NATIONAL FLOOD INSURANCE PROGRAM


TRANSACTION RECORD REPORTING AND PROCESSING (TRRP) PLAN
for the
WRITE YOUR OWN (WYO) PROGRAM


Revision 1.......................January 1, 1992 
Revision 2.........................March 1, 1995 
Revision 3.......................October 1, 1997 
Revision 4.......................October 1, 2001 
Changes 1 & 2......................May 1, 2002 
Change 3......................October 1, 2002 
Change 4..........................May 1, 2003 
Change 5......................October 1, 2003 
Change 6..........................May 1, 2004 
Change 6.1...................February 1, 2005 
Change 7..........................May 1, 2005 
Change 7 (Revised)................May 1, 2005 
Change 8......................October 1, 2005 
Change 8.1....................October 1, 2005 
Change 9..........................May 1, 2006 
Change 10.........................May 1, 2008 
Change 11.........................May 1, 2008 
Change 12.........................May 1, 2008 



PART 1 - INSTRUCTIONS 
TABLE OF CONTENTS 
Page 
INTRODUCTION................................................ 1-1 

I. SCOPE OF THE PLAN..................................... 1-1 


A. Background Information............................ 1-1 


B. Purposes of the Plan.............................. 1-1 


C. Recording of Data................................. 1-2 


D. Data Record Keys - WYO Prefix Code, PolicyNumbers, and Claim Numbers........................ 1-2 

E. Special Data Requirements......................... 1-2 


1. Insured Property Address...................... 1-2 


2. Insured Mailing Address....................... 1-2 


3. Identification of Policyholder................ 1-3 


4. Special Loss Information...................... 1-3 


F. Reporting Transactions............................ 1-3 


G. Data Quality and Financial Reconciliation......... 1-3 


II. GENERAL INFORMATION................................... 1-4 


A. Coverages......................................... 1-4 


B. Premiums.......................................... 1-4 


C. Minimum Premium................................... 1-4 


D. Expense Constant.................................. 1-5 


E. Amounts of Insurance.............................. 1-5 


F. Policy Term....................................... 1-5 


G. Catastrophe Losses................................ 1-5 


H. Deductible Amount................................. 1-5 


I. Geographical Division: Community Number, FloodRisk Zone......................................... 1-5 

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Change 8 Effective 10/1/05 



PART 1 - INSTRUCTIONS 
Table of Contents (Contd.) 


Page

 J. Classification.................................... 1-5 


1. Building Occupancy............................ 1-6 


2. Building Type................................. 1-6 


3. Basement/Enclosure/Crawlspace Type............ 1-6 


4. Special Ownership Type........................ 1-6 


5. Special Building Status Type.................. 1-6 


6. Obstruction Type.............................. 1-6 


7. Lowest Floor Elevation Relative to the Base 
Flood Elevation or Base Flood Depth........... 1-7 

8. Special Certifications........................ 1-7 


9. Program Status................................ 1-7 


K. Effective Dates and Expiration Dates.............. 1-7 


L. Changes in Policies by Endorsement................ 1-8 


M. Adjustments....................................... 1-8 


N. Accounting Date (WYO Transaction Date)............ 1-8 


III. SPECIAL DEFINITIONS................................... 1-8 


A. Number of Claims.................................. 1-8 


B. Losses............................................ 1-9 


C. Allocated Loss Adjustment Expenses................ 1-9 


D. Unallocated Loss Adjustment Expenses............. 1-10 


E. Deductible Amounts............................... 1-10 


F. Amounts of Insurance............................. 1-11 


G. Policies-In-Force Statistics..................... 1-11


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 D. Expense Constant 
The Expense Constant in effect as of the effective dateof the policy term is to be included in the writtenpremium on a per policy basis. Effective May 1, 2003,
the Expense Constant will be zero dollars. 

E. Amounts of Insurance 
Total amounts of insurance must be reported for each ofthe three coverages separately (building, contents, andICC). The basic limits and additional limits for 
building and contents, and the ICC coverage limit, willbe determined and recorded separately by the NFIP/WYOSystem. 

F. Policy Term 
WYO companies may offer a 1-year policy term. The 
policy term is to be recorded on a per-policy basisaccording to the policy effective date. No mid-term 
endorsement of the policy can change the policy term. 

G. Catastrophe Losses 
Under the NFIP, there are at present two catastrophedesignations. These are: 

1. FICO designation 
2. FEMA Disaster Declaration 
Each loss shall be identified by the proper catastrophedesignation, when applicable, in addition to otherrecording requirements. WYO companies will report onlythe FICO designation that is provided to them. 

H. Deductible Amount 
Each policy must be identified by the appropriatedeductible amount applicable to the insurance policy. 

I. Geographical Division: Community Number, Flood RiskZone 
The appropriate coding shall be recorded on all policytransactions. Information regarding a community'sstatus in the NFIP and valid flood risk zones is 
provided to WYO companies. 

J. Classification 
The appropriate classification data shall be recordedon all policy transactions. The classification data 
are to be reported unless the data element is 


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Change 4 Effective 10/1/03 



designated as optional (N) or is not listed in Part 3,
Section A, of this Plan. The classification criteria 
under the NFIP are: 

1. Building Occupancy 
a. Single family 
b. 2-4 family 
c. Other residential 
d. Nonresidential 
2. Building Type 
a. One floor 
b. Two floors 
c. Three or more floors 
d. Split level 
e. Manufactured (mobile) home or travel trailer onfoundation 
f. Townhouse/Rowhouse with three or more floors(RCBAP Low-rise only) 
3. Basement/Enclosure/Crawlspace Type 
a. Finished 
b. Unfinished 
c. None 
4. Special Ownership Type 
a. Condominiums - unit or association 
b. State government 
5. Special Building Status Type 
a. Building in course of construction
b. Principal residence 
6. Obstruction Type (combinations are possible) 
a. Free of obstruction underneath elevated lowest 
floor 
b. With obstruction: less than 300 sq. ft. withbreakaway walls underneath the lowest elevatedfloor 
c. With obstruction: 300 sq. ft. or more withbreakaway walls underneath the lowest elevatedfloor 
d. With obstruction: machinery or equipmentattached to the building and located underneaththe lowest elevated floor 
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 e. Nonbreakaway walls 
f. With obstruction underneath lowest elevated 
floor 
g. With obstruction: enclosure/crawlspace withproper openings not used in rating (notapplicable in V zones) 
h. With certification subgrade crawlspace(applicable to zones AE, A01-A30, unnumberedA, AO, AH, AOB, AHB) 
i. Without certification subgrade crawlspace(applicable to all zones) 
7. Lowest Floor Elevation Relative to the Base Flood 
Elevation or Base Flood Depth 
This information is recorded as: 

a. Lowest Floor Elevation (LFE)
b. Base Flood Elevation (BFE)
c. Lowest Adjacent Grade (LAG)
d. LFE Elevation Difference to BFE or BFD 
8. Special Certifications 
a. Floodproofing certification 
b. Elevation certification - FEMA form or 
equivalent documentation 
c. Other elevation certificates 
d. V-Zone Risk Factor Rating Form - FEMA 81-25 
e. Unnumbered V Zone Certification to standards of 
CFR 44, Sec. 60.3(e) (4) 
f. Coastal Barrier Resources Act (CBRA) 
9. Program Status 
a. Emergency Program  Post-September 30, 1982,
Construction 
b. Emergency Program - All other 
c. Pre-FIRM Regular Program 
d. V-Zone 1975-81 Post-FIRM Regular Program 
e. V-Zone 1981 Post-FIRM Regular Program 
f. Other Post-FIRM Regular Program 
K. Effective Dates and Expiration Dates 
On premium entries for new business and renewals, thepolicy effective and expiration dates shall berecorded. 

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On endorsements changing premiums, amounts ofinsurance, previously recorded policy classification,
and/or geographical division information, the policyeffective date, policy expiration date, and effectivedate of change must be reported. 

L. Changes in Policies by Endorsement 
Changes to the policy records can be made byendorsement. Each endorsement must bear the effective 
date of the policy and the effective date of thechange, as well as the transaction date to facilitatethe assignment of exposure, amount of insurance,
premium and loss to the proper classification, riskzone, community, and program type in the NFIP ActuarialInformation System. This level of detail allows for 
reconciliation with WYO company financial reports forfinancial control purposes. 

M. Adjustments 
Adjustment of errors in the original entries reportedare to be made by the use of the appropriate correctiontransaction or in some cases by the use of a differenttransaction type. 

The NFIP/WYO System requires that all adjustments tothe policy and claims record be reconciled. Specialcare must be given to ensure changes to classification,
geographical division, premiums, amount of insurance,
and all claims-related data elements are processedcorrectly as they have a direct bearing on theinformation used to maintain financial control of the 
WYO Program. 

N. Accounting Date (WYO Transaction Date) 
The date on which a policy, loss, or loss adjustmentrelated transaction was recorded on the books of the 
insurer shall be recorded to facilitate the updating ofexperience compilations. 

III.SPECIAL DEFINITIONS 
A. Number of Claims 
In the NFIP, cases, claims, and closed without paymentsare counted by coverage. The number of losses arecounted by policy. Thus, up to three cases, claims, orclosed without payments (one for each of the building,
contents, and ICC coverages) may be associated with onepolicyholder loss. Each loss under a policy isidentified in this Plan by a date of loss. 

Part 1 1-8 Revision 4 (10/1/01) 
Effective 10/1/03 



PART 3 - REPORTING REQUIREMENTS 

INTRODUCTION 

This section lists the data elements to be recorded and 
reported by WYO insurers. The list identifies the data 
element and the primary source and indicates whether thereporting is required (Y) or optional (N). 

Additionally, samples of the following NFIP application and claimforms are included to show the sources of the data elements: 

 Flood Insurance Application
 Flood Insurance Preferred Risk Policy Application
 Preliminary Report
 Final Report
 Cause of Loss and Subrogation Report
 Narrative Report 
WYO Companies are authorized to develop their own application andclaim forms as long as the required data elements are reported. 

Part 3 3-1 Revision 4 (10/1/01) 
Effective 10/1/03 



I. DATA ELEMENT REQUIREMENTS FOR WRITE YOUR OWN
DATA 

DICTIONARY 
DATA ELEMENT REQ. PAGE SOURCE 

POLICY TRANSACTIONS
Additional Building Rate Y 4-4 Application, 4L 
WYO 


Additional Contents Rate Y 4-5 Application, 4N 
WYO 


Base Flood Elevation Y 4-7 Application, 3G 
Basement/Enclosure/ Y 4-8 Application, 2G 
Crawlspace Type


Basic Building Rate WYO Y 4-9 Application, 4K 
Basic Contents Rate WYO Y 4-10 Application, 4M 
Building in Course of Y 4-14 Application, 2N 


Construction Indicator 

Cancellation/Voidance Y 4-15 
Reason 
Case File Number for Y 4-44A Application, 1J 


Disaster Assistance 

Community Identification Y 4-55 Application, 2A 
Number 
Condominium Indicator Y 4-56 Application, 2J, 2KCondominium Master Y 4-60 Application, 2E 

Policy Units

Coverage Required for Y 4-64 Application, 1J 
Disaster Assistance 
CRS Classification Y 4-65 Application, 4H 


Credit Percentage
Deductible-Building Y 4-76 Application, 2P 
Deductible-Contents Y 4-78 Application, 2Q 
Deductible Percentage Y 4-80 Application


WYO 
*Diagram Number N 4-81 Application, 3D; 
Elevation Certificate

 Elevated Building Y 4-84 Application, 2R 
Indicator 
Elevation Certificate Y 4-85 


Indicator 
*Elevation Certification Y 4-87 Application;
Date Elevation Certificate 
*Refer to Part 3  Reporting Requirements, III. Reporting Requirementsfor New/Rollover Indicator, to determine if the Diagram Number and/orthe Elevation Certification Date are required based on reportedNew/Rollover Indicator. 

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PART 4 - DATA DICTIONARY 

TABLE OF CONTENTS 

Page 

INTRODUCTION................................................4-1 


Actual Salvage Recovery.....................................4-2
Actual Salvage Recovery Date................................4-3
Additional Building Rate WYO................................4-4
Additional Contents Rate WYO................................4-5 
Alteration Date.............................................4-6 
Base Flood Elevation........................................4-7 
Basement/Enclosure/Crawlspace Type..........................4-8
Basic Building Rate WYO.....................................4-9
Basic Contents Rate WYO.....................................4-10 
Building Claim Payment (ACV or RCV as applicable)...........4-11
Building Claim Payment Recovery.............................4-12
Building Damage Subject to Policy Exclusions (ACV)..........4-13
Building in Course of Construction Indicator................4-14
Cancellation/Voidance Reason................................4-15
Case File Number for Disaster Assistance....................4-44A 
Catastrophe Number..........................................4-45
Cause of Loss...............................................4-46 
Claim/Loss Closed Date......................................4-49
Claim/Loss Reopen Date......................................4-50
Claim Closed Without Payment Reason - Building..............4-51
Claim Closed Without Payment Reason - Contents..............4-52
Claim Closed Without Payment Reason - ICC...................4-53
Coinsurance Claim Settlement Indicator......................4-54 
Community Identification Number.............................4-55
Condominium Indicator.......................................4-56 
Condominium Master Policy Units.............................4-60
Contents Claim Payment (ACV)................................4-61
Contents Claim Payment Recovery.............................4-62
Contents Damage Subject to Policy Exclusions (ACV)..........4-63
Coverage Required for Disaster Assistance...................4-64
CRS Classification Credit Percentage........................4-65
Damage - Appurtenant (ACV)..................................4-67
Damage - Main (ACV).........................................4-68
Damage to Contents - Appurtenant (ACV)......................4-69
Damage to Contents - Main (ACV).............................4-70
Date of Loss................................................4-71 
Deductible - Applicable to Building Claim Payment...........4-72
Deductible - Applicable to Contents Claim Payment...........4-74
Deductible - Building.......................................4-76
Deductible - Contents.......................................4-78 
Deductible Percentage WYO...................................4-80
Diagram Number..............................................4-81
Duration Building Will Not Be Habitable.....................4-82
Duration of Flood Waters in the Building....................4-83
Elevated Building Indicator.................................4-84
Elevation Certificate Indicator.............................4-85 
Elevation Certification Date................................4-87


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PART 4  DATA DICTIONARY 
Table of Contents (Contd.) 

Page 

Elevation Difference........................................4-88 
Endorsement Effective Date..................................4-89 
Endorsement Premium Amount..................................4-90 
Expense Constant............................................4-91
Expense of Contents Removal.................................4-92
Expense of Manufactured (Mobile) Home Removal...............4-93
Exterior Wall Structure Type................................4-94
Exterior Wall Surface Treatment.............................4-95 
Factors Related to Cause of Loss............................4-96 
Federal Policy Fee..........................................4-97
Federal Policy Fee - Refunded...............................4-98
Final Payment Indicator - Building..........................4-99
Final Payment Indicator - Contents..........................4-100
Final Payment Indicator - ICC...............................4-101
First Lender City...........................................4-102
First Lender Loan Number....................................4-103 
First Lender Name...........................................4-104 
First Lender State..........................................4-105 
First Lender Street Address.................................4-106 
First Lender ZIP Code.......................................4-107 
Flood Characteristics.......................................4-108 
Flood Risk Zone.............................................4-110 
Floodproofed Indicator......................................4-112
Foundation Type.............................................4-113
ICC Actual Expense..........................................4-116
ICC Claim Indicator.........................................4-117 
ICC Claim Payment...........................................4-118
ICC Claim Payment Recovery..................................4-119
ICC Flood Damage Amount - Prior.............................4-120
ICC Mitigation Indicator....................................4-121
ICC Premium WYO.............................................4-122 
ICC Prior Date of Loss......................................4-123 
ICC Property Value - Current................................4-124
ICC Property Value - Prior..................................4-125
Insurance to Value Ratio Indicator..........................4-126 
Insured First Name..........................................4-127 
Insured Last Name...........................................4-128 
Location of Contents Indicator..............................4-129 
Lowest Adjacent Grade.......................................4-130
Lowest Floor Elevation......................................4-131 
Mailing City................................................4-131A
Mailing State...............................................4-131B
Mailing Street Address......................................4-131C
Mailing ZIP Code............................................4-131D
Map Panel Number............................................4-132
Map Panel Suffix............................................4-133
Name Format Indicator.......................................4-134 
Name or Descriptive Information Indicator...................4-135
New Date of Loss............................................4-136 


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DATA ELEMENT: Base Flood Elevation 

ALIAS: BFE, 100 Year Flood Elevation, 1% Chance of Flooding 

ACRONYM: Direct (CMF) Base-Fld-Elev-FtDirect (PMF) Base-Flood-Elevation (PMF)
WYO (PMF) BASE-FLOOD 

FILE: Policy Master (PMF)
Claims Master (CMF)
Elevation Certificate Master (ECMF) 
Actuarial (APOL) 

DESCRIPTION: 

Base Flood Elevation (BFE) is the elevation (or depth in zone AO)
at which there is a 1% chance per year of flooding as shown oneffective FIRM in tenths of feet. Value of 9999.0 indicates the 
field is not reported and/or used for this policy. 

Floodproofed Policies: 

For floodproofed policies effective on or after May 1, 2005, theactual value for the LFE, BFE, and elevation difference should bereported. The lowest floor elevation must be at least one footabove the BFE in order to use the floodproofing certificate. 

EDIT CRITERIA: Numeric - may be positive or negative 

LENGTH: 6 with an implied decimal of one position 

DEPENDENCIES: Information is obtained from the Flood Insurance 
application and the Elevation Certificate. 

SYSTEM FUNCTION: Used in computing the elevation differencebetween lowest floor and BFE. 

REPORTING REQUIREMENT: Required on policies with an originalnew business date on or after October 1,1997, and the policy effective date onor after May 1, 2006. Unnumbered A 
Zone policies, Group Flood policies,
provisionally rated policies, andtentatively rated policies are excludedfrom reporting the BFE. 

NOTE: For policies effective prior to May 1, 2006, it is stilladvisable to continue reporting the BFE and LFE (other than9999.0), if available, in order to calculate the correctelevation difference. 

Part 4 4-7 Revision 4 (10/1/01) 
Change 11 Effective 5/1/08 



DATA ELEMENT: Basement/Enclosure/Crawlspace Type 

ALIAS: None 

ACRONYM: WYO (PMF) BASEMENT 

FILE: Policy Master (PMF)
Claims Master (CMF)
Recertification Master (RCMF) 
Actuarial (APOL) 

DESCRIPTION: 

Code indicating the type of basement/enclosure/crawlspace in theinsured building. Basement is defined for purposes of the NFIP asany level or story which has its floor subgrade on all sides. An 
enclosure is that portion of an elevated building below the lowestelevated floor that is either partially or fully shut in by rigidwalls. Crawlspace foundations are commonly used to elevatebuildings located in Special Flood Hazard Areas (SHFAs) at orabove the Base Flood Elevation (BFE).

Finished (Habitable) Area: A finished area is a basement or 
other enclosed area having more than 20 linear feet of finishedwalls (paneling, etc.) or equipped for use as kitchen, diningroom, living room, family or recreational room, bedroom, office,
professional or private school, studio occupancies, workshop, orother such uses. Coverage restrictions may apply.

Unfinished Area: An unfinished area is a basement or other 
enclosed area used for parking vehicles and/or storage purposesonly and does not meet the definition of a finished area. Drywallused for fire protection is permitted.

Enclosure: To define an enclosure, the following data elements

must be present: 
-Basement/Enclosure/Crawlspace Type is 1 or 2
-Elevated Building Indicator is Y

-Obstruction Type is 20, 24, 30, 34, 50, 54, or60 

Crawlspace: To define a subgrade crawlspace, the following data

elements must be present:
-Basement/Enclosure/Crawlspace Type is 2
-Elevated Building Indicator is N

-Obstruction Type is 70 or 80

EDIT CRITERIA: Number, Alphanumeric, Acceptable Values: 

0 - None 
1 - Finished 
2 - Unfinished 


LENGTH: 1 

DEPENDENCIES: Basement-Type in Policy Master and Claims Mastershould be the same. Information is obtained from the Flood Insurance Application.

SYSTEM FUNCTION: Rating Element

REPORTING REQUIREMENT: Required 

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Change 12 Effective 5/1/08 



DATA ELEMENT: Case File Number for Disaster Assistance 

ALIAS: FEMA Registration Number, Disaster Assistance Number,
Personal Access Account Number 

ACRONYM: WYO (PMF) DIS-ASST-CASE-NUM 

FILE: Policy Master (PMF) 

DESCRIPTION: 

The case file number assigned to a disaster aid recipient. 

EDIT CRITERIA: Alphanumeric 

LENGTH: 9 

DEPENDENCIES: Information is obtained from the Flood Insurance 
Application. 

SYSTEM FUNCTION: Prevention of duplication of benefits during

federally declared disasters and prevention of

duplicate flood insurance policies and claims

payments. 

REPORTING REQUIREMENT:

This data element is required for policies effective on or afterMay 1, 2008, and designated as receiving disaster assistance(Data Element Coverage Required for Disaster Assistance
reported with value 1, 2, 3, 4, or 5). 

Note: 

If the Case File Number contains more than 9 characters, reportthe first 9 characters, eliminating any embedded specialcharacters such as dashes, slashes, spaces, etc. 

If the Case File Number contains less than 9 characters, reportthe entire number followed by trailing spaces. 

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This page is intentionally left blank. 

Part 4 4-44B Revision 4 (10/1/01)
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DATA ELEMENT: Community Identification Number 

ALIAS: Community ID Number, Community Number 

ACRONYM: CID 
ID Number 
Direct (PMF) State-ID and Community-IDDirect (CMF) State-ID Code and Community-IDDirect (COMF) CM-State-ID and CM-Community-IDWYO (PMF) A-Community Community 

FILE: Policy Master (PMF)
Claims Master (CMF)
Community Master (COMF) 
Actuarial (APOL) 

DESCRIPTION: 

The Community ID Number is a 6-digit number that uniquelyidentifies each community participating or potentiallyparticipating in the NFIP. The first two digits of the ID Numberare the standard state numeric identifier. The four digitsmaking up the remainder of the ID number are randomly assigned.
The ID number is maintained in NFIP files, but the state numericidentifier is a separate data element from the rest of the IDnumber. 

EDIT CRITERIA: Numeric, must be 6 digits 

LENGTH: 6 

DEPENDENCIES: Information is obtained from the Flood Insurance 
Application. 

SYSTEM FUNCTION: Key to risk zone data used to rate policies 

REPORTING REQUIREMENT: Required 

Part 4 4-55 Revision 4 (10/1/01) 
Effective 1/17/84 



DATA ELEMENT: Condominium Indicator 

ALIAS: None 

ACRONYM: WYO (PMF) CONDO 

FILE: Policy Master (PMF)
Recertification Master (RCMF) 
Actuarial (APOL) 

DESCRIPTION: 

This is an indicator of what property is being insured. 

The property may be: 

1. Not a condominium (N). 
2. An individual condominium unit owned by a unit owner, orby a condominium association (U). 
3. The entire condominium building owned by the associationinsuring building common elements as well as buildingelements (additions and alterations) within all units inthe building, not eligible under Condominium MasterPolicy (A). 
4. The entire residential condominium building owned by theassociation eligible under Condominium Master Policy,
insuring the entire condominium building common elementsas well as building elements (additions and alterations)
within all units in the building, (H) for High-Rise or
(L) for Low-Rise. 
Note: Effective May 1, 2008, condominium indicator T
(Townhouse/Rowhouse condominium unit) will not be used forPreferred Risk Policies (PRPs). PRPs will be reported withcondominium indicator value N, U, or A. Condominium 
indicator U will designate the property as a condominiumunit or townhouse/rowhouse condominium unit for PRPs.
Residential condominium associations eligible under theResidential Condominium Building Association Policy (RCBAP,
condominium indicator H or L) are not eligible for thePRP. 

Residential Condominiums 

Residential condominiums are basically four types: 

1. A single-family detached building - The condominiumassociation may insure the building under CondominiumMaster Policy using the low-rise limits of coverage andrates. The RCBAP is used. 
2. Townhouse/Rowhouse type with a separate entrance foreach unit - The individual unit and its contents may beseparately insured under the Dwelling Form. These are 
designated as single-family occupancy, single-unitdwellings, and are rated as single-family based on thelowest floor elevation of the unit. 
Part 4 4-56 Revision 4 (10/1/01)
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DATA ELEMENT: CRS Classification Credit Percentage 

ALIAS: CRS Credit 

ACRONYM: Direct (PMF) CRS-DISCOUNT-PCTWYO (PMF) CRS_CLASS 

FILE: Community Master File (COMF)

Policy Master File (PMF)

Community Rating System Table (COMR) 

DESCRIPTION: 

The Community Rating System (CRS) Classification CreditPercentage that is used to rate the policy. 

The insurance premium credit is based on whether a property is inor out of the Special Flood Hazard Area (SFHA), i.e., the A and Vzones as shown on the community's Flood Insurance Rate Map. The 
premium credit for properties in the SFHA increases according toa community's CRS class. The credit for properties outside ofthe SFHA is 10 percent for Class 1-6 communities and 5 percentfor Class 7-9 communities because premiums in these areas arealready relatively low and can be lowered further through thePreferred Risk Policy. Also, most of the activities undertakento qualify for those classes are implemented only in thefloodplain. 

The CRS classifications and flood insurance premium credits areshown below: 

SFHA Non-SFHA 
Classes Credit* Credit 
1 45% ** 10% ** 
2 40% ** 10% ** 
3 35% ** 10% ** 
4 30% ** 10% ** 
5 25% ** 10% ** 
6 20% ** 10% ** 
7 15% ** 5% ** 
8 10% ** 5% ** 
9 5% 5% 
10 0% 0% 

*For the purpose of determining CRS Premium Discounts, all AR andA99 zones are treated as non-SFHAs. 

**These percentages are subject to change. Always refer to theFlood Insurance Manual for the latest information. 

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DATA ELEMENT: CRS Classification Credit Percentage (Cont'd.) 

DESCRIPTION: (Contd.) 

NOTE: 

The CRS credits will not apply to the following categories andthe CRS Classification Credit Percentage should be reported aszero. 

 Preferred Risk Policies 
 Mortgage Portfolio Protection Program (MPPP) Policies 
 Group Flood Policies 
 Post-FIRM non-elevated building policies issued or renewedeffective on or after May 1, 2008, where the Lowest FloorElevation (LFE) used for rating is 1 foot or more below theBase Flood Elevation (BFE), mapped in A zones (AE, A01-A30,
unnumbered A, AO, AH) or V zones (VE, V01-V30), reportedwith a blank obstruction type. 
 Post-FIRM elevation-rated policies issued or renewedeffective on or after May 1, 2008, where the LFE used forrating is 1 foot or more below the BFE, mapped in zones AE,
A01-A30, unnumbered A, AO, or AH and reported withobstruction types 10, 15, 20, 24, 30, 34, 40, 50, 54, 60, or80 (obstruction type 80 is Without Certification subgradecrawlspace). Refer to TRRP Data Element Obstruction Typefor additional information on subgrade crawlspace. 
 Post-FIRM elevation-rated policies issued or renewedeffective on or after May 1, 2008, where the LFE used forrating is 1 foot or more below the BFE, mapped in zones VEor V01-V30, and reported with obstruction types 10, 20, 24,34, 40, 50, 54, 60, or 80). Obstruction types 15 and 70 arenot applicable for V zones in this category. Refer to TRRP 
Data Element Obstruction Type for additional informationon subgrade crawlspace. 
For policies issued or renewed effective on or after May 1, 2008,
the CRS Classification Credit Percentage is allowed for the 
following categories: 

 Post-FIRM non-elevated building policies effective on orafter May 1, 2008, with elevation difference equal to orgreater than zero, mapped in A zones (AE, A01-A30,
unnumbered A, AOB, AHB) or V zones (VE, V01-V30), reportedwith a blank obstruction type. 
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DATA ELEMENT: CRS Classification Credit Percentage (Cont'd.) 

DESCRIPTION: (Contd.) 

 Post-FIRM elevation-rated policies, regardless of elevationdifference, mapped in A zones (AE, A01-A30, unnumbered A,
AO, AH), reported with obstruction type 70 (WithCertification subgrade crawlspace). Note: The insured must 
provide a letter from a community official certifying thatthe subgrade crawlspace was built in compliance with theNFIP requirements for crawlspace construction, as outlinedin FEMA Technical Bulletin 11-01. Also refer to TRRP Data 
Element Obstruction Type for additional information onsubgrade crawlspace. 
 Post-FIRM elevated building policies, regardless of
elevation difference, mapped in V zones (VE, V01-V30),
reported with obstruction type 30. 
 Post-FIRM elevation-rated policies with elevation differenceequal to or greater than zero, mapped in A zones (AE, A01A30, unnumbered A, AOB, AHB) or V zones (VE, V01-V30),
reported with any valid obstruction type. 
 Pre-FIRM policies (with and without elevation) mapped in Azones (AE, A01-A30, unnumbered A, AO, AH) or V zones (VE,
V01-V30, unnumbered V), reported with any valid obstructiontype. 
 Post-FIRM non-elevated building policies, not elevation
rated in AO or unnumbered A zones. 
 Pre-FIRM and Post-FIRM policies (with and without elevation)
mapped in B, C, D, X, A99, AR/AR dual zones, reported withany valid obstruction type. 
NOTE: 

Since Obstruction type 60 is a default value for unknown, WYOcompanies are encouraged to verify the reported obstruction typefor insured properties. Obstruction type 60 should be usedcarefully as this will impact the CRS credit percentage. 

Effective May 1, 2008, please refer to the CRS Matrices on the 
following pages in determining CRS eligibility/ineligibility. 

EDIT CRITERIA: Numeric, see preceding table of credits foracceptable values. 

LENGTH: 2 

DEPENDENCIES: Information is obtained from the Flood Insurance 
Application and the NFIP Flood Insurance Manual. 

SYSTEM FUNCTION: Premium Computation 

REPORTING REQUIREMENT: Required 

Part 4 4-66A Revision 4 (10/1/01)
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DATA ELEMENT: CRS Classification Credit Percentage (Cont'd.) 

CRS REPORTING REQUIREMENTS  Effective May 1, 2008: 

A. Introduction 
Effective May 1, 2008, flood insurance policies formost buildings that are rated as having the lowestfloor 1 foot or more below the Base Flood Elevation 
(BFE) will no longer be eligible for the communitysCRS discount. 

The following CRS Matrices are provided to assist WYOcompanies in quickly and accurately determining anaffected buildings eligibility or ineligibility forthe CRS discount on the basis of the buildingsreported elevation difference, obstruction type, andflood risk zone. 

B. CRS Matrices 
Post-FIRM AE, A01-A30 Zones 


ELEVATION DIFFERENCE 
No Elevation Below the 

Zero or 

(+999)BFE 

above the 

Tentative or (-) 

BFE (+) 

Provisional Rates Only

OBSTRUCTION 
TYPE
Blank (Non-
elevated 


NO 

YES 

YES buildings only)
10 

NO 

YES 

YES 
15 

NO 

YES 

YES 

20 

NO 

YES 

YES 

24 

NO 

YES 

YES 

30 

NO 

YES 

YES 

34 

NO 

YES 

YES 

40 

NO 

YES 

YES 

50 

NO 

YES 

YES 

54 

NO 

YES 

YES 

60 

NO 

YES 

YES 

70 

YES 

YES 

YES 

80 

NO 

YES 

YES 

Notes: 

NO = CRS discount is not allowed (report CRS discount as zero)YES = CRS discount is allowed 

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DATA ELEMENT: CRS Classification Credit Percentage (Cont'd.) 
CRS REPORTING REQUIREMENTS  Effective May 1, 2008: (Contd)


Post-FIRM Unnumbered A Zones 

OBSTRUCTION 
TYPE 
Blank (Non-
elevated 
buildings only) 
ELEVATION DIFFERENCE 
Below the 
Estimated 
BFE or LFE 
below HAG 
(-) 
NO 
Zero or 
above the 
Est. BFE 
or above 
HAG (+) 
YES 
No 
Elevation 
(+999) 
YES 
10 NO YES YES 
15 NO YES YES 
20 NO YES YES 
24 NO YES YES 
30 NO YES YES 
34 NO YES YES 
40 NO YES YES 
50 NO YES YES 
54 NO YES YES 
60 NO YES YES 
70 YES YES YES 
80 NO YES YES 

Notes: 

NO = CRS discount is not allowed (report CRS discount as zero)YES = CRS discount is allowed 

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DATA ELEMENT: CRS Classification Credit Percentage (Cont'd.) 
CRS REPORTING REQUIREMENTS  Effective May 1, 2008: (Contd)


Post-FIRM AO, AH Zones 

OBSTRUCTION 
TYPE 
Blank (Non-
elevated 
buildings only) 
ELEVATION DIFFERENCE 
Below the 
BFE or Base 
Flood Depth(-) 
NO 
Zero or 
above the 
BFE or 
Base 
Flood 
Depth(+) 
YES 
No Elevation 
or Rated 
UsingTentative or 
Provisional 
Rates(+999) 
YES 
10 NO YES YES 
15 NO YES YES 
20 NO YES YES 
24 NO YES YES 
30 NO YES YES 
34 NO YES YES 
40 NO YES YES 
50 NO YES YES 
54 NO YES YES 
60 NO YES YES 
70 YES YES YES 
80 NO YES YES 

Notes: 

NO = CRS discount is not allowed (report CRS discount as zero)YES = CRS discount is allowed 

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Notes: 

NO = CRS discount is not allowed (report CRS discount as zero)YES = CRS discount is allowed 


Part 4 4-66E Revision 4 (10/1/01)
Change 12 Effective 5/1/08 


DATA ELEMENT: CRS Classification Credit Percentage (Cont'd.) 
CRS REPORTING REQUIREMENTS  Effective May 1, 2008: (Contd.) 


Post-FIRM AOB, AHB Zones 

OBSTRUCTION 
TYPE 
Blank (Non-
elevated 
buildings only) 
ELEVATION DIFFERENCE 
Below the 
BFE or Base 
Flood Depth(-) 
N/A 
Zero or 
above the 
BFE or 
Base 
Flood 
Depth (+) 
YES 
No 
Elevation 
(+999)
(AOB only) 
YES 
10 N/A YES YES 
15 N/A YES YES 
20 N/A YES YES 
24 N/A YES YES 
30 N/A YES YES 
34 N/A YES YES 
40 N/A YES YES 
50 N/A YES YES 
54 N/A YES YES 
60 N/A YES YES 
70 YES YES YES 
80 N/A YES YES 


DATA ELEMENT: CRS Classification Credit Percentage (Cont'd.) 
CRS REPORTING REQUIREMENTS  Effective May 1, 2008: (Contd.)


Post-FIRM VE, V01-V30, Unnumbered V Zones 


OBSTRUCTION 
TYPE 
Blank (Non-
elevated 
buildings only) 
ELEVATION DIFFERENCE 
Below the 
BFE 
(-) 
NO 
Zero or 
above the 
BFE (+) 
YES 
No Elevation 
Unnumbered V 
Zone or 
Rated UsingTentative or 
Provisional 
Rates(+999) 
YES 
10 NO YES YES 
15 N/A N/A N/A 
20 NO YES YES 
24 NO YES YES 
30 YES YES YES 
34 NO YES YES 
40 NO YES YES 
50 NO YES YES 
54 NO YES YES 
60 NO YES YES 
70 N/A N/A N/A 
80 NO YES YES 

Notes: 

NO = CRS discount is not allowed (report CRS discount as zero)YES = CRS discount is allowed 

Obstruction Types 15 and 70 are not applicable to zones VE, 
V01-V30, and unnumbered V.


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DATA ELEMENT: CRS Classification Credit Percentage (Cont'd.) 
CRS REPORTING REQUIREMENTS  Effective May 1, 2008: (Contd.)


Pre-FIRM AE, A01-A30, Unnumbered A Zones 

Notes: 

NO = CRS discount is not allowed (report CRS discount as zero)YES = CRS discount is allowed 


Part 4 4-66G Revision 4 (10/1/01)
Change 12 Effective 5/1/08 


OBSTRUCTION 
TYPE 
Blank (Non-
elevated 
buildings only) 
ELEVATION DIFFERENCE 
Below the 
BFE or 
Estimated 
BFE or LFE 
below HAG 
(-) 
YES 
Zero or 
above the 
BFE or 
Est. BFE 
or LFE 
Above 
HAG(+) 
YES 
No 
Elevation 
(+999) 
YES 
10 YES YES YES 
15 YES YES YES 
20 YES YES YES 
24 YES YES YES 
30 YES YES YES 
34 YES YES YES 
40 YES YES YES 
50 YES YES YES 
54 YES YES YES 
60 YES YES YES 
70 YES YES YES 
80 YES YES YES 


DATA ELEMENT: CRS Classification Credit Percentage (Cont'd.) 
CRS REPORTING REQUIREMENTS  Effective May 1, 2008: (Contd.)


Pre-FIRM AO, AH Zones 


OBSTRUCTION 
TYPE 
Blank (Non-
elevated 
buildings only) 
ELEVATION DIFFERENCE 
Below the 
BFE or Base 
Flood Depth(-) 
YES 
Zero or 
above the 
BFE or 
Base 
Flood 
Depth(+) 
YES 
No 
Elevation 
(+999) 
YES 
10 YES YES YES 
15 YES YES YES 
20 YES YES YES 
24 YES YES YES 
30 YES YES YES 
34 YES YES YES 
40 YES YES YES 
50 YES YES YES 
54 YES YES YES 
60 YES YES YES 
70 YES YES YES 
80 YES YES YES 

Notes: 

NO = CRS discount is not allowed (report CRS discount as zero)YES = CRS discount is allowed 

Part 4 4-66H Revision 4 (10/1/01)
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DATA ELEMENT: CRS Classification Credit Percentage (Cont'd.) 
CRS REPORTING REQUIREMENTS  Effective May 1, 2008: (Contd.)


Pre-FIRM AOB, AHB Zones 


OBSTRUCTION 
TYPE 
Blank (Non-
elevated 
buildings only) 
ELEVATION DIFFERENCE 
Below the 
BFE or Base 
Flood Depth(-) 
YES 
Zero or 
above the 
BFE or 
Base 
Flood 
Depth (+) 
YES 
No 
Elevation 
(+999)
AOB only 
YES 
10 YES YES YES 
15 YES YES YES 
20 YES YES YES 
24 YES YES YES 
30 YES YES YES 
34 YES YES YES 
40 YES YES YES 
50 YES YES YES 
54 YES YES YES 
60 YES YES YES 
70 YES YES YES 
80 YES YES YES 

Notes: 

NO = CRS discount is not allowed (report CRS discount as zero)YES = CRS discount is allowed 

Part 4 4-66I Revision 4 (10/1/01)
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DATA ELEMENT: CRS Classification Credit Percentage (Cont'd.) 
CRS REPORTING REQUIREMENTS  Effective May 1, 2008: (Contd.)


Pre-FIRM VE, V01-V30, Unnumbered V Zones 


OBSTRUCTION 
TYPE 
Blank (Non-
elevated 
buildings only) 
ELEVATION DIFFERENCE 
Below the 
BFE 
(-) 
YES 
Zero or 
above the 
BFE (+) 
YES 
No 
Elevation 
(+999) 
YES 
10 YES YES YES 
15 N/A N/A N/A 
20 YES YES YES 
24 YES YES YES 
30 YES YES YES 
34 YES YES YES 
40 YES YES YES 
50 YES YES YES 
54 YES YES YES 
60 YES YES YES 
70 N/A N/A N/A 
80 YES YES YES 

Notes: 

NO = CRS discount is not allowed (report CRS discount as zero)YES = CRS discount is allowed 

Obstruction Types 15 and 70 are not applicable to zones VE, 
V01-V30, and unnumbered V.


Part 4 4-66J Revision 4 (10/1/01)
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DATA ELEMENT: CRS Classification Credit Percentage (Cont'd.) 
CRS REPORTING REQUIREMENTS  Effective May 1, 2008: (Contd.)


Pre-FIRM and Post-FIRM B, C, D, X, A99, AR/AR Dual Zones 


OBSTRUCTION 
TYPE 
Blank (Non-
elevated 
buildings only) 
ELEVATION DIFFERENCE 
Below the 
BFE 
(-) 
YES 
Zero or 
above the 
BFE (+) 
YES 
No 
Elevation 
(+999) 
YES 
10 YES YES YES 
15 YES YES YES 
20 YES YES YES 
24 YES YES YES 
30 YES YES YES 
34 YES YES YES 
40 YES YES YES 
50 YES YES YES 
54 YES YES YES 
60 YES YES YES 
70 N/A N/A N/A 
80 YES YES YES 

Notes: 

NO = CRS discount is not allowed (report CRS discount as zero)YES = CRS discount is allowed 

Obstruction Type 70 is not applicable to B, C, D, X, A99, 
AR/AR Dual zones.


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DATA ELEMENT: Obstruction Type

ALIAS: None 

ACRONYM: WYO (PMF) OBSTRUCTION

FILE: Policy Master (PMF) 
Actuarial (APOL) 

DESCRIPTION: 

This describes the type of obstruction that may be present underan elevated building. An obstruction includes an enclosed area 
and/or machinery and equipment attached to the building below thelowest elevated floor. 

Enclosed Area: An enclosure is that portion of an elevatedbuilding below the lowest elevated floor that is either partiallyor fully shut in by rigid walls. 

Certain areas are considered to be free of obstruction if the 
areas have: (1) insect screening, provided that no additionalsupports are required for the screening; or (2) wooden or plasticlattice with at least 40 percent of its area open and made ofmaterial no thicker than  inch; or (3) wooden or plastic slatsor shutters with at least 40 percent of their area open and madeof material no thicker than 1 inch. 

In zones other than V, Vl-V30, and VE, unfinished enclosed areasconstructed with openings, such as with parallel shear walls,
open lattice walls, discontinuous foundation walls, orcombination thereof, to facilitate the free movement of water,
are not considered to be obstructions. 

Machinery and equipment attached to a building below the lowestelevated floor and below the BFE are always considered to beobstructions, whether or not they are enclosed. 

In Zones V, Vl-V30, and VE, solid breakaway walls, nonbreakawaywalls, or finished areas below the lowest elevated floor arealways considered to be an obstruction. 

Subgrade Crawlspace: Buildings with subgrade crawlspaces areeligible for the communitys CRS discount provided that they havea letter from a community official certifying that the subgradecrawlspace is built in compliance with the NFIP requirements forcrawlspace construction, as outlined on pages 3-5 of FEMA 
Technical Bulletin 11-01, Crawlspace Construction for BuildingsLocated in Special Flood Hazard Areas. In addition to meetingthe NFIP requirements applicable to all crawlspace constructionin Special Flood Hazard Areas (SFHAs), buildings with subgradecrawlspaces must also meet special requirements for subgradecrawlspaces. These additional requirements are as follows: 

 The interior grade of a crawlspace below the BFE must not bemore than 2 feet below the lowest adjacent exterior grade(LAG). 
Part 4 4-141 Revision 4 (10/1/01) 
Change 12 Effective 5/1/08 



DATA ELEMENT: Obstruction Type (Contd.)

DESCRIPTION: (Contd.) 

 The height of the below-grade crawlspace, measured from theinterior grade of the crawlspace to the top of thecrawlspace foundation wall, must not exceed 4 feet at anypoint. 
 There must be an adequate drainage system that removes
floodwaters from the interior area of the crawlspace. 
 The velocity of flood waters at the site should not exceed 5feet per second for any crawlspace. 
The full text of the NFIP requirements for subgrade crawlspaceconstruction can be found in FEMA Technical Bulletin 11-01, whichis available online at http://www.fema.gov/pdf/fima/tb1101.pdf. 

EDIT CRITERIA: Number, Alphanumeric, Acceptable Values: 

10 - Free of obstruction (See NOTE) 

15 - With obstruction: enclosure/crawlspace withproper openings not used for rating (notapplicable in V Zones) 

20 - With obstruction: less than 300 sq. ft.
with breakaway walls, but no machinery orequipment attached to building below lowestelevated floor, or the elevation of themachinery or equipment is at or above theBase Flood Elevation 

24 - With obstruction: less than 300 sq. ft.
with breakaway walls and with machinery orequipment attached to building below lowestelevated floor. The elevation of the 
machinery or equipment is below the BaseFlood Elevation. 

30 - With obstruction: 300 sq. ft. or more withbreakaway walls, but no machinery orequipment attached to building below theBase Flood Elevation 

34 - With obstruction: 300 sq. ft. or more withbreakaway walls and with machinery orequipment attached to building below theBase Flood Elevation 

Part 4 4-142 Revision 4 (10/1/01) 
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DATA ELEMENT: Obstruction Type (Cont'd.) 

EDIT CRITERIA: (Cont'd.) 

40 - With obstruction: no walls, but theelevation of machinery or equipmentattached to building is below Base FloodElevation (NOTE: Use Obstruction Type 10
and Without Obstruction Rate Table if the 
elevation of machinery or equipment is ator above the Base Flood Elevation.) 

50 - With obstruction: nonbreakaway walls withno machinery or equipment attached tobuilding below lowest elevated floor 

54 - With obstruction: nonbreakaway walls withmachinery or equipment attached to buildingbelow lowest elevated floor 

60 - With obstruction 

70  With Certification subgrade crawlspace(AE, A01-A30, unnumbered A, AO, AH,
AOB, AHB zones) 

80  Without Certification subgrade crawlspace(all zones) 

LENGTH: 2 

DEPENDENCIES: Information is obtained from the Flood Insurance 
Application. 

SYSTEM FUNCTION: Rating Element 

REPORTING REQUIREMENT: Required 

NOTE: If the Original New Business date is on or after October1, 2001, and the Elevated Building indicator is N (notelevated), then the Obstruction Type must be blank. Prior 
to October 1, 2001, the obstruction type can be either10 or blank. 

For policies with effective dates on or after May 1, 2008,
and the Elevated Building indicator is N, theObstruction Type must be blank, 70, or 80. 

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Part 4 4-142B Revision 4 (10/1/01) 
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DATA ELEMENT: Risk Rating Method (Cont'd.)

DESCRIPTION: (Cont'd.) 

Provisional Rating: Provisional rating is available to enable theplacement of coverage prior to receipt of the Elevation Certificate.
An Elevation Certificate and conversion to standard rating is stillrequired. Provisionally rated policies cannot be renewed or rewrittenwith provisional rates. Provisionally rated policies cannot beendorsed to increase coverage limits until the required elevationinformation is received. Failure to obtain the Elevation Certificate 
could result in reduced coverage limits at the time of a loss. 

Provisional rates may be used in writing new business whether ornot the 30 day waiting period is applicable. The policy term is 1year. 

Policies rated using provisional rates are subject to CRSdiscounts, probation surcharges, and optional deductiblerelativities, as applicable. The Expense Constant and FederalPolicy Fee also apply to policies rated using provisional rates. 

Preferred Risk Policy (PRP): Prior to May 1, 2004, this policy wasavailable for one- to four-family residential buildings only andsolely in B, C, and X zones. Effective May 1, 2004, this policywill also be available for other residential and non-residential 
buildings solely in B, C and X zones. 

There are various levels of coverage that may be chosen. The 
amounts for each option are fixed and cannot vary and include bothbuilding and contents coverage. Effective May 1, 2004, contents-
only coverage will be available for PRP policies. 

Premiums, likewise, are flat and fixed, with no rates, and varyonly for basement and no-basement structures. Effective May 1,2004, premiums for contents-only PRP policies will vary dependingupon the specific location of contents reported, regardless of the

basement/enclosure/crawlspace type. The only deductible availableis the standard $500.00. 

Tentative Rate: Tentative rates, which are generally higher thanthe normal manual rates, are used to issue policies when producersfail to provide the required actuarial rating information such as avalid Elevation Certificate. By applying tentative rates, theagent can generate a policy with coverage limits based on theactual premium received. Tentatively rated policies cannot beendorsed to increase coverage limits, or renewed for another policyterm, until the required actuarial rating information and fullpremium payment are received.

Note: Effective May 1, 2004, tentative rates can be used only onceon new business or renewal transactions. Any subsequent renewalsusing tentative rates will be in error.

Mortgage Portfolio Protection Program (MPPP) Policies: MPPP 
policies are allowed only in conjunction with mortgage portfolioreviews and the servicing of those portfolios by lenders andmortgage servicing companies. Policies are written because the 
mortgagor did not respond to previous notices to purchase coverageand show evidence of such. Policies under the MPPP will be for one 
term only and can be renewed but not automatically. 

Part 4 4-181 Revision 4 (10/1/01) 
Change 12 Effective 5/1/08 



DATA ELEMENT: Risk Rating Method (Cont'd.) 

DESCRIPTION: (Cont'd.) 

The following data elements are required to be reported for MPPPpolicies: 

1. WYO Transaction Code 
2. WYO Transaction Date 
3. WYO Prefix Code 
4. Policy Number 
5. Policy Effective Date
6. Policy Expiration Date
7. Name or Descriptive Information Indicator
8. Property Street Address
9. Property City 
10. Property State 
11. Property ZIP Code
12. Community Identification Number
13. Map Panel Number
14. Map Panel Suffix
15. Flood Risk Zone 
16. Occupancy Type 
17. Total Amount of Insurance - Building
18. Total Amount of Insurance - Contents 
19. Total Calculated Premium 
20. Risk Rating Method
21. Insured Last Name 
22. Condominium Indicator 
23. Regular/Emergency Program Indicator
24. Insured First Name 
25. Name Format Indicator 
26. Mailing City 
27. Mailing State 
28. Mailing Street Address
29. Mailing ZIP Code 
Optional Post-1981 V Zone Rate: Pre-FIRM and Post-FIRM 1975-1981 
buildings in Zones VE and V01-V30 are allowed to use Post-1981V Zone rates if the rates are more favorable to the insured. In 
order to qualify, the following criteria must be met: 

 The policy must be rated using the BFE printed on the FIRMthat includes wave height. 
 The building rates are determined based on the ratio of theestimated building replacement cost and amount of insurancepurchased. 
 The effective date of the FIRM or the reported map panel dateis on or after October 1, 1981. 
 The building must be either elevated free of obstruction orwith breakaway wall obstruction less than 300 square feet.
All machinery and equipment below the BFE are consideredobstructions. 
Group Flood Insurance Policy (GFIP): This policy provides atemporary mechanism for the recipients of IFG (Individual andFamily Grant) and IHP (Individual and Households Grant Program)
disaster assistance  generally low-income persons  to haveflood insurance coverage for a period of three years following 

Part 4 4-182 Revision 4 (10/1/01) 
Change 10 Effective 5/1/08 



PART 5 - CODES 

TABLE OF CONTENTS 

Page 

INTRODUCTION................................................5-1 


Basement/Enclosure/Crawlspace Type..........................5-1
Building Damage Subject to Policy Exclusions (ACV)..........5-1
Building in Course of Construction Indicator................5-1
Cancellation/Voidance Reason................................5-1
Cause of Loss...............................................5-2 
Claim Closed Without Payment Reason - Building..............5-2
Claim Closed Without Payment Reason - Contents..............5-2
Claim Closed Without Payment Reason - ICC...................5-3
Claim Status Indicator......................................5-3 
Coinsurance Claim Settlement Indicator......................5-3 
Community Identification Number.............................5-3
Condominium Indicator.......................................5-3 
Contents Damage Subject to Policy Exclusions (ACV)..........5-4
Coverage Required for Disaster Assistance...................5-4
Deductible - Applicable to Building Claim Payment...........5-4
Deductible - Applicable to Contents Claim Payment...........5-5
Deductible - Building.......................................5-5
Deductible - Contents.......................................5-5A 
Duration Building Will Not Be Habitable.....................5-5A
Elevated Building Indicator.................................5-5A
Elevation Certificate Indicator.............................5-6 
Exterior Wall Structure Type................................5-6
Exterior Wall Surface Treatment.............................5-6 
Factors Related to Cause of Loss............................5-7 
Final Payment Indicator - Building..........................5-7
Final Payment Indicator - Contents..........................5-7
Final Payment Indicator - ICC...............................5-7
Flood Characteristics.......................................5-7 
Floodproofed Indicator......................................5-8
Foundation Type.............................................5-8
ICC Claim Indicator.........................................5-8 
ICC Mitigation Indicator....................................5-8
Insurance to Value Ratio Indicator..........................5-9 
Location of Contents Indicator..............................5-9 
Name Format Indicator.......................................5-9 
Name or Descriptive Information Indicator...................5-9
New/Rollover Indicator......................................5-9
Number of Floors (Including Basement)/Building Type.........5-9
Obstruction Type............................................5-10
Occupancy Type..............................................5-11
Policy Status Indicator.....................................5-11
Policy Term Indicator.......................................5-11
Post-FIRM Construction Indicator............................5-11 
Premium Payment Indicator...................................5-11


Part 5 5-i Revision 4 (10/1/01) 
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PART 5 - CODES 

Table of Contents (Contd.) 


Page 

Principal Residence Indicator...............................5-11
Regular/Emergency Program Indicator.........................5-11
Repetitive Loss Target Group Indicator......................5-11
Replacement Cost Indicator..................................5-12
Risk Rating Method..........................................5-12
Special Expense Type........................................5-12
State-Owned Property........................................5-12
Substantial Improvement Indicator...........................5-12
Value of Building Items Subject to Policy Exclusions (ACV)..5-12
Value of Contents Items Subject to Policy Exclusions (ACV)..5-13
WYO Transaction Code........................................5-13 
1981 Post-FIRM V Zone Certification Indicator...............5-14 


Part 5 5-ii Revision 4 (10/1/01) 
Change 6 Effective 5/1/04 



PART 5 - CODES 

INTRODUCTION 

This section documents the coding scheme used to record NFIP/WYOinsurance information. 

BASEMENT/ENCLOSURE/CRAWLSPACE TYPE 

DESCRIPTION CODE 

None 0 
Finished 1 
Unfinished 2 

BUILDING DAMAGE SUBJECT TO POLICY EXCLUSIONS (ACV) 

DESCRIPTION CODE 

Less than $1,000 1 
$1,000 - $2,000 2 
$2,001 - $5,000 3 
$5,001 - $10,000 4 
$10,001 - $20,000 5 
More than $20,000 6 

BUILDING IN COURSE OF CONSTRUCTION INDICATOR 

DESCRIPTION CODE 

Yes Y 
No N 

CANCELLATION/VOIDANCE REASON 

DESCRIPTION CODE 

Building Sold or Removed 01 
Contents Sold or Removed (for Contents-Only Policy) 02 
Policy Canceled and Rewritten to Establish a Common

Expiration Date with Other Insurance Coverage 03 
Duplicate NFIP Policies 04 
Nonpayment 05 
Risk Not Eligible for Coverage 06 
Property Closing Did Not Occur 08 
Insurance No Longer Required by Mortgagee Because Property

Is No Longer Located in a Special Flood Hazard Area Due to

Physical Map Revision 09 
Other: Continuous Lake Flooding or Closed Basin Lakes 10 
Nonpayment/No Refund (No longer valid) 11 
Insurance No Longer Required Based on FEMA Review of

Lender's Special Flood Hazard Area Determination 16 
Duplicate Policies from Sources Other Than the NFIP 17 
Mid-Term Cancellation of a 3-Year Policy to Obtain

ICC Coverage 

18 
Mortgage Paid Off on a Mortgage Portfolio ProtectionProgram (MPPP) Policy (combined with 52) 

19 

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CANCELLATION/VOIDANCE REASON (Contd.) 

DESCRIPTION CODE 

Insurance No Longer Required by Mortgagee Because Structure

Has Been Removed from Special Flood Hazard Area by Means

of Letter of Map Amendment (LOMA) or Letter of Map

Revision (LOMR) 

20 
Policy Was Written to the Wrong Facility (Repetitive Loss

Target Group) 21 
Cancel/Rewrite Due to Misrating 22 
Fraud 23 
Cancel/Rewrite Due to Map Revision 24 
Condominium Policy (Unit or Association) Converting to

RCBAP 45 
Policy Not Required by Mortgagee 50 
Mid-Term Voidance of 3-Year Policy Due to Cessation of

Community Participation in the NFIP 51 
Mortgage Paid Off 52 
Voidance Prior to Effective Date 60 
Voidance Due to Credit Card Error 70 

CAUSE OF LOSS 

DESCRIPTION CODE 

Other Causes 0 
Tidal Water Overflow 1 
Stream, River, or Lake Overflow 2 
Alluvial Fan Overflow 3 
Accumulation of Rainfall or Snowmelt 4 
Erosion  Demolition 7 
Erosion  Removal 8 
Earth Movement, Landslide, Land Subsidence, Sinkholes, etc. 9 
Closed Basin Lake A 
Expedited Claim Handling Process Without Site Inspection B 
Expedited Claim Handling Process Follow-up Site Inspection C 
Expedited Claim Handling Process by Adjusting Process Pilot

Program D 

CLAIM CLOSED WITHOUT PAYMENT REASON - BUILDING
CLAIM CLOSED WITHOUT PAYMENT REASON - CONTENTS


DESCRIPTION CODE 

Claim denied that was less than deductible 01 
Seepage 02 
Backup drains 03 
Shrubs not covered 04 
Sea wall 05 
Not actual flood 06 
Loss in progress 07 
Failure to pursue claim 08 
Debris removal only 09 
Fire 10 

Part 5 5-2 Revision 4 (10/1/01) 
Change 8.1 Effective 10/1/05 



INSURANCE TO VALUE RATIO INDICATOR 

DESCRIPTION CODE 

Less than .50 1 
.50 - .74 2 
.75 or More 3 

LOCATION OF CONTENTS INDICATOR 

DESCRIPTION CODE 

Basement Only 1 
Basement and Above 2 
Lowest Floor Only Above Ground Level 3 
Lowest Floor Above Ground Level and Higher Floors 4 
Above Ground Level More Than One Full Floor 5 
Manufactured (Mobile) Home or Travel Trailer on Foundation 6 

NAME FORMAT INDICATOR 

DESCRIPTION CODE 

Person P 
Group G 

NAME OR DESCRIPTIVE INFORMATION INDICATOR 

DESCRIPTION CODE 

Name N 
Descriptive D 

NEW/ROLLOVER INDICATOR 

DESCRIPTION CODE 

New Issue N 
Rollover/Renewal R 
Rollover/Renewal with Elevation Certification Date Prior to

October 1, 1997 (effective May 1, 2005, code no longer valid) E 
Rewritten for TRRP Cancellation Reason Codes 22 and 24 Z 

NUMBER OF FLOORS (INCLUDING BASEMENT)/BUILDING TYPE 

DESCRIPTION CODE 

One Floor 
Two Floors 
Three or More Floors 
Split-LevelManufactured (Mobile) Home or Travel Trailer on FoundationTownhouse/Rowhouse with three or more floors

(RCBAP Low-rise only) 

6 

Part 5 5-9 Revision 4 (10/1/01) 
Change 7 Effective 5/1/05 



OBSTRUCTION TYPE



DESCRIPTION CODE 

Free of obstruction 10 

With obstruction: enclosure/crawlspace with properopenings not used for rating (not applicable in V zones) 15 

With obstruction: less than 300 sq. ft. withbreakaway walls, but no machinery or equipmentattached to building below lowest elevated floor, orelevation of machinery/equipment is at or above BaseFlood Elevation 20 

With obstruction: less than 300 sq. ft. withbreakaway walls and with machinery or equipmentattached to building below lowest elevated floor, andelevation of machinery/equipment is below Base FloodElevation 24 

With obstruction: 300 sq. ft. or more withbreakaway walls, but no machinery or equipmentattached to building below the Base Flood Elevation 30 

With obstruction: 300 sq. ft. or more withbreakaway walls and with machinery or equipmentattached to building below the Base Flood Elevation 34 

With obstruction: no walls, but the elevation of machineryor equipment attached to building is below Base FloodElevation (NOTE: Use Obstruction Type 10 and WithoutObstruction Rate Table if the elevation of machinery/
Equipment is at or above Base Flood Elevation.) 40 

With obstruction: nonbreakaway walls with no machineryor equipment attached to building below lowest elevatedfloor 50 

With obstruction: nonbreakaway walls with machineryor equipment attached to building below lowestelevated floor 54 

With obstruction 60 

With Certification subgrade crawlspace (AE, A01-A30,
unnumbered A, AO, AH, AOB, AHB zones) 70 

Without Certification subgrade crawlspace (applicable toall zones) 

80 

OCCUPANCY TYPE 

DESCRIPTION CODE 

Single-Family 1 
Two- to Four-Family 2 
Other Residential 3 
Nonresidential 4 

Part 5 5-10 Revision 4 (10/1/01) 
Change 12 Effective 5/1/08 



PART 6 - RECORD LAYOUTS 

INTRODUCTION 

This section provides a description of the record layout for eachsystem transaction. The description includes the field lengthand record position. Each transaction has the possibility of a"Record A" and a "Record B." The "Record A" designates thosedata elements that are required and the "Record B" the optionaldata elements for the transaction. Each transaction is presentedin a narrative form. 

Part 6 6-1 Revision 4 (10/1/01) 
Effective 10/1/89 



11 New Business

 Field Record 

Record A Length Position 

Transaction Code (11A) 3 1-3 
Transaction Date 8 4-11 
WYO Prefix Code 5 12-16 
Policy Number 10 17-26 
Policy Effective Date 8 27-34 
Policy Expiration Date 8 35-42 
Name or Descriptive Information Indicator 1 43 
Property Beginning Street Number 10 44-53 
Property Address 1 50 54-103 
Property Address 2 50 104-153 
Property City 30 154-183 
Property State 2 184-185 
Property ZIP Code 9 186-194 
Case File Number for Disaster Assistance 9 195-203 
Coverage Required for Disaster Assistance 1 204 
Community Identification Number 6 205-210 
Map Panel Number 4 211-214 
Map Panel Suffix 1 215 
Regular/Emergency Program Indicator 1 216 
Flood Risk Zone 3 217-219 
Occupancy Type 1 220 
Number of Floors (Including Basement)/

Building Type 1 221 
Basement/Enclosure/Crawlspace Type 1 222 
Condominium Indicator 1 223 
State-Owned Property 1 224 
Building in Course of Construction Indicator 1 225 
Deductible - Building 1 226 
Deductible - Contents 1 227 
Elevated Building Indicator 1 228 
Obstruction Type 2 229-230 
Location of Contents Indicator 1 231 
Original Construction Date/Substantial

Improvement Date 8 232-239 
Post-FIRM Construction Indicator 1 240 
Elevation Difference 4 241-244 
Floodproofed Indicator 1 245 
Total Amount of Insurance - Building 8 246-253 
Total Amount of Insurance - Contents 5 254-258 
Total Calculated Premium 7 259-265 
Risk Rating Method 1 266 
Policy Term Indicator 1 267 
Premium Payment Indicator 1 268 
New/Rollover Indicator 1 269 
Filler 8 270-277 
Insurance to Value Ratio Indicator 1 278 
Elevation Certificate Indicator 1 279 
1981 Post-FIRM V Zone Certification Ind. 1 280 
Condominium Master Policy Units 3 281-283 
Insured Last Name 25 284-308 
Insured First Name 25 309-333 

The Taxpayer Identification Number has been removed from the TRRPtransaction, effective May 1, 2008. 

Part 6 6-2 Revision 4 (10/1/01) 
Change 12 Effective 5/1/08 



New Business (Contd.)

 Field Record 

Record A (Contd.) Length Position

 Name Format Indicator 1 334 
CRS Classification Credit Percentage 2 335-336 
Federal Policy Fee 3 337-339 
Expense Constant 3 340-342 
Principal Residence Indicator 1 343 
Replacement Cost 10 344-353 
Lowest Floor Elevation (LFE) 6 354-359 
Base Flood Elevation (BFE) 6 360-365 
Repetitive Loss Target Group Indicator 1 366 
Lowest Adjacent Grade 6 367-372 
Diagram Number 1 373 
Elevation Certification Date 8 374-381 
Basic Building Rate WYO 5 382-386 
Additional Building Rate WYO 5 387-391 
Basic Contents Rate WYO 5 392-396 
Additional Contents Rate WYO 5 397-401 
ICC Premium WYO 3 402-404 
Probation Surcharge Amount WYO 3 405-407 
Deductible Percentage WYO 4 408-411 
Repetitive Loss ID Number 7 412-418 
Reserved for NFIP Use 39 419-457 
Original Submission Month 6 458-463 
Rejected Transaction Control Number 6 464-469 
Sort Sequence Key 1 470 
Reserved for WYO Company Use 30 471-500 

Part 6 6-3 Revision 4 (10/1/01) 
Change 12 Effective 5/1/08 



12 Mailing Address Data

 Field Record 

Record A Length Position 

Transaction Code (12A) 3 1-3 
Transaction Date 8 4-11 
WYO Prefix Code 5 12-16 
Policy Number 10 17-26 
Name or Descriptive Information Indicator 1 27 
Mailing Address 1 50 28-77 
Mailing Address 2 50 78-127 
Mailing City 30 128-157 
Mailing State 2 158-159 
Mailing ZIP Code 9 160-168 
Reserved for NFIP Use 289 169-457 
Original Submission Month 6 458-463 
Rejected Transaction Control Number 6 464-469 
Sort Sequence Key 1 470 
Reserved for WYO Company Use 30 471-500 

NOTE: This transaction must be submitted with any new business

(11A), renewal (17A), or reinstatement transaction (14A,15A)

OR when the mailing address information has been updated by

the WYO company. 

Part 6 6-3A Revision 4 (10/1/01) 
Change 8 Effective 10/1/05 



15 Policy Reinstatement With Policy Changes 

Field Record 
Record A Length Position 

Transaction Code (15A) 3 1-3 
Transaction Date 8 4-11 
WYO Prefix Code 5 12-16 
Policy Number 10 17-26 
Policy Effective Date 8 27-34 
Policy Expiration Date 8 35-42 
Name or Descriptive Information Indicator 1 43 
Property Beginning Street Number 10 44-53 
Property Address 1 50 54-103 
Property Address 2 50 104-153 
Property City 30 154-183 
Property State 2 184-185 
Property ZIP Code 9 186-194 
Case File Number for Disaster Assistance 9 195-203 
Coverage Required for Disaster Assistance 1 204 
Community Identification Number 6 205-210 
Map Panel Number 4 211-214 
Map Panel Suffix 1 215 
Regular/Emergency Program Indicator 1 216 
Flood Risk Zone 3 217-219 
Occupancy Type 1 220 
Number of Floors (Including Basement)/

Building Type 1 221 
Basement/Enclosure/Crawlsapce Type 1 222 
Condominium Indicator 1 223 
State-Owned Property 1 224 
Building in Course of Construction Indicator 1 225 
Deductible - Building 1 226 
Deductible - Contents 1 227 
Elevated Building Indicator 1 228 
Obstruction Type 2 229-230 
Location of Contents Indicator 1 231 
Original Construction Date/Substantial

Improvement Date 8 232-239 
Post-FIRM Construction Indicator 1 240 
Elevation Difference 4 241-244 
Floodproofed Indicator 1 245 
Total Amount of Insurance - Building 8 246-253 
Total Amount of Insurance - Contents 5 254-258 
Reinstatement Premium 9 259-267 
Risk Rating Method 1 268 
Policy Term Indicator 1 269 
Premium Payment Indicator 1 270 
New/Rollover Indicator 1 271 
Endorsement Effective Date 8 272-279 
Insurance to Value Ratio Indicator 1 280 
Elevation Certificate Indicator 1 281 
1981 Post-FIRM V Zone Certification Ind. 1 282 
Condominium Master Policy Units 3 283-285 
Insured Last Name 25 286-310 
Insured First Name 25 311-335 

The Taxpayer Identification Number has been removed from the TRRPtransaction, effective May 1, 2008. 

Part 6 6-5 Revision 4 (10/1/01) 
Change 12 Effective 5/1/08 



Policy Reinstatement With Policy Changes (Contd.) 

Field Record 
Record A (Contd) Length Position

 Name Format Indicator 1 336 
CRS Classification Credit Percentage 2 337-338 
Reinstatement Federal Policy Fee 5 339-343 
Expense Constant 3 344-346 
Principal Residence Indicator 1 347 
Replacement Cost 10 348-357 
Lowest Floor Elevation (LFE) 6 358-363 
Base Flood Elevation (BFE) 6 364-369 
Repetitive Loss Target Group Indicator 1 370 
Lowest Adjacent Grade 6 371-376 
Diagram Number 1 377 
Elevation Certification Date 8 378-385 
Basic Building Rate WYO 5 386-390 
Additional Building Rate WYO 5 391-395 
Basic Contents Rate WYO 5 396-400 
Additional Contents Rate WYO 5 401-405 
ICC Premium WYO 3 406-408 
Probation Surcharge Amount WYO 3 409-411 
Deductible Percentage WYO 4 412-415 
Repetitive Loss ID Number 7 416-422 
Reserved for NFIP Use 35 423-457 
Original Submission Month 6 458-463 
Rejected Transaction Control Number 6 464-469 
Sort Sequence Key 1 470 
Reserved for WYO Company Use 30 471-500 

Part 6 6-6 Revision 4 (10/1/01) 
Change 12 Effective 5/1/08 



17 Renewals

 Field Record 

Record A Length Position 

Transaction Code (17A) 3 1-3 
Transaction Date 8 4-11 
WYO Prefix Code 5 12-16 
Policy Number 10 17-26 
Policy Effective Date 8 27-34 
Policy Expiration Date 8 35-42 
Name or Descriptive Information Indicator 1 43 
Property Beginning Street Number 10 44-53 
Property Address 1 50 54-103 
Property Address 2 50 104-153 
Property City 30 154-183 
Property State 2 184-185 
Property ZIP Code 9 186-194 
Case File Number for Disaster Assistance 9 195-203 
Coverage Required for Disaster Assistance 1 204 
Community Identification Number 6 205-210 
Map Panel Number 4 211-214 
Map Panel Suffix 1 215 
Regular/Emergency Program Indicator 1 216 
Flood Risk Zone 3 217-219 
Occupancy Type 1 220 
Number of Floors (Including Basement)/

Building Type 1 221 
Basement/Enclosure/Crawlspace Type 1 222 
Condominium Indicator 1 223 
State-Owned Property 1 224 
Building in Course of Construction Indicator 1 225 
Deductible - Building 1 226 
Deductible - Contents 1 227 
Elevated Building Indicator 1 228 
Obstruction Type 2 229-230 
Location of Contents Indicator 1 231 
Original Construction Date/Substantial

Improvement Date 8 232-239 
Post-FIRM Construction Indicator 1 240 
Elevation Difference 4 241-244 
Floodproofed Indicator 1 245 
Total Amount of Insurance - Building 8 246-253 
Total Amount of Insurance - Contents 5 254-258 
Total Calculated Premium 7 259-265 
Risk Rating Method 1 266 
Policy Term Indicator 1 267 
Premium Payment Indicator 1 268 
Filler 9 269-277 
Insurance to Value Ratio Indicator 1 278 
Elevation Certificate Indicator 1 279 
1981 Post-FIRM V Zone Certification Ind. 1 280 
Condominium Master Policy Units 3 281-283 
Insured Last Name 25 284-308 
Insured First Name 25 309-333 

The Taxpayer Identification Number has been removed from the TRRPtransaction, effective May 1, 2008. 

Part 6 6-7 Revision 4 (10/1/01) 
Change 12 Effective 5/1/08 



Renewals (Contd.)

 Field Record 
Record A (Contd.) Length Position

 Name Format Indicator 1 334 
CRS Classification Credit Percentage 2 335-336 
Federal Policy Fee 3 337-339 
Expense Constant 3 340-342 
Principal Residence Indicator 1 343 
Replacement Cost 10 344-353 
Lowest Floor Elevation (LFE) 6 354-359 
Base Flood Elevation (BFE) 6 360-365 
Repetitive Loss Target Group Indicator 1 366 
Lowest Adjacent Grade 6 367-372 
Diagram Number 1 373 
Elevation Certification Date 8 374-381 
Basic Building Rate WYO 5 382-386 
Additional Building Rate WYO 5 387-391 
Basic Contents Rate WYO 5 392-396 
Additional Contents Rate WYO 5 397-401 
ICC Premium WYO 3 402-404 
Probation Surcharge Amount WYO 3 405-407 
Deductible Percentage WYO 4 408-411 
Repetitive Loss ID Number 7 412-418 
Reserved for NFIP Use 39 419-457 
Original Submission Month 6 458-463 
Rejected Transaction Control Number 6 464-469 
Sort Sequence Key 1 470 
Reserved for WYO Company Use 30 471-500 

Part 6 6-8 Revision 4 (10/1/01) 
Change 12 Effective 5/1/08 



20 Endorsements

 Field Record 

Record A Length Position 

Transaction Code (20A) 3 1-3 
Transaction Date 8 4-11 
WYO Prefix Code 5 12-16 
Policy Number 10 17-26 
Policy Effective Date 8 27-34 
Policy Expiration Date 8 35-42 
Name or Descriptive Information Indicator 1 43 
Property Beginning Street Number 10 44-53 
Property Address 1 50 54-103 
Property Address 2 50 104-153 
Property City 30 154-183 
Property State 2 184-185 
Property ZIP Code 9 186-194 
Case File Number for Disaster Assistance 9 195-203 
Coverage Required for Disaster Assistance 1 204 
Community Identification Number 6 205-210 
Map Panel Number 4 211-214 
Map Panel Suffix 1 215 
Regular/Emergency Program Indicator 1 216 
Flood Risk Zone 3 217-219 
Occupancy Type 1 220 
Number of Floors (Including Basement)/

Building Type 1 221 
Basement/Enclosure/Crawlspace Type 1 222 
Condominium Indicator 1 223 
State-Owned Property 1 224 
Building in Course of Construction Indicator 1 225 
Deductible - Building 1 226 
Deductible - Contents 1 227 
Elevated Building Indicator 1 228 
Obstruction Type 2 229-230 
Location of Contents Indicator 1 231 
Original Construction Date/Substantial

Improvement Date 8 232-239 
Post-FIRM Construction Indicator 1 240 
Elevation Difference 4 241-244 
Floodproofed Indicator 1 245 
Total Amount of Insurance - Building 8 246-253 
Total Amount of Insurance  Contents 5 254-258 
Endorsement Premium Amount 7 259-265 
Risk Rating Method 1 266 
Policy Term Indicator 1 267 
Premium Payment Indicator 1 268 
New/Rollover Indicator 1 269 
Endorsement Effective Date 8 270-277 
Insurance to Value Ratio Indicator 1 278 
Elevation Certificate Indicator 1 279 
1981 Post-FIRM V Zone Certification Ind. 1 280 
Condominium Master Policy Units 3 281-283 
Insured Last Name 25 284-308 
Insured First Name 25 309-333 
The Taxpayer Identification Number has been removed from the TRRPtransaction, effective May 1, 2008. 

Part 6 6-9 Revision 4 (10/1/01) 
Change 12 Effective 5/1/08 



Endorsements (Contd.)

 Field Record 

Record A (Contd) Length Position

 Name Format Indicator 1 334 
CRS Classification Credit Percentage 2 335-336 
Federal Policy Fee 3 337-339 
Expense Constant 3 340-342 
Principal Residence Indicator 1 343 
Replacement Cost 10 344-353 
Lowest Floor Elevation (LFE) 6 354-359 
Base Flood Elevation (BFE) 6 360-365 
Repetitive Loss Target Group Indicator 1 366 
Lowest Adjacent Grade 6 367-372 
Diagram Number 1 373 
Elevation Certification Date 8 374-381 
Basic Building Rate WYO 5 382-386 
Additional Building Rate WYO 5 387-391 
Basic Contents Rate WYO 5 392-396 
Additional Contents Rate WYO 5 397-401 
ICC Premium WYO 3 402-404 
Probation Surcharge Amount WYO 3 405-407 
Deductible Percentage WYO 4 408-411 
Repetitive Loss ID Number 7 412-418 
Reserved for NFIP Use 39 419-457 
Original Submission Month 6 458-463 
Rejected Transaction Control Number 6 464-469 
Sort Sequence Key 1 470 
Reserved for WYO Company Use 30 471-500 

Part 6 6-10 Revision 4 (10/1/01) 
Change 12 Effective 5/1/08 



23 Policy Correction

 Field Record 
Record A Length Position 
Transaction Code (23A) 3 1-3 
Transaction Date 8 4-11 
WYO Prefix Code 5 12-16 
Policy Number 10 17-26 
Policy Effective Date 8 27-34 
Policy Expiration Date 8 35-42 
Name or Descriptive Information Indicator 1 43 
Property Beginning Street Number 10 44-53 
Property Address 1 50 54-103 
Property Address 2 50 104-153 
Property City 30 154-183 
Property State 2 184-185 
Property ZIP Code 9 186-194 
Case File Number for Disaster Assistance 9 195-203 
Coverage Required for Disaster Assistance 1 204 
Community Identification Number 6 205-210 
Map Panel Number 4 211-214 
Map Panel Suffix 1 215 
Regular/Emergency Program Indicator 1 216 
Flood Risk Zone 3 217-219 
Occupancy Type 1 220 
Number of Floors (Including Basement)/
Building Type 1 221 
Basement/Enclosure/Crawlspace Type 1 222 
Condominium Indicator 1 223 
State-Owned Property 1 224 
Building in Course of Construction Indicator 1 225 
Deductible - Building 1 226 
Deductible - Contents 1 227 
Elevated Building Indicator 1 228 
Obstruction Type 2 229-230 
Location of Contents Indicator 1 231 
Original Construction Date/SubstantialImprovement Date 8 232-239 
Post-FIRM Construction Indicator 1 240 
Elevation Difference 4 241-244 
Floodproofed Indicator 1 245 
Total Amount of Insurance - Building 8 246-253 
Total Amount of Insurance - Contents 5 254-258 
Premium (incremental adjustment to TotalCalculated Premium or Endorsement Premium) 7 259-265 
Risk Rating Method 1 266 
Policy Term Indicator 1 267 
Premium Payment Indicator 1 268 
New/Rollover Indicator 1 269 
Endorsement Effective Date 8 270-277 
Insurance to Value Ratio Indicator 1 278 
Elevation Certificate Indicator 1 279 
1981 Post-FIRM V Zone Certification Ind. 1 280 
Condominium Master Policy Units 3 281-283 
Insured Last Name 25 284-308 
Insured First Name 25 309-333 
The Taxpayer Identification Number has been removed from the TRRPtransaction, effective May 1, 2008 

Part 6 6-11 Revision 4 (10/1/01) 
Change 12 Effective 5/1/08 



Policy Correction (Contd.) 

Field Record 

Record A (Contd.) Length Position

 Name Format Indicator 1 334 
CRS Classification Credit Percentage 2 335-336 
Federal Policy Fee 3 337-339 
Expense Constant 3 340-342 
Principal Residence Indicator 1 343 
Replacement Cost 10 344-353 
Lowest Floor Elevation (LFE) 6 354-359 
Base Flood Elevation (BFE) 6 360-365 
Repetitive Loss Target Group Indicator 1 366 
Lowest Adjacent Grade 6 367-372 
Diagram Number 1 373 
Elevation Certification Date 8 374-381 
Basic Building Rate WYO 5 382-386 
Additional Building Rate WYO 5 387-391 
Basic Contents Rate WYO 5 392-396 
Additional Contents Rate WYO 5 397-401 
ICC Premium WYO 3 402-404 
Probation Surcharge Amount WYO 3 405-407 
Deductible Percentage WYO 4 408-411 
Repetitive Loss ID Number 7 412-418 
Reserved for NFIP Use 39 419-457 
Original Submission Month 6 458-463 
Rejected Transaction Control Number 6 464-469 
Sort Sequence Key 1 470 
Reserved for WYO Company Use 30 471-500 

Part 6 6-12 Revision 4 (10/1/01) 
Change 12 Effective 5/1/08 



PART 7 - INSTRUCTIONS FOR FORMATTING DATA ELEMENTS AND
REVISING DATA ELEMENT VALUES


INTRODUCTION 

This section lists each data element and provides specifications forits reporting format. 

I. FORMATTING DATA ELEMENTS 
This reporting format includes whether the element is areplacement or incremental value and whether it is a signedfield allowing for a negative number. The third column 
indicates whether dollars and cents, whole dollars, or hundredsof dollars are applicable formats for the money fields. The 
last column presents the picture expected for each element. 

In the picture column, numeric fields, indicated by a 9 or 9's,
are right-justified and zero-filled. The number within the 
parentheses is the length of the field preceding the decimalposition. The V9 or V99 indicates an implied decimal position.
For example, 123.45 with a picture of 9(7)V99 would berepresented as 000012345. Note that the field is zero-filled 
with four zeros because the numeric value is not large enoughto use up all of the required length. 

Alpha and alphanumeric fields, indicated by an X in the picturecolumn, are left-justified with trailing spaces. 

Zero, reported in numeric data elements, and blanks, reportedin alpha and alphanumeric data, indicate not reporting or notapplicable. The only exceptions to this rule are on a NewBusiness (11) transaction for the following data elements: 

 Elevation Difference: +999 
 Lowest Floor Elevation: 9999.0 
 Base Flood Elevation: 9999.0 
 Lowest Adjacent Grade: 9999.0 
On a New Business (11) transaction, zero indicates an actual

elevation. 

II. REVISING DATA ELEMENT VALUES 
To change data element values already in the NFIP/WYO System toblank or zero, asterisk fill the appropriate field on thetransaction being submitted. "Asterisk fill" means that if a 
data element has a length of 'n,' then 'n' asterisks are to beplaced in the field. For example, if the data elementCommunity Identification Number: X(6) = 012345 is changed toblank or zero, the picture would be represented as ******.
This feature is not allowed on New Business (11) and OpenClaim/Loss-Reserve (31) transactions. 

Part 7 7-1 Revision 4 (10/1/01) 
Change 9 Effective 5/1/06 



III. LISTING OF DATA ELEMENTS WITH REPORTING SPECIFICATIONS 
$4

 R1 $5

 Data Element I2 S3 $/1006 Picture 

Actual Salvage RecoveryActual Salvage Recovery DateAdditional Building Rate WYOAdditional Contents Rate WYO Alteration Date Base Flood Elevation (BFE)Basement/Enclosure/Crawlspace TypeBasic Building Rate WYOBasic Contents Rate WYO Bldg. Claim Payment (ACV or RCV)Bldg. Claim Payment RecoveryBldg. Damage Subject to PolicyExclusions (ACV)
Bldg. in Course of ConstructionIndicator Cancellation/Voidance ReasonCase File Num. for Disaster Assistance Catastrophe NumberCause of Loss Claim/Loss Closed DateClaim/Loss Reopen DateClaim Closed w/o Pymt. Reason - Bldg.Claim Closed w/o Pymt. Reason - Cont.Claim Closed w/o Pymt. Reason  ICCCoinsurance Claim Settlement Indicator Community Identification NumberCondominium Indicator Condominium Master Policy UnitsContents Claim Payment (ACV)Contents Claim Payment RecoveryContents Damage Subj. to PolicyExclusions (ACV)Coverage Req. for Disaster AssistanceCRS Classification Credit PercentageDamage - Appurtenant (ACV)Damage - Main (ACV)Damage to Contents - Appurtenant (ACV)Damage to Contents - Main (ACV)Date of Loss Deductible - App. to Bldg. Claim Pymt.Deductible - App. to Cont. Claim Pymt.Deductible  BuildingDeductible  Contents Deductible Percentage WYODiagram NumberDuration Bldg. Will Not Be HabitableDuration of Flood Waters in Bldg.Elevated Bldg. IndicatorElevation Certificate Indicator Elevation Certification Date Elevation Difference Endorsement Effective Date Endorsement Premium Amount 
I S R -R -R -R -R S R -R -R -I S I S 
R -
R -R -R -R -R -R -R -R -R -R -R -R -R -R -I S I S 
R -R -R -R -R -R -R -Key -R -R -R -R -R -R -R -R -R -R -R -R S R -I S 
$ ---
-----
$ $ 
-
-------
--
-----$ $ 
---$ $ $ $ ---
--
---------$ 
9(10)V999(8)YYYYMMDD9(2)V9999(2)V9999(8)YYYYMMDDS9(5)V9X 9(2)V9999(2)V999S9(10)V99S9(10)V99 
X 
X XX X(9)9(3)X 9(8)YYYYMMDD9(8)YYYYMMDDXX XX XX X X(6)X 9(3)S9(7)V99S9(7)V99 
X X 9(2)9(7)9(10)9(7)9(7)9(8)YYYYMMDDX X X X 9V999 X X 9(3) HoursX X 9(8)YYYYMMDDS9(4)9(8)YYYYMMDDS9(7) 
1R2I3S4$5$6$/100 
-Replacement Value -Incremental Value -Signed Data Element-Dollars and Cents -Whole Dollars -Hundreds of Dollars 

Part 7 7-2 Revision 4 (10/1/01) 
Change 12 Effective 5/1/08 



SECTION 27 - MORTGAGE PORTFOLIO PROTECTION PROGRAM (MPPP) 

The following data elements are not required to be reported whensubmitting data for an MPPP policy. The NFIP/WYO system willautomatically set these data elements to the following defaultvalues. This will be done regardless of what the WYO companyplaces in these data elements. 

Base Flood Elevation +9999 
Basement/Enclosure/Crawlspace Type 0 
Coverage Required for Disaster Assistance 0 
Deductible - Building 0 
Deductible - Contents 0 
Elevated Building Indicator N 
Elevation Certificate Indicator 2 
Elevation Difference +999 
Floodproofed Indicator N 
Insurance-to-Value Ratio Indicator Blank 
Location of Contents Indicator Blank 
Lowest Floor Elevation +9999 
New or Rollover Indicator N 
Number of Floors (Including Basement)/Building

Type 1 

Original Construction Date/SubstantialImprovement Date 00000000 
Policy Term Indicator 1 
Post-FIRM Construction Indicator Blank 
State-Owned Property N 

Appendix A A-33 Revision 4 (10/1/01)
Change 12 Effective 5/1/08 


The following data elements need to be reported only to justifyinsurance limits. If these data elements are not reported(blanks), then the following default values will be assigned bythe NFIP/WYO system: 

Condominium Indicator N 

Occupancy Type 

1 

For the NFIP/WYO system to accomplish the above, the data element

Risk Rating Method must be reported for an MPPP policy on everyNew Business (11A), Renewal (17A), Endorsement (20A), PolicyReinstatement with Policy Changes (15A), and Policy Correction(23A) transaction submitted. 

Appendix A A-34 Revision 4 (10/1/01)
Effective 10/1/96 


SECTION 28 - LENDER DATA TRANSACTION


The transaction code for the required format of the Lender Datais 99A. This transaction provides first and second mortgageeinformation on policies that have expired more than 120 days. 

While the 99A transaction resembles the standard TRRP transaction 
format and is to be included in the monthly TRRP data, itsprocessing will be different. The Program does not intend to getinvolved in error processing on expired policies and no errorcodes will be generated on 99A transactions. However, someminimal error checking (such as the existence of the policynumber and that it is expired) must be done if the data are to beused. We will also be running internal reports to verify that99A transactions are being received for all pertinent expiredpolicies. 

MAJOR PROCESSING ACTIVITIES 

The Lender Data transactions are processed after all othertransactions. This transaction will have the following key dataedits: 

 Verify that the transaction code is "99A." 
 Verify that the transaction date is less than or equal totoday's date. 
 Verify that the WYO Prefix Code belongs to a WYO company. 
 Verify that the Policy Number is currently in the system. 
 Verify that the policy is expired more than 120 days. 
This transaction will be processed by the edit module, willupdate the Lender Master File, and will create a History Audittransaction. 

Appendix A A-35 Revision 4 (10/1/01)
Change 8 Effective 10/1/05 


SECTION 29  GROUP FLOOD INSURANCE POLICY (GFIP)


The following data elements are not required to be reported whensubmitting data for a Group Flood Insurance policy. The NFIP/WYOsystem will automatically set these data elements to thefollowing default values. This will be done regardless of whatthe WYO company places in these data elements. 

Basement/Enclosure/Crawlspace Type 0 
Building in Course of Construction Indicator N 
Condominium Indicator N 
Condominium Master Policy Units 1 
Coverage Required for Disaster Assistance 5 
CRS Classification Credit Percentage 0 
Deductible  Building X 
Deductible  Contents X 
Elevated Building Indicator N 
Elevation Certificate Indicator Blank 
Elevation Difference +999 
Federal Policy Fee 0 
Flood Risk Zone Blank 
Floodproofed Indicator Blank 
Insurance-to-Value Ratio Indicator Blank 
Location of Contents Indicator Blank 
Map Panel Number Blank 
Map Panel Suffix Blank 
New or Rollover Indicator N 
Number of Floors (Including Basement)/Building

Type Blank 
Obstruction Type 10 
Occupancy Type 1 

Appendix A A-36 Revision 4 (10/1/01)
Change 12 Effective 5/1/08 


This page is intentionally left blank. 

Appendix C C-13 Revision 4 (10/1/01)
Change 7 Effective 5/1/05 


RECORD LAYOUT 

WYO Prefix Code* 

 Policy Number* 

Policy Effective Date

Policy Expiration Date

Endorsement Effective Date 

 Transaction Code 

 Transaction Date 

Name or Descriptive Information Indicator*

Property Beginning Street Number*

Property Address 1*

Property Address 2*

 Property City* 

 Property State* 

Property ZIP Code*

Case File Number for Disaster Assistance 

Coverage Required for Disaster Assistance

Community Identification Number

Map Panel Number

Map Panel Suffix

Regular/Emergency Program Indicator

Flood Risk Zone 

 Occupancy Type 

Number of Floors (Including Basement)/
Building Type

 Basement/Enclosure/Crawlspace Type 

 Condominium Indicator 

 State-Owned Property 

Record 
Length Position 
5 1-5 
10 6-15 
8 16-23 
8 24-31 
8 32-39 
2 40-41 
8 42-49 
1 50 
10 51-60 
50 61-110 
50 111-160 
30 161-190 
2 191-192 
9 193-201 
9 202-210 
1 211 
6 212-217 
4 218-221 
1 222 
1 223 
3 224-226 
1 227 

1 228 
1 229 
1 230 
1 231 

Building in Course of Construction Indicator 1 232 

Deductible  BuildingDeductible  Contents 
Elevated Building Indicator 
Obstruction Type 
Location of Contents Indicator 
Original Construction Date/SubstantialImprovement DatePost-FIRM Construction Indicator 
Elevation Difference 
Floodproofed Indicator 
Total Amount of Insurance  BuildingTotal Amount of Insurance  Contents 
Total Calculated Premium 
Endorsement Premium Amount 
Risk Rating MethodPolicy Term Indicator 
New/Rollover Indicator 
Insurance to Value Ratio Indicator 
Premium Payment Indicator 

1 233 
1 234 
1 235 
2 236-237 
1 238 

8 239-246 
1 247 
4 248-251 
1 252 
8 253-260 
8 261-268 
7 269-275 
7 276-282 
1 283 
1 284 
1 285 
1 286 
1 287 

* Data Elements that are stored only once per policy record and not 
by policy term. The Taxpayer Identification Number has been
removed from the TRRP transaction, effective May 1, 2008. 


Appendix C C-14 Revision 4 (10/1/01)
Change 12 Effective 5/1/08 


Record Layout (contd.) 

Record 
Length Position 
Elevation Certificate Indicator 1 288 
1981 Post-FIRM V Zone Certification Indicator 1 289 
Insured Last Name 25 290-314 
Insured First Name 25 315-339 
Principal Residence Indicator 1 340 
Replacement Cost 9 341-349 
Lowest Floor Elevation (LFE) 6 350-355 
Base Flood Elevation (BFE) 6 356-361 
Expense Constant 3 362-364 
Name Format Indicator 1 365 
Condominium Master Policy Units 3 366-368 
Reserved for WYO Company Use 30 369-398 
Policy Termination Date* 8 399-406 
Cancellation/Voidance Reason* 2 407-408 
Total Premium Refund* 9 409-417 
CRS Classification Credit Percentage 2 418-419 
Federal Policy Fee 3 420-422 
Federal Policy Fee  Refunded* 5 423-427 
Diagram Number 1 428 
Filler 1 429 
Lowest Adjacent Grade 6 430-435 
Elevation Certification Date 8 436-443 
Basic Building Rate WYO 5 444-447 
Additional Building Rate WYO 5 449-453 
Basic Contents Rate WYO 5 454-458 
Additional Contents Rate WYO 5 459-463 
ICC Premium WYO 3 464-466 
Probation Surcharge Amount WYO 3 467-469 
Deductible Percentage WYO 4 470-473 
Repetitive Loss Target Group Indicator 1 474 
Reserved for NFIP Use 13 475-487 
NFIP Activity Date* 8 488-495 
NFIP Policy Status Indicator* 1 496 
NFIP Basic Limit Amount of Insurance  Building 8 497-504 
NFIP Basic Limit Rate  Building 4 505-508 
NFIP Additional Limit Amount of Insurance  
Building 8 509-516 
NFIP Additional Limit Rate  Building 4 517-520 
NFIP Basic Limit Amount of Insurance  
Contents 8 521-528 
NFIP Basic Limit Rate  Contents 4 529-532 
NFIP Additional Limit Amount of Insurance  
Contents 8 533-540 
NFIP Additional Limit Rate  Contents 4 541-544 
NFIP Total Premium Refund* 9 545-553 
NFIP CRS Classification Credit Percentage 2 554-555 
NFIP Federal Policy Fee 3 556-558 
NFIP Federal Policy Fee  Refunded* 5 559-563 
NFIP Community Probation Surcharge Amount 3 564-566 
NFIP Deductible Discount Percentage 5 567-571 

*Data Elements that are stored only once per policy record and notby policy term. 

Data elements containing NFIP calculated values are provided toassist WYO companies in determining what conditions caused theerror. 

Appendix C C-15 Revision 4 (10/1/01)
Change 11 Effective 5/1/08 


Record Layout (contd.) 

Record 
Length Position 
NFIP Deductible Discount Amount 9 572-580 
NFIP Property ZIP* 9 581-589 
NFIP Expense Constant 3 590-592 
NFIP Policy Term 1 593 
NFIP ICC Premium 7 594-600 
NFIP ICC Coverage 5 601-605 
Reserved for NFIP Use 44 606-649 
Error Code 1 8 650-657 
Error Code Date 1 8 658-665 
Error Code 2 8 666-673 
Error Code Date 2 8 674-681 
Error Code 3 8 682-689 
Error Code Date 3 8 690-697 
Error Code 4 8 698-705 
Error Code Date 4 8 706-713 
Error Code 5 8 714-721 
Error Code Date 5 8 722-729 
Error Code 6 8 730-737 
Error Code Date 6 8 738-745 
Error Code 7 8 746-753 
Error Code Date 7 8 754-761 
Error Code 8 8 762-769 
Error Code Date 8 8 770-777 
Error Code 9 8 778-785 
Error Code Date 9 8 786-793 
Error Code 10 8 794-801 
Error Code Date 10 8 802-809 
Error Code 11 8 810-817 
Error Code Date 11 8 818-825 
Error Code 12 8 826-833 
Error Code Date 12 8 834-841 
Error Code 13 8 842-849 
Error Code Date 13 8 850-857 
Error Code 14 8 858-865 
Error Code Date 14 8 866-873 
Error Code 15 8 874-881 
Error Code Date 15 8 882-889 
Error Code 16 8 890-897 
Error Code Date 16 8 898-905 
Error Code 17 8 906-913 
Error Code Date 17 8 914-921 
Error Code 18 8 922-929 
Error Code Date 18 8 930-937 

* Data Elements are stored only once per policy record and notby policy term. 

Data elements containing NFIP calculated values are provided toassist WYO companies in determining what conditions caused theerror. 

Appendix C C-16 Revision 4 (10/1/01)
Change 12 Effective 5/1/08 


Record Layout (contd.) 

Record 
Length Position

 Error Code 19 8 938-945 
Error Code Date 19 8 946-953 
Error Code 20 8 954-961 
Error Code Date 20 8 962-969 
Error Code 21 8 970-977 
Error Code Date 21 8 978-985 
Error Code 22 8 986-993 
Error Code Date 22 8 994-1001 
Error Code 23 8 1002-1009 
Error Code Date 23 8 1010-1017 
Error Code 24 8 1018-1025 
Error Code Date 24 8 1026-1033 
Error Code 25 8 1034-1041 
Error Code Date 25 8 1042-1049 

Appendix C C-17 Revision 4 (10/1/01)
Change 12 Effective 5/1/08 


RECORD LAYOUT - COBOL 

Output  Policy Information and Error Extract 

FD Output  FileLabel Records are Standard 
Block Contains 32 Records 
Recording Mode is FData Record is OutputRecord 

01 Output - Record05 OP-WYO-Prefix-Code PIC X(5). 
05 OP-Policy-No* PIC X(10). 
05 OP-Pol-Effective-Date PIC 9(8). 
05 OP-Pol-Expiration-Date PIC 9(8). 
05 OP-End-Effective-Date PIC 9(8). 
05 OP-Transaction-Code PIC X(2). 
05 OP-Transaction-Date PIC 9(8). 
05 OP-Name-Desc-Info* PIC X(1). 
05 OP-Begin-Street-Number* PIC X(10). 
05 OP-Address1* PIC X(50). 
05 OP-Address2* PIC X(50). 
05 OP-City* PIC X(30). 
05 OP-State* PIC X(2). 
05 OP-ZIP* PIC X(9). 
05 OP-Case-File-Number-DA PIC X(9). 
05 OP-Disaster-Assist PIC X(1). 
05 OP-Community-Number PIC 9(6). 
05 OP-Map-Panel-Number PIC X(4). 
05 OP-Map-Panel-Suffix PIC X(1). 
05 OP-Regular-Emergency PIC X(1). 
05 OP-Flood-Risk-Zone PIC X(3). 
05 OP-Occupancy PIC X(1). 
05 OP-Building-Type PIC X(1). 
05 OP-Basement PIC X(1). 
05 OP-Condominium PIC X(1). 
05 OP-State-Own PIC X(1). 
05 OP-Course-Construction PIC X(1). 
05 OP-Deductible-Building PIC X(1). 
05 OP-Deductible-Contents PIC X(1). 
05 OP-Elevated-Building PIC X(1). 
05 OP-Obstruction PIC X(2). 
05 OP-Location-of-Contents PIC X(1). 
05 OP-Original-Construction PIC 9(8). 
05 OP-Post-Firm PIC X(1). 
05 OP-Elevation-Difference PIC S9(4). 
05 OP-Flood-Proof PIC X(1). 
05 OP-Total-Coverage-Building PIC 9(8). 
05 OP-Total-Coverage-Contents PIC 9(8). 
05 OP-Total-Calc-Premium PIC S9(7). 
05 OP-Endorsement-Premium PIC S9(7). 
05 OP-Risk-Rating-Method PIC X(1). 

*Data Elements that are stored only once per policy recordand not by policy term. The Taxpayer Identification Numberwill not be reported, effective May 1, 2008. 

Appendix C C-18 Revision 4 (10/1/01)
Change 12 Effective 5/1/08 


Record Layout (contd.) 

05 OP-Policy-Term PIC X(1). 
05 OP-New-Rollover-Ind PIC X(1). 
05 OP-Insurance-To-Value PIC X(1). 
05 OP-Premium-Pay PIC X(1). 
05 OP-Elevation-Certificate PIC X(1). 
05 OP-Post-1981-Certificate PIC X(1). 
05 OP-Insured-Last-Name PIC X(25). 
05 OP-Insured-First-Name PIC X(25). 
05 OP-Principal-Residence PIC X(1). 
05 OP-Replacement-Cost PIC X(9). 
05 OP-Low-Floor PIC S9(5)V9. 
05 OP-Base-Floor PIC S9(5)V9. 
05 OP-Expense-Constant PIC 9(3). 
05 OP-Name-Format PIC X(1). 
05 OP-Condo-Master-Units PIC 9(3). 
05 OP-WYO-Cmpy-Use PIC X(30). 
05 OP-Termination-Date PIC 9(8). 
05 OP-Cancel-Reason PIC X(2). 
05 OP-Total-Refund PIC S9(7)V99. 
05 OP-CRS-Class-Perc PIC 9(2). 
05 OP-Federal-Policy-Fee PIC S9(3). 
05 OP-Federal-Policy-Fee-Refund PIC S9(3)V99. 
05 OP-Diagram-Number PIC X(1). 
05 Filler PIC X(1). 
05 OP-Lowest-Adjacent-Grade PIC S9(5)V9. 
05 OP-Elev-Certification-Date PIC 9(8). 
05 OP-Base-Building-Rate-WYO PIC 9(2)V999. 
05 OP-Additional-Building-Rate-WYO PIC 9(2)V999. 
05 OP-Base-Contents-Rate-WYO PIC 9(2)V999. 
05 OP-Additional-Contents-Rate-WYO PIC 9(2)V999. 
05 OP-ICC-Premium-Rate-WYO PIC 9(3). 
05 OP-Probation-Amount-WYO PIC 9(3). 
05 OP-Deductible-Percentage-WYO PIC S9V999. 
05 OP-Repetitive-Loss-Ind PIC X(1). 
05 Filler PIC X(13). 
05 OP-NFIP-Activity-Date* PIC 9(8). 
05 OP-NFIP-Policy-Status* PIC X(1). 
05 OP-NFIP-Basic-Cov-Building PIC 9(8). 
05 OP-NFIP-Basic-Rate-Building PIC 9(2)V99. 
05 OP-NFIP-Add-Cov-Building PIC 9(8). 
05 OP-NFIP-Add-Rate-Building PIC 9(2)V99. 
05 OP-NFIP-Basic-Cov-Contents PIC 9(8). 
05 OP-NFIP-Basic-Rate-Contents PIC 9(2)V99. 
05 OP-NFIP-Add-Cov-Contents PIC 9(8). 
05 OP-NFIP-Add-Rate-Contents PIC 9(2)V99. 
05 OP-NFIP-Total-Refund* PIC S9(7)V99. 
05 OP-NFIP-CRS-Class-Perc PIC 9(2). 
05 OP-NFIP-Policy-Service-Fee* PIC S9(3). 
05 OP-NFIP-Policy-Service-Fee-Refund* PIC S9(3)V99. 
05 OP-NFIP-Comm-Prob-Surcharge PIC 9(3). 
05 OP-NFIP-DED-Discount-Perc PIC 9(2)V999. 
05 OP-NFIP-DED-Discount-Amt PIC 9(9). 
05 OP-NFIP-Property-ZIP* PIC X(9). 
05 OP-NFIP-Expense-Constant PIC 9(3). 
05 OP-NFIP-Policy-Term PIC X(1). 
05 OP-NFIP-ICC-Premium PIC 9(07). 
05 OP-NFIP-ICC-Coverage PIC 9(05). 

*Data Elements that are stored only once per policy record

and not by policy term. 

Appendix C C-19 Revision 4 (10/1/01)
Change 7 Effective 5/1/05 


Record Layout (contd.) 

05 Filler PIC X(44). 
05 OP-Error-Codes-Out. 

 10 Error-CDEX Occurs 25 Times 
15 Error-Code PIC X(8). 
15 Error-Date PIC 9(8). 

Appendix C C-20 Revision 4 (10/1/01)
Change 12 Effective 5/1/08