U.S. Department of Homeland Security
500 C Street, SW
Washington, DC 20472
February 28, 2011
Dear NFIP Flood Insurance Manual Subscribers:
In our continued efforts to improve the National Flood Insurance Program (NFIP), it is my goal to ensure
that you have up-to-date information so you can help your clients secure flood insurance protection that
meets their individual needs. I am pleased to provide you with the latest edition of the NFIP Flood
Insurance Manual.
This edition includes program changes that become effective May 1, 2011. All pages reflect the new
date, and change bars identify revisions. Subscriptions to this edition will cover semiannual updates
through October 2013.
The May 2011 edition features a redesigned format. It also incorporates updated language throughout to
enhance clarity and remove obsolete references. Significant changes include the following:
? Removes references to "estimated" Base Flood Elevation in Unnumbered A Zones (all sections).
? Details eligibility requirements for buildings over water (GR Section).
? Clarifies instructions for calculating the policy effective date (GR Section).
? Describes documentation requirements for transferring business (GR Section).
? Provides illustrated, step-by-step instructions for completing the Flood Insurance Application
and Preferred Risk Policy Application (APP and PRP Sections).
? Clarifies instructions throughout the building drawings (LFG Section).
? Specifies when the garage floor may be excluded for rating for a single-family dwelling in an
A Zone (LFG Section).
? Updates the listing of Coastal Barrier Resource Areas and Otherwise Protected Areas
(CBRS Section).
? Updates the Community Rating System Eligible Communities list (CRS Section).
Thank you for your continued support of the NFIP.
Sincerely,
Edward L. Connor
Acting Federal Insurance Administrator
National Flood Insurance Program
Enclosure
www.fema.gov
NfIP flood INSuraNCe MaNual
Table of CoNTeNTS
section PaGe
refereNCe ref 1
I. INTRODUCTION TO THE NATIONAL FLOOD INSURANCE PROGRAM . . . . . . . . . . . . . . . . . . . . REF 1
II. THE WRITE YOUR OWN PROGRAM . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . REF 1
III. TECHNICAL ASSISTANCE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . REF 1
A. WYO Companies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . REF 2
B. NFIP Servicing Agent (NFIP Direct) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . REF 2
C. Special Direct Facility. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . REF 2
IV. CONTACT INFORMATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . REF 2
A. NFIP Servicing Agent Contact Information for NFIP Direct Program Agents . . . . . . . . . . . REF 2
B. NFIP General Contact Information for All NFIP Stakeholders . . . . . . . . . . . . . . . . . . . . . REF 3
C. National Flood Insurance Program Bureau and Statistical Agent Regional Offices . . . . . . REF 4
PAPERWORK BURDEN DISCLOSURE NOTICE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . REF 6
GeNeral ruleS Gr 1
I. COMMUNITY ELIGIBILITY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 1
A. Participating (Eligible) Communities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 1
B. Emergency Program. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 1
C. Regular Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 1
D. Maps . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 1
E. Probation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 1
F. Suspension. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 1
G. Non-Participating (Ineligible) Communities. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 1
H. Coastal Barrier Resources Act . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 1
I. Federal Land . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 1
II. POLICIES AND PRODUCTS AVAILABLE. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 1
A. Standard Flood Insurance Policy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 1
B. Insurance Products . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 3
III. BUILDING PROPERTY ELIGIBILITY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 3
A. Eligible Buildings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 3
B. Single Building . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 5
C. Walls . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 5
D. Determination of Building Occupancy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 5
IV. CONTENTS ELIGIBILITY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 6
A. Eligible Contents . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 6
B. Vehicles and Equipment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 6
C. Silos, Grain Storage Buildings, and Cisterns . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 6
D. Commercial Contents Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 6
V. EXAMPLES OF ELIGIBLE RISKS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 6
A. Building Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 6
B. Contents Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 6
C. Condominiums . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 6
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VI. INELIGIBLE PROPERTY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 6
A. Buildings. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 6
B. Container-Type Buildings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 7
C. Buildings Entirely Over Water . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 7
D. Buildings Partially Underground . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 7
E. Basement/Elevated Building Enclosures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 7
VII. EXAMPLES OF INELIGIBLE RISKS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 7
A. Building Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 7
B. Contents Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 7
C. Non-Residential Condominium Unit. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 8
VIII. POLICY EFFECTIVE DATE. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 8
A. Receipt Date (in the determination of the effective date) . . . . . . . . . . . . . . . . . . . . . . . . GR 8
B. Presentment of Premium Date Requirements for Loan Closing . . . . . . . . . . . . . . . . . . . . GR 8
C. Effective Date . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 8
IX. COVERAGE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 11
A. Limits of Coverage. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 11
B. Deductibles. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 11
C. Coverage D - Increased Cost of Compliance (ICC) Coverage. . . . . . . . . . . . . . . . . . . . . . GR 11
D. Reduction of Coverage Limits or Reformation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 12
E. Loss Assessments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 12
F. Improvements and Betterments and Tenant's Coverage. . . . . . . . . . . . . . . . . . . . . . . . . GR 13
X. SPECIAL RATING SITUATIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 13
A. Tentative Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 13
B. Submit-for-Rate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 13
C. Provisional Rates. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 13
D. Buildings in More Than One Flood Zone/BFE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 14
E. Different BFEs Reported . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 14
F. Flood Zone Discrepancies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 14
XI. MISCELLANEOUS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 14
A. Policy Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 14
B. Application Submission . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 14
C. Delivery of the Policy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 14
D. Evidence of Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 14
E. Assignment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 14
F. Transfer of Business . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 15
G. Agents'/Producers' Commissions (Direct Business Only) . . . . . . . . . . . . . . . . . . . . . . . . GR 15
H. Contract Agent Rule. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . GR 15
aPPlICaTIoN aPP 1
I. USE OF THE FORM. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APP 1
II. COMPLETING PART 1 OF THE FLOOD INSURANCE APPLICATION FORM . . . . . . . . . . . . . . . . . APP 1
A. Policy Status . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APP 1
B. Policy Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APP 1
C. Agent Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APP 1
D. Insured Mailing Address. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APP 1
E. Disaster Assistance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APP 1
F. Property Location . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APP 2
G. Mortgagee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APP 2
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H. Second Mortgagee/Other. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APP 2
I. Community . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APP 2
J. Building. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APP 3
K. Contents. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APP 5
L. Construction Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APP 5
M. Coverage and Rating . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APP 7
N. Signature . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APP 8
III. COMPLETING PART 2 OF THE FLOOD INSURANCE APPLICATION FORM . . . . . . . . . . . . . . . . . APP 8
A. Section I - All Building Types . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APP 8
B. Section II - Elevated Buildings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APP 9
C. Section III - Manufactured (Mobile) Homes/Travel Trailers . . . . . . . . . . . . . . . . . . . . . . . APP 10
IV. SCHEDULED BUILDING POLICY. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APP 10
V. MAILING INSTRUCTIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APP 10
VI. HANDLING OF INCOMPLETE OR INCORRECT APPLICATIONS . . . . . . . . . . . . . . . . . . . . . . . . . APP 11
raTING raTe 1
I. AMOUNT OF INSURANCE AVAILABLE. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 1
II. RATE TABLES. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 1
III. DEDUCTIBLES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 12
A. Deductible Buyback . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 12
B. Changes in Deductible Amount. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 12
IV. INCREASED COST OF COMPLIANCE (ICC) COVERAGE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 14
V. RATING STEPS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 15
VI. PREMIUM CALCULATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 16
A. Emergency Program. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 16
B. Regular Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 16
VII. KEY POINTS FOR RATING . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 16
A. Basic Limits and Additional Limits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 16
B. Whole Dollars . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 16
C. Increased Cost of Compliance (ICC) Premium . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 16
D. Federal Policy Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 16
E. Buildings in More Than One Flood Zone/BFE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 16
F. Different BFEs Reported . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 17
G. Flood Zone Discrepancies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 17
H. Mortgagee on Policy - Higher Deductible Requested . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 17
VIII. REGULAR PROGRAM, POST-FIRM ELEVATION-RATED RISKS . . . . . . . . . . . . . . . . . . . . . . . . . RATE 17
A. Elevation Difference. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 17
B. Examples . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 17
C. Optional Elevation Rating . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 18
IX. PRE-FIRM ELEVATED BUILDING RATED WITH PRE-FIRM RATES . . . . . . . . . . . . . . . . . . . . . . . RATE 18
X. AR ZONE AND AR DUAL ZONE RATING. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 18
XI. POST-FIRM AO ZONE RATING . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 18
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raTING (continued)
XII. POST-FIRM RATING OF ELEVATED BUILDINGS IN ZONES B, C, X, A99, AND D . . . . . . . . . . . . RATE 19
XIII. REGULAR PROGRAM V-ZONE POST-FIRM CONSTRUCTION . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 19
A. Rating All V-Zone Buildings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 19
B. Zones VE and V1-V30 - Enclosure Containing Machinery or Equipment Below BFE . . . . RATE 19
C. 1975-'81 Post-FIRM V-Zone Construction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 19
D. 1981 Post-FIRM V-Zone Construction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 19
E. Elevated Buildings - Post-FIRM V-Zone Construction . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 19
XIV. SPECIAL RATING SITUATIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 20
A. Tentative Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 20
B. Alternative Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 20
C. Special Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 21
D. NFIP "Grandfather" Rules - Effect of Map Revisions on Flood Insurance Rates . . . . . . . . RATE 21
E. Post-'81 V-Zone Optional Rating . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 23
F. Policies Requiring Re-Rating . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 23
G. Submit-for-Rate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 24
H. Crawlspace . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 25
XV. CONTENTS LOCATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 26
A. Single-Family Dwellings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 26
B. Multi-Family and Non-Residential Buildings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 26
XVI. FIRMS WITH WAVE HEIGHTS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 29
A. Procedure for Calculating Wave Height Adjustment . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 29
B. Wave Heights in Numbered Zones V1-V30 and VE 1981 Post-FIRM Construction . . . . . . RATE 29
C. Unnumbered V Zones 1981 Post-FIRM Construction . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 29
D. Rate Selection Procedure. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 30
XVII. FLOODPROOFED BUILDINGS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 30
A. Elevation Difference. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 30
B. Rating. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 30
XVIII.THE V-ZONE RISK FACTOR RATING FORM . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 31
A. Use. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 31
B. Submission. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 31
XIX. RATING EXAMPLES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 47
CoNdoMINIuMS CoNdo 1
Important Notice to Agents/Producers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 1
I. METHODS OF INSURING CONDOMINIUMS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 1
A. Residential Condominium: Association Coverage on Building and Contents. . . . . . . . . . . CONDO 1
B. Residential Condominium: Unit Owner's Coverage on Building and Contents . . . . . . . . . . CONDO 1
C. Non-Residential (Commercial) Condominium: Building and Contents . . . . . . . . . . . . . . . . CONDO 1
D. Non-residential (Commercial) Condominium: Unit Owner's Coverage (Contents) . . . . . . . . CONDO 1
II. RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION (RCBAP) FORM . . . . . . . . . . . . . . . . . CONDO 5
III. ELIGIBILITY REQUIREMENTS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 5
A. General Building Eligibility . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 5
B. Condominium Building in the Course of Construction. . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 5
IV. COVERAGE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 6
A. Property Covered. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 6
B. Coverage Limits. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 6
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C. Replacement Cost . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 6
D. Coinsurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 6
E. Assessment Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 6
V. DEDUCTIBLES AND FEES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 7
A. Deductibles. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 7
B. Federal Policy Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 7
VI. TENTATIVE RATES AND SCHEDULED BUILDINGS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 7
VII. COMMISSIONS (DIRECT BUSINESS ONLY). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 7
VIII. CANCELLATION OR ENDORSEMENT OF UNIT OWNERS' DWELLING POLICIES. . . . . . . . . . . . . CONDO 7
IX. APPLICATION FORM . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 7
A. Type of Building . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 7
B. Replacement Cost Value . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 8
C. Coverage. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 8
D. Rates and Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 8
X. CONDOMINIUM RATING EXAMPLES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 23
loWeST floor GuIde lfG 1
I. LOWEST FLOOR DETERMINATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFG 1
A. Non-Elevated Buildings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFG 1
B. Elevated Buildings in A Zones. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFG 1
II. USE OF ELEVATION CERTIFICATE. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFG 3
A. Mandatory Use of Elevation Certificate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFG 3
B. Optional Rating Using the Elevation Certificate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFG 3
C. Guidelines for Determining the Conversion from NGVD 1929 to NAVD 1988 . . . . . . . . . . LFG 3
III. SPECIFIC BUILDING DRAWINGS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFG 9
SPeCIal CerTIfICaTIoNS CerT 1
I. NFIP ELEVATION CERTIFICATE. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CERT 1
II. PHOTOGRAPH REQUIREMENTS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CERT 1
III. USING THE ELEVATION CERTIFICATE: SPECIAL CONSIDERATIONS . . . . . . . . . . . . . . . . . . . . . CERT 2
A. Section A - Property Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CERT 2
B. Section B - Flood Insurance Rate Map (FIRM) Information . . . . . . . . . . . . . . . . . . . . . . . CERT 2
C. Section C - Building Elevation Information (Survey Required) . . . . . . . . . . . . . . . . . . . . . CERT 2
D. Section D - Surveyor, Engineer, or Architect Certification . . . . . . . . . . . . . . . . . . . . . . . . CERT 3
E. Section E - Building Elevation Information (Survey Not Required)
for Zone AO and Zone A (Without BFE) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CERT 3
F. Section F - Property Owner (or Owner's Representative) Certification . . . . . . . . . . . . . . . CERT 3
G. Section G - Community Information (Optional). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CERT 3
IV. FLOODPROOFING CERTIFICATE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CERT 3
A. Purpose and Eligibility . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CERT 3
B. Specifications . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CERT 3
C. Rating. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CERT 3
D. Certification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CERT 4
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Preferred rISK PolICY PrP 1
I. GENERAL DESCRIPTION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 1
II. ELIGIBILITY REQUIREMENTS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 1
A. Flood Zone . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 1
B. Occupancy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 1
C. Loss History . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 1
III. INELIGIBILITY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 2
IV. DOCUMENTATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 2
V. RENEWAL . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 2
VI. COVERAGE LIMITATIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 2
VII. REPLACEMENT COST COVERAGE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 2
VIII. DISCOUNTS/FEES/ICC PREMIUM . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 2
IX. DEDUCTIBLES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 3
X. ENDORSEMENTS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 3
XI. CONVERSION OF STANDARD-RATED POLICY TO PRP DUE TO MISRATING . . . . . . . . . . . . . . . PRP 3
XII. CONVERSION OF STANDARD-RATED POLICY TO PRP DUE TO THE
2-YEAR PRP ELIGIBILITY EXTENSION. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 3
XIII. CONVERSION OF STANDARD-RATED POLICY TO PRP DUE TO
MAP REVISION, LOMA, OR LOMR . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 3
XIV. CONVERSION OF PRP TO STANDARD-RATED POLICY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 7
XV. COMPLETING THE FLOOD INSURANCE PREFERRED RISK POLICY APPLICATION . . . . . . . . . . . PRP 7
A. Policy Status . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 7
B. Policy Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 7
C. Agent Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 7
D. Insured's Mailing Address . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 7
E. Disaster Assistance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 7
F. First Mortgagee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 8
G. Second Mortgagee or Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 8
H. Property Location . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 8
I. Community . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 8
J. Building . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 9
K. Notice - Building Eligibility . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 11
L. Premium . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 11
M. Signature . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 11
MorTGaGe PorTfolIo ProTeCTIoN ProGraM MPPP 1
I. BACKGROUND. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MPPP 1
II. REQUIREMENTS FOR PARTICIPATING IN THE MPPP . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MPPP 1
A. General. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MPPP 1
B. WYO Arrangement Article III - Fees. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MPPP 2
C. Use of WYO Company Fees for Lenders/Servicers or Others . . . . . . . . . . . . . . . . . . . . . MPPP 2
D. Notification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MPPP 2
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E. Eligibility . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MPPP 2
F. Source of Offering . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MPPP 2
G. Dual Interest . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MPPP 2
H. Term of Policy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MPPP 2
I. Coverage Offered. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MPPP 3
J. Policy Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MPPP 3
K. Waiting Period . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MPPP 3
L. Premium Payment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MPPP 3
M. Underwriting - Application . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MPPP 3
N. Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MPPP 3
O. Policy Declarations Page Notification Requirements. . . . . . . . . . . . . . . . . . . . . . . . . . . . MPPP 3
P. Policy Reformation - Policy Correction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MPPP 4
Q. Coverage Basis - Actual Cash Value or Replacement Cost . . . . . . . . . . . . . . . . . . . . . . MPPP 4
R. Deductible . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MPPP 4
S. Federal Policy Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MPPP 4
T. Renewability . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MPPP 4
U. Cancellations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MPPP 4
V. Endorsement. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MPPP 4
W. Assignment to a Third Party . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MPPP 4
X. Article XIII - Restriction on Other Flood Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MPPP 4
GeNeral CHaNGe eNdorSeMeNT eNd 1
I. ENDORSEMENT RULES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . END 1
A. Coverage Endorsements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . END 1
B. Rating Endorsements. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . END 1
C. Misrated Policy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . END 2
D. Conversion of Standard-Rated Policy to PRP Due to Misrating or Map Revision . . . . . . . . END 2
E. Changing Deductibles . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . END 2
F. Correcting Property Address. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . END 2
II. ENDORSEMENT PROCESSING PRIOR TO POLICY RENEWAL (NFIP DIRECT BUSINESS ONLY) . . END 2
A. During the Last 90 Days of Policy Term. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . END 2
B. During the Last 75 Days of Policy Term. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . END 3
C. Refunds Generated from Endorsement Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . END 3
III. PREPARATION OF FORM. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . END 3
A. General Instructions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . END 3
B. Refund Processing Procedures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . END 3
IV. ENDORSEMENT RATING EXAMPLES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . END 5
PolICY reNeWalS reN 1
I. GENERAL INFORMATION. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . REN 1
II. RENEWAL NOTICE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . REN 1
A. Renewing for the Same Coverage - Option A . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . REN 1
B. Inflation Factor - Option B . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . REN 1
C. Nonrenewal and Cancellation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . REN 1
III. PREMIUM PAYMENT DUE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . REN 1
IV. FINAL NOTICE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . REN 2
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V. RENEWAL EFFECTIVE DATE DETERMINATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . REN 2
VI. INSUFFICIENT RENEWAL INFORMATION. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . REN 2
VII. ENDORSEMENTS DURING RENEWAL CYCLE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . REN 2
VIII. SEVERE REPETITIVE LOSS PROPERTIES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . REN 2
IX. TRANSFER OF BUSINESS AT RENEWAL . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . REN 2
CaNCellaTIoN/NullIfICaTIoN CN 1
I. PROCEDURES AND VALID REASONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CN 1
A. Refund Processing Procedures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CN 1
B. Valid Reason Codes for Cancellation/Nullification of NFIP Policies . . . . . . . . . . . . . . . . . CN 1
II. COMPLETING THE CANCELLATION/NULLIFICATION REQUEST FORM . . . . . . . . . . . . . . . . . . . CN 7
A. Current Policy Number . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CN 7
B. Policy Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CN 7
C. Agent Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CN 7
D. Insured Mailing Address. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CN 7
E. First Mortgagee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CN 7
F. Other Parties Notified . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CN 7
G. Property Location . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CN 7
H. Cancellation Reason Code . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CN 7
I. Refund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CN 7
J. Signature . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CN 7
ClaIMS Cl 1
I. INSURED'S RESPONSIBILITIES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CL 1
A. Filing a Claim. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CL 1
B. Appealing a Claim . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CL 1
II. AGENT'S/PRODUCER'S RESPONSIBILITIES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CL 3
III. SINGLE ADJUSTER PROGRAM IMPLEMENTATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CL 3
A. Schedule and Notification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CL 3
B. Training. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CL 4
C. Agent/Producer Responsibilities. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CL 4
IV. INCREASED COST OF COMPLIANCE (ICC) CLAIMS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CL 4
PolICY Pol 1
DWELLING FORM. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . POL 3
GENERAL PROPERTY FORM . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . POL 25
RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY . . . . . . . . . . . . . . . . . . . . . . . . . . POL 45
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flood MaPS MaP 1
I. OVERVIEW . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MAP 1
A. Types of Flood Maps . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MAP 1
B. Map Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MAP 1
C. Communities with Unpublished Maps . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MAP 1
D. Unmapped Areas in Communities with Maps. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MAP 1
II. MAP ZONES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MAP 1
A. Special Flood Hazard Areas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MAP 1
B. Moderate, Minimal Hazard Areas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MAP 2
III. LOCATING A SPECIFIC PROPERTY ON A MAP . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MAP 2
IV. CHANGING OR CORRECTING A FLOOD MAP. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MAP 2
A. Letter of Map Amendment (LOMA) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MAP 2
B. Letter of Map Revision (LOMR) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MAP 3
C. Physical Map Revision . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MAP 3
V. ORDERING FLOOD MAPS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MAP 3
A. Ordering Instructions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MAP 3
B. Prices . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MAP 3
C. Map Revisions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MAP 4
ProVISIoNal raTING Pr 1
I. GENERAL DESCRIPTION. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PR 1
II. ELIGIBILITY REQUIREMENTS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PR 1
III. REFORMATION. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PR 1
A. Limitations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PR 1
B. Endorsement Procedure. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PR 1
C. Endorsement Alternative . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PR 1
IV. NOTIFICATION REQUIREMENTS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PR 1
V. COMPLETING THE PROVISIONAL RATING QUESTIONNAIRE . . . . . . . . . . . . . . . . . . . . . . . . . . PR 1
A. General Directions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PR 1
B. Guidance for Determining Building Elevated on Fill. . . . . . . . . . . . . . . . . . . . . . . . . . . . . PR 2
VI. PROVISIONAL RATING EXAMPLE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PR 4
CoaSTal barrIer reSourCeS SYSTeM CbrS 1
LIST OF COMMUNITIES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CBRS 3
CoMMuNITY raTING SYSTeM CrS 1
I. GENERAL DESCRIPTION. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRS 1
II. ELIGIBILITY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRS 1
III. CLASSIFICATIONS AND DISCOUNTS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRS 1
IV. CRS ACTIVITIES THAT CAN DIRECTLY BENEFIT INSURANCE AGENTS/PRODUCERS. . . . . . . . . CRS 1
ELIGIBLE COMMUNITIES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRS 3
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GuIdaNCe for SeVere rePeTITIVe loSS ProPerTIeS Srl 1
I. GENERAL DESCRIPTION. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . SRL 1
II. NOTIFICATION REQUIREMENTS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . SRL 1
III. DISPUTE RESOLUTION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . SRL 1
IV. SEVERE REPETITIVE LOSS PILOT GRANT PROGRAM . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . SRL 2
GuIdaNCe for leaSed federal ProPerTIeS lfP 1
I. GENERAL DESCRIPTION. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFP 1
II. NOTIFICATION REQUIREMENTS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFP 1
III. TENTATIVE RATES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFP 1
IV. APPEALS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFP 1
defINITIoNS def 1
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refereNCe
NFIP Servicing Agent Contact Information for NFIP Direct Program Agents . . . . . . . . . . . . . . . . . REF 2
NFIP General Contact Information for All NFIP Stakeholders . . . . . . . . . . . . . . . . . . . . . . . . . . . REF 3
National Flood Insurance Program Bureau and Statistical Agent Regional Offices . . . . . . . . . . . . REF 4
GeNeral ruleS
Matching Standard Flood Insurance Policy Forms with Specific Risks . . . . . . . . . . . . . . . . . . . . . GR 2
raTING
Amount of Insurance Available . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 1
Table 1. Emergency Program Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 1
Table 2. Regular Program - Pre-FIRM Construction Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 2
Table 3. Regular Program - Post-FIRM Construction Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 3
Table 4. Regular Program - FIRM Zone AR and AR Dual Zones . . . . . . . . . . . . . . . . . . . . . . . . RATE 9
Table 5. Regular Program - Pre-FIRM and Post-FIRM Elevation-Rated Rates . . . . . . . . . . . . . . . RATE 10
Table 6. Tentative Rates Table . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 11
Table 7. Federal Policy Fee and Probation Surcharge Table . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 12
Table 8A. Standard Deductibles . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 12
Table 8B. Deductible Factors . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 13
Table 9. Standard Flood Insurance Policy Increased Cost of Compliance (ICC)
Coverage Premiums . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 14
Table 10. V-Zone Risk Rating Relativities Table . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 31
CoNdoMINIuMS
Table 1. Condominium Underwriting Guidelines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 2
Table 2. Condominium Rating Chart . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 3
Table 3. RCBAP High-Rise Condominium Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 10
Table 4. RCBAP Low-Rise Condominium Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 14
Table 5. RCBAP High-Rise and Low-Rise Condominium Rates . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 19
Table 6. RCBAP High-Rise and Low-Rise Condominium Rates
Increased Cost of Compliance (ICC) Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 21
Table 7. RCBAP Deductible Factors - All Zones . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 22
SPeCIal CerTIfICaTIoNS
Approved Communities for Residential Basement Floodproofing Rating Credit . . . . . . . . . . . . . . CERT 4
Preferred rISK PolICY
The PRP at a Glance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 1
Preferred Risk Policy Condominium Rating Chart . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 4
PRP Coverage Limits Available Effective January 1, 2011 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 5
MorTGaGe PorTfolIo ProTeCTIoN ProGraM
Mortgage Portfolio Protection Program Rate
and Increased Cost of Compliance (ICC) Table . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MPPP 1
PolICY reNeWalS
Summary of Policy Notices . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . REN 3
CaNCellaTIoN/NullIfICaTIoN
Processing Outcomes for Cancellation/Nullification of a Flood Insurance Policy . . . . . . . . . . . . . CN 8
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CoaSTal barrIer reSourCeS SYSTeM
List of Communities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CBRS 3
CoMMuNITY raTING SYSTeM
Table 1. CRS Premium Discounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRS 2
Table 2. Community Rating System Eligible Communities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRS 3
GuIdaNCe for leaSed federal ProPerTIeS
Table 1. Tentative Rates Table . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFP 2
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aPPlICaTIoN
Flood Insurance Application, Part 1 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APP 13
Flood Insurance Application, Part 2 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APP 14
raTING
Contents Location in Non-elevated Buildings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 26
Contents Location in Elevated Buildings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 28
V-Zone Risk Factor Rating Form and Instructions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 33
CoNdoMINIuM
Sample RCV Notification Letter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 9
loWeST floor GuIde
Lowest Floor Guide for Zones A, AE, A1-A30, AH, AR, AR Dual . . . . . . . . . . . . . . . . . . . . . . . . . . LFG 5
Lowest Floor Guide for Zones AO and A (without BFE) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFG 5
Lowest Floor Guide for Zones V, VE, V1-V30 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFG 7
SPeCIal CerTIfICaTIoNS
Residential Basement Floodproofing Certificate. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CERT 7
Floodproofing Certificate for Non-residential Structures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CERT 9
Elevation Certificate and Instructions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CERT 11
Preferred rISK PolICY
Flood Insurance Preferred Risk Policy Application . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PRP 13
GeNeral CHaNGe eNdorSeMeNT
Flood Insurance General Change Endorsement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . END 13
PolICY reNeWalS
Renewal Notice . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . REN 4
Final Notice . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . REN 6
Credit Card Payment Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . REN 8
CaNCellaTIoN/NullIfICaTIoN
Flood Insurance Cancellation/Nullification Request Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CN 9
flood MaPS
Map Service Center Order Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MAP 5
Example of Flood Insurance Rate Map (FIRM) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MAP 7
Sample Flood Hazard Boundary Map (FHBM) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MAP 8
ProVISIoNal raTING
Provisional Rating Questionnaire . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PR 3
Sample Notice to Accompany Provisionally Rated Policies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . PR 5
GuIdaNCe for SeVere rePeTITIVe loSS ProPerTIeS
Agent SDF Notification Letter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . SRL 3
Lender SDF Notification Letter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . SRL 5
Policyholder SDF Notification Letter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . SRL 7
Premium Increase Notification Letter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . SRL 9
xiii May 1, 2011
lIST of IlluSTraTIoNS (continued)
section PaGe
GuIdaNCe for SeVere rePeTITIVe loSS ProPerTIeS (continued)
Renewal Billing Letter Within Appeal Period . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . SRL 11
Renewal Billing Letter After Appeal Period . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . SRL 12
Renewal Billing Letter After Additional Loss . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . SRL 13
GuIdaNCe for leaSed federal ProPerTIeS
Sample Policyholder Notification Letter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFP 3
Sample Agent Notification Letter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFP 4
Sample Lender Notification Letter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFP 5
xiv May 1, 2011
refereNCe
I INTroduCTIoN To THe NaTIoNal flood
INSuraNCe ProGraM
The National Flood Insurance Program (NFIP) was
established by the National Flood Insurance Act
of 1968. The Act was in response to Congress
finding that:
? Flooding disasters required unforeseen disaster
relief and placed an increased burden on the
nation's resources.
? The installation of flood preventive and protective
measures and other public programs designed to
reduce losses caused by flood damage had not been
sufficient to adequately protect against the growing
exposure to flood losses as a matter of national
policy. A reasonable method of slowing the risk of
flood losses would be through a program of flood
insurance that could compliment and encourage
preventive and protective measures.
? Many factors made it uneconomical for private
insurance industry carriers to make flood insurance
available to those in need of such protection on
reasonable terms and conditions.
? A program of flood insurance with large-scale
participation of the Federal Government and the
maximum extent practicable by the private industry
was feasible and could be initiated.
Congress stated that the purpose in passing the Act
was to:
? Authorize a flood insurance program that, over time,
could be made available across the country through
the cooperative effort of the Federal Government
and the private insurance industry.
? Provide flexibility in the program so that such flood
insurance would be based on workable methods
of pooling risks, minimizing costs, and distributing
burdens equitably among the general public and
those who would be protected by flood insurance.
? Encourage state and local governments to use wisely
the lands under their jurisdiction by considering the
hazards of flood when rendering decisions on the
future use of such land in order to minimize damage.
From1968 until 1979, theNFIPwas administered by the
U.S. Department of Housing and Urban Development.
When the Federal Emergency Management Agency
(FEMA) was established in 1979, administration of
the NFIP was transferred to that agency. In March
2003, FEMA became part of the newly created U.S.
Department of Homeland Security.
The NFIP is a program in which communities formally
agree, as evidenced by their adoption of codes and
ordinances, to regulate the use of their floodprone
lands. In return, FEMAmakes flood insurance coverage
available on buildings and their contents throughout
the community. FEMA has traditionally identified
these flood hazard areas on maps that are provided
to communities for carrying out their responsibilities.
The maps are also used by insurance agents/
producers to determine rates and by lenders to
determine purchase requirements.
II THe WrITe Your oWN ProGraM
The Write Your Own (WYO) Program, begun in 1983,
is a cooperative arrangement between FEMA and the
private insurance industry. The WYO Program operates
within the context of the NFIP and is subject to its rules
and regulations. WYO allows participating property
and casualty insurance companies to write and
service Federal flood insurance in their own names.
The companies receive an expense allowance for
policies written and claims processed while the Federal
Government retains responsibility for underwriting
losses. Individual WYO Companies may, to the extent
possible, and consistent with Program rules and
regulations, match their flood business to their normal
business practices for other lines of insurance. Many
agents/producers have elected to move or place their
flood policies with 1 or more of the WYO Companies
they represent.
In brief, the agent/producer has these options:
? Place all business with 1 or more WYO Companies;
? Place business with both the NFIP directly and with 1
or more WYO Companies; or
? Place all flood insurance directly with the NFIP
(referred to as "NFIP Direct business").
The goals of the Program are to increase the
policy base, improve services, and involve the
insurance companies.
III TeCHNICal aSSISTaNCe
In order to provide the most efficient service to
policyholders, follow these procedures when requesting
technical assistance in connection with the sale and
servicing of Standard Flood Insurance Policies. It is
essential that all parties - WYO Companies, the NFIP
Bureau and Statistical Agent (NFIP Bureau), the NFIP
Servicing Agent, insurance agents/producers, and
adjusters - comply.
ref 1 May 1, 2011
a WYo Companies
Agents/producers and adjusters servicing flood
insurance business through a WYO Company should
direct questions and requests for technical assistance
to the company itself. If the WYO Company needs
technical assistance, it will contact its NFIP Bureau
business consultant. If the business consultant, with
the assistance of technical experts, cannot provide
the needed assistance, the NFIP Bureau will direct the
inquiry to FEMA for an answer.
b NfIP Servicing agent (NfIP direct)
Agents/producers and adjusters servicing flood
insurance business through the NFIP Servicing
IV CoNTaCT INforMaTIoN
Agent should contact the NFIP Servicing Agent for
the answer to technical questions or the resolution
of technical problems connected with the NFIP. If
the NFIP Servicing Agent cannot provide the needed
assistance, it will contact FEMA for an answer.
C Special direct facility
Agents/producers and adjusters servicing flood
insurance policies identified as Severe Repetitive
Loss (SRL) properties should contact the Special
Direct Facility established by the NFIP Servicing Agent
for technical assistance. See the Severe Repetitive
Loss section of this manual for more information.
a NfIP Servicing agent Contact Information for NfIP direct Program agents
The contact information below is for use only by agents/producers who write with the NFIP Direct Program - the
NFIP Servicing Agent.
Agents/producers who write with the NFIP WYO Program must submit materials and questions to their respective
WYO Companies.
CORRESPONDENCE TYPE MAILING ADDRESS TELEPHONE & FAX NUMBERS*
? Applications
(not Submit-for-Rate)
NFIP Servicing Agent
P.O. Box 29138
Shawnee Mission, KS 66201-9138
Phone 1-800-638-6620
Fax 1-800-742-3148
? Endorsements
? Cancellations
NFIP Servicing Agent
P.O. Box 2992
Shawnee Mission, KS 66201-1392
Phone 1-800-638-6620
Fax 1-800-742-3148
? Submit-for-Rate Applications
(see the Rating section)
? Underpayment Letters
? Underwriting Inquiries and Issues
? All Other Inquiries
NFIP Servicing Agent
P.O. Box 2965
Shawnee Mission, KS 66201-1365
Phone 1-800-638-6620
Fax 1-800-742-3148
? Severe Repetitive Loss (SRL) Properties NFIP Special Direct Facility
P.O. Box 29524
Shawnee Mission, KS 66201-5524
Phone 1-800-638-6620
Fax 1-800-742-3148
? Renewal Notices
(with premium payments)
? Expiration Notices
(with premium payments)
National Flood Insurance Program
P.O. Box 70936
Charlotte, NC 28272-0936
Phone 1-800-638-6620
Fax 1-800-742-3148
? Notices of Loss
? Written Claims Inquiries
? All Other Claims Correspondence
NFIP Servicing Agent
P.O. Box 2966
Shawnee Mission, KS 66201-1366
Phone 1-800-767-4341
Fax 1-800-767-5574
? Overnight Express Deliveries
? Certified Mail
NFIP Servicing Agent
c/o CSC Covansys
13401 W. 98th St.
Lenexa, KS 66215
N/A
*Telecommunication Device for the Deaf (TDD): 1-800-447-9487.
ref 2 May 1, 2011
b NfIP General Contact Information for all NfIP Stakeholders
TOPIC MAIL, EMAIL & WEBSITE ADDRESSES
TELEPHONE &
FAX NUMBERS*
Agent Referral Program
? Information & Sign-up Form
https://agents.floodsmart.gov Phone 1-888-786-7693
CBRS Areas - Map Panel Listing http://www.fema.gov/business/nfip/cbrs/cbrs.shtm N/A
Community Status Book
(order hardcopy or CD-ROM, or
download PDF)
FEMA Map Service Center
P.O. Box 1038
Jessup, MD 20794-1038
http://www.fema.gov/fema/csb.shtm
Phone 1-877-336-2627
Fax 1-800-358-9620
FEMA Information Resource
Library, Multimedia
http://www.fema.gov/library/index.jsp
N/A
NFIP Flood Insurance Manual
(order hardcopy or CD-ROM, or
download PDF)
FEMA Map Service Center
P.O. Box 1038
Jessup, MD 20794-1038
http://www.fema.gov/business/nfip/manual.shtm
Phone 1-877-336-2627
Fax 1-800-358-9620
Flood Map Information from FEMA
Map Specialists on:
? Letters of Map Change
? Other Technical Issues
FEMA Map Assistance Center
3601 Eisenhower Ave., Suite 600
Alexandria, VA 22304
femamapspecialist@riskmapcds.com
Phone 1-877-336-2627
Flood Maps, Flood Insurance Studies,
and Q3 Data (order hardcopy or
CD-ROM)
FEMA Map Service Center
P.O. Box 1038
Jessup, MD 20794-1038
http://msc.fema.gov
Phone 1-877-336-2627
Fax 1-800-358-9620
Flood Zone Determination Companies,
List of
http://www.fema.gov/business/nfip/fzone1.shtm
N/A
General Information for
? Agents & Consumers
http://www.floodsmart.gov/floodsmart/pages/index.jsp
N/A
Supply Order Forms
(bulk hardcopy orders):
? Claims & Underwriting
? Public Awareness Materials
FEMA Distribution Center
P.O. Box 2012
Jessup, MD 20794-2012
Phone 1-800-480-2520
Fax 1-301-362-5335
Training on Flood Insurance http://www.fema.gov/business/nfip/wshops.shtm;
http://www.fema.gov/business/nfip/trainagt.shtm
N/A
Watermark & eWatermark Newsletters http://www.fema.gov/business/nfip/wm.shtm;
http://www.nfipiservice.com/watermark/index.html
N/A
Write Your Own (WYO) Companies,
List of
http://www.fema.gov/library/viewRecord.do?id=4063 Phone 1-800-480-2520
(Ask for item F-073, "The
Choice Is Yours")
*Telecommunication Device for the Deaf (TDD): 1-800-447-9487.
ref 3 May 1, 2011
C National flood Insurance Program bureau and Statistical agent regional offices
The NFIP Bureau and Statistical Agent operates a network of regional offices within the continental United States.
The regional staff may be able to assist with problems and answer questions of a general nature. However, the
regional offices do not handle processing, nor do they have policy files at their locations.
The latest contact information for both NFIP Bureau and FEMA regional offices is available at http://www.fema.
gov/about/contact/regions.shtm.
NFIP BUREAU AND STATISTICAL AGENT
REGIONAL OFFICES
NFIP BUREAU AND STATISTICAL
AGENT REGIONAL STAFF SERVICE AREA
iService Headquarters Walter McGuckin Entire Country
8400 Corporate Dr., Suite 350 Regional Support Lead
Landover, MD 20785 Cell: 301-467-8103
Phone: 301-386-6313 wmcguckin@ostglobal.com
Fax: 301-577-3496
region I
P.O. Box 2156
Merrimack, NH 03054
Phone: 603-423-0470
Fax: 603-423-0395
Robert Desaulniers
Regional Manager
Cell: 713-252-6779
rdesaulniers@ostglobal.com
Connecticut, Maine,
Massachusetts, New Hampshire,
Rhode Island,Vermont
region II
HC 87 Box 36
Pocono Lake, PA 18347
Phone: 570-643-6582
Fax: 570-643-6582
Thomas Kustelski
Regional Manager
Cell: 816-509-1949
tkustelski@ostglobal.com
New Jersey, New York, Puerto Rico,
Virgin Islands
region III Walter McGuckin Delaware, District of Columbia,
P.O. Box 7342 Regional Manager Maryland, Pennsylvania, Virginia,
Penndel, PA 19047 Cell: 301-467-8103 West Virginia
Phone: 267-560-5057 wmcguckin@ostglobal.com
Fax: 267-560-5057
region IV
P.O. Box 1046
Zephyrhills, FL 33539-1046
Phone: 813-788-2624
Fax: 813-788-2710
Lynne Magel
Regional Manager
Cell: 813-404-8782
lmagel@ostglobal.com
Alabama, Florida, Georgia,
Kentucky, Mississippi, North
Carolina, South Carolina,
Tennessee
P.O. Box 10 David Clukie Alabama, Florida, Georgia,
Buford, GA 30515 Regional Liaison Kentucky, Mississippi, North
Phone: 770-614-0865 Cell: 813-767-5355
dclukie@ostglobal.com
Carolina, South Carolina,
Tennessee
region V
100 S. Wacker Dr., Suite 500
Chicago, IL 60608
Phone: 312-596-6728
Fax: 312-939-4198
Rich Roths
Regional Manager
Cell: 630-309-0384
rroths@ostglobal.com
Illinois, Indiana, Michigan,
Minnesota, Ohio, Wisconsin
ref 4 May 1, 2011
NFIP BUREAU AND STATISTICAL AGENT
REGIONAL OFFICES
NFIP BUREAU AND STATISTICAL
AGENT REGIONAL STAFF SERVICE AREA
region VI Mark Lujan Arkansas, Louisiana, New Mexico,
P.O. Box 1536 Regional Manager Oklahoma, Texas
Frisco, TX 75034 Cell: 425-417-3159
Phone: 214-618-1092 mlujan@ostglobal.com
Fax: 214-618-1092
P.O. Box 1536 Vearl Wolverton Arkansas, Louisiana, New Mexico,
Frisco, TX 75034 Regional Liaison Oklahoma, Texas
Phone: 214-618-1092 Cell: 301-509-2765
Fax: 214-666-9846 vwolverton@ostglobal.com
region VII
8300 College Blvd., Suite 200
Overland Park, KS 66210
Phone: 913-344-1194
Fax: 913-344-1011
Thomas Kustelski
Regional Manager
Cell: 816-509-1949
tkustelski@ostglobal.com
Iowa, Kansas, Missouri, Nebraska
region VIII Erin May Colorado, Montana, North Dakota,
999 18th St., Suite 900 Regional Manager South Dakota, Utah, Wyoming
Denver, CO 80202 Cell: 303-550-3658
Phone: 303-299-7873 emay@ostglobal.com
Fax: 303-293-8585
region IX
P.O. Box 492
West Sacramento, CA 95691
Phone: 301-467-7291
Fax: 916-375-0927
Adam Lizarraga
Regional Manager
Cell: 301-467-7291
alizarraga@ostglobal.com
American Samoa, Arizona,
California, Guam, Hawaii, Mariana
Islands, Marshall Islands,
Micronesia, Nevada, Palau
region X
17020 Twin Lakes Ave., C105-
PMB110
Marysville, WA 98271
Phone: 360-652-9919
Fax: 360-652-9919
Kristin Minich
Regional Manager
Cell: 830-265-7796
kminich@ostglobal.com
Alaska, Idaho, Oregon, Washington
ref 5 May 1, 2011
PaPerWorK burdeN dISCloSure NoTICe
GeNeral - This information is provided pursuant to Public Law 96-511 (Paperwork Reduction Act of 1980, as
amended), dated December 11, 1980, to allow the public to participate more fully and meaningfully in the Federal
paperwork review process.
auTHorITY - Public Law 96-511, amended; 44 U.S.C. 3507; and 5 CFR 1320
dISCloSure of burdeN - Public reporting burden for the collection of information titled "National Flood
Insurance Program Policy Forms," is estimated to average 10 minutes per response, excluding the VZone Risk
Factor Rating Form. The estimated burden includes the time for reviewing instructions, searching existing data
sources, gathering and maintaining the data needed, and completing and reviewing the forms. Reporting burden
for these forms, as part of this collection, is listed below. Send comments regarding the burden estimate or any
aspect of the collection, including suggestions for reducing the burden, to: U.S. Department of Homeland Security,
Federal Emergency Management Agency, 500 C Street, SW, Washington, DC 20472, Paperwork Reduction Project
(1660-0006). NOTE: Do not send completed forms to this address.
PrIVaCY aCT - The information requested is necessary to process these forms for flood insurance. The authority
to collect the information is Title 42, U.S. Code, Sections 4001 to 4028. Furnishing the information is voluntary. It
will not be disclosed outside the Federal Emergency Management Agency except to the servicing office acting as
the government's fiscal agent, to routine users, agents, and mortgagees named on policies.
FeMa FoRM nUMBeR titLe BURDen HoURs
086-0-1 Application for Flood Insurance (New) 12.00 Minutes
086-0-1 Application for Flood Insurance (Renewal) 7.50 Minutes
086-0-2 Cancellation/Nullification Request 7.50 Minutes
086-0-3 General Change Endorsement (w/ and w/o Premium) 9.00 Minutes
086-0-4 V-Zone Risk Factor Rating 6.50 Hours
086-0-5 Preferred Risk Policy Application 8.00 Minutes
ref 6 May 1, 2011
GeNeral ruleS
I CoMMuNITY elIGIbIlITY
a Participating (eligible) Communities
Flood insurance may be written only in those
communities that have been designated as participating
in the National Flood Insurance Program (NFIP) by the
Federal Emergency Management Agency (FEMA).
b emergency Program
The Emergency Program is the initial phase of a
community's participation in the NFIP. Limited amounts
of coverage are available.
C regular Program
The Regular Program is the final phase of a
community's participation in the NFIP. In this phase, a
Flood Insurance Rate Map is in effect and full limits of
coverage are available.
d Maps
Maps of participating communities indicate the degree
of flood hazard so that actuarial premium rates can be
assigned for insurance coverage on properties at risk.
Additional information is provided in the Flood Maps
section of this manual.
1. Flood Hazard Boundary Map (FHBM) - Usually the
initial map of a community. Some communities
entering the Regular Program will continue to use
FHBMs renamed a Flood Insurance Rate Map
(FIRM), if there is a minimum flood hazard.
2. Flood Insurance RateMap (FIRM) - The officialmap
of the community containing detailed actuarial risk
premium zones.
3. Rescission - Participating communities in the
Emergency Program remain in the Emergency
Program if an FHBM is rescinded.
e Probation
Probation, imposed by the FEMA Regional Director,
occurs as a result of noncompliance with NFIP
floodplain management criteria. A community is placed
on probation for 1 year (may be extended), during which
time a $50 surcharge is applied to all NFIP policies,
including the Preferred Risk Policy (PRP), issued on or
after the Probation Surcharge effective date. Probation
is terminated if deficiencies are corrected. However,
if a community does not take remedial or corrective
measures while on probation, it can be suspended.
f Suspension
Flood insurance may not be sold or renewed in
communities that are suspended from the NFIP. When
a community is suspended, coverage remains in effect
until expiration. These policies cannot be renewed.
G Non-Participating (Ineligible) Communities
When FEMA provides a non-participating community
with an FHBM or a FIRM delineating its floodprone
areas, the community is allowed 1 year in which to join
the NFIP. If the community chooses not to participate
in the NFIP, flood insurance is not available.
H Coastal barrier resources act
Flood insurance may not be available for buildings and/
or contents located in coastal barriers or otherwise
protected areas. See the Coastal Barrier Resources
System section for additional information.
I federal land
Buildings and/or contents located on land owned by
the Federal Government are eligible for flood insurance
if the Federal agency having control of the land has
met floodplain management requirements. All Federal
land is recorded under the local community number
even if that local community does not have jurisdiction.
Certain buildings on Leased Federal Property must
be actuarially rated. This includes buildings that the
Administrator determines are located on the riverfacing
side of any dike, levee, or other riverine floodcontrol
structure, or seaward of any seawall or other
coastal flood-control structure. See the Leased Federal
Property section for additional information.
II PolICIeS aNd ProduCTS aVaIlable
a Standard flood Insurance Policy
The Standard Flood Insurance Policy (SFIP) consists of
the Dwelling Form, the General Property Form, and the
Residential Condominium Building Association Policy
(RCBAP) Form. The 3 SFIP forms are reproduced in the
Policy section of this manual.
The table on the next page shows how agents can use
the 3 SFIP forms to insure a variety of residential and
non-residential building and contents risks.
Gr 1 May 1, 2011
Matching Standard flood Insurance Policy forms with Specific risks
SfIP forM elIGIbIlITY
dwelling form In NFIP Regular Program community or Emergency Program community, provides
Issued to homeowner, building and/or contents coverage for:
residential renter, or owner ? Single-family, non-condominium residence with incidental occupancy limited to
of residential building less than 50% of the total floor area;
containing 1 to 4 units. ? 2-4 family, non-condominium building with incidental occupancy limited to less
than 25% of the total floor area;
? Dwelling unit in residential condominium building;
? Residential townhouse/rowhouse;
? Personal contents in a non-residential building.
General Property form
Issued to owner of
residential building with 5
or more units.
Issued to owner or lessee
of non-residential building
or unit.
In NFIP Regular Program community or Emergency Program community, provides
building and/or contents coverage for these and similar "other residential" risks:
? Apartment building;
? Residential cooperative building;
? Dormitory;
? Assisted-living facility;
? Hotels, motels, tourist homes, and rooming houses that have more than 4 units
where the normal guest occupancy is 6 months or more.
In NFIP Regular Program community or Emergency Program community, provides
building coverage and/or contents coverage for these and similar non-residential risks:
? Hotel or motel with normal guest occupancy of less than 6 months;
? Licensed bed-and-breakfast inn;
? Retail shop, restaurant, or other business;
? Mercantile building;
? Grain bin, silo, or other farm building;
? Agricultural or industrial processing facility;
? Factory;
? Warehouse;
? Poolhouse, clubhouse, or other recreational building;
? House of worship;
? School;
? Nursing home;
? Non-residential condominium;
? Condominium building with less than 75% of its total floor area in residential use;
? Detached garage;
? Tool shed;
? Stock, inventory, or other commercial contents.
residential Condominium
building association
Policy (rCbaP)
Issued to residential
condominium association
on behalf of association
and unit owners.
In NFIP Regular Program community only, provides building coverage and, if desired,
coverage of commonly owned contents for residential condominium building with 75%
or more of its total floor area in residential use.
Gr 2 May 1, 2011
b Insurance Products
1. Preferred Risk Policy (PRP)
The PRP is available in moderate-risk flood zones
B, C, and X. Formerly, only single-family and 2- to
4-family dwellings were eligible for coverage. Other
residential and non-residential buildings became
eligible for coverage effective May 1, 2004.
Expanded coverage options for residential and
non-residential buildings became effective May
1, 2008. Information about coverage options and
eligibility requirements for the PRP is provided in
the PRP section of this manual.
2. Mortgage Portfolio Protection Program (MPPP)
The Mortgage Portfolio Protection Program (MPPP)
offers a force-placed policy available only through
a Write Your Own (WYO) Company. Additional
information is provided in the MPPP section of
this manual.
3. Scheduled Building Policy
The Scheduled Building Policy is available to cover
2 to 10 buildings. The policy requires a specific
amount of insurance to be designated for each
building. To qualify, all buildings must have the
same ownership and the same location. The
properties on which the buildings are located must
be contiguous.
4. Group Flood Insurance
Group Flood Insurance is issued under the NFIP
Direct Program in response to a Presidential
disaster declaration. Disaster assistance
applicants, in exchange for a modest premium,
receive a minimum amount of building and/or
contents coverage for a 3-year policy period. The
Group Flood Insurance Policy cannot be canceled.
However, an applicant may purchase a regular SFIP
through the NFIP. When this is done, the group
flood certificate for the property owner is void, and
premium will not be refunded.
III buIldING ProPerTY elIGIbIlITY
a eligible buildings
Insurance may be written only on a structure with 2 or
more outside rigid walls and a fully secured roof that
is affixed to a permanent site. Buildings must resist
flotation, collapse, and lateral movement. At least 51
percent of the Actual Cash Value (ACV) of buildings,
including machinery and equipment, which are a part
of the buildings, must be above ground level, unless
the lowest level is at or above the Base Flood Elevation
(BFE) and is below ground by reason of earth having
been used as insulation material in conjunction with
energy-efficient building techniques.
1. Appurtenant Structures
The only appurtenant structure covered by the SFIP
is a detached garage at the described location,
which is covered under the Dwelling Form. Coverage
is limited to no more than 10 percent of the limit of
liability on the dwelling. Use of this insurance is at
the policyholder's option but reduces the building
limit of liability.
Appurtenant structure coverage does not apply
to any detached garage used or held for use
for residential (dwelling), business, or farming
purposes.
2. Manufactured (Mobile) Homes/Travel Trailers
Eligible buildings also include:
A manufactured home (a "manufactured home,"
also known as a mobile home, is a structure built
on a permanent chassis, transported to its site in
1 or more sections, and affixed to a permanent
foundation); and
A travel trailer without wheels, built on a chassis
and affixed to a permanent foundation, that
is regulated under the community's floodplain
management and building ordinances or laws.
NoTe: All references in this manual to
manufactured (mobile) homes include travel
trailers without wheels.
a. Manufactured (Mobile) Homes - New Policies
Effective on or after October 1, 1982
To be insurable under the NFIP, a mobile home:
? Must be affixed to a permanent foundation.
A permanent foundation for a manufactured
(mobile) home may be poured masonry slab
or foundation walls, or may be piers or block
supports, either of which support the mobile
home so that no weight is supported by the
wheels and axles of the mobile home.
? Must be anchored if located in a Special
Flood Hazard Area (SFHA). For flood insurance
coverage, all new policies and subsequent
renewals of those policies must be based
upon the specific anchoring requirements
identified below:
A manufactured (mobile) home located within
an SFHA must be anchored to a permanent
foundation to resist flotation, collapse, or
lateral movement by providing over-the-top
Gr 3 May 1, 2011
or frame ties to ground anchors; or in accordance
with manufacturer's specifications; or
in compliance with the community's floodplain
management requirements.
b. Manufactured (Mobile) Homes - Continuously
Insured Since September 30, 1982
All manufactured (mobile) homes on a
foundation continuously insured since
September 30, 1982, can be renewed under
the previously existing requirements if affixed
to a permanent foundation.
Manufactured (mobile) homes in compliance
with the foundation and anchoring requirements
at the time of placement may continue to
be renewed under these requirements even
though the requirements are more stringent at
a later date.
To be adequately anchored, the manufactured
(mobile) home is attached to the foundation
support system, which in turn is established
(stabilized) into the ground, sufficiently to
resist flotation, collapse, and lateral movement
caused by flood forces, including wind forces in
coastal areas.
3. Silos and Grain Storage Buildings
4. Cisterns
5. Buildings Entirely Over Water - Constructed or
Substantially Improved Before October 1, 1982
Follow Submit-for-Rate procedures in the Rating
section for insurance on Post-FIRM buildings
located entirely in, on, or over water or seaward
of mean high tide. Pre-FIRM buildings constructed
before October 1, 1982, are eligible for normal
Pre-FIRM rates.
If the building was constructed or substantially
improved on or after October 1, 1982, the building
is ineligible for coverage.
exception: If a building was originally constructed
on land or partially over water, and later becomes
entirely over water because of erosion, it is
eligible for coverage only if the building has had
continuous coverage:
? from the period beginning at least 1 year prior
to the building being located entirely over water,
regardless of any changes in the ownership of
the building, or
? from the date of construction if less than 1 year.
Acceptable documentation of a building's
continued eligibility for coverage must include the
following:
? A letter from the community official stating that
the building originally was constructed on land or
only partially over water; and
? Photographs of the building over land, if available;
and
? The approximate date when the building became
located entirely over water; and
? Proof of continuous flood insurance coverage
from the period beginning 1 year prior to the
building being located entirely over water, or
from the date of construction if less than 1 year.
6. Buildings Partially Over Water
Follow Submit-for-Rate procedures in the Rating
section for buildings partially over water. However,
Pre-FIRM buildings are eligible for normal Pre-
FIRM rates.
7. Boathouses Located Partially Over Water
The non-boathouse parts of a building into which
boats are floated are eligible for coverage if the
building is partly over land and also used for
residential, commercial, or municipal purposes
and is eligible for flood coverage. The area above
the boathouse used for purposes unrelated to
the boathouse use (e.g., residential occupancy) is
insurable from the floor joists to the roof, including
walls. A common wall between the boathouse area
and the other part of the building is insurable. The
following items are not covered:
a. The ceiling and roof over the boathouse portions
of the building into which boats are floated.
b. Floors, walkways, decking, etc., within the
boathouse area, or outside the area, but
pertaining to boathouse use.
c. Exterior walls and doors of the boathouse area
not common to the rest of the building.
d. Interior walls and coverings within the
boathouse area.
e. Contents located within the boathouse area,
including furnishings and equipment, relating to
the operation and storage of boats and other
boathouse uses.
The Flood Insurance Application form with
photographs, but without premium, must be
submitted to the NFIP for premium determination.
No coverage becomes effective until the NFIP
approves the insurance application, determines
Gr 4 May 1, 2011
the rate, and receives the premium. However,
buildings constructed prior to October 1, 1982,
may continue to be rated using the published rate.
8. Buildings in the Course of Construction
TheNFIP rules allowthe issuance of an SFIP to cover
a building in the course of construction before the
building is walled and roofed. These rules provide
lenders an option to require flood insurance
coverage at the time that the development loan
is made to comply with the mandatory purchase
requirement outlined in the Flood Disaster
Protection Act of 1973, as amended. The policy
is issued and rated based on the construction
designs and intended use of the building.
Buildings in the course of construction that have
yet to be walled and roofed are eligible for coverage
except when construction has been halted for
more than 90 days and/or if the lowest floor used
for rating purposes is below the BFE. Materials or
supplies intended for use in such construction,
alteration, or repair are not insurable unless they
are contained within an enclosed building on the
premises or adjacent to the premises.
To determine the eligibility of a residential
condominium building under construction, see the
Condominiums section of this manual.
9. Severe Repetitive Loss Properties
These must be processed by the NFIP Special
Direct Facility. See the Severe Repetitive Loss
section of this manual for information.
b Single building
To qualify as a single-building structure and be subject
to the single-building limits of coverage, a building must
be separated from other buildings by intervening clear
space or solid, vertical, load-bearing division walls.
A building separated into divisions by solid, vertical,
load-bearing walls from its lowest level to its highest
ceiling may have each division insured as a separate
building. A solid load-bearing interior wall cannot have
any openings and must not provide access from 1
building or room into another (partial walls). However, if
access is available through a doorway or opening, then
the structure must be insured as 1 building unless
the building is self-contained; it is a separately titled
building contiguous to the ground; it has a separate
legal description; and it is regarded as a separate
property for other real estate purposes, meaning that
it has most of its own utilities and may be deeded,
conveyed, and taxed separately.
Additions and Extensions
The NFIP insures additions and extensions attached
to and in contact with the building by means of a
rigid exterior wall, a solid load-bearing interior wall, a
stairway, an elevated walkway, or a roof. At the insured's
option, additions and extensions connected by any of
these methods may be separately insured. Additions
and extensions attached to and in contact with the
building by means of a common interior wall that is not
a solid load-bearing wall are always considered part of
the building and cannot be separately insured.
C Walls
1. Breakaway Walls
For an enclosure's wall to qualify as breakaway, it
must meet all of the following criteria:
a. Above ground level; and
b. Below the elevated floor of an elevated
structure; and
c. Non-structurally supporting (non-load-bearing
walls); and
d. Designed to fail under certain wave force
conditions; and
e. Designed so that, as a result of failure, it
causes no damage to the elevated portions
of the elevated building and/or its supporting
foundation system.
2. Shear Walls
Shear walls are used for structural support, but
are not structurally joined or enclosed at the ends
(except by breakaway walls). Shear walls are
parallel (or nearly parallel) to the flow of the water
and can be used in any zone.
3. Solid Perimeter Foundation Walls
Solid perimeter foundation walls are used as a
means of elevating the building in A Zones and must
contain proper openings to allow for the unimpeded
flow of floodwaters more than 1 foot deep.
Solid perimeter foundation walls are not
an acceptable means of elevating buildings in
V/VE Zones.
d determination of building occupancy
The following terms should be used to determine the
appropriate occupancy classification:
1. Single-Family Dwellings
These are buildings used primarily as a dwelling
place for 1 family, or a single-family dwelling unit in
Gr 5 May 1, 2011
a condominium building. Residential single-family
dwellings are permitted incidental occupancies
(e.g., offices, private schools, studios, and small
service operations) if such occupancies are
limited to less than 50 percent of the building's
total floor area.
2. 2-4 Family Dwellings
These are non-condominium residential buildings
designed for principal use as a dwelling place of 2 to
4 families. Residential buildings, excluding hotels
and motels with normal room rentals for less than
6 months and containing no more than 4 dwelling
units, are permitted incidental occupancies (see
D.1 above). The total area of incidental occupancy
is limited to less than 25 percent of the total floor
area within the building.
3. Other Residential Buildings
These include apartment buildings as well as
hotels, motels, tourist homes, and rooming houses
that have more than 4 units where the normal
occupancy of a guest is 6 months or more. These
buildings are permitted incidental occupancies
(see D.1 above). The total area of incidental
occupancy is limited to less than 25 percent of
the total floor area within the building. Examples of
other residential buildings include dormitories and
assisted-living facilities.
4. Non-Residential Buildings
This category includes, but is not limited to, small
businesses, churches, schools, farm buildings
(including grain bins and silos), garages, poolhouses,
clubhouses, recreational buildings, mercantile
buildings, agricultural buildings, industrial buildings,
warehouses, nursing homes, licensed bed and
breakfasts, and hotels and motels with normal
room rentals for less than 6 months.
IV CoNTeNTS elIGIbIlITY
a eligible Contents
Contents must be located in a fully enclosed building.
However, under the Dwelling Form, in a building that
is not fully enclosed, contents must be secured to
prevent flotation out of the building.
b Vehicles and equipment
The NFIP covers self-propelled vehicles or machines,
provided they are not licensed for use on public roads
and are:
1. Used mainly to service the described location; or
2. Designed and used to assist handicapped persons;
while the vehicles or machines are inside a building at
the described location.
C Silos, Grain Storage buildings, and Cisterns
Contents located in silos, grain storage buildings, and
cisterns are insurable.
d Commercial Contents Coverage
Commercial contents in a residential property must be
insured on the General Property Form.
V eXaMPleS of elIGIble rISKS
Examples of eligible risks are provided below.
a building Coverage
1. Cooperative Building - Entire Building in Name of
Cooperative (General Property Form)
Cooperative buildings where at least 75 percent
of the area of the building is used for residential
purposes are considered as residential
occupancies, and can be insured for a maximum
building coverage of $250,000 in a Regular Program
community under the General Property Form. Since
they are not in the condominium form of ownership,
they cannot be insured under the RCBAP.
2. Timeshare Building - Entire Building in Name of
Corporation (General Property Form)
Timeshare buildings not in the condominium form
of ownership where at least 75 percent of the area
of the building is used for residential purposes
are considered as residential occupancies under
the NFIP, and can be insured for a maximum
building coverage of $250,000 under the General
Property Form.
Timeshare buildings in the condominium form of
ownership are eligible for coverage and must be
insured under the RCBAP. These buildings are
subject to the same eligibility, rating, and coverage
requirements as other condominiums, including
the requirement that 75 percent of the area of the
building be used for residential purposes.
b Contents Coverage
Parts and equipment as open stock - not part of
specific vehicle or motorized equipment - are eligible
for coverage.
C Condominiums
Refer to the Condominiums section.
Gr 6 May 1, 2011
VI INelIGIble ProPerTY
a buildings
Coverage may not be available for buildings that are
constructed or altered in such a way as to place them
in violation of state or local floodplain management
laws, regulations, or ordinances. Contents and
personal property contained in these buildings are
ineligible for coverage.
For example, section 1316 of the National Flood
Insurance Act of 1968 allows states to declare a
structure to be in violation of a law, regulation, or
ordinance. flood insurance is not available for
properties that are placed on the 1316 Property
list Insurance availability is restored once the
violation is corrected and the 1316 Declaration has
been rescinded.
b Container-Type buildings
Gas and liquid tanks, chemical or reactor container
tanks or enclosures, brick kilns, and similar units, and
their contents are ineligible for coverage.
C buildings entirely over Water
Buildings newly constructed or substantially improved
on or after October 1, 1982, and located entirely in,
on, or over water or seaward of mean high tide are
ineligible for coverage.
d buildings Partially underground
If 50 percent or more of the building's ACV, including
the machinery and equipment, which are part of the
building, is below ground level, the building or units
and their contents are ineligible for coverage unless
the lowest level is at or above the BFE and is below
ground by reason of earth having been used as
insulation material in conjunction with energy-efficient
building techniques.
e basement/elevated building enclosures
Certain specific property in basements and under
elevated floors of buildings is excluded from coverage.
See the SFIP for specific information.
VII eXaMPleS of INelIGIble rISKS
Some specific examples of ineligible risks are provided
below. See the policy for a definitive listing of property
not covered.
a building Coverage
1. Boat Repair Dock
2. Boat Storage Over Water
3. Boathouses (exceptions on page GR 4)
4. Camper
5. Cooperative Unit within Cooperative Building
6. Decks (except for steps and landing; maximum
landing area of 16 sq. ft.)
7. Drive-In Bank Teller Unit (located outside walls
of building)
8. Fuel Pump
9. Gazebo (unless it qualifies as a building)
10. Greenhouse (unless it has at least 2 rigid walls
and a roof)
11. Hot Tub or Spa (unless it is installed as a
bathroom fixture)
12. Open Stadium
13. Pavilion (unless it qualifies as a building)
14. Pole Barn (unless it qualifies as a building)
15. Pumping Station (unless it qualifies as a building)
16. Storage Tank - Gasoline, Water, Chemicals,
Sugar, etc.
17. Swimming Pool Bubble
18. Swimming Pool (indoor or outdoor)
19. Tennis Bubble
20. Tent
21. Timeshare Unit within Multi-Unit Building
22. Travel Trailer (unless converted to a permanent onsite
building meeting the community's floodplain
management permit requirements)
23. Water Treatment Plant (unless 51 percent of its
ACV is above ground)
b Contents Coverage
1. Automobiles - Including Dealer's Stock (assembled
or not)
2. Bailee's Customer Goods - Including garment
contractors, cleaners, shoe repair shops,
processors of goods belonging to others, and
similar risks
3. Contents Located in a Structure Not Eligible for
Building Coverage
4. Contents Located in a Building Not Fully Walled
and/or Contents Not Secured Against Flotation
5. Motorcycles - Including Dealer's Stock (assembled
or not)
6. Motorized Equipment - Including Dealer's Stock
(assembled or not)
Gr 7 May 1, 2011
C Non-residential Condominium unit
The owner of a non-residential condominium unit
cannot purchase building coverage under a unit
owner's policy. The association can purchase a
condominium association policy to cover the entire
building. Contents-only coverage may be purchased by
the unit owner.
VIII PolICY effeCTIVe daTe
There is a standard 30-day waiting period for new
applications and for endorsements to increase
coverage, with some exceptions as described in
subsection C. Effective Date.
a receipt date (in the determination of the
effective date)
The effective date is determined based in part upon
the receipt date as follows:
1. If the application or endorsement form and the
premium payment are received by the insurer
within 10 days from the date of application or
endorsement request, or if mailed by certified
mail within 4 days from the date of application or
endorsement request, then the effective date will
be calculated from the application or endorsement
date. Use the application date or endorsement
date plus 9 days to determine if the application or
endorsement and premium payment were received
within 10 days.When sent by certifiedmail, use the
application date or endorsement date plus 3 days
to determine if the application or endorsement and
premium payment were mailed within 4 days.
2. If the application or endorsement form and the
premium payment are received by the insurer after
10days fromthe date of application or endorsement
request, or are not mailed by certified mail within 4
days from the date of application or endorsement
request, then the effective date will be calculated
from the date the insurer receives the application
or endorsement and premium payment.
As used in VIIl.A.1. and 2. above, the term "certified
mail" extends to not only the U.S. Postal Service, but
also certain third-party delivery services. Acceptable
third-party delivery services include Federal Express
(FedEx), United Parcel Service (UPS), and courier
services and the like that provide proof of mailing.
Third-party delivery is acceptable if the delivery service
provides documentation of the actual mailing date and
delivery date to the insurer. Bear in mind that thirdparty
delivery services deliver to street addresses but
cannot deliver to U.S. Postal Service post office boxes.
b Presentment of Premium date requirements for
loan Closing
FEMA requires the WYO Companies and the NFIP
Servicing Agent to record the presentment of premium
date, the closing date, and the premium payor (insured,
lender, title company, settlement attorney, etc.).
Presentment of premium is defined as:
1. The date of the check or credit card payment by
the applicant or the applicant's representative if
the premium payment is not part of a loan closing.
2. The date of the closing, if the premium payment is
part of a loan closing.
For a loan closing, premium payment from the escrow
account (lender's check), title company, or settlement
attorney is considered made at closing, if the premium
is received by the writing company within 30 days of
the closing date.
NoTe: An agency check may be used if settlement
paperwork or a photocopy of the original check from
the lender, title company, or settlement attorney is
provided as documentation.
If the premium payment is not part of the closing, the
closing date is the effective date only if the application
date is on or before the closing and the Application and
premium payment are received by the writing company
within 10 days of the closing date.
C effective date
1. New Policy - Standard 30-Day Waiting Period
The effective date of a new policy will be 12:01
a.m., local time, on the 30th calendar day after the
application date and the presentment of premium.
(Example: a policy applied for on May 3 will become
effective 12:01 a.m., local time, on June 2.) The
rules provided in subsection A. Receipt Date must
be used.
2. New Policy - No Waiting Period (Loan Transaction)
Flood insurance that is initially purchased in
connection with the making, increasing, extending,
or renewal of a loan shall be effective at the time
of loan closing, provided that the policy is applied
for at or before closing. Use the rules below to
determine the effective date.
a. Premium payment from the escrow account
(lender's check), title company, or settlement
attorney is considered made at closing if the
check is received by the writing company within
30 days of the closing date (closing date plus 29
days) and the Application is dated on or before
Gr 8 May 1, 2011
the closing date. If received after 30 days, the
effective date is the receipt date regardless of
the flood zone.
b. If premium payment is from other than the
escrow account (lender's check), title company,
or settlement attorney, and the Application
is dated on or before the loan closing date,
the effective date is the closing date if the
Application and premium are received within
10 days of the closing date (closing date
plus 9 days). If received after 10 days, the
effective date is the receipt date regardless of
the flood zone.
(Example: presentment of premium and application
date - April 3; refinancing - April 3 at 3:00 p.m.;
policy effective date - April 3 at 3:00 p.m.)
If a loss occurs during the first 30 days of the policy
period, the insurer must obtain documentation,
such as settlement papers, to verify the effective
date of the policy before adjusting the loss.
3. New Policy - No Waiting Period (in connection with
lender requirement)
The 30-day waiting period does not apply when
flood insurance is required as a result of a lender
determining that a loan on a building in an SFHA
that does not have flood insurance coverage
should be protected by flood insurance. The
coverage is effective upon the completion of an
application and the presentment of premium. The
rules provided in subsection A. Receipt Date must
be used.
Buildings currently located in an SFHA but
grandfathered to a non-SFHA for rating are eligible
for this exception to the standard 30-day waiting
period. This rule also applies to buildings in SFHAs
that are eligible for coverage under the 2-year PRP
Eligibility Extension. (See the PRP section.)
(Example: presentment of premium and application
date - April 3; policy effective date - April 3.) If a
loss occurs during the first 30 days of the policy
period, the insurer must obtain a copy of the
letter requiring mandatory purchase, to verify the
effective date of the policy before adjusting the
loss. The letter must be dated on or before the
policy effective date.
4. New Policy - 1-Day Waiting Period (Map Revision)
Flood insurance initially purchased during the
13-month period beginning on the effective date
of a map revision shall be effective 12:01 a.m.,
local time, the day after the date of application and
the presentment of premium. The rules provided in
subsection A. Receipt Date must be used.
The 1-day waiting period rule applies only where
the FHBM or FIRM is revised to show the building
to be in an SFHA when it had not been in an
SFHA. (Example: FIRM revised - January 1, 2009;
policy applied for and presentment of premium -
August 3, 2009; policy effective date - August 4,
2009.) The 1-day waiting period rule applies for all
buildings, including those owned by condominium
associations.
If a loss occurs during the first 30 days of the policy
period, the insurer must obtain documentation,
such as a copy of the previous and current map or
other documentation confirming the map revision
or update, to verify the effective date of the policy
before adjusting the loss.
The 1-day waiting period applies only to the initial
purchase of flood insurance, which includes
coverage already in effect on the map revision
date. The 1-day waiting period rule does not apply
to renewals or transfers of business effective after
the initial purchase of flood insurance.
5. New Policy - No Waiting Period (in connection with
the purchase of an RCBAP)
When a condominium association is purchasing an
RCBAP, the 30-day waiting period does not apply if
the condominium association is required to obtain
flood insurance as part of the security for a loan
under the name of the condominium association.
The coverage is effective upon completion of an
application and presentment of premium. The
rules provided in subsection A. Receipt Date must
be used unless the premium payment was made
from the escrow account (lender's check), title
company, or settlement attorney.
If a loss occurs during the first 30 days of the policy
period, the insurer must obtain documentation,
such as settlement papers, to verify the effective
date of the policy before adjusting the loss.
6. New Policy (Submit-for-Rate submission)
With 3 exceptions (described below), the effective
date of a new policy will be 12:01 a.m., local time,
on the 30th calendar day after the presentment
of premium.
The 3 exceptions are as follows.
a. There is no waiting period if the initial
purchase of flood insurance on an Application
requiring the Submit-for-Rate procedure is in
connectionwithmaking, increasing, extending,
or renewing a loan, provided that the policy is
applied for and the presentment of premium
is made at or prior to the loan closing. The
Gr 9 May 1, 2011
rules provided in subsection A. Receipt Date
must be used unless the premium payment
was made from the escrow account (lender's
check), title company, or settlement attorney.
If a loss occurs during the first 30 days of
the policy period, the insurer must obtain
documentation, such as settlement papers,
to verify the effective date of the policy before
adjusting the loss.
b. The 30-day waiting period does not apply
when flood insurance is required as a result
of a lender determining that a loan that does
not have flood insurance coverage should be
protected by flood insurance, because the
building securing a loan is located in an SFHA.
The coverage is effective upon the completion
of an Application and the presentment of
premium. This exemption from the 30-
day waiting period applies only to loans in
SFHAs, i.e., those loans for which the statute
requires flood insurance. The rules provided in
subsection A. Receipt Date must be used.
If a loss occurs during the first 30 days of
the policy period, the insurer must obtain
documentation, such as a copy of the letter
requiring mandatory purchase, to verify the
effective date of the policy before adjusting
the loss.
c. During the 13-month period beginning on the
effective date of a map revision, the effective
date of a new policy shall be 12:01 a.m.,
local time, following the day after the date the
increased amount of coverage is applied for
and the presentment of additional premium
is made. This rule applies only on an initial
purchase of flood insurance where the FHBM
or FIRM is revised to show the building to be in
an SFHA when it had not been in an SFHA. The
rules provided in subsection A. Receipt Date
must be used.
If a loss occurs during the first 30 days of
the policy period, the insurer must obtain
documentation, such as a copy of the previous
and current map or other documentation
confirming the map revision or update, to
verify the effective date of the policy before
adjusting the loss.
7. New Policy (rewrite of a standard-rated policy to
a PRP)
The 30-day waiting period does not apply when
an insured decides to rewrite the existing policy at
the time of renewal from a standard-rated policy
to a PRP, provided that the selected PRP coverage
limit amount is no higher than the next-highest
PRP amount above that which was carried on the
standard-rated policy using the highest of building
and contents coverage. If the standard-rated policy
has only contents coverage and is rewritten as a
contents-only PRP, the 30-day waiting period does
not apply.
When converting a standard-rated policy to a
PRP, the 30-day waiting period will not apply if
the standard-rated policy has only building
coverage and is rewritten as a PRP that includes
contents coverage.
In addition, if the structure is no longer eligible
under the PRP or the insured decides to rewrite
the existing PRP at renewal time to a standardrated
policy, the 30-day waiting period does not
apply provided the coverage limit amount is no
more than the previous PRP coverage amount or
the next-higher PRP amount above that.
8. New Policy (contents only)
Unless the contents are part of the security for
a loan, the 30-day waiting period applies to the
purchase of contents-only coverage.
9. New Policy (documentation required)
The insurer may rely on an agent's representation
on the Application that the loan exception applies
unless there is a loss during the first 30 days of
the policy period. In that case, the insurer must
obtain documentation of the loan transaction,
such as settlement papers, to verify the effective
date of the policy before adjusting the loss.
10. New Policy (community's initial entry or
conversion from Emergency to Regular Program)
Process according to rules 1 through 9 above and
11 through 13 below.
11. Endorsement - Standard 30-Day Waiting Period
The effective date for a new coverage or an increase
in limits on a policy in force shall be 12:01 a.m.,
local time, on the 30th calendar day following
the date of endorsement and the presentment
of additional premium, or on such later date set
by the insured to conform with the reason for
the change. The rules provided in subsection A.
Receipt Date must be used.
12. Endorsement - No Waiting Period (Loan
Transaction)
The 30-day waiting period does not apply when the
additional amount of flood insurance is required in
connection with the making, increasing, extending,
or renewing of a loan, such as a second mortgage,
Gr 10 May 1, 2011
home equity loan, or refinancing. The increased
amount of flood coverage shall be effective at the
time of loan closing, provided that the increased
amount of coverage is applied for at or before
closing. The rules provided in subsection A.
Receipt Date must be used.
The insurer may rely on an agent's representation
on the endorsement that the loan exception
applies unless there is a loss during the first 30
days after the endorsement effective date. In that
case, the insurer must obtain documentation of
the loan transaction, such as settlement papers,
before adjusting the loss.
13. Endorsement - 1-DayWaiting Period (Map Revision)
The first increase in coverage requested during the
13-month period beginning on the effective date
of a map revision shall be effective 12:01 a.m.,
local time, the day after the endorsement date and
presentment of the additional premium. This rule
applies only where the FHBM or FIRM is revised to
show the building to be in an SFHA when it had not
been in an SFHA. The rules provided in subsection
A. Receipt Date must be used.
14. Renewal with Inflation Increase Option
The 30-day waiting period does not apply when
an additional amount of insurance is requested
at renewal time that is no more than the amount
of increase recommended by the insurer on the
renewal bill to keep pace with inflation.
If a revised renewal offer results from an
endorsement that increases coverage more than
the previously offered inflation increase option and
becomes effective at least 30 days before renewal,
the revised limits will apply at policy renewal. The
revised renewal offer must be generated at least
30 days before the policy renewal in order for
these revised limits to take effect at renewal.
In either situation, the increased amount of
coverage will be effective at 12:01 a.m. on the
date of policy renewal provided the premium for
the increased coverage is received before the
expiration of the grace period.
15. Renewal with Higher PRP Limits
The 30-day waiting period does not apply to a
renewal offer to the insured for the next-higher
limits available under the PRP.
16. Renewal with Deductible Reduction
The 30-day waiting period does not apply to a
reduction of the deductible effective as of the
renewal date.
IX CoVeraGe
a limits of Coverage
Coverage may be purchased subject to the limits
available under the Program phase in which the
community is participating. Duplicate policies are
not allowed. See the Rating section for additional
information regarding coverage limits.
b deductibles
Deductibles apply separately to building coverage
and to contents coverage. See the Rating section for
deductible options and factors.
C Coverage d - Increased Cost of Compliance (ICC)
Coverage
The ICC limit of liability is $30,000. The SFIP pays for
complying with a state or local floodplain management
law or ordinance affecting repair or reconstruction of a
structure suffering flood damage. Compliance activities
eligible for payment are: elevation, floodproofing,
relocation, or demolition (or any combination of
these activities) of the insured structure. Eligible
floodproofing activities are limited to non-residential
structures and residential structures with basements
that satisfy FEMA's standards published in the Code
of Federal Regulations [44 CFR 60.6 (b) or (c)].
ICC coverage is mandatory for all SFIPs, except that
coverage is not available for:
1. Policies issued or renewed in the Emergency
Program.
2. Condominium units, including townhouse/
rowhouse condominium units. (The condominium
association is responsible for complying with
mitigation requirements.)
3. Group Flood Insurance Policies.
4. Appurtenant structures, unless covered by a
separate policy.
ICC coverage contains exclusions in addition to those
highlighted here. See the policy for a list of exclusions.
To be eligible for claim payment under ICC, a
structure must:
? Be a repetitive loss structure as defined, for which
the NFIP paid a previous qualifying claim, in addition
to the current claim. The state or community must
have a cumulative, substantial damage provision or
repetitive loss provision in its floodplainmanagement
law or ordinance being enforced against the
structure; or
Gr 11 May 1, 2011
? Be a structure that has sustained substantial
flood damage. The state or community must have
a substantial damage provision in its floodplain
management law or ordinance being enforced
against the structure.
The ICC premium is not eligible for the deductible
discount. First calculate the deductible discount, then
add in the ICC premium for each policy year.
d reduction of Coverage limits or reformation
In the event that the premium payment received is
not sufficient to purchase the amounts of insurance
requested, the policy shall be deemed to provide only
such insurance as can be purchased for the entire
term of the policy for the amount of premium received.
With 2 exceptions, where the discovery of insufficient
premium or incomplete rating information is discovered
after a loss, the complete provisions for reduction of
coverage limits or reformation are described in:
? Dwelling Form, section VII, paragraph G.
? General Property Form, section VII, paragraph G.
? Residential Condominium Building Association Policy
(RCBAP), section VIII, paragraph G.
The property must be insured using the correct SFIP
form in order for these 2 exceptions to apply.
The 2 exceptions are following and apply only when
after a loss it is discovered that the premium is
insufficient to provide the coverage requested, or there
is critical rating information missing that is necessary
to properly rate the policy:
1. Any additional premium due will be calculated
prospectively from the date of discovery; and
2. The automatic reduction in policy limits is effective
the date of discovery.
This will provide policyholders with the originally
requested limits at the time of a claim arising before
the date of discovery without paying any additional
premium. Policyholders will then have 30 days to pay
the additional premium that is due for the remainder
of the policy term, to restore the originally requested
limits without a waiting period. If additional information
is needed, policyholders will have 60 days to obtain
the additional information, and then 30 days to pay
the additional premium due for the remainder of the
term, to restore the originally requested limits without
a waiting period.
In addition, payment of the claim will not be delayed
because of additional information needed to calculate
the correct payment.
If a claim occurs after the notice requesting additional
information or additional premium due is sent to the
policyholder, that claim cannot be processed with the
originally requested amount of coverage limits until the
information, if required, and the premium are received
by the company within the required time.
However, all claim payments will be based on the
coverage limits provided in accordance with the correct
flood zone for the building location and not on the zone
shown on the flood policy if it is in error.
For example, if a policy for a Post-FIRM, elevated
building is written incorrectly in a non-SFHA (e.g.,
Zone X), and at the time of the loss the property is
determined to be located in an SFHA (e.g., Zone AE),
then the claim is paid in accordance with the coverage
limitations applicable to the SFHA.
NoTe: When coverage is issued using an incorrect
SFIP form, the policy is void and the coverage must
be written under the correct form. The provisions
of the correct SFIP form apply. The coverage limits
must be reformed according to the provisions of the
correct SFIP form and cannot exceed the coverage
limits originally issued under the incorrect policy.
e loss assessments
The Dwelling Form provides limited coverage for loss
assessments against condominium unit owners for
flood damage to common areas of any building owned
by the condominium association. The RCBAP and
General Property Forms do not provide assessment
coverage. The Dwelling Form provides assessment
coverage only under the circumstances, and to the
extents, described below.
1. No RCBAP
a. If the unit owner purchases building coverage
under the Dwelling Form and there is no
RCBAP, the Dwelling Form responds to a loss
assessment against the unit owner for damages
to common areas, up to the building coverage
limit under the Dwelling Form.
b. If there is damage to building elements of
the unit as well, the building coverage limit
under the Dwelling Form may not be exceeded
by the combined settlement of unit building
damages, which would apply first, and the loss
assessment.
2. RCBAP Insured to at Least 80 Percent of the
Building Replacement Cost
a. If the unit owner purchases building coverage
under the Dwelling Form and there is an RCBAP
insured to at least 80 percent of the building
replacement cost at the time of loss, the loss
Gr 12 May 1, 2011
assessment coverage under the Dwelling
Form will pay that part of a loss that exceeds
80 percent of the association's building
replacement cost.
b. The loss assessment coverage under the
Dwelling Form will not cover the association's
policy deductible purchased by the
condominium association.
c. If there is damage to building elements of the
unit as well, the Dwelling Form pays to repair
unit building elements after the RCBAP limits
that apply to the unit have been exhausted.
The coverage combination cannot exceed the
maximum coverage limits available for a singlefamily
dwelling.
3. RCBAP Insured to Less Than 80 Percent of the
Building Replacement Cost
a. If the unit owner purchases building coverage
under the Dwelling Form and there is an
RCBAP insured to less than 80 percent of
the building replacement cost at the time of
loss, the loss assessment coverage cannot be
used to reimburse the association for its coinsurance
penalty.
b. The covered damages to the condominium
association building must be greater than 80
percent of the building replacement cost at
the time of loss before the loss assessment
coverage becomes available under the Dwelling
Form. Covered repairs to the unit, if applicable,
would have priority over loss assessments.
For more information on this topic, see
"E. Assessment Coverage" in the Condominiums
section and Section III. C. 3. of the Dwelling
Form, "Condominium Loss Assessments," in the
Policy section.
f Improvements and betterments and Tenant's
Coverage
Under the Dwelling Form and General Property Form,
coverage for improvements and betterments is
provided for tenants who have purchased personal
property coverage. The maximum amount payable for
this coverage, which applies to fixtures, alterations,
installations, or additions made or acquired solely
at the tenant's expense and comprising part of an
insured building, is 10 percent of the personal property
limit of liability shown on the declarations page. Use of
improvements and betterments coverage reduces the
amount of insurance available for personal property.
A tenant may purchase higher limits of coverage
for improvements and betterments under the
building coverage if the lease agreement with the
building owner:
1. Requires that the tenant purchase insurance
coverage for the tenant's improvements and
betterments that are made or acquired; and
2. States that the tenant is responsible for the
repair of the building and/or improvements and
betterments that become damaged.
Duplicate coverage is not permitted under the NFIP,
so only 1 policy can be issued for building coverage,
and the amount of building coverage cannot exceed
the maximum allowable under the Act. The policy may
be issued either in the name of the building owner or in
the names of the building owner and the tenant.
X SPeCIal raTING SITuaTIoNS
a Tentative rates
Tentative rates are applied when agents/producers are
unable to provide all required underwriting information
necessary to rate the policy. Tentatively rated policies
cannot be endorsed to increase coverage limits
or renewed for another policy term until required
actuarial rating information and full premium payment
are received by the insurer. If a loss occurs on a
tentatively rated policy, the loss payment will be limited
by the amount of coverage that the premium initially
submitted will purchase (using the correct actuarial
rating information), and not the amount requested by
application. For more information, see the Tentative
Rates subsection in the Rating section.
b Submit-for-rate
Some risks, because of their unique underwriting
characteristics, cannot be rated using this manual and
must be submitted to the insurer. The insurer must
obtain all information necessary to properly rate and
issue the policy. Policies for Submit-for-Rate risks are
re-rated annually. For additional information, see the
Submit-for-Rate subsection in the Rating section.
Pre-FIRM risks may not be rated using the Submit-for-
Rate procedures except for buildings with subgrade
crawlspaces as described in the Rating section.
The policy effective date for a Submit-for-Rate risk
is determined based on the date of application and
receipt of premium, in the same manner as all other
policies. See New Policy (Submit-for-Rate submission)
in the Effective Date subsection of this section for the
applicable waiting period information.
C Provisional rates
Rules applicable to provisionally rated policies
are provided in the Provisional Rating section of
this manual.
Gr 13 May 1, 2011
d buildings in More Than one flood Zone/bfe
Buildings, not the land, located in more than 1 flood
zone/BFE must be rated using the more hazardous
zone/BFE.
This condition applies even though the portion of the
building located in the more hazardous flood risk zone/
BFE may not be covered under the SFIP, such as a deck
attached to a building. (Example: The building must be
rated using the more hazardous flood risk zone/BFE if
any portion of the attached deck foundation extends
into the more hazardous flood risk zone/BFE. If the
attached deck overhangs the more hazardous flood
risk zone/BFE, but its foundation system does not
extend into more hazardous flood risk zone/BFE, then
the building must be rated using the flood risk zone/
BFE where the building foundation is located.)
e different bfes reported
When the BFE shown on a Flood Zone Determination is
different than that shown on the Elevation Certificate,
and the zone and the map information (community
number, panel number, and suffix) are the same
on both documents, the BFE shown on the Elevation
Certificate must be used to rate the policy. In all
cases, the zone and BFE must be from the FIRM in
effect on the application date or renewal effective
date unless grandfathering.
f flood Zone discrepancies
When presented with 2 different flood zones, use
the more hazardous flood zone for rating unless the
building qualifies for grandfathering (see XIV.D. in
the Rating section). The map information (community
number, panel number, and suffix) and BFE must
come from the same source as the zone used to rate
the policy.
NoTe: The NFIP rules allow the continued use of the
flood zone and/or BFE that was in effect at the time
of application or renewal even when a map revision
that changes the zone and/or BFE occurs after the
policy effective date.
XI MISCellaNeouS
a Policy Term
The policy term available is 1 year for both NFIP
Direct business policies and policies written through
WYO Companies.
b application Submission
Flood insurance applications and premium payments
must be made promptly to the insurer. The date of
receipt of premiumby the insurer is determined by either
the date received at its office or the date of certified
mail. In the context of submission of applications,
endorsements, and premiums to the insurer, the term
"certified mail" includes the U.S. Postal Service and
certain third-party delivery services. For details, see
subsection VIII.A. Receipt Date within this section.
Agents/producers are encouraged to submit flood
insurance applications by certified mail. Certified mail
ensures the earliest possible effective date if the
application and premium are received by the insurer
more than 10 days from the application date. The
date of certification becomes the date of receipt by
the insurer.
C delivery of the Policy
The policy contract must be sent to the insured on
new business or when changes are made to the policy
form. The policy declarations page must be sent to the
insured, agent/producer, and, if applicable, lender.
d evidence of Insurance
A copy of the Flood Insurance Application and premium
payment, or a copy of the declarations page, is sufficient
evidence of proof of purchase for new policies. The
NFIP does not recognize binders. However, the NFIP
recognizes the Certificate of Property Insurance,
Evidence of Insurance, and similar forms provided for
renewal policies if the following information is included:
1. Policy Form/Type (GP, DP, RCBAP*, PRP)
2. Policy Term
3. Policy Number
4. Insured's Name and Mailing Address
5. Property Location
6. Current Flood Risk Zone
7. Rated Flood Risk Zone (zone used for rating,
including when grandfathering or issuing coverage
under the 2-year PRP Eligibility Extension)
8. Grandfathered: Y/N
9. Mortgagee Name and Address
10. Coverage Limits; Deductibles
11. Annual Premium
* For an RCBAP, include the number of units and
Replacement Cost Value (RCV) of the building.
e assignment
A building owner's flood insurance building policy may
be assigned to a purchaser of the insured building with
the written consent of the seller.
Gr 14 May 1, 2011
Policies on buildings in the course of construction and
policies insuring contents only may not be assigned.
f Transfer of business
The new insurer must collect all required underwriting
information needed to verify the correct rating and
issuance of the policy. A declarations page usually does
not provide all the required underwriting information.
The new insurer may use the elevation information on
the declarations page issued by the previous insurer
only when the Lowest Floor Elevation (LFE) and BFE
are provided. The elevation information on the previous
declarations page must be validated when there is
a discrepancy in the building description (e.g., the
Application shows a basement or an enclosure and
the declarations page does not, or the Application
describes a non-elevated building and the declarations
page describes an elevated building).
A PRP requires documentation of eligibility including
verification of the flood zone.
An RCBAP requires all information needed to issue
and rate the policy, including photos and RCV
documentation.
When an agent/producer moves his or her book of
business from 1 insurer to another, or when an insurer
acquires another's book of business, photographs are
not required. However, when transferring an individual
policy, the photograph requirement applies.
G agents'/Producers' Commissions (direct
business only)
The earned commission may be paid only to property
or casualty insurance agents/producers duly licensed
by a state insurance regulatory authority. It shall not
be less than $10 and is computed for both new and
renewal policies as follows: Based on the Total Prepaid
Amount (less the Federal Policy Fee) for the policy
term, the commission will be 15 percent of the first
$2,000 of annualized premium and 5 percent on the
excess of $2,000.
Calculated commissions for mid-term endorsements
and cancellation transactions will be based upon the
same commission percentage that was paid at the
policy term's inception.
Commissions for all Scheduled Building Policies are
computed as though each policy were separately
written.
For calculation of commission on an RCBAP, see the
Condominiums section.
H Contract agent rule
A "Contract Agent" is an employee of a WYO Company,
or an agent/producer under written contract with a WYO
Company, empowered to act on the company's behalf
and with authority to advise an applicant for flood
insurance that the company will accept the risk. The
effective date for a policy written through a Contract
Agent has a waiting period that begins on the agent's/
producer's or employee's receipt of the premium and
completion of the application.
An agent/producer under written contract to a WYO
Company is not a Contract Agent if the WYO Company
reserves the right to reject the risk.
To establish a Contract Agent relationship acceptable
to the NFIP, the WYO Company must include the
stipulations above in its written contract with the
agent/producer or employee.
Gr 15 May 1, 2011
aPPlICaTIoN
I uSe of THe forM
The National Flood Insurance Program (NFIP) Flood
Insurance Application form, or a similar form for Write
Your Own (WYO) Companies, must be used for all flood
insurance policies except the Preferred Risk Policy
(PRP). For a Scheduled Building Policy, an Application
must be completed for each building and/or contents
for which coverage is requested. See the Scheduled
Building Policy subsection in this section.
This section includes important guidance to carry out
the regulatory intent and instructions for rating of the
different building types.
The flood insurance rate to be applied to a building in
the NFIP is determined by establishing:
? Whether the building is Post-FIRM construction or
Pre-FIRM construction.
? The building description with regard to:
? Building occupancy;
? Building type;
? Basement type;
? Elevated building type.
? The flood risk zone.
? The elevation of the building.
II CoMPleTING ParT 1 of THe flood
INSuraNCe aPPlICaTIoN forM
The following are instructions for completing Part 1 of
the Flood Insurance Application form.
a Policy Status
Check the appropriate box to indicate if the Application
is for a NEW policy or RENEWAL of an existing policy.
If the Application is for a renewal, enter the current
10-digit policy number.
b Policy Term
Enter the policy effective date and policy expiration date
(month/day/year).Check thebox for theapplicablewaiting
period. The effective date of the policy is determined by
adding the appropriate waiting period, if applicable, to
the date of application listed in the "Signature" section.
The standard waiting period is 30 days.
NoTe: Refer to the Effective Date subsection of
the General Rules section for exceptions to the
standard waiting period.
C agent Information
Enter the agent's/producer's name, agency name
and number, address, city, state, ZIP Code, phone
number, and fax number. Enter the agent's/producer's
Tax I.D. Number.
d Insured Mailing address
Enter the name, mailing address, city, state, ZIP Code,
and telephone number of the insured.
If the insured's mailing address is a post office box or
a rural route number, or if the address of the property
to be insured is different from the mailing address,
the "Property Location" section of the Application
must be completed. If there is more than 1 building
at the property location, see "F. Property Location" for
further instructions.
e disaster assistance
Check the appropriate box to indicate who should
receive the renewal bill. If BILL FIRST MORTGAGEE Check YES if flood insurance is being required for
is checked, complete "Mortgagee" section. If BILL disaster assistance. Identify the Government (disaster)
SECOND MORTGAGEE, BILL LOSS PAYEE, or BILL agency and enter the insured's case file number.
OTHER is checked, complete the "Second Mortgagee/
Other" section. If NO is checked, no further information is required.
aPP 1 May 1, 2011
f Property location
Check YES if the location of the property being insured
is the same as the insured's mailing address entered
in the "Insured Mailing Address" section. Leave the
rest of the section blank unless there is more than 1
building at the property location.
If NO is checked, provide the address or location of the
property to be insured.
If the insured's mailing address is a post office box
or rural route number, give the street address, legal
description, or geographic location of the property.
If more than 1 building is at the location of the insured
property, use the "Property Location" section to
specifically identify the building. An example would
be where 5 buildings with the same mailing address
and location are insured with separate policies.
Describe briefly the building (barn, silo, etc.) in this
section or submit a sketch showing the location of
the insured building to assist the NFIP in matching the
policy number to the specific building insured. A clear
description of the insured's property is important.
G Mortgagee
Enter the name, mailing address, city, state, ZIP
Code, telephone number, and fax number of the
first mortgagee. Enter the loan number. If any of this
information is not available at the time of application,
add it to the policy by submitting a change request.
For condominium association applications, do not
enter the mortgagees for the individual condominium
unit owners.
H Second Mortgagee/other
Identify the second mortgagee or the loss payee by
checking the appropriate box and entering the loan
number, the mortgagee's name, mailing address,
telephone number, and fax number.
For condominium association applications, do not
enter the mortgagees for the individual condominium
unit owners.
If more than 1 additional mortgagee or disaster
assistance agency exists, provide the requested
information on the insurance agency's letterhead and
attach the letterhead to the Application form.
I Community
Enter the Flood Insurance Rate Map (FIRM) information
that will be used for rating. Use the current map
information, unless the grandfathering rule applies.
Enter name of the county or parish where the property
is located. (Not all communities that have been
assigned NFIP community numbers are participating
in the NFIP. Policies may not be written in nonparticipating
communities.)
Enter the community identification number, map panel
number, and revision suffix of the map that will be
used for rating for the community where the building
is located. When there is only 1 panel (i.e., a flat map),
the community number will consist of only 6 digits.
Use the FIRM in effect and that has been published at
the time of presentment of premium and completion
of the Application.
NoTe: The postal address of the insured building
may not reflect the community where the
property is located. Therefore, do not rely on the
postal address when determining community
status and identification.
In addition, because of possible changes in the
FIRM, do not rely on information froma prior policy as
accurately reflecting the current FIRM information.
The current community number may also be obtained
from a flood zone determination or by checking the
NFIP Community Status Book online (http://www.
fema.gov/fema/csb.shtm) or contacting the insurer or
a local community official.
Enter the FIRM zone in the space provided. If the
program type is Emergency, leave this area blank.
If the community program type is Regular and the
building is Pre-FIRM construction, enter the FIRM zone,
if known; otherwise, enter UNKNOWN and follow the
Alternative Rating procedure explained in the Rating
section of this manual. UNKNOWN cannot be used for
manufactured homes or other buildings located in a
community having flood zones V or V1-V30 (VE).
aPP 2 May 1, 2011
Check if the community is in the Regular Program or
the Emergency Program.
NoTe: If the community contains a Coastal Barrier
Resources System (CBRS) or Otherwise Protected
Area (OPA), see the CBRS section for additional
information.
Check YES if the grandfathering rule is being applied,
and complete this section; otherwise, check NO.
If YES:
? Check whether the building is eligible for
grandfathering under the built-in-compliance or the
continuous-coverage provision.
? Enter the prior policy number if grandfathering under
continuous coverage.
? Enter the current community identification number,
map panel number, suffix, FIRM zone, and, if
applicable, the BFE. Do not use this map information
for rating.
Check YES if the building is owned by a state
government; otherwise, check NO.
Check YES if the building is located on Federal land;
otherwise, check NO.
NoTe: If the property is federally leased, refer to the
Leased Federal Property section for guidance.
J building
Complete all required information in this section.
? Building occupancy
Check the type of occupancy for the building
(i.e., single family, 2-4 family, other residential, or
non-residential).
? Single Family - A residential single-family dwelling;
incidental occupancies are permitted if limited
to less than 50 percent of the building's total
floor area.
NoTe: Incidental occupancies are offices, private
schools, studios, or small service operations
within a residential building.
? 2-4 Family - A residential building containing
no more than 4 dwelling units; incidental
occupancies are permitted if the total area of
such occupancies is limited to less than 25
percent of the total floor area within the building.
This excludes hotels and motels with normal
room rentals for less than 6 months.
? Other Residential - These include apartment
buildings as well as hotels, motels, tourist homes,
and rooming houses that have more than 4
units where the normal occupancy of a guest is
6 months or more. These buildings are permitted
incidental occupancies. The total area of incidental
occupancy is limited to less than 25 percent of the
total floor area within the building. Examples of
other residential buildings include dormitories and
assisted-living facilities.
? Non-Residential (including hotel/motel) - These
include, but are not limited to: small business
concerns, churches, schools, farm buildings
(including grain bins and silos), garages,
poolhouses, clubhouses, recreational buildings,
mercantile buildings, agricultural and industrial
buildings, warehouses, nursing homes, licensed
bed and breakfasts, and hotels and motels with
normal room rentals for less than 6 months.
? Basement/enclosure/crawlspace/subgrade
crawlspace
Check whether the building contains:
? Basement - Any area of the building, including any
sunken room or sunken portion of a room, having
its floor below ground level (subgrade) on all sides.
? Enclosure - That portion of an elevated building below
the lowest elevated floor that is either partially or
fully shut in by rigid walls. A garage below or attached
to an elevated building is considered an enclosure.
NoTe: A finished (habitable) area is an enclosed
area that has more than 20 linear feet of
finished interior walls (paneling, etc.).
An unfinished area is an enclosed area that
is used only for the parking of vehicles,
building access, or storage purposes and that
does not meet the definition of a finished
(habitable) area.
aPP 3 May 1, 2011
? Crawlspace - In an elevated building, an underfloor
space that has its interior floor area (finished
or not) no more than 5 feet below the top of the
next-higher floor.
? Subgrade Crawlspace - A crawlspace foundation
where the subgrade under-floor area is no more
than 5 feet below the top of the next-higher floor
and no more than 2 feet below the lowest adjacent
grade on all sides. (A building with a subgrade
crawlspace is not an elevated building.)
Select NONE if the enclosure or crawlspace is not the
lowest floor for rating. In all zones with the exception
of zones V, VE, V1-V30, thismeans that the enclosure
has proper openings, is unfinished, and is used only
for building access, parking, or storage.
Select NONE for a Post-FIRM V-Zone building
constructed before October 1, 1981, if the enclosure
is less than 300 square feet with breakaway walls
and no machinery or equipment, is unfinished, and
is used only for building access, parking, or storage.
Select NONE if coverage is for an individual unit in
a High-Rise Condominium building that is elevated
with an enclosure.
NoTe: If NONE is selected, use the without
basement/enclosure/crawlspace/subgrade
crawlspace rates.
? number of Floors or Building type
Indicate the number of floors in the entire building,
including the basement/enclosed area if applicable,
in the appropriate space.
If the building's enclosure or crawlspace is eligible
for exclusion from rating, do not count the
enclosed area as a floor. See the explanation
under "Basement/Enclosure/Crawlspace/Subgrade
Crawlspace" for eligibility of exclusion from rating.
? 1 Floor - excludes unfinished attic;
? 2 Floors - includes basement, enclosure,
crawlspace, and subgrade crawlspace;
? 3 or More Floors - includes basement, enclosure,
crawlspace, and subgrade crawlspace;
? Split Level - A foundation with a vertical offset in
the floor framing on either side of a common wall;
? Townhouses/Rowhouses (RCBAP low-rise only) - A
row of homes sharing at least 1 common wall;
? Manufactured (Mobile) Home or Travel Trailer -
Must be built on a permanent chassis and affixed
to a permanent foundation, regardless of size.
A serial number must be provided in Part 2 of
the Application.
? number of occupancies (Units)
For other than single-family dwellings, indicate the
number of units in the building.
? condominium information
? Form of Ownership
Check YES if the building is under a condominium
form of ownership; otherwise, check NO. (A
homeowners association [HOA] may or may not be
in a condominium form of ownership.) Refer to the
Condominiums section for rating guidelines.
? Condominium Coverage
If condominium coverage is being purchased,
indicate whether the coverage is for a condominium
unit or the entire condominium building.
? Residential Condominium Building Association
Policy (RCBAP)
For an RCBAP, enter the total number of units
(including non-residential) within the building
and indicate whether the building is a high-rise
or low-rise. The RCBAP covers only a residential
condominium building in a Regular Program
community.
- High-Rise Building - A condominium building
having 5 or more units and at least 3 floors
excluding enclosures.
- Low-Rise Building - A condominium building
having fewer than 5 units regardless of the
number of floors, or 5 or more units with fewer
than 3 floors including a basement.
aPP 4 May 1, 2011
? estimated Replacement cost
Using normal company practice, estimate the
Replacement Cost Value (RCV) and enter the value in
the space provided. Include the cost of the building
foundation when determining the RCV.
? insured's Principal Residence
Check YES if the building is the policyholder's
principal residence; otherwise, check NO.
? Building in the course of construction
Check YES if the building is in the course of
construction (if the building is not yet walled and
roofed); otherwise, check NO.
? Building Walled and Roofed
Check YES if the building has at least 2 outside rigid
walls and a fully secured roof; otherwise, check NO.
? Buildings over Water
Check NO if the building is not located over water.
Check PARTIALLY if any part of the building is over
water. Check ENTIRELY if the building is completely
over water. In tidal areas, use the mean high tide in
determining if the building is partially or entirely over
water. For Post-FIRM buildings located completely
over water, use the Submit-for-Rate procedures in
the Rating section of the manual.
? elevated Building
Check YES if the building is an elevated building;
otherwise, check NO. An elevated building is a
building that has no basement and that has its
lowest elevated floor raised above ground level by
foundation walls, shear walls, posts, piers, pilings,
or columns.
If the building is elevated, indicate in the next box
whether the area below the lowest elevated floor is
free of obstruction or with obstruction. An obstruction
is a partially or fully enclosed area, or machinery
and equipment, below the lowest elevated floor of
the building.
? Building Use
Check the box that indicates the insured building's
use. If OTHER, describe the building use.
? Manufactured (Mobile) Homes and Travel Trailers
For all manufactured (mobile) homes and travel
trailers, complete Part 2 on the back of the Flood
Insurance Application after you have completed
Part 1.
K Contents
Check the box that describes the location of the
contents to be insured. Check YES if personal
property is household contents; otherwise, check NO
and describe.
l Construction data
1. Construction Date
Check 1 of the 5 boxes in the first part of this section.
Enter the appropriate date in the Date box.
? Building Permit Date
Select this box if construction began within 180 days
of the building permit date and enter the building
permit date.
? Date of construction
Select this box if construction began more than 180
days after the building permit date and enter the
date of the start of construction.
aPP 5 May 1, 2011
? substantial improvement Date
Select this box if the building has been substantially
improved or damaged. If the building has been
substantially improved, enter the date that
substantial improvement started or the building
permit date. If the building has been substantially
damaged, enter the date that substantial
damage occurred.
Substantial improvement is any reconstruction,
rehabilitation, addition, or other improvement of a
building, the cost of which equals or exceeds 50
percent of the market value of the building before
the start of construction of the improvement.
Substantial damage is damage of any origin
sustained by a building whereby the cost of restoring
the building to its before-damaged condition would
equal or exceed 50 percent of the market value of
the building before the damage occurred.
Do not select this box for substantial improvement
to a Pre-FIRM building where the improvement is
an addition next to and in contact with the existing
building and the lowest floor elevation of the addition
is at or above BFE. Select the Building Permit Date
box or the Date of Construction box as applicable
and enter the appropriate date.
Do not select this box if the building qualifies as a
historic building; see the Definitions section for more
information.
? Manufactured (Mobile) Homes/travel trailers Located
in a Mobile Home Park or subdivision
Select this box if the manufactured (mobile) home or
travel trailer is located inside a mobile home park or
subdivision, and enter the construction date of the
mobile home park or subdivision facilities.
? Manufactured (Mobile) Homes/travel trailers Located
outside a Mobile Home Park or subdivision
Select this box if the manufactured (mobile)
home or travel trailer is located outside a mobile
home park or subdivision, and enter the date of
permanent placement.
2. Post-FIRM Construction
Check YES if the building was constructed or
substantially improved after December 31, 1974, or on
or after the effective date of the initial FIRM for the
community, whichever is later; otherwise, check NO.
3. Elevation Information
Enter the elevation information from the Elevation
Certificate (EC) for Post-FIRM construction in zones A,
A1-A30, AE, AO, AH, V, V1-V30, or VE or for Pre-FIRM
construction that is elevation rated. Attach the EC and
dated photographs taken within 90 days of the date
of application.
When the building is in the course of construction, the
elevation information provided by the surveyor on the
EC must be based on the proposed architectural plans.
In communities that participate in the NFIP's Community
Rating System (CRS), building elevation information
may be available from the community office in charge
of building permits or floodplain management.
? Building Diagram number
Enter the building diagram number from the EC.
Applications for buildings rated using the Floodproofing
Certificate do not require a diagram number.
? Lowest adjacent Grade
Enter the Lowest Adjacent Grade from the EC.
The Lowest Adjacent Grade is not required for
buildings located in AO Zones and buildings in
unnumbered A Zones and unnumbered V Zones
without a BFE.
Applications for buildings rated using the
Floodproofing Certificate do not require a Lowest
Adjacent Grade.
? elevation certification Date
Enter the date the EC was signed.
? Lowest Floor elevation
Enter the Lowest Floor Elevation from the EC. To
determine the lowest floor for rating, see the Lowest
Floor Guide section.
When entering elevation data, drop hundredths of a
foot and show only tenths of a foot. For example, if
the Lowest Floor Elevation is 10.49', enter 10.4'; do
not round up to 10.5'.
? Base Flood elevation
Enter the Base Flood Elevation from the EC.
Base Flood Elevations for Unnumbered A Zones
must be provided by the community or established
using the Flood Insurance Study (FIS) Profile. When
aPP 6 May 1, 2011
other sources are used, the community must agree
in writing with the established BFE.
Base Flood Elevations for V Zones on FIRMs dated
before January 1, 1981, may require a wave height
adjustment. See the FIRMs With Wave Heights
subsection in the Rating section for details.
? elevation Difference
Enter the Elevation Difference.
To determine the Elevation Difference, subtract
the Base Flood Elevation from the Lowest Floor
Elevation. For example, if the Lowest Floor Elevation
is 10.5' and the Base Flood Elevation is 9.0', then
the Elevation Difference is +1.5' (10.5' - 9.0' = 1.5'),
which is rounded to the nearest foot, which is +2'.
? in Zones V1-V30 only, Does Base Flood elevation
include effects of Wave action?
Check YES if the Base Flood Elevation includes the
effects of wave action; otherwise, select NO. See the
FIRMs With Wave Heights subsection in the Rating
section for details.
? is Building Floodproofed?
Check YES if the building is floodproofed; otherwise,
check NO. To receive credit for floodproofing,
the completed Floodproofing Certificate must
be submitted.
NoTe: Buildings in V Zones on the current FIRM are
not eligible for the floodproofing credit.
The residential floodproofing rating credit may be
grandfathered for those residential buildings with a
valid Residential Basement Floodproofing Certificate
that were constructed between the effective date of
the community's floodproofing eligibility and their
rescission date, but not on or after the rescission
date. (See the Special Certifications section for a list
of communities approved for residential basement
floodproofing.)
M Coverage and rating
? Deductible and Deductible Buyback
Enter the deductible amount for building and/or
contents. (See information on deductibles in the
Rating and Condominiums sections.)
Check YES to indicate if the applicant is "buying
back" a deductible; otherwise, check NO. (Refer
to the Rating section for information on the
deductible buyback.)
? coverage
Enter the desired coverage limits. For information
on coverage limits available, see the "Amount of
Insurance Available" table in the Rating section.
? Rating
Enter the rates. Add additional charges/credits,
i.e., deductible reduction/increase, ICC Premium,
CRS Premium Discount, Probation Surcharge (if
any), and Federal Policy Fee. Calculate the Total
Prepaid Amount. For the CRS discounts, see the
Community Rating System Eligible Communities list
in the Community Rating System section. For rating
examples, see the end of the Rating section.
? Rate type
Check the applicable rate type:
? Manual - Used to rate a policy using the rate tables
provided in the NFIP Flood Insurance Manual.
? Alternative - Used when a building is Pre-FIRM,
the FIRM zone is unknown, and the community in
which the building is located has no V Zones.
? Provisional Rating - Used for placing flood coverage
prior to the receipt of an EC. It is expected that an
EC will be secured and standard rating completed
within 60 days of the Policy Effective Date.
? Mortgage Portfolio Protection Program (MPPP) -
Used by lending institutions tomaintain compliance
with the Flood Disaster Protection Act of 1973, as
amended. Policies written under the MPPP can be
placed only through a WYO Company.
? Submit for Rating - Used to rate a building for
which no risk rate is published in the NFIP Flood
Insurance Manual.
? V-Zone Risk Factor Rating Form - Used when
a rating credit is granted based on the design,
placement, and/or construction information
provided on the V-Zone Risk Factor Rating Form.
? Leased Federal Property - Used when applying
for coverage for buildings leased from the Federal
Government that the Administrator determines
are located on the river-facing side of any dike,
aPP 7 May 1, 2011
levee, or other riverine flood control structure,
or seaward of any seawall or other coastal flood
control structure. (For more information, refer to
the Leased Federal Property section.)
? Payment option
Check CREDIT CARD if paying by VISA, MasterCard,
Discover, or American Express. Otherwise, check
OTHER and describe the payment method. Payment
must be for the Total Prepaid Amount, payable to the
insurer, and accompany the Application.
For credit card payments, a disclaimer form, signed
by the insured, must be submitted with the Flood
Insurance Application. The disclaimer will state that
cancellation of a policy due to a billing dispute will
be permitted only for a billing error or fraud. If the
credit card information is taken over the telephone
by the agent, the agent may sign the authorization
form on behalf of the payor only after having read the
disclaimer to the payor.
N Signature
The agent/producer must sign and date the Application
and is responsible for the completeness and accuracy
of the information provided on it.
NoTe: The waiting period, if applicable, is added to this
date to determine the policy effective date entered
in the Policy Term section of the Application.
Electronic transactions are permitted if the business
process includes authentication of signatures and
dates of receipt of premium. WYO Companies
are responsible for determining the business
practices and transaction authentication methods
they will use to ensure the security and integrity of
such transactions.
III CoMPleTING ParT 2 of THe flood
INSuraNCe aPPlICaTIoN forM
After completing Part 1 of the Flood Insurance
Application, the agent/producer must complete all
relevant items in Part 2 for all buildings.
a Section I - all building Types
1. Enter the Building Diagram number that best
describes the building, as provided on the EC. If an
EC is not provided, select and enter the appropriate
Building Diagram number from the EC instructions
located in the Special Certifications section.
2.-4. Enter the requested information, if applicable.
All measurements are rounded to the nearest foot
using the ground (grade) immediately next to the
building.
5. Check the applicable boxes for items 5a and 5b.
If OTHER is checked in item 5b, provide a brief
description of the source.
6. If the answer to 6a is YES, select the applicable
answer to 6b; otherwise, disregard 6b. If the
answer to 6b is YES, check the applicable items.
aPP 8 May 1, 2011
7. If the answer to 7a is YES, complete 7b through 7f.
If the answer to 7a is NO, disregard 7b through 7f.
b Section II - elevated buildings
This section is required for all elevated buildings,
including manufactured (mobile) homes/travel trailers.
8. Check the type of elevating foundation used for
the building.
NoTe: Solid perimeter walls means foundation
walls as shown in Building Diagram numbers
7 and 8.
9. If the area below the elevated floor contains
machinery or equipment, check YES and check the
applicable items; otherwise, check NO.
In 10b, enter the square footage of the total
enclosed area below the elevated floor.
If answer to 10c is YES, check the applicable box;
otherwise, check NO.
For Post-FIRM buildings in V Zones, elevated on
solid perimeter foundation walls, submit the
Application to the insurer for rating.
NoTe: In V Zones, if the area below the elevated
floor appears to be enclosed using masonry
walls in the submitted photographs and these
walls are represented as being breakaway
walls on the Application, provide certification
of breakaway walls signed by a local building
official, an engineer, or an architect.
Check YES in 10d if the area is constructed
with a minimum of 2 openings (excluding doors);
otherwise, check NO.
The openings must be positioned on at least 2
walls and have a total net area of not less than 1
square inch for every square foot of enclosed area.
If the enclosure is partially subgrade, a minimum
of 2 openings must be provided, with positioning
on a single wall adjacent to the lowest grade next
to the building.
The bottom of all openings must be no higher than
1 foot above the higher of the exterior or interior
adjacent grade or floor immediately below the
openings. Enter the number of openings and the
total area of all openings in square inches.
10. If the answer to 10a is YES, complete 10b through
10f. If the answer to 10a is NO, disregard 10b
through 10f.
aPP 9 May 1, 2011
Check YES in 10e if the enclosed area/crawlspace
is used for any purpose other than solely for
parking of vehicles, building access, or storage,
and provide a description; otherwise, check NO.
Check YES in 10f if the enclosed area/garage has
more than 20 linear feet of interior finished wall,
paneling, etc.; otherwise, check NO.
C. Section III - Manufactured (Mobile) Homes/
Travel Trailers
11. Enter the make, year of manufacture, model
number, and serial number.
12. Enter the dimensions, excluding any permanent
addition or extension to the manufactured (mobile)
home or travel trailer.
13. Check YES if permanent additions or extensions
are present; otherwise, check NO. If YES, enter
dimensions.
14. Check the box describing the anchoring system. If
OTHER is checked, describe the anchoring system.
15. Check the box describing how the manufactured
(mobile) home was installed.
16. Check YES if the manufactured (mobile) home is
located in a manufactured (mobile) home park or
subdivision; otherwise, check NO.
IV SCHeduled buIldING PolICY
The Scheduled Building Policy is available to cover 2
to 10 buildings. The policy requires a specific amount
of insurance to be designated for each building. To
qualify, all buildings must have the same ownership
and the same location. The properties on which the
buildings are located must be contiguous.
Complete a separate Application for each building
and/or contents for which coverage is requested. Write
"Building #1", "Building #2", etc., in the upper right
corner of each Application. Staple the applications
together as a single unit.
All Flood Insurance Application forms must be
completed in accordance with all NFIP Flood Insurance
Manual rules and the Scheduled Building Policy
qualifications above.
For each scheduled building (building and/or contents
coverage), the Federal Policy Fee is $40 per building.
V MaIlING INSTruCTIoNS
Upon completion of all sections of the Application,
attach all required certifications and other documents
to the Application, along with a check, draft, or
money order made payable to the insurer for the Total
Prepaid Amount.
If paying by VISA, MasterCard, Discover, or American
Express, submit a disclaimer form, signed by the
insured, with the Flood Insurance Application. The
disclaimer will state that cancellation of a policy due to
a billing dispute will be permitted only for a billing error
or fraud. If the credit card information is taken over the
telephone by the agent/producer, the agent/producer
may sign the authorization form on behalf of the payor
only after having read the disclaimer to the payor.
Mail the original copy of the completed Application
packet as described above with the Total Prepaid
Amount to the insurer. Retain a copy of the Application
and supporting documents for the agency file and
distribute copies of the Application to the applicant and
the mortgagee. A copy of the Application and a copy
of the premium payment are sufficient to satisfy the
mortgagee's proof-of-purchase requirements.
After receipt of the Application and Total Prepaid Amount,
the insurer will process the Application and issue the
aPP 10 May 1, 2011
policy. The policy contract and declarations page will be
mailed to the insured. Copies of the declarations page
will be mailed to the agent/producer and mortgagee(s).
VI HaNdlING of INCoMPleTe or INCorreCT
aPPlICaTIoNS
If an Application is not complete, or if the information
presented on it is not correct, a policy will not be
issued. The Application may be placed in a pending
file until the agent/producer provides the complete or
correct information.
For NFIP Direct business, if necessary information is not
provided, a policy may be issued using Tentative Rates.
If sufficient information is not available to tentatively
rate the policy, the Application may be rejected and
the premium refunded. In the case of an incomplete
Application, the NFIP Servicing Agent will send the
agent/producer a letter requesting the necessary
information. Copies of this letter will be provided to
the named insured and mortgagee(s). The agent/
producer should provide the necessary information to
the NFIP Servicing Agent. If the necessary information
is not provided, the Application will be rejected and the
premium refunded.
If the premium received is not enough to buy the kind
and amount of coverage requested, the policy will be
issued for only the kind and amount of coverage that
can be purchased for the premium payment received.
Therefore, it is important that underpayment errors be
corrected immediately.
In the case of an underpayment, when both building
coverage and contents coverage have been requested,
the coverage reductionwill be prorated between building
and contents in accordance with NFIP rules. The ratio
of building to contents coverage for the full requested
coverage will be used to determine the portion of the
submitted premium available to purchase building and
contents coverage.
aPP 11 May 1, 2011
this page is intentionally left blank.
aPP 12 May 1, 2011
aPP 13 May 1, 2011
aPP 14 May 1, 2011
aPP 15 May 1, 2011
raTING
This section contains information, including rate
tables, required to accurately rate a National
Flood Insurance Program (NFIP) flood insurance
policy. Information and rates for the Preferred Risk
Policy (PRP) and Residential Condominium Building
Association Policy (RCBAP) are found in their
respective sections.
I aMouNT of INSuraNCe aVaIlable
The detailed drawings, and accompanying text and
tables, in the Lowest Floor Guide section are to be
used as a guide for identifying the lowest floor for
rating buildings. This guide will assist in developing
the proper rate for the building. Examples of some
rating situations are shown at the end of this section.
EMERGENCY
REGULAR PROGRAM
Basic Additional Total
BUILDING COVERAGE PROGRAM Insurance Limits Insurance Limits Insurance Limits
Single-Family Dwelling $ 35,000 * $ 60,000 $190,000 $250,000
2-4 Family Dwelling $ 35,000 * $ 60,000 $190,000 $250,000
Other Residential $100,000 ** $175,000 $ 75,000 $250,000
Non-Residential $100,000 ** $175,000 $325,000 $500,000
CONTENTS COVERAGE
Residential $ 10,000 $ 25,000 $ 75,000 $100,000
Non-Residential $100,000 $150,000 $350,000 $500,000
* In Alaska, Guam, Hawaii, and U.S. Virgin Islands, the amount available is $50,000.
** In Alaska, Guam, Hawaii, and U.S. Virgin Islands, the amount available is $150,000.
NOTE: For the RCBAP, refer to the Condominiums section for basic insurance limits and maximum amount of
insurance available.
II raTe TableS
Rate tables are provided for the Emergency Program tentative rates (for more information, see the Tentative
and for the Regular Program according to Pre-FIRM, Rates subsection in this section). See Table 7 for
Post-FIRM, and zone classifications. Tables 1-5 show Federal Policy Fee and Probation Surcharge.
annual rates per $100 of coverage. Table 6 provides
Table 1 eMerGeNCY ProGraM raTeS
ANNUAL RATES PER $100 OF COVERAGE
(Basic/Additional)
BUILDING CONTENTS
Residential .76 .96
Non-Residential .83 1.62
raTe 1 May 1, 2011
Table 2 reGular ProGraM - Pre-fIrM CoNSTruCTIoN raTeS1, 2
ANNUAL RATES PER $100 OF COVERAGE
(Basic/Additional)
FIRM ZONES A, AE, A1-A30, AO, AH, D
OCCUPANCY
SINGLE FAMILY 2-4 FAMILY OTHER RESIDENTIAL NON-RESIDENTIAL
Building Contents Building Contents Building Contents Building Contents
BUILDING TYPE
No Basement/Enclosure
With Basement
With Enclosure
Elevated on Crawlspace
Non-Elevated with Subgrade
Crawlspace
Manufactured (Mobile) Home3
.76 / .60
.81 / .88
.81 /1.06
.76 / .60
.76 / .60
.76 / .60
.96 /1.07
.96 / .90
.96 /1.07
.96 /1.07
.96 / .90
.96 /1.07
.76 / .60
.81 / .88
.81 /1.06
.76 / .60
.76 / .60
.76 /1.24
.76 /1.03
.81 /1.30
.76 /1.24
.76 /1.24
.83 /1.19
.88 /1.17
.88 /1.47
.83 /1.19
.83 /1.19
.83 /1.19
CONTENTS LOCATION
Basement & Above4
Enclosure & Above5
Lowest Floor Only - Above
Ground Level
Lowest Floor Above Ground Level
and Higher Floors
Above Ground Level -
More Than One Full Floor
Manufactured (Mobile) Home3
.96 / .90
.96 /1.07
.96 /1.07
.96 / .74
.35 / .14
.96 / .90
.96 /1.07
.96 /1.07
.96 / .74
.35 / .14
1.62 /2.00
1.62 /2.39
1.62 /1.05
1.62 / .90
.24 / .14
1.62 /1.05
FIRM ZONES V, VE, V1-V30
OCCUPANCY
SINGLE FAMILY 2-4 FAMILY OTHER RESIDENTIAL NON-RESIDENTIAL
Building Contents Building Contents Building Contents Building Contents
BUILDING TYPE
No Basement/Enclosure
With Basement
With Enclosure
Elevated on Crawlspace
Non-Elevated with Subgrade
Crawlspace
Manufactured (Mobile) Home3
.99 /1.54
1.06 /2.30
1.06 /2.72
.99 /1.54
.99 /1.54
.99 /6.11
1.23 / 2.64
1.23 / 2.23
1.23 / 2.63
1.23 / 2.64
1.23 / 2.23
1.23 / 2.63
.99 /1.54
1.06 /2.30
1.06 /2.72
.99 /1.54
.99 /1.54
.99 /2.85
1.06 /4.26
1.06 /4.76
.99 /2.85
.99 /2.85
1.10 / 2.96
1.16 / 4.40
1.16 / 4.91
1.10 / 2.96
1.10 / 2.96
1.10 /10.49
CONTENTS LOCATION
Basement & Above4
Enclosure & Above5
Lowest Floor Only - Above
Ground Level
Lowest Floor Above Ground Level
and Higher Floors
Above Ground Level -
More Than One Full Floor
Manufactured (Mobile) Home3
1.23 /2.23
1.23 /2.63
1.23 /2.63
1.23 /2.32
.47 / .34
1.23 /2.23
1.23 /2.63
1.23 /2.63
1.23 /2.32
.47 / .34
2.14 / 5.20
2.14 / 5.61
2.14 / 4.70
2.14 / 4.06
.45 / .45
2.14 / 9.80
FIRM ZONES A99, B, C, X
OCCUPANCY
SINGLE FAMILY 2-4 FAMILY OTHER RESIDENTIAL NON-RESIDENTIAL
Building Contents Building Contents Building Contents Building Contents
BUILDING TYPE
No Basement/Enclosure
With Basement
With Enclosure
Elevated on Crawlspace
Non-Elevated with Subgrade
Crawlspace
Manufactured (Mobile) Home3
.86 / .23
.98 / .33
.98 / .37
.86 / .23
.86 / .23
.86 / .42
1.32 / .41
1.49 / .47
1.49 / .54
1.32 / .41
1.32 / .41
1.32 / .41
.86 / .23
.98 / .33
.98 / .37
.86 / .23
.86 / .23
.81 / .23
1.04 / .33
1.04 / .37
.81 / .23
.81 / .23
.81 / .23
1.04 / .33
1.04 / .37
.81 / .23
.81 / .23
1.04 / .43
CONTENTS LOCATION
Basement & Above4
Enclosure & Above5
Lowest Floor Only - Above
Ground Level
Lowest Floor Above Ground Level
and Higher Floors
Above Ground Level -
More Than One Full Floor
Manufactured (Mobile) Home3
1.68 / .62
1.68 / .71
1.32 / .65
1.32 / .41
.39 / .13
1.68 / .62
1.68 / .71
1.32 / .65
1.32 / .41
.39 / .13
1.73 / .67
1.73 / .80
1.06 / .47
1.06 / .34
.24 / .13
.93 / .58
1 Pre-FIRM construction refers to a building that has a date of construction or substantial improvement date on or before 12/31/74, or
before the effective date of the initial Flood Insurance Rate Map (FIRM).
2 Pre-FIRM buildings with subgrade crawlspaces that are below the Base Flood Elevation (BFE) may use optional Post-FIRM elevation
rating. Follow the Submit-for-Rate procedures for policy processing.
3 The definition of Manufactured (Mobile) Home includes travel trailers; see the Definitions section.
4 Includes subgrade crawlspace.
5 Includes crawlspace.
raTe 2 May 1, 2011
Table 3a reGular ProGraM - PoST-fIrM CoNSTruCTIoN raTeS
ANNUAL RATES PER $100 OF COVERAGE
(Basic/Additional)
FIRM ZONES A99, B, C, X
OCCUPANCY
SINGLE FAMILY 2-4 FAMILY OTHER RESIDENTIAL NON-RESIDENTIAL
Building Contents Building Contents Building Contents Building Contents
BUILDING TYPE
No Basement/Enclosure
With Basement
With Enclosure
Elevated on Crawlspace
Non-Elevated with Subgrade
Crawlspace
Manufactured (Mobile) Home1
.86 / .23
.98 / .33
.98 / .37
.86 / .23
.86 / .23
.86 / .42
1.32 / .41
1.49 / .47
1.49 / .54
1.32 / .41
1.32 / .41
1.32 / .41
.86 / .23
.98 / .33
.98 / .37
.86 / .23
.86 / .23
.81 / .23
1.04 / .33
1.04 / .37
.81 / .23
.81 / .23
.81 / .23
1.04 / .33
1.04 / .37
.81 / .23
.81 / .23
1.04 / .43
CONTENTS LOCATION
Basement & Above2
Enclosure & Above3
Lowest Floor Only - Above
Ground Level
Lowest Floor Above Ground Level
and Higher Floors
Above Ground Level -
More Than One Full Floor
Manufactured (Mobile) Home1
1.68 / .62
1.68 / .71
1.32 / .65
1.32 / .41
.39 / .13
1.68 / .62
1.68 / .71
1.32 / .65
1.32 / .41
.39 / .13
1.73 / .67
1.73 / .80
1.06 / .47
1.06 / .34
.24 / .13
.93 / .58
FIRM ZONE D
OCCUPANCY
SINGLE FAMILY 2-4 FAMILY OTHER RESIDENTIAL NON-RESIDENTIAL
Building Contents Building Contents Building Contents Building Contents
BUILDING TYPE
No Basement/Enclosure
With Basement
With Enclosure
Elevated on Crawlspace
Non-Elevated with Subgrade
Crawlspace
Manufactured (Mobile) Home1
1.24 / .35
***
***
1.24 / .35
1.24 / .35
1.61 / .70
1.11 / .65
***
***
1.11 / .65
1.11 / .65
1.31 / .75
1.24 / .35
***
***
1.24 / .35
1.24 / .35
1.20 / .60
***
***
1.20 / .60
1.20 / .60
1.20 / .60
***
***
1.20 / .60
1.20 / .60
2.45 / .87
CONTENTS LOCATION
Basement & Above2
Enclosure & Above3
Lowest Floor Only - Above
Ground Level
Lowest Floor Above Ground Level
and Higher Floors
Above Ground Level -
More Than One Full Floor
Manufactured (Mobile) Home1
***
***
1.11 / .65
1.11 / .45
.35 / .12
***
***
1.11 / .65
1.11 / .45
.35 / .12
***
***
1.75 / .56
1.75 / .54
.22 / .12
1.75 / .56
FIRM ZONES AO, AH (No Basement/Enclosure/Crawlspace/Subgrade Crawlspace Buildings Only)4
OCCUPANCY
BUILDING CONTENTS
1-4 Family Other Res & Non-Res Residential Non-Residential
With Certification of Compliance5 .28 / .08 .23 / .08 .38 / .13 .23 / .13
Without Certification of Compliance or Elevation Certificate6 1.02 / .21 1.10 / .32 1.17 / .22 1.97 / .29
1 The definition of Manufactured (Mobile) Home includes travel trailers; see the Definitions section.
2 Includes subgrade crawlspace.
3 Includes crawlspace.
4 Zones AO, AH Buildings with Basement/Enclosure/Crawlspace/Subgrade Crawlspace: follow Submit-for-Rate procedures.
5 "With Certification of Compliance" rates are to be used when the Elevation Certificate shows that the lowest floor is equal to or greater
than the community's elevation requirement.
6 "Without Certification of Compliance" rates are to be used only on Post-FIRM structures without an Elevation Certificate or when the
Elevation Certificate shows that the lowest floor elevation of a Post-FIRM structure is less than the community's elevation requirement.
***SubMIT for raTING
raTe 3 May 1, 2011
Table 3b reGular ProGraM - PoST-fIrM CoNSTruCTIoN raTeS
ANNUAL RATES PER $100 OF COVERAGE
(Basic/Additional)
FIRM ZONES AE, A1-A30 - BUILDING RATES
Elevation of
Lowest Floor
Above or
Below BFE1
ONE FLOOR
No Basement/Enclosure/
Crawlspace2
MORE THAN ONE FLOOR
No Basement/Enclosure/
Crawlspace2
MORE THAN ONE FLOOR
With Basement/Enclosure/
Crawlspace2
MANUFACTURED
(MOBILE) HOME3
1-4 Family
Other
Residential
& Non-
Residential 1-4 Family
Other
Residential
& Non-
Residential 1-4 Family
Other
Residential
& Non-
Residential
Single
Family
Non-
Residential
+4 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .26 /.09 .22 / .09
+3 .27 / .08 .22 / .09 .25 / .08 .20 / .08 .25 / .08 .20 / .08 .28 /.09 .24 / .09
+2 .42 / .08 .29 / .09 .28 / .08 .23 / .08 .27 / .08 .22 / .08 .48 /.09 .37 / .10
+1 .73 / .10 .52 / .11 .52 / .09 .32 / .09 .34 / .09 .26 / .09 .92 /.11 .75 / .13
0 1.60 / .12 1.47 / .14 1.17 / .11 .88 / .17 .82 / .10 .67 / .16 2.39 / .13 1.92 / .20
-14 4.30 /1.25 5.39 /1.28 3.70 / .97 3.65 / .59 2.15 / .60 1.93 / .66 *** ***
-2 *** *** *** *** *** *** *** ***
FIRM ZONES AE, A1-A30 - CONTENTS RATES
Elevation of
Lowest Floor
Above or
Below BFE1
LOWEST FLOOR ONLY -
ABOVE GROUND LEVEL
No Basement/Enclosure/
Crawlspace2
LOWEST FLOOR ABOVE GROUND
LEVEL & HIGHER FLOORS
No Basement/Enclosure/
Crawlspace2
MORE THAN ONE FLOOR
With Basement/Enclosure/
Crawlspace2
MANUFACTURED
(MOBILE) HOME3
Residential
Non-
Residential Residential
Non-
Residential Residential
Non-
Residential
Single
Family
Non-
Residential
+4 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .13
+3 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .13 .24 / .13
+2 .38 / .12 .24 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .15 .34 / .15
+1 .52 / .12 .35 / .16 .38 / .12 .25 / .12 .38 / .12 .22 / .12 .58 / .17 .53 / .23
0 1.18 / .12 .81 / .31 .67 / .12 .59 / .20 .41 / .12 .32 / .12 1.12 / .23 1.11 / .31
-14 3.45 / .70 2.29 / .90 2.00 / .47 1.53 / .60 .66 / .14 1.06 / .14 *** ***
-2 *** *** *** *** *** *** *** ***
FIRM ZONES AE, A1-A30 - CONTENTS RATES
Elevation of
Lowest Floor
Above or
Below BFE1
ABOVE GROUND LEVEL MORE THAN ONE FULL FLOOR
Single Family 2-4 Family Other Residential Non-Residential
+4 .35 / .12 .35 / .12 .22 / .12
+3 .35 / .12 .35 / .12 .22 / .12
+2 .35 / .12 .35 / .12 .22 / .12
+1 .35 / .12 .35 / .12 .22 / .12
0 .35 / .12 .35 / .12 .22 / .12
-1 .35 / .12 .35 / .12 .22 / .12
-2 .35 / .12 .35 / .12 .22 / .12
1 If Lowest Floor is -1 because of attached garage, submit application for special consideration if the building is described and
rated as a single-family dwelling; rate may be lower.
2 Includes subgrade crawlspace.
3 The definition of Manufactured (Mobile) Home includes travel trailers; see the Definitions section.
4 Use Submit-for-Rate procedures if either the enclosure below the lowest elevated floor of an elevated building or the crawlspace (underfloor
space) that has its interior floor within 2 feet below grade on all sides, which is used for rating, is 1 or more feet below BFE.
***SubMIT for raTING
raTe 4 May 1, 2011
Table 3C reGular ProGraM - PoST-fIrM CoNSTruCTIoN raTeS
ANNUAL RATES PER $100 OF COVERAGE
(Basic/Additional)
UNNUMBERED ZONE A - WITHOUT
BASEMENT/ENCLOSURE/CRAWLSPACE/SUBGRADE CRAWLSPACE1,2
Elevation
Difference
BUILDING RATES CONTENTS RATES
TYPE OF
ELEVATION CERTIFICATE
occupancy occupancy
1-4 Family
Other Residential
& Non-Residential Residential3 Non-Residential3
+5 or more .40 / .09 .40 / .12 .49 / .12 .51 / .12
No Base
Flood Elevation4
+2 to +4 1.21 / .12 1.12 / .20 .78 / .15 .80 / .21
+1 2.30 / .60 2.57 / .37 1.50 / .27 1.31 / .49
0 or below *** *** *** ***
+2 or more .44 / .08 .35 / .09 .44 / .12 .40 / .12
With
Base Flood Elevation5
0 to +1 1.19 / .13 1.02 / .19 .94 / .15 .91 / .17
-1 3.85 / 1.25 4.44 / .61 2.66 / .41 2.08 / .70
-2 or below *** *** *** ***
No Elevation Certificate6 4.45 / 1.41 5.53 /1.13 3.33 / .91 3.00 /1.20 No Elevation Certificate
1 Zone A buildings with basement/enclosure without proper openings/crawlspace without proper openings/subgrade crawlspace: follow
Submit-for-Rate procedures.
2 Pre-FIRM buildings with basement/enclosure/crawlspace/subgrade crawlspace may use this table if the rates are more favorable to the
insured. For optional rating, follow the Submit-for-Rate procedures.
3 For elevation-rated risks other than Single Family, when contents are located 1 floor or more above lowest floor used for rating - use
Table 3B, Contents Rates, Above Ground Level More Than One Full Floor.
4 Elevation difference is the measured distance between the highest adjacent grade next to the building and the lowest floor
of the building.
5 Elevation difference is the measured distance between the BFE provided by the community or registered professional engineer,
surveyor, or architect and the lowest floor of the building.
6 For buildings without basement, enclosure, or crawlspace, Elevation Certificate is optional.
***SubMIT for raTING
raTe 5 May 1, 2011
Table 3d reGular ProGraM - PoST-fIrM CoNSTruCTIoN raTeS
ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional)
FIRM ZONES '75-'81, V1-V30, VE - BUILDING RATES1
Elevation of
Lowest Floor
Above or
Below BFE
ONE FLOOR
No Basement/Enclosure/
Crawlspace2
MORE THAN ONE FLOOR
No Basement/Enclosure/
Crawlspace2
MORE THAN ONE FLOOR
With Basement/Enclosure/
Crawlspace2
MANUFACTURED
(MOBILE) HOME3
1-4 Family
Other
Residential &
Non-Residential 1-4 Family
Other
Residential &
Non-Residential 1-4 Family
Other
Residential &
Non-Residential
Single
Family
Non-
Residential
04 2.81 / .51 3.40 /1.32 2.28 / .51 2.47 / 1.23 1.97 / .51 2.20 / 1.00 4.22 / .42 6.02 / .38
-15 6.00 /3.07 8.95 /4.93 5.49 /3.07 7.70 / 3.75 3.90 / 2.79 4.08 / 3.81 *** ***
-2 *** *** *** *** *** *** *** ***
FIRM ZONES '75-'81, V1-V30, VE - CONTENTS RATES
Elevation of
Lowest Floor
Above or
Below BFE
LOWEST FLOOR ONLY -
ABOVE GROUND LEVEL
No Basement/Enclosure/
Crawlspace2
LOWEST FLOOR ABOVE GROUND
LEVEL & HIGHER FLOORS
No Basement/Enclosure/
Crawlspace2
MORE THAN ONE FLOOR
With Basement/Enclosure/
Crawlspace2
MANUFACTURED
(MOBILE) HOME3
Residential
Non-
Residential Residential
Non-
Residential Residential
Non-
Residential
Single
Family
Non-
Residential
04 4.36 / .61 3.85 / 2.82 2.83 / .67 2.69 / 1.69 1.60 /.61 1.60 / .61 4.19 / .67 4.37 / 3.60
-15 9.55 /4.64 9.37 / 8.18 5.63 /3.60 6.43 / 5.10 1.88 /.61 5.73 / .61 *** ***
-2 *** *** *** *** *** *** *** ***
FIRM ZONES '75-'81, V1-V30, VE - CONTENTS RATES
Elevation of
Lowest Floor
Above or
Below BFE
ABOVE GROUND LEVEL MORE THAN ONE FULL FLOOR
Single Family 2-4 Family Other Residential Non-Residential
04 .56 / .25 .56 / .25 .42 / .25
-15 .56 / .25 .56 / .25 .42 / .25
-2 .56 / .25 .56 / .25 .46 / .25
1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in zones VE and V1-V30 will be allowed to use the Post-'81 V-Zone
rate table if the rates are more favorable to the insured. See instructions in this section for V-Zone Optional Rating.
2 Includes subgrade crawlspace.
3 The definition of Manufactured (Mobile) Home includes travel trailers; see the Definitions section.
4 These rates are to be used if the lowest floor of the building is at or above BFE.
5 Use Submit-for-Rate procedures if the enclosure below the lowest elevated floor of an elevated building, which is used for rating,
is 1 or more feet below BFE.
***SubMIT for raTING
FIRM ZONES '75-'81, UNNUMBERED V ZONE
SubMIT for raTING
raTe 6 May 1, 2011
Table 3e reGular ProGraM - PoST-fIrM CoNSTruCTIoN raTeS
ANNUAL RATES PER $100 OF COVERAGE
1981 POST-FIRM V1-V30, VE ZONE RATES1
Elevation of the
Lowest Floor Above or
Below BFE Adjusted
for Wave Height2
ELEVATED BUILDINGS FREE OF OBSTRUCTION3
CONTENTS BUILDING
Residential Non-Residential
Replacement Cost
Ratio .75 or More4
Replacement Cost
Ratio .50 to .744
Replacement Cost
Ratio Under .504
+4 or more .44 .44 .71 .94 1.44
+3 .44 .44 .86 1.17 1.75
+2 .64 .69 1.12 1.50 2.26
+1 1.11 1.19 1.63 2.18 3.04
0 1.90 2.04 2.34 3.13 4.39
-1 2.73 2.81 3.07 4.05 5.26
-2 3.90 4.11 4.15 5.44 6.94
-3 5.35 5.67 5.35 7.15 9.06
-4 or below *** *** *** *** ***
1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in zones VE and V1-V30 will be allowed to use the Post-'81 V-Zone
rate table if the rates are more favorable to the insured. See instructions in this section for V-Zone Optional Rating.
2 Wave height adjustment is not required in those cases where the FIRM indicates that the map includes wave height.
3 Free of Obstruction - The space below the lowest elevated floor must be completely free of obstructions or any attachment to the
building, or may have:
(1) Insect screening, provided that no additional supports are required for the screening; or
(2) Wooden or plastic lattice with at least 40 percent of its area open and made of material no thicker than 1/2 inch; or
(3) Wooden or plastic slats or shutters with at least 40 percent of their area open and made of material no thicker than 1 inch.
(4) One solid breakaway wall or a garage door, with the remaining sides of the enclosure constructed of insect screening,
wooden or plastic lattice, slats, or shutters.
Any of these systems must be designed and installed to collapse under stress without jeopardizing the structural support of the
building, so that the impact on the building of abnormally high tides or wind-driven water is minimized.
Any machinery or equipment below the lowest elevated floor must be at or above the BFE.
4 These percentages represent building replacement cost ratios, which are determined by dividing the amount of building coverage being
purchased through the NFIP by the replacement cost. See Replacement Cost Ratio in this section for more details.
***SubMIT for raTING
1981 POST-FIRM V1-V30, VE ZONE Non-Elevated Buildings
SubMIT for raTING
1981 POST-FIRM UNNUMBERED V ZONE
SubMIT for raTING
raTe 7 May 1, 2011
Table 3f reGular ProGraM - PoST-fIrM CoNSTruCTIoN raTeS
ANNUAL RATES PER $100 OF COVERAGE
1981 POST-FIRM V1-V30, VE ZONE RATES1,2
Elevation of the Lowest
Floor Above or Below
BFE Adjusted for
Wave Height3
ELEVATED BUILDINGS WITH OBSTRUCTION4
CONTENTS BUILDING
Residential Non-Residential
Replacement Cost
Ratio .75 or More5
Replacement Cost
Ratio .50 to .745
Replacement Cost
Ratio Under .505
+4 or more .57 .57 1.58 2.10 3.12
+3 .58 .58 1.77 2.33 3.55
+2 .76 .76 2.09 2.73 4.17
+1 1.28 1.37 2.62 3.51 5.07
0 2.05 2.16 3.18 4.35 5.90
-16 2.81 2.97 3.75 4.98 6.69
-26 4.01 4.28 4.80 6.31 8.19
-36 5.48 5.83 6.18 8.04 10.33
-4 or below6 *** *** *** *** ***
1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in zones VE and V1-V30 will be allowed to use the Post-'81 V-Zone
rate table if the rates are more favorable to the insured. See instructions in this section for V-Zone Optional Rating.
2 Rates provided are only for elevated buildings, except those elevated on solid perimeter foundation walls. For buildings elevated on solid
perimeter foundation walls, and for non-elevated buildings, follow the Submit-for-Rate procedures.
3 Wave height adjustment is not required in those cases where the FIRM indicates that the map includes wave height.
4 With Obstruction - The space below has an area of less than 300 square feet with breakaway solid walls or contains equipment below
the BFE. If the space below has an area of 300 square feet or more, or if any portion of the space below the elevated floor is enclosed
with non-breakaway walls, submit for rating. If the enclosure is at or above the BFE, use the "Free of Obstruction" rate table on the
preceding page. The elevation of the bottom enclosure floor is the lowest floor for rating (LFE). See Elevated Buildings - Post-FIRM
V-Zone Construction in this section for more details.
5 These percentages represent building replacement cost ratios, which are determined by dividing the amount of building coverage being
purchased through the NFIP by the replacement cost. See Replacement Cost Ratio in this section for more details.
6 For buildings with obstruction, use Submit-for-Rate procedures if the enclosure below the lowest elevated floor of an elevated building,
which is used for rating, is 1 or more feet below the BFE.
***SubMIT for raTING
1981 POST-FIRM UNNUMBERED V ZONE
SubMIT for raTING
raTe 8 May 1, 2011
Table 4 reGular ProGraM - fIrM ZoNe ar aNd ar dual ZoNeS
NoT eleVaTIoN-raTed raTeS
ANNUAL RATES PER $100 OF COVERAGE
(Basic/Additional)
PRE-FIRM RATES1
OCCUPANCY
SINGLE FAMILY 2-4 FAMILY OTHER RESIDENTIAL NON-RESIDENTIAL
Building Contents Building Contents Building Contents Building Contents
BUILDING TYPE
No Basement/Enclosure
With Basement
With Enclosure
Elevated on Crawlspace
Non-Elevated with Subgrade
Crawlspace
Manufactured (Mobile) Home2
.86 / .23
.98 / .33
.98 / .37
.86 / .23
.86 / .23
.86 / .42
1.32 / .41
1.49 / .47
1.49 / .54
1.32 / .41
1.32 / .41
1.32 / .41
.86 / .23
.98 / .33
.98 / .37
.86 / .23
.86 / .23
.81 / .23
1.04 / .33
1.04 / .37
.81 / .23
.81 / .23
.81 / .23
1.04 / .33
1.04 / .37
.81 / .23
.81 / .23
1.04 / .43
CONTENTS LOCATION
Basement & Above
Enclosure & Above
Lowest Floor Only - Above
Ground Level
Lowest Floor Above Ground Level
and Higher Floors
Above Ground Level -
More Than One Full Floor
Manufactured (Mobile) Home2
1.68 / .62
1.68 / .71
1.32 / .65
1.32 / .41
.39 / .13
1.68 / .62
1.68 / .71
1.32 / .65
1.32 / .41
.39 / .13
1.73 / .67
1.73 / .80
1.06 / .47
1.06 / .34
.24 / .13
.93 / .58
1 Pre-FIRM construction refers to a building that has a date of construction or substantial improvement date on or before 12/31/74, or
before the effective date of the initial FIRM.
2 The definition of Manufactured (Mobile) Home includes travel trailers; see the Definitions section.
POST-FIRM RATES
OCCUPANCY
SINGLE FAMILY 2-4 FAMILY OTHER RESIDENTIAL NON-RESIDENTIAL
Building Contents Building Contents Building Contents Building Contents
BUILDING TYPE
No Basement/Enclosure
With Basement
With Enclosure
Elevated on Crawlspace
Non-Elevated with Subgrade
Crawlspace
Manufactured (Mobile) Home1
.86 / .23
.98 / .33
.98 / .37
.86 / .23
.86 / .23
.86 / .42
1.32 / .41
1.49 / .47
1.49 / .54
1.32 / .41
1.32 / .41
1.32 / .41
.86 / .23
.98 / .33
.98 / .37
.86 / .23
.86 / .23
.81 / .23
1.04 / .33
1.04 / .37
.81 / .23
.81 / .23
.81 / .23
1.04 / .33
1.04 / .37
.81 / .23
.81 / .23
1.04 / .43
CONTENTS LOCATION
Basement & Above
Enclosure & Above
Lowest Floor Only - Above
Ground Level
Lowest Floor Above Ground Level
and Higher Floors
Above Ground Level -
More Than One Full Floor
Manufactured (Mobile) Home1
1.68 / .62
1.68 / .71
1.32 / .65
1.32 / .41
.39 / .13
1.68 / .62
1.68 / .71
1.32 / .65
1.32 / .41
.39 / .13
1.73 / .67
1.73 / .80
1.06 / .47
1.06 / .34
.24 / .13
.93 / .58
1 The definition of Manufactured (Mobile) Home includes travel trailers; see the Definitions section.
raTe 9 May 1, 2011
Table 5 reGular ProGraM - Pre-fIrM aNd PoST-fIrM
eleVaTIoN-raTed raTeS
ANNUAL RATES PER $100 OF COVERAGE
(Basic/Additional)
FIRM ZONES AR and AR Dual Zones - BUILDING RATES
Elevation of
Lowest Floor
Above or
Below BFE
ONE FLOOR
No Basement/Enclosure/
Crawlspace1
MORE THAN ONE FLOOR
No Basement/Enclosure/
Crawlspace1
MORE THAN ONE FLOOR
With Basement/Enclosure/
Crawlspace1
MANUFACTURED
(MOBILE) HOME2
1-4 Family
Other
Residential
& Non-
Residential 1-4 Family
Other
Residential
& Non-
Residential 1-4 Family
Other
Residential
& Non-
Residential
Single
Family
Non-
Residential
+4 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .26 / .09 .22 / .09
+3 .27 / .08 .22 / .09 .25 / .08 .20 / .08 .25 / .08 .20 / .08 .28 / .09 .24 / .09
+2 .42 / .08 .29 / .09 .28 / .08 .23 / .08 .27 / .08 .22 / .08 .48 / .09 .37 / .10
+1 .73 / .10 .52 / .11 .52 / .09 .32 / .09 .34 / .09 .26 / .09 .86 / .42 .75 / .13
0 .86 / .23 .81 / .23 .86 / .23 .81 / .23 .82 / .09 .67 / .16 .86 / .42 1.04 / .43
-13 See Footnote3
FIRM ZONES AR and AR Dual Zones - CONTENTS RATES
Elevation of
Lowest Floor
Above or
Below BFE
LOWEST FLOOR ONLY -
ABOVE GROUND LEVEL
No Basement/Enclosure/
Crawlspace1
LOWEST FLOOR ABOVE GROUND
LEVEL & HIGHER FLOORS
No Basement/Enclosure/
Crawlspace1
MORE THAN ONE FLOOR
With Basement/Enclosure/
Crawlspace1
MANUFACTURED
(MOBILE) HOME2
Residential
Non-
Residential Residential
Non-
Residential Residential
Non-
Residential
Single
Family
Non-
Residential
+4 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .13
+3 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .13 .24 / .13
+2 .38 / .12 .24 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .15 .34 / .15
+1 .52 / .12 .35 / .16 .38 / .12 .25 / .12 .38 / .12 .22 / .12 .58 / .17 .53 / .23
0 1.18 / .12 .81 / .31 .67 / .12 .59 / .20 .41 / .12 .32 / .12 1.12 / .23 .77 / .48
-13 See Footnote3
FIRM ZONES AR and AR Dual Zones - CONTENTS RATES
Elevation of
Lowest Floor
Above or
Below BFE
ABOVE GROUND LEVEL MORE THAN ONE FULL FLOOR
Single Family 2-4 Family Other Residential Non-Residential
+4 .35 / .12 .35 / .12 .22 / .12
+3 .35 / .12 .35 / .12 .22 / .12
+2 .35 / .12 .35 / .12 .22 / .12
+1 .35 / .12 .35 / .12 .22 / .12
0 .35 / .12 .35 / .12 .22 / .12
-14 .35 / .12 .35 / .12 .22 / .12
-24 .35 / .12 .35 / .12 .22 / .12
1 Includes subgrade crawlspace.
2 The definition of Manufactured (Mobile) Home includes travel trailers; see the Definitions section.
3 Use Table 4.
4 These rates are only applicable to contents-only policies.
raTe 10 May 1, 2011
Table 6 TeNTaTIVe raTeS Table1
RATES PER $100 OF COVERAGE
(Basic/Additional)
FIRM ZONES A, AE, A1-A30, AO, AH RATES
BUILDING TYPE BUILDING CONTENTS
NON-ELEVATED, NO BASEMENT BASIC LIMITS ADDITIONAL LIMITS BASIC LIMITS ADDITIONAL LIMITS
1-4 Family 4.00 3.00 6.00 4.00
Other Residential 6.00 4.00 6.00 4.00
Non-Residential 6.00 4.00 8.00 8.00
NON-ELEVATED WITH BASEMENT/
ELEVATED BUILDING2 BASIC LIMITS ADDITIONAL LIMITS BASIC LIMITS ADDITIONAL LIMITS
1-4 Family 2.00 2.00 2.00 2.00
Other Residential 3.00 3.00 2.00 2.00
Non-Residential 3.00 3.00 3.00 3.00
FIRM ZONES V, V1-V30, VE RATES
BUILDING TYPE BUILDING CONTENTS
NON-ELEVATED, NO BASEMENT BASIC LIMITS ADDITIONAL LIMITS BASIC LIMITS ADDITIONAL LIMITS
1-4 Family 7.00 7.00 10.00 10.00
Other Residential 10.00 10.00 10.00 10.00
Non-Residential 10.00 10.00 10.00 10.00
NON-ELEVATED WITH BASEMENT/
ELEVATED BUILDING2 BASIC LIMITS ADDITIONAL LIMITS BASIC LIMITS ADDITIONAL LIMITS
1-4 Family 3.00 3.00 3.00 3.00
Other Residential 5.00 5.00 3.00 3.00
Non-Residential 5.00 5.00 5.00 5.00
1 Use of this table is subject to the provisions found in the Tentative Rates subsection in this section.
2 The basement/elevated building rates should only be used if 2 or more photographs or other information substantiates that the risk is
constructed as an elevated building or has a basement as defined by the NFIP.
raTe 11 May 1, 2011
Table 7 federal PolICY fee aNd ProbaTIoN SurCHarGe Table
FEDERAL POLICY FEE1 PROBATION SURCHARGE
$40 $50
1 For the Preferred Risk Policy, the Federal Policy Fee is $20.
III deduCTIbleS
As shown in Table 8A below, the NFIP standard
deductible is either $1,000 or $2,000. An optional
deductible amount may be applied to policies insuring
properties in either Emergency Program or Regular
Program communities. See Table 8B for deductible
options. Refer to the Condominiums section for the
RCBAP optional deductibles.
a deductible buyback
Policyholders who wish to reduce their deductibles
from the standard deductibles of $2,000 for Pre-FIRM
SFHA risks may opt to purchase separate $1,000
deductibles for building and contents coverages, for an
additional premium. The deductible factors provided
in Table 8B must be used to calculate the deductible
surcharge. For an RCBAP, use the RCBAP Deductible
Factors table in the Condominiums section.
b Changes in deductible amount
The amount of the deductible may be increased during
the policy term by submitting a completed General
Change Endorsement form.
Deductibles cannot be reduced mid-term unless
required by the mortgagee and written authorization is
provided by the mortgagee. A 30-day waiting period will
be applied to reduce the deductible, unless the request
is in connection with making, increasing, extending, or
renewing a loan.
The deductible amount may be reduced at the time
of renewal. In order for the deductible reduction to
take effect on the renewal date, the request and full
premium must be received at least 30 days prior to
the renewal effective date, except when the deductible
buyback is part of the renewal offer.
Table 8a STaNdard deduCTIbleS
EMERGENCY PROGRAM
REGULAR PROGRAM
Flood Zone Pre-FIRM
Pre-FIRM with Optional
Post-FIRM Elevation Rating Post-FIRM
$2,000
B, C, X, A99, D $1,000 $1,000
A, AO, AH, A1-A30,
AE, V1-V30, VE, V, AR,
AR/AE, AR/AH, AR/AO,
AR/A1-A30, AR/A
$2,000 $1,000 $1,000
raTe 12 May 1, 2011
Table 8b deduCTIble faCTorS
Single-Family and 2-4 Family Building and Contents Policies1,2,3
DEDUCTIBLE OPTIONS:
Building/Contents
POST-FIRM
$1,000 Ded.
PRE-FIRM
$2,000 Ded.
DEDUCTIBLE OPTIONS:
Building/Contents
POST-FIRM
$1,000 Ded.
PRE-FIRM
$2,000 Ded.
$1,000/$1,000 1.000 1.100 $4,000/$3,000 .800 .875
$2,000/$1,000 .950 1.030 $4,000/$4,000 .775 .850
$2,000/$2,000 .925 1.000 $5,000/$1,000 .825 .900
$3,000/$1,000 .900 .980 $5,000/$2,000 .800 .875
$3,000/$2,000 .875 .950 $5,000/$3,000 .780 .850
$3,000/$3,000 .850 .925 $5,000/$4,000 .765 .830
$4,000/$1,000 .850 .900 $5,000/$5,000 .750 .810
$4,000/$2,000 .825 .900
Single-Family and 2-4 Family Building-Only or Contents-Only Policies1,2,3
BUILDING
POST-FIRM
$1,000 Ded.
PRE-FIRM
$2,000 Ded.
$1,000 1.000 1.075
$2,000 .935 1.000
$3,000 .885 .945
$4,000 .835 .890
$5,000 .785 .840
CONTENTS4
POST-FIRM
$1,000 Ded.
PRE-FIRM
$2,000 Ded.
$1,000 1.000 1.100
$2,000 .900 1.000
$3,000 .825 .915
$4,000 .750 .830
$5,000 .675 .750
Other Residential and Non-Residential Policies1,2,5
BUILDING/CONTENTS
DISCOUNT FROM
AMOUNT
BUILDING ONLY CONTENTS ONLY
POST-FIRM
$1,000 Ded.
PRE-FIRM
$2,000 Ded.
POST-FIRM
$1,000 Ded.
PRE-FIRM
$2,000 Ded.
POST-FIRM
$1,000 Ded.
PRE-FIRM
$2,000 Ded.
$1,000/$1,000 1.000 1.050 $1,000 1.000 1.050 1.000 1.050
$2,000/$2,000 .960 1.000 $2,000 .960 1.000 .965 1.000
$3,000/$3,000 .930 .970 $3,000 .925 .965 .940 .975
$4,000/$4,000 .910 .950 $4,000 .900 .935 .915 .950
$5,000/$5,000 .890 .930 $5,000 .875 .910 .890 .925
$10,000/$10,0005 .815 .855 $10,000 .775 .800 .815 .850
$15,000/$15,0005 .765 .800 $15,000 .700 .725 .740 .775
$20,000/$20,0005 .715 .750 $20,000 .625 .650 .670 .700
$25,000/$25,0005 .665 .700 $25,000 .575 .600 .620 .650
$50,000/$50,0005 .565 .600 $50,000 .475 .500 .550 .575
1 Deductible factors for the RCBAP are located in the Condominiums section.
2 The ICC premium is not eligible for the deductible discount. First calculate the deductible discount, then add in the
ICC premium, for each policy year.
3 These deductible factors apply for condominium unit owners.
4 Also applies to residential unit contents in Other Residential building or in multi-unit condominium building.
5 Deductibles of $10,000 to $50,000 are available only for Non-Residential Policies.
raTe 13 May 1, 2011
IV INCreaSed CoST of CoMPlIaNCe (ICC)
CoVeraGe
Coverage is afforded under the Standard Flood
Insurance Policy (SFIP) for the increased cost to rebuild,
or otherwise alter, a flood-damaged structure to bring
it into conformance with state or local floodplain
management ordinances or laws.
ICC coverage is mandatory for all SFIPs except for (1)
those sold in Emergency Program communities, (2)
contents-only policies, (3) Dwelling Forms on individual
condominium units, and (4) Group Flood Insurance.
For these 4 cases, ICC coverage is not available. In a
condominium building, ICC coverage is only available
through the condominium association's flood policy.
The current ICC coverage limit is $30,000 per building
or, for non-condominium townhouse construction, per
unit, per policy. This coverage amount is in addition to
the Building Amount of insurance purchased. However,
for any 1 flood event, the amount of combined loss
payment received from Building coverage and ICC
coverage cannot exceed the maximum program limits
of $250,000 for residential structures and $500,000
for non-residential structures.
Table 9 STaNdard flood INSuraNCe PolICY
INCreaSed CoST of CoMPlIaNCe (ICC) CoVeraGe
Premiums for $30,000 ICC Coverage
All Except RCBAP, MPPP, Preferred Risk Policies, and Submit-for-Rate Policies
FIRM ZONE
RESIDENTIAL NON-RESIDENTIAL
BUILDING AMOUNT OF INSURANCE BUILDING AMOUNT OF INSURANCE
$1-$230,000 $230,001-$250,000 $1-$480,000 $480,001-$500,000
Post-
FIRM
A, AE, A1-A30, AO, AH $ 5 $ 4 $ 5 $ 4
AR, AR DUAL ZONES $ 5 $ 4 $ 5 $ 4
POST-'81 V1-V30, VE $18 $13 $18 $13
'75-'81 V1-V30, VE $30 $20 $30 $20
A99, B, C, X, D $ 5 $ 4 $ 5 $ 4
Pre-
FIRM
A, AE, A1-A30, AO, AH $70 $55 $70 $55
AR, AR DUAL ZONES $ 5 $ 4 $ 5 $ 4
V, VE, V1-V30 $70 $55 $70 $55
A99, B, C, X, D $ 5 $ 4 $ 5 $ 4
NOTES: (1) ICC coverage does not apply to the Emergency Program, individually owned condominium units insured under the
Dwelling Form or General Property Form, contents-only policies, and Group Flood Insurance Policies.
(2) The ICC premium is not eligible for the deductible discount first calculate the deductible discount, then
add in the ICC premium
(3) Use only 1 ICC premium amount listed above for each building to be insured.
(4) For scheduled building policies, apply ICC premium for each building.
(5) Add Federal Policy Fee and Probation Surcharge, if applicable, when computing the premium.
(6) Elevation-rated Pre-FIRM buildings should use Post-FIRM ICC premiums.
(7) See page RATE 18 for AR Zone and AR Dual Zone Rating information.
(8) For flood policies issued through the Mortgage Portfolio Protection Program (MPPP), use the rates and ICC
premiums in the table in the MPPP section.
(9) For Submit-for-Rate policies, use the ICC premium table contained in the Specific Rating Guidelines
raTe 14 May 1, 2011
V raTING STePS
A. Determine the exact location of the building and/or
contents to be insured. IF THE MAILING ADDRESS
DIFFERS FROM THE PROPERTY ADDRESS, USE
THE PROPERTY ADDRESS ONLY.
B. Determine if the building is located in an eligible
community.
Not all communities participate in the NFIP. There
is NO COVERAGE available in non-participating
communities. If you are uncertain, call the NFIP
insurer, consult a local community official, or
check the NFIP Community Status Book online
(http://www.fema.gov/fema/csb.shtm).
C. Determine the NFIP program phase (Emergency or
Regular) and the community in which the property
is located.
Some communities may be eligible for premium
discounts under the Community Rating System
(CRS). See the CRS section for a list of eligible
communities, the corresponding discounts, and an
example showing how to apply the CRS discount.
D. Determine the location of the contents in the
building.
E. Determine the date of construction as described
below:
1. Date of Construction - Buildings
For flood insurance purposes, the date of
construction for buildings under the NFIP must
be determined in order to establish whether the
building is Pre-FIRM or Post-FIRM construction.
The start of construction or substantial
improvement for insurance purposes means
the date the building permit was issued,
provided the actual start of construction, repair,
reconstruction, or improvement was within 180
days of the permit date.
For the Coastal Barrier Resources System,
the start of construction or substantial
improvement, for insurance purposes,
must be determined in accordance with the
documentation requirements set forth by the
Coastal Barrier Resources Act (CBRA). (See the
Coastal Barrier Resources System section.)
2. Date of Construction - Manufactured (Mobile)
Homes/Travel Trailers
The date of construction for a manufactured
(mobile) home is different from that for a
standard building and depends upon the
location of the manufactured (mobile) home.
For manufactured (mobile) homes located
in manufactured (mobile) home parks or
subdivisions, the date of construction is the
date facilities were constructed for servicing
the manufactured (mobile) home site, or the
date of the permit, provided that construction
began within 180 days of the permit date.
For manufactured (mobile) homes not located
in manufactured (mobile) home parks or
subdivisions, but located on individually owned
lots or tracts of land, the date of construction is
the date the manufactured (mobile) home was
permanently affixed to the site, or the permit
date if affixed to the site within 180 days of the
date of permit.
3. Pre-FIRM Construction
For the purpose of determining insurance rates,
buildings for which the start of construction
or substantial improvement was on or before
December 31, 1974, or before the effective
date of the initial FIRM for the community, are
considered Pre-FIRM construction.
All historic buildings are considered Pre-FIRM
as long as the building meets the definition of a
historic building. (See the Definitions section.)
Pre-FIRM buildings that are substantially
improved may continue being rated as Pre-
FIRM if certain conditions are satisfied. Pre-
FIRM rating is applicable ONLY when ALL of the
following conditions are met:
a. The building must be Pre-FIRM.
b. The substantial improvement must be an
ADDITION to the building. (This condition
excludes substantial improvements made
as interior remodeling or repair projects.)
c. The ADDITION and extension must be next
to and in contact with the existing building.
(This condition does not apply to substantial
improvements consisting of the construction
of additional floors.)
d. An Elevation Certificate must be submitted
to the NFIP Underwriting Unit with the
application or renewal. The Elevation
Certificate must verify that the lowest floor
elevation of the ADDITION is at or above
the applicable BFE in effect at the time the
addition is started.
NoTe: Elevation Certificates certified on or
after April 1, 2010, must be submitted
on the 2009 Elevation Certificate form
(OMB expiration 2012). The Elevation
Certificate must meet all photograph
raTe 15 May 1, 2011
requirements described in the Special
Certifications section of this manual.
An Elevation Certificate submitted
without the required photographs is not
considered valid for rating.
If all of the above conditions are satisfied,
the entire building is eligible for Pre-FIRM
rates. (Except for some V-Zone risks and
some manufactured [mobile] home risks,
Post-FIRM rates provide less costly coverage
and, therefore, the coverage may be rated
using the lower Post-FIRM rates.)
If the above conditions are not satisfied, the
entire building MUST be rated as Post-FIRM.
4. Post-FIRM Construction
For insurance rating purposes, buildings for
which the start of construction or substantial
improvement was after December 31, 1974,
or on or after the effective date of the initial
FIRM for the community, whichever is later, are
considered Post-FIRM construction.
VI PreMIuM CalCulaTIoN
a emergency Program
1. Determine Occupancy Type: Residential or
Non-Residential.
2. Calculate premium using appropriate rates.
3. Apply appropriate deductible factor if an Optional
Deductible is selected.
4. Add Federal Policy Fee.
b regular Program
1. Determine if the property to be insured is Pre-FIRM
or Post-FIRM.
2. Determine Zone.
3. Determine Occupancy: Single Family, 2-4
Family, Other Residential, Non-Residential, or
Manufactured (Mobile) Home.
4. Determine Building Type (including basement
or enclosure, if any): 1 floor, 2 floors, 3 or more
floors, split level, or manufactured (mobile) home
on foundation.
5. Determine whether building has a basement (or
enclosed area below an elevated building): none,
finished, or unfinished.
6. Determine Elevation Difference.
7. Calculate premium using the appropriate rates.
8. Apply appropriate deductible factor if an Optional
Deductible is selected.
9. The ICC premium is not subject to deductible
factors. First calculate the deductible amount,
then add in the ICC premium.
10. Apply CRS discount, if applicable.
11. Add $50 Probation Surcharge if building is located
in a community on probation.
12. Add Federal Policy Fee.
VII KeY PoINTS for raTING
a basic limits and additional limits
For rating purposes in the Regular Program, separate
rates have been established for the Basic Limits and
the Additional Limits.
b Whole dollars
NFIP accepts premium only in whole dollars. If the
discount for an optional deductible does not result in a
whole-dollar premium, round up if 50?? or more; round
down if less. Always submit the gross premium.
C Increased Cost of Compliance (ICC) Premium
Total Prepaid Amount will include ICC premium. The
ICC premium is not subject to deductible factors, but
the CRS discount will apply.
d federal Policy fee
A Federal Policy Fee shall be charged for all new and
renewal policies, including the PRP. This fee is fully
earned on the effective date of the policy, except as
indicated in the Cancellation/Nullification section.
This fee is not subject to earned commissions and,
as such, is not considered part of the Total Prepaid
Premium. The Federal Policy Fee must, however, be
added to the Total Prepaid Premium in order to figure
the Total Prepaid Amount.
Under the RCBAP, the Federal Policy Fee is based on
the number of units. (See the Condominiums section.)
e buildings in More Than one flood Zone/bfe
Buildings, not the land, located in more than 1
zone/BFE must be rated using the more hazardous
zone/BFE.
This condition applies even though the portion of the
building located in the more hazardous flood risk zone/
raTe 16 May 1, 2011
BFE may not be covered under the SFIP, such as a deck
attached to a building. (Example: The building must be
rated using the more hazardous flood risk zone/BFE if
any portion of the attached deck foundation extends
into the more hazardous flood risk zone/BFE. If the
attached deck overhangs the more hazardous flood
risk zone/BFE, but its foundation system does not
extend into more hazardous flood risk zone/BFE, then
the building must be rated using the flood risk zone/
BFE where the building foundation is located.)
f different bfes reported
When the BFE shown on a Flood Zone Determination is
different than that shown on the Elevation Certificate,
and the zone and the FIRM number (including panel
number and suffix) are the same, the BFE shown on
the Elevation Certificate must be used to rate the
policy. In all cases, the zone and BFE must be from
the FIRM in effect on the application date or renewal
effective date, unless grandfathering.
G flood Zone discrepancies
When presented with 2 different flood zones, use
the more hazardous flood zone for rating unless the
building is eligible for grandfathering (see XIV.D. on
pages RATE 21 - 22). The FIRM number (including
panel number and suffix) and BFE must come from the
same source as the zone used to rate the policy.
NoTe: The NFIP rules allow the continued use of the
flood zone and/or BFE that was in effect at the time
of application or renewal even when a map revision
that changes the zone and/or BFE occurs after the
policy effective date.
H Mortgagee on Policy - Higher deductible
requested
When a mortgagee is listed on the policy, their
written consent should be secured before requesting
a deductible higher than the applicable standard
deductible.
VIII reGular ProGraM, PoST-fIrM eleVaTIoNraTed
rISKS
a elevation difference
The elevation difference is the difference between the
lowest floor used for rating and the BFE. The elevation
difference must be determined if the building is Post-
FIRM, located in a Special Flood Hazard Area (SFHA),
and within a Regular Program community.
Refer to the Lowest Floor Guide section for a guide
to determining the lowest floor. Note that, in Puerto
Rico, elevations are based on meters rather than feet.
Before rating the flood insurance premium, the agent/
producer must convert the meter elevations into feet.
For rating purposes, the elevation difference is the
difference, measured in feet, between the lowest floor
elevation of the building to be rated, and the BFE for
that zone. The elevation difference can be a number of
feet above (+) or below (-) the BFE.
If the BFE and/or the lowest floor elevation is shown in
tenths (e.g., 10.5'), the agent/producer must apply the
rounding rule to the difference between the elevation of
the lowest floor for rating and the BFE. If the difference
is negative, the final figure is rounded up from .5.
If the difference is positive, the final figure is rounded
up from .5. Always round to the higher elevation.
For example, -3' is higher than -3.5' and +4' is higher
than +3.5'.
Rounding Rule Example:
11 5' lf - 11 0' bfe = +0 5' +3'
Because the difference is positive, +2'
it is rounded up to 1.0'.
+1'
11' BFE 0'
-1'
Because the difference is negative,
10 5' lf - 11 0' bfe = -0 5'
-2'
it is rounded up to 0'.
-3'
b examples
Examples to illustrate how to determine the elevation
difference are provided below.
1. Zones A1-A30, AE, AR, AR Dual Zones, Post-'81
V1-V30, VE, and A (With BFE)
Lowest Floor Elevation ? Base Flood Elevation
(BFE) = Elevation Difference
Examples:
a. Lowest Floor Elevation (+10') - BFE (+6') =
Elevation Difference of (+4').
b. Lowest Floor Elevation (+8.3') - BFE (+6.0')
= Elevation Difference of (+2.3'); therefore,
(+2.3') is rounded down to (+2.0').
c. Lowest Floor Elevation (+12.4') - BFE (+8.8')
= Elevation Difference of (+3.6'); therefore,
(+3.6') is rounded up to (+4.0').
d. Lowest Floor Elevation (+9.5') - BFE (+12.0') =
Elevation Difference of (-2.5'); therefore, (-2.5')
is rounded up to (-2').
raTe 17 May 1, 2011
2. Zone AH
Lowest Floor Elevation - Base Flood Elevation
(BFE) = Elevation Difference
Examples:
a. Lowest Floor Elevation (+4') - BFE (+2') = (+2');
use With Certification of Compliance rates.
b. Lowest Floor Elevation (+6') - BFE (+8') = (-2');
use Without Certification of Compliance rates.
c. Lowest Floor Elevation (+3.9') - BFE (+4') = (0');
use With Certification of Compliance rates.
3. Zone AO
In AO Zones, the difference between the top of the
bottom floor and the highest adjacent grade is the
lowest floor elevation used for rating. If the lowest
floor elevation is equal to or greater than the
Base Flood Depth printed on the FIRM, use With
Certification of Compliance rate. If the elevation
difference is less than the Base Flood Depth, use
Without Certification of Compliance rates. When
no Base Flood Depth is printed on the FIRM, a
depth of 2 feet must be used for rating purposes.
Examples:
a. Lowest Floor Elevation (distance between the
top of the bottom floor and the highest adjacent
grade) (+2.9') - Base Flood Depth (3') = (0');
use With Certification of Compliance rates.
b. Lowest Floor Elevation (0') - Base Flood
Depth (+1') = (-1'); use Without Certification of
Compliance rates.
c. Lowest Floor Elevation (+2') - (+2') (no published
Base Flood Depth) = (0'); use With Certification
of Compliance rates.
4. Zone A (With No BFE)
In Zone A where there is no established BFE, the
difference between the top of the bottom floor
and the highest adjacent grade is the lowest floor
elevation used for rating.
Examples:
Lowest Floor Elevation (distance between the top
of the bottom floor and the highest adjacent grade)
(+3') = (+3') for rating purposes (use the No BFE
rates). The top of the bottom floor is 3' above the
highest adjacent grade.
a. Lowest Floor Elevation (-2') = (-2') for rating
purposes. The top of the bottom floor is below
the highest adjacent grade by 2'.
5. Zones V1-V30, VE Post-FIRM 1975-'81
Lowest Floor Elevation - Base Flood Elevation
(BFE) = Elevation Difference
C optional elevation rating
Pre-FIRM construction, at the option of the applicant,
may be rated using Pre- or Post-FIRM rating. Once it is
determined which rating will provide a lower premium,
a policy may be endorsed to obtain a lower rate.
Pre-FIRM buildings with subgrade crawlspaces that are
below the BFE may use optional Post-FIRM elevation
rating. For policy processing, follow the procedures in
the Submit-for-Rate subsection in this section. This is
the only Pre-FIRM construction that can be rated using
the Submit-for-Rate procedures.
IX Pre-fIrM eleVaTed buIldING raTed WITH
Pre-fIrM raTeS
Pre-FIRM elevated buildings with no enclosures
beneath the lowest elevated floor are to be rated using
the No Basement rates.
Pre-FIRM elevated buildings with 1 or more enclosures
beneath the lowest elevated floor are to be rated using
the With Enclosure rates.
X ar ZoNe aNd ar dual ZoNe raTING
NoTe: AR Dual Zones appear on the FIRM as AR/AE,
AR/AH, AR/AO, AR/A1-A30, and AR/A.
For Pre-FIRM construction and Post-FIRM non-elevation
rated risks, use the rates provided in Table 4.
Structures in AR and AR Dual Zones with an Elevation
Certificate may be rated using the rates provided in
Table 5.
XI PoST-fIrM ao ZoNe raTING
In Zone AO, when the base flood depth number is not
printed on the FIRM, a base flood depth of 2 feet is
an acceptable standard unless modified by community
ordinance or state law. The difference from the top of
the lowest floor to the highest adjacent ground (grade)
must be greater than or equal to 2 feet in order to use
the more favorable With Certification of Compliance
rates. If the difference is less than 2 feet, the Without
Certification of Compliance rates are to be used.
raTe 18 May 1, 2011
XII PoST-fIrM raTING of eleVaTed buIldINGS
IN ZoNeS b, C, X, a99, aNd d
Post-FIRM elevated buildings in the above zones with
no enclosures beneath the lowest elevated floor are to
be rated using the No Basement/Enclosure rates.
Post-FIRM elevated buildings in the above zones with 1
or more enclosures beneath the lowest elevated floor
are to be rated using the With Enclosure rates.
XIII reGular ProGraM V-ZoNe PoST-fIrM
CoNSTruCTIoN
a rating all V-Zone buildings
For an elevated building (building on posts, piles, or
piers only) rated without an enclosure or obstruction,
the zone V, V1-V30, and VE rates do not take into
consideration the flood risk associated with any
addition of a habitable area (finished or used as living
or work area) below the lowest elevated floor. Further,
rates do not allow for any flood risk to the machinery or
equipment used to service the building located below
the lowest elevated floor.
NoTe: A 1975-'81 elevated building with an unfinished
enclosure under 300 square feet, with breakaway
walls, and without machinery or equipment, can be
rated without taking into account the enclosure,
but an elevated Post-FIRM building constructed on
or after October 1, 1981, cannot.
For all Post-FIRM non-elevated buildings constructed
on or after October 1, 1981, the Submit-for-Rate
procedures should be followed.
b Zones Ve and V1-V30 - enclosure Containing
Machinery or equipment below bfe
Follow these steps when determining the lowest floor
for rating in zones VE and V1-V30 where there is an
enclosure containing machinery or equipment located
below the BFE:
1. The bottom of the enclosure slab is the correct
floor for rating. Determine whether the elevation in
Item C2.c on the Elevation Certificate (bottom of
lowest horizontal structural member) reflects the
top or the bottom of the slab.
2. If the lowest horizontal structural member is
equal to or higher than Item C2.f on the Elevation
Certificate (lowest adjacent grade), deduct (for 1-4
family residences) 12 inches from the elevation
found in Item C2.c and 18 inches for buildings
other than 1-4 family. This estimated elevation
is the elevation figure used for rating the flood
insurance policy.
3. If the surveyor has used Item C2.a on the Elevation
Certificate (top of bottom floor including basement
or enclosure) to indicate the elevation of the
enclosure slab, then the bottom of the enclosure
slab is the correct floor for rating. Determine
whether the elevation in Item C2.a or Item C3.a
reflects the top or the bottom of the slab.
4. If Item C2.a is equal to or higher than Item C2.f,
deduct (for 1-4 family residences) 12 inches from
the elevation found in Item C2.a and 18 inches
for buildings other than 1-4 family. This estimated
elevation is the elevation figure used for rating the
flood insurance policy.
C 1975-'81 Post-fIrM V-Zone Construction
1975-'81 Post-FIRM V-Zone Construction refers to
any V-Zone Post-FIRM building for which the start
of construction or substantial improvement began
January 1, 1975, through September 30, 1981.
d 1981 Post-fIrM V-Zone Construction
1981 Post-FIRM V-Zone Construction refers to any
V-Zone Post-FIRM building for which (1) the permit
application date for the construction or substantial
improvement is on or after October 1, 1981, or (2) the
permit was issued before October 1, 1981, and the
actual start date of construction did not begin within
180 days of the permit date.
e elevated buildings - Post-fIrM V-Zone
Construction
1. Elevated Building Without Obstruction
The area below the lowest elevated floor is open,
with no obstruction, to allow the flow of floodwaters.
Insect screening is permissible. Wooden or plastic
lattice, slats, or shutters are also permissible if at
least 40 percent of their area is open. Lattice can
be no thicker than 1/2 inch; slats or shutters can be
no thicker than 1 inch.
In addition, buildings are considered without
obstruction if the area below the lowest elevated
floor is enclosed by a combination of one solid
breakaway wall or garage door, and the other sides
of the enclosure are insect screening, or wooden
or plastic lattice, slats, or shutters. Machinery
or equipment below the lowest elevated floor
must be at or above the BFE. Use the rates from
Table 3E. For unnumbered Zone V, use Submit-for-
Rate procedures.
raTe 19 May 1, 2011
2. Elevated Building With Obstruction
Buildings are rated With Obstruction if any of the
following conditions are met:
a. The area below the lowest elevated floor is
enclosed fully by solid breakaway walls.
b. The area below the lowest elevated floor is
enclosed by a combination of 2 or more solid
breakaway walls, with the remaining sides
constructed of insect screening, or wooden or
plastic lattice, slats, or shutters.
c. Machinery or equipment below the lowest
elevated floor is also below the BFE.
Use the rates from Table 3F provided that the
enclosure is less than 300 square feet with solid
breakaway walls, or any machinery or equipment
is below the BFE. For unnumbered Zone V, use
Submit-for-Rate procedures.
NoTe: For elevated buildings with non-breakaway
walls below their lowest elevated floors,
elevated buildings with habitable or finished
areas located below their lowest elevated
floors, or buildings with enclosures 300 square
feet or greater, the Submit-for-Rate procedures
should be followed. Agents/producers should
be sure to include a recent photograph or
blueprints, including a site grading plan if ocean
front, a copy of the variance, and an Elevation
Certificate with the Application form.
Any addition to a building during a policy term
that changes the applicable rates must be
endorsed to the policy. Any additional premium
must be paid by the insured.
3. Replacement Cost Ratio
The replacement cost ratio is needed to select the
proper rate for insurance on buildings in 1981 Post-
FIRM Construction V, V1-V30, and VE zones on
or after October 1, 1981. The estimated building
replacement cost is used in conjunction with
the amount of the building insurance desired to
determine the insurance-to-replacement-cost ratio.
Replacement cost is defined as the amount of
money required to replace or repair the insured
building in the event of loss or damage, without
a deduction for depreciation. The replacement
cost ratio is determined by dividing the amount
of building coverage purchased through the NFIP
by the replacement cost of the building. Do not
include excess coverage when determining the
amount of coverage purchased.
If the replacement cost of the building exceeds
the maximum statutory building limit, use the
replacement cost, not the maximum statutory
building limit, in calculating the ratio. For example,
if the residential building replacement cost is
$1,000,000 and the amount of building coverage
requested is the maximum statutory building limit
of $250,000, the ratio is .25; use the rate listed
for "Replacement Cost Ratio Under .50."
Place the rate in the appropriate box on the
Application and continue with the premium
calculation.
4. Elevation Information
The lowest floor elevation must be identified for
buildings in zones V, V1-V30, and VE. Note that
the lowest floor elevation is measured at the
bottom of the lowest floor beam or slab, whichever
is appropriate.
The BFE, including wave height, must be identified
for any building located in zones V1-V30 and VE.
XIV SPeCIal raTING SITuaTIoNS
a Tentative rates
Tentative rates are used to issue policies when
agents/producers fail to provide the required actuarial
rating information. With tentative rates, a policy will be
generated with coverage limits based on the actual
premium received. Tentatively rated policies cannot be
endorsed to increase coverage limits, or renewed for
another policy term, until the required actuarial rating
information and full premium payment are received.
Tentative rates are generally higher than other rates
published in this manual (ranging from $2 to $10 per
$100 of coverage). When tentative rates are applied,
a declarations page and a Tentative Rate Letter will
be forwarded to the policyholder, agent/producer,
and mortgagee (if any), requesting the necessary
information so that the proper rate can be determined.
If a loss occurs on a tentatively rated property,
payment will be limited by the amount of coverage that
the initially submitted premium will purchase using the
correct actuarial rating information.
b alternative rates
When a building is Pre-FIRM and the FIRM zone is
unknown, an alternative rating procedure can be used
only if the building is located in a community that does
not have any V Zones. In these cases, the NFIP will
presume that the building is located in an SFHA, and
the FIRM zone should be shown as Zone AA. AA is
raTe 20 May 1, 2011
not a valid flood zone designation; rather, it is a rating
method used when the flood zone is unknown. The
rates for FIRM Zone A for Pre-FIRM properties should
then be used to compute the premium.
The alternative rating procedure is also used by the
NFIP for renewal of policies in communities that
have converted from the Emergency Program to the
Regular Program during a policy's term. Again, this
procedure can be used only when the community
has no V Zones. In these cases, the NFIP assigns an
AS Zone designation, which is not a valid flood zone
designation, but rather a rating method, and uses the
Pre-FIRM Zone A rates to compute the premium.
In both of the above situations, the agent/producer
should determine the actual FIRM zone and submit a
General Change Endorsement to correct the FIRM zone
and premium. All corrections should be made as soon
as possible within the initial policy term after an AA
or AS Zone designation has been made. If the correct
flood zone is not provided, no Renewal Premium Notice
will be issued.
C Special rates
Certain risks may be eligible for Federal Emergency
Management Agency (FEMA) Special Rates
consideration. These risks include Post-FIRM high-rise
residential condominium buildings, eligible under the
RCBAP, where the lowest floor elevation is below the
BFE, unfinished, and used for building access, parking,
or storage only. The other eligible risks are Post-FIRM
buildings with hanging floors elevated on posts, piers,
pilings, or columns and with the lowest elevated floor
that is below the BFE unfinished and used for building
access only. (For examples of hanging floors, refer to
the Lowest Floor Guide section.)
To request FEMA Special Rates, the company must
submit the appropriate documentation to the NFIP
Bureau and Statistical Agent along with a complete
application and Elevation Certificate. The required
additional documentation includes the following:
1. For High-Rise Residential Condominium Buildings
a. Recent photographs of the building (front and
back), or a blueprint (layout of the building) if
the building is under construction
b. Elevated Building Determination Form signed by
the insured
c. Structural plans
d. Replacement cost documents
e. Value and use of the floor(s) below the BFE
f. Clear pictures of interior of the floor(s) below
the BFE
g. List and value of machinery and equipment
below the BFE
2. For Hanging Floors
a. Pictures of the interior and exterior of the
unfinished lowest elevated floor
b. Value of the unfinished lowest elevated floor
c. List and value of machinery and equipment and
appliances.
d NfIP "Grandfather" rules - effect of Map
revisions on flood Insurance rates
A community will occasionally make structural
improvements (dams, levees, etc.) to reduce
the potential effects of flooding; experience new
development aggravating the flooding situation,
thereby expanding the floodplain; revise geographical
boundaries, resulting in the designation of additional
flood hazard areas; or provide information to better
delineate the BFE and/or flood insurance risk
zones. When these situations occur, the FIRM is
revised and republished.
The implementation of a new FIRM raises the following
question: How does the new map affect flood
insurance rates?
1. Grandfather Rules - Eligibility
To recognize policyholders who have built in
compliance with the FIRM and/or maintained
continuous coverage, FEMA has "grandfather
rules." These rules allow such policyholders to
benefit in the rating for that building.
a. Built in Compliance
Buildings that are built in compliance with
the FIRM in effect at the time of construction
are eligible for grandfathering. For elevated
buildings, the lowest finished floor must be
at or above the BFE. The enclosures must be
unfinished and used solely for parking, storage,
or building access.
For A Zones, proper openings are required (refer
to the Lowest Floor Guide section for guidance
for proper openings).
For V Zones, the enclosuresmust be constructed
with breakaway walls (refer to the Lowest Floor
Guide section for guidance). In addition, there
cannot be any machinery/equipment servicing
the building below the BFE.
The insured would have the option of using
the current rating criteria for that property
or having the premium rate determined by
raTe 21 May 1, 2011
using the BFE and/or flood zone on the FIRM
(old map) in effect when the building was
originally constructed.
b. Continuous Coverage
Policyholders who have remained loyal
customers of the NFIP bymaintaining continuous
coverage (since coverage was first obtained on
the building) are eligible for grandfathering rules.
This will result in a cost savings to insureds
when the new map resulting from a map revision
would result in a higher premium rate.
When policies for buildings insured under the
2-year PRP Eligibility Extension are renewed
as standard-rated policies at the end of the
eligibility period, they may be rated using X-Zone
rates if their previous zone was B, C, or X. If the
previous zone was D, use D-Zone rates.
To document continuous coverage when policies
are moved from 1 insurer to another, the
receiving company must obtain the immediately
prior year's policy declarations page from the
previous insurer.
To document continuous coverage when there
is a transfer of property ownership, the new
property owner or the agent/producer must
obtain the immediately prior year's policy
declaration page and submit a copy with the
application.
2. General Rule of Rating
Always use the new map if it will provide a more
favorable premium (lower rate).
3. Existing Business - Renewal Policies
Policies written to cover either Post-FIRM or Pre-
FIRM construction may be renewed and rated
based on the FIRM and/or BFE in effect when the
policy was initially rated as long as the coverage is
continuous and the building has not been altered
to make the lowest finished floor level lower than
the BFE on that FIRM. For elevated buildings, the
lowest finished floor must be at or above the BFE.
The enclosures must be unfinished and used
solely for parking, storage, or building access.
For A Zones, proper openings are required (refer
to the Lowest Floor Guide section for guidance for
proper openings).
For V Zones, the enclosures must be constructed
with breakaway walls (refer to the Lowest Floor
Guide section for guidance).
a. Examples - Post-FIRM Construction
? A building was constructed in 1980. Coverage
was purchased at the time of construction.
The FIRM zone in effect was A1. The BFE was
10'. The Lowest Floor was 11'. The elevation
difference was +1, and the policy was rated
using a +1 elevation difference.
This policy was written and continuously
renewed for 3 years. In 1983, a new map for
the community was issued.
The property remained in an A1 Zone.
However, the BFE became 12'. Because the
lowest floor did not change, the elevation
difference was -1. Since the building was
built in compliance and was not altered in
any way, the policy can be rated using a +1
elevation difference.
? A building was constructed in 1980. The
FIRM zone in effect was A. In 1983 the map
was revised, which placed the building in a VE
Zone. Since continuous coverage existed and
the building was not altered, the policyholder
can continue to use Zone A in determining
the rate.
b. Example - Pre-FIRM Construction
At the time flood insurance coverage was
applied for, the building was located in Zone
A99. A new map designated the zone as AE.
The policy may continue to be rated using Zone
A99 rates on the old map as long as there is no
interruption in coverage.
4. New Business - Applications for Coverage
a. Post-FIRM Construction
NoTe: These rules apply to buildings in all
zones, including Zone D.
If a new policy is applied for, the rates can be
based on the FIRM zone and the BFE on the
old map in effect on the date the building was
constructed provided that:
? The building was built in compliance with the
map in effect at the time of construction. For
elevated buildings, the lowest finished floor
must be at or above the BFE. The enclosures
must be unfinished and used solely for
parking, storage, or building access.
For A Zones, proper openings are required
(refer to the Lowest Floor Guide section for
guidance for proper openings).
raTe 22 May 1, 2011
For V Zones, the enclosures must be
constructed with breakaway walls (refer to
the Lowest Floor Guide section for guidance).
? The building has not been altered in any
way that has resulted in a lowest floor, for
rating purposes, lower than the BFE on that
FIRM (e.g., enclosing the area below an
elevated building).
? The building has not been substantially
improved.
The property owner or agent/producer must
provide proper documentation to the insurer.
The documentation must show: the date of
the FIRM; the zone on that FIRM in which
the property is located; the BFE, if any, for
that zone; a copy of the map panel showing
the location of the building; and the rating
element that is to be grandfathered. A letter
from a community official verifying this
information, or an Elevation Certificate, also
is acceptable.
Example:
A building was constructed in 1980 and,
according to the FIRM in effect at that time,
was located in Zone AE. No insurance policy
was purchased until 1990. At that time,
remapping had occurred and the zone had
been changed to a more hazardous area,
Zone VE. The new policy can use Zone AE as
the rating zone if the required documentation
is provided.
b. Pre-FIRM Construction
Because there was no FIRM in effect on
the date of construction, most Pre-FIRM
construction is ineligible for the "built in
compliance" grandfathering rule. The limited
exceptions are those communities with initial
FIRM dates prior to December 31, 1974. The
"built in compliance" rule applies to Pre-FIRM
construction only if the date of construction
was on or before December 31, 1974, and
was also on or after the FIRM date. The Flood
Hazard Boundary Map (FHBM) cannot be used
for grandfathering.
Example:
A building was constructed in November 1974
and the FIRM date was May 3, 1973. The old
map showed the building's location as Zone C.
Ten years later in 1984, a new map placed the
building in an A Zone. Flood insurance coverage
was applied for after the map was revised. To
use the old map showing Zone C as the rating
zone, proper documentationmust be submitted.
e Post-'81 V-Zone optional rating
This optional rating is available for new and renewal
policies and endorsements with effective dates on
or after October 1, 1997. All policies for Pre-FIRM
buildings and 1975 through 1981 Post-FIRM buildings
in Zones VE and V1-V30 are allowed to be rated using
the Post-'81 V-Zone rate tables (Table 3E or 3F) if the
rates are more favorable to the insured. In order to
qualify, the following criteria must be met:
1. The policy must be rated using the BFE printed
on the FIRM panel that includes wave height. The
effective date of the FIRM panel must be on or
after 10/1/81.
2. The building rates are determined based on the
ratio of the estimated building replacement cost
and the amount of insurance purchased.
3. The building must be elevated free of obstruction
or with obstruction less than 300 square feet. All
machinery and equipment located below the BFE
are considered obstructions.
f Policies requiring re-rating
The following conditions require that the policies be
rated using the new map:
1. If an elevation-rated building is altered, making the
lowest floor for rating purposes below the BFE.
Example:
An elevated building is located in an AE Zone at the
time of construction. The Lowest Floor Elevation
(LFE) was 18'. The BFE was 10'. The Lowest Floor
rating was an +8 elevation differential. The map
was revised, changing the BFE to 11'. The insured
decided to enclose the area beneath the elevated
floor and use it as a living area. This changed the
LFE to 9'. Due to the alteration, the new map must
be used and the building is rated as -2.
2. If a Pre-FIRM or Post-FIRM building is substantially
improved, the building must be re-rated using the
FIRM in effect at the time that the substantial
improvement occurred. A newer FIRM can always
be used if it will result in a more favorable rating.
Example:
A building was constructed in 1972 and, when
flood insurance was applied for in 1976, was found
to be located in Zone C. The FIRM was revised in
1984. The building was substantially improved in
1985. Due to the improvement, the building must
raTe 23 May 1, 2011
now be re-rated as Post-FIRM construction using
the 1984 map, or the most recent map can be
used if it will result in a more favorable rating.
If ineligible for renewal as a Preferred Risk Policy
because of a map change, the risk must be
rewritten as a standard-rated policy.
3. If a Pre-FIRM or Post-FIRM building has been
declared substantially damaged by a local
community official, the agent/producer must
verify that the repair and/or reconstruction of the
building has been made before the policy can be
re-rated using the FIRM in effect at the time of the
substantial improvement.
In the event that the repair and/or reconstruction
havenotbeenmade, theinsurermayrenewthepolicy
using the proper rating prior to the loss. The agent/
producer or insured must notify the insurer when
the actual repair is completed so the policy can be
re-rated using the correct FIRM.
Example:
A building was constructed in 1986. Late that
year, when the building was purchased and flood
insurance was applied for, the building was found
to be located in Zone A15. The FIRM was revised in
February 2005. In August 2005, a major hurricane
caused severe flooding and wind damage in the
county in which the building is located.
The community declared the building substantially
damaged by flood.However, because ofwidespread
devastation throughout the area, the property
owner had difficulty finding a repair contractor.
When the policy came up for renewal in December,
repair of the building had barely begun. The policy
may be renewed under its pre-flood rating.
G Submit-for-rate
Certain properties at high flood risk, because of
peculiarities in their exposure to flooding, do not lend
themselves to preprogrammed rates. These risks
require an in-depth underwriting analysis and must
be submitted to the insurer for an individual (specific)
rate. As with other lines of property insurance, the
underwriter requires documentation to evaluate those
risk characteristics that make up the basis for a
proper rate.
The NFIP's twofold goal of establishing sound
actuarial rates and obtaining information for enforcing
floodplain management requires that the following
documentation be supplied for risks that fall within
the submit-for-rate category:
1. Completed NFIP Flood Insurance Application.
2. Completed current Elevation Certificate.
3. Variance issued by the local community stating that
permission was granted to construct the building.
If no variance was granted, a statement to that
effect signed by the applicant or the applicant's
representative is required.
4. Recent photographs of the building (front and
back), or a blueprint (layout of the building) if the
building is under construction.
5. The square footage of any enclosures or
crawlspaces below the elevated floor, the use of
the enclosure/crawlspace, a list of machinery and
equipment, and the approximate value of each
item located in the enclosure/crawlspace.
6. If the area below the elevated floor is enclosed
using masonry walls and these walls are
represented as being breakaway walls in V Zones,
a signed letter of verification from a local building
official, an engineer, or an architect.
7. A statement from the applicant or the applicant's
representative that the enclosure was built at the
time that the building was originally constructed,
or at a later date (give date).
8. If the building has a basement, a list of machinery
and equipment located in the basement and each
item's approximate value.
9. For elevated buildings, an Elevated Building
Determination Form signed by the insured.
10. For all Post-'81 V-Zone, non-elevated buildings,
foundation/structural plans or, if foundation/
structural plans are not available, a written
statement from the applicant or agent/producer
providing the same information.
For Submit-for-Rate policies written as NFIP Direct
business, all of the appropriate documentation listed
above must be mailed to the NFIP Servicing Agent, P.O.
Box 2965, Shawnee Mission, KS 66201-1365.
If the building is insurable, the Servicing Agent will
deliver a written rate and the applicable ICC premium
to the producer. Since a rate must be determined
on these risks, no premium is to accompany the
submission. Coverage will be effective 30 days after
the receipt of the premium at the NFIP, with the
following 3 exceptions:
? If the coverage is in conjunction with the making,
increasing, extending, or renewing of a loan, the
effective date is on the day and time of the loan
closing, provided that the policy is applied for and
raTe 24 May 1, 2011
the presentment of premium is made at or prior to
the loan closing.
? If a lender determines that a loan on a building
located in an SFHA does not have flood insurance
coverage but should be covered, then the coverage
is effective upon the completion of an application
and presentment of premium.
? If the new policy is being obtained as a result of
a revision to a community's flood map, during the
13-month period beginning on the effective date
of the map revision, the effective date shall be
12:01 a.m., local time, following the day after
the presentment of premium. For the NFIP Direct
business, the presentment of premium is the same
as the receipt date of the full premium at the NFIP
Servicing Agent.
Submit-for-Rate quotations, excluding the ICC
premium, Federal Policy Fee, and Probation Surcharge,
if applicable, are valid for 90 days. After 90 days,
the Flood Insurance Application and supporting
documentation must be resubmitted for another
determination of the rating.
H Crawlspace
A building with a "crawlspace" (under-floor space)
has its interior floor area (finished or not) no more
than 5 feet below the top of the next-higher floor. If
a crawlspace is below grade on all sides, and the
elevation of the crawlspace floor is below the BFE, the
crawlspace must be rated according to the guidelines
found in the Lowest Floor Guide section. For the
purpose of completing the Flood Insurance Application,
the building must be described as a "non-elevated
building with basement."
NFIP rules and regulations specify that a crawlspace
with its interior floor below grade on all sides is
considered a basement; therefore, the SFIP basement
coverage limitations apply to such crawlspaces.
A building with a crawlspace that is not subgrade must
be described as an elevated building.
Pre-FIRM buildings with subgrade crawlspaces that are
below the BFE may use optional Post-FIRM elevation
rating. Follow the Submit-for-Rate procedures when
using this optional rating.
raTe 25 May 1, 2011
XV CoNTeNTS loCaTIoN
a Single-family dwellings
For rating purposes, contents in a single-family dwelling are considered to be located throughout the entire
building regardless of the building type, with limited coverage in a basement and an enclosed area beneath the
lowest elevated floor. Refer to the SFIP.
b Multi-family and Non-residential buildings
The shaded areas in the illustrations below identify the location of the contents. The rates for contents located in
the area indicated will be established based on the zone, construction date, and building description.
1 NoN-eleVaTed buIldINGS (contents in shaded areas)
ON APPLICATION FORM
building Type
(including basement, if any) basement Contents
? 1 Floor ? None ? Lowest Floor
or Only Above
? 2 Floors Ground Level
? 2 Floors ? Finished ? Basement Only
or
? 3 or More Floors
LIMITED COVERAGE IN BASEMENT
? 2 Floors ? None ? Lowest Floor
or Above Ground
? 3 or More Floors Level and
Higher Floors
? 2 Floors
or
? 3 or More Floors
? Finished ? Basement
and Above
LIMITED COVERAGE IN BASEMENT
? 2 Floors
or
? 3 or More Floors
? Unfinished ? Basement
and Above
LIMITED COVERAGE IN BASEMENT
raTe 26 May 1, 2011
NoN-eleVaTed buIldINGS continued (contents in shaded areas)
ON APPLICATION FORM
building Type
(including basement, if any) basement Contents
? 2 Floors
or
? 3 or More Floors
? Finished
or
? Unfinished
? Lowest Floor
Above Ground
Level and
Higher Floors
? 2 Floors ? None ? Above Ground
or or Level More Than
? 3 or More Floors ? Finished One Full Floor
or
? Unfinished
raTe 27 May 1, 2011
2 eleVaTed buIldINGS (contents in shaded areas)
ON APPLICATION FORM
building Type
(including enclosure, if any) enclosure Contents
? 1 floor ? None ? Lowest Floor
Only Above
Ground Level
Elevated building free of obstruction
? 2 floors ? None ? Lowest Floor
Above Ground
Level And
Higher Floor
Elevated building free of obstruction
? 3 or more floors ? Unfinished ? Lowest Floor
Only Above
Ground Level
Elevated building with enclosure
below lowest elevated floor
LIMITED COVERAGE IN ENCLOSED AREA
? 3 or more floors ? None ? Lowest Floor
Only Above
Ground Level
Elevated building, multiple
occupancy, no enclosure
Elevated building, multiple
occupancy, no enclosure
? 3 or more floors ? None ? Above Ground
Level More
Than One Full
Floor
Elevated building, multiple
occupancy, no enclosure
? 3 or more floors ? Unfinished ? Above Ground
Level More
Than One Full
Floor
raTe 28 May 1, 2011
XVI fIrMS WITH WaVe HeIGHTS Wave height adjustment
The agent/producer must determine whether or not
the BFE on the FIRM includes wave height. With very
few exceptions (for communities on the West Coast),
the FIRMs published prior to January 1, 1981, give
still water levels that do not include wave height.
FIRMs published January 1, 1981, and later indicate
whether or not wave height is included. If wave height
is included, the following statement appears on the
map legend:
"Coastal base flood elevations shown on this map
include the effects of wave action."
These adjustments apply to 1981 Post-FIRM
construction (after October 1, 1981) for zones V1-V30
and VE.
a Procedure for Calculating Wave Height
adjustment
The following information is needed:
1. A completed Elevation Certificate.
2. BFE from the Elevation Certificate (Item B9) or
from the FIRM.
3. Lowest Adjacent Grade from Item C2.f of the
Elevation Certificate completed by a registered
professional engineer, architect, or surveyor.
4. Depth of Still Water Flooding (subtract the Lowest
Adjacent Grade from the BFE).
The additional elevation due to wave crest in
V-Zone areas will normally vary from a minimum
of 2.1 feet to 0.55 times the still water depth at
the site. (BFE including wave height adjustment =
still water BFE + 0.55 ?~ [still water BFE - lowest
adjacent grade elevation].)
For example, a building's site is determined to
be located in Zone V8 with a BFE of 14' NGVD
on the appropriate FIRM. Using the information
from the Elevation Certificate, the BFE is
calculated as follows:
Example 1:
Base flood elevation . . . . . . . . . . . . . . . 14'
Lowest adjacent grade. . . . . . . . . . . . . . -6'
Difference. . . . . . . . . . . . . . . . . . . . . . . . 8'
Factor . . . . . . . . . . . . . . . . . . . . . . . ?~ 0.55
(2.1' minimum) . . . . . . . . . . . . . . . . . . 4.4'
Base flood elevation . . . . . . . . . . . . . .+ 14'
BFE adjusted. . . . . . . . . . . . . . . . . . . .18.4'
Example 2:
Base flood elevation . . . . . . . . . . . . . . . 14'
Lowest adjacent grade . . . . . . . . . . . . -11'
Difference. . . . . . . . . . . . . . . . . . . . . . . . 3'
Factor . . . . . . . . . . . . . . . . . . . . . . . ?~ 0.55
Wave height adjustment
(2.1' minimum) . . . . . . . . . . . . . . . . . 1.65'
2.1'*
Base flood elevation . . . . . . . . . . . . . .+ 14'
BFE adjusted. . . . . . . . . . . . . . . . . . . . 16.1'
* In Example 2, if the calculation results in less than the
minimum 2.1 feet, use 2.1 feet in the calculation of the
BFE adjusted.
b Wave Heights in Numbered Zones V1-V30 and
Ve 1981 Post-fIrM Construction
For most communities that have Coastal High Hazard
Areas, the Wave Height Adjustment to the BFE has
been included on the FIRM.
No wave height adjustment is required for any
numbered V-Zone area included on a FIRM for any
Pacific Coast community since the wave action effects
have already been considered in establishing the BFEs
on the Pacific Coast.
The 1981 and later FIRMs for the Atlantic and Gulf
Coast communities indicate whether or not wave height
is included. If wave height is included, the following
statement appears under "Notes to User" on the map
legends: "Coastal base flood elevations shown on this
map include the effects of wave action."
C unnumbered V Zones 1981 Post-fIrM
Construction
Determining wave heights in coastal communities is
a very important additional risk consideration in the
engineering or architectural certification that the
structure is securely anchored to adequately anchored
pilings or columns in order to withstand velocity waters
and hurricane wave wash. In these rare instances, it
will be necessary to obtain, review, and reasonably
utilize any BFE data available from a Federal, state, or
raTe 29 May 1, 2011
other source, until such other data have been provided
by FEMA as criteria to determine the BFEs, including
wave heights.
d rate Selection Procedure
Factors used in determining the appropriate insurance
rate are:
1. The elevation of the building relative to the BFE
adjusted by the wave height factor for an individual
building site or the actual FIRM BFEs on the
appropriate FIRM (include the effect of wave action
[wave height]); and
2. The existence or non-existence of obstructions
under the beam supporting the building's lowest
floor.
The replacement cost ratio is used to select the
specific rate. Complete the appropriate section of the
Application.
XVII floodProofed buIldINGS
Floodproofing and the completion of the Floodproofing
Certificate are described in detail in the Special
Certifications section.
a elevation difference
To determine the elevation difference used for the rating
of floodproofed buildings, the following procedures
should be used if rounding is necessary:
1. Round floodproofed elevation to the nearest foot if
the BFE is shown in feet. Convert the floodproofed
elevation to tenths of feet if the BFE is shown in
tenths of feet.
2. The elevation difference should be rounded to
the nearest higher elevation. Use 0.5 feet as the
midpoint and always round up. (Example: +1.5
becomes +2; -0.5 becomes 0; -1.4 becomes -1;
-1.5 becomes -1; -1.6 becomes -2.)
In order to qualify for floodproofing credit, buildings
in unnumbered A Zones with BFE and buildings in AE,
A1-A30, and AH Zones must be floodproofed to at
least 1 foot higher than their BFEs. Buildings in AO
Zones must be floodproofed to at least 1 foot higher
than their Base Flood Depths.
b rating
When computing a premium for a floodproofed building,
use the following procedure:
1. Determine how far above the BFE the building is
floodproofed. (For example, the building will be
floodproofed at +1 foot, +2 feet, and so forth
above BFE.)
2. Subtract 1 foot to determine the elevation to be
used in determining the rate and computing the
premium for the building.
3. Find the rate for the given building in the proper
zone at the "adjusted" elevation.
4. Compute the premium as usual.
The building must be floodproofed to +1 foot in order
to receive a rate equivalent to a building with its lowest
floor elevated to the BFE.
For example, if the building is located in Zone AO and
the community's floodproofing standards have been
approved to a level of 3 feet above the highest adjacent
grade (HAG) for the lowest floor of a nonfloodproofed
building, to qualify for With Certification of Compliance
rates, a building must meet the following standards:
? Be floodproofed to an elevation of 4 feet above HAG
(1 foot above the community's minimum standard of
3 feet above HAG).
? The floodproofing must be certified by a registered
professional engineer or architect on the
Floodproofing Certificate or by a responsible local
official in a letter containing the same information
requested on the Floodproofing Certificate.
? The certification, certificate, or letter must
accompany the NFIP Flood Insurance Application.
In order to be eligible for lower rates, the insured must
have a registered professional engineer or architect
certify that the floodproofing conforms to the minimum
floodproofing specifications of FEMA. This means that
the building must be floodproofed to at least 1 foot
above the BFE. If floodproofed to 1 foot above the
BFE or flood depth, it can then be treated for rating
purposes as having a "0" elevation difference from
the BFE. This certification must be submitted with the
Application for flood insurance.
To further illustrate, if the building is certified to
be floodproofed to 2 feet above the BFE, flood
depth, or comparable community-approved floodplain
management standards, whichever is highest, then it
is credited for floodproofing and is to be treated for
rating purposes as having a +1 foot elevation.
raTe 30 May 1, 2011
XVIII THe V-ZoNe rISK faCTor raTING forM
a use
In conjunction with Table 10 (V-Zone Risk Rating
Relativities Table, see below), this optional form may
be used to evaluate the coastal risk when it is believed
that the design, placement, and/or construction
of a building is such that the usual criteria used to
establish actuarially appropriate rates do not reflect
the lessened risk of a particular structure. The form
may be used to either:
1. Establish a rate prior to issuing a new policy; or
2. Appeal the rate charged on an existing policy.
Submit the V-Zone Risk Factor Rating Form for review,
along with a copy of the site grading and structural
plans, the Elevation Certificate, and photographs.
See the Special Certifications section of this manual
for photograph requirements pertaining to the
Elevation Certificate.
b Submission
The completed form should be submitted to the NFIP
Bureau and Statistical Agent, UnderwritingDepartment,
8400 Corporate Dr., Suite 350, Landover, MD 20785.
Confirmation of the relativity and established rate
will be returned to the submitting agent/producer,
engineer, and builder/applicant in approximately 30
business days.
Table 10 V-ZoNe rISK raTING relaTIVITIeS Table
buIldING PoINT
ToTal1
No obSTruCTIoN raTeS WITH obSTruCTIoN raTeS
Replacement Cost
Ratio .75 or More
Replacement Cost
Ratio .50 to .74
Replacement Cost
Ratio Under .50
Replacement Cost
Ratio .75 or More
Replacement Cost
Ratio .50 to .74
Replacement Cost
Ratio Under .50
Less than 225 1.000 1.000 1.000 1.000 1.000 1.000
225 - 275 1.000 1.000 1.000 1.000 1.000 1.000
276 - 325 1.000 1.000 1.000 0.950 0.975 1.000
326 - 375 0.900 0.950 1.000 0.925 0.950 1.000
376 - 425 0.800 0.850 0.900 0.875 0.925 0.950
426 - 475 0.700 0.750 0.800 0.800 0.850 0.900
476 - 525 0.600 0.650 0.700 0.725 0.775 0.825
526 - 575 0.500 0.575 0.650 0.650 0.700 0.750
576 - 625 0.400 0.500 0.600 0.600 0.650 0.700
1 Subtract from your Building Point Total all points assigned for Item I. LOWEST FLOOR ELEVATION and Item IV.A.1. Free of Obstruction
because these factors are included in the rate prior to application of any V-Zone Risk Factor Rating Credit.
raTe 31 May 1, 2011
this page is intentionally left blank.
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,
raTe 40 May 1, 2011
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raTe 44 May 1, 2011
raTe 45 May 1, 2011
raTe 46 May 1, 2011
XIX raTING eXaMPleS
Table of CoNTeNTS
eXaMPLe PaGe
Example 1 Emergency Program, Standard Deductible. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 48
Example 2 Regular Program, Pre-FIRM Construction, $2,000/$1,000
Deductible Option, Zone B . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 49
Example 3 Regular Program, Pre-FIRM Construction, $1,000 Deductible Option
(Surcharge), Zone AE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 50
Example 4 Regular Program, Pre-FIRM Construction, $3,000/$2,000
Deductible Option, Zone A15 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 51
Example 5 Regular Program, Post-FIRM, Elevation Rated, $5,000/$5,000
Deductible Option, Zone AE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 52
Example 6 Regular Program, 1975-'81 Post-FIRM V1-V30,
Elevation Rated, Zone V13. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 53
Example 7 Regular Program, Post-1981 VE or V1-V30,
with Enclosure, Zone VE. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 54
Example 8 Regular Program, Post-FIRM Construction,
Contents-Only Policy, Zone A17 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 55
Example 9 Regular Program, Post-FIRM, Elevation Rated, $5,000/$5,000
Deductible Option, Zone AO . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 56
Example 10 Regular Program, Post-FIRM, Elevation Rated, $1,000/$1,000
Deductible Option, Zone AO (With Certification of Compliance). . . . . . . . . . . . . . . RATE 57
Example 11 Regular Program, Post-FIRM, Elevation Rated, $3,000/$2,000
Deductible Option, Zone AH . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 58
Example 12 Regular Program, Post-FIRM, Elevation Rated, $1,000/$1,000
Deductible Option, Zone AH (With Certification of Compliance). . . . . . . . . . . . . . . RATE 59
Example 13 Regular Program, Post-FIRM, Elevation Rated, $1,000/$1,000
Deductible Option, Zone A (with BFE) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 60
Example 14 Regular Program, Post-FIRM, Elevation Rated, $1,000/$1,000
Deductible Option, Zone A (without BFE) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RATE 61
raTe 47 May 1, 2011
eXaMPle 1
eMerGeNCY ProGraM, STaNdard deduCTIble
Data Essential to Determine Appropriate Rates and Premium:
emergency Program:
? Flood Zone: N/A
? Occupancy: Single-Family Dwelling
? # of Floors: 1 Floor
? Basement/Enclosure: None
? Deductible: $2,000/$2,000
? Deductible Factor: 1.000
? Contents Location: Lowest Floor Above Ground Level
? Date of Construction: Pre-FIRM
? Elevation Difference: N/A
? Floodproofed (Yes/No): No
? Building Coverage: $35,000
? Contents: $10,000
? ICC Premium: N/A
? CRS Rating: N/A
? CRS Discount: N/A
determined rates:
Building: .76 Contents: .96
COVERAGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY) DEDUCTIBLE
BASIC AND
ADDITIONAL
TOTAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
PREM. REDUCTION/
INCREASE
TOTAL AMOUNT
OF INSURANCE
BUILDING 35,000 .76 266 0 35,000 266
CONTENTS 10,000 .96 96 0 10,000 96
RATE TYPE: (ONE BUILDING PER POLICY - BLANKET COVERAGE NOT PERMITTED)
MANUAL SUBMIT FOR RATING
ALTERNATIVE V-ZONE RISK RATING FORM
PROVISIONAL RATING LEASED FEDERAL PROPERTY
MORTGAGE PORTFOLIO PROTECTION PROGRAM
PAYMENT OPTION:
CREDIT CARD
OTHER:
ANNUAL SUBTOTAL 362
ICC PREMIUM -
SUBTOTAL 362
CRS PREMIUM DISCOUNT % -
SUBTOTAL 362
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY)
PROBATION SURCHARGE -
FEDERAL POLICY FEE 40
TOTAL PREPAID AMOUNT 402
Premium Calculation:
1. Multiply Rate ?~ $100 of Coverage: Building: $266 / Contents: $96
2. Apply Deductible Factor: Building: 1.000 ?~ $266 = $266 / Contents: 1.000 ?~ $96 = $96
3. Premium Reduction/Increase: Building: $0 / Contents: $0
4. Subtotal: $362
5. Add ICC Premium: N/A
6. Subtract CRS Discount: N/A
7. Subtotal: $362
8. Probation Surcharge: N/A
9. Add Federal Policy Fee: $40
10. Total Prepaid Amount: $402
raTe 48 May 1, 2011
eXaMPle 2
reGular ProGraM, Pre-fIrM CoNSTruCTIoN, $2,000/$1,000 deduCTIble oPTIoN, ZoNe b
Data Essential to Determine Appropriate Rates and Premium:
regular Program:
? Flood Zone: B
? Occupancy: Single-Family Dwelling
? # of Floors: 2 Floors
? Basement/Enclosure: None
? Deductible: $2,000/$1,000
? Deductible Factor: 0.95
? Contents Location: Lowest Floor Above Ground Level and Higher Floors
? Date of Construction: Pre-FIRM
? Elevation Difference: N/A
? Floodproofed (Yes/No): No
? Building Coverage: $150,000
? Contents Coverage: $60,000
? ICC Premium: $5
? CRS Rating: N/A
? CRS Discount: N/A
determined rates:
Building: .86/.23 Contents: 1.32/.41
COVERAGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY) DEDUCTIBLE
BASIC AND
ADDITIONAL
TOTAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
PREM. REDUCTION/
INCREASE
TOTAL AMOUNT
OF INSURANCE
BUILDING 60,000 .86 516 90,000 .23 207 -36 150,000 687
CONTENTS 25,000 1.32 330 35,000 .41 144 -24 60,000 450
RATE TYPE: (ONE BUILDING PER POLICY - BLANKET COVERAGE NOT PERMITTED)
MANUAL SUBMIT FOR RATING
ALTERNATIVE V-ZONE RISK RATING FORM
PROVISIONAL RATING LEASED FEDERAL PROPERTY
MORTGAGE PORTFOLIO PROTECTION PROGRAM
PAYMENT OPTION:
CREDIT CARD
OTHER:
ANNUAL SUBTOTAL 1,137
ICC PREMIUM 5
SUBTOTAL 1,142
CRS PREMIUM DISCOUNT % -
SUBTOTAL 1,142
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY)
PROBATION SURCHARGE -
FEDERAL POLICY FEE 40
TOTAL PREPAID AMOUNT 1,182
Premium Calculation:
1. Multiply Rate ?~ $100 of Coverage: Building: $723 / Contents: $474
2. Apply Deductible Factor: Building: 0.95 ?~ $723 = $687 / Contents: 0.95 ?~ $474 = $450
3. Premium Decrease: Building: $723 - $687 = $36 / Contents: $474 - $450 = $24
4. Subtotal: $1,132
5. Add ICC Premium: $5
6. Subtract CRS Discount: N/A
7. Subtotal: $1,142
8. Probation Surcharge: N/A
9. Add Federal Policy Fee: $40
10. Total Prepaid Amount: $1,182
raTe 49 May 1, 2011
eXaMPle 3
reGular ProGraM, Pre-fIrM CoNSTruCTIoN, $1,000 deduCTIble oPTIoN (SurCHarGe), ZoNe ae
Data Essential to Determine Appropriate Rates and Premium:
regular Program:
? Flood Zone: AE
? Occupancy: Single-Family Dwelling
? # of Floors: 2 Floors
? Basement/Enclosure: Enclosure
? Deductible: $1,000/$1,000
? Deductible Factor: 1.100
? Contents Location: Enclosure and Above
? Date of Construction: Pre-FIRM
? Elevation Difference: N/A
? Floodproofed (Yes/No): No
? Building Coverage: $150,000
? Contents Coverage: $60,000
? ICC Premium: $70
? CRS Rating: N/A
? CRS Discount: N/A
determined rates:
Building: .81/1.06 Contents: .96/1.07
COVERAGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY) DEDUCTIBLE
BASIC AND
ADDITIONAL
TOTAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
PREM. REDUCTION/
INCREASE
TOTAL AMOUNT
OF INSURANCE
BUILDING 60,000 .81 486 90,000 1.06 954 +144 150,000 1,584
CONTENTS 25,000 .96 240 35,000 1.07 375 +62 60,000 677
RATE TYPE: (ONE BUILDING PER POLICY - BLANKET COVERAGE NOT PERMITTED)
MANUAL SUBMIT FOR RATING
ALTERNATIVE V-ZONE RISK RATING FORM
PROVISIONAL RATING LEASED FEDERAL PROPERTY
MORTGAGE PORTFOLIO PROTECTION PROGRAM
PAYMENT OPTION:
CREDIT CARD
OTHER:
ANNUAL SUBTOTAL 2,261
ICC PREMIUM 70
SUBTOTAL 2,331
CRS PREMIUM DISCOUNT % -
SUBTOTAL 2,331
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY)
PROBATION SURCHARGE -
FEDERAL POLICY FEE 40
TOTAL PREPAID AMOUNT 2,371
Premium Calculation:
1. Multiply Rate ?~ $100 of Coverage: Building: $1,440 / Contents: $615
2. Apply Deductible Factor: Building: 1.100 ?~ $1,440 = $1,584 / Contents: 1.100 ?~ $615 = $677
3. Premium Increase: Building: $1,584 - $1,440 = $144 / Contents: $677 - $615 = $62
4. Subtotal: $2,261
5. Add ICC Premium: $70
6. Subtract CRS Discount: N/A
7. Subtotal: $2,331
8. Probation Surcharge: N/A
9. Add Federal Policy Fee: $40
10. Total Prepaid Amount: $2,371
raTe 50 May 1, 2011
eXaMPle 4
reGular ProGraM, Pre-fIrM CoNSTruCTIoN, $3,000/$2,000 deduCTIble oPTIoN, ZoNe a15
Data Essential to Determine Appropriate Rates and Premium:
regular Program:
? Flood Zone: A15
? Occupancy: Single-Family Dwelling
? # of Floors: 3 Floors
? Basement/Enclosure: Basement
? Deductible: $3,000/$2,000 Building and Contents
? Deductible Factor: .950
? Contents Location: Basement and Above
? Date of Construction: Pre-FIRM
? Elevation Difference: N/A
? Floodproofed (Yes/No): No
? Building Coverage: $250,000
? Contents Coverage: $100,000
? ICC Premium: $55
? CRS Rating: 4
? CRS Discount: 30%
determined rates:
Building: .81/.88 Contents: .96/.90
COVERAGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY) DEDUCTIBLE
BASIC AND
ADDITIONAL
TOTAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
PREM. REDUCTION/
INCREASE
TOTAL AMOUNT
OF INSURANCE
BUILDING 60,000 .81 486 190,000 .88 1,672 -108 250,000 2,050
CONTENTS 25,000 .96 240 75,000 .90 675 -46 100,000 869
RATE TYPE: (ONE BUILDING PER POLICY - BLANKET COVERAGE NOT PERMITTED)
MANUAL SUBMIT FOR RATING
ALTERNATIVE V-ZONE RISK RATING FORM
PROVISIONAL RATING LEASED FEDERAL PROPERTY
MORTGAGE PORTFOLIO PROTECTION PROGRAM
PAYMENT OPTION:
CREDIT CARD
OTHER:
ANNUAL SUBTOTAL 2,919
ICC PREMIUM 55
SUBTOTAL 2,974
CRS PREMIUM DISCOUNT 30% -892
SUBTOTAL 2,082
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY)
PROBATION SURCHARGE -
FEDERAL POLICY FEE 40
TOTAL PREPAID AMOUNT 2,122
Premium Calculation:
1. Multiply Rate ?~ $100 of Coverage: Building: $2,158 / Contents: $915
2. Apply Deductible Factor: Building: .950 ?~ $2,158 = $2,050/ Contents: .950 ?~ $915 = $869
3. Premium Reduction: Building: $2,158 - $2,050 = $108 / Contents: $915 - $869 = $46
4. Subtotal: $2,919
5. Add ICC Premium: $55
6. Subtract CRS Discount: -$892 (30%)
7. Subtotal: $2,082
8. Probation Surcharge: N/A
9. Add Federal Policy Fee: $40
10. Total Prepaid Amount: $2,122
raTe 51 May 1, 2011
eXaMPle 5
reGular ProGraM, PoST-fIrM, eleVaTIoN raTed, $5,000/$5,000 deduCTIble oPTIoN, ZoNe ae
Data Essential to Determine Appropriate Rates and Premium:
regular Program:
? Flood Zone: AE
? Occupancy: Non-Residential
? # of Floors: 2 Floors
? Basement/Enclosure: None
? Deductible: $5,000/$5,000
? Deductible Factor: .890
? Contents Location: Above Ground Level and Higher Floors
? Date of Construction: Post-FIRM
? Elevation Difference: +4
? Floodproofed (Yes/No): No
? Building Coverage: $500,000
? Contents Coverage: $500,000
? ICC Premium: $4
? CRS Rating: 5
? CRS Discount: 25%
determined rates:
Building: .20/.08 Contents: .22/.12
COVERAGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY) DEDUCTIBLE
BASIC AND
ADDITIONAL
TOTAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
PREM. REDUCTION/
INCREASE
TOTAL AMOUNT
OF INSURANCE
BUILDING 175,000 .20 350 325,000 .08 260 -67 500,000 543
CONTENTS 150,000 .22 330 350,000 .12 420 -82 500,000 668
RATE TYPE: (ONE BUILDING PER POLICY - BLANKET COVERAGE NOT PERMITTED)
MANUAL SUBMIT FOR RATING
ALTERNATIVE V-ZONE RISK RATING FORM
PROVISIONAL RATING LEASED FEDERAL PROPERTY
MORTGAGE PORTFOLIO PROTECTION PROGRAM
PAYMENT OPTION:
CREDIT CARD
OTHER:
ANNUAL SUBTOTAL 1,211
ICC PREMIUM 4
SUBTOTAL 1,215
CRS PREMIUM DISCOUNT 25% -304
SUBTOTAL 911
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY)
PROBATION SURCHARGE -
FEDERAL POLICY FEE 40
TOTAL PREPAID AMOUNT 951
Premium Calculation:
1. Multiply Rate ?~ $100 of Coverage: Building: $610 / Contents: $750
2. Apply Deductible Factor: Building: .890 ?~ $610 = $543 / Contents: .890 ?~ $750 = $668
3. Premium Reduction: Building: $610 - $543 = $67 / Contents: $750 - $668 = $82
4. Subtotal: $1,211
5. Add ICC Premium: $4
6. Subtract CRS Discount: -$304 (25%)
7. Subtotal: $911
8. Probation Surcharge: N/A
9. Add Federal Policy Fee: $40
10. Total Prepaid Amount: $951
raTe 52 May 1, 2011
eXaMPle 6
reGular ProGraM, 1975-'81 PoST-fIrM V1-V30, eleVaTIoN raTed, ZoNe V13
Data Essential to Determine Appropriate Rates and Premium:
regular Program:
? Flood Zone: V13
? Occupancy: Single-Family Dwelling
? # of Floors: 2 Floors
? Basement/Enclosure: None
? Deductible: $1,000/$1,000
? Deductible Factor: 1.000
? Contents Location: Lowest Floor Above Ground Level and Higher Floors
? Date of Construction: 1975-'81 (Post-FIRM)
? Elevation Difference: +1
? Floodproofed (Yes/No): No
? Building Coverage: $150,000
? Contents Coverage: $100,000
? ICC Premium: $30
? CRS Rating: 8
? CRS Discount: 10%
determined rates:
Building: 2.28/.51 Contents: 2.83/.67
COVERAGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY) DEDUCTIBLE
BASIC AND
ADDITIONAL
TOTAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
PREM. REDUCTION/
INCREASE
TOTAL AMOUNT
OF INSURANCE
BUILDING 60,000 2.28 1,368 90,000 .51 459 0 150,000 1,827
CONTENTS 25,000 2.83 708 75,000 .67 503 0 100,000 1,211
RATE TYPE: (ONE BUILDING PER POLICY - BLANKET COVERAGE NOT PERMITTED)
MANUAL SUBMIT FOR RATING
ALTERNATIVE V-ZONE RISK RATING FORM
PROVISIONAL RATING LEASED FEDERAL PROPERTY
MORTGAGE PORTFOLIO PROTECTION PROGRAM
PAYMENT OPTION:
CREDIT CARD
OTHER:
ANNUAL SUBTOTAL 3,038
ICC PREMIUM 30
SUBTOTAL 3,068
CRS PREMIUM DISCOUNT 10% -307
SUBTOTAL 2,761
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY)
PROBATION SURCHARGE -
FEDERAL POLICY FEE 40
TOTAL PREPAID AMOUNT 2,801
Premium Calculation:
1. Multiply Rate ?~ $100 of Coverage: Building: $1,827 / Contents: $1,211
2. Apply Deductible Factor: Building: 1.000 ?~ $1,827 = $1,827/Contents:1.000 ?~ $1,211 = $1,211
3. Premium Reduction/Increase: Building: $0 / Contents: $0
4. Subtotal: $3,038
5. Add ICC Premium: $30
6. Subtract CRS Discount: -$307 (10%)
7. Subtotal: $2,761
8. Probation Surcharge: N/A
9. Add Federal Policy Fee: $40
10. Total Prepaid Amount: $2,801
raTe 53 May 1, 2011
eXaMPle 7
reGular ProGraM, PoST-1981 Ve or V1-V30, WITH eNCloSure, ZoNe Ve
Data Essential to Determine Appropriate Rates and Premium:
regular Program:
? Flood Zone: VE
? Occupancy: Single-Family Dwelling
? # of Floors: 3 or More Floors
? Basement/Enclosure: Enclosure (< 300 sq. ft., w/o M&E)
? Deductible: $3,000/$3,000
? Deductible Factor: .850
? Contents Location: Lowest Floor Above Ground Level and Higher Floors
? Date of Construction: Post-'81
? Elevation Difference: -1
? Floodproofed (Yes/No): No
? Replacement Cost: $300,000
? Building Coverage: $250,000
? Contents Coverage: $100,000
? ICC Premium: $13
? CRS Rating: 9
? CRS Discount: N/A
determined rates:
Building: 3.75/3.75 Contents: 2.81/2.81
COVERAGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY) DEDUCTIBLE
BASIC AND
ADDITIONAL
TOTAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
PREM. REDUCTION/
INCREASE
TOTAL AMOUNT
OF INSURANCE
BUILDING 60,000 3.75 2,250 190,000 3.75 7,125 -1,406 250,000 7,969
CONTENTS 25,000 2.81 703 75,000 2.81 2,108 -422 100,000 2,389
RATE TYPE: (ONE BUILDING PER POLICY - BLANKET COVERAGE NOT PERMITTED)
MANUAL SUBMIT FOR RATING
ALTERNATIVE V-ZONE RISK RATING FORM
PROVISIONAL RATING LEASED FEDERAL PROPERTY
MORTGAGE PORTFOLIO PROTECTION PROGRAM
PAYMENT OPTION:
CREDIT CARD
OTHER:
ANNUAL SUBTOTAL 10,358
ICC PREMIUM 13
SUBTOTAL 10,371
CRS PREMIUM DISCOUNT % -
SUBTOTAL 10,371
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY)
PROBATION SURCHARGE -
FEDERAL POLICY FEE 40
TOTAL PREPAID AMOUNT 10,411
Premium Calculation:
1. Multiply Rate ?~ $100 of Coverage: Building: $9,375 / Contents: $2,811
2. Apply Deductible Factor: Building: .850 ?~ $9,375 = $7,969 / Contents: .850 ?~ $2,811 = $2,389
3. Premium Reduction: Building: $9,375 - $7,969 = $1,406 / Contents: $2,811 - $2,389 = $422
4. Subtotal: $10,358
5. Add ICC Premium: $13
6. Subtract CRS Discount: N/A
7. Subtotal: $10,371
8. Probation Surcharge: N/A
9. Add Federal Policy Fee: $40
10. Total Prepaid Amount: $10,411
raTe 54 May 1, 2011
eXaMPle 8
reGular ProGraM, PoST-fIrM CoNSTruCTIoN, CoNTeNTS-oNlY PolICY, ZoNe a17
Data Essential to Determine Appropriate Rates and Premium:
regular Program:
? Flood Zone: A17
? Occupancy: 2-4 Family Dwelling (Renter's Policy)
? # of Floors: 2 Floors
? Basement/Enclosure: None
? Deductible: $1,000
? Deductible Factor: 1.000
? Contents Location: Above Ground Level More Than One Full Floor
? Date of Construction: Post-FIRM
? Elevation Difference: +2
? Floodproofed (Yes/No): No
? Building Coverage: N/A
? Contents Coverage: $100,000
? ICC Premium: N/A
? CRS Rating: N/A
? CRS Discount: N/A
determined rates:
Building: N/A Contents: .35/.12
COVERAGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY) DEDUCTIBLE
BASIC AND
ADDITIONAL
TOTAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
PREM. REDUCTION/
INCREASE
TOTAL AMOUNT
OF INSURANCE
BUILDING
CONTENTS 25,000 .35 88 75,000 .12 90 0 100,000 178
RATE TYPE: (ONE BUILDING PER POLICY - BLANKET COVERAGE NOT PERMITTED)
MANUAL SUBMIT FOR RATING
ALTERNATIVE V-ZONE RISK RATING FORM
PROVISIONAL RATING LEASED FEDERAL PROPERTY
MORTGAGE PORTFOLIO PROTECTION PROGRAM
PAYMENT OPTION:
CREDIT CARD
OTHER:
ANNUAL SUBTOTAL 178
ICC PREMIUM -
SUBTOTAL 178
CRS PREMIUM DISCOUNT % -
SUBTOTAL 178
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY)
PROBATION SURCHARGE -
FEDERAL POLICY FEE 40
TOTAL PREPAID AMOUNT 218
Premium Calculation:
1. Multiply Rate ?~ $100 of Coverage: Building: N/A / Contents: $178
2. Apply Deductible Factor: Building: N/A / Contents: 1.000 ?~ $178 = $178
3. Premium Reduction/Increase: Building: N/A / Contents: $0
4. Subtotal: $178
5. Add ICC Premium: N/A
6. Subtract CRS Discount: N/A
7. Subtotal: $178
8. Probation Surcharge: N/A
9. Add Federal Policy Fee: $40
10. Total Prepaid Amount: $218
raTe 55 May 1, 2011
eXaMPle 9
reGular ProGraM, PoST-fIrM, eleVaTIoN raTed, $5,000/$5,000 deduCTIble oPTIoN, ZoNe ao
Data Essential to Determine Appropriate Rates and Premium:
regular Program:
? Flood Zone: AO
? Occupancy: Non-Residential
? # of Floors: 2 Floors
? Basement/Enclosure: None
? Deductible: $5,000/$5,000
? Deductible Factor: .890
? Contents Location: Above Ground Level and Higher Floors
? Date of Construction: Post-FIRM
? Elevation Difference: -1
? Floodproofed (Yes/No): No
? Building Coverage: $500,000
? Contents Coverage: $500,000
? ICC Premium: $4
? CRS Rating: 5
? CRS Discount: N/A
determined rates:
Building: 1.10/.32 Contents: 1.97/.29
COVERAGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY)
DEDUCTIBLE
PREM. REDUCTION/
INCREASE
BASIC AND
ADDITIONAL
TOTAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
TOTAL AMOUNT
OF INSURANCE
BUILDING 175,000 1.10 1,925 325,000 .32 1,040 -326 500,000 2,639
CONTENTS 150,000 1.97 2,955 350,000 .29 1,015 -437 500,000 3,533
RATE TYPE: (ONE BUILDING PER POLICY - BLANKET COVERAGE NOT PERMITTED)
MANUAL SUBMIT FOR RATING
ALTERNATIVE V-ZONE RISK RATING FORM
PROVISIONAL RATING LEASED FEDERAL PROPERTY
MORTGAGE PORTFOLIO PROTECTION PROGRAM
PAYMENT OPTION:
CREDIT CARD
OTHER:
ANNUAL SUBTOTAL 6,172
ICC PREMIUM 4
SUBTOTAL 6,176
CRS PREMIUM DISCOUNT % -
SUBTOTAL 6,176
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY)
PROBATION SURCHARGE -
FEDERAL POLICY FEE 40
TOTAL PREPAID AMOUNT 6,216
Premium Calculation:
1. Multiply Rate ?~ $100 of Coverage: Building: $2,965 / Contents: $3,970
2. Apply Deductible Factor: Building: .890 ?~ $2,965 = $2,639 / Contents: .890 ?~ $3,970 = $3,533
3. Premium Reduction: Building: $2,965 - $2,639 = $326 / Contents: $3,970 - $3,533 = $437
4. Subtotal: $6,172
5. Add ICC Premium: $4
6. Subtract CRS Discount: N/A
7. Subtotal: $6,176
8. Probation Surcharge: N/A
9. Add Federal Policy Fee: $40
10. Total Prepaid Amount: $6,216
raTe 56 May 1, 2011
eXaMPle 10
reGular ProGraM, PoST-fIrM, eleVaTIoN raTed, $1,000/$1,000 deduCTIble oPTIoN,
ZoNe ao (WITH CerTIfICaTIoN of CoMPlIaNCe)
Data Essential to Determine Appropriate Rates and Premium:
regular Program:
? Flood Zone: AO (With Certification of Compliance)
? Occupancy: Single-Family Dwelling
? # of Floors: 2 Floors
? Basement/Enclosure: None
? Deductible: $1,000/$1,000
? Deductible Factor: 1.000
? Contents Location: Above Ground Level and Higher Floors
? Date of Construction: Post-FIRM
? Elevation Difference: +1
? Floodproofed (Yes/No): No
? Building Coverage: $250,000
? Contents Coverage: $100,000
? ICC Premium: $4
? CRS Rating: N/A
? CRS Discount: N/A
determined rates:
Building: .28/.08 Contents: .38/.13
COVERAGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY) DEDUCTIBLE
BASIC AND
ADDITIONAL
TOTAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
PREM. REDUCTION/
INCREASE
TOTAL AMOUNT
OF INSURANCE
BUILDING 60,000 .28 168 190,000 .08 152 0 250,000 320
CONTENTS 25,000 .38 95 75,000 .13 98 0 100,000 193
RATE TYPE: (ONE BUILDING PER POLICY - BLANKET COVERAGE NOT PERMITTED)
MANUAL SUBMIT FOR RATING
ALTERNATIVE V-ZONE RISK RATING FORM
PROVISIONAL RATING LEASED FEDERAL PROPERTY
MORTGAGE PORTFOLIO PROTECTION PROGRAM
PAYMENT OPTION:
CREDIT CARD
OTHER:
ANNUAL SUBTOTAL 513
ICC PREMIUM 4
SUBTOTAL 517
CRS PREMIUM DISCOUNT % -
SUBTOTAL 517
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY)
PROBATION SURCHARGE -
FEDERAL POLICY FEE 40
TOTAL PREPAID AMOUNT 557
Premium Calculation:
1. Multiply Rate ?~ $100 of Coverage: Building: $320 / Contents: $193
2. Apply Deductible Factor: Building: 1.000 ?~ $320 = $320 / Contents: 1.000 ?~ $193 = $193
3. Premium Reduction/Increase: Building: $0 / Contents: = $0
4. Subtotal: $513
5. Add ICC Premium: $4
6. Subtract CRS Discount: N/A
7. Subtotal: $517
8. Probation Surcharge: N/A
9. Add Federal Policy Fee: $40
10. Total Prepaid Amount: $557
raTe 57 May 1, 2011
eXaMPle 11
reGular ProGraM, PoST-fIrM, eleVaTIoN raTed, $3,000/$2,000 deduCTIble oPTIoN, ZoNe aH
Data Essential to Determine Appropriate Rates and Premium:
regular Program:
? Flood Zone: AH
? Occupancy: Single-Family Dwelling
? # of Floors: 1 Floor
? Basement/Enclosure: None
? Deductible: $3,000/$2,000
? Deductible Factor: .875
? Contents Location: Lowest Floor Above Ground Level
? Date of Construction: Post-FIRM
? Elevation Difference: -1
? Floodproofed (Yes/No): No
? Building Coverage: $250,000
? Contents Coverage: $25,000
? ICC Premium: $4
? CRS Rating: N/A
? CRS Discount: N/A
determined rates:
Building: 1.02/.21 Contents: 1.17/.22
COVERAGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY) DEDUCTIBLE
BASIC AND
ADDITIONAL
TOTAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
PREM. REDUCTION/
INCREASE
TOTAL AMOUNT
OF INSURANCE
BUILDING 60,000 1.02 612 190,000 .21 399 -126 250,000 885
CONTENTS 25,000 1.17 293 0 .22 0 -37 25,000 256
RATE TYPE: (ONE BUILDING PER POLICY - BLANKET COVERAGE NOT PERMITTED)
MANUAL SUBMIT FOR RATING
ALTERNATIVE V-ZONE RISK RATING FORM
PROVISIONAL RATING LEASED FEDERAL PROPERTY
MORTGAGE PORTFOLIO PROTECTION PROGRAM
PAYMENT OPTION:
CREDIT CARD
OTHER:
ANNUAL SUBTOTAL 1,141
ICC PREMIUM 4
SUBTOTAL 1,145
CRS PREMIUM DISCOUNT % -
SUBTOTAL 1,145
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY)
PROBATION SURCHARGE -
FEDERAL POLICY FEE 40
TOTAL PREPAID AMOUNT 1,185
Premium Calculation:
1. Multiply Rate ?~ $100 of Coverage: Building: $1,011 / Contents: $293
2. Apply Deductible Factor: Building: .875 ?~ $1,011 = $885 / Contents: .875 ?~ $293 = $256
3. Premium Reduction: Building: $1,011 - $885 = $126 / Contents = $293 - $256 = $37
4. Subtotal: $1,141
5. Add ICC Premium: $4
6. Subtract CRS Discount: N/A
7. Subtotal: $1,145
8. Probation Surcharge: N/A
9. Add Federal Policy Fee: $40
10. Total Prepaid Amount: $1,185
raTe 58 May 1, 2011
eXaMPle 12
reGular ProGraM, PoST-fIrM, eleVaTIoN raTed, $1,000/$1,000 deduCTIble oPTIoN,
ZoNe aH (WITH CerTIfICaTIoN of CoMPlIaNCe)
Data Essential to Determine Appropriate Rates and Premium:
regular Program:
? Flood Zone: AH (With Certification of Compliance)
? Occupancy: 2-4 Family Dwelling
? # of Floors: 2 Floors
? Basement/Enclosure: None
? Deductible: $1,000/$1,000
? Deductible Factor: 1.000
? Contents Location: Above Ground Level and Higher Floors
? Date of Construction: Post-FIRM
? Elevation Difference: +3
? Floodproofed (Yes/No): No
? Building Coverage: $200,000
? Contents Coverage: $40,000
? ICC Premium: $5
? CRS Rating: N/A
? CRS Discount: N/A
determined rates:
Building: .28/.08 Contents: .38/.13
COVERAGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY) DEDUCTIBLE
BASIC AND
ADDITIONAL
TOTAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
PREM. REDUCTION/
INCREASE
TOTAL AMOUNT
OF INSURANCE
BUILDING 60,000 .28 168 140,000 .08 112 0 200,000 280
CONTENTS 25,000 .38 95 15,000 .13 20 0 40,000 115
RATE TYPE: (ONE BUILDING PER POLICY - BLANKET COVERAGE NOT PERMITTED)
MANUAL SUBMIT FOR RATING
ALTERNATIVE V-ZONE RISK RATING FORM
PROVISIONAL RATING LEASED FEDERAL PROPERTY
MORTGAGE PORTFOLIO PROTECTION PROGRAM
PAYMENT OPTION:
CREDIT CARD
OTHER:
ANNUAL SUBTOTAL 395
ICC PREMIUM 5
SUBTOTAL 400
CRS PREMIUM DISCOUNT % -
SUBTOTAL 400
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY)
PROBATION SURCHARGE -
FEDERAL POLICY FEE 40
TOTAL PREPAID AMOUNT 440
Premium Calculation:
1. Multiply Rate ?~ $100 of Coverage: Building: $280 / Contents: $115
2. Apply Deductible Factor: Building: 1.000 ?~ $280 = $280 / Contents: 1.000 ?~ $115 = $115
3. Premium Reduction/Increase: Building: $0 / Contents: $0
4. Subtotal: $395
5. Add ICC Premium: $5
6. Subtract CRS Discount: N/A
7. Subtotal: $400
8. Probation Surcharge: N/A
9. Add Federal Policy Fee: $40
10. Total Prepaid Amount: $440
raTe 59 May 1, 2011
eXaMPle 13
reGular ProGraM, PoST-fIrM, eleVaTIoN raTed, $1,000/$1,000 deduCTIble oPTIoN,
ZoNe a (WITH bfe)
Data Essential to Determine Appropriate Rates and Premium:
regular Program:
? Flood Zone: A
? Occupancy: 2-4 Family Dwelling
? # of Floors: 2 Floors
? Basement/Enclosure: None
? Deductible: $1,000/$1,000
? Deductible Factor: 1.000
? Contents Location: Above Ground Level and Higher Floors
? Date of Construction: Post-FIRM
? Elevation Difference: +6 (with BFE)
? Floodproofed (Yes/No): No
? Building Coverage: $140,000
? Contents Coverage: $70,000
? ICC Premium: $5
? CRS Rating: N/A
? CRS Discount: N/A
determined rates:
Building: .44/.08 Contents: .44/.12
COVERAGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY) DEDUCTIBLE
BASIC AND
ADDITIONAL
TOTAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
PREM. REDUCTION/
INCREASE
TOTAL AMOUNT
OF INSURANCE
BUILDING 60,000 .44 264 80,000 .08 64 0 140,000 328
CONTENTS 25,000 .44 110 45,000 .12 54 0 70,000 164
RATE TYPE: (ONE BUILDING PER POLICY - BLANKET COVERAGE NOT PERMITTED)
MANUAL SUBMIT FOR RATING
ALTERNATIVE V-ZONE RISK RATING FORM
PROVISIONAL RATING LEASED FEDERAL PROPERTY
MORTGAGE PORTFOLIO PROTECTION PROGRAM
PAYMENT OPTION:
CREDIT CARD
OTHER:
ANNUAL SUBTOTAL 492
ICC PREMIUM 5
SUBTOTAL 497
CRS PREMIUM DISCOUNT % -
SUBTOTAL 497
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY)
PROBATION SURCHARGE -
FEDERAL POLICY FEE 40
TOTAL PREPAID AMOUNT 537
Premium Calculation:
1. Multiply Rate ?~ $100 of Coverage: Building: $328 / Contents: $164
2. Apply Deductible Factor: Building: 1.000 ?~ $328 = $328 / Contents: 1.000 ?~ $164 = $164
3. Premium Reduction/Increase: Building: $0 / Contents = $0
4. Subtotal: $492
5. Add ICC Premium: $5
6. Subtract CRS Discount: N/A
7. Subtotal: $497
8. Probation Surcharge: N/A
9. Add Federal Policy Fee: $40
10. Total Prepaid Amount: $537
raTe 60 May 1, 2011
eXaMPle 14
reGular ProGraM, PoST-fIrM, eleVaTIoN raTed, $1,000/$1,000 deduCTIble oPTIoN,
ZoNe a (WITHouT bfe)
Data Essential to Determine Appropriate Rates and Premium:
regular Program:
? Flood Zone: A
? Occupancy: Single-Family Dwelling
? # of Floors: 2 Floors
? Basement/Enclosure: None
? Deductible: $1,000/$1,000
? Deductible Factor: 1.000
? Contents Location: Lowest Floor Above Ground Level and Higher Floors
? Date of Construction: Post-FIRM
? Elevation Difference: +5 (without BFE)
? Floodproofed (Yes/No): No
? Building Coverage: $135,000
? Contents Coverage: $60,000
? ICC Premium: $5
? CRS Rating: N/A
? CRS Discount: N/A
determined rates:
Building: .40/.09 Contents: .49/.12
COVERAGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY) DEDUCTIBLE
BASIC AND
ADDITIONAL
TOTAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
PREM. REDUCTION/
INCREASE
TOTAL AMOUNT
OF INSURANCE
BUILDING 60,000 .40 240 75,000 .09 68 0 135,000 308
CONTENTS 25,000 .49 123 35,000 .12 42 0 60,000 165
RATE TYPE: (ONE BUILDING PER POLICY - BLANKET COVERAGE NOT PERMITTED)
MANUAL SUBMIT FOR RATING
ALTERNATIVE V-ZONE RISK RATING FORM
PROVISIONAL RATING LEASED FEDERAL PROPERTY
MORTGAGE PORTFOLIO PROTECTION PROGRAM
PAYMENT OPTION:
CREDIT CARD
OTHER:
ANNUAL SUBTOTAL 473
ICC PREMIUM 5
SUBTOTAL 478
CRS PREMIUM DISCOUNT % -
SUBTOTAL 478
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY)
PROBATION SURCHARGE -
FEDERAL POLICY FEE 40
TOTAL PREPAID AMOUNT 518
Premium Calculation:
1. Multiply Rate ?~ $100 of Coverage: Building: $308 / Contents: $165
2. Apply Deductible Factor: Building: 1.000 ?~ $308 = $308 / Contents: 1.000 ?~ $165 = $165
3. Premium Reduction/Increase: Building: $0 / Contents: $0
4. Subtotal: $473
5. Add ICC Premium: $5
6. Subtract CRS Discount: N/A
7. Subtotal: $478
8. Probation Surcharge: N/A
9. Add Federal Policy Fee: $40
10. Total Prepaid Amount: $518
raTe 61 May 1, 2011
CoNdoMINIuMS
Important Notice to agents/Producers:
Boards of directors of condominium associations typically are responsible under their by-laws for maintaining all
forms of property insurance necessary to protect the common property of the association against all hazards
to which that property is exposed for the insurable value/replacement cost of those common elements. This
responsibility would typically include providing adequate flood insurance protection for all common property
located in Special Flood Hazard Areas (SFHAs). Such by-law requirements could make the individual members of
the boards of directors of such associations personally liable for insurance errors or omissions, including those
relating to flood insurance.
I MeTHodS of INSurING CoNdoMINIuMS
Thereare4methodsof insuring condominiumsunder the
National Flood Insurance Program (NFIP). Each method
has its own eligibility requirements for condominium
type. Only buildings having a condominium form of
ownership are eligible for the Residential Condominium
Building Association Policy (RCBAP).
a residential Condominium: association Coverage
on building and Contents
A condominium association is the corporate entity
responsible for the management and operation of
a condominium. Membership is made up of the
condominium unit owners. A condominium association
may purchase insurance coverage on a residential
building and its contents under the RCBAP. The
RCBAP covers only a residential condominium building
in a Regular Program community. If the named insured
is listed as other than a condominium association,
the agent/producer must provide legal documentation
to confirm that the insured is a condominium
association. (See the Eligibility Requirements
subsection in this section.)
b residential Condominium: unit owner's
Coverage on building and Contents
A residential condominium unit in a high-rise or lowrise
building, including a townhouse or rowhouse,
is considered to be a single-family residence. An
individual dwelling unit in a condominium building may
be insured in any 1 of the following 3 ways:
1. An individual unit and its contents may be
separately insured under the Dwelling Form, in the
name of the unit owner, at the limits of insurance
for a single-family dwelling.
2. An individual unit may be separately insured under
the Dwelling Form, if purchased by the association
in the name of the unit owner and the association
as their interests may appear, up to the limits of
insurance for a single-family dwelling.
3. An individual unit owned by the association may
be separately insured under the Dwelling Form, if
purchased by the condominium association. The
single-family limits of insurance apply.
A policy on a condominium unit will be issued naming
the unit owner and the association, as their interests
may appear. Coverage under a unit owner's policy
applies first to the individually owned building elements
and improvements to the unit and then to the damage
of the building's common elements that are the unit
owner's responsibility.
In the event of a loss, the claimpayment to an individual
unit owner may not exceed the maximum allowable in
the Program.
C Non-residential (Commercial) Condominium:
building and Contents
Non-residential (commercial) condominium buildings
and their commonly owned contents may be insured
in the name of the association under the General
Property Form. The "non-residential" limits apply.
d Non-residential (Commercial) Condominium: unit
owner's Coverage (Contents)
The owner of a non-residential or residential
condominiumunitwithin a non-residential condominium
building may purchase only contents coverage for that
unit. Building coverage may not be purchased in the
name of the unit owner.
In the event of a loss, up to 10 percent of the stated
amount of contents coverage can be applied to losses
to condominium interior walls, floors, and ceilings. The
10 percent is not an additional amount of insurance.
CoNdo 1 May 1, 2011
Table 1 CoNdoMINIuM uNderWrITING GuIdelINeS1
CoNdo 2 May 1, 2011
POLICY
FORM INSURED
PROPERTY
COVERED
ELIGIBILITY
REQUIREMENTS
REPLACEMENT
COVERAGE ICC
COVERAGE
LIMITS
ASSESSMENT
COVERAGE
FEDERAL
POLICY FEE
RCBAP RESIDENTIAL
CONDOMINIUM
ASSOCIATION
?Condominium building
?Individually owned units within the
building
?Improvements within unit
?Additions and extensions attached
or connected to the insured
building
?Fixtures, machinery, and
equipment within building
?Contents owned by the
association
?Community must be in regular
program
?Residential condominium
buildings including homeowner
associations (HOAs) and
timeshares in the condominium
form of ownership
?At least 75% of floor area must be
residential
?Buildings include townhouses,
rowhouses, low-rise, high-rise,
and detached single-family
condominium buildings
YES YES MAXIMUM LIMITS:
BUILDING
?Replacement cost, or the
total number of units ?~
$250,000, whichever is less
CONTENTS
?Actual cash value (ACV) of
commonly owned contents
to a maximum of $100,000
per building
NO NUMBER OF UNITS:
1 - $40/POLICY
2-4 - $80/POLICY
5-10 - $200/POLICY
11-20 - $440/POLICY
21 + - $840/POLICY
GENERAL
PROPERTY
FORM
CONDOMINIUM
ASSOCIATION
?Condominium building
?Individually owned units within the
building
?Improvements within unit
?Additions and extensions attached
or connected to the insured
building
?Fixtures, machinery, and
equipment within building
?Contents owned by the
association
?Non-residential common building
elements and their contents
?Condominium building in a regular
program community with less than
75% of its floor area in residential
use
?Residential condominium building
in an emergency program
community
NO YES EMERGENCY PROGRAM
(ACV maximum limits):
Residential
Building $100,000
Contents $10,000
Non-residential
Building $100,000
Contents $100,000
REGULAR PROGRAM
(ACV maximum limits):
Building $500,000
Contents $500,000
NO $40
DWELLING
FORM
CONDOMINIUM
ASSOCIATION
AND/OR
INDIVIDUAL
UNIT OWNERS
?Building elements
?Individually owned contents
?All residential condominium units
?Emergency and regular programs
are eligible
YES2 NO EMERGENCY PROGRAM
(maximum limits):
Building $35,000
Contents $10,000
REGULAR PROGRAM
(maximum limits):
Building $250,000
Contents $100,000
YES3 $40
GENERAL
PROPERTY
FORM
INDIVIDUAL
UNIT OWNERS
AND TENANTS
?Non-residential condo units (only
contents coverage is available)
?Commercial Contents only
?Emergency and regular programs
are eligible
NO NO EMERGENCY PROGRAM:
$100,000 maximum
REGULAR PROGRAM:
$500,000 maximum
NO $40
1 These are basic guidelines for condominium associations and unit owners. Please refer to appropriate section of the NFIP Flood Insurance Manual for specific details.
2 Subject to replacement cost provisions in policy.
3 ICC coverage does not apply to the Emergency Program, individually owned condominium units insured under Dwelling or General Property Forms, Contents-only
Policies, and Group Flood Insurance Policies.
Table 2 CoNdoMINIuM raTING CHarT
loW-rISe reSIdeNTIal CoNdoMINIuMS
SINGLE-UNIT BUILDING OR TOWNHOUSE/ROWHOUSE TYPE - BUILDING WITH SEPARATE ENTRANCE FOR EACH UNIT
PURCHASER OF
POLICY
BUILDING
OCCUPANCY1
BUILDING
INDICATOR1
CONTENTS
INDICATOR2
TYPE OF
COVERAGE
RATING
CLASSIFICATION POLICY FORM3
UNIT OWNER Single Family Single Unit Household RC4 Single Family Dwelling
ASSOCIATION
(ASSOCIATIONOWNED
SINGLE UNIT
ONLY)
Single Family Single Unit Household RC4 Single Family Dwelling
ASSOCIATION
(ENTIRE BUILDING)
Determined by the
number of units, i.e.,
single family, 2-4 family,
other residential
Low-rise Household RC RCBAP Low-rise RCBAP
MulTI-uNIT buIldING
2-4 UNITS PER BUILDING - REGARDLESS OF NUMBER OF FLOORS (NON-TOWNHOUSE)
PURCHASER OF
POLICY
BUILDING
OCCUPANCY1
BUILDING
INDICATOR1
CONTENTS
INDICATOR2
TYPE OF
COVERAGE
RATING
CLASSIFICATION POLICY FORM3
UNIT OWNER 2-4 Single Unit Household RC4
Single family for
building; 2-4
family for contents
Dwelling
ASSOCIATION
(ASSOCIATIONOWNED
SINGLE UNIT
ONLY)
2-4 Single Unit Household RC4
Single family for
building; 2-4
family for contents
Dwelling
ASSOCIATION
(ENTIRE BUILDING) 2-4 Low-rise Household RC RCBAP Low-rise RCBAP
MulTI-uNIT buIldING
5 OR MORE UNITS PER BUILDING - LESS THAN 3 FLOORS
PURCHASER OF
POLICY
BUILDING
OCCUPANCY1
BUILDING
INDICATOR1
CONTENTS
INDICATOR2
TYPE OF
COVERAGE
RATING
CLASSIFICATION POLICY FORM3
UNIT OWNER Other residential Single unit Household RC4
Single family for
building; other
residential for
contents
Dwelling
ASSOCIATION
(ASSOCIATIONOWNED
SINGLE UNIT
ONLY)
Other residential Single unit Household RC4
Single family for
building; other
residential for
contents
Dwelling
ASSOCIATION
(ENTIRE BUILDING) Other residential Low-rise Household RC RCBAP low-rise RCBAP
1 When there is a mixture of residential and commercial usage within a single building, refer to the General Rules section of the
NFIP Flood Insurance Manual.
2 In determining the contents indicator for "other than household contents," refer to the Rating section of the
NFIP Flood Insurance Manual.
3 RCBAP must be used to insure residential condominium buildings owned by the association that are in a Regular Program
community and in which at least 75% of the total floor area within the building is residential. Use the General Property Form
if ineligible under RCBAP.
4 Replacement Cost if the RC eligibility requirements are met (building only).
CoNdo 3 May 1, 2011
Table 2 CoNdoMINIuM raTING CHarT (continued)
HIGH-rISe reSIdeNTIal CoNdoMINIuMS
MULTI-UNIT BUILDING - 5 OR MORE UNITS PER BUILDING - 3 OR MORE FLOORS1
PURCHASER OF
POLICY
BUILDING
OCCUPANCY2
BUILDING
INDICATOR2
CONTENTS
INDICATOR3
TYPE OF
COVERAGE
RATING
CLASSIFICATION
POLICY
FORM4
UNIT OWNER Other residential Single unit Household RC5
Single family for
building; other
residential for
contents
Dwelling
ASSOCIATION
(ASSOCIATION-OWNED
SINGLE UNIT ONLY)
Other residential Single unit Household RC5
Single family for
building; other
residential for
contents
Dwelling
ASSOCIATION
(ENTIRE BUILDING) Other residential High-rise Household RC RCBAP High-rise RCBAP
NoN-reSIdeNTIal CoNdoMINIuMS
PURCHASER OF BUILDING BUILDING CONTENTS TYPE OF RATING POLICY
POLICY OCCUPANCY2 INDICATOR2 INDICATOR3 COVERAGE CLASSIFICATION FORM4
Single unit
NON-RESIDENTIAL
UNIT OWNER Non-residential (Building
coverage not Business ACV Non-residential General
property
available)
RESIDENTIAL UNIT
OWNER
Single family
(In a 2-4 unit building)
Single unit
(Building
coverage not
available)
Household ACV Single family Dwelling
RESIDENTIAL UNIT
OWNER
Other residential
(In a 5-or-more-unit
building)
Single unit
(Building
coverage not
available)
Household ACV Other residential General
property
ASSOCIATION Non-residential Low-rise Business ACV Non-residential General
property
1 Enclosure, even if it is the lowest floor for rating, cannot be counted as a floor for the purpose of classifying the building as a high-rise.
2 When there is a mixture of residential and commercial usage within a single building, refer to the General Rules section of the NFIP
Flood Insurance Manual.
3 In determining the contents indicator for "other than household contents," refer to the Rating section of the
NFIP Flood Insurance Manual.
4 RCBAP must be used to insure residential condominium buildings owned by the association that are in a Regular Program
community and in which at least 75% of the total floor area within the building is residential. Use the General Property Form
if ineligible under RCBAP.
5 Replacement Cost if the RC eligibility requirements are met (building only).
CoNdo 4 May 1, 2011
II reSIdeNTIal CoNdoMINIuM buIldING
aSSoCIaTIoN (rCbaP) forM
The policy form used for the residential condominium
buildings owned by a condominium association is
the RCBAP.
III elIGIbIlITY reQuIreMeNTS
a General building eligibility
In order for a condominium building to be eligible under
the RCBAP form, the building must be owned by a
condominium association, which the NFIP defines as
the entity made up of the unit owners responsible for
the maintenance and operation of:
1. common elements owned in undivided shares by
unit owners; and
2. other real property in which the unit owners have
use rights;
where membership in the entity is a required condition
of unit ownership.
The RCBAP is required for all buildings owned by
a condominium association containing 1 or more
residential units and in which at least 75 percent of
the total floor area within the building is residential
without regard to the number of units or number of
floors. The RCBAP is available for high-rise and lowrise
residential condominium buildings, including
townhouse/rowhouse and detached single-family
condominium buildings in the Regular Program only.
(See pages CONDO 3 and 4.)
Residential condominium buildings that are being used
as a hotel or motel, or are being rented (either short or
long term), must be insured under the RCBAP.
Only buildings having a condominium form of ownership
are eligible for the RCBAP. If the named insured is listed
as other than a condominium association, the agent/
producer must provide legal documentation to confirm
that the insured is a condominium association before
the RCBAP can be written. This documentation may be
a copy of the condominium association by-laws or a
statement signed by an officer or representative of the
condominium association confirming that the building
is in a condominium form of ownership. In the event of
a loss, RCBAPs written for buildings found not to be in a
condominium form of ownership will be rewritten under
the correct policy form for up to the maximum amount
of building coverage allowed under the program for the
type of building insured, not to exceed the coverage
purchased under the RCBAP.
A homeowners association (HOA) may differ from a
condominiumassociation and is ineligible for theRCBAP,
unless the HOA meets the definition of a condominium
association as defined in the policy. Cooperative
ownership buildings are not eligible. Timeshare buildings
in a condominium form of ownership in jurisdictions
where title is vested in individual unit owners are eligible
provided that all other criteria are met.
If, during a policy term, the risk fails tomeet the eligibility
requirements due to a change in the form of ownership,
it will be ineligible for coverage under the RCBAP. The
policy will be canceled and rewritten using the correct
Standard Flood Insurance Policy (SFIP) form.
If an RCBAP was issued for a risk that was ineligible
for the RCBAP, the policy is void and the coverage must
be written under the correct form. The provisions of
the correct SFIP form apply. The coverage limits must
be reformed according to the provisions of the correct
SFIP form and cannot exceed the coverage limits
originally issued under the incorrect policy.
The NFIP has grouped condominium buildings into 2
different types, low-rise and high-rise, because of the
difference in the exposures to the risk that typically
exists. Low-rise buildings generally have a greater
percentage of the value of the building at risk than highrise
buildings, thus requiring higher premiums for the
first dollars of coverage. The availability of the optional
deductibles for the low-rise buildings, however, allows
the association to buy back some of the risk, thereby
reducing the overall cost of the coverage.
For rating purposes:
? High-rise buildings contain 5 or more units and at
least 3 floors excluding enclosure, even if it is the
lowest floor for rating.
? Low-rise buildings have fewer than 5 units regardless
of the number of floors, or 5 or more units with less
than 3 floors, including the basement.
? Townhouse/rowhouse buildings are always considered
low-rise buildings for rating purposes, no matter how
many units or floors they have.
See the Definitions section for complete definitions of
high-rise and low-rise buildings.
Individual unit owners continue to have an option to
purchase an SFIP Dwelling Form.
b Condominium building in the Course of
Construction
The NFIP rules allow the issuance of an SFIP to cover a
building in the course of construction before the building
is walled and roofed. These rules provide lenders an
CoNdo 5 May 1, 2011
option to require flood insurance coverage at the time
that the development loan is made to comply with the
mandatory purchase requirement outlined in the Flood
Disaster Protection Act of 1973, as amended. The
policy is issued and rated based on the construction
designs and intended use of the building.
In order for a condominium building in the course of
construction to be eligible under the RCBAP form, the
building must be owned by a condominium association.
As noted in the General Rules section, buildings in the
course of construction that have yet to be walled and
roofed are eligible for coverage exceptwhen construction
has been halted for more than 90 days and/or if the
lowest floor used for rating purposes is below the Base
Flood Elevation (BFE). Materials or supplies intended
for use in such construction, alteration, or repair are not
insurable unless they are contained within an enclosed
building on the premises or adjacent to the premises.
IV CoVeraGe
a Property Covered
The entire building is covered under 1 policy, including
both the common as well as individually owned building
elements within the units, improvements within the
units, and contents owned in common. Contents
owned by individual unit owners should be insured
under an individual unit owner's Dwelling Form.
b Coverage limits
Building coverage purchased under the RCBAP will be
on a Replacement Cost basis.
The maximum amount of building coverage that can
be purchased on a high-rise or low-rise condominium
is the Replacement Cost Value (RCV) of the building or
the total number of units in the condominium building
times $250,000, whichever is less.
Themaximumallowable contents coverage is the Actual
Cash Value (ACV) of the commonly owned contents up
to a maximum of $100,000 per building.
Basic Limit Amount:
1. The building basic limit amount of insurance
for a detached building housing a single-family
unit owned by the condominium association is
$60,000.
2. For residential townhouse/rowhouse and low-rise
condominiums, the building basic limit amount of
insurance is $60,000 multiplied by the number of
units in the building.
3. For high-rise condominiums, the building basic
amount of insurance is $175,000.
4. The contents basic limit amount of insurance is
$25,000.
5. For condominium unit owners who have insured
their personal property under the Dwelling Form
or General Property Form, coverage extends to
interior walls, floor, and ceiling (if not covered
under the condominium association's insurance)
up to 10 percent of the personal property limit
of liability. Use of this coverage is at the option
of the insured and reduces the personal property
limit of liability.
C replacement Cost
The RCBAP's building coverage is on a Replacement
Cost valuation basis. RCV means the cost to replace
propertywith the same kind ofmaterial and construction
without deduction for depreciation. A condominium unit
owner's Dwelling Form policy provides Replacement
Cost coverage on the building if eligibility requirements
are met.
d Coinsurance
The RCBAP's coinsurance penalty is applied to building
coverage only. To the extent that the insured has not
purchased insurance in an amount equal to the lesser
of 80 percent or more of the full replacement cost
of the building at the time of loss or the maximum
amount of insurance under the NFIP, the insured will
not be reimbursed fully for a loss. Building coverage
purchased under individual Dwelling Forms cannot
be added to RCBAP coverage in order to avoid the
coinsurance penalty. The amount of loss in this case
will be determined by using the following formula:
Insurance Carried
?- Amount o Insurance Required f Loss = Limit of Recovery
Where the penalty applies, building loss under the
RCBAP will be adjusted based on the Replacement
Cost Coverage with a coinsurance penalty. Building
loss under the Dwelling Form will be adjusted on an
ACV basis if the Replacement Cost provision is not
met. The cost of bringing the building into compliance
with local codes (law and ordinance) is not included in
the calculation of replacement cost.
e assessment Coverage
The RCBAP Form and General Property Form do not
provide assessment coverage.
Assessment coverage is available only under the
Dwelling Form subject to the conditions and exclusions
found in Section III. Property Covered, Coverage C,
CoNdo 6 May 1, 2011
paragraph 3 - Condominium Loss Assessments.
The Dwelling Form will respond, up to the building
coverage limit, to assessments against unit owners for
damages to common areas of any building owned by
the condominium association, even if the building is
not insured, provided that: (1) each of the unit owners
comprising the membership of the association is
assessed by reason of the same cause; and (2) the
assessment arises out of a direct physical loss by or
from flood to the condominium building at the time of
the loss.
Assessment coverage cannot be used to meet the 80
percent coinsurance provision of the RCBAP, and does
not apply to ICC coverage or to coverage for closed
basin lakes.
In addition, assessment coverage cannot be used to
pay a loss assessment resulting from a deductible
under the RCBAP.
For more information on this topic, see "E. Loss
Assessments" in the General Rules section and
Section III. C.3. of the Dwelling Form, "Condominium
Loss Assessments," in the Policy section.
V deduCTIbleS aNd feeS
a deductibles
The loss deductible shall apply separately to each
building and personal property covered loss, including
anyappurtenantstructureloss. TheStandardDeductible
is $2,000 for a residential condominiumbuilding, located
in a Regular Program Community in SFHAs, i.e., zones A,
AO, AH, A1-A30, AE, AR, AR dual zones (AR/AE, AR/AH,
AR/AO, AR/A1-A30, AR/A), V, V1-V30, or VE, where the
rates available for buildings built before the effective
date of the initial Flood Insurance Rate Map (FIRM), Pre-
FIRM rates, are used to compute the premium.
For all policies rated other than those described above,
e.g., those rated as Post-FIRM and those rated in zones
A99, B, C, D, or X, the Standard Deductible is $1,000.
Optional deductible amounts are available under the
RCBAP; see Table 7 in this section.
b federal Policy fee
The Federal Policy Fees for the RCBAP are:
1 unit - $40 per policy
2-4 units - $80 per policy
5-10 units - $200 per policy
11-20 units - $440 per policy
21 or more - $840 per policy
VI TeNTaTIVe raTeS aNd SCHeduled
buIldINGS
Tentative Rates cannot be applied to the RCBAP.
The Scheduled Building Policy is not available for
the RCBAP.
VII CoMMISSIoNS (dIreCT buSINeSS oNlY)
The commission, 15 percent, will be reduced to 5
percent on only that portion of the premium that
exceeds the figure resulting from multiplying the total
number of units times $2,000.
VIII CaNCellaTIoN or eNdorSeMeNT of uNIT
oWNerS' dWellING PolICIeS
Unit owners' policies written under the Dwelling Form
may be canceled mid-term for the reasons mentioned
in the Cancellation/Nullification section of the manual.
To cancel building coverage while retaining contents
coverage on a unit owner's policy, submit a general
change request. In the event of a cancellation:
? The commission on a unit owner's policy will be
retained, in full, by the agent/producer;
? The Federal Policy Fee and Probation Surcharge will
be refunded on a pro-rata basis; and
? The premium refund will be calculated on a
pro-rata basis.
An existing policy written under the Dwelling Form or
RCBAP Form may be endorsed to increase amounts of
coverage in accordance with Endorsement rules. They
may not be endorsed mid-term to reduce coverage.
IX aPPlICaTIoN forM
The agent/producer should complete the entire Flood
Insurance Application according to the directions in the
Application section of this manual and attach 2 new
photographs of the building, 1 of which clearly shows
the location of the lowest floor used for rating the risk.
a Type of building
For an RCBAP, the "Building" section of the Flood
Insurance Application must indicate the total number
of units in the building and whether the building is a
high-rise or low-rise.
High-rise (vertical) condominium buildings are defined
as containing at least 5 units and having at least 3
floors. Note that an enclosure below an elevated floor
building, even if it is the lowest floor for rating purposes,
cannot be counted as a floor to classify the building as
a high-rise condominium building.
CoNdo 7 May 1, 2011
Low-rise condominium buildings are defined as having
less than 5 units and/or less than 3 floors. In addition,
low-rise also includes all townhouses/rowhouses
regardless of the number of floors or units, and all
detached single-family buildings.
For a Dwelling Form used to insure a condominium unit,
see the Application section of this manual.
b replacement Cost Value
For an RCBAP, use normal company practice to
estimate the RCV and enter the value in the "Building"
section of the Application. Include the cost of the
building foundation when determining the RCV. Attach
the appropriate valuation to the Application.
Acceptable documentation of a building's RCV is a
recent property valuation report that states the value of
the building, including its foundation, on an RCV basis.
The cost of bringing the building into compliance with
local codes (law and ordinance) is not to be included in
the calculation of the building's replacement cost. To
maintain reasonable accuracy of theRCV for the building,
the agent/producer must update this information at
least every 3 years. (See sample notification letter
regarding updating RCV on page CONDO 9.)
C Coverage
Ensure that the "Coverage and Rating" section of the
Application accurately reflects the desired amount of
building and contents coverage.
If only building insurance is to be purchased, inform the
applicant of the availability of contents insurance for
contents that are commonly owned. It is recommended
that the applicant initial the contents coverage section
if no contents insurance is requested. (This will make
the applicant aware that the policy will not provide
payment for contents losses.)
1. Building
Enter the amount of insurance for building, Basic
and Additional Limits. Enter full Basic Limits before
entering any Additional Limits.
The building Basic Limit amount of insurance
for high-rise condominium buildings is up to a
maximum of $175,000.
The building Basic Limit amount of insurance for lowrise
condominium buildings is $60,000 multiplied
by the number of units in the building. The total
amount of coverage desired on the entire building
must not exceed $250,000 (Regular Program limit)
times the total number of units (residential and
non-residential) in the building.
2. Contents
Since the Program type must be Regular, enter
the amount of insurance for contents, Basic and
Additional Limits. Enter full Basic Limits before any
Additional Limits. Contents coverage is only for
those contents items that are commonly owned.
For the Basic Limits amount of insurance, up to
a maximum of $25,000 may be filled in. For the
Additional Limits, up to a total of $75,000 may be
filled in. The total amount of insurance available
for contents coverage cannot exceed $100,000.
d rates and fees
1. To determine rates, see the RCBAP Rate Tables
on the following pages. Enter the rate for building
and for contents and compute the annual
premium. If an optional deductible has been
selected for building and/or contents, see Table
7 in this section.
2. Enter the total premium for building and contents,
adjusted for any premium change because of
an optional deductible being selected. The total
premium will be calculated as if the building were
1 unit.
3. Add the total premium for building and contents
and enter the Annual Subtotal.
4. Add the Increased Cost of Compliance
(ICC) premium.
5. Calculate the Community Rating System (CRS)
discount, if applicable.
6. Subtract the CRS discount, if applicable.
7. Add the $50 Probation Surcharge, if applicable.
8. Add the Federal Policy Fee to determine the Total
Prepaid Amount.
CoNdo 8 May 1, 2011
Sample RCV Notification Letter
IMPORTANT FLOOD INSURANCE POLICY INFORMATION
Agent's Name:
Agent's Address:
Re: Insured's Name:
Property Address:
Policy Number:
Dear Agent:
The letter is to inform you that the Replacement Cost Value (RCV) on file for the building referenced above,
insured under the Residential Condominium Building Association Policy (RCBAP), must now be updated. The
National Flood Insurance Program (NFIP) requires that the RCV be evaluated every 3 years; it has been at least
3 years since the RCV for the building has been updated.
The RCV as currently listed on the above-referenced policy is <INSERT CURRENT RCV>. The amount of
building coverage on the policy is <INSERT CURRENT BUILDING COVERAGE>.
If the RCV indicated above needs to be revised, you must provide new documentation showing the revised RCV.
Acceptable documentation of the building's RCV is a recent property valuation report that states the building's
value, including the foundation, on an RCV basis.
If the RCV has not changed, you must provide either new RCV documentation or a statement signed by an officer
or a representative of the Condominium Association confirming that the RCV is still valid.
Please be aware that to the extent that the amount of building coverage on the policy is not in an amount equal to
the lesser of 80 percent or more of the full replacement cost of the building at the time of a loss or the maximum
amount of insurance available under the NFIP, the Condominium Association may not be fully reimbursed
for the loss.
If you have any questions about the information in this letter, please contact < INSERT CONTACT NAME AND
TELEPHONE NUMBER>.
cc: Insured, Lender
CoNdo 9 May 1, 2011
Table 3a rCbaP HIGH-rISe CoNdoMINIuM raTeS
ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional)
buIldING
BUILDING TYPE
REGULAR PROGRAM PRE-FIRM1 REGULAR PROGRAM POST-FIRM
A, A1-A30, AE, AO, AH, D V, VE A99, B, C, X A99, B, C, X D
NO BASEMENT/ENCLOSURE .85/.22 1.08/ .53 1.06/.05 1.06/.05 1.16/.24
WITH BASEMENT .90/.30 1.15/1.13 1.29/.07 1.29/.07
SUBMIT
FOR
RATE
WITH ENCLOSURE .90/.22 1.15/ .55 1.12/.05 1.12/.05
ELEVATED ON CRAWLSPACE .85/.22 1.08/ .53 1.06/.05 1.06/.05
NON-ELEVATED WITH
SUBGRADE CRAWLSPACE
.85/.22 1.08/ .53 1.06/.05 1.06/.05
CoNTeNTS
CONTENTS LOCATION
REGULAR PROGRAM PRE-FIRM1 REGULAR PROGRAM POST-FIRM
A, A1-A30, AE, AO, AH, D V, VE A99, B, C, X A99, B, C, X D
BASEMENT/SUBGRADE
CRAWLSPACE AND ABOVE
.96/.90 1.23/2.23 1.68/.62 1.68/.62 SUBMIT
FOR
ENCLOSURE/CRAWLSPACE RATE
AND ABOVE
.96/1.07 1.23/2.63 1.68/.71 1.68/.71
LOWEST FLOOR ONLY - ABOVE
GROUND LEVEL
.96/1.07 1.23/2.63 1.32/.65 1.32/.65 1.11/.65
LOWEST FLOOR ABOVE GROUND
LEVEL AND HIGHER FLOORS
.96/.74 1.23/2.32 1.32/.34 1.32/.34 1.11/.45
ABOVE GROUND LEVEL MORE
THAN 1 FULL FLOOR
.35/.14 .47/.34 .39/.13 .35/.12 .35/.12
buIldING - a1-a30, ae ? PoST-fIrM
ELEVATION
DIFFERENCE
3 OR MORE FLOORS
NO BASEMENT/ENCLOSURE/CRAWLSPACE2
3 OR MORE FLOORS
WITH BASEMENT/ENCLOSURE/CRAWLSPACE2
+4 .33/.03 .33/.03
+3 .35/.03 .34/.03
+2 .45/.03 .40/.03
+1 .81/.04 .56/.04
0 1.43/.05 1.28/.05
-13 5.26/.15 3.16/.12
-2 SUBMIT FOR RATE
CoNTeNTS - a1-a30, ae ? PoST-fIrM
ELEVATION
DIFFERENCE
LOWEST FLOOR ONLY- ABOVE
GROUND LEVEL (NO BASEMENT/
ENCLOSURE/CRAWLSPACE2)
LOWEST FLOOR ABOVE GROUND
LEVEL AND HIGHER (NO BASEMENT/
ENCLOSURE/CRAWLSPACE2)
BASEMENT/ENCLOSURE/
CRAWLSPACE2 AND ABOVE
ABOVE GROUND
LEVEL MORE THAN
ONE FULL FLOOR
+4 .38/.12 .38/.12 .38/.12 .35/.12
+3 .38/.12 .38/.12 .38/.12 .35/.12
+2 .38/.12 .38/.12 .38/.12 .35/.12
+1 .52/.12 .38/.12 .38/.12 .35/.12
0 1.18/.12 .67/.12 .41/.12 .35/.12
-13 3.45/.70 2.00/.47 .66/.14 .35/.12
-2 SUBMIT FOR RATE .35/.12
1 Pre-FIRM construction refers to a building that has a start of construction date or substantial improvement date on or before 12/31/74,
or before the effective date of the initial FIRM. If FIRM zone is unknown, use rates for zones A, AE, AO, AH, D.
2 Includes subgrade crawlspace.
3 Use Submit-for-Rate procedures if either the enclosure below the lowest elevated floor of an elevated building or the crawlspace (underfloor
space) that has its interior floor within 2 feet below grade on all sides, which is used for rating, is 1 or more feet below BFE.
CoNdo 10 May 1, 2011
Table 3b rCbaP HIGH-rISe CoNdoMINIuM raTeS
ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional)
ao, aH PoST-fIrM
No baSeMeNT/eNCloSure/CraWlSPaCe/SubGrade CraWlSPaCe buIldINGS1
BUILDING CONTENTS
WITH CERTIFICATION OF COMPLIANCE2 .44/.04 .38/.13
WITHOUT CERTIFICATION OF COMPLIANCE OR
WITHOUT ELEVATION CERTIFICATE3 .99/.09 1.17/.22
PoST-fIrM uNNuMbered a ZoNe -
WITHouT baSeMeNT/eNCloSure/CraWlSPaCe/SubGrade CraWlSPaCe1,4
ELEVATION DIFFERENCE BUILDING CONTENTS5 TYPE OF ELEVATION CERTIFICATE
+5 OR MORE .88/.05 .49/.12
NO BASE
FLOOD ELEVATION6
+2 TO +4 1.54/.06 .78/.15
+1 2.51/.14 1.50/.27
0 OR BELOW *** ***
+2 OR MORE .75/.04 .44/.12
WITH BASE
FLOOD ELEVATION7
0 TO +1 1.35/.06 .94/.15
-1 5.34/.18 2.66/.41
-2 OR BELOW *** ***
NO ELEVATION CERTIFICATE 7.20/1.26 3.33/.91 NO ELEVATION CERTIFICATE
1 Zones A, AO, or AH buildings with basement/enclosure/crawlspace/subgrade crawlspace - follow Submit-for-Rate procedures.
2 "With Certification of Compliance" rates are to be used when the Elevation Certificate shows that the lowest floor elevation is equal to
or greater than the community's elevation requirement.
3 "Without Certification of Compliance" rates are to be used only on Post-FIRM structures without an Elevation Certificate or when the
Elevation Certificate shows that the lowest floor elevation of a Post-FIRM structure is less than the community's elevation requirement.
4 Pre-FIRM buildings with basement/enclosure/crawlspace/subgrade crawlspace may use this table if the rates are more
favorable to the insured.
5 For elevation-rated policies, when contents are located 1 floor or more above the lowest floor used for rating, use .35/.12.
6 NO BASE FLOOD ELEVATION: Elevation difference is the measured distance between the lowest floor of the building and the highest
adjacent grade next to the building.
7 WITH BASE FLOOD ELEVATION: Elevation difference is the measured distance between the lowest floor of the building and the BFE
provided by the community or registered professional engineer, surveyor, or architect.
***SubMIT for raTING
CoNdo 11 May 1, 2011
Table 3C rCbaP HIGH-rISe CoNdoMINIuM raTeS
ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional)
ar aNd ar dual ZoNeS
buIldING - Pre-fIrM1,2 aNd PoST-fIrM3 NoT eleVaTIoN-raTed
BUILDING TYPE RATES
No Basement/Enclosure 1.06/.05
With Basement 1.29/.07
With Enclosure 1.12/.05
Elevated on Crawlspace 1.06/.05
Non-Elevated with Subgrade Crawlspace 1.06/.05
CoNTeNTS - Pre-fIrM1,2 aNd PoST-fIrM3 NoT eleVaTIoN-raTed
CONTENTS LOCATION RATES
Basement/Subgrade Crawlspace and above 1.68/.62
Enclosure/Crawlspace and above 1.68/.71
Lowest floor only - above ground level 1.32/.65
Lowest floor above ground level and higher floors 1.32/.34
Above ground level more than 1 full floor .35/.12
buIldING - Pre-fIrM aNd PoST-fIrM eleVaTIoN-raTed
ELEVATION
DIFFERENCE
3 OR MORE FLOORS
NO BASEMENT/ENCLOSURE/CRAWLSPACE4
3 OR MORE FLOORS
WITH BASEMENT/ENCLOSURE/CRAWLSPACE4
+4 .33/.03 .33/.03
+3 .35/.03 .34/.03
+2 .45/.03 .40/.03
+1 .81/.04 .56/.04
0 1.06/.05 1.28/.05
-15 SEE FOOTNOTE
CoNTeNTS - Pre-fIrM aNd PoST-fIrM eleVaTIoN-raTed
ELEVATION
DIFFERENCE
LOWEST FLOOR ONLY - ABOVE
GROUND LEVEL (NO BSMNT/
ENCL/CRAWLSPACE4)
LOWEST FLOOR ABOVE
GROUND LEVEL AND
HIGHER (NO BSMNT/ENCL/
CRAWLSPACE4)
BASEMENT/ENCLOSURE/
CRAWLSPACE4
AND ABOVE
ABOVE GROUND LEVEL -
MORE THAN ONE
FULL FLOOR
+4 .38/.12 .38/.12 .38/.12 .35/.12
+3 .38/.12 .38/.12 .38/.12 .35/.12
+2 .38/.12 .38/.12 .38/.12 .35/.12
+1 .52/.12 .38/.12 .38/.12 .35/.12
0 1.18/.12 .67/.12 .41/.12 .35/.12
-15 SEE FOOTNOTE
1 Pre-FIRM construction refers to a building that has a start of construction date or substantial improvement date on or before
12/31/74, or before the effective date of the initial FIRM. If FIRM zone is unknown, use rates for zones A, AE, AO, AH, D.
2 Base deductible is $2,000.
3 Base deductible is $1,000.
4 Includes subgrade crawlspace.
5 Use Pre-FIRM Not Elevation-Rated AR and AR Dual Zones Rate Table above.
CoNdo 12 May 1, 2011
Table 3d rCbaP HIGH-rISe CoNdoMINIuM raTeS
ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional)
reGular ProGraM - 1975-19811 PoST-fIrM CoNSTruCTIoN2
fIrM ZoNeS V1-V30, Ve - buIldING raTeS
ELEVATION OF LOWEST FLOOR
ABOVE OR BELOW BFE
BUILDING TYPE
3 OR MORE FLOORS NO BASEMENT/
ENCLOSURE/CRAWLSPACE3
3 OR MORE FLOORS WITH BASEMENT/
ENCLOSURE/CRAWLSPACE3
04 3.05/.15 2.91/.15
-15 8.90/.64 4.68/.48
-2 *** ***
1975-1981 PoST-fIrM CoNSTruCTIoN
fIrM ZoNeS V1-V30, Ve - CoNTeNTS raTeS
ELEVATION OF
LOWEST FLOOR
ABOVE OR
BELOW BFE
CONTENTS LOCATION
LOWEST FLOOR ONLY ?
ABOVE GROUND LEVEL
(NO BASEMENT/
ENCLOSURE/CRAWLSPACE3)
LOWEST FLOOR ABOVE
GROUND LEVEL AND HIGHER
FLOORS (NO BASEMENT/
ENCLOSURE/CRAWLSPACE3)
BASEMENT/
ENCLOSURE/
CRAWLSPACE3
AND ABOVE
ABOVE GROUND
LEVEL ? MORE
THAN ONE FULL
FLOOR
04 4.50/.63 2.95/.70 1.65/.77 .62/.29
-15 9.91/4.81 5.85/3.71 1.95/.77 .62/.29
-2 *** *** *** ***
1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in zones VE and V1-V30 will be allowed to use the Post-'81 V-Zone
rate table if the rates are more favorable to the insured. See instructions in the Rating section for V-Zone Optional Rating.
2 For 1981 Post-FIRM construction rating, refer to Tables 5A and 5B.
3 Includes subgrade crawlspace.
4 These rates are to be used if the lowest floor of the building is at or above the BFE.
5 Use Submit-for-Rate procedures if the enclosure below the lowest floor of an elevated building, which is used for rating, is 1 or more
feet below BFE.
***SubMIT for raTING
reGular ProGraM 1975-1981 PoST-fIrM CoNSTruCTIoN
uNNuMbered V ZoNe - eleVaTed buIldINGS
sUBMit FoR RatinG
CoNdo 13 May 1, 2011
Table 4a rCbaP loW-rISe CoNdoMINIuM raTeS
(Including Townhouse/Rowhouse)
ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional)
reGular ProGraM - Pre-fIrM CoNSTruCTIoN raTeS1
fIrM ZoNeS: A, A1-A30, AE, AO, AH, D V, VE A99, B, C, X
BUILDING CONTENTS BUILDING CONTENTS BUILDING CONTENTS
BUILDING
TYPE
NO BASEMENT/ENCLOSURE .70/.57 .96/1.06 .93/1.51 1.23/2.77 .74/.21 1.20/.37
WITH BASEMENT .75/.70 .96/.89 1.00/2.62 1.23/2.61 .81/.30 1.36/.46
WITH ENCLOSURE .75/.83 .96/.92 1.00/2.85 1.23/2.84 .81/.34 1.36/.54
ELEVATED ON CRAWLSPACE .70/.57 .96/1.06 .93/1.51 1.23/2.77 .74/.21 1.20/.37
NON-ELEVATED WITH
SUBGRADE CRAWLSPACE
.70/.57 .96/1.06 .93/1.51 1.23/2.77 .74/.21 1.20/.37
reGular ProGraM - PoST-fIrM CoNSTruCTIoN raTeS
fIrM ZoNeS: A99, B, C, X D
BUILDING CONTENTS BUILDING CONTENTS
BUILDING TYPE
NO BASEMENT/ENCLOSURE .74/.21 1.20/.37 1.03/.39 1.11/.65
WITH BASEMENT .81/.30 1.36/.46 *** ***
WITH ENCLOSURE .81/.34 1.36/.54 *** ***
ELEVATED ON CRAWLSPACE .74/.21 1.20/.37 1.03/.39 1.11/.65
NON-ELEVATED WITH
SUBGRADE CRAWLSPACE
.74/.21 1.20/.37 1.03/.39 1.11/.65
fIrM ZoNeS: AO, AH (NO BASEMENT/ENCLOSURE/CRAWLSPACE BUILDINGS ONLY2)
BUILDING CONTENTS
WITH CERTIFICATION OF COMPLIANCE3 .21/.08 .38/.13
WITHOUT CERTIFICATION OF COMPLIANCE OR
WITHOUT ELEVATION CERTIFICATE4 .95/.21 1.17/.22
1 Pre-FIRM construction refers to a building that has a start of construction date or substantial improvement date on or before 12/31/74,
or before the effective date of the initial FIRM. If FIRM zone is unknown, use rates for zones A, AE, AO, AH, D.
2 Zones AO, AH Buildings with Basement/Enclosure/Crawlspace/Subgrade Crawlspace: follow Submit-for-Rate procedures.
3 "With Certification of Compliance" rates are to be used when the Elevation Certificate shows that the lowest floor elevation is equal to
or greater than the community's elevation requirement.
4 "Without Certification of Compliance" rates are to be used only on Post-FIRM structures without an Elevation Certificate or when the
Elevation Certificate shows that the lowest floor elevation of a Post-FIRM structure is less than the community's elevation requirement.
***SubMIT for raTING
CoNdo 14 May 1, 2011
Table 4b rCbaP loW-rISe CoNdoMINIuM raTeS
(Including Townhouse/Rowhouse)
ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional)
reGular ProGraM - PoST-fIrM CoNSTruCTIoN
fIrM ZoNeS a1-a30, ae - buIldING raTeS
ELEVATION OF BUILDING TYPE
LOWEST FLOOR
ABOVE OR
BELOW BFE1
ONE FLOOR NO BASEMENT/
ENCLOSURE/ CRAWLSPACE2
MORE THAN ONE FLOOR NO
BASEMENT/ENCLOSURE
CRAWLSPACE2
MORE THAN ONE FLOOR WITH
BASEMENT/ENCLOSURE/
CRAWLSPACE2
+4 .18/.08 .18/.08 .18/.08
+3 .20/.08 .18/.08 .18/.08
+2 .27/.08 .20/.08 .20/.08
+1 .49/.09 .29/.08 .24/.08
0 1.20/.10 .78/.10 .61/.10
-13 3.15/.84 2.37/.70 1.38/.57
-2 *** *** ***
fIrM ZoNeS a1-a30, ae - CoNTeNTS raTeS
ELEVATION OF
LOWEST FLOOR
ABOVE OR
BELOW BFE1
CONTENTS LOCATION
LOWEST FLOOR ONLY -
ABOVE GROUND LEVEL (NO
BASEMENT/ENCLOSURE/
CRAWLSPACE2)
LOWEST FLOOR ABOVE
GROUND LEVEL AND HIGHER
FLOORS (NO BASEMENT/
ENCLOSURE/CRAWLSPACE2)
BASEMENT/
ENCLOSURE/
CRAWLSPACE2
AND ABOVE
ABOVE GROUND LEVEL
- MORE THAN ONE
FULL FLOOR
+4 .38/.12 .38/.12 .38/.12 .35/.12
+3 .38/.12 .38/.12 .38/.12 .35/.12
+2 .38/.12 .38/.12 .38/.12 .35/.12
+1 .52/.12 .38/.12 .38/.12 .35/.12
0 1.18/.12 .67/.12 .41/.12 .35/.12
-13 3.45/.70 2.00/.47 .66/.14 .35/.12
-2 *** *** *** .35/.12
1 If LF is -1 because of attached garage, submit application for special consideration if the building is described and rated as a
single-family dwelling; rate may be lower.
2 Includes subgrade crawlspace.
3 Use Submit-for-Rate procedures if either the enclosure below the lowest floor of an elevated building or the crawlspace (under-floor
space) that has its interior floor within 2 feet below grade on all sides, which is used for rating, is 1 or more feet below BFE.
***SubMIT for raTING
CoNdo 15 May 1, 2011
Table 4C rCbaP loW-rISe CoNdoMINIuM raTeS
(Including Townhouse/Rowhouse)
ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional)
uNNuMbered ZoNe a - WITHouT baSeMeNT/eNCloSure/CraWlSPaCe1,2
ELEVATION DIFFERENCE BUILDING CONTENTS3 TYPE OF ELEVATION CERTIFICATE
+5 OR MORE .36/.10 .49/.12
NO BASE FLOOD ELEVATION4
+2 TO +4 1.01/.12 .78/.15
+1 2.03/.63 1.50/.27
0 OR BELOW *** ***
+2 OR MORE .34/.08 .44/.12
WITH BASE FLOOD ELEVATION5
0 TO +1 .78/.11 .94/.15
-1 2.94/.83 2.66/.41
-2 OR BELOW *** ***
NO ELEVATION CERTIFICATE6 3.68/1.44 3.33/.91 NO ELEVATION CERTIFICATE
1 Zone A buildings with basement/enclosure without proper openings/crawlspace without proper openings/subgrade crawlspace: follow
Submit-for-Rate procedures in the Rating section.
2 Pre-FIRM buildings with basement/enclosure/crawlspace/subgrade crawlspace may use this table if the rates are more favorable to the
insured. For optional rating, follow the Submit-for-Rate procedures in the Rating section.
3 For elevation-rated policies, when contents are located one floor or more above lowest floor used for rating, use .35/.12.
4 NO BASE FLOOD ELEVATION: Elevation difference is the measured distance between the lowest floor of the building
and the highest adjacent grade next to the building.
5 WITH BASE FLOOD ELEVATION: Elevation difference is the measured distance between the lowest floor of the building and the BFE
provided by the community or registered professional engineer, surveyor, or architect.
6 For building without basement, enclosure, crawlspace or subgrade crawlspace, Elevation Certificate is optional.
***SubMIT for raTING
CoNdo 16 May 1, 2011
Table 4d rCbaP loW-rISe CoNdoMINIuM raTeS
(Including Townhouse/Rowhouse)
ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional)
ar aNd ar dual ZoNeS
reGular ProGraM - Pre-fIrM1,2 aNd PoST-fIrM3 NoT eleVaTIoN-raTed raTeS
BUILDING TYPE BUILDING CONTENTS
NO BASEMENT/ENCLOSURE .74/.21 1.20/.37
WITH BASEMENT .81/.30 1.36/.46
WITH ENCLOSURE .81/.34 1.36/.54
ELEVATED ON CRAWLSPACE .74/.21 1.20/.37
NON-ELEVATED WITH SUBGRADE
CRAWLSPACE
.74/.21 1.20/.37
reGular ProGraM - Pre-fIrM aNd PoST-fIrM eleVaTIoN-raTed raTeS
buIldING raTeS
ELEVATION OF LOWEST
FLOOR ABOVE OR
BELOW BFE
BUILDING TYPE
ONE FLOOR NO BASEMENT/
ENCLOSURE/CRAWLSPACE4
MORE THAN ONE FLOOR NO
BASEMENT/ENCLOSURE/
CRAWLSPACE4
MORE THAN ONE FLOOR WITH
BASEMENT/ENCLOSURE/
CRAWLSPACE4
+4 .18/.08 .18/.08 .18/.08
+3 .20/.08 .18/.08 .18/.08
+2 .27/.08 .20/.08 .20/.08
+1 .49/.09 .29/.08 .24/.08
0 .74/.21 .78/.10 .61/.10
-15 SEE FOOTNOTE
CoNTeNTS raTeS
ELEVATION OF LOWEST
FLOOR ABOVE OR
BELOW BFE
CONTENTS LOCATION
LOWEST FLOOR ONLY
- ABOVE GROUND
LEVEL(NO BASEMENT/
ENCLOSURE/
CRAWLSPACE4)
LOWEST FLOOR ABOVE
GROUND LEVEL AND
HIGHER FLOORS (NO
BASEMENT/ENCLOSURE/
CRAWLSPACE4)
BASEMENT/ENCLOSURE/
CRAWLSPACE4 AND
ABOVE
ABOVE GROUND LEVEL
- MORE THAN ONE FULL
FLOOR
+4 .38/.12 .38/.12 .38/.12 .35/.12
+3 .38/.12 .38/.12 .38/.12 .35/.12
+2 .38/.12 .38/.12 .38/.12 .35/.12
+1 .52/.12 .38/.12 .38/.12 .35/.12
0 1.18/.12 .67/.12 .41/.12 .35/.12
-15 SEE FOOTNOTE
1 Pre-FIRM construction refers to a building that has a start of construction date or substantial improvement date on or before 12/31/74,
or before the effective date of the initial FIRM.
2 Base deductible is $2,000.
3 Base deductible is $1,000.
4 Includes subgrade crawlspace.
5 Use Pre-FIRM Not Elevation-Rated AR and AR Dual Zones Rate Table above.
CoNdo 17 May 1, 2011
Table 4e rCbaP loW-rISe CoNdoMINIuM raTeS
(Including Townhouse/Rowhouse)
ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional)
reGular ProGraM - 1975-19811 PoST-fIrM CoNSTruCTIoN2
fIrM ZoNeS V1-V30, Ve - buIldING raTeS
ELEVATION OF LOWEST
FLOOR ABOVE OR
BELOW BFE
BUILDING TYPE
ONE FLOOR NO BASEMENT/
ENCLOSURE/CRAWLSPACE3
MORE THAN ONE FLOOR NO
BASEMENT/ENCLOSURE/
CRAWLSPACE3
MORE THAN ONE FLOOR WITH
BASEMENT/ENCLOSURE/
CRAWLSPACE3
04 2.73/.51 2.19/.51 1.89/.51
-15 5.98/3.12 5.47/3.12 3.91/2.83
-2 *** *** ***
reGular ProGraM - 1975-19811 PoST-fIrM CoNSTruCTIoN
fIrM ZoNeS V1-V30, Ve - CoNTeNTS raTeS
ELEVATION OF LOWEST
FLOOR ABOVE OR
BELOW BFE
CONTENTS LOCATION
LOWEST FLOOR ONLY -
ABOVE GROUND LEVEL (NO
BASEMENT/ENCLOSURE/
CRAWLSPACE3)
LOWEST FLOOR ABOVE
GROUND LEVEL AND HIGHER
FLOORS (NO BASEMENT/
ENCLOSURE/CRAWLSPACE3)
BASEMENT/
ENCLOSURE/
CRAWLSPACE3 AND
ABOVE
ABOVE GROUND
LEVEL - MORE THAN
ONE FULL FLOOR
04 4.50/.63 2.95/.70 1.65/.77 .62/.29
-15 9.91/4.81 5.85/3.71 1.95/.77 .62/.29
-2 *** *** *** .62/.29
1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in zones VE and V1-V30 will be allowed to use the Post- '81 V Zone
rate table if the rates are more favorable to the insured. See instructions in the Rating section for V-Zone Optional Rating.
2 For 1981 Post-FIRM construction rating, refer to Tables 5A and 5B.
3 Includes subgrade crawlspace.
4 These rates are to be used if the lowest floor of the building is at or above the BFE.
5 Use Submit-for-Rate procedures if the enclosure below the lowest floor of an elevated building, which is used for rating, is 1 or more
feet below BFE.
***SUBMIT FOR RATING
reGular ProGraM - 1975-1981 PoST-fIrM CoNSTruCTIoN
uNNuMbered V ZoNe - eleVaTed buIldINGS
SUBMIT FOR RATING
CoNdo 18 May 1, 2011
Table 5a rCbaP HIGH-rISe aNd loW-rISe CoNdoMINIuM raTeS
(Including Townhouse/Rowhouse)
ANNUAL RATES PER $100 OF COVERAGE
1981 PoST-fIrM V1-V30, Ve ZoNe raTeS1
eleVaTed buIldINGS free of obSTruCTIoN2 beloW THe
beaM SuPPorTING THe buIldING'S loWeST floor
ELEVATION OF THE BOTTOM OF THE FLOOR
BEAM OF THE LOWEST FLOOR ABOVE OR BELOW
BASE FLOOD ELEVATION ADjUSTED FOR
WAVE HEIGHT AT BUILDING SITE3 BUILDING RATE CONTENTS RATE
+4 or more .71 .53
+3 .86 .54
+2 1.12 .73
+1 1.63 1.25
0 2.34 1.90
- 1 3.07 2.73
- 2 4.15 3.90
- 3 5.35 5.35
- 4 or lower *** ***
Rates above are only for elevated buildings. Use Specific Rating Guidelines
for non-elevated buildings.
1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in zones VE and V1-V30 will be allowed to use the Post-'81 V-Zone
rate table if the rates are more favorable to the insured. See instructions in the Rating section for V-Zone Optional Rating.
2 Free of Obstruction - The space below the lowest elevated floor must be completely free of obstructions or any attachment to the
building, or may have:
(1) Insect screening, provided that no additional supports are required for the screening; or
(2) Wooden or plastic lattice with at least 40 percent of its area open and made of material no thicker than 1/2 inch; or
(3) Wooden or plastic slats or shutters with at least 40 percent of their area open and made of material no thicker than 1 inch.
(4) One solid breakaway wall or a garage door, with the remaining sides of the enclosure constructed of insect screening, wooden or
plastic lattice, slats, or shutters.
Any of these systems must be designed and installed to collapse under stress without jeopardizing the structural support of the
building, so that the impact on the building of abnormally high tides or wind-driven water is minimized. Any machinery or equipment
below the lowest elevated floor must be at or above the BFE.
3 Wave height adjustment is not required in those cases where the Flood Insurance Rate Map indicates that the map
includes wave height.
***SUBMIT FOR RATING
CoNdo 19 May 1, 2011
Table 5b rCbaP HIGH-rISe aNd loW-rISe CoNdoMINIuM raTeS
(Including Townhouse/Rowhouse)
ANNUAL RATES PER $100 OF COVERAGE
1981 PoST-fIrM V1-V30, Ve ZoNe raTeS1,2
eleVaTed buIldINGS WITH obSTruCTIoN3 beloW THe
beaM SuPPorTING THe buIldING'S loWeST floor
ELEVATION OF THE BOTTOM OF THE FLOOR
BEAM OF THE LOWEST FLOOR ABOVE OR
BELOW BASE FLOOD ELEVATION ADjUSTED
FOR WAVE HEIGHT AT BUILDING SITE4 BUILDING RATE CONTENTS RATE
+4 or more 1.28 .67
+3 1.43 .68
+2 1.68 .86
+1 2.12 1.38
0 2.93 2.05
-15 3.53 2.81
-25 4.67 4.01
-35 5.89 5.48
- 4 or lower5 *** ***
1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in zones VE and V1-V30 will be allowed to use the Post-'81 V Zone
rate table if the rates are more favorable to the insured. See instructions in the Rating section for V-Zone Optional Rating.
2 Rates provided are only for elevated buildings, except those elevated on solid perimeter foundation walls. For buildings elevated on solid
perimeter foundation walls, and for non-elevated buildings, use the Specific Rating Guidelines document.
3 With Obstruction - The space below has an area of less than 300 square feet with breakaway solid walls or contains equipment below
the BFE. If the space below has an area of 300 square feet or more, or if any portion of the space below the elevated floor is enclosed
with non-breakaway walls, submit for rating. If the enclosure is at or above the BFE, use the "Free of Obstruction" rate table on the
preceding page. The elevation of the bottom enclosure floor is the lowest floor for rating (LFE). See the Rating section for details.
4 Wave height adjustment is not required in those cases where the Flood Insurance Rate Map indicates that the map includes
wave height.
5 For buildings with obstruction, use Submit-for-Rate procedures if the enclosure below the lowest elevated floor of an elevated building,
which is used for rating, is 1 or more feet below BFE.
***SUBMIT FOR RATING
Table 5C rCbaP HIGH-rISe aNd loW-rISe buIldING raTeS
(Including Townhouse/Rowhouse)
aNNual raTeS Per $100 of CoVeraGe
1981 PoST-fIrM V-ZoNe raTeS
SUBMIT FOR RATING
CoNdo 20 May 1, 2011
Table 6 rCbaP HIGH-rISe aNd loW-rISe CoNdoMINIuM raTeS
(Including Townhouse/Rowhouse)
INCreaSed CoST of CoMPlIaNCe (ICC) CoVeraGe
all except Submit-for-rate Policies1
Premiums for $30,000 ICC Coverage
FIRM2 ZONE PREMIUM
POST-FIRM
A, AE, A1-A30, AO, AH $ 5
AR, AR DUAL ZONES $ 5
Post-'81 V1-V30, VE $18
'75-'81 V1-V30, VE $30
A99, B, C, X, D $ 5
PRE-FIRM
A, AE, A1-A30, AO, AH $70
AR, AR DUAL ZONES $ 5
V, VE, V1-V30 $70
A99, B, C, X, D $ 5
1 Use the ICC premium table contained in the Specific Rating Guidelines.
2 Elevation-rated Pre-FIRM buildings should use Post-FIRM ICC premiums.
CoNdo 21 May 1, 2011
Table 7 rCbaP deduCTIble faCTorS - all ZoNeS
CaTeGorY 1 - loW-rISe CoNdoMINIuM buIldING-aNd-CoNTeNTS PolICIeS
DEDUCTIBLE OPTIONS
DEDUCTIBLE FACTOR
SINGLE FAMILY 2-4 UNITS 5 OR MORE UNITS
BUILDING/CONTENTS
POST-FIRM
$1,000 DED.
PRE-FIRM
$2,000 DED.
POST-FIRM
$1,000 DED.
PRE-FIRM
$2,000 DED.
POST-FIRM
$1,000 DED.
PRE-FIRM
$2,000 DED.
$1,000/$1,000 1.000 1.100 1.000 1.050 1.000 1.050
$2,000/$2,000 .925 1.000 .960 1.000 .975 1.000
$3,000/$3,000 .850 .925 .930 .965 .950 .975
$4,000/$4,000 .775 .850 .900 .930 .925 .950
$5,000/$5,000 .750 .810 .880 .910 .915 .930
$10,000/$10,000 .635 .675 .735 .765 .840 .860
$25,000/$25,000 .535 .570 .635 .665 .740 .760
CaTeGorY 2 - loW-rISe CoNdoMINIuM buIldING-oNlY PolICIeS
DEDUCTIBLE OPTIONS
DEDUCTIBLE FACTOR
SINGLE FAMILY 2-4 UNITS 5 OR MORE UNITS
POST-FIRM
$1,000 DED.
PRE-FIRM
$2,000 DED.
POST-FIRM
$1,000 DED.
PRE-FIRM
$2,000 DED.
POST-FIRM
$1,000 DED.
PRE-FIRM
$2,000 DED.
$1,000 1.000 1.100 1.000 1.075 1.000 1.050
$2,000 .925 1.000 .950 1.000 .970 1.000
$3,000 .865 .935 .910 .960 .940 .970
$4,000 .815 .880 .870 .920 .920 .950
$5,000 .765 .830 .835 .880 .900 .930
$10,000 .630 .685 .650 .690 .830 .860
$25,000 .530 .580 .550 .585 .730 .760
CaTeGorY 3 - HIGH-rISe CoNdoMINIuM PolICIeS, building-and-Contents and building-only
The deductible factors are multipliers, and total deductible amounts are subject
to a maximum dollar discount per annual premium.
buIldING/CoNTeNTS buIldING oNlY
DEDUCTIBLE
OPTIONS
DEDUCTIBLE FACTOR
MAXIMUM
DISCOUNT
POST-FIRM
$1,000
DEDUCTIBLE
PRE-FIRM
$2,000
DEDUCTIBLE
$1,000/ $1,000 1.000 1.050 N/A
$2,000/ $2,000 .980 1.000 $ 56
$3,000/ $3,000 .960 .980 $ 111
$4,000/ $4,000 .940 .960 $ 166
$5,000/ $5,000 .920 .940 $ 221
$10,000/$10,000 .840 .860 $ 476
$25,000/$25,000 .740 .760 $ 1,001
DEDUCTIBLE
OPTIONS
DEDUCTIBLE FACTOR
MAXIMUM
DISCOUNT
POST-FIRM
$1,000
DEDUCTIBLE
PRE-FIRM
$2,000
DEDUCTIBLE
$1,000 1.000 1.050 N/A
$2,000 .970 1.000 $ 55
$3,000 .940 .970 $ 110
$4,000 .920 .950 $ 165
$5,000 .900 .930 $ 220
$10,000 .830 .860 $ 475
$25,000 .730 .760 $ 1,000
CoNdo 22 May 1, 2011
X CoNdoMINIuM raTING eXaMPleS
Table of CoNTeNTS
eXaMPLe PaGe
Example 1 Pre-FIRM, Low-rise, with Enclosure, Coinsurance Penalty, Zone A . . . . . . . . . . . CONDO 24
Example 2 Pre-FIRM, Low-rise, No Basement/Enclosure, Zone AE. . . . . . . . . . . . . . . . . . . CONDO 25
Example 3 Post-FIRM, Low-rise, Coinsurance Penalty, Zone AE . . . . . . . . . . . . . . . . . . . . . CONDO 26
Example 4 Post-FIRM, Low-rise, Standard Deductible, Zone AE. . . . . . . . . . . . . . . . . . . . . CONDO 27
Example 5 Pre-FIRM, High-rise, Standard Deductible, Coinsurance Penalty, Zone A . . . . . . CONDO 28
Example 6 Pre-FIRM, High-rise, Basement, Maximum Discount, Zone AE. . . . . . . . . . . . . . CONDO 29
Example 7 Post-FIRM, High-rise, Standard Deductible, Zone AE . . . . . . . . . . . . . . . . . . . . CONDO 30
Example 8 Pre-FIRM, High-rise, Enclosure, Maximum Discount,
Coinsurance Penalty, Zone AE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CONDO 31
CoNdo 23 May 1, 2011
CoNdoMINIuM raTING eXaMPle 1
Pre-fIrM, loW-rISe, WITH eNCloSure, CoINSuraNCe PeNalTY, ZoNe a
reGular ProGraM:
? Building Coverage: $140,000
? Contents Coverage: $100,000
? Condominium Type: Low-rise
? Flood Zone: A
? Occupancy: Other Residential
? # of Units: 6
? Date of Construction: Pre-FIRM
? Building Type: 3 Floors Including Enclosure
? Deductible: $2,000/$2,000
? Deductible Factor: 1.000
? Replacement Cost: $600,000
? Elevation Difference: N/A
? 80% Coinsurance Amount: $480,000
? ICC Premium: $70 ($30,000 Coverage)
? CRS Rating: N/A
? CRS Discount: N/A
deTerMINed raTeS:
Building: .75/.83 Contents: .96/.92
COVERAGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY) DEDUCTIBLE
BASIC AND
ADDITIONAL
TOTAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
PREM. REDUCTION/
INCREASE
TOTAL AMOUNT
OF INSURANCE
BUILDING 140,000 .75 1,050 0 .83 0 0 140,000 1,050
CONTENTS 25,000 .96 240 75,000 .92 690 0 140,000 930
RATE TYPE: (ONE BUILDING PER POLICY - BLANKET COVERAGE NOT PERMITTED)
MANUAL SUBMIT FOR RATING
ALTERNATIVE V-ZONE RISK RATING FORM
PROVISIONAL RATING LEASED FEDERAL PROPERTY
MORTGAGE PORTFOLIO PROTECTION PROGRAM
PAYMENT OPTION:
CREDIT CARD
OTHER:
ANNUAL SUBTOTAL 1,980
ICC PREMIUM 70
SUBTOTAL 2,050
CRS PREMIUM DISCOUNT % -
SUBTOTAL 2,050
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY)
PROBATION SURCHARGE -
FEDERAL POLICY FEE 200
TOTAL PREPAID AMOUNT 2,250
PreMIuM CalCulaTIoN:
1. Multiply Rate ?~ $100 of Coverage: Building: $1,050 / Contents: $930
2. Apply Deductible Factor: Building: 1.000 ?~ $1,050 = $1,050 / Contents: 1.000 ?~ $930 = $930
3. Premium Reduction: Building: $0 / Contents: 0
4. Subtotal: 1,980
5. Add ICC Premium: $70
6. Subtract CRS Discount: N/A
7. Subtotal: 2,050
8. Probation Surcharge: N/A
9. Add Federal Policy Fee: $200
10. Total Prepaid Amount: $2,250
ClaIMS adJuSTMeNT WITH CoINSuraNCe ProVISIoN
Claim Payment is determined as follows:
(Insurance Carried) 140,000
?~ (Amount of Loss) 100,000 = (Limit of Recovery) 29,167 - Less Deductible
(Insurance Required) 480,000
(Coinsurance Penalty applies because minimum insurance amount of $480,000 was not met.)
CoNdo 24 May 1, 2011
CoNdoMINIuM raTING eXaMPle 2
Pre-fIrM, loW-rISe, No baSeMeNT/eNCloSure, ZoNe ae
reGular ProGraM:
? Building Coverage: $480,000
? Contents Coverage: $50,000
? Condominium Type: Low-rise
? Flood Zone: AE
? Occupancy: Other Residential
? # of Units: 6
? Date of Construction: Pre-FIRM
? Building Type: 1 Floor, No Basement
? Deductible: $2,000/$2,000
? Deductible Factor: 1.000
? Replacement Cost: $600,000
? Elevation Difference: N/A
? 80% Coinsurance Amount: $480,000
? ICC Premium: $70 ($30,000 Coverage)
? CRS Rating: N/A
? CRS Discount: N/A
deTerMINed raTeS:
Building: .70/.57 Contents: .96/1.06
COVERAGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY) DEDUCTIBLE
BASIC AND
ADDITIONAL
TOTAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
PREM. REDUCTION/
INCREASE
TOTAL AMOUNT
OF INSURANCE
BUILDING 360,000 .70 2,520 120,000 .57 684 0 480,000 3,204
CONTENTS 25,000 .96 240 25,000 1.06 265 0 50,000 505
RATE TYPE: (ONE BUILDING PER POLICY - BLANKET COVERAGE NOT PERMITTED)
MANUAL SUBMIT FOR RATING
ALTERNATIVE V-ZONE RISK RATING FORM
PROVISIONAL RATING LEASED FEDERAL PROPERTY
MORTGAGE PORTFOLIO PROTECTION PROGRAM
PAYMENT OPTION:
CREDIT CARD
OTHER:
ANNUAL SUBTOTAL 3,709
ICC PREMIUM 70
SUBTOTAL 3,779
CRS PREMIUM DISCOUNT % -
SUBTOTAL 3,779
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY)
PROBATION SURCHARGE -
FEDERAL POLICY FEE 200
TOTAL PREPAID AMOUNT 3,979
PreMIuM CalCulaTIoN:
1. Multiply Rate ?~ $100 of Coverage: Building: $3,204 / Contents: $505
2. Apply Deductible Factor: Building: 1.00 ?~ $3,204 = $3,204 / Contents: 1.00 ?~ $505 = $505
3. Premium Reduction: Building: $0 / Contents: $0
4. Subtotal: $3,709
5. Add ICC Premium: $70
6. Subtract CRS Discount: N/A
7. Subtotal: $3,779
8. Probation Surcharge: N/A
9. Add Federal Policy Fee: $200
10. Total Prepaid Amount: $3,979
ClaIMS adJuSTMeNT WITH CoINSuraNCe ProVISIoN
Coinsurance Penalty does not apply since minimum insurance amount of 80% was met.
CoNdo 25 May 1, 2011
CoNdoMINIuM raTING eXaMPle 3
PoST-fIrM, loW-rISe, CoINSuraNCe PeNalTY, ZoNe ae
reGular ProGraM:
? Building Coverage: $750,000
? Contents Coverage: $100,000
? Condominium Type: Low-rise
? Flood Zone: AE
? __________Occupancy: Other Residential
? # of Units: 14
? Date of Construction: Post-FIRM
? Building Type: 2 Floors, No Basement/Enclosure
? Deductible: $1,000/$1,000
? Deductible Factor: 1.000
? Replacement Cost: $1,120,000
? Elevation Difference: +1
? 80% Coinsurance Amount: $896,000
? ICC Premium: $5 ($30,000 Coverage)
? CRS Rating: N/A
? CRS Discount: N/A
deTerMINed raTeS:
Building: .29/.08 Contents: .38/.12
COVERAGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY) DEDUCTIBLE
BASIC AND
ADDITIONAL
TOTAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
PREM. REDUCTION/
INCREASE
TOTAL AMOUNT
OF INSURANCE
BUILDING 750,000 .29 2,175 0 .08 0 0 750,000 2,175
CONTENTS 25,000 .38 95 75,000 .12 90 0 100,000 185
RATE TYPE: (ONE BUILDING PER POLICY - BLANKET COVERAGE NOT PERMITTED)
MANUAL SUBMIT FOR RATING
ALTERNATIVE V-ZONE RISK RATING FORM
PROVISIONAL RATING LEASED FEDERAL PROPERTY
MORTGAGE PORTFOLIO PROTECTION PROGRAM
PAYMENT OPTION:
CREDIT CARD
OTHER:
ANNUAL SUBTOTAL 2,360
ICC PREMIUM 5
SUBTOTAL 2,365
CRS PREMIUM DISCOUNT % -
SUBTOTAL 2,365
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY)
PROBATION SURCHARGE -
FEDERAL POLICY FEE 440
TOTAL PREPAID AMOUNT 2,805
PreMIuM CalCulaTIoN:
1. Multiply Rate ?~ $100 of Coverage: Building: $2,175 / Contents: $185
2. Apply Deductible Factor: Building: 1.000 ?~ $2,175 = $2,175 / Contents: 1.000 ?~ $185 = $185
3. Premium Reduction/Increase: Building: $0 / Contents: $0
4. Subtotal: $2,360
5. Add ICC Premium: $5
6. Subtract CRS Discount: N/A
7. Subtotal: $2,365
8. Probation Surcharge: N/A
9. Add Federal Policy Fee: $440
10. Total Prepaid Amount: $2,805
ClaIMS adJuSTMeNT WITH CoINSuraNCe ProVISIoN
Claim Payment is determined as follows:
(Insurance Carried) 750,000
?~ (Amount of Loss) 300,000 = (Limit of Recovery) 251,116 - Less Deductible
(Insurance Required) 896,000
(Coinsurance Penalty applies because minimum insurance amount of $896,000 was not met.)
CoNdo 26 May 1, 2011
CoNdoMINIuM raTING eXaMPle 4
PoST-fIrM, loW-rISe, STaNdard deduCTIble, ZoNe ae
reGular ProGraM:
? Building Coverage: $600,000
? Contents Coverage: $15,000
? Condominium Type: Low-rise
? Flood Zone: AE
? Occupancy: Other Residential
? # of Units: 6
? Date of Construction: Post-FIRM
? Building Type: 3 Floors, Townhouse, No Basement/Enclosure
? Deductible: $1,000/$1,000
? Deductible Factor: 1.000
? Replacement Cost: $600,000
? Elevation Difference: +2
? 80% Coinsurance Amount: $480,000
? ICC Premium: $5 ($30,000 Coverage)
? CRS Rating: N/A
? CRS Discount: N/A
deTerMINed raTeS:
Building: .20/.08 Contents: .38/.12
COVERAGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY) DEDUCTIBLE
BASIC AND
ADDITIONAL
TOTAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
PREM. REDUCTION/
INCREASE
TOTAL AMOUNT
OF INSURANCE
BUILDING 360,000 .20 720 240,000 .08 192 0 600,000 912
CONTENTS 15,000 .38 57 0 .12 0 0 15,000 57
RATE TYPE: (ONE BUILDING PER POLICY - BLANKET COVERAGE NOT PERMITTED)
MANUAL SUBMIT FOR RATING
ALTERNATIVE V-ZONE RISK RATING FORM
PROVISIONAL RATING LEASED FEDERAL PROPERTY
MORTGAGE PORTFOLIO PROTECTION PROGRAM
PAYMENT OPTION:
CREDIT CARD
OTHER:
ANNUAL SUBTOTAL 969
ICC PREMIUM 5
SUBTOTAL 974
CRS PREMIUM DISCOUNT % -
SUBTOTAL 974
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY)
PROBATION SURCHARGE -
FEDERAL POLICY FEE 200
TOTAL PREPAID AMOUNT 1,174
PreMIuM CalCulaTIoN:
1. Multiply Rate ?~ $100 of Coverage: Building: $912 / Contents: $57
2. Apply Deductible Factor: Building: 1.000 ?~ $912 = $912 / Contents: 1.000 ?~ $57 = $57
3. Premium Reduction/Increase: Building: $0 / Contents: $0
4. Subtotal: $969
5. Add ICC Premium: $5
6. Subtract CRS Discount: N/A
7. Subtotal: $974
8. Probation Surcharge: N/A
9. Add Federal Policy Fee: $200
10. Total Prepaid Amount: $1,174
ClaIMS adJuSTMeNT WITH CoINSuraNCe ProVISIoN
Coinsurance Penalty does not apply since the minimum insurance amount of 80% was met.
CoNdo 27 May 1, 2011
CoNdoMINIuM raTING eXaMPle 5
Pre-fIrM, HIGH-rISe, STaNdard deduCTIble, CoINSuraNCe PeNalTY, ZoNe a
reGular ProGraM:
? Building Coverage: $1,110,000
? Contents Coverage: $100,000
? Condominium Type: High-rise
? Flood Zone: A
? Occupancy: Other Residential
? # of Units: 50
? Date of Construction: Pre-FIRM
? Building Type: 3 or More Floors, No Basement/Enclosure
? Deductible: $2,000/$2,000
? Deductible Factor: 1.000
? Replacement Cost: $1,500,000
? Elevation Difference: N/A
? 80% Coinsurance Amount: $1,200,000
? ICC Premium: $70 ($30,000 Coverage)
? CRS Rating: 5
? CRS Discount: 25%
deTerMINed raTeS:
Building: .85/.22 Contents: .96/.74
COVERAGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY) DEDUCTIBLE
BASIC AND
ADDITIONAL
TOTAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
PREM. REDUCTION/
INCREASE
TOTAL AMOUNT
OF INSURANCE
BUILDING 175,000 .85 1,488 935,000 .22 2,057 0 1,110,000 3,545
CONTENTS 25,000 .96 240 75,000 .74 555 0 100,000 795
RATE TYPE: (ONE BUILDING PER POLICY - BLANKET COVERAGE NOT PERMITTED)
MANUAL SUBMIT FOR RATING
ALTERNATIVE V-ZONE RISK RATING FORM
PROVISIONAL RATING LEASED FEDERAL PROPERTY
MORTGAGE PORTFOLIO PROTECTION PROGRAM
PAYMENT OPTION:
CREDIT CARD
OTHER:
ANNUAL SUBTOTAL 4,340
ICC PREMIUM 70
SUBTOTAL 4,410
CRS PREMIUM DISCOUNT % -1,103
SUBTOTAL 3,307
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY)
PROBATION SURCHARGE -
FEDERAL POLICY FEE 840
TOTAL PREPAID AMOUNT 4,147
PreMIuM CalCulaTIoN:
1. Multiply Rate ?~ $100 of Coverage: Building: $3,545 / Contents: $795
2. Apply Deductible Factor: Building: 1.000 ?~ $3,545 = $3,545 / Contents: 1.000 ?~ $795 = $795
3. Premium Reduction/Increase: Building: $0 / Contents: $0
4. Subtotal: $4,340
5. Add ICC Premium: $70
6. Subtract CRS Discount: -$1,103 (25%)
7. Subtotal: $3,307
8. Probation Surcharge: N/A
9. Add Federal Policy Fee: $840
10. Total Prepaid Amount: $4,147
ClaIMS adJuSTMeNT WITH CoINSuraNCe ProVISIoN
Claim Payment is determined as follows:
(Insurance Carried) 1,110,000
?~ (Amount of Loss) 200,000 = (Limit of Recovery) 185,000 - Less Deductible
(Insurance Required) 1,200,000
(Coinsurance Penalty applies because minimum insurance amount of $1,200,000 was not met.)
CoNdo 28 May 1, 2011
CoNdoMINIuM raTING eXaMPle 6
Pre-fIrM, HIGH-rISe, baSeMeNT, MaXIMuM dISCouNT, ZoNe ae
reGular ProGraM:
? Building Coverage: $3,000,000
? Contents Coverage: $100,000
? Condominium Type: High-rise
? Flood Zone: AE
? Occupancy: Other Residential
? # of Units: 50
? Date of Construction: Pre-FIRM
? Building Type: 3 or More Floors, including Basement
? Deductible: $5,000/$5,000
? Deductible Factor: .940 (Maximum Total Discount of $221 applies)
? Replacement Cost: $3,750,000
? Elevation Difference: N/A
? 80% Coinsurance Amount: $3,000,000
? ICC Premium: $70 ($30,000 Coverage)
? CRS Rating: 8
? CRS Discount: 10%
deTerMINed raTeS:
Building: .90/.30 Contents: .96/.90
COVERAGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY) DEDUCTIBLE
BASIC AND
ADDITIONAL
TOTAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
PREM. REDUCTION/
INCREASE
TOTAL AMOUNT
OF INSURANCE
BUILDING 175,000 .90 1,575 2,825,000 .30 8,475 -221 3,000,000 9,829
CONTENTS 25,000 .96 240 75,000 .90 675 0 100,000 915
RATE TYPE: (ONE BUILDING PER POLICY - BLANKET COVERAGE NOT PERMITTED)
MANUAL SUBMIT FOR RATING
ALTERNATIVE V-ZONE RISK RATING FORM
PROVISIONAL RATING LEASED FEDERAL PROPERTY
MORTGAGE PORTFOLIO PROTECTION PROGRAM
PAYMENT OPTION:
CREDIT CARD
OTHER:
ANNUAL SUBTOTAL 10,744
ICC PREMIUM 70
SUBTOTAL 10,814
CRS PREMIUM DISCOUNT % -1,081
SUBTOTAL 9,733
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY)
PROBATION SURCHARGE -
FEDERAL POLICY FEE 840
TOTAL PREPAID AMOUNT 10,573
PreMIuM CalCulaTIoN:
1. Multiply Rate ?~ $100 of Coverage: Building: $10,050 / Contents: $915
2. Apply Deductible Factor: Building: .940 ?~ $10,050 = $9,447 / Contents: .940 ?~ $915 = $860
3. Premium Reduction: Building: $221 (maximum discount since $10,050 - $9,447 = $603
exceeds the maximum) / Contents: $0
4. Subtotal: $10,744
5. Add ICC Premium: $70
6. Subtract CRS Discount: -$1,081 (10%)
7. Subtotal: $9,733
8. Probation Surcharge: N/A
9. Add Federal Policy Fee: $840
10. Total Prepaid Amount: $10,573
ClaIMS adJuSTMeNT WITH CoINSuraNCe ProVISIoN
Coinsurance Penalty does not apply since the minimum insurance amount of 80% was met.
NoTe: The NFIP accepts premium only in whole dollars. If the discount for an optional deductible does not result in a wholedollar
premium, round up if 50?? or more; round down if less. Always submit gross premium.
CoNdo 29 May 1, 2011
CoNdoMINIuM raTING eXaMPle 7
PoST-fIrM, HIGH-rISe, STaNdard deduCTIble, ZoNe ae
reGular ProGraM:
? Building Coverage: $12,000,000
? Contents Coverage: $15,000
? Condominium Type: High-rise
? Flood Zone: AE
? Occupancy: Other Residential
? # of Units: 100
? Date of Construction: Post-FIRM
? Building Type: 3 or More Floors, No Basement/Enclosure
? Deductible: $1,000/$1,000
? Deductible Factor: 1.000
? Replacement Cost: $15,000,000
? Elevation Difference: 0
? 80% Coinsurance Amount: $12,000,000
? ICC Premium: $5 ($30,000 Coverage)
? CRS Rating: 9
? CRS Discount: 5%
deTerMINed raTeS:
Building: 1.43/.05 Contents: .67/.12
COVERAGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY) DEDUCTIBLE
BASIC AND
ADDITIONAL
TOTAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
PREM. REDUCTION/
INCREASE
TOTAL AMOUNT
OF INSURANCE
BUILDING 175,000 1.43 2,503 11,825,000 .05 5,913 0 12,000,000 8,416
CONTENTS 15,000 .67 101 0 .12 0 0 15,000 101
RATE TYPE: (ONE BUILDING PER POLICY - BLANKET COVERAGE NOT PERMITTED)
MANUAL SUBMIT FOR RATING
ALTERNATIVE V-ZONE RISK RATING FORM
PROVISIONAL RATING LEASED FEDERAL PROPERTY
MORTGAGE PORTFOLIO PROTECTION PROGRAM
PAYMENT OPTION:
CREDIT CARD
OTHER:
ANNUAL SUBTOTAL 8,517
ICC PREMIUM 5
SUBTOTAL 8,522
CRS PREMIUM DISCOUNT % -426
SUBTOTAL 8,096
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY)
PROBATION SURCHARGE -
FEDERAL POLICY FEE 840
TOTAL PREPAID AMOUNT 8,936
PreMIuM CalCulaTIoN:
1. Multiply Rate ?~ $100 of Coverage: Building: $8,416 / Contents: $101
2. Apply Deductible Factor: Building: 1.000 ?~ $8,416 = $8,416 / Contents: 1.000 ?~ $101 = $101
3. Premium Reduction/Increase: Building: $0 / Contents: $0
4. Subtotal: $8,517
5. Add ICC Premium: $5
6. Subtract CRS Discount: -$426 (5%)
7. Subtotal: $8,096
8. Probation Surcharge: N/A
9. Add Federal Policy Fee: $840
10. Total Prepaid Amount: $8,936
ClaIMS adJuSTMeNT WITH CoINSuraNCe ProVISIoN
Coinsurance Penalty does not apply since the minimum insurance amount of 80% was met.
NoTe: The NFIP accepts premium only in whole dollars. If the discount for an optional deductible does not result in a wholedollar
premium, round up if 50?? or more; round down if less. Always submit gross premium.
CoNdo 30 May 1, 2011
CoNdoMINIuM raTING eXaMPle 8
Pre-fIrM, HIGH-rISe, eNCloSure, MaXIMuM dISCouNT, CoINSuraNCe PeNalTY, ZoNe ae
reGular ProGraM:
? Building Coverage: $4,000,000
? Contents Coverage: $100,000
? Condominium Type: High-rise
? Flood Zone: AE
? Occupancy: Other Residential
? # of Units: 200
? Date of Construction: Pre-FIRM
? Building Type: 3 or More Floors, Including Enclosure
? Deductible: $3,000/$3,000
? Deductible Factor: .980 (Maximum Total Discount of $111 applies)
? Replacement Cost: $18,000,000
? Elevation Difference: N/A
? 80% Coinsurance Amount: $14,400,000
? ICC Premium: $70 ($30,000 Coverage)
? CRS Rating: N/A
? CRS Discount: N/A
deTerMINed raTeS:
Building: .90/.22 Contents: .96/1.07
COVERAGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY) DEDUCTIBLE
BASIC AND
ADDITIONAL
TOTAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
AMOUNT OF
INSURANCE RATE
ANNUAL
PREMIUM
PREM. REDUCTION/
INCREASE
TOTAL AMOUNT
OF INSURANCE
BUILDING 175,000 .90 1,575 3,825,000 .22 8,415 -111 4,000,000 9,879
CONTENTS 25,000 .96 240 75,000 1.07 803 0 100,000 1,043
RATE TYPE: (ONE BUILDING PER POLICY - BLANKET COVERAGE NOT PERMITTED)
MANUAL SUBMIT FOR RATING
ALTERNATIVE V-ZONE RISK RATING FORM
PROVISIONAL RATING LEASED FEDERAL PROPERTY
MORTGAGE PORTFOLIO PROTECTION PROGRAM
PAYMENT OPTION:
CREDIT CARD
OTHER:
ANNUAL SUBTOTAL 10,922
ICC PREMIUM 70
SUBTOTAL 10,992
CRS PREMIUM DISCOUNT % -
SUBTOTAL 10,992
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY)
PROBATION SURCHARGE -
FEDERAL POLICY FEE 840
TOTAL PREPAID AMOUNT 11,832
PreMIuM CalCulaTIoN:
1. Multiply Rate ?~ $100 of Coverage: Building: $9,990 / Contents: $1,043
2. Apply Deductible Factor: Building: .980 ?~ $9,990 = $9,790 / Contents: .980 ?~ $1,043 = $1,022
3. Premium Reduction: Building: $111 (maximum discount since $9,990 - $9,790 = $200
exceeds the maximum) / Contents: $0
4. Subtotal: $10,922
5. Add ICC Premium: $70
6. Subtract CRS Discount: N/A
7. Subtotal: $10,992
8. Probation Surcharge: N/A
9. Add Federal Policy Fee: $840
10. Total Prepaid Amount: $11,832
ClaIMS adJuSTMeNT WITH CoINSuraNCe ProVISIoN
Claim Payment is determined as follows:
(Insurance Carried) 4,000,000
?~ (Amount of Loss) 1,000,000 = (Limit of Recovery) 277,778 - Less Deductible
(Insurance Required) 14,400,000
(Coinsurance Penalty applies because minimum insurance amount of $14,400,000 was not met.)
CoNdo 31 May 1, 2011
loWeST floor GuIde
This section is to be used as a guide for identifying
the lowest floor for rating buildings being considered
for coverage under the National Flood Insurance
Program (NFIP).
I loWeST floor deTerMINaTIoN
The following guidance, along with the comments
accompanying each building drawing provided in
this section, will help insurance agents/producers
determine the lowest floor so that the appropriate rate
can be applied.
a Non-elevated buildings
In a non-elevated building, the lowest floor used
for rating is the building's lowest floor including a
basement, if any.
If a building described and rated as a single-family
dwelling located in an A Zone has an attached garage
floor elevation at or above the Base Flood Elevation
(BFE), the garage floor may be excluded for rating.
An attached garage floor elevation below the BFE can
be excluded as the lowest floor for rating if all of the
following conditions apply:
? Building is described and rated as a single-family
dwelling;
? Building is located in an A Zone (any flood zone
beginning with the letter A);
? The garage floor elevation is below the elevation of
the top of the bottom floor; and
? The garage has proper openings with or without
machinery/equipment that is below the BFE. See
"Proper Openings" in the Definitions section.
If a building not described and rated as a single-family
dwelling located in an A Zone has an attached garage,
and the floor level of the garage is below the level of
the building, use the garage floor as the lowest floor
for rating.
b elevated buildings in a Zones
In an elevated building located in an A Zone (any flood
zone beginning with the letter A), the lowest floor
used for rating is the lowest elevated floor, with the
exceptions described below.
If a building located in an A Zone has an enclosure
below the elevated floor, including an attached garage,
the enclosure or garage floor becomes the lowest floor
for rating if any of the following conditions exists:
? The enclosed space is finished (having more than 20
linear feet of interior finished wall [paneling, etc.]); or
? The unfinished enclosed space is used for other than
building access (stairwells, elevators, etc.), parking,
or storage; or
? The unfinished enclosed space has no proper
openings (flood vents).
NoTe: A garage attached to an elevated building is
considered an enclosure.
1. Proper opening Requirements
An elevated building with an enclosure or
crawlspace below the elevated floor with proper
flood openings (flood vents) in the enclosure or
crawlspace can be rated using the elevated floor
as the lowest floor. (For elevated buildings with
proper flood openings in an unfinished enclosure
or crawlspace, the Application should indicate
"No" for enclosure.) This rule applies to buildings
in zones A, A1-A30, AE, AO, AH, AR, and AR Dual.
All enclosures (including an elevator shaft, a
garage, or a crawlspace) below the lowest elevated
floor must be designed to automatically equalize
hydrostatic flood forces on exterior walls by
allowing for the entry and exit of floodwaters. One
of the following criteria must be met to satisfy this
proper openings requirement:
a. A minimum of 2 openings must be provided,
with positioning on at least 2 walls, having a
total net area of not less than 1 square inch for
every square foot of enclosed area. The bottom
of all openings must be no higher than 1
foot above the higher of the exterior or interior
grade (adjacent) or floor immediately below
the openings.
b. If the enclosure floor is partially subgrade,
a minimum of 2 openings must be provided,
with positioning on a single wall adjacent to
the lowest grade next to the building, having
a total net area of not less than 1 square inch
for every square foot of enclosed area. The
bottom of all openings must be no higher
than 1 foot above the higher of the exterior or
interior grade (adjacent) or floor immediately
below the openings.
2. alternative to the openings Requirement above
For architectural or other reasons, a designer
or builder may use an alternative to satisfy the
requirement for a building to have openings that
lfG 1 May 1, 2011
provide 1 square inch per square foot of enclosed
area below the BFE. These alternatives, which may
be referred to as "engineered openings," must
be certified as having been designed to provide
automatic equalization of hydrostatic flood forces
by allowing for the entry and exit of floodwaters.
Design requirements and specifications for
certification statements are outlined in FEMA
Technical Bulletin 1-08, "Openings in Foundation
Walls and Walls of Enclosures Below Elevated
Buildings in Special Flood Hazard Areas," at http://
www.fema.gov/library/viewRecord.do?id=1579.
If engineered openings are used as an alternative,
the Write Your Own (WYO) Company or NFIP
Servicing Agent must obtain a copy of the following
documentation for its underwriting files:
a. For engineered openings designed for
installation in a specific building, a copy of
the certification is required. This certification
will verify to community officials that the
openings are designed in accordance with the
requirements of the NFIP, applicable building
codes, and accepted standards of practice. The
original certification statement must include the
design professional's name, title, address, type
of license, license number, the state in which
the license was issued, and the signature and
applied seal of the certifying registered design
professional. In addition, this certification shall
identify the building in which the engineered
openings will be installed and it shall address
the following: (1) a statement certifying that
the openings are designed to automatically
equalize hydrostatic flood loads on exterior
walls by allowing for the automatic entry and
exit of floodwaters; (2) description of the range
of flood characteristics tested or computed for
which the certification is valid, such as rates of
rise and fall of floodwaters; and (3) description
of the installation requirements or limitations
that, if not followed, will void the certification; or
b. For engineered openings for which the
International Code Council Evaluation Service,
Inc., has issued an Evaluation Report, a copy of
the Evaluation Report is required. This report is
required to assure community officials that the
openings are designed in accordance with the
requirements of the NFIP, applicable building
codes, and accepted standards of practice. The
Evaluation Report identifies the model numbers
of the engineered openings addressed in the
report, specifies the number of engineered
openings that are required for a specified
square footage of enclosed area below the BFE,
and lists installation requirements. Acceptable
documentation must include the model
numbers of the engineered openings, which
must match the model numbers provided in the
International Code Council Evaluation Report.
3. crawlspaces
If a building elevated on a crawlspace is located
in an A Zone and has an attached garage, use the
following guidelines to determine the lowest floor
for rating:
? Use the top of the crawlspace (under-floor
space) floor or the garage floor, whichever is
lower, if neither the crawlspace nor the garage
has proper openings; or
? Use the top of the crawlspace floor, if the only
area that has proper openings is the garage; or
? Use the top of the garage floor, if the only area
that has proper openings is the crawlspace; or
? Use the top of the finished floor (habitable floor),
if both the crawlspace and the garage have
proper openings.
Pre-FIRM buildings with subgrade crawlspaces
that are below the BFE may use optional Post-
FIRM elevation rating. Follow the Submit-for-
Rate procedures.
c. elevated Buildings in V Zones
In zones V, VE, and V1-V30, the floor of an
enclosed area below the lowest elevated floor is
the building's lowest floor if any of the following
conditions exists:
? The enclosed space is finished (having more
than 20 linear feet of interior finished wall
[paneling, etc.]); or
? The unfinished enclosed space is used for other
than building access (stairwells, elevators, etc.),
parking, or storage; or
? The enclosed space is of any size, and there
is machinery or equipment below the BFE
located inside or outside the enclosed space.
(Machinery or equipment is defined as building
items permanently affixed to the building and
that provide utility services for the building -
i.e., furnaces, water heaters, heat pumps, air
conditioners, and elevators and their associated
equipment. Washers, dryers, and food freezers
are contents items and are not considered
machinery or equipment.); or
lfG 2 May 1, 2011
? The enclosed space is constructed with nonbreakaway
walls. (A non-breakaway wall is
defined as a wall that is attached to the
structural support of the building and is not
designed or constructed to collapse under
specific lateral loading forces. This type of
construction endangers the foundation system
of the building.); or
? The enclosed space is 300 square feet or more
and has breakaway walls; or
? The enclosed space has load-bearing
(supporting) walls.
If the enclosed space (enclosure) is at or above the
BFE, use the "Free of Obstruction" rate table in the
Rating or Condominiums section as appropriate.
Also use these rates if an enclosure has solid loadbearing
walls that provide less than 25 percent of
the building's structural support. The elevation of
the bottom enclosure floor is the lowest floor for
rating (LFE).
Also see "E. Post-'81 V Zone Optional Rating" in
the Rating section.
II uSe of eleVaTIoN CerTIfICaTe
The Elevation Certificate (EC) is used to properly
rate buildings located in Special Flood Hazard Areas
(SFHAs). Use the criteria below in determining whether
use of the EC is mandatory or optional. (See the
Special Certifications section for more information on
using the EC.)
a Mandatory use of elevation Certificate
An EC is required for a Post-FIRM building located
in zones AE, A1-A30, VE, or V1-V30, or a Pre-FIRM
building opting for Post-FIRM rates (see "B." below).
An EC is also required for a Post-FIRM building located
in unnumbered A Zones (With or Without BFE), Zone
AH, and Zone AO, if the building has a basement or
enclosure without proper openings.
If the building is Post-FIRM construction located in
an unnumbered A Zone, check with the community
official to determine whether there is a BFE. If
available, an EC that certifies the lowest floor elevation
must be submitted.
b optional rating using the elevation Certificate
Buildings located in AR and AR Dual Zones, or
constructed prior to publication of the initial Flood
Insurance Rate Map (Pre-FIRM), can, at the option of
the insured, be elevation-rated using Post-FIRM rates.
The insured may select the more advantageous rate.
In addition, the EC is optional in unnumbered A Zones
(With or Without BFE), Zone AH, and Zone AO if the
building has no basement or enclosure.
C Guidelines for determining the Conversion from
NGVd 1929 to NaVd 1988
NAVD 1988 is replacing NGVD 1929 as the national
standard reference datum for elevations. To determine
the conversion from NGVD to NAVD, contact the
community official. The surveyor may have applied
the conversion factor to the elevations entered on
the EC. Unless the surveyor's comments specifically
state that the conversion was not performed, assume
that line items C2.a-h have already been converted
to the same elevation datum as the BFE reported in
box B9. Following this guidance will ensure consistent
application at the policy processing level.
If the surveyor has not applied the conversion factor,
the National Geodetic Survey (NGS) has developed
a tool that will help you convert the LFE and BFE
measurements to like form. This tool is available
through the NGS website at http://www.ngs.noaa.gov/
cgi-bin/VERTCON/vert_con.prl. Enter the north latitude
and west longitude of the structure. Enter "ft" in the
orthometric height field. The conversion factor will then
be provided for calculations.
For example, to convert a property with a latitude of
35?? 15' and longitude of 121?? 22' 30" from NGVD 29
to NAVD 88, click on "Height Conversion" and enter
the latitude and longitude in the degrees, minutes,
seconds format (just replace the ??, ', " symbols with
a space).
Enter the elevation to be converted in NGVD 29 (e.g.,
top of bottom floor, top of next-higher floor, bottom of
lowest horizontal structuralmember, or lowest adjacent
grade next to the building). If the elevation is measured
in feet (most places other than Puerto Rico), be sure to
include "ft" after the elevation so that the results will
be in feet.
As an example, enter a building elevation of 54.2 ft.
Select Vertical Datum NGVD 29 and click on Submit.
The result produced by VERTCON for this latitude and
longitude will display a conversion factor of 2.987
feet and a building elevation of 57.186 feet NAVD 88.
Rounded to a tenth of a foot, the building elevation is
57.2 feet NAVD 88.
To convert a property from NAVD 88 to NGVD 29,
enter data as above. Be sure to select Vertical Datum
NAVD 88, then click on Submit. The result produced by
VERTCON shows a conversion factor of 2.987 feet. Use
the building elevation of 54.2 ft. The building elevation
in NGVD 29 is 51.214 feet. Rounded to a tenth of a
foot, the building elevation is 51.2 feet NGVD 29.
lfG 3 May 1, 2011
lfG 4 May 1, 2011
lfG 5 May 1, 2011
lfG 6 May 1, 2011
lfG 7 May 1, 2011
lfG 8 May 1, 2011
III SPeCIfIC buIldING draWINGS
Table of CoNTeNTS
section PaGe
Elevated Buildings for Pre- and Post-FIRM Risks
in Flood Zones B, C, X, A99, and D . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFG 10 - LFG 12
Non-Elevated Buildings for Pre- and Post-FIRM Risks
in Flood Zones B, C, X, A99, and D . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFG 13 - LFG 15
Elevated Buildings for Pre- and Post-FIRM Risks
in Flood Zones A, AO, and AH . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFG 16 - LFG 21
Non-Elevated Buildings for Pre- and Post-FIRM Risks
in Flood Zones A, AO, and AH . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFG 22 - LFG 25
Non-Elevated Buildings for Pre- and Post-FIRM Risks
in Flood Zones AE and A1-A30 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFG 26 - LFG 32
Elevated Buildings for Pre- and Post-FIRM Risks
in Flood Zones AE and A1-A30 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFG 33 - LFG 44
Non-Elevated Buildings for Pre- and Post-FIRM Risks
with Construction Dates of 1975 to September 30, 1981,
in Flood Zones VE and V1-V30 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFG 45 - LFG 49
Elevated Buildings for Pre- and Post-FIRM Risks
with Construction Dates of 1975 to September 30, 1981,
in Flood Zones VE and V1-V30 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFG 50 - LFG 59
Elevated Buildings for Post-FIRM Risks
in Flood Zones VE and V1-V30,
Construction Date October 1, 1981, and After. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFG 60 - LFG 68
Non-Elevated Buildings for Post-FIRM Risks
in Flood Zones VE and V1-V30,
Construction Date October 1, 1981, and After. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFG 69
lfG 9 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS b, C, X, a99, aNd d
building description 1 floor and unfinished enclosed area
elevating foundation of building Piers, posts, piles, or columns
Type of enclosure Unfinished enclosure
With proper openings3
Machinery or equipment
Servicing building
With or without machinery or equipment
lowest floor for rating No Elevation Certificate required
application Should Show Building type - 1 floor
Is building elevated? - Yes
Is area below the elevated floor enclosed? - No
Pre-fIrM rating Use Pre-FIRM rate table No Basement/Enclosure category.
Post-fIrM rating Use Post-FIRM rate table No Basement/Enclosure category.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 10 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS b, C, X, a99, aNd d
building description 2 floors and unfinished enclosed area
elevating foundation of building Solid perimeter load-bearing walls
Type of enclosure Unfinished enclosure (garage) and crawlspace
No proper openings
Machinery or equipment
Servicing building
With or without machinery or equipment
lowest floor for rating No Elevation Certificate required
application Should Show Building type - 3 or more floors
Is building elevated? - Yes
Is area below the elevated floor enclosed? - Yes
Pre-fIrM rating Use Pre-FIRM rate table With Enclosure category.
Post-fIrM rating Use Post-FIRM rate table With Enclosure category.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 11 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS b, C, X, a99, aNd d
building description 1 floor and finished or unfinished enclosed area
elevating foundation of building Piers, posts, piles, or columns
Type of enclosure Non-load-bearing walls
No proper openings3
Machinery or equipment
Servicing building
With or without machinery or equipment
lowest floor for rating No Elevation Certificate required
application Should Show Building type - 2 floors
Is building elevated? - Yes
Is area below the elevated floor enclosed? - Yes
Pre-fIrM rating Use Pre-FIRM rate table With Enclosure category.
Post-fIrM rating Use Post-FIRM rate table With Enclosure category.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 12 May 1, 2011
NoN-eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS b, C, X, a99, aNd d
building description 1 floor on slab
Machinery or equipment
Servicing building
N/A
lowest floor for rating No Elevation Certificate required
application Should Show Building type - 1 floor
Basement - None
Is building elevated? - No
Pre-fIrM rating Use Pre-FIRM rate table No Basement/Enclosure category.
Post-fIrM rating Use Post-FIRM rate table No Basement/Enclosure category.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 13 May 1, 2011
NoN-eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS b, C, X, a99, aNd d
building description 2 floors on raised-slab-on-grade or slab-on-stem-wall-with-fill
Machinery or equipment
Servicing building
N/A
lowest floor for rating No Elevation Certificate required
application Should Show Building type - 2 floors
Basement - None
Is building elevated? - No
Pre-fIrM rating Use Pre-FIRM rate table No Basement/Enclosure category.
Post-fIrM rating Use Post-FIRM rate table No Basement/Enclosure category.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 14 May 1, 2011
NoN-eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS b, C, X, a99, aNd d
building description 1 floor with finished or unfinished basement
Machinery or equipment
Servicing building
With or without machinery or equipment in basement
lowest floor for rating No Elevation Certificate required
application Should Show Building type - 2 floors
Basement - Finished or unfinished
Is building elevated? - No
Pre-fIrM rating Use Pre-FIRM rate table With Basement category.
Post-fIrM rating Use Post-FIRM rate table With Basement category.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 15 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS a, ao, aNd aH
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 1 floor without enclosed area (see Elevation Certificate, Diagram 5)
elevating foundation
of building
Piers, posts, piles, or columns
Type of enclosure No enclosure
Machinery or equipment
Servicing building
None
lowest floor for rating Top of lowest elevated floor
application Should
Show
Building type - 1 floor
Is building elevated? - Yes
Is area below the elevated floor enclosed? - No
Pre-fIrM rating5 ao Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth,
use With Certification of Compliance rate. If not, use Pre-FIRM rate table No Basement/
Enclosure category.
aH Zone: If LF1 elevation is equal to or greater than BFE2, use With Certification of
Compliance rate. If LF1 elevation is less than BFE2, use Pre-FIRM rate table No Basement/
Enclosure category.
a Zone with bfe2: If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
table With Base Flood Elevation category. If LF1 elevation is less than BFE2, use Pre-FIRM rate
table No Basement/Enclosure category.
a Zone without bfe2: If difference between the LF1 and HAG4 is 2 feet or more, use Post-FIRM
No Base Flood Elevation rate table. If the difference is 1 foot or less, use Pre-FIRM rate table
No Basement/Enclosure category.
Post-fIrM rating ao Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth,
use With Certification of Compliance. If not, use Without Certification of Compliance rate.
aH Zone: If LF1 elevation is greater than or equal to BFE2, use With Certification of
Compliance rate. If not, use Without Certification of Compliance rate.
a Zone with bfe2: Use Post-FIRM rate table With Base Flood Elevation category. If LF1
elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate.
a Zone without bfe2: If difference between the LF1 and HAG4 is 1 foot or more, use Post-
FIRM rate table No Base Flood Elevation category. If difference is 0 feet or less, submit the
Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 16 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS a, ao, aNd aH
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 2 floors, including hanging floor (see Elevation Certificate, Diagram 5)
elevating foundation
of building
Piers, posts, piles, or columns
Type of enclosure No enclosure
Machinery or equipment
Servicing building
With or without machinery or equipment below the lowest elevated floor
List the value of machinery, equipment, and appliances.
lowest floor for rating Top of lowest elevated floor
application Should
Show
Building type - 2 floors
Is building elevated? - Yes
Is area below the elevated floor enclosed? - No
Pre-fIrM rating5 ao Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth,
use With Certification of Compliance rate. If not, use Pre-FIRM rate table No Basement/
Enclosure category.
aH Zone: If LF1 elevation is equal to or greater than BFE2, use With Certification of
Compliance rate. If LF1 elevation is less than BFE2, use Pre-FIRM rate table No Basement/
Enclosure category.
a Zone with bfe2: If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
table With Base Flood Elevation category. If LF1 elevation is less than BFE2, use Pre-FIRM
rate table No Basement/Enclosure category.
a Zone without bfe2: If difference between the LF1 and HAG4 is 2 feet or more, use Post-
FIRM No Base Flood Elevation rate table. If the difference is 1 foot or less, use Pre-FIRM rate
table No Basement/Enclosure category.
Post-fIrM rating ao Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth, use
With Certification of Compliance rate. If not, use Without Certification of Compliance rate.
aH Zone: If LF1 elevation is greater than or equal to BFE2, use With Certification of
Compliance rate. If not, use Without Certification of Compliance rate.
a Zone with bfe2: Use Post-FIRM rate table With Base Flood Elevation category. If LF1
elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate.
a Zone without bfe2: If difference between the LF1 and HAG4 is 1 foot or more, use Post-
FIRM rate table No Base Flood Elevation category. If difference is 0 feet or less, submit the
Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 17 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS a, ao, aNd aH
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 1 floor and unfinished enclosed area (see Elevation Certificate, Diagram 6)
elevating foundation
of building
Piers, posts, piles, or columns
Type of enclosure Unfinished enclosure
With proper openings3
Machinery or equipment
Servicing building
With or without machinery or equipment
lowest floor for rating Top of next-higher floor
application Should
Show
Building type - 1 floor
Is building elevated? - Yes
Is area below the elevated floor enclosed? - No
Pre-fIrM rating5 ao Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth,
use With Certification of Compliance rate. If not, use Pre-FIRM rate table No Basement/
Enclosure category.
aH Zone: If LF1 elevation is equal to or greater than BFE2, use With Certification of
Compliance rate. If LF1 elevation is less than BFE2, use Pre-FIRM rate table No Basement/
Enclosure category.
a Zone with bfe2: If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
table With Base Flood Elevation category. If LF1 elevation is less than BFE2, use Pre-FIRM rate
table No Basement/Enclosure category.
a Zone without bfe2: If difference between the LF1 and HAG4 is 2 feet or more, use Post-FIRM
No Base Flood Elevation rate table. If the difference is 1 foot or less, use Pre-FIRM rate table
No Basement/Enclosure category.
Post-fIrM rating ao Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood
Depth, use With Certification of Compliance rate. If not, use Without Certification of
Compliance rate.
aH Zone: If LF1 elevation is greater than or equal to BFE2, use With Certification of
Compliance rate. If not, use Without Certification of Compliance rate.
a Zone with bfe2: Use Post-FIRM rate table With Base Flood Elevation category. If LF1
elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate.
a Zone without bfe2: If difference between the LF1 and HAG4 is 1 foot or more, use Post-FIRM
rate table No Base Flood Elevation category. If the difference is 0 feet or less, submit the
Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 18 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS a, ao, aNd aH
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 2 floors and unfinished enclosed area (see Elevation Certificate, Diagram 6)
elevating foundation
of building
Solid load-bearing walls
Type of enclosure Unfinished enclosure (garage) and crawlspace
Machinery or equipment
Servicing building
With or without machinery or equipment
lowest floor for rating Top of bottom floor (lower of crawlspace or garage)
application Should
Show
Building type - 3 or more floors
Is building elevated? - Yes
Is area below the elevated floor enclosed? - Yes
Pre-fIrM rating ao Zone: Use Pre-FIRM rate table With Enclosure category.
aH Zone: Use Pre-FIRM rate table With Enclosure category.
a Zone: Use Pre-FIRM rate table With Enclosure category.
Post-fIrM rating Submit the Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 19 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS a, ao, aNd aH
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 1 floor and finished or unfinished enclosed area (see Elevation Certificate, Diagram 6)
elevating foundation
of building
Piers, posts, piles, or columns
Type of enclosure Unfinished enclosure
Non-load-bearing walls
No openings3
Machinery or equipment
Servicing building
With or without machinery or equipment
lowest floor for rating Top of bottom floor (including basement or enclosure)
application Should
Show
Building type - 2 floors
Is building elevated? - Yes
Is area below the elevated floor enclosed? - Yes
Pre-fIrM rating ao Zone: Use Pre-FIRM rate table With Enclosure category.
aH Zone: Use Pre FIRM rate table With Enclosure category.
a Zone: Use Pre-FIRM rate table With Enclosure category.
Post-fIrM rating Submit the Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 20 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS a, ao, aNd aH
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description Mobile home without enclosed area (see Elevation Certificate, Diagram 5)
elevating foundation
of building
Piers, posts, piles, or columns
Type of enclosure Vinyl or aluminum skirting
Machinery or equipment
Servicing building
With or without machinery or equipment below elevated floor
lowest floor for rating Top of lowest elevated floor
application Should
Show
Building type - Mobile home
Is building elevated? - Yes
Is area below the elevated floor enclosed? - No
Pre-fIrM rating5 ao Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth,
use With Certification of Compliance rate. If not, use Pre-FIRM rate table Manufactured
(Mobile) Home category.
aH Zone: If LF1 elevation is equal to or greater than BFE2, use With Certification of
Compliance rate. If LF1 elevation is less than BFE2, use Pre-FIRM rate table Manufactured
(Mobile) Home category.
a Zone with bfe2: If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
table With Base Flood Elevation category. If LF1 elevation is less than BFE2, use Pre-FIRM rate
table No Basement/Enclosure category.
a Zone without bfe2: If difference between the LF1 and HAG4 is 2 feet or more, use Post-FIRM
No Base Flood Elevation rate table. If the difference is 1 foot or less, use Pre-FIRM rate table
No Basement/Enclosure category.
Post-fIrM rating ao Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood
Depth, use With Certification of Compliance rate. If not, use Without Certification of
Compliance rate.
aH Zone: If LF1 elevation is greater than or equal to BFE2, use With Certification of
Compliance rate. If not, use Without Certification of Compliance rate.
a Zone with bfe2: Use Post-FIRM rate table With Base Flood Elevation category. If LF1
elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate.
a Zone without bfe2: If difference between the LF1 and HAG4 is 1 foot or more, use Post-
FIRM rate table No Base Flood Elevation category. If difference is 0 feet or less, submit the
Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 21 May 1, 2011
NoN-eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS a, ao, aNd aH
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 1 floor and finished or unfinished basement (see Elevation Certificate, Diagram 2)
Machinery or equipment
Servicing building
With or without machinery or equipment in the basement
lowest floor for rating Top of bottom floor (including basement)
application Should
Show
Building type - 2 floors
Basement - Finished or unfinished
Is building elevated? - No
Pre-fIrM rating ao Zone: Use Pre-FIRM rate table With Basement category.
aH Zone: Use Pre-FIRM rate table With Basement category.
a Zone: Use Pre-FIRM rate table With Basement category.
Post-fIrM rating Submit the Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 22 May 1, 2011
NoN-eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS a, ao, aNd aH
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 1 floor on slab (see Elevation Certificate, Diagram 1A)
Machinery or equipment
Servicing building
N/A
lowest floor for rating Top of bottom floor
application Should
Show
Building type - 1 floor
Basement - None
Is building elevated? - No
Pre-fIrM rating5 ao Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth,
use With Certification of Compliance rate. If not, use Pre-FIRM rate table No Basement/
Enclosure category.
aH Zone: If LF1 elevation is equal to or greater than BFE2, use With Certification of
Compliance rate. If LF1 elevation is less than BFE2, use Pre-FIRM rate table No Basement/
Enclosure category.
a Zone with bfe2: If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
table With Base Flood Elevation category. If LF1 elevation is less than BFE2, use Pre-FIRM rate
table No Basement/Enclosure category.
a Zone without bfe2: If difference between the LF1 and HAG4 is 2 feet or more, use Post-FIRM
No Base Flood Elevation rate table. If the difference is 1 foot or less, use Pre-FIRM rate table
No Basement/Enclosure category.
Post-fIrM rating ao Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood
Depth, use With Certification of Compliance rate. If not, use Without Certification of
Compliance rate.
aH Zone: If LF1 elevation is greater than or equal to BFE2, use With Certification of
Compliance rate. If not, use Without Certification of Compliance rate.
a Zone with bfe2: Use Post-FIRM rate table With Base Flood Elevation category. If LF1
elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate.
a Zone without bfe2: If difference between the LF1 and HAG4 is 1 foot or more, use Post-
FIRM rate table No Base Flood Elevation category. If difference is 0 feet or less, submit the
Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 23 May 1, 2011
NoN-eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS a, ao, aNd aH
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 2 floors on raised-slab-on-grade or slab-on-stem-wall-with-fill (see Elevation Certificate,
Diagram 1B)
Machinery or equipment
Servicing building
N/A
lowest floor for rating Top of bottom floor
application Should
Show
Building type - 2 floors
Basement - None
Is building elevated? - No
Pre-fIrM rating5 ao Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood Depth,
use With Certification of Compliance rate. If not, use Pre-FIRM rate table; No Basement/
Enclosure category.
aH Zone: If LF1 elevation is equal to or greater than BFE2, use With Certification of
Compliance rate. If LF1 elevation is less than BFE2, use Pre-FIRM rate table No Basement/
Enclosure category.
a Zone with bfe2: If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
table With Base Flood Elevation category. If LF1 elevation is less than BFE2, use Pre-FIRM rate
table No Basement/Enclosure category.
a Zone without bfe2: If difference between the LF1 and HAG4 is 2 feet or more, use Post-FIRM
No Base Flood Elevation rate table. If the difference is 1 foot or less, use Pre-FIRM rate table
No Basement/Enclosure category.
Post-fIrM rating ao Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood
Depth, use With Certification of Compliance rate. If not, use Without Certification of
Compliance rate.
aH Zone: If LF1 elevation is greater than or equal to BFE2, use With Certification of
Compliance rate. If not, use Without Certification of Compliance rate.
a Zone with bfe2: Use Post-FIRM rate table No Base Flood Elevation category. If LF1 elevation
is 2 or more feet below the BFE2, submit the Application to the insurer for a rate.
a Zone without bfe2: If difference between the LF1 and HAG4 is 1 foot or more, use Post-
FIRM rate table With Base Flood Elevation category. If difference is 0 feet or less, submit the
Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 24 May 1, 2011
NoN-eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS a, ao, aNd aH
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 2 floors on slab with attached garage (see Elevation Certificate, Diagram 1A)
Machinery or equipment
Servicing building
Machinery or equipment in garage
lowest floor for rating Top of finished floor if the garage is used for parking vehicle and storage and the
machinery/equipment is at or above the BFE, or if the machinery/equipment is below the BFE
and the garage is properly vented.
application Should
Show
Building type - 2 floors
Basement - None
Is building elevated? - No
Pre-fIrM rating5 ao Zone: If difference between LF1 AND HAG4 is equal to or greater than Base Flood Depth,
use With Certification of Compliance rate. If not, use Pre-FIRM rate table; No Basement/
Enclosure category.
aH Zone: If LF1 elevation is equal to or greater than BFE2, use With Certification of
Compliance rate. If LF1 elevation is less than BFE2, use Pre-FIRM rate table No Basement/
Enclosure category.
a Zone with bfe2: If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
table With Base Flood Elevation category. If LF1 elevation is less than BFE2, use Pre-FIRM rate
table No Basement/Enclosure category.
a Zone without bfe2: If difference between the LF1 and HAG4 is 2 feet or more, use Post-FIRM
No Base Flood Elevation rate table. If the difference is 1 foot or less, use Pre-FIRM rate table
No Basement/Enclosure category.
Post-fIrM rating ao Zone: If difference between LF1 and HAG4 is equal to or greater than Base Flood
Depth, use With Certification of Compliance rate. If not, use Without Certification of
Compliance rate.
aH Zone: If LF1 elevation is greater than or equal to BFE2, use With Certification of
Compliance rate. If not, use Without Certification of Compliance rate.
a Zone with bfe2: Use Post-FIRM rate table With Base Flood Elevation category. If LF1
elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate.
a Zone without bfe2: If difference between the LF1 and HAG4 is 1 foot or more, use Post-
FIRM rate table No Base Flood Elevation category. If difference is 0 feet or less, submit the
Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 25 May 1, 2011
NoN-eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS ae aNd a1-a30
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 1 floor on slab (see Elevation Certificate, Diagram 1A)
Machinery or equipment
Servicing building
N/A
lowest floor for rating Top of bottom floor
application Should
Show
Building type - 1 floor
Basement - None
Is building elevated? - No
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table One Floor No
Basement/Enclosure/Crawlspace category. If LF1 elevation is less than BFE2, use Pre-FIRM
rate table No Basement/Enclosure category.
Post-fIrM rating Use Post-FIRM rate table One Floor No Basement/Enclosure/Crawlspace category. If LF1
elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 26 May 1, 2011
NoN-eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS ae aNd a1-a30
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 2 floors on raised-slab-on-grade or slab-on-stem-wall-with-fill (see Elevation Certificate,
Diagram 1B)
Machinery or equipment
Servicing building
N/A
lowest floor for rating Top of bottom floor
application Should
Show
Building type - 2 floors
Basement - None
Is building elevated? - No
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table More Than One
Floor No Basement/Enclosure/Crawlspace category. If LF1 elevation is less than BFE2, use
Pre-FIRM rate table No Basement/Enclosure category.
Post-fIrM rating Use Post-FIRM rate table More Than One Floor No Basement/Enclosure/Crawlspace category.
If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for
a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 27 May 1, 2011
NoN-eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS ae aNd a1-a30
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 2 floors on slab with attached garage (see Elevation Certificate, Diagram 1A)
Machinery or equipment
Servicing building
Machinery or equipment in garage
lowest floor for rating Top of finished floor if the garage is used for parking vehicle and storage and the machinery/
equipment is at or above the BFE, or if the M/E is below the BFE and the garage is properly
vented; otherwise, use top of garage floor.
application Should
Show
Building type - 2 floors
Basement - None
Is building elevated? - No
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table More Than One
Floor No Basement/Enclosure/Crawlspace category. If LF1 elevation is less than BFE2, use
Pre-FIRM rate table No Basement/Enclosure category.
Post-fIrM rating Use Post-FIRM rate table More Than One Floor No Basement/Enclosure/Crawlspace category.
If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer for
a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 28 May 1, 2011
NoN-eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS ae aNd a1-a30
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 2 floors and subgrade crawlspace with or without openings. (See Elevation Certificate,
Diagram 9.)
Subgrade crawlspace floor is no more than 2 feet below grade, and the distance between the
subgrade crawlspace floor and the top of the next-higher floor is no more than 5 feet.
Machinery or equipment
Servicing building
With or without machinery or equipment
lowest floor for rating Top of bottom floor (including subgrade crawlspace)
application Should
Show
Building type - 3 or more floors
Is building elevated? - No
Subgrade crawlspace
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table More Than
One Floor With Basement/Enclosure/Crawlspace category. If LF1 elevation is less than
BFE2, use Pre-FIRM rate table Non-Elevated With Subgrade Crawlspace category. Pre-FIRM
buildings with subgrade crawlspace(s) may use optional Post-FIRM elevation rating provided
that the lowest floor is below the Base Flood Elevation (BFE). The building must be reported
statistically as a Submit-for-Rate using Risk Rating Method "2." Follow the procedures from
the Specific Rating Guidelines for policy processing.
Post-fIrM rating Use Post-FIRM rate table More Than One Floor With Basement/Enclosure/Crawlspace
category. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the
insurer for a rate. See "H. Crawlspace" in the Special Rating Situations subsection in the
Rating section.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 29 May 1, 2011
NoN-eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS ae aNd a1-a30
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 2 floors and unfinished basement. (See Elevation Certificate, Diagram 2.)
Basement floor is subgrade more than 2 feet, or subgrade no more than 2 feet and the
distance between the basement floor and the top of the next-higher floor is more than 5 feet.
Machinery or equipment
Servicing building
With or without machinery or equipment
lowest floor for rating Top of bottom floor (including basement)
application Should
Show
Building type - 3 or more floors
Is building elevated? - No
Basement - Finished or unfinished
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table More Than One
Floor With Basement/Enclosure/Crawlspace category. If LF1 elevation is less than BFE2 ,
use Pre-FIRM rate table With Basement category. Pre-FIRM buildings with basements may
use optional Post-FIRM elevation rating provided that the lowest floor is below the Base
Flood Elevation (BFE). The building must be reported statistically as a Submit-for-Rate using
Risk Rating Method "2." Follow the procedures from the Specific Rating Guidelines for
policy processing.
Post-fIrM rating Use Post-FIRM rate table More Than One Floor With Basement/Enclosure/Crawlspace
category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the
insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 30 May 1, 2011
NoN-eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS ae aNd a1-a30
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 1 floor with attached garage
Garage is at lower elevation than principal building area (see Elevation Certificate,
Diagram 1A)
Machinery or equipment
Servicing building
Machinery or equipment in garage
lowest floor for rating Top of slab of principal building area only if the garage is used for parking vehicle and storage
and the machinery/equipment is at or above the BFE, or if the M/E is below the BFE and the
garage is properly vented; otherwise, use top of the garage floor.
application Should
Show
Building type - 1 floor
Basement - None
Is building elevated? - No
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table One Floor No
Basement/Enclosure/Crawlspace category. If LF1 elevation is less than BFE2, use Pre-FIRM
rate table No Basement/Enclosure category.
Post-fIrM rating Use Post-FIRM rate table One Floor No Basement/Enclosure/Crawlspace category. If LF1
elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 31 May 1, 2011
NoN-eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS ae aNd a1-a30
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description Split level with unfinished or finished basement (see Elevation Certificate, Diagram 4)
Machinery or equipment
Servicing building
With or without machinery or equipment in basement
lowest floor for rating Top of bottom floor (including basement)
application Should
Show
Building type - Split level
Basement - Finished or unfinished
Is building elevated? - No
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE, use Post-FIRM rate table More Than One
Floor With Basement/Enclosure/Crawlspace category. If LF1 elevation is less than BFE2, use
Pre-FIRM rate table With Basement category.
Post-fIrM rating Use Post-FIRM rate table More Than One Floor With Basement/Enclosure/Crawlspace
category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the
insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 32 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS ae aNd a1-a30
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 2 floors with walkout at ground level
Lower floor is not below grade on all sides
Principal use of the building is on the elevated floor (see Elevation Certificate, Diagram 7)
elevating foundation
of building
Solid perimeter walls
Type of enclosure Finished or unfinished lower level
No openings
Machinery or equipment
Servicing building
With or without machinery or equipment at ground level
lowest floor for rating Top of bottom floor (enclosure)
application Should
Show
Building type - 2 floors
Is building elevated? - Yes
Is area below the elevated floor enclosed? - Yes
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table More Than One
Floor With Basement/Enclosure/Crawlspace category. If LF1 elevation is less than BFE2, use
Pre-FIRM rate table With Enclosure category.
Post-fIrM rating Use Post-FIRM rate table More Than One Floor With Basement/Enclosure/Crawlspace
category. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the
insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 33 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS ae aNd a1-a30
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 1 floor without enclosed area (see Elevation Certificate, Diagram 5)
elevating foundation
of building
Piers, posts, piles, or columns
Type of enclosure No enclosure
Machinery or equipment
Servicing building
With or without machinery or equipment below the lowest elevated floor
lowest floor for rating Top of lowest elevated floor
application Should
Show
Building type - 1 floor
Is building elevated? - Yes
Is area below the elevated floor enclosed? - No
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table One Floor No
Basement/Enclosure/Crawlspace category. If LF1 elevation is less than BFE2, use Pre-FIRM
rate table No Basement/Enclosure category.
Post-fIrM rating Use Post-FIRM rate table One Floor No Basement/Enclosure/Crawlspace category. If LF1
elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 34 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS ae aNd a1-a30
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description Elevated on piers, posts, piles, or columns with hanging floor
2 floors, including hanging floor (see Elevation Certificate, Diagram 5)
elevating foundation
of building
Piers, posts, piles, or columns
Type of enclosure No enclosure
Machinery or equipment
Servicing building
With or without machinery or equipment below the lowest elevated floor
List the value of machinery, equipment, and appliances.
lowest floor for rating Top of lowest elevated floor
application Should
Show
Building type - 2 floors
Is building elevated? - Yes
Is area below the elevated floor enclosed? - No
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table More Than One
Floor No Basement/Enclosure/Crawlspace category. If LF1 elevation is less than BFE2, use
Pre-FIRM rate table No Basement/Enclosure category.
Post-fIrM rating Elevated buildings on posts, piers, pilings, or columns and the lowest elevated floor below the
BFE is unfinished and used for storage or building access only, use More Than One Floor No
Basement/Enclosure/Crawlspace category. If LF1 elevation is 1 or more feet below the BFE2 ,
submit the Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 35 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS ae aNd a1-a30
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 1 floor and unfinished enclosed area (see Elevation Certificate, Diagram 6)
elevating foundation of
building
Piers, posts, piles, or columns
Type of enclosure Unfinished enclosure
With proper openings
Machinery or equipment
Servicing building
With or without machinery or equipment
lowest floor for rating Top of the next-higher floor (elevated floor)
application Should
Show
Building type - 1 floor
Is building elevated? - Yes
Is area below the elevated floor enclosed? - No
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table One Floor No
Basement/Enclosure/Crawlspace category. If LF1 elevation is less than BFE2, use Pre-FIRM
rate table No Basement/Enclosure category.
Post-fIrM rating Use Post-FIRM rate table One Floor No Basement/Enclosure/Crawlspace category. If LF1
elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 36 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS ae aNd a1-a30
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 2 floors and unfinished enclosure/crawlspace (see Elevation Certificate, Diagram 8)
elevating foundation
of building
Solid load-bearing walls
Type of enclosure Unfinished enclosure (garage) and crawlspace
No proper openings
Machinery or equipment
Servicing building
With or without machinery or equipment
lowest floor for rating Top of bottom floor (garage)
application Should
Show
Building type - 3 or more floors
Is building elevated? - Yes
Is area below the elevated floor enclosed? - Yes
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table More Than One
Floor With Basement/Enclosure/Crawlspace category. If LF1 elevation is less than the BFE2 ,
use Pre-FIRM rate table With Enclosure category.
Post-fIrM rating Use Post-FIRM rate table More Than One Floor With Basement/Enclosure/Crawlspace
category. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the
insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 37 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS ae aNd a1-a30
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 1 floor and finished or unfinished enclosed area (see Elevation Certificate, Diagram 6)
elevating foundation
of building
Piers, posts, piles, or columns
Type of enclosure Non-load-bearing walls
No openings3
Machinery or equipment
Servicing building
With or without machinery or equipment
lowest floor for rating Top of bottom floor (including basement or enclosure)
application Should
Show
Building type - 2 floors
Is building elevated? - Yes
Is area below the elevated floor enclosed? - Yes
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table More Than One
Floor With Basement/Enclosure/Crawlspace category. If LF1 elevation is less than BFE2, use
Pre-FIRM rate table With Enclosure category.
Post-fIrM rating Use Post-FIRM rate table More Than One Floor With Basement/Enclosure/Crawlspace
category. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the
insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 38 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS ae aNd a1-a30
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 1 floor and unfinished enclosed area (see Elevation Certificate, Diagram 7)
elevating foundation
of building
Solid perimeter load-bearing walls
Type of enclosure Unfinished enclosure
No proper openings3
Machinery or equipment
Servicing building
With or without machinery or equipment
lowest floor for rating Top of bottom floor (including basement or enclosure)
application Should
Show
Building type - 2 floors
Is building elevated? - Yes
Is area below the elevated floor enclosed? - Yes
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table More Than One
Floor With Basement/Enclosure/Crawlspace category. If LF1 elevation is less than BFE2, use
Pre-FIRM rate table With Enclosure category.
Post-fIrM rating Use Post-FIRM rate table More Than One Floor With Basement/Enclosure/Crawlspace
category. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the
insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 39 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS ae aNd a1-a30
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 2 floors with unfinished enclosure/crawlspace (see Elevation Certificate, Diagram 8)
elevating foundation
of building
Solid perimeter walls
Type of enclosure Enclosed garage at same level as crawlspace
Unfinished enclosure/crawlspace
No proper openings in crawlspace or garage
Floor of crawlspace/garage is at or above lowest adjacent grade
Machinery or equipment
Servicing building
With or without machinery or equipment
lowest floor for rating Floor of crawlspace and garage
application Should
Show
Building type - 3 or more floors
Is building elevated? - Yes
Is area below the elevated floor enclosed? - Yes
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table More Than One
Floor With Basement/Enclosure/Crawlspace category. If LF1 elevation is less than BFE2, use
Pre-FIRM rate table With Enclosure category.
Post-fIrM rating Use Post-FIRM rate table More Than One Floor With Basement/Enclosure/Crawlspace
category. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the
insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 40 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS ae aNd a1-a30
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 2 floors with crawlspace (see Elevation Certificate, Diagram 8)
elevating foundation
of building
Solid perimeter walls
Type of enclosure Unfinished crawlspace
Proper openings3 in crawlspace and garage
Floor of crawlspace/garage is at or above lowest adjacent grade
Machinery or equipment
Servicing building
Without machinery or equipment in crawlspace or garage
lowest floor for rating Top of next-higher floor
application Should
Show
Building type - 2 floors
Is building elevated? - Yes
Is area below the elevated floor enclosed? - No
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table More Than One
Floor No Basement/Enclosure/Crawlspace category. If LF1 elevation is less than BFE2, use
Pre-FIRM rate table No Basement/Enclosure category.
Post-fIrM rating Use Post-FIRM rate table More Than One Floor No Basement/Enclosure/Crawlspace
category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the
insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 41 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS ae aNd a1-a30
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 2 floors with crawlspace (see Elevation Certificate, Diagram 8)
elevating foundation
of building
Solid perimeter walls
Type of enclosure Unfinished crawlspace
With proper openings3
Floor of crawlspace is at or above lowest adjacent grade
Machinery or equipment
Servicing building
With or without machinery or equipment in crawlspace
lowest floor for rating Top of next-higher floor
application Should
Show
Building type - 2 floors
Is building elevated? - Yes
Is area below the elevated floor enclosed? - No
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table More Than One
Floor No Basement/Enclosure/Crawlspace category. If LF1 elevation is less than BFE2, use
Pre-FIRM rate table No Basement/Enclosure category.
Post-fIrM rating Use Post-FIRM rate table More Than One Floor No Basement/Enclosure/Crawlspace
category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the
insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 42 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS ae aNd a1-a30
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 2 floors with crawlspace (see Elevation Certificate, Diagram 8)
elevating foundation
of building
Solid or partial perimeter walls
Type of enclosure Unfinished crawlspace
No proper openings3
Floor of crawlspace is at or above lowest adjacent grade
Machinery or equipment
Servicing building
With or without machinery or equipment
lowest floor for rating Top of bottom floor (crawlspace)
application Should
Show
Building type - 3 or more floors
Is building elevated? - Yes
Is area below the elevated floor enclosed? - Yes
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table More Than One
Floor With Basement/Enclosure/Crawlspace category. If LF1 elevation is less than BFE2, use
Pre-FIRM rate table Elevated on Crawlspace category.
Post-fIrM rating Use Post-FIRM rate table More Than One Floor With Basement/Enclosure/Crawlspace
category. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the
insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 43 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS IN flood ZoNeS ae aNd a1-a30
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description Mobile home without enclosed area (see Elevation Certificate, Diagram 5)
elevating foundation
of building
Piers, posts, piles, or columns
Type of enclosure Vinyl or aluminum skirting
Machinery or equipment
Servicing building
With or without machinery or equipment below elevated floor
lowest floor for rating Top of lowest elevated floor
application Should
Show
Building type - Mobile home
Is building elevated? - Yes
Is area below the elevated floor enclosed? - No
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM Manufactured
(Mobile) Home rate if favorable. If LF1 elevation is less than BFE2, use Pre-FIRM rate table
Manufactured (Mobile) Home category.
Post-fIrM rating Use Post-FIRM Manufactured (Mobile) Home rates. If LF1 elevation is 1 or more feet below the
BFE2, submit the Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 44 May 1, 2011
NoN-eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS WITH CoNSTruCTIoN daTeS of 1975 To
SePTeMber 30, 1981, IN flood ZoNeS Ve aNd V1-V306
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 1 floor
No basement (see Elevation Certificate, Diagram 1A)
lowest floor for rating Bottom of slab
In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal
structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate,
and the top of the bottom floor is at or above grade, deduct (for 1-4 family residences) 12
inches from the elevation figure found in item C2.a. For buildings other than 1-4 family,
deduct 18 inches from the elevation figure found in item C2.a.
application Should
Show
Building type - 1 floor
Basement - None
Is building elevated? - No
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use
One Floor No Basement/Enclosure/Crawlspace rate category. If LF1 elevation is less than the
BFE2, use Pre-FIRM rate table No Basement/Enclosure category.
Post-fIrM rating 1975
to September 30, 1981,
Construction date
Use Post-FIRM '75-'81 VE, V1-V30 Zone One Floor No Basement/Enclosure/Crawlspace
rates. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer
for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 45 May 1, 2011
NoN-eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS WITH CoNSTruCTIoN daTeS of 1975 To
SePTeMber 30, 1981, IN flood ZoNeS Ve aNd V1-V306
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 2 floors on raised-slab-on-grade or slab-on-stem-wall-with-fill (see Elevation Certificate,
Diagram 1B)
lowest floor for rating Lowest adjacent grade (C2.f)
application Should
Show
Building type - 2 floors
Basement - None
Is building elevated? - No
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use
More Than One Floor No Basement/Enclosure/Crawlspace rate category. If LF1 elevation is
less than the BFE2, use Pre-FIRM rate table No Basement/Enclosure category.
Post-fIrM rating Use Post-FIRM '75-'81 VE, V1-V30 Zone More Than One Floor No Basement/Enclosure/
Crawlspace rates. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to
the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 46 May 1, 2011
NoN-eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS WITH CoNSTruCTIoN daTeS of 1975 To
SePTeMber 30, 1981, IN flood ZoNeS Ve aNd V1-V306
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 1 floor with attached garage
Garage is at lower elevation than principal building area (see Elevation Certificate, Diagram 1)
lowest floor for rating In V Zones, the lowest floor for rating should reflect the bottom of the slab. If the surveyor
used item C2. a or d (attached garage/top of slab) in lieu of C2.c of the Elevation Certificate,
and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct
(for 1-4 family residences) 12 inches from the elevation figure found in item C2. a or d,
whichever is lower. For buildings other than 1-4 family, deduct 18 inches from the elevation
figure found in item C2. a or d, whichever is lower.
application Should
Show
Building type - 1 floor
Basement - None
Is building elevated? - No
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use
One Floor No Basement/Enclosure/Crawlspace rate category. If LF1 elevation is less than the
BFE2, use Pre-FIRM rate table No Basement/Enclosure category.
Post-fIrM rating 1975
to September 30, 1981,
Construction date
Use Post-FIRM '75-'81 VE, V1-V30 Zone One Floor No Basement/Enclosure rates. If LF1
elevation is 2 or more feet below the BFE2, submit the Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 47 May 1, 2011
NoN-eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS WITH CoNSTruCTIoN daTeS of 1975 To
SePTeMber 30, 1981, IN flood ZoNeS Ve aNd V1-V306
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 3 floors
Finished basement (see Elevation Certificate, Diagram 2)
lowest floor for rating Bottom of slab (basement)
In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal
structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate,
and the top of the bottom floor is indicated in the Elevation Certificate, deduct (for 1-4 family
residences) 12 inches from the elevation figure found in item C2.a. For buildings other than
1-4 family, deduct 18 inches from the elevation figure found in item C2.a.
application Should
Show
Building type - 3 or more floors
Basement - Finished
Is building elevated? - No
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use
More Than One Floor With Basement/Enclosure/Crawlspace rate category. If LF1 elevation is
less than the BFE2, use Pre-FIRM rate table With Basement category.
Post-fIrM rating 1975
to September 30, 1981,
Construction date
Use Post-FIRM '75-'81 VE, V1-V30 Zone More Than One Floor With Basement/Enclosure/
Crawlspace rates. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to
the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 48 May 1, 2011
NoN-eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS WITH CoNSTruCTIoN daTeS of 1975 To
SePTeMber 30, 1981, IN flood ZoNeS Ve aNd V1-V306
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description Split level
Unfinished basement (see Elevation Certificate, Diagram 4)
lowest floor for rating Bottom of slab (basement)
In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal
structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate,
and the top of the bottom floor is indicated in the Elevation Certificate, deduct (for 1-4 family
residences) 12 inches from the elevation figure found in item C2.a. For buildings other than
1-4 family, deduct 18 inches from the elevation figure found in item C2.a.
application Should
Show
Building type - Split level
Basement - Unfinished
Is building elevated? - No
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use
More Than One Floor With Basement/Enclosure/Crawlspace rate category. If LF1 elevation is
less than the BFE2, use Pre-FIRM rate table With Basement category.
Post-fIrM rating 1975
to September 30, 1981,
Construction date
Use Post-FIRM '75-'81 VE, V1-V30 Zone More Than One Floor With Basement/Enclosure/
Crawlspace rates. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to
the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 49 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS WITH CoNSTruCTIoN daTeS of 1975 To
SePTeMber 30, 1981, IN flood ZoNeS Ve aNd V1-V30
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 2 floors with walkout at ground level
Lower floor is not below grade on all sides
Principal use of the building is on the elevated floor (see Elevation Certificate, Diagram 7)
elevating foundation
of building
Solid perimeter walls
Type of enclosure Finished or unfinished lower level
Machinery or equipment
Servicing building
With or without machinery or equipment below elevated floor
lowest floor for rating Bottom of slab
In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal
structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate,
and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1-4
family residences) 12 inches from the elevation figure found in item C2.a. For buildings other
than 1-4 family, deduct 18 inches from the elevation figure found in item C2.a.
application Should
Show
Building type - 2 floors
Is building elevated? - Yes
Is area below the elevated floor enclosed? - Yes
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use
More Than One Floor With Basement/Enclosure/Crawlspace rate category. If LF1 elevation is
less than BFE2, use Pre-FIRM rate table With Enclosure category.
Post-fIrM rating Use Post-FIRM rate table More Than One Floor With Basement/Enclosure/Crawlspace
category. If LF1 elevation is 1 or more feet below the BFE2, submit the Application to the
insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 50 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS WITH CoNSTruCTIoN daTeS of 1975 To
SePTeMber 30, 1981, IN flood ZoNeS Ve aNd V1-V30
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 1 floor without enclosed area (see Elevation Certificate, Diagram 5)
elevating foundation
of building
Piers, posts, piles, or columns
Type of enclosure The space below the lowest elevated floor either has no enclosure or has:
(1) Insect screening, provided that no additional supports are required for the screening; or
(2) Wooden or plastic lattice with at least 40 percent of its area open and made of material no
thicker than 1/2 inch; or
(3) Wooden or plastic slats or shutters with at least 40 percent of their area open and made
of material no thicker than 1 inch; or
(4) The area below the lowest elevated floor is enclosed by a combination of one solid
breakaway wall or garage door, and the other sides of the enclosure are insect screening,
or wooden or plastic lattice, slats, or shutters.
Any of these systems must be designed and installed to collapse under stress without
jeopardizing the structural support of the building, so that the impact on the building of
abnormally high tides or wind-driven water is minimized.
Machinery or equipment
Servicing building
Any machinery or equipment below elevated floor is at or above the BFE
lowest floor for rating Bottom of lowest horizontal structural member
application Should
Show
Building type - 1 floor
Is building elevated? - Yes
Is area below the elevated floor enclosed? - No
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use
One Floor No Basement/Enclosure/Crawlspace rate category. If LF1 elevation is less than
BFE2, use Pre-FIRM rate table No Basement/Enclosure category.
Post-fIrM rating Use Post-FIRM '75-'81 VE, V1-V30 Zone One Floor No Basement/Enclosure/Crawlspace
rates. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the insurer
for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 51 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS WITH CoNSTruCTIoN daTeS of 1975 To
SePTeMber 30, 1981, IN flood ZoNeS Ve aNd V1-V30
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 2 floors, including hanging floor (see Elevation Certificate, Diagram 5)
elevating foundation
of building
Piers, posts, piles, or columns
Type of enclosure No enclosure
Machinery or equipment
Servicing building
With or without machinery or equipment below the lowest elevated floor
List the value of machinery, equipment, and appliances.
lowest floor for rating Bottom of lowest horizontal structural member
application Should
Show
Building type - 2 floors
Is building elevated? - Yes
Is area below the elevated floor enclosed? - No
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use
More Than One Floor No Basement/Enclosure/Crawlspace rate category. If LF1 elevation is
less than BFE2, use Pre-FIRM rate table No Basement/Enclosure category.
Post-fIrM rating Use Post-FIRM '75-'81 VE, V1-V30 Zone More Than One Floor No Basement/Enclosure/
Crawlspace rates. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to
the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 52 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS WITH CoNSTruCTIoN daTeS of 1975 To
SePTeMber 30, 1981, IN flood ZoNeS Ve aNd V1-V30
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description Mobile home without enclosed area (see Elevation Certificate, Diagram 5)
elevating foundation
of building
Piers, posts, piles, or columns
Type of enclosure Vinyl or aluminum skirting
Machinery or equipment
Servicing building
With or without machinery or equipment below elevated floor
lowest floor for rating Bottom of lowest horizontal structural member
application Should
Show
Building type - Mobile home
Is building elevated? - Yes
Is area below the elevated floor enclosed? - No
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM Manufactured (Mobile)
Home rate if favorable. If LF1 elevation is less than the BFE2, use Pre-FIRM rate table No
Basement/Enclosure category.
Post-fIrM rating Use Post-FIRM '75-'81 VE, V1-V30 Zone Manufactured (Mobile) Home rates. If LF1 elevation
is 1 or more feet below the BFE2, submit the Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 53 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS WITH CoNSTruCTIoN daTeS of 1975 To
SePTeMber 30, 1981, IN flood ZoNeS Ve aNd V1-V30
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 1 floor and unfinished enclosed area (see Elevation Certificate, Diagram 6)
elevating foundation
of building
Piers, posts, piles, or columns
Type of enclosure Enclosure (total area less than 300 sq. ft.) with breakaway walls
Machinery or equipment
Servicing building
No machinery or equipment below elevated floor
lowest floor for rating Bottom of lowest horizontal structural member
application Should
Show
Pre-FIRM Post-FIRM
Building type 2 floors 1 floor
Is building elevated? Yes Yes
Is area below the elevated floor enclosed? Yes No
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use
One Floor No Basement/Enclosure/Crawlspace rate category. If LF1 elevation is less than
BFE2, use Pre-FIRM rate table With Enclosure category and describe the building as an
elevated building with enclosure.
Post-fIrM rating Use Post-FIRM '75-'81 VE, V1-V30 Zone One Floor No Basement/Enclosure/Crawlspace
rate category. If LF1 elevation is 2 or more feet below the BFE2, submit the Application to the
insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 54 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS WITH CoNSTruCTIoN daTeS of 1975 To
SePTeMber 30, 1981, IN flood ZoNeS Ve aNd V1-V30
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 1 floor and unfinished enclosed area (see Elevation Certificate, Diagram 6)
elevating foundation
of building
Piers, posts, piles, or columns
Type of enclosure Enclosure (total area less than 300 sq. ft.) with breakaway walls
Machinery or equipment
Servicing building
With machinery or equipment below elevated floor
lowest floor for rating Bottom of slab
In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal
structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate,
and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1-4
family residences) 12 inches from the elevation figure found in item C2.a. For buildings other
than 1-4 family, deduct 18 inches from the elevation figure found in item C2.a.
application Should
Show
Building Type - 2 floors
Is building elevated? - Yes
Is area below the elevated floor enclosed? - Yes
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use
More Than One Floor With Basement/Enclosure/Crawlspace rate category. If LF1 elevation is
less than BFE2, use Pre-FIRM rate table With Enclosure category.
Post-fIrM rating Use Post-FIRM '75-'81 VE, V1-V30 Zone More Than One Floor With Basement/Enclosure/
Crawlspace rate category. If LF1 elevation is 1 or more feet below the BFE2, submit the
Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 55 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS WITH CoNSTruCTIoN daTeS of 1975 To
SePTeMber 30, 1981, IN flood ZoNeS Ve aNd V1-V30
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 1 floor and finished or unfinished enclosed area (see Elevation Certificate, Diagram 6)
elevating foundation
of building
Piers, posts, piles, or columns
Type of enclosure Enclosure (total area 300 sq. ft. or more) with non-breakaway walls or with breakaway walls
Machinery or equipment
Servicing building
With or without machinery or equipment below elevated floor
lowest floor for rating Bottom of slab
In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal
structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate,
and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1-4
family residences) 12 inches from the elevation figure found in item C2.a. For buildings other
than 1-4 family, deduct 18 inches from the elevation figure found in item C2.a.
application Should
Show
Building type - 2 floors
Is building elevated? - Yes
Is area below the elevated floor enclosed? - Yes
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use
More Than One Floor With Basement/Enclosure/Crawlspace rate category. If LF1 elevation is
less than BFE2, use Pre-FIRM rate table With Enclosure category.
Post-fIrM rating Use Post-FIRM '75-'81 VE, V1-V30 Zone More Than One Floor With Basement/Enclosure/
Crawlspace rate category. If LF1 elevation is 1 or more feet below the BFE2, submit the
Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 56 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS WITH CoNSTruCTIoN daTeS of 1975 To
SePTeMber 30, 1981, IN flood ZoNeS Ve aNd V1-V30
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 1 floor and finished or unfinished enclosed area (see Elevation Certificate, Diagram 6)
elevating foundation
of building
Shear walls parallel to the expected flow of floodwaters
Type of enclosure Both ends enclosed with nonbreakaway walls or breakaway walls (total enclosed area 300 sq.
ft. or more)
Machinery or equipment
Servicing building
With or without machinery or equipment below elevated floor
lowest floor for rating Bottom of slab
In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal
structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate,
and the top of the bottom floor is at above the lowest adjacent grade (C2.f), deduct (for 1-4
family residences) 12 inches from the elevation figure found in item C2.a. For buildings other
than 1-4 family, deduct 18 inches from the elevation figure found in item C2.a.
application Should
Show
Building type - 2 floors
Is building elevated? - Yes
Is area below the elevated floor enclosed? - Yes
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use
More Than One Floor With Basement/Enclosure/Crawlspace rate category. If LF1 elevation is
less than BFE2, use Pre-FIRM rate table With Enclosure category.
Post-fIrM rating Use Post-FIRM '75-'81 VE, V1-V30 Zone More Than One Floor With Basement/Enclosure/
Crawlspace rate category. If LF1 elevation is 1 or more feet below the BFE2, submit the
Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 57 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS WITH CoNSTruCTIoN daTeS of 1975 To
SePTeMber 30, 1981, IN flood ZoNeS Ve aNd V1-V30
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 1 floor and finished or unfinished enclosed area (see Elevation Certificate, Diagram 7)
elevating foundation
of building
Solid perimeter load-bearing walls
Type of enclosure Finished or unfinished enclosure
Machinery or equipment
Servicing building
With or without machinery or equipment below elevated floor
lowest floor for rating Bottom of slab
In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal
structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate,
and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1-4
family residences) 12 inches from the elevation figure found in item C2.a. For buildings other
than 1-4 family, deduct 18 inches from the elevation figure found in item C2.a.
application Should
Show
Building type - 2 floors
Is building elevated? - Yes
Is area below the elevated floor enclosed? - Yes
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use
More Than One Floor With Basement/Enclosure/Crawlspace rate category. If LF1 elevation is
less than BFE2, use Pre-FIRM rate table With Enclosure category.
Post-fIrM rating Use Post-FIRM '75-'81 VE, V1-V30 Zone More Than One Floor With Basement/Enclosure/
Crawlspace rate category. If LF1 elevation is 1 or more feet below the BFE2, submit the
Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 58 May 1, 2011
eleVaTed buIldINGS
Pre- aNd PoST-fIrM rISKS WITH CoNSTruCTIoN daTeS of 1975 To
SePTeMber 30, 1981, IN flood ZoNeS Ve aNd V1-V30
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 2 floors with crawlspace (see Elevation Certificate, Diagram 8)
elevating foundation
of building
Solid perimeter load-bearing walls
Type of enclosure Unfinished crawlspace
Machinery or equipment
Servicing building
With or without machinery or equipment below elevated floor
lowest floor for rating Bottom of slab
application Should
Show
Building type - 3 or more floors
Is building elevated? - Yes
Is area below the elevated floor enclosed? - Yes
Pre-fIrM rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate if favorable. Use
More Than One Floor With Basement/Enclosure/Crawlspace rate category. If LF1 elevation is
less than BFE2, use Pre-FIRM rate table Elevated On Crawlspace category.
Post-fIrM rating Use Post-FIRM '75-'81 VE, V1-V30 Zone More Than One Floor With Basement/Enclosure/
Crawlspace rate category. If LF1 elevation is 1 or more feet below the BFE2, submit the
Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 59 May 1, 2011
eleVaTed buIldINGS
PoST-fIrM rISKS IN flood ZoNeS Ve aNd V1-V30 -
CoNSTruCTIoN daTe oCTober 1, 1981, aNd afTer
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 1 floor without enclosed area (see Elevation Certificate, Diagram 5)
elevating foundation
of building
Piers, posts, piles, or columns
Type of enclosure The space below the lowest elevated floor either has no enclosure or has:
(1) Insect screening, provided that no additional supports are required for the screening; or
(2) Wooden or plastic lattice with at least 40 percent of its area open and made of material no
thicker than 1/2 inch; or
(3) Wooden or plastic slats or shutters with at least 40 percent of their area open and made
of material no thicker than 1 inch; or
(4) The area below the lowest elevated floor is enclosed by a combination of 1 solid breakaway
wall or garage door, and the other sides of the enclosure are insect screening, or wooden
or plastic lattice, slats, or shutters.
Any of these systems must be designed and installed to collapse under stress without
jeopardizing the structural support of the building, so that the impact on the building of
abnormally high tides or wind-driven water is minimized.
Machinery or equipment
Servicing building
No machinery or equipment below elevated floor
lowest floor for rating Bottom of lowest horizontal structural member
application Should
Show
Building type - 1 floor
Is building elevated? - Yes
Is area below the elevated floor enclosed? - No
V-Zone rating;
Construction date
october 1, 1981,
and after
Use 1981 Post-FIRM V1-V30, VE Zone Free of Obstruction rates. If LF1 elevation is 4 or more
feet below the BFE2, submit the Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 60 May 1, 2011
eleVaTed buIldINGS
PoST-fIrM rISKS IN flood ZoNeS Ve aNd V1-V30 -
CoNSTruCTIoN daTe oCTober 1, 1981, aNd afTer
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 1 floor without enclosed area (see Elevation Certificate, Diagram 5)
elevating foundation
of building
Piers, posts, piles, or columns
Type of enclosure No enclosure or open-wood latticework or insect screening
Machinery or equipment
Servicing building
With machinery or equipment at or above BFE
lowest floor for rating Bottom of lowest horizontal structural member
application Should
Show
Building type - 1 floor
Is building elevated? - Yes
Is area below the elevated floor enclosed? - No
V-Zone rating;
Construction date
october 1, 1981,
and after
Use 1981 Post-FIRM V1-V30, VE Zone Free of Obstruction rates. If LF1 elevation is 4 or more
feet below the BFE2, submit the Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 61 May 1, 2011
eleVaTed buIldINGS
PoST-fIrM rISKS IN flood ZoNeS Ve aNd V1-V30 -
CoNSTruCTIoN daTe oCTober 1, 1981, aNd afTer
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 2 floors, including hanging floor (see Elevation Certificate, Diagram 5)
elevating foundation
of building
Piers, posts, piles, or columns
Type of enclosure No enclosure
Machinery or equipment
Servicing building
With or without machinery or equipment below the lowest elevated floor
List the value of machinery, equipment, and appliances.
lowest floor for rating Bottom of lowest horizontal structural member
application Should
Show
Building type - 2 floors
Is building elevated? - Yes
Is area below the elevated floor enclosed? - No
Post-fIrM rating Use 1981 Post-FIRM V1-V30, VE Zone Free of Obstruction rates. If LF1 elevation is 1 or more
feet below the BFE2, submit the Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 62 May 1, 2011
eleVaTed buIldINGS
PoST-fIrM rISKS IN flood ZoNeS Ve aNd V1-V30 -
CoNSTruCTIoN daTe oCTober 1, 1981, aNd afTer
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 1 floor and unfinished enclosed area (see Elevation Certificate, Diagram 6)
elevating foundation
of building
Piers, posts, piles, or columns
Type of enclosure Enclosure (total area less than 300 sq. ft.) with breakaway walls
Machinery or equipment
Servicing building
Without machinery or equipment below elevated floor
lowest floor for rating Bottom of lowest horizontal structural member
application Should
Show
Building type - 2 floors
Is building elevated? - Yes
Is area below the elevated floor enclosed? - Yes
V-Zone rating;
Construction date
october 1, 1981,
and after
Use 1981 Post-FIRM V1-V30, VE Zone With Obstruction rates. If LF1 elevation is 4 or more
feet below the BFE2, submit the Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 63 May 1, 2011
eleVaTed buIldINGS
PoST-fIrM rISKS IN flood ZoNeS Ve aNd V1-V30 -
CoNSTruCTIoN daTe oCTober 1, 1981, aNd afTer
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 1 floor and unfinished enclosed area (see Elevation Certificate, Diagram 6)
elevating foundation
of building
Piers, posts, piles, or columns
Type of enclosure Enclosure (total area less than 300 sq. ft.) with breakaway walls
Machinery or equipment
Servicing building
With machinery or equipment below BFE
lowest floor for rating Bottom of slab
In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal
structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate,
and the top of the bottom floor is at or above the lowest adjacent grade, deduct (for 1-4
family residences) 12 inches from the elevation figure found in item C2.a. For buildings other
than 1-4 family, deduct 18 inches from the elevation figure found in item C2.a.
application Should
Show
Building type - 2 floors
Is building elevated? - Yes
Is area below the elevated floor enclosed? - Yes
V-Zone rating;
Construction date
october 1, 1981,
and after
Submit the Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 64 May 1, 2011
eleVaTed buIldINGS
PoST-fIrM rISKS IN flood ZoNeS Ve aNd V1-V30 -
CoNSTruCTIoN daTe oCTober 1, 1981, aNd afTer
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 1 floor and finished or unfinished enclosed area (see Elevation Certificate, Diagram 6)
elevating foundation
of building
Piers, posts, piles, or columns
Type of enclosure Enclosure (total area 300 sq. ft. or more) with nonbreakaway walls or breakaway walls
Machinery or equipment
Servicing building
With or without machinery or equipment below elevated floor
lowest floor for rating Bottom of slab
In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal
structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate,
and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1-4
family residences) 12 inches from the elevation figure found in item C2.a. For buildings other
than 1-4 family, deduct 18 inches from the elevation figure found in item C2.a.
application Should
Show
Building type - 2 floors
Is building elevated? - Yes
Is area below the elevated floor enclosed? - Yes
V-Zone rating;
Construction date
october 1, 1981,
and after
Submit the Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 65 May 1, 2011
eleVaTed buIldINGS
PoST-fIrM rISKS IN flood ZoNeS Ve aNd V1-V30 -
CoNSTruCTIoN daTe oCTober 1, 1981, aNd afTer
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 1 floor and finished or unfinished enclosed area (see Elevation Certificate, Diagram 6)
elevating foundation
of building
Shear walls parallel to the expected flow of floodwaters
Type of enclosure Both ends enclosed with breakaway walls (total enclosed area 300 sq. ft. or more)
Machinery or equipment
Servicing building
With or without machinery or equipment below elevated floor
lowest floor for rating Bottom of slab
In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal
structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate,
and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1-4
family residences) 12 inches from the elevation figure found in item C2.a. For buildings other
than 1-4 family, deduct 18 inches from the elevation figure found in item C2.a.
application Should
Show
Building type - 2 floors
Is building elevated? - Yes
Is area below the elevated floor enclosed? - Yes
V-Zone rating;
Construction date
october 1, 1981,
and after
Submit the Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 66 May 1, 2011
eleVaTed buIldINGS
PoST-fIrM rISKS IN flood ZoNeS Ve aNd V1-V30 -
CoNSTruCTIoN daTe oCTober 1, 1981, aNd afTer
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 1 floor and finished or unfinished enclosed area (see Elevation Certificate, Diagram 7)
elevating foundation of
building
Solid perimeter load-bearing walls
Type of enclosure Finished or unfinished enclosure
Machinery or equipment
Servicing building
With or without machinery or equipment below elevated floor
lowest floor for rating Bottom of slab
In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal
structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate,
and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1-4
family residences) 12 inches from the elevation figure found in item C2.a. For buildings other
than 1-4 family, deduct 18 inches from the elevation figure found in item C2.a
application Should
Show
Building type - 2 floors
Is building elevated? - Yes
Is area below the elevated floor enclosed? - Yes
V-Zone rating;
Construction date
october 1, 1981,
and after
Submit the Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 67 May 1, 2011
eleVaTed buIldINGS
PoST-fIrM rISKS IN flood ZoNeS Ve aNd V1-V30 -
CoNSTruCTIoN daTe oCTober 1, 1981, aNd afTer
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 2 floors with crawlspace (see Elevation Certificate, Diagram 8)
elevating foundation
of building
Solid perimeter load-bearing walls
Type of enclosure Unfinished crawlspace
Machinery or equipment
Servicing building
With or without machinery or equipment below elevated floor
lowest floor for rating Top of the bottom floor (crawlspace)
application Should
Show
Building type - 3 or more floors
Is building elevated? - Yes
Is area below the elevated floor enclosed? - Yes
V-Zone rating;
Construction date
october 1, 1981,
and after
Submit the Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 68 May 1, 2011
NoN-eleVaTed buIldINGS
PoST-fIrM rISKS IN flood ZoNeS Ve aNd V1-V30 -
CoNSTruCTIoN daTe oCTober 1, 1981, aNd afTer
Letters and numbers in parentheses, as "(A8.c)" or
"(C2.a)," correspond to Section A or Section C of the
Elevation Certificate.
building description 2 floors on raised-slab-on-grade or slab-on-stem-wall-with-fill (see Elevation Certificate,
Diagram 1B)
lowest floor for rating Lowest adjacent grade (C2.f)
application Should
Show
Building type - 2 floors
Basement - None
Is building elevated? - No
V-Zone rating;
Construction date
october 1, 1981,
and after
Submit the Application to the insurer for a rate.
1 LF - Lowest Floor 4 HAG - Highest Adjacent Grade
2 BFE - Base Flood Elevation 5 See page LFG 3 for optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
lfG 69 May 1, 2011
SPeCIal CerTIfICaTIoNS
This section presents detailed instructions for the
completion of the National Flood Insurance Program
(NFIP) Elevation Certificate (EC) and the NFIP
Floodproofing Certificates.
NoTe: When determining the lowest floor for
rating, refer to the Lowest Floor Guide section of
this manual.
I NfIP eleVaTIoN CerTIfICaTe
The NFIP Elevation Certificate form and instructions
were revised effective March 16, 2009. The surveyor,
engineer, architect, property owner, or owner's
representative is required to provide the square
footage of any crawlspace or enclosure(s) below the
lowest elevated floor (including an attached garage)
plus information about any permanent flood openings
in the crawlspace or enclosure(s). When the EC is
being submitted to obtain flood insurance through the
NFIP, generally at least 2 photographs of the building
must accompany it. This additional information will
significantly enhance the agent's/producer's and
company underwriter's ability to properly rate elevationrated
risks. Current photograph requirements, and
exceptions to them, are described in Section II. below.
Elevations certified on or after April 1, 2010, must be
submitted on the 2009 EC form. An exception is made
when the community official completes the 2006 EC
with elevation data received by the community before
April 1, 2010. It must be noted in the Comments area
of Section G of the 2006 EC that the community had
the data on file before April 1, 2010.
When 2 or more ECs are submitted for the same
building, use the EC with the latest certified date when
rating the policy.
Non-NFIP elevation certification forms certified on or
after October 1, 2000, do not satisfy NFIP requirements
and cannot be used for rating policies.
The EC is required on Post-FIRM construction, but is
optional on Pre-FIRM construction. The EC is required
by the NFIP to certify the lowest floor of a building so
that the policy can be properly rated, as follows (also
see the Lowest Floor Guide section):
? All Post-FIRM Buildings
The EC is to be completed by a land surveyor, an
engineer, or an architect who is authorized by state
or local law to certify elevation information when it is
required for zones A1-A30, AE, AH, A (with Base Flood
Elevations [BFEs]), V1-V30, VE, and V (with BFEs).
Community officials who are authorized by local
law or ordinance to provide floodplain management
information may also complete this form. For zones
AO and A (without BFEs), a building official, a property
owner, or an owner's representative may also
provide the information on this certification. Building
elevation information may be available through the
community official if the community is a Community
Rating System (CRS) participating community.
The lowest adjacent grade and diagram number are
required for all new business applications effective on
or after October 1, 1997, if the elevation certification
date is on or after October 1, 1997.
? Pre-FIRM Buildings Rated Using Post-FIRM Rates
Pre-FIRM construction can be elevation rated using
Post-FIRM EC rates, which are more favorable rates if
the lowest floor of the building is at or above the BFE
for the community. In most cases, the lowest floor
level of a Pre-FIRM building is below the BFE, and it
would not benefit the insured to pay the cost for an
EC in an attempt to secure a lower rate. The decision
to obtain an EC and to request Post-FIRM rating of a
Pre-FIRM building is an option of the insured.
? AR and AR Dual Zones
The EC is optional on all Post- and Pre-FIRM
construction located in AR and AR Dual Zones.
The decision to obtain an EC and to request
Post-FIRM rating is at the discretion of the insured.
The EC includes the AR and AR Dual Zone elevation
requirements.
The agent/producer is to attach a copy of the completed
and signed EC to the Application. The certifier's seal or
license number must be legible on the copy of the EC.
The agent/producer and the policyholder should retain
a copy.
II PHoToGraPH reQuIreMeNTS
Generally, all new business applications for elevationrated
risks with a policy effective date of January
1, 2007, or later must be submitted with at least 2
photographs that show the front and back of the
building and were taken and dated within 90 days
of the mailing date (not the certification date, if that
date was earlier). If the building is a split-level or has
multi-level areas at ground level, at least 2 additional
photographs showing views of both sides of the
building must be submitted.
? Exception 1: When an agent/producer moves his or
her book of business from one insurer to another,
or when an insurer acquires another's book of
CerT 1 May 1, 2011
business, photographs are not required. The
Federal Emergency Management Agency (FEMA) will
continue to consider such policies as renewals, even
though they are reported as new business under the
Transaction Record Reporting and Processing Plan.
(However, when an insured changes agent/producer
and insurer, the policy is considered new business,
and photographs are required.)
? Exception 2: When a Flood Insurance Application
and an EC are submitted for a building in the course
of construction, photographs are not required and
proposed elevations will be used for rating. When
the building is completed, a revised EC with required
photographs and as-built elevations must be
submitted for use in rerating the policy.
These requirements also apply to all renewal and
endorsement transactions adding elevation rating
effective on or after January 1, 2007.
For the convenience of users, 2 Building Photographs
pages are included with the EC and instructions.
However, photographs may be attached to any sheet(s)
of blank paper or business letterhead. All photographs
must measure at least 3"?~ 3", provide a clear image of
the building's distinguishing features, and include date
taken. Analog or digital photographs are acceptable.
Color photographs are preferred.
An EC submitted without the required photographs is
not considered valid for rating, unless the building is
in the course of construction. Each Write Your Own
(WYO) Companymay use its current business practices
in handling ECs without photographs, whether that
is tentative rating, provisional rating, or rejection of
the application.
III uSING THe eleVaTIoN CerTIfICaTe: SPeCIal
CoNSIderaTIoNS
a Section a - Property Information
? Section A of the EC includes the building use. This
information is helpful in validating the data collected
by the insurance agent/producer, and the Flood
Insurance Application information.
? On the EC, latitude, longitude, and related information
are optional only if the document is being certified by
other than a licensed surveyor, engineer, or architect.
? If the EC is being used to obtain flood insurance, and
the certification date is on or after January 1, 2007,
the EC must be accompanied by at least 2 current
photographs of the building. (See II. PHOTOGRAPH
REQUIREMENTS above.)
? For any crawlspace, enclosure(s), or attached
garage, the EC collects square footage, number
of flood openings within 1.0 foot above the higher
of the exterior or interior grade (adjacent) or floor
immediately below the openings, and total area of
flood openings in square inches. (A parking area
located beneath an elevated floor is not considered
an attached garage.)
The information found in Section A of the EC is
critical, as it relates to the insured property. Should
information be missing from Section A (except latitude,
longitude, and related information), the certificate
must be returned to the surveyor, engineer, architect,
or community official who executed the form. These
individuals should be encouraged to fully complete
Section A to avoid any delay in the issuance of the
flood insurance policy.
b Section b - flood Insurance rate Map (fIrM)
Information
The Flood Insurance Rate Map (FIRM) information
includes the following:
? FIRM panel effective date and revision date;
? Source of the BFE or base flood depth;
NoTe: The same elevation datum should be used
in determining all certification elevations as was
used in determining the BFE (i.e., NGVD 1929 or
NAVD 1988).
? Coastal Barrier Resources System (CBRS) area or
Otherwise Protected Area (OPA).
NoTe: Refer to the CBRS section of this manual for
flood insurance coverage eligibility.
C Section C - building elevation Information
(Survey required)
Responsibilities for building elevation information are
as follows:
? The surveyor, engineer, or architect is required to
provide a number of elevations based on the building
type selected.
? From the elevations gathered, the insurance agent/
producer is required to determine the lowest floor for
rating flood insurance.
As it relates to Section C, information found not to be
applicable to the property being certified should be
marked N/A (not applicable) by the surveyor, engineer,
or architect. If any part of Section C is left blank,
critically review it and contact the surveyor, engineer,
CerT 2 May 1, 2011
or architect who completed the form and your company
underwriter with any questions.
Elevation(s) of machinery and equipment servicing the
building (e.g., water heater, furnace, A/C compressor,
heat pump, water pump) must be provided, regardless
of its location, whether inside or outside of the building,
elevated on a platform, or non-elevated.
The surveyor, engineer, or architect may not be able
to gain access to some crawlspaces to obtain the
elevation of the crawlspace floor. In this instance, Item
C2.a on the EC may be left blank and the estimated
measurements entered in the Comments area of
Section D.
Elevations in Section C are based on feet, except in
Puerto Rico, where the metric system is used. The
agent/producer must convert any metric elevation
readings into feet before calculating the flood
insurance premium.
d Section d - Surveyor, engineer, or architect
Certification
Section D is the surveyor's, engineer's, or architect's
certification that the information provided in Sections
A, B, and C is representative of the certifier's best
efforts to interpret the data available. The surveyor's,
engineer's, or architect's signature and identification
number are required fields. Some states also may
require a seal.
e Section e - building elevation Information
(Survey Not required) for Zone ao and Zone a
(Without bfe)
The elevation differences between the lowest floor and
the lowest adjacent grade and highest adjacent grade
are required.
For Zone A (without a FEMA-issued or communityissued
BFE) and Zone AO, a property owner or owner's
authorized representative may complete Sections A, B,
and E.
f Section f - Property owner (or owner's
representative) Certification
Address and other contact information about the
property owner are requested in Section F. The party
completing Sections A, B, and E must execute Section
F as well.
G Section G - Community Information (optional)
The local official who is authorized by law or ordinance
to administer the community's floodplain management
ordinance may transfer elevation information found
on existing documentation (i.e., an older Elevation
Certification form, or surveyor letterhead) to Section
C of the EC. The local official must then certify this
information by fully completing Section G. A statement
advising FEMA of this transfer of information must be
made in the Comments area. Section G may also be
used to certify Item E5.
IV floodProofING CerTIfICaTe
a Purpose and eligibility
? In certain circumstances, floodproofing may be
permitted as an alternative to elevating to or above
the BFE; however, a floodproofing design certification
is required. Certified floodproofing may result in
lower rates.
? Non-residential buildings in any community, in all
locations except in V Zones, may be floodproofed in
lieu of elevating.
? Residential buildings may be floodproofed only if they
have basements, are located in zones A1-A30, AE,
AR, AR Dual, AO, AH, and A with BFE, and only if they
are located in communities specifically approved
and authorized by FEMA. A current list of approved
communities appears on page CERT 4.
? The allowable methods of floodproofing for nonresidential
buildings differ from those allowed for
residential buildings. The specific requirements
should be available from the local government.
b Specifications
The specifications for floodproofing ensure that the
building is watertight, its floodproofed walls will not
collapse, and the floor at the base of the floodproofed
walls will resist flotation during flooding conditions. For
residential buildings, the building must be watertight
without human intervention.
C rating
In order to be eligible for lower rates, the insured
must have a registered professional engineer or
architect certify that the floodproofing conforms with
the minimum floodproofing specifications of FEMA.
This means that the building must be floodproofed
to at least 1 foot above the BFE. If floodproofed to
1 foot above the BFE, flood depth, or comparable
community-approved floodplain management
standards, it can then be treated for rating purposes
as having a "0" elevation difference from the BFE.
This certification must be submitted with the Flood
Insurance Application, and must be accompanied by at
least 2 photographs. For non-residential buildings, the
CerT 3 May 1, 2011
photographs must show the floodproofing measures
in place.
To further illustrate, if the building is certified to be
floodproofed to 2 feet above the BFE, flood depth,
or comparable community-approved floodplain
management standards, whichever is highest, then it
is credited for floodproofing and is to be treated for
rating purposes as having a "+1" foot elevation. See the
Rating section for information on rounding elevations.
d Certification
1. Residential Buildings (With Basements)
The Residential Basement Floodproofing
Certificate is available for residential buildings
with basements located in zones A1-A30, AE, AR,
AR Dual, AO, AH, and A with BFE and located in
a FEMA-approved community that is listed in the
table below. To receive credit for floodproofing,
the completed certificate must be submitted.
The Residential Floodproofing Rating Credit may
be grandfathered for those residential buildings
with a valid Residential Basement Floodproofing
Certificate that were constructed between the
effective date and rescission date, but not on or
after the rescission date.
2. non-Residential Buildings
A completed Floodproofing Certificate for Non-
Residential Structures is required for all such
buildings in Regular Program communities, located
in zones A1-A30, AE, AR, AR Dual, AO, AH, and A
with BFE, in order to receive credit for floodproofing
in lieu of elevation.
aPProVed CoMMuNITIeS for reSIdeNTIal baSeMeNT
floodProofING raTING CredIT
COMMUNITY
NUMBER
STATE/
COMMUNITY NAME EFFECTIVE DATE1 STATUS2
alaska
025009 Fairbanks N. Star Borough 2/28/73 Current
Idaho
160028 Ammon, City of 6/8/90 Current
Iowa
190488
190031
190309
Clive, City of
Independence, City of
La Porte City, City of
4/24/81
9/7/89
6/12/89
Current
Current
Current
Kansas
200484 Colwich, City of 1/17/86 Current
200323 Derby, City of 2/15/833 Current
200019 Great Bend, City of 8/10/83 Current
200131 Halstead, City of 7/8/83 Current
200215 Lindsborg, City of 11/7/94 Current
200334 Rossville, City of 2/18/92 Current
200319 Salina, City of 3/6/86 Current
200316 Saline County 1/14/86 Current
200134 Sedgwick, City of 5/19/863 Current
Minnesota
270267 Alvarado, City of 2/28/85 Current
275235 Clay County 3/28/75 Current
270080 Dilworth, City of 8/29/83 Current
275236 East Grand Forks, City of 5/15/863 Current
275244 Moorhead, City of 2/12/76 Current
1 Effective date corresponds to the date of the letter from FEMA that granted the community's exception request.
2 The Residential Floodproofing Rating Credit may be grandfathered for those residential buildings with a valid Residential Basement
Floodproofing Certificate that were constructed between the effective date and rescission date, but not on or after the rescission date.
3 The date the community adopted floodproofing ordinances.
CerT 4 May 1, 2011
aPProVed CoMMuNITIeS for reSIdeNTIal baSeMeNT
floodProofING raTING CredIT continued
COMMUNITY
NUMBER
STATE/
COMMUNITY NAME EFFECTIVE DATE1 STATUS2
Minnesota (continued)
270414
270273
270274
Roseau, City of
Stephen, City of
Warren, City of
7/14/92
5/10/83
9/24/82
Current
Current
Current
Nebraska
310069
310103
310100
310001
310239
310046
310039
310104
Fremont, City of
Grand Island, City of
Hall County
Hastings, City of
North Bend, City of
Schuyler, City of
Sidney, City of
Wood River, City of
1/25/79
7/29/80
2/10/80
7/8/83
10/15/98
9/17/91
12/4/84
1/12/82
Current
Current
Current
Current
Rescinded 11/1/08
Current
Current
Current
New York
360226
360232
Amherst, Town of
Clarence, Town of
11/20/78
8/1/00
Current
Current
North dakota
380256
380020
385364
380137
380338
380259
380022
380023
380681
380263
380257
380324
380258
380024
Barnes, Township of
Casselton, City of
Fargo, City of
Grafton, City of
Harwood, City of
Harwood, Township of
Horace, City of
Mapleton, City of
Oxbow, City of
Pleasant, Township of
Reed, Township of
Reiles Acres, City of
Stanley, Township of
West Fargo, City of
1/22/82
6/18/81
3/26/753
5/21/81
12/19/85
1/22/82
1/22/82
1/22/823
6/1/923
5/5/83
1/22/82
8/23/82
2/8/82
6/5/78
Current
Current
Current
Current
Current
Current
Current
Current
Current
Current
Current
Current
Current
Current
South dakota
460044 Madison, City of 8/30/83 Current
Wisconsin
550612
550600
550020
550021
550022
550023
550309
Allouez, Village of
Ashwaubenon, Village of
Brown County
Depere, City of
Green Bay, City of
Howard, Village of
Shiocton, Village of
1/11/933
10/27/78
2/21/793
10/27/78
10/27/78
10/27/78
8/1/98
Current
Current
Current
Current
Current
Current
Current
1 Effective date corresponds to the date of the letter from FEMA that granted the community's exception request.
2 The Residential Floodproofing Rating Credit may be grandfathered for those residential buildings with a valid Residential Basement
Floodproofing Certificate that were constructed between the effective date and rescission date, but not on or after the rescission date.
3 The date the community adopted floodproofing ordinances.
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Preferred rISK PolICY
I GeNeral deSCrIPTIoN
The Preferred Risk Policy (PRP) is a Standard Flood
Insurance Policy (SFIP), written using the Dwelling Form
or General Property Form, that offers low-cost coverage
to owners and tenants of eligible buildings located in the
moderate-risk B, C, and X Zones in the National Flood
Insurance Program(NFIP) Regular Programcommunities.
For residential properties, the maximum coverage
combination is $250,000 building and $100,000
contents. Up to $100,000 contents-only coverage
is available.
For non-residential properties, the maximum
coverage combination is $500,000 building and
$500,000 contents. Up to $500,000 contents-only
coverage is available.
Only 1 building can be insured per policy, and only 1
policy can be written on each building.
II elIGIbIlITY reQuIreMeNTS
a flood Zone
To be eligible for coverage under the PRP, the building
must be in a B, C, or X Zone on the effective date of the
policy, with the following exceptions:
? Buildings that were newly designated within a Special
Flood Hazard Area (SFHA) due to a map revision on
or after October 1, 2008, and before January 1,
2011, are eligible for a PRP for 2 policy years if their
policy effective date is between January 1, 2011,
and December 31, 2012.
? Buildings that are newly designated within an SFHA
due to a map revision on or after January 1, 2011,
are eligible for a PRP for 2 policy years from the map
revision date.
Buildings meeting the above requirement must also
meet the PRP loss history requirements. At the end
of the 2-year PRP Eligibility Extension period following
a map revision, policies on these buildings must be
written as standard-rated policies.
For the purpose of determining the flood zone, the
agent/producer may use the Flood Insurance Rate
Map (FIRM) in effect at the time of application and
presentment of premium, except when the building
is eligible for the PRP under the 2-year PRP Eligibility
Extension. The flood map available at the time of
the renewal offer determines a building's continued
eligibility for the PRP. NFIP grandfathering rules do not
apply to the PRP.
b occupancy
Combined building/contents amounts of insurance
are available for owners of all eligible occupancy
types - 1-4 family properties (including individual
condominium units in condominium buildings), other
residential properties, and non-residential properties.
Contents-only coverage is available for tenants and
owners of all eligible occupancies, except when
contents are located entirely in a basement.
C loss History
A building's eligibility for the PRP is based on the
preceding requirements and on the building's flood
loss history. If one of the following conditions exists
within any 10-year period, regardless of any change(s)
in ownership of the building, then the building is not
eligible for the PRP:
? 2 flood insurance claim payments for separate
losses, each more than $1,000; or
? 3 or more flood insurance claim payments for
separate losses, regardless of amount; or
? 2 Federal flood disaster relief payments (including
loans and grants) for separate occurrences, each
more than $1,000; or
? 3 Federal flood disaster relief payments (including
loans and grants) for separate occurrences,
regardless of amount; or
? 1 flood insurance claim payment and 1 Federal
flood disaster relief payment (including loans and
grants), each for separate losses and each more
than $1,000.
In determining a building's flood loss history for PRP
eligibility, Federal flood disaster relief payments
(including loans and grants) are considered only if the
building sustained flood damage.
THe PrP aT a GlaNCe
coVeRaGe tyPe
MaXIMuM lIMITS bY oCCuPaNCY TYPe
1-4 FaMiLy otHeR ResiDentiaL non-ResiDentiaL
Combined Building/
Contents
$250,000/
$100,000
$250,000/
$100,000
$500,000/
$500,000
Contents Only $100,000 $100,000 $500,000
PrP 1 May 1, 2011
III INelIGIbIlITY
For help in determining eligibility/ineligibility of
various condominium risks, use the PRP
Condominium Rating Chart in this section.
? Buildings and/or contents in Emergency Program
communities are not eligible for the PRP.
? Buildings and/or contents in SFHAs are not eligible
for the PRP, unless eligible under the 2-year PRP
Eligibility Extension.
? Multi-unit residential condominium buildings eligible
under the Residential Condominium Building
Association Policy (RCBAP) are not eligible for the PRP.
? Individual residential condominium units in nonresidential
condominium buildings are not eligible for
building coverage.
? Individual non-residential condominium units are not
eligible for building coverage.
? Contents located entirely in a basement are not
eligible for contents-only coverage. However,
contents located entirely in an enclosure are eligible.
? Condominium units are not eligible for Increased
Cost of Compliance (ICC) coverage.
? Buildings on Leased Federal Property determined by
the Administrator to be located on the river-facing
side of any dike, levee, or other riverine flood-control
structure, or seaward of any seawall or other coastal
flood-control structure are not eligible for the PRP.
IV doCuMeNTaTIoN
All PRP new business applications must include
current documentation of eligibility for the PRP. Such
applicationsmust be accompanied by 1 of the following:
? A Letter of Map Amendment (LOMA);
? A Letter of Map Revision (LOMR);
? A Letter of Determination Review (LODR);
? A copy of the most recent flood map marked to show
the exact location of the property and flood zone of
the building;
? A letter indicating the property address and flood
zone of the building, and signed and dated by a local
community official;
? An Elevation Certificate indicating the exact location
and flood zone of the building, and signed and dated
by a surveyor, an engineer, an architect, or a local
community official; or
? A flood zone determination certification that
guarantees the accuracy of the information.
If issuing coverage under the 2-year PRP Eligibility
Extension, the previous and current zones must each
be documented with 1 of the items from the list above.
An agent/producer writing through a Write Your
Own (WYO) Company should contact that company
for guidance.
V reNeWal
An eligible risk renews automaticallywithout submission
of a new application. If, during a policy term, the risk
fails to meet the eligibility requirements, it cannot be
renewed as a PRP. It must be nonrenewed or rewritten
as a standard-rated policy.
Effective May 1, 2008, if there has been a map change
during the policy term that may affect the insured
property, proof of the building's continued eligibility for
the PRP must be provided for the policy to be renewed.
In addition, effective January 1, 2011, PRPs renewed
under the 2-year PRP Eligibility Extension must have
the current and previous flood maps to document the
building's eligibility.
VI CoVeraGe lIMITaTIoNS
The elevated building coverage limitation provisions
do not apply to the PRP; however, basement coverage
limitations do apply.
VII rePlaCeMeNT CoST CoVeraGe
Replacement cost coverage is provided only under
the Dwelling Form when the building is the principal
residence of the insured and the building coverage
limits are at least 80 percent of the replacement cost
of the building at the time of the loss, or the maximum
limits available under the NFIP.
VIII dISCouNTS/feeS/ICC PreMIuM
? Community Rating System (CRS) discounts are not
available for the PRP.
? The $50 Community Probation Surcharge is added,
when applicable.
? The Federal Policy Fee of $20 is included in the
premium and is not subject to commission.
? The ICC premium of $5 is included in the premium.
Deduct this amount if the risk is a condominium unit.
PrP 2 May 1, 2011
IX deduCTIbleS
The standard deductible for PRPs is $1,000 each for
building and contents, applied separately. Optional
deductibles are not available for PRPs.
X eNdorSeMeNTS
The PRP may be endorsed to:
? Increase coverage mid-term, subject to the coverage
limits in effect when the policy was issued or
renewed. See the General Change Endorsement
section for an example.
? Correct misratings, such as incorrect building
description or community number.
XI CoNVerSIoN of STaNdard-raTed PolICY
To PrP due To MISraTING
A policy written as a standard-rated B, C, or X Zone
policy and later found to be eligible for a PRP may be
endorsed or canceled and rewritten as a PRP for only
the current policy term. In addition, effective January
1, 2011, standard-rated policies, regardless of zone,
found to be eligible for the 2-year PRP extension may
be endorsed or canceled and rewritten.
When a risk has been rated with other than B, C, or X
Zone rates but is later found to be in a B, C, or X Zone
and eligible for a PRP, the insurer will be allowed to
endorse or cancel/rewrite up to 6 years.
The policy may be canceled/rewritten using
Cancellation Reason Code 22 if both of the following
conditions are met:
? The request to endorse or cancel/rewrite the policy
is received during the current policy term; and
? The policy has no open claim or closed paid claim on
the policy term being canceled.
The new PRP building and/or contents coverage will
be equal either to the building limit issued under the
standard-rated B, C, or X Zone policy or the next-higher
limit available under the PRP if there is no PRP option
equal to the standard-rated B, C, or X Zone building
limit. For a standard-rated contents-only policy, the
contents coverage will be equal to the limit issued
under the standard-rated policy or the next-higher
limit. If building coverage is desired, the policy should
be endorsed for building and contents coverage with a
30-day waiting period applied.
XII CoNVerSIoN of STaNdard-raTed PolICY
To PrP due To THe 2-Year PrP
elIGIbIlITY eXTeNSIoN
A policy correctly written as a standard-rated policy
and determined to be newly eligible for extended
PRP rating may be endorsed at its next renewal, or
rewritten as a PRP for 2 policy terms. When converting
a standard-rated policy to a PRP due to the 2-year PRP
Eligibility Extension, the 30-day waiting period will not
apply if the standard-rated policy has only building
coverage and is rewritten as a PRP that includes
contents coverage.
XIII CoNVerSIoN of STaNdard-raTed PolICY
To PrP due To MaP reVISIoN, loMa,
or loMr
A standard-rated policy may be endorsed or canceled
and rewritten as a PRP as a result of a map revision,
LOMA, or LOMR if the effective date of the map change
was on or after February 1, 2005.
The policymay be canceled/rewritten usingCancellation
Reason Code 24 under the following conditions:
? The request to cancel/rewrite the standard-rated
policy must be received during the policy term or
within 6 months of the policy expiration date.
? The standard-rated policy has no open claim or
closed paid claim on the policy terms being canceled.
? The property meets all other PRP eligibility
requirements.
The building and/or contents coverage on the new
PRP must be equal either to the building limit and/or
contents limit issued under the standard-rated policy,
or to the next-higher limit available under the PRP if
there is no PRP option equal to the standard-rated
policy building and/or contents limit.
PrP 3 May 1, 2011
Preferred rISK PolICY CoNdoMINIuM raTING CHarT
reSIdeNTIal SINGle-uNIT buIldING or
ToWNHouSe-/roWHouSe-TYPe buIldING WITH SeParaTe eNTraNCe for eaCH uNIT
PURCHASER OF POLICY
BUILDING
OCCUPANCY1
CONDO UNIT
INDICATOR1
PRP
ELIGIBILITY RATE TABLE POLICY FORM
UNIT OWNER SINGLE FAMILY YES YES 1-4 FAMILY RESIDENTIAL DWELLING
ASSOCIATION
(ASSOCIATION-OWNED
SINGLE UNIT ONLY)
SINGLE FAMILY YES YES 1-4 FAMILY RESIDENTIAL DWELLING
ASSOCIATION
(ENTIRE BUILDING)
N/A N/A NO N/A N/A
MulTI-uNIT reSIdeNTIal buIldING - 2 To 4 uNITS Per buIldING
PURCHASER OF POLICY
BUILDING
OCCUPANCY1
CONDO UNIT
INDICATOR1
PRP
ELIGIBILITY RATE TABLE POLICY FORM
UNIT OWNER 2-4 YES YES 1-4 FAMILY RESIDENTIAL DWELLING
ASSOCIATION
(ASSOCIATION-OWNED
SINGLE UNIT ONLY)
2-4 YES YES 1-4 FAMILY RESIDENTIAL DWELLING
ASSOCIATION
(ENTIRE BUILDING)
N/A N/A NO N/A N/A
MulTI-uNIT reSIdeNTIal buIldING - 5 or More uNITS Per buIldING
PURCHASER OF POLICY
BUILDING
OCCUPANCY1
CONDO UNIT
INDICATOR1
PRP
ELIGIBILITY RATE TABLE POLICY FORM
UNIT OWNER OTHER RESIDENTIAL YES YES OTHER RESIDENTIAL DWELLING
ASSOCIATION
(ASSOCIATION-OWNED
SINGLE UNIT ONLY)
OTHER RESIDENTIAL YES YES OTHER RESIDENTIAL DWELLING
ASSOCIATION
(ENTIRE BUILDING)
N/A N/A NO N/A N/A
NoN-reSIdeNTIal buIldING
PURCHASER OF POLICY
BUILDING
OCCUPANCY1
CONDO UNIT
INDICATOR1
PRP
ELIGIBILITY RATE TABLE POLICY FORM
UNIT OWNER NON-RESIDENTIAL
YES
(BUILDING
COVERAGE NOT
AVAILABLE, ONLY
CONTENTS)
YES
NON-RESIDENTIAL
CONTENTS ONLY
GENERAL PROPERTY
UNIT OWNER SINGLE FAMILY
YES
(BUILDING
COVERAGE NOT
AVAILABLE, ONLY
CONTENTS)
YES
1-4 FAMILY RESIDENTIAL
OR
OTHER RESIDENTIAL IF 5
OR MORE UNITS
DWELLING
ASSOCIATION
(ENTIRE BUILDING)
NON-RESIDENTIAL N/A YES
NON-RESIDENTIAL
BUILDING AND CONTENTS
GENERAL PROPERTY
1 When there is a mixture of residential and commercial usage within a single building, refer to the General Rules section of the NFIP
Flood Insurance Manual.
PrP 4 May 1, 2011
PrP CoVeraGe lIMITS aVaIlable effeCTIVe JaNuarY 1, 2011
1-4 faMIlY reSIdeNTIal buIldING aNd CoNTeNTS CoVeraGe CoMbINaTIoNS1, 2, 3
WITH BASEMENT OR ENCLOSURE4 WITHOUT BASEMENT OR ENCLOSURE5
BUILDING CONTENTS PREMIUM BUILDING CONTENTS PREMIUM
$ 20,000 $ 8,000 $154 $ 20,000 $ 8,000 $129
$ 30,000 $ 12,000 $185 $ 30,000 $ 12,000 $160
$ 50,000 $ 20,000 $236 $ 50,000 $ 20,000 $211
$ 75,000 $ 30,000 $277 $ 75,000 $ 30,000 $247
$100,000 $ 40,000 $304 $100,000 $ 40,000 $274
$125,000 $ 50,000 $324 $125,000 $ 50,000 $294
$150,000 $ 60,000 $343 $150,000 $ 60,000 $313
$200,000 $ 80,000 $378 $200,000 $ 80,000 $343
$250,000 $100,000 $405 $250,000 $100,000 $365
all reSIdeNTIal CoNTeNTS-oNlY CoVeraGe1, 2, 6
CONTENTS ABOVE GROUND LEVEL MORE THAN ONE FLOOR ALL OTHER LOCATIONS (BASEMENT-ONLY NOT ELIGIBLE)
CONTENTS PREMIUM CONTENTS PREMIUM
$ 8,000 $49 $ 8,000 $68
$ 12,000 $65 $ 12,000 $92
$ 20,000 $96 $ 20,000 $128
$ 30,000 $110 $ 30,000 $147
$ 40,000 $122 $ 40,000 $164
$ 50,000 $134 $ 50,000 $181
$ 60,000 $146 $ 60,000 $198
$ 80,000 $170 $ 80,000 $218
$100,000 $194 $100,000 $238
oTHer reSIdeNTIal buIldING aNd CoNTeNTS CoVeraGe CoMbINaTIoNS1, 2, 3
With Basement or Enclosure4
CONTENTS COVERAGE $8,000 $12,000 $20,000 $30,000 $40,000 $50,000 $60,000 $80,000 $100,000
BUILDING COVERAGE
$ 20,000 $168 $182 $195 $208 $220 $231 $242 $252 $262
$ 30,000 $182 $196 $209 $222 $234 $245 $256 $266 $276
$ 50,000 $216 $230 $243 $256 $268 $279 $290 $300 $310
$ 75,000 $232 $246 $259 $272 $284 $295 $306 $316 $326
$100,000 $254 $268 $281 $294 $306 $317 $328 $338 $348
$125,000 $261 $275 $288 $301 $313 $324 $335 $345 $355
$150,000 $266 $280 $293 $306 $318 $329 $340 $350 $360
$200,000 $297 $311 $324 $337 $349 $360 $371 $381 $391
$250,000 $314 $328 $341 $354 $366 $377 $388 $398 $408
oTHer reSIdeNTIal buIldING aNd CoNTeNTS CoVeraGe CoMbINaTIoNS1, 2, 3
Without Basement or Enclosure5
CONTENTS COVERAGE $8,000 $12,000 $20,000 $30,000 $40,000 $50,000 $60,000 $80,000 $100,000
BUILDING COVERAGE
$ 20,000 $140 $152 $163 $174 $184 $194 $203 $212 $220
$ 30,000 $158 $169 $180 $191 $201 $211 $220 $229 $237
$ 50,000 $193 $204 $215 $226 $236 $246 $255 $264 $272
$ 75,000 $213 $224 $235 $245 $255 $265 $274 $283 $291
$100,000 $231 $242 $253 $263 $273 $283 $292 $301 $309
$125,000 $240 $251 $262 $272 $282 $291 $300 $309 $317
$150,000 $247 $258 $269 $279 $289 $298 $307 $316 $324
$200,000 $275 $286 $297 $307 $317 $326 $335 $343 $351
$250,000 $290 $301 $312 $322 $332 $341 $350 $358 $366
1 Add the $50 Probation Surcharge, if applicable.
2 Premium includes Federal Policy Fee of $20.
3 Premium includes ICC premium of $5. Deduct this amount if the risk is a condominium unit.
4 Do not use this section of the table for buildings with crawlspaces or subgrade crawlspaces. See footnote 5.
5 Use this section of the table for buildings with crawlspaces or subgrade crawlspaces.
6 Use this "All Residential Contents-Only Coverage" premium table for individual residential condominium unit contents-only policies.
PrP 5 May 1, 2011
PrP CoVeraGe lIMITS aVaIlable effeCTIVe JaNuarY 1, 2011 (continued)
NoN-reSIdeNTIal buIldING aNd CoNTeNTS CoVeraGe CoMbINaTIoNS1, 2
With Basement or Enclosure3
CONTENTS COVERAGE $50,000 $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 $450,000 $500,000
BUILDING COVERAGE
$ 50,000 $ 897 $1,156 $1,404 $1,640 $1,865 $2,079 $2,282 $2,473 $2,653 $2,822
$100,000 $1,271 $1,530 $1,777 $2,013 $2,238 $2,452 $2,655 $2,846 $3,026 $3,195
$150,000 $1,546 $1,805 $2,052 $2,288 $2,513 $2,727 $2,930 $3,121 $3,301 $3,470
$200,000 $1,695 $1,954 $2,201 $2,437 $2,662 $2,876 $3,079 $3,270 $3,450 $3,619
$250,000 $1,800 $2,059 $2,306 $2,542 $2,767 $2,981 $3,184 $3,375 $3,555 $3,724
$300,000 $1,916 $2,175 $2,422 $2,658 $2,883 $3,097 $3,300 $3,491 $3,671 $3,840
$350,000 $2,044 $2,303 $2,550 $2,786 $3,011 $3,225 $3,427 $3,618 $3,798 $3,967
$400,000 $2,128 $2,387 $2,634 $2,870 $3,095 $3,309 $3,511 $3,702 $3,882 $4,051
$450,000 $2,224 $2,483 $2,730 $2,966 $3,191 $3,405 $3,607 $3,798 $3,978 $4,147
$500,000 $2,329 $2,588 $2,835 $3,071 $3,296 $3,510 $3,712 $3,903 $4,083 $4,252
NoN-reSIdeNTIal buIldING aNd CoNTeNTS CoVeraGe CoMbINaTIoNS1, 2
Without Basement or Enclosure4
CONTENTS COVERAGE $50,000 $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 $450,000 $500,000
BUILDING COVERAGE
$ 50,000 $ 567 $ 705 $ 837 $ 963 $1,083 $1,197 $1,305 $1,407 $1,503 $1,593
$100,000 $ 759 $ 897 $1,029 $1,155 $1,275 $1,389 $1,497 $1,599 $1,695 $1,785
$150,000 $ 902 $1,040 $1,172 $1,298 $1,418 $1,532 $1,640 $1,742 $1,838 $1,928
$200,000 $1,051 $1,189 $1,321 $1,447 $1,567 $1,681 $1,789 $1,891 $1,987 $2,077
$250,000 $1,151 $1,289 $1,421 $1,547 $1,667 $1,781 $1,889 $1,991 $2,087 $2,177
$300,000 $1,257 $1,395 $1,527 $1,653 $1,773 $1,887 $1,995 $2,097 $2,193 $2,283
$350,000 $1,314 $1,452 $1,584 $1,710 $1,830 $1,944 $2,052 $2,154 $2,250 $2,340
$400,000 $1,377 $1,515 $1,647 $1,773 $1,893 $2,007 $2,115 $2,217 $2,313 $2,403
$450,000 $1,446 $1,584 $1,716 $1,842 $1,962 $2,076 $2,184 $2,286 $2,382 $2,472
$500,000 $1,521 $1,659 $1,791 $1,917 $2,037 $2,151 $2,259 $2,361 $2,457 $2,547
NoN-reSIdeNTIal CoNTeNTS-oNlY CoVeraGe1, 2, 5
CONTENTS ABOVE GROUND LEVEL MORE THAN ONE FLOOR ALL OTHER LOCATIONS (BASEMENT-ONLY NOT ELIGIBLE)
CONTENTS PREMIUM CONTENTS PREMIUM
$ 50,000 $162 $ 50,000 $ 347
$100,000 $237 $100,000 $ 517
$150,000 $312 $150,000 $ 687
$200,000 $387 $200,000 $ 857
$250,000 $462 $250,000 $1,027
$300,000 $537 $300,000 $1,197
$350,000 $612 $350,000 $1,367
$400,000 $687 $400,000 $1,537
$450,000 $762 $450,000 $1,707
$500,000 $837 $500,000 $1,877
1 Add the $50 Probation Surcharge, if applicable.
2 Premium includes Federal Policy Fee of $20.
3 Do not use this section of the table for buildings with crawlspaces or subgrade crawlspaces. See footnote 4.
4 Use this section of the table for buildings with crawlspaces or subgrade crawlspaces.
5 Premium includes ICC premium of $5. Deduct this amount if the risk is a condominium unit.
PrP 6 May 1, 2011
XIV CoNVerSIoN of PrP To STaNdard-raTed
PolICY
A PRP must be canceled and rewritten to a standardrated
policy if the risk does not meet the PRP eligibility
requirements on the policy effective date. (See the
Eligibility Requirements subsection in this section.)
The building and/or contents coverage on the new
standard-rated policy cannot exceed the building limit
and/or contents limit issued under the PRP.
Policyholders will have 30 days from notification to
pay the additional premium due, or 60 days to obtain
additional information if needed to rate the policy, and
then 30 days to pay the additional premium due. The
premium due will be calculated from the beginning of
the policy term to restore the originally requested limits
without a waiting period.
If increased coverage limits are desired, the new
standard-rated policy must be endorsed; the 30-day
waiting period will apply.
XV CoMPleTING THe flood INSuraNCe
Preferred rISK PolICY aPPlICaTIoN
a Policy Status
In the upper right corner of the form, check the
appropriate box to indicate if the application is for a
NEW policy or RENEWAL of an existing policy. If the
application is for a renewal, enter the current 10-digit
policy number.
b Policy Term
Check the appropriate box to indicate who should
receive the renewal bill. If BILL FIRST MORTGAGEE is
checked, complete the "First Mortgagee" section. If
BILL SECOND MORTGAGEE, BILL LOSS PAYEE, or BILL
OTHER is checked, complete the "Second Mortgagee
or Other" section.
Enter the policy effective date and policy expiration
date (month/day/year). The effective date of the
policy is determined by adding the appropriate waiting
period, if applicable, to the date of application listed in
the "Signature" section. The standard waiting period
is 30 days.
NoTe: Refer to the General Rules section for
exceptions to the standard waiting period.
C agent Information
Enter the agent's/producer's name, agency name
and number, address, city, state, ZIP Code, telephone
number, and fax number. Enter the agent's/producer's
Tax I.D. Number.
d Insured's Mailing address
Enter the name, mailing address, city, state, ZIP Code,
and telephone number of the insured. If the insured's
mailing address is a post office box or a rural route
number, or if the address of the property to be insured
is different from the mailing address, the "Property
Location" section of the applicationmust be completed.
If there is more than 1 building at the property location,
see "H. Property Location" for further instructions.
e disaster assistance
Check YES if flood insurance is being required for
disaster assistance. Identify the Government (disaster)
agency and enter the insured's case file number.
If NO is checked, no further information is required.
PrP 7 May 1, 2011
f first Mortgagee I Community
Enter the name, mailing address, city, state, ZIP
Code, telephone number, and fax number of the
first mortgagee. Enter the loan number. If any of this
information is not available at the time of application,
add it to the policy by submitting a change request.
G Second Mortgagee or other
Identify the second mortgagee or the loss payee by
checking the appropriate box and entering the loan
number, the mortgagee's name, mailing address,
telephone number, and fax number.
If more than 1 additional mortgagee or disaster
assistance agency exists, provide the requested
information on the insurance agency's letterhead and
attach the letterhead to the application form.
H Property location
Check YES if the location of the property being insured
is the same as the insured's mailing address entered
in the "Insured Mailing Address" section. Leave the
rest of the section blank unless there is more than 1
building at the property location.
If NO is checked, provide the address or location of the
property to be insured.
If the insured's mailing address is a post office box
or rural route number, give the street address, legal
description, or geographic location of the property.
Only 1 building can be insured per policy, and only 1
policy can be written on each building.
If there is more than 1 building with the same address
at the location of the property to be insured, clearly
identify the specific building in this section. Attach a
sketch if needed for clarity.
Enter the name of the county or parish where the
property is located. (Not all communities that
have been assigned NFIP community numbers are
participating in the NFIP. Policies may not be written in
non-participating communities.)
Enter the community identification number, map panel
number, and revision suffix of the map that will be
used for rating for the community where the building
is located. When there is only 1 panel (i.e., a flat map),
the community number will consist of only 6 digits.
NoTe: The postal address of the insured building
may not reflect the community where the property
is located. Therefore, do not rely on the postal
address when determining community status and
identification.
In addition, because of possible changes in the
FIRM, do not rely on information from a prior
policy as accurately reflecting the current FIRM
information.
Obtain the community information from the FIRM
currently in effect and that has been published at the
time of presentment of premium and completion of the
application. However, if applying for the PRP under the
2-year Eligibility Extension following a map revision,
enter the community number, panel number, and panel
suffix from the FIRM in effect immediately prior to the
current FIRM.
The current community number may also be obtained
from a flood zone determination or by checking the
NFIP Community Status Book online (http://www.fema.
gov/fema/csb.shtm) or contacting the insurer or a
local community official.
Enter the FIRM zone in the space provided and identify
the information source.
If applying for the PRP under the 2-year Eligibility
Extension following a map revision, enter the FIRM
zone from the FIRM in effect immediately prior to the
current FIRM. If the previous FIRM zone was Zone D,
indicate FIRM Zone X on the application form. Submit
documentation of both the previous and current zones
with the application.
Check YES if the building is located on Federal land;
otherwise, check NO.
PrP 8 May 1, 2011
NoTe: If the property is located on Federal Land, refer
to the Leased Federal Property section for guidance.
J building
Complete all required information in this section.
? Building occupancy
Check the type of occupancy for the building
(i.e., Single Family, 2-4 Family, Other Residential, or
Non-Residential).
o single Family - A residential single-family dwelling;
incidental occupancies are permitted if limited
to less than 50 percent of the building's total
floor area.
NoTe: Incidental occupancies are offices, private
schools, studios, or small service operations
within a residential building.
o 2-4 Family - A residential building containing no
more than 4 dwelling units; incidental occupancies
are permitted if the total area of such occupancies
is limited to less than 25 percent of the total
floor area within the building. This excludes hotels
and motels with normal room rentals for less than
6 months.
o other Residential - These include apartment
buildings as well as hotels or motels where the
normal occupancy of a guest is 6 months or more;
a tourist home or rooming house that has more
than 4 roomers. A residential building containing
more than 4 dwelling units; incidental occupancies
are permitted if the total area of such incidental
occupancies is limited to less than 25 percent of
the total floor area within the building. Examples
of Other Residential buildings include dormitories
and assisted-living facilities.
o non-Residential (including hotel/motel) - These
include, but are not limited to: small business
concerns, churches, schools, farm buildings
(including grain bins and silos), garages,
poolhouses, clubhouses, recreational buildings,
mercantile buildings, agricultural and industrial
buildings, warehouses, nursing homes, licensed
bed and breakfasts, and hotels and motels with
normal room rentals for less than 6 months.
? construction Date
Check 1 of the 5 boxes in the first part of this section.
Enter the appropriate date in the space provided.
o Building Permit Date
Select this box if construction began within 180
days of the building permit date and enter the
building permit date.
o Date of Construction
Select this box if construction began more than
180 days after the building permit date and enter
the date of the start of construction.
o Substantial Improvement Date
Select this box if the building has been substantially
improved or damaged. If the building has been
substantially improved, enter the date that
substantial improvement started or the building
permit date. If the building has been substantially
damaged, enter the date that substantial
damage occurred.
Substantial improvement is any reconstruction,
rehabilitation, addition, or other improvement of a
building, the cost of which equals or exceeds 50
percent of the market value of the building before
the start of construction of the improvement.
Substantial damage is damage of any origin
sustained by a building whereby the cost of restoring
the building to its before-damaged condition would
equal or exceed 50 percent of the market value of
the building before the damage occurred.
Do not select this box for substantial improvement
to a Pre-FIRM building where the improvement is
an addition next to and in contact with the existing
building and the lowest floor elevation of the
addition is at or above BFE. Select the Building
Permit Date box or the Date of Construction box as
applicable and enter the appropriate date.
Do not select this box if the building qualifies as
a historic building; see the Definitions section for
more information.
o Manufactured (Mobile) Homes/Travel Trailers
Located in a Mobile Home Park or Subdivision
Select this box if the manufactured (mobile) home
or travel trailer is located inside amobile home park
or subdivision, and enter the construction date of
the mobile home park or subdivision facilities.
PrP 9 May 1, 2011
o Manufactured (Mobile) Homes/Travel Trailers
Located Outside aMobile Home Park or Subdivision
Select this box if the manufactured (mobile)
home or travel trailer is located outside a mobile
home park or subdivision, and enter the date of
permanent placement.
? Make, Model, and serial number
Enter make, model, and serial number of
manufactured (mobile) home/travel trailer.
? insured's Principal Residence
Check YES if the building is the policyholder's
principal residence; otherwise, check NO.
? Building type
Check the number of floors in the entire building,
including the basement/enclosed area if applicable,
in the appropriate space.
If the building's enclosure or crawlspace is eligible
for exclusion from rating, do not count the enclosed
area as a floor.
o 1 Floor - excludes unfinished attic;
o 2 Floors - includes basement, enclosure,
crawlspace, and subgrade crawlspace;
o 3 or More Floors - includes basement, enclosure,
crawlspace, and subgrade crawlspace;
o Split Level - A foundation with a vertical offset in
the floor framing on either side of a common wall;
o Manufactured (Mobile) Home or Travel Trailer -
Must be built on a permanent chassis and affixed
to a permanent foundation, regardless of size.
? condo Form of ownership
Check YES if the building is under a condominium
form of ownership; otherwise, check NO. (A
homeowners association [HOA] may or may not be
in a condominium form of ownership.) Refer to the
Condominiums section for rating guidelines.
Check YES if the coverage is for a condominium unit;
otherwise, check NO.
Check YES if the coverage is for a townhouse/
rowhouse condo unit; otherwise, check NO.
? contents
Check the box that describes the location of the
contents to be insured.
? estimated Replacement cost
Using normal company practice, estimate the
Replacement Cost Value (RCV) and enter the value in
the space provided. Include the cost of the building
foundation when determining the RCV.
? Building Use
Check the box that indicates the insured building's
use. If OTHER, describe the building use.
? Basement/enclosure/crawlspace/subgrade
crawlspace
Check whether the building contains:
o Basement - Any area of the building, including any
sunken room or sunken portion of a room, having
its floor below ground level (subgrade) on all sides.
o enclosure - That portion of an elevated building
below the lowest elevated floor that is either
partially or fully shut in by rigid walls. A garage
PrP 10 May 1, 2011
PRP 11 May 1, 2011
below or attached to an elevated building is
considered an enclosure.
NOTE: A finished (habitable) area is an enclosed
area that has more than 20 linear feet of
interior finished walls (paneling, etc.).
An unfinished area is an enclosed area that is
used only for the parking of vehicles, building
access, or storage purposes and that does
not meet the definition of a finished
(habitable) area.
oo Crawlspace - In an elevated building, an underfloor
space that has its interior floor area (finished
or not) no more than 5 feet below the top of the
next-higher floor.
oo Subgrade Crawlspace - A crawlspace foundation
where the subgrade under-floor area is no more
than 5 feet below the top of the next-higher floor
and no more than 2 feet below the lowest adjacent
grade on all sides. (A building with a subgrade
crawlspace is not an elevated building.)
NOTE: For buildings insured under the PRP that
have crawlspaces or subgrade crawlspaces,
use the Without Basement or Enclosure
section of the rate table.
K. Notice - B uilding E ligibility
Check YES if the building is located in an SFHA;
otherwise, check NO.
Check YES for any of the conditions above that apply;
otherwise, check NO.
NOTE: If the answer to either question A or question
B is YES, this risk is not eligible for the PRP,
except for buildings eligible under the 2-year PRP
Eligibility Extension.
L. Premium
1. Enter the coverage selected, and the premium,
from the appropriate PRP premium tables in
this section.
2. Add the $50 Probation Surcharge, if applicable.
Deduct $5 if this is an application for a condominium
unit.
M. Signature
The agent/producer must sign and date the PRP
application and is responsible for the completeness
and accuracy of the information provided on it.
NOTE: The waiting period, if applicable, is added to this
date to determine the policy effective date entered
in the Policy Term section of the application.
Electronic transactions are permitted if the business
process includes authentication of signatures and
dates of receipt of premium. WYO Companies are
responsible for determining the business practices and
transaction authentication methods they will use to
ensure the security and integrity of such transactions.
A credit card payment by VISA, MasterCard, Discover,
or American Express will also be acceptable if a
disclaimer form, signed by the insured, is submitted
with the PRP application. The disclaimer will state
that cancellation of a policy due to a billing dispute
will be permitted only for a billing error or fraud. If the
credit card information is taken over the telephone by
the agent/producer, the agent/producer may sign the
authorization form on behalf of the payor only after
having read the disclaimer to the payor.
PRP 12 May 1, 2011
This page is intentionally left blank.
PRP 13 May 1, 2011
PRP 14 May 1, 2011
MPPP 1 May 1, 2011
I. BA CKGROU ND
The Mortgage Portfolio Protection Program (MPPP) was
introduced on January 1, 1991, as an additional tool to
assist the mortgage lending and servicing industries in
bringing their mortgage portfolios into compliance with
the flood insurance requirements of the Flood Disaster
Protection Act of 1973.
The MPPP is not intended to act as a substitute for
the need for mortgagees to review all mortgage loan
applications at the time of loan origination and comply
with flood insurance requirements as appropriate.
Proper implementation of the mandatory purchase
requirements usually results in mortgagors, after their
notification of the need for flood insurance, either
showing evidence of such a policy, or contacting their
insurance agent/producer or their insurer to purchase
the necessary coverage. It is intended that flood
insurance policies be written under the MPPP only as a
last resort, and only on mortgages whose mortgagors
have failed to respond to the various notifications
required by the MPPP.
II. RE QUIRE MENTS FOR PAR TICIPATING IN THE MPPP
The following paragraphs represent the criteria and
requirements that must be followed by all parties
engaged in the sale of flood insurance under the
National Flood Insurance Program (NFIP) Mortgage
Portfolio Protection Program.
A. General
1. All mortgagors notified, in conjunction with this
Program, of their need to purchase flood insurance
must be encouraged to obtain a Standard Flood
Insurance Policy (SFIP) from their agent/producer
or insurer.
2. When a mortgagee or a mortgage-servicing
company discovers, at any time following loan
origination, that there is no evidence of flood
insurance on a property in a Special Flood Hazard
Area (SFHA), then the MPPP may be used by such
lender/servicer to obtain (force-place) the required
flood insurance coverage. The MPPP process
MOR TGAGE POR TFOL IO PRO TECTION PRO GRA M
MOR TGAGE POR TFOL IO PRO TECTION PRO GRA M RA TE A ND
INCREA SED COST OF COMPLIANCE (ICC) TABLE 1, 2
Zone
MPPP Rates per $100 of
Building Coverage3
MPPP Rates per $100 of
Contents Coverage3
ICC Premium for $30,000
Coverage4, 5
Emergency Program Community 3.73 3.77 N/A
A Zones - All building &
occupancy types,
except A99, AR, AR Dual Zones
3.73 / 1.89 3.77 / 1.80 $70
V Zones - All building &
occupancy types 5.56 / 5.56 5.22 / 5.22 $70
A99 Zone, AR, AR Dual Zones .96 / .57 1.28 / .51 $5
1 Add Federal Policy Fee and Probation Surcharge, if applicable, when computing the premium.
2 MPPP policies are not eligible for Community Rating System premium discounts.
3 Basic and additional insurance limits are shown in the Rating section.
4 ICC coverage does not apply to contents-only policies or to individually owned condominium units insured under the
Dwelling Form or General Property Form.
5 The ICC premium is not eligible for the deductible discount. First calculate the deductible discount, then add in the ICC premium.
MPPP 2 May 1, 2011
can be accomplished with limited underwriting
information and with special flood insurance rates.
3. In the event of a loss, the policy will have to be
reformed if the wrong rate has been applied for
the zone in which the property is located. Also, the
amount of coverage may have to be changed if the
building occupancy does not support that amount.
4. It will be the Write Your Own (WYO) Company's
responsibility to notify the mortgagor of all
coverage limitations at the inception of coverage
and to impose those limitations that are applicable
at the time of loss adjustment.
B. WYO A rrangement Article III - F ees
With the implementation of the MPPP, there is no
change in the method of WYO Company allowance
from that which is provided in the Financial Assistance/
Subsidy Arrangement for all flood insurance written.
C. Use of WYO Company F ees for L enders/Servicers
or O thers
1. No portion of the allowance that a WYO Company
retains under the WYO Financial Assistance/
Subsidy Arrangement for the MPPP may be used to
pay, reimburse, or otherwise remunerate a lending
institution, mortgage servicing company, or other
similar type of company that the WYO Company
may work with to assist in its flood insurance
compliance efforts.
2. The only exception to this is a situation where the
lender/servicer may be actually due a commission
on any flood insurance policies written on any
portion of the institution's portfolio because it
was written through a licensed property insurance
agent/producer on their staff or through a licensed
insurance agency owned by the institution or
servicing company.
D. Notification
1. WYO Company/Mortgagee - Any WYO Company
participating in the MPPP must notify the lender
or servicer, for which it is providing the MPPP
capability, of the requirements of the MPPP. The
WYO Company must obtain signed evidence from
each such lender or servicer indicating their receipt
of this information, and keep a copy in its files.
2. Mortgagee to Mortgagor - In order to participate
in the MPPP, the lender (or its authorized
representative, which typically will be the WYO
Company providing the coverage through the
MPPP) must notify the borrower of the following, at
a minimum:
a. The requirements of the Flood Disaster
Protection Act of 1973;
b. The flood zone location of the borrower's
property;
c. The requirement for flood insurance;
d. The fact that the lender has no evidence of the
borrower's having flood insurance;
e. The amount of coverage being required and its
cost under the MPPP; and
f. The options of the borrower for obtaining
conventionally underwritten flood insurance
coverage and the potential cost benefits of
doing so.
A more detailed discussion of the notification
requirements is made a part of this program document
under "O. Policy Declarations Page Notification
Requirements" on page MPPP 3.
E. Eligibility
1. Type of Use - The MPPP will be allowed only in
conjunction with mortgage portfolio reviews and
the servicing of those portfolios by lenders and
mortgage servicing companies. The MPPP is not
allowed to be used in conjunction with any form of
loan origination.
2. Type of Property - The standard NFIP rules apply,
and all types of property eligible for coverage
under the NFIP will be eligible for coverage under
the MPPP.
F. Source of O ffering
The force-placement capability will be offered by the WYO
Companies only and not by the NFIP Servicing Agent.
G. Dual Interest
The policy will be written covering the interest of
both the mortgagee and the mortgagor. The name of
the mortgagor must be included on the Application
Form. It is not, however, necessary to include the
mortgagee as a named insured because the Mortgage
Clause (section VII.Q. of the Dwelling Form and the
General Property Form) affords building coverage to
any mortgagee named as mortgagee on the Flood
Insurance Application. If contents coverage for the
mortgagee is needed, the mortgagee should be
included as a named insured.
H. Term of Policy
NFIP policies written under the MPPP will be for
a term of 1 year only (subject to the renewal
notification process).
MPPP 3 May 1, 2011
I. Coverage O ffered
Both building and contents coverage will be available
under the MPPP. The coverage limits available under
the Regular Program will be $250,000 for building
coverage and $100,000 for contents. If the WYO
Company wishes to provide higher limits that are
available to other occupancy types such as other
residential or non-residential, it may do so only if it
can indicate that occupancy type as appropriate. If
the mortgaged property is in an Emergency Program
community, then the coverage limits available will
be $35,000 for building coverage and $10,000 for
contents. Again, if the higher limits are desired for
other types of property, then the building occupancy
type must be provided at the inception of the policy
or when that information may become available, but it
must be prior to any loss.
J. Policy F orm
The current SFIP Dwelling Form and General Property
Form will be used, depending upon the type of
structure insured. In the absence of building occupancy
information, the Dwelling Form should be used.
K. Waiting Period
The NFIP rules for the waiting period and effective
dates apply to the MPPP.
L. Premium Payment
The current rules applicable to the NFIP will apply. The
lender or servicer (or payor) has the option to follow its
usual business practices regarding premium payment,
so long as the NFIP rules are followed.
M. Underwriting - A pplication
1. The MPPP will require less underwriting information
than normally required under the standard NFIP
rules and regulations. The MPPP data requirements
for rating and processing are, at a minimum:
a. Name and mailing address of insured
(mortgagor; also see Dual Interest);
b. Address of insured (mortgaged) property;
c. Community information (complete NFIP
map panel number and date; program type,
Emergency or Regular) countywide maps;
d. Occupancy type (so statutory coverage limits
are not exceeded. This information may be
difficult to obtain. Also see Coverage Offered.);
e. NFIP flood zone where property is located
(lender must determine, in order to determine
if flood insurance requirements are necessary
and to use the MPPP);
f. Amount of coverage;
g. Name and address of mortgagee; and
h. Mortgage loan number.
2. No elevation certificates will be required as there
will be no elevation rating.
N. Rates
See page MPPP 1.
O. Policy D eclarations Page Notification
Requirements
In addition to the routine information, such as amounts
of coverage, deductibles, and premiums, that a WYO
Company may place on the policy declarations page
issued to each insured under the NFIP, the following
messages are required:
1. This policy is being provided for you as it is required
by Federal law as has been mentioned in the
previous notices sent to you on this issue. Since
your mortgage company has not received proof
of flood insurance coverage on your property in
response to those notices, we provide this policy
at their request.
2. The rates charged for this policy may be considerably
higher than those that may be available to you if
you contact your local insurance agent/producer
(or the WYO Company).
3. The amounts of insurance coverage provided in
this policy may not be sufficient to protect your full
equity in the property in the event of a loss.
4. You may contact your local insurance
agent/producer (or WYO Company) to replace this
policy with a conventionally underwritten SFIP,
at any time, and typically at a significant savings
in premium.
The WYO Company may add other messages
to the declarations page and make minor editorial
modifications to the language of these messages
if it believes any are necessary to conform to
the style or practices of that WYO Company, but
any such additional messages or modifications
must not change the meaning or intent of the
above messages.
Since the amount of underwriting data obtained at
the time of policy inception will typically be limited,
the extent of any coverage limitations (such as
when replacement coverage is not available or
coverage is limited because the building has a
basement or is considered an elevated building
with an enclosure) will be difficult to determine.
MPPP 4 May 1, 2011
It is, therefore, the responsibility of the WYO
Company to notify the mortgagor/insured of all
coverage limitations at the inception of coverage
and impose any that are applicable at the time of
the loss adjustment.
P. Policy R eformation - Policy Correction
Section VII.G. of the Dwelling Form and of the General
Property Form will apply as appropriate.
Examples of circumstances under which reformation or
correction might be needed would be:
?? Policy R eformation - The wrong rate was applied for
the zone in which the property was actually located.
??Policy Correction - The amount of coverage
exceeds the amount available under the NFIP for
the type of building occupancy that represents the
building insured.
In such cases, the amount of coverage would have to be
adjusted to the amount available and any appropriate
premium adjustments made.
Q. Coverage B asis - A ctual Cash Value or
Replacement Cost
There are no changes from the standard practices
of the NFIP for these provisions. The coverage basis
will depend on the type of occupancy of the building
covered and the amount of coverage carried.
R. Deductible
A $1,000 deductible is applicable for policies written
under the MPPP.
S. Federal Policy F ee
There is no change from the standard practice. The
Federal Policy Fee in effect at the time the MPPP policy
is written must be used.
T. Renewability
The MPPP policy is a 1-year policy. Any renewal of that
policy can occur only following the full notification
process that must take place between the lender
(or its authorized representative) and the insured/
mortgagor, when the insured/mortgagor has failed
to provide evidence of obtaining a substitute flood
insurance policy.
U. Cancellations
The NFIP Flood Insurance Manual rules for cancellation/
nullification are to be followed, when applicable.
V. Endorsement
An MPPP policy may not be endorsed to convert it directly
to a conventionally underwritten SFIP. Rather, a new
policy application, with a new policy number, must be
completed according to the underwriting requirements
of the SFIP, as contained in the NFIP Flood Insurance
Manual. The MPPP policy may be endorsed to assign
it under rules of the NFIP. It may also be endorsed for
other reasons such as increasing coverage.
W. Assignment to a Third Party
Current NFIP rules remain unchanged; therefore, an
MPPP policy may be assigned to another mortgagor or
mortgagee. Any such assignment must be through an
endorsement.
X. Article XIII - R estriction on O ther F lood Insurance
Article XIII of the Arrangement is also applicable to the
MPPP and, as such, does not allow a company to sell
other flood insurance that may be in competition with
NFIP coverage. This restriction, however, applies solely
to policies providing flood insurance. It also does not
apply to insurance policies provided by a WYO Company
in which flood is only 1 of several perils provided, or when
the flood insurance coverage amounts are in excess of
the statutory limits provided under the NFIP or when the
coverage itself is of such a nature that it is unavailable
under the NFIP, such as blanket portfolio coverage.
END 1 May 1, 2011
The National Flood Insurance Program (NFIP) General
Change Endorsement form cannot be used to renew
a policy, or extend or change a policy term. However,
the General Change Endorsement form or a similar
request with the necessary information can be used to
make certain types of coverage and rating changes or
corrections to existing policy data.
I. ENDOR SEMENT RULE S
A. Coverage E ndorsements
1. Addition of Coverage or Increase in Amount of
Insurance
Added coverage, or an increase in the amount of
insurance, is permitted at any time during a policy
term. The additional premium is calculated pro
rata for the balance of the policy term, at either
the rate in effect on the endorsement effective
date or the rate in effect on the policy effective
date, in accordance with each Write Your Own
(WYO) Company's standard business practice.
(See Examples 1 through 4 at the end of this
section.) Refer to the General Rules section for the
applicable waiting period.
2. Reduction in Amount of Insurance
A reduction in the amount of building insurance
cannot be made unless part of the building has
been removed, which reduces the building's value
to less than the amount of the building insurance,
or a current appraisal or cost estimate is provided
which shows that the building's current coverage
amount is higher than the estimated replacement
cost of the building. (See Example 5 at the end of
this section.)
A reduction in the amount of contents insurance
cannot be made unless some of the contents
have been sold or removed, which reduces the
contents' value to less than the amount of the
contents insurance.
If the insured has a non-NFIP policy, the coverage
can be reduced to the amount of the non-NFIP
policy deductible.
3. Removal of Coverage
There is no return premium for the removal of
building or contents coverage unless the property
is no longer at the described location or the
property of the policyholder. (See Example 6 at the
end of this section.)
B. Rating E ndorsements
1. Rate Reduction
It is not permissible to revise a policy's rating during
a policy term, due to a rate decrease, unless the
effective date of the rate change is prior to the
policy's effective date.
2. Rating Adjustment
NFIP rules require that the policy must be in effect
in order to process refunds.
Rating adjustments will be allowed for only the
current year for failure of the insurer to:
??Use the map grandfather rule.
??Use the V-Zone Risk Factor Rating Form. The
endorsement effective date is either the date
the V-Zone Risk Factor Rating Form was certified
or the effective date of the current policy year,
whichever is later.
??Use the Federal Emergency Management Agency
(FEMA) Special Rates (see the Rating section).
The endorsement effective date is the date that
FEMA provided the rates.
??Make a timely revision of alternative rates
(rates used for Pre-FIRM rated risks where the
zone is unknown).
??Use Post-FIRM rating for a Pre-FIRM structure.
The refund will be processed if the insured
provides an Elevation Certificate (EC). The
endorsement effective date is the effective date
of the current policy year.
??Use an EC on Post-FIRM buildings rated using
"Without Certification of Compliance or Elevation
Certificate" for zones AO and AH, or "No Elevation
Certificate or No BFE" for Unnumbered A Zone.
The endorsement effective date is the effective
date of the current policy term.
3. Revision of an Alternative Rating
Alternative rating is used to determine the premium
on a Renewal Notice following conversion of a
community from the Emergency Program to
the Regular Program. Alternative rates are also
used by agents/producers for the rating of Pre-
FIRM construction. Alternative rating allows the
agent/producer and the policyholder 1 year to
revise the rating, so a premium refund can be
obtained from the renewal or inception date if
it is determined that the insured property is
GENERAL CHANGE E NDOR SEMENT
END 2 May 1, 2011
located in a lower-rated zone. During subsequent
policy terms, such revisions may also be made
effective with the start of the policy term.
4. Map Revision
A map change (reprinting, Letter of Map Amendment
[LOMA], Letter of Map Revision [LOMR], or Letter
of Determination Review [LODR]) may change
the flood zone in which a property is located to a
lower-rated zone, or it may change the Base Flood
Elevation (BFE). In such cases, the policy rating
may be revised for the current and prior policy
years if the change occurred prior to the current
policy year.
Before processing the endorsement, the agent/
producer should check the Flood Map Status
Information Service to make sure that the LOMA,
LOMR, or LODR is still valid (or has been recertified)
based on the most recent map revision. Also, if the
revised map changes the BFE, verify that the same
elevation datum is used to determine the building
elevations on the EC.
When a community has been converted from the
Emergency Program to the Regular Program, the
policy rating may be revised to reflect the correct
flood zone. However, no premium refund is allowed
on premium previously paid.
C. Misrated Policy
Premium refunds will be allowed with proper
documentation (see III.B.2.a.) going back a maximum
of 6 calendar years when there was a misrating such
as an incorrect building description, lowest floor
elevation, community number, flood zone, or BFE, so
long as the insured can provide proof of the misrating.
The flood zone and BFE can only be corrected using
the current Flood Insurance Rate Map (FIRM).
Any lapse in coverage does not extend the number of
years the premium refund is allowed.
D. Conversion of Standard-Rated Policy to PRP D ue
to Misrating or Map R evision
A policy written as a standard-rated B, C, or X Zone
policy and later found to be eligible for a Preferred Risk
Policy (PRP) may be endorsed or rewritten as a PRP
for only the current policy term. In addition, effective
January 1, 2011, standard-rated policies, regardless of
zone, found to be eligible for the 2-year PRP extension
may be endorsed or rewritten.
When the risk has been rated with other than B, C, or X
Zone rates but is later found to be in a B, C, or X Zone
and eligible for a PRP, the insurer will be allowed to
endorse or cancel/rewrite up to 6 years.
The policy may be canceled/rewritten using Cancellation
Reason Code 22 if both of the following conditions
are met:
??The request to endorse or cancel/rewrite the policy
is received during the current policy term; and
??The policy has no open claim or closed paid claim.
The new PRP building coverage will be equal to either
the building limit issued under the standard-rated B, C,
or X Zone policy or the next-higher limit available under
the PRP if there is no PRP option equal to the standardrated
B, C, or X Zone building limit. For a standard-rated
contents-only policy, the contents coverage will be equal
to the limit issued under the standard-rated policy or the
next-higher limit. If building coverage is desired, or the
building and/or contents coverage requested exceeds
the limits described above, the coverage should be
endorsed with a 30-day waiting period.
E. Changing D eductibles
Increasing deductibles is permitted during the current
policy term. (See Example 7 at the end of this section.)
Deductibles cannot be reduced mid-term, unless
required by the mortgagee and written authorization
is provided by the mortgagee. A 30-day waiting period
will apply unless the request to reduce the deductible
is in connection with making, increasing, extending, or
renewing a loan.
The Increased Cost of Compliance (ICC) premium is
not eligible for the deductible discount or surcharge.
First calculate the deductible discount or surcharge,
then add in the ICC premium.
F. Correcting Property A ddress
A policy cannot be endorsed to change the location.
This includes relocation from 1 unit to another unit in
the same building.
However, an erroneous address (e.g., through
typographical error) can be corrected through
endorsement. The agent/producer must provide proof
of or a reasonable explanation for the error.
II. ENDOR SEMENT PRO CESSING PRIOR TO POL ICY RE NEWAL (NFIP D IRE CT BU SINESS
ONLY)
A. During the L ast 90 D ays of Policy Term
1. If the premium payment for renewal of the policy
has not already been processed by the NFIP,
END 3 May 1, 2011
a processed General Change Endorsement
will produce a revised Renewal Notice for the
upcoming term.
2. If the original Renewal Notice has not been paid,
the payor may use the revised Renewal Notice or
subsequent Final Notice.
B. During the L ast 75 D ays of Policy Term
1. If the original Renewal Notice has not been paid,
the agent/producer must submit the General
Change Endorsement for the current policy term
only and submit a renewal Application for the
upcoming term. A separate premium payment
must be submitted for each transaction. (The
insured and/or mortgagee, if payor, should be
advised not to pay the Renewal Notice or Final
Notice when a renewal Application and premium
have been submitted.)
2. If the original Renewal Notice has been paid,
the agent/producer must submit the General
Change Endorsement together with any required
additional premium for the renewal policy term
and, if applicable, a separate General Change
Endorsement and additional premium for the
remainder of the current policy term. The effective
date of the endorsement to increase coverage (up
to the inflation factor) will be the "renewal date"
only if the endorsement and additional premium
are received within the 30-day grace period.
C. Refunds Generated from E ndorsement Processing
The return premium is based on rates in effect on the
effective date of the change or the policy effective
date, in accordance with the WYO Company's standard
business practice. It is calculated by revising the rate,
effective from the inception date of the current policy
term, provided the inception date is on or after the
community conversion date.
The Federal Policy Fee and Probation Surcharge
(if applicable) are not subject to calculation of
return premiums.
III. PRE PARA TION OF FOR M
A. General Instructions
Endorsements are processed by submitting a
completed General Change Endorsement form and
proper documentation (see III.B.2.a.) to the insurer.
Instructions for completing the General Change
Endorsement form are self-explanatory. The following
items are of special note:
??The policy term cannot be changed. All calculations
must reflect the policy term shown on the current
declarations page.
??A geographic location must be given for a property.
For example, the insured's mailing address may be
shown as:
Route 4
Box 179
Danville, OH 43014
The property location should be completed as:
Farmhouse on the north side of U.S. 70, 6 miles
west of Danville, OH 43014.
??Check whether the building was built in compliance
or has had continuous coverage. If grandfathering for
continuous coverage, enter the prior policy number.
If the building was built in compliance, enter the
applicable community identification number, map
panel number, suffix, FIRM zone, and, if applicable,
the BFE.
??The contents location section should be completed
if contents coverage is being added/deleted or if
the location of the contents being insured within
the described building has changed. Provide
an explanation of the change of location in the
description area of the section.
??All endorsements, whether paper or electronic
form, must be signed. Electronic transactions
are permitted if the business process includes
authentication of signatures and dates of receipt
of premium. WYO Companies are responsible for
determining the business practices and transaction
authentication methods they will use to ensure the
security and integrity of such transactions.
??The insured must sign and date the General Change
Endorsement form whenever there is a request to
reduce policy limits, make policy assignment, or
change the agent/producer of record.
B. Refund Processing Procedures
1. The current insurer will be responsible for returning
the premium for the current and the prior policy
year, provided that it was the insurer for that period.
If another NFIP insurer was the insurer for the prior
policy year, it will be responsible for returning the
premium for that year. Agents/producers submit
refund requests to their insurer.
2. Requests for refunds for more than 2 years must
be processed by the NFIP Bureau and Statistical
Agent (NFIP Bureau).
a. For requests processed by the NFIP Bureau,
the current insurer must submit all of the
END 4 May 1, 2011
documentation necessary to make a refund for
any period exceeding 2 years. At a minimum,
this documentation will consist of the following:
??The company's statistical records or
declarations pages for each policy term and
evidence of premium payments obtained
from the insured if these documents are not
available from the company's records.
??An endorsement request for each year and
the premium refund calculation for each year
that the company had the policy.
??A LOMA; a LOMR; a LODR; a copy of the most
recent flood map marked to show the exact
location and flood zone of the building; a letter
indicating the exact location and flood zone of
the building, and signed and dated by a local
community official; an EC indicating the exact
location and flood zone of the building, and
signed and dated by a surveyor, an engineer,
an architect, or a local community official; or
a flood zone determination certification that
guarantees the accuracy of the information.
b. In order for the NFIP Bureau to process a refund
request, the appropriate documentation must
be mailed directly to:
NFIP Bureau and Statistical Agent
Underwriting Department
8400 Corporate Dr., Suite 350
Landover, MD 20785
3. WYO Companies will be notified of the premium
refunded and the Expense Allowance due to
the NFIP. The companies must maintain this
documentation as part of their underwriting files.
4. Any lapse in coverage does not extend the number
of years the premium refund is allowed.
The NFIP Bureau will return to the sender any unauthorized
refund requests for more than 2 years.
END 5 May 1, 2011
IV. ENDOR SEMENT RA TING E XAMPLE S
TABLE OF CONTENTS
EXAMPLE PAGE
Example 1 Increasing Coverage on a Preferred Risk Policy. . . . . . . . . . . . . . . . . . . . . . . . . . . . END 6
Example 2 Increasing Coverage, Program Conversion. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . END 7
Example 3 Increasing Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . END 8
Example 4 Increasing Coverage After a Rate Change. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . END 9
Example 5 Reducing Building Coverage. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . END 10
Example 6 Removing Contents. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . END 11
Example 7 Increasing Deductible . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . END 12
END 6 May 1, 2011
EXAMPLE 1
INCREA SING COVERA GE O N A PREFERRED R ISK POL ICY
??Policy term is October 15, 2009-2010.
??Pre-FIRM, X-Zone, with basement.
??Present coverage:Building $75,000/
Contents $30,000.
??Premium at policy effective date was $260.
??Endorsement effective date is May 2, 2010.
??Coverages added are $125,000 on the building and
$50,000 on the contents for a total of $200,000
on the building and $80,000 on the contents.
??Rates in effect on the effective date of the policy
are to be used in calculating the premiums.
??The difference between these 2 premiums is $108.
??Prorate the Difference.
Time period is May 2, 2010,
to October 15, 2010;
Number of days is 166;
Pro-rata factor is .455
INSURANCE
COVERAGE
SECTION A
CURRENT COVERAGE
SECTION B
+ INCREASED - DECREASED COVERAGE ONLY NEW
PREMIUM
AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM TOTALS
BUILDING BASIC 75,000 - 260 125,000 - 368 368
BUILDING ADDITIONAL - - - - - - -
CONTENTS BASIC 30,000 - - 50,000 - - -
CONTENTS ADDITIONAL - - - - - - -
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT
OPTION:
CREDIT CARD
OTHER:
SUBTOTAL 368
BUILDING COVERAGE CONTENTS COVERAGE DEDUCT. DISCOUNT/SURCHARGE -
BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL SUBTOTAL 368
- - 200,000 - - 80,000 ICC PREMIUM -
IF RETURN PREMIUM, MAIL REFUND TO: INSURED AGENT PAYOR.
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW
SUBTOTAL 368
CRS PREMIUM DISCOUNT ____% -
SUBTOTAL 368
PREMIUM PREVIOUSLY PAID
(Excludes Probation Surcharge/
Federal Policy Fee)
260
SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY)
DIFFERENCE + (+/-) +108
PRO-RATA FACTOR .455
TOTAL (+/-) +49
END 7 May 1, 2011
EXAMPLE 2
INCREA SING COVERA GE, PRO GRA M CONVER SION
??Policy term is January 15, 2010-2011.
??Single-family dwelling, no basement, Pre-FIRM.
??Present coverage: Building $35,000/
Contents $10,000.
??Policy conversion date from Emergency to Regular
Program: July 15, 2010.
??Building located in an A99 Zone.
??Premium rates are: Building .78/.21,
Contents 1.20/.37.
??Endorsement effective date is October 14, 2010.
(The Emergency Program premiums that already
exist on this policy are earned for the remainder of
the policy term; they are not refundable.)
??The coverages being added are $50,000 on the
building and $15,000 on the contents for a total
of $85,000 on the building and $25,000 on the
contents; and $30,000 coverage for ICC.
??To increase coverage, complete Sections A and B.
Section A is for current coverage; Section B should
show only the amounts of the increases.
??$15,000 of the $50,000 coverage to be added on
the building must be calculated in the "Amount"
column under Section B, "Increased-Decreased
Coverage Only" (using the applicable rate) to amend
the present coverage to the threshold for the
Regular Program basic limits.
??$10,000 of the $15,000 coverage to be added
on the contents must be calculated under the
"Amount" column under Section B, "Increased-
Decreased Coverage Only" (using the applicable
rate) to amend the present coverage to the
threshold for the Regular Program basic limits.
??Add Sections A and B premiums to obtain the New
Premium Subtotals.
??Add the ICC premium, which was not paid in the
Emergency Program.
??The Premium Previously Paid is $362 (excluding
ICC/Probation Surcharge/Federal Policy Fee).
??Subtract the Premium Previously Paid from the
Premium Total to obtain the Difference (additional/
return premium).
??Prorate the Difference.
Time period is October 14, 2010,
to January 15, 2011;
Number of days is 93;
Pro-rata factor is .255
INSURANCE
COVERAGE
SECTION A
CURRENT COVERAGE
SECTION B
+ INCREASED - DECREASED COVERAGE ONLY NEW
PREMIUM
AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM TOTALS
BUILDING BASIC 35,000 .76 266 25,000 .78 195 461
BUILDING ADDITIONAL - - - 25,000 .21 53 53
CONTENTS BASIC 10,000 .96 96 15,000 1.20 180 276
CONTENTS ADDITIONAL - - - - - - -
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT
OPTION:
CREDIT CARD
OTHER:
SUBTOTAL 790
BUILDING COVERAGE CONTENTS COVERAGE DEDUCT. DISCOUNT/SURCHARGE -
BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL SUBTOTAL 790
60,000 25,000 85,000 25,000 - 25,000 ICC PREMIUM 6
IF RETURN PREMIUM, MAIL REFUND TO: INSURED AGENT PAYOR.
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW
SUBTOTAL 796
CRS PREMIUM DISCOUNT ____% -
SUBTOTAL 796
PREMIUM PREVIOUSLY PAID
(Excludes Probation Surcharge/
Federal Policy Fee)
362
DIFFERENCE + (+/-) +434
SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY)
PRO-RATA FACTOR .255
TOTAL (+/-) +111
END 8 May 1, 2011
EXAMPLE 3
INCREA SING COVERA GE
??Policy term is December 12, 2009-2010.
??Single-family dwelling, no basement.
??Pre-FIRM Building.
??Building located in Zone C.
??Present coverage: Building $35,000/Contents
$10,000.
??Endorsement is effective on October 1, 2010,
to add additional coverage of $65,000 on the
building and $15,000 on the contents for a total
of $100,000 building coverage and $25,000
contents coverage.
??Premium rates are: Building .78/.21,
Contents 1.20/.37.
??To increase coverage, complete Sections A and B.
Section A is for current coverage. Section B should
show the amount of the coverage increase only.
??$25,000 of the $60,000 coverage to be added on
the building must be calculated in the "Amount"
column under Section B, "Increased-Decreased
Coverage Only" (using the applicable rate) to amend
the present coverage to the threshold for the
Regular Program basic limits.
??$10,000 of the $15,000 coverage to be added
on the contents must be calculated under the
"Amount" column under Section B, "Increased-
Decreased Coverage Only" (using the applicable
rate) to amend the present coverage to the
threshold for the Regular Program basic limits.
??Add Section A and B premiums to obtain the New
Premium Totals.
??Add the New Premium Totals to calculate the
Premium Subtotal.
??Add in the ICC Premium.
??The Premium Previously Paid is $399 (excluding
Probation Surcharge/Federal Policy Fee), which
is the total current annual premium including
ICC premium.
??Subtract the Premium Previously Paid from the
Premium Total to obtain the Difference (should be
additional/return premium).
??Prorate the Difference.
Time period is October 1, 2010,
to December 12, 2010;
Number of days is 72;
Pro-rata factor is .197
INSURANCE
COVERAGE
SECTION A
CURRENT COVERAGE
SECTION B
+ INCREASED - DECREASED COVERAGE ONLY NEW
PREMIUM
AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM TOTALS
BUILDING BASIC 35,000 .78 273 25,000 .78 195 468
BUILDING ADDITIONAL - - - 40,000 .21 84 84
CONTENTS BASIC 10,000 1.20 120 15,000 1.20 180 300
CONTENTS ADDITIONAL - - - - - - -
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT
OPTION:
CREDIT CARD
OTHER:
SUBTOTAL 852
BUILDING COVERAGE CONTENTS COVERAGE DEDUCT. DISCOUNT/SURCHARGE -
BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL SUBTOTAL 852
60,000 40,000 100,000 25,000 - 25,000 ICC PREMIUM 6
IF RETURN PREMIUM, MAIL REFUND TO: INSURED AGENT PAYOR.
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW
SUBTOTAL 858
CRS PREMIUM DISCOUNT ____% -
SUBTOTAL 858
PREMIUM PREVIOUSLY PAID
(Excludes Probation Surcharge/
Federal Policy Fee)
399
DIFFERENCE + (+/-) +459
SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY)
PRO-RATA FACTOR .197
TOTAL (+/-) +90
END 9 May 1, 2011
EXAMPLE 4
INCREA SING COVERA GE AF TER A RA TE CHANGE
??Policy term is April 15, 2010-2011.
??Single-family dwelling, Regular Program.
??1 floor, no basement.
??Current policy limits: Building $30,000/
Contents $8,000.
??Building located in an AE Zone, Post-FIRM.
??Premium rates are: Building 1.43, Contents 1.24.
??Post-FIRM construction with a 0 elevation
difference.
??Endorsement effective date is October 15, 2010.
??The coverages being added are $15,000 on the
building and $7,000 on contents for a total of
$45,000 building coverage and $15,000
contents coverage.
??A rate increase takes effect on October 1, 2010.
??Rates in effect on the effective date of the policy
are to be used.
??In Section A, enter the basic limits and rates for
building and contents in effect at the beginning of
the policy term.
??In Section B, enter the $15,000 basic building
amount, and the applicable rate (1.43). (See page
END 1, "Additional Coverage or Increase in Amount
of Insurance." Companies are allowed to use either
rates in effect at policy inception or rates in effect
at endorsement effective date.)
??In Section B, enter the $7,000 basic contents
amount and the applicable rate (1.24).
??Add Sections A and B premiums to obtain the New
Premium Totals.
??Add the New Premium Totals to calculate the
Premium Subtotal.
??Add in the ICC Premium.
??The Premium Previously Paid is $534 (excluding
Probation Surcharge/Federal Policy Fee), which
is the total current annual premium including
ICC premium.
??Subtract the Premium Previously Paid from the
Premium Total to obtain the Difference (should be
additional/return premium).
??Prorate the Difference.
Time period is October 15, 2010,
to April 15, 2011;
Number of days is 182;
Pro-rata factor is .499
INSURANCE
COVERAGE
SECTION A
CURRENT COVERAGE
SECTION B
+ INCREASED - DECREASED COVERAGE ONLY NEW
PREMIUM
AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM TOTALS
BUILDING BASIC 30,000 1.43 429 15,000 1.43 215 644
BUILDING ADDITIONAL - - - - - - -
CONTENTS BASIC 8,000 1.24 99 7,000 1.24 87 186
CONTENTS ADDITIONAL - - - - - - -
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT
OPTION:
CREDIT CARD
OTHER:
SUBTOTAL 830
BUILDING COVERAGE CONTENTS COVERAGE DEDUCT. DISCOUNT/SURCHARGE -
BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL SUBTOTAL 830
45,000 - 45,000 15,000 - 15,000 ICC PREMIUM 6
IF RETURN PREMIUM, MAIL REFUND TO: INSURED AGENT PAYOR.
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW
SUBTOTAL 836
CRS PREMIUM DISCOUNT ____% -
SUBTOTAL 836
PREMIUM PREVIOUSLY PAID
(Excludes Probation Surcharge/
Federal Policy Fee)
534
DIFFERENCE + (+/-) +302
SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY)
PRO-RATA FACTOR .499
TOTAL (+/-) +151
END 10 May 1, 2011
EXAMPLE 5
REDU CING BU ILD ING COVERA GE
??Policy term is December 1, 2009-2010.
??Single-family dwelling, with basement.
??Regular Program, Zone B, Post-FIRM.
??Policy limits: Building $150,000/Contents $0.
??A wing of the building was destroyed by fire on July
1, 2010, and the building was repaired without
the wing, reducing the value of the dwelling to
$100,000. (This explanation should be recorded
in the Reason for Change section of the General
Change Endorsement form.)
??Present rates are: Building .89/.30.
??Endorsement effective date is July 1, 2010.
??In Section A, enter the basic building amount
($60,000) and the applicable rate (.89).
??In Section B, enter the new additional building
amount at the same rate of .30.
??Add Sections A and B to obtain the New
Premium Totals.
??Add the New Premium Totals to obtain the Premium
Subtotal.
??The Premium Previously Paid is $810 (excluding
Probation Surcharge/Federal Policy Fee), which
is the total current annual premium including ICC
premium.
??Add ICC Premium.
??Subtract the Premium Previously Paid from the
Premium Total to obtain the Difference (should be
additional/return premium).
??Prorate the Difference.
Time period is July 1, 2010,
to December 1, 2010;
Number of days is 153;
Pro-rata factor is .419
INSURANCE
COVERAGE
SECTION A
CURRENT COVERAGE
SECTION B
+ INCREASED - DECREASED COVERAGE ONLY NEW
PREMIUM
AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM TOTALS
BUILDING BASIC 60,000 .89 534 - - - 534
BUILDING ADDITIONAL 90,000 .30 270 -50,000 .30 -150 120
CONTENTS BASIC - - - - - - -
CONTENTS ADDITIONAL - - - - - - -
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT
OPTION:
CREDIT CARD
OTHER:
SUBTOTAL 654
BUILDING COVERAGE CONTENTS COVERAGE DEDUCT. DISCOUNT/SURCHARGE -
BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL SUBTOTAL 654
60,000 40,000 100,000 - - - ICC PREMIUM 6
IF RETURN PREMIUM, MAIL REFUND TO: INSURED AGENT PAYOR.
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW
SUBTOTAL 660
CRS PREMIUM DISCOUNT ____% -
SUBTOTAL 660
PREMIUM PREVIOUSLY PAID
(Excludes Probation Surcharge/
Federal Policy Fee)
810
DIFFERENCE + (+/-) -150
SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY))
PRO-RATA FACTOR .419
TOTAL (+/-) -63
END 11 May 1, 2011
EXAMPLE 6
RE MOVING CONTENTS
??Policy term is November 20, 2009-2010.
??Non-residential structure.
??Emergency Program.
??Policy limits: Building $100,000/
Contents $100,000.
??Insured purchased a new business location and
moved the contents to the new location while
still retaining the old location as rental property.
(This explanation should be recorded in the
Reason for Change section of the General Change
Endorsement form.)
??Present rates are: Building .83, Contents 1.62.
??Removal date and effective date of change is
January 14, 2010.
??Enter the current building and contents coverages in
Section A and the current rates (.83/1.62).
??Enter the decrease in contents coverage in
Section B.
??Add all New Premium Totals to obtain the Premium
Subtotal.
??The Premium Previously Paid is $2,450 (excluding
Probation Surcharge/Federal Policy Fee), which is
the total current premium from Section A.
??Subtract the Premium Previously Paid from the
Premium Total to obtain the Difference (should be
additional/return premium).
??Prorate the Difference.
Time period is January 14, 2010,
to November 20, 2010;
Number of days is 310;
Pro-rata factor is .849
INSURANCE
COVERAGE
SECTION A
CURRENT COVERAGE
SECTION B
+ INCREASED - DECREASED COVERAGE ONLY NEW
PREMIUM
AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM TOTALS
BUILDING BASIC 100,000 .83 830 - - - 830
BUILDING ADDITIONAL - - - - - - -
CONTENTS BASIC 100,000 1.62 1,620 -100,000 1.62 -1,620 -
CONTENTS ADDITIONAL - - - - - - -
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT
OPTION:
CREDIT CARD
OTHER:
SUBTOTAL 830
BUILDING COVERAGE CONTENTS COVERAGE DEDUCT. DISCOUNT/SURCHARGE -
BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL SUBTOTAL 830
- - 100,000 - - - ICC PREMIUM -
IF RETURN PREMIUM, MAIL REFUND TO: INSURED AGENT PAYOR.
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW
SUBTOTAL 830
CRS PREMIUM DISCOUNT ____% -
SUBTOTAL 830
PREMIUM PREVIOUSLY PAID
(Excludes Probation Surcharge/
Federal Policy Fee)
2,450
DIFFERENCE - (+/-) -1,620
SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY)
PRO-RATA FACTOR .849
TOTAL (+/-) -1,375
END 12 May 1, 2011
EXAMPLE 7
INCREA SING DEDU CTIBLE
??Policy term is January 15, 2010-2011.
??Single-family dwelling.
??Emergency Program (Pre-FIRM).
??Current policy limits: Building $35,000/
Contents $10,000.
??Policy deductible: $2,000/$2,000.
??Insured requests to increase deductible to
$4,000/$2,000 (.900), effective April 15, 2010.
(This explanation should be recorded in the
Reason for Change section of the General Change
Endorsement form.)
??Present rates are: Building .76, Contents .96.
??Enter the current building and contents coverage in
Section A, and enter the applicable rates.
??Add Sections A and B to obtain the New
Premium Totals.
??Add the New Premium Totals to obtain the Premium
Subtotal.
??The Premium Previously Paid is $397 (excluding
ICC*, and Probation Surcharge/Federal Policy Fee),
which is the total current annual premium from
Section A.
??Calculate the Deductible Discount amount and
enter that amount in the block marked Difference.
??Prorate the Difference.
Time period is April 15, 2010,
to January 15, 2011;
Number of days is 275;
Pro-rata factor is .753
* ICC-N/A in Emergency Program
INSURANCE
COVERAGE
SECTION A
CURRENT COVERAGE
SECTION B
+ INCREASED - DECREASED COVERAGE ONLY NEW
PREMIUM
AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM TOTALS
BUILDING BASIC 35,000 .76 266 - - - 266
BUILDING ADDITIONAL - - - - - - -
CONTENTS BASIC 10,000 .96 96 - - - 96
CONTENTS ADDITIONAL - - - - - - -
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT
OPTION:
CREDIT CARD
OTHER:
SUBTOTAL 362
BUILDING COVERAGE CONTENTS COVERAGE DEDUCT. DISCOUNT/SURCHARGE -36
BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL SUBTOTAL 326
- - - - - - ICC PREMIUM -
IF RETURN PREMIUM, MAIL REFUND TO: INSURED AGENT PAYOR.
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ANY FALSE
STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW
SUBTOTAL 326
CRS PREMIUM DISCOUNT ____% -
SUBTOTAL 326
PREMIUM PREVIOUSLY PAID
(Excludes Probation Surcharge/
Federal Policy Fee)
362
DIFFERENCE - (+/-) -36
SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY)
PRO-RATA FACTOR .753
TOTAL (+/-) -27
END 13 May 1, 2011
END 14 May 1, 2011
RE N 1 May 1, 2011
I. GENERAL INFOR MATION
The Standard Flood Insurance Policy (SFIP) is not a
continuous policy. Each policy contract expires at
12:01 a.m. on the last day of the policy term. Renewal
of an expiring policy establishes a new policy term and
new contractual agreement between the policyholder
and the Federal Emergency Management Agency
(FEMA). The National Flood Insurance Program (NFIP)
must issue a notice of expiration not less than 45
days before the expiration of the flood insurance policy
by first-class mail to the owner of the property, the
servicer of any loan secured by the property, and (if
known) the owner of the loan.
All policies, including Submit-for-Rate, must be renewed
using the rates in effect on the renewal date.
Policy renewal documentation and premium should
be submitted to the NFIP in advance of the policy
expiration date to ensure there is no lapse in coverage.
There are 2 ways to renew a policy:
?? The agent/producer should complete the entire
Flood Insurance Application when recertifying or
changing policy information, and mail it with the Total
Prepaid Amount to the insurer.
The 30-day waiting period applies when an additional
amount of insurance requested at renewal time is
higher than the amount listed on the renewal bill
provided by the insurer. The beginning of the waiting
period is determined by the standard rules. In order
for the coverage amount higher than the inflation
option to take effect on the renewal date, the full
premium must be received at least 30 days prior to
the renewal effective date.
OR
?? The payor should respond to a Renewal Notice by
selecting an option shown on the direct mail notice
and returning it with the Total Prepaid Amount to
the insurer.
II. RE NEWAL NOTICE
All parties listed on the policy (insured, agent/producer,
mortgagees) are mailed a Renewal Notice 45 days
prior to the policy expiration date. The party designated
on the policy record as the payor receives the payor's
copy of the bill; all other parties receive a copy that
states "THIS IS NOT A BILL."
A. Renewing for the Same Coverage - O ption A
Option A of the Renewal Notice shows current amounts
of insurance and deductibles at the time the Renewal
Notice is printed.
B. Inflation F actor - O ption B
Option B shows premium for amounts of insurance
increased by an inflation factor of 10 percent for building
coverage and 5 percent for contents coverage. The
current deductible is used. For Preferred Risk Policies
(PRPs), Option B is the next-higher coverage package
available. There is no waiting period if Option B is
chosen. The inflation option will be no higher than the
replacement cost on record for that policy. If coverage
higher than the current replacement cost on record
is desired, updated replacement cost documentation
must be submitted.
C. Nonrenewal and Cancellation
Renewal Notices will not be generated and policies will
not be renewed for the following situations:
?? Building under construction;
?? Tentatively rated policy;
?? Suspended community;
?? Provisional rating;
?? Group Flood Insurance Policy;
?? PRP ineligibility;
?? Section 1316 property.
However, in each of the situations above, any
mortgagee named on the policy must be notified of
the nonrenewal or cancellation, as required by the
Mortgage Clause of the SFIP (see the Policy section,
General Conditions, Q. Mortgage Clause in all policy
forms). Within 5 days of the policy expiration date, an
appropriately worded expiration notice must be sent to
the mortgagee, with copies to the agent/producer and
the insured.
III. PRE MIUM PAYMENT DUE
To ensure that the policy is renewed without a lapse
in coverage, the premium must be received by the
insurer within 30 days after the expiration date. As an
alternative, the premium can be mailed by certified
mail within 30 days after the expiration date. The
term "certified mail" has been broadened to include
not only the U.S. Postal Service, but also certain thirdparty
delivery services. For details, see the Receipt
Date subsection in the General Rules section. Use the
renewal date plus 29 days to determine if the renewal
premium was received within 30 days.
POL ICY RE NEWAL S
RE N 2 May 1, 2011
Renewal payments may also be paid by VISA,
MasterCard, Discover, or American Express. Use the
detachable payment stub at the bottom of the Renewal
Notice and Final Notice, or use the Credit Card Payment
Form at the end of this section. The form is also
available in the Forms Library on the NFIP Servicing
Agent's website at http://www.nfipservice.com. If a
charge is declined, you will be notified by mail.
Electronic transactions are permitted if the business
process includes authentication of signatures and
dates of receipt of premium. WYO Companies are
responsible for determining the business practices and
transaction authentication methods they will use to
ensure the security and integrity of such transactions.
IV. FINAL NOTICE
If the premium payment is not received by the insurer
by the date of expiration, a Final Notice is produced.
This notice is mailed to the agent/producer, insured,
and mortgagee. The expired policy will be reissued with
a new effective date if the premium payment is not
received by the insurer within 30 days following the
policy expiration date.
Mortgagee protection under the policy shall continue in
force after the expiration of the policy for 30 days from
the mailing date.
V. RE NEWAL EFFE CTIVE DA TE DE TER MINATION
Renewal dates are calculated as follows:
?? If the Final Notice and the premium payment are
received by the insurer within 30 days following the
expiration, the policy will be issued under the same
policy number as the previous term, with no lapse in
coverage. For example, if the policy expires on May
1, the Final Notice and premium payment must be
received on or before May 30.
?? If the Final Notice and the premium payment are
received by the insurer after the 30-day period, but
within 90 days following the expiration, the policy will
be placed in force 30 days following receipt by the
insurer.
?? If the Final Notice and the premium payment are
received after 90 days following the expiration date,
the agent/producer must submit a new application
with the full annual premium. The standard 30-day
waiting period will apply.
VI. INSUFF ICIENT RE NEWAL INFOR MATION
To generate Renewal Notices and Final Notices, the
insurer must have received acceptable application
data. A Renewal Notice will not be generated in cases
where a policy application has not been corrected
prior to the start of a renewal cycle. Therefore, it is
important that agents/producers respond immediately
to requests for additional information.
VII. ENDOR SEMENTS DUR ING RE NEWAL CYCLE
Endorsements received at the insurer within 75 days
of the policy expiration date may not be reflected on
the renewal bill. The agent/producer should therefore
ensure that the new policy is properly endorsed after
renewal.
The agent/producer should use a renewal application
to ensure that all changes are reflected on the renewal.
VIII. SEVERE RE PETITIVE LO SS PRO PER TIES
All policy transactions for Severe Repetitive Loss (SRL)
properties must be processed by the NFIP Special
Direct Facility. See the SRL section of this manual for
information.
IX. Trans fer of B usin ess at R enewal
The new insurer must collect all required underwriting
information needed to verify the correct rating
and issuance of the policy. However, a declarations
page usually does not provide all the required
underwriting information.
The new insurer may use the elevation information on
the declarations page issued by the previous insurer
only when the Lowest Floor Elevation (LFE) and BFE
are provided. The elevation information on the previous
declarations page must be validated when there is
a discrepancy in the building description (e.g., the
Application shows a basement or an enclosure and
the declarations page does not, or the Application
describes a non-elevated building and the declarations
page describes an elevated building).
A PRP requires documentation of eligibility including
verification of the flood zone.
A Residential Condominium Building Association Policy
(RCBAP) requires all information needed to issue and
rate the policy, including photos and Replacement Cost
Value (RCV) documentation.
When an agent/producer moves his or her book of
business from 1 insurer to another, or when an insurer
acquires another's book of business, photographs are
not required. However, when transferring an individual
policy, the photograph requirement applies.
RE N 3 May 1, 2011
SUMMAR Y OF POL ICY NOTICES
NOTICES INSURED AGENT MOR TGAGEE
RE NEWAL NOTICE
Shown on pages REN 4-5
NFIP mails notice for
payment 45 days prior
to renewal date.
NFIP mails notice for
payment 45 days prior
to renewal date.
NFIP mails notice for
payment 45 days prior
to renewal date.
FINAL NOTICE
Shown on pages REN 6-7
NFIP mails notice on
policy expiration date.
NFIP mails notice on
policy expiration date.
NFIP mails a 30-day
notice of nonrenewal
on expiration date.
Mortgagee protection
terminates 30 days
after mailing of notice.
POL ICY DE CLARA TIONS PAGE
Not shown
NFIP mails policy
declarations page.
NFIP mails policy
declarations page.
NFIP mails policy
declarations page.
RE N 4 May 1, 2011
RE N 5 May 1, 2011
RE N 6 May 1, 2011
RE N 7 May 1, 2011
RE N 8 May 1, 2011
CN 1 May 1, 2011
Flood insurance coverage may be terminated by either
canceling or nullifying the policy, only in accordance
with a valid reason for the transaction, as described
in Paragraphs I.B.1-24. If coverage is terminated, the
insured may be entitled to a full or partial refund under
applicable rules and regulations. In some instances,
the insured might be ineligible for a refund.
I. PRO CEDURE S A ND VAL ID REA SONS
Submit a completed Cancellation/Nullification Request
Form and proper documentation to the current National
Flood Insurance Program (NFIP) insurer for processing.
A. Refund Processing Procedures
1. The current NFIP insurer will be responsible for
returning the premium for the current policy year
and 1 prior policy year, provided that it was the
insurer for that period. If another NFIP insurer
was the insurer for the prior policy year, it will be
responsible for returning the premium for that year.
2. Requests for refunds for more than 2 years
(Reason Codes 4, 6, 10, and 22 only) must be
processed by the NFIP Bureau and Statistical
Agent (NFIP Bureau).
a. For requests processed by the NFIP Bureau,
the current NFIP insurer must submit all of the
documentation necessary to make a refund for
any period exceeding 2 years. At a minimum,
this documentation will consist of the following:
??A policy cancellation request and the premium
refund calculation for each year.
??The company's statistical records or
declarations pages for each policy term and
evidence of premium payments obtained
from the insured if these documents are not
available from the company's records.
??Photographs to verify ineligible risks.
??For Cancellation Reason Code 22 only
(standard-rated policy eligible for the
Preferred Risk Policy [PRP]): A Letter of Map
Amendment (LOMA); a Letter of Map Revision
(LOMR); a copy of the most recent flood map
marked to show the exact location and flood
zone of the building; a letter indicating the
exact location and flood zone of the building,
and signed and dated by a local community
official; an Elevation Certificate indicating the
exact location and flood zone of the building,
and signed and dated by a surveyor, an
engineer, an architect, or a local community
official; or a flood zone determination
certification that guarantees the accuracy of
the information.
b. Mail the appropriate documentation to:
NFIP Bureau and Statistical Agent
Underwriting Department
8400 Corporate Dr., Suite 350
Landover, MD 20785
3. Write Your Own (WYO) Companies will be notified of
the premium refunded and the Expense Allowance
due to the NFIP. The companies must maintain this
documentation as part of their underwriting files.
4. All existing refund rules concerning the Federal
Policy Fee and agent/producer commission remain
in effect.
B. Valid R eason Codes for Cancellation/Nullification
of NFIP Policies
The Transaction Record Reporting and Processing
(TRRP) reason codes in this section are used for
reporting purposes only.
1. Building Sold or Removed (TRRP reason 01)
The insured has sold or transferred ownership
of the insured property and no longer has an
insurable interest; the builder or developer has
requested to cancel the policy mid-term because a
newly created association has purchased a policy
under its name; or the insured property has been
removed from the described location. This reason
code also may be used if the building has been
foreclosed or if the building is considered a total
loss because the building damage is greater than
or equal to the replacement cost of the building.
The effective date of the cancellation is the date
the insured ceased to have an insurable interest
in the property. For buildings sold, proof-of-sale
documentation is required.
??Type of Refund: Pro rata
??Years Eligible for Refund: Up to 2 years
??Cancellation Request: Must be received within
1 year of date of sale or removal if the policy
has expired
??Documentation: Bill of sale, settlement statement,
proof of removal, proof of total loss, or court
documentation to identify the refund recipient if
the building is foreclosed
CANCELLA TION/NULL IFICATION
CN 2 May 1, 2011
2. C ontents Sold or Removed (TRRP reason 02)
The insured has sold or transferred ownership
of the insured property and no longer has an
insurable interest, or the insured property has
been completely removed from the described
location. The effective date of the cancellation is
the date the insured ceased to have an insurable
interest in the property at the described location,
or the date the property was removed from the
described location.
??Type of Refund: Pro rata
??Years Eligible for Refund: Up to 2 years
??Cancellation Request: Must be received within 1
year of date of sale or removal
??Documentation: Bill of sale, proof of contents
removal, or proof of total loss
3. Policy Canceled and Rewritten to Establish a
Common Expiration Date with Other Insurance
Coverage (TRRP reason 03)
The new policy must be rewritten within the
same company for the same or higher amounts
of coverage. However, if it is rewritten for higher
amounts of coverage, the waiting period rule will
apply. The agent/producer must submit a new
Application and premium. Upon receipt of the
new policy declarations page, the agent/producer
should request cancellation of the prior policy. The
effective date of the cancellation will be the same
as the effective date of the new policy.
??Type of Refund: Pro rata
??Years Eligible for Refund: Current year
??Cancellation Request: Must be received within 1
year of the new policy effective date
??Documentation: Copy of new policy declarations
page
4. Duplicate NFIP Policies (TRRP reason 04)
When a duplicate NFIP policy has been issued,
only 1 policy can remain in effect. The insured can
choose which policy is to remain in effect and which
policy is to be canceled. This does not apply when
there has been a deliberate creation of duplicate
policies. If this event does occur, the policy with
the later effective date must be canceled. Losses
occurring under such circumstances will be
adjusted according to the terms and conditions of
the first policy.
When coverage has been force-placed by a lender
using a conventionally written standard-rated policy
because the required underwriting information is
available, that policy is considered equivalent to
the Mortgage Portfolio Protection Program (MPPP)
policy. The WYO Company is authorized to cancel
the standard-rated (force-placed) policy, provided
that a copy of the force-placement letter from the
mortgagee and a copy of the policy declarations
page are submitted with the Cancellation/
Nullification Request Form. The WYO Company is
authorized to cancel the MPPP policy if a copy of
the policy declarations page is submitted with the
Cancellation/Nullification Request Form.
??Type of Refund: Pro rata
??Years Eligible for Refund: Up to 6 years
??Cancellation Request: Must be received within 1
year of the policy expiration date
??Documentation: Copy of declarations page(s)
and, for the standard force-placed policy, a copy
of the force-placement letter from the mortgagee
5. N on-Payment (TRRP reason 05)
When an agent/producer accepts a premium
payment from a client and then submits an agency
check to the insurer with the Application, the policy
may be nullified if the client's check is returned
because of insufficient funds or any other reason
the check is not made good to the agent/producer.
The bank's notice must be attached to the form
when this situation occurs. If the agent/producer
can document this, a full premium refund is
provided to the agent/producer. If a WYO Company
has covered the premium for a prospective insured
and then does not receive payment, the policy can
be nullified.
This reason cannot be used if the agent/producer
advanced agency funds and the client did not pay
the agency.
??Type of Refund: Full
??Years Eligible for Refund: Current year
??Cancellation Request: Must be received during
the policy year
??Documentation: Bank notice of non-payment
6. Risk Not Eligible for Coverage (TRRP reason 06)
This reason is used to nullify a policy when an
Application was submitted and a policy was
issued on a property not eligible for coverage. A
clear and precise explanation must be included
when submitting this type of cancellation request.
Examples include the following: (1) Property is
CN 3 May 1, 2011
not located in a community participating in the
NFIP. (The use of an incorrect community number
allowed the policy to be issued.) (2) Contents are
not located in an eligible building. (3) Property is
located in a Coastal Barrier Resources System
(CBRS) area.
??Type of Refund: Full
??Years Eligible for Refund: No limit, back to policy
inception
??Cancellation Request: Must be received within 1
year of the policy expiration date
??Documentation: Tax records, Section 1316
declaration, or Coastal Barrier Resources
Act (CBRA) determination, as appropriate, or
photographs showing ineligibility
7. Property Closing Did Not Occur (TRRP reason 08)
This reason is used to nullify a policy when it is
issued for a closing at the time of settlement on a
property and the transfer of the property does not
take place. The client does not actually acquire an
insurable interest in the property.
??Type of Refund: Full
??Years Eligible for Refund: Current year
??Cancellation Request: Must be received during
the policy year
??Documentation: Statement from title company,
lender, or attorney representing the interests
of title company, lender, or insured, that the
property closing did not occur
8. Policy Not Required by Mortgagee (TRRP reason 50)
This provides a means to cancel a policy when
coverage was required by the mortgagee for
a closing and it was later determined that the
property was not located in a Special Flood Hazard
Area (SFHA). As a result, coverage was not required
by the mortgagee. The mortgagee's statement to
this effect must be attached to the Cancellation/
Nullification Request Form.
This cancellation reason can be used only if the
cancellation request was made during the initial
policy term. The cancellation effective date is the
date the cancellation request is received by the
insurer. A revised determination from the lender may
be used to cancel the policy. A Federal Emergency
Management Agency (FEMA) Out-As-Shown
Determination, as a result of a LOMA application,
is needed if there is a discrepancy between the
lender's and the insured's determinations.
NOTE: This cancellation reason may be used even
if the policy was rated in a non-SFHA.
??Type of Refund: Pro rata
??Years Eligible for Refund: Current year
??Cancellation Request: Must be received during
the policy year
??Documentation: Copy of original mandatory
purchase document and current mortgagee
statement that policy is not required; a revised
determination from the lender showing that the
building is not in an SFHA.
9. I nsurance No Longer Required by Mortgagee
Because Property Is No Longer Located in a Special
Flood Hazard Area Because of a Physical Map
Revision (TRRP reason 09)
Flood insurance was initially required by the
mortgagee or other lender because the property
was determined to be in an SFHA. Following the
physical revision of a map, if the property is no
longer located in an SFHA, then the policy may
be canceled provided the mortgagee confirms in
writing that the insurance is no longer required
because the property was removed from the SFHA.
NOTE: The Residential Condominium Building
Association Policy (RCBAP) requires a release
from the mortgagee for each unit owner in
the building or a signed release from each
unit owner when there is no mortgagee. Only
after this requirement is met can the policy be
canceled. The condominium association must
provide a signed letter that lists the number
of units and specifies the owner of each unit.
??Type of Refund: Full
??Years Eligible for Refund: Current year in those
cases where the map was revised during the
current policy term, and for an additional policy
year in those cases where the insured had
been required to renew the policy during the 6
months before or after the effective date of the
revised map, provided no claim has been paid
or is pending during the policy year that is being
canceled. For example, the flood policy was
effective from January 1, 2009, to January 1,
2010, and renewed January 1, 2010, to January
1, 2011. The effective date of the map change
is February 15, 2010. The cancellation will be
effective January 1, 2009.
??Cancellation Request: Must be received during
the policy year or within 6 months of the policy
expiration date
CN 4 May 1, 2011
??Documentation: Statement from mortgagee that
insurance was required as part of mortgage
but is no longer required, and a copy of the
revised map
10. C ondominium Policy (Unit or Association)
Converting to RCBAP (TRRP reason 45)
This provides a means to cancel a dwelling policy
covering a condominium unit because coverage
is being provided under an RCBAP. This reason is
used when the unit owner policy and the RCBAP
limits are more than the cost of the unit, up to the
maximum limits of the Program.
??Type of Refund: A pro-rata premium refund,
including Federal Policy Fee and Probation
Surcharge, is provided.
??Years Eligible for Refund: Up to 6 years
??Cancellation Request: Must be received within 1
year of the policy expiration date
??Documentation: Copy of RCBAP and value of unit
11. T his cancellation reason code has been deactivated.
12. Mortgage Paid Off (TRRP reason 52)
This reason is used to cancel a policy that was
obtained due to a requirement by a mortgagee or
lender as a condition of a mortgage loan, and that
mortgage loan has now been paid off, provided no
claim has been paid or is pending.
??Type of Refund: Pro rata
??Years Eligible for Refund: Current year
??Cancellation Request: Must be received within
6 months of the date the mortgage was paid off
for the cancellation to be effective on the date
of payoff. When the request is received after 6
months, the effective date for cancellation is the
receipt date of the request.
??Documentation: Statement from mortgagee
that mortgage has been paid off and that flood
insurance was required as part of mortgage
13. Voidance Prior to Effective Date (TRRP reason 60)
This reason is used when coverage is not
mandatory and a policyholder decides during the
30-day waiting period, or prior to the effective date
of a renewal, not to take the policy, after submitting
a premium payment.
??Type of Refund: Full
??Years Eligible for Refund: Current year
??Cancellation Request: Must be received prior to
the policy effective date
??Documentation: Policyholder's request
14. Voidance Due to Credit Card Error (TRRP reason 70)
This reason is used when an error or billing dispute
occurs (processing error or fraud) on a credit
card payment.
??Type of Refund: Full
??Years Eligible for Refund: Current year
??Cancellation Request: Must be received during
the policy year
??Documentation: Credit card notice of nonpayment
15. I nsurance No Longer Required Based on FEMA
Review of Lender's Special Flood Hazard Area
Determination (TRRP reason 16)
Flood insurance was initially required by the
mortgagee or other lender because the property
was determined to be in an SFHA. Following a
review under the Flood Disaster Protection Act
of 1973, as amended, FEMA issued a Letter
of Determination Review (LODR) because the
building or manufactured home is not in an SFHA
and insurance is not required. The policy may be
canceled back to inception.
This cancellation reason can be used only if the
request from the borrower and lender was sent to
FEMA for a LODR within 45 days from the lender's
notification to the borrower that the building is in
an SFHA and that flood insurance is required.
??Type of Refund: Full
??Years Eligible for Refund: Current year provided
no claim has been paid or is pending
??_____Cancellation Request: Must be received during
the policy year or within 6 months of the policy
expiration date
??Documentation: Copy of FEMA's LODR, and
statement from the lender that flood insurance
is not required
16. Duplicate Policies from Sources Other Than the
NFIP (TRRP reason 17)
This reason code is used to cancel an NFIP policy
when a duplicate policy has been obtained from
sources other than the NFIP.
??Type of Refund: Pro rata
CN 5 May 1, 2011
??Years Eligible for Refund: Current year
??Cancellation Request: Must be received within
6 months of the new policy effective date. When
the request is received after 6 months, the
effective date for cancellation is the receipt date
of the request.
??Documentation: Copy of declarations page
of the new policy and a statement from the
mortgagee, if any, accepting the non-NFIP policy
as the replacement
17. T his cancellation reason code has been deactivated.
18. Mortgage Paid Off on an MPPP Policy (TRRP
reason 52)
This reason code is used to cancel an MPPP Policy
after the mortgage is paid off, provided no claim
has been paid or is pending.
??Type of Refund: Pro rata
??Years Eligible for Refund: Current year
??Cancellation Request: Must be received within
6 months of the date the mortgage was paid off
for the cancellation to be effective on the date
of payoff. When the request is received after 6
months, the effective date for cancellation is the
receipt date of the request.
??Documentation: Statement from mortgagee
that mortgage has been paid off and that flood
insurance was required as part of mortgage.
19. I nsurance No Longer Required by the Mortgagee
Because the Structure Has Been Removed from
the SFHA by Means of a LOMA or LOMR (TRRP
reason 20)
Where flood insurance was required by the
mortgagee or other lender because the property
was determined to be in an SFHA, and it is later
determined that the property is no longer located
in an SFHA through the issuance of a LOMA or
LOMR, the policy can be canceled provided the
lender confirms in writing that the insurance is no
longer required because the property was removed
from the SFHA. A copy of the LOMA or LOMR must
accompany this request. This cancellation code
cannot be used when a LOMA or LOMR is issued
more than 60 days before the effective date of the
current policy.
NOTE: The RCBAP requires a release from the
mortgagee for each unit owner in the building
or a signed release from each unit owner
when there is no mortgagee. Only after this
requirement is met can the policy be canceled.
The condominium association must provide a
signed letter that lists the number of units and
specifies the owner of each unit.
??Type of Refund: Full
??Years Eligible for Refund: Current year and,
if applicable, 1 prior year provided the LOMA/
LOMR became effective within 60 days before
the current policy's effective date and no claim
has been paid or is pending during the policy year
that is being canceled. For example, the flood
policy was effective from January 1, 2009, to
January 1, 2010, and renewed January 1, 2010,
to January 1, 2011. The effective date of the
LOMA is December 1, 2009. The cancellation
will be effective January 1, 2009.
NOTE: If the LOMA/LOMR is dated more than
60 days prior to the most recent renewal, no
refund will be issued.
??Cancellation Request: Must be received during
the policy year or within 6 months of the policy
expiration date.
??Documentation: Statement from mortgagee that
flood insurance is no longer required because
the property was removed from the SFHA, and
a copy of the LOMA/LOMR; or, in the case of
multi-property LOMAs or LOMRs that do not list
the property's specific building, street address,
lot number, or rural address, any of the following
and a copy of the LOMA/LOMR:
.. A letter that an insured received from their
community official stating that their structure
was removed from the SFHA by a multiproperty
LOMR or LOMA.
.. A letter from the applicable community official,
on official letterhead, stating that the building
was included in the area removed from the
SFHA by the multi-property LOMR or LOMA,
which listed only boundaries/intersections of
streets, lot numbers, or rural addresses.
.. In cases, and only in cases, where (1) a
community official could not or would not
provide a letter, or (2) the structure has a rural
address, the following set of 2 documents
may be submitted:
-- A copy of a legal notice, such as a real
estate assessment notice or a water/sewer
notice, that shows the lot number, street or
rural address, or other legal designation of
the location of the structure; and
-- A letter from the mortgage lender that
(1) shows the lot number, street or rural
CN 6 May 1, 2011
address, or other legal designation of
the location of the structure, and that (2)
states that the structure was within the
boundaries of the area removed from the
SFHA by the LOMR or LOMA.
Letters from community officials must match the
street address and lot number with a specific multiproperty
LOMR or LOMA, stating that the individual
building street address, lot number, or rural
address (e.g., RR, Box #, Hwy) was included in the
area covered by the LOMR or LOMA. The insurer
may accept zone determinations in lieu of the
documentation cited above for these situations.
20. Policy Was Written to the Wrong Facility (Severe
Repetitive Loss Property) (TRRP reason 21)
This reason is used to cancel a policy flat when
coverage was inadvertently written to the wrong
facility on those structures that were identified as
part of the Severe Repetitive Loss Properties. The
cancellation effective date must be the same as
the policy effective date.
??Type of Refund: Full
??Years Eligible for Refund: Current year
??Cancellation Request: Must be received during
the policy year
??Documentation: Report provided by the NFIP
identifying the building as a Severe Repetitive
Loss Property
21. O ther: Continuous Lake Flooding or Closed Basin
Lakes (TRRP reason 10)
This cancellation code is used for continuous lake
flooding or closed basin lakes. The cancellation
can be for only 1 term of a policy. The cancellation
effective date must be after the date of loss.
??Type of Refund: No refund allowed
??Years Eligible for Refund: N/A
??Cancellation Request: N/A
??Documentation: FEMA notification
22. C ancel/Rewrite Due to Misrating (TRRP reason 22)
This reason code is used when ineligible PRPs or
MPPP policies are canceled and rewritten within the
same company and when changes are made due to
system constraints. The code should also be used
to cancel a standard-rated policy that is eligible for
a PRP, including those eligible under the 2-year PRP
Eligibility Extension. Refunds resulting from the
cancellation must be applied to the rewritten policy
prior to any refund being generated. Use New/
Rollover Indicator "Z" to report the new policy.
??Type of Refund: Full
??Years Eligible for Refund: Up to 6 years
??Cancellation Request: N/A
??Documentation: LOMA, LOMR, zone determination,
copy of map, etc.
23. Fraud (TRRP reason 23)
This reason code is used when fraud has been
determined by FEMA. No premium refund is
allowed with this reason code. The agent/producer
will retain the full commission, and the company's
expense allowance will not be reduced.
??Type of Refund: No refund allowed
??Years Eligible for Refund: N/A
??Cancellation Request: N/A
??Documentation: FEMA notification
24. C ancel/Rewrite Due to Map Revision, LOMA, or
LOMR (TRRP reason 24)
This reason code is used to cancel and rewrite
a standard-rated flood insurance policy to a PRP
within the same company as the result of a map
revision, LOMA, or LOMR. The standard-rated
policy will be canceled and rewritten as a PRP.
Use New/Rollover Indicator "Z" to report the new
policy. Premium from the canceled policy will be
applied to the PRP, with the difference refunded
to the policyholder. No 30-day waiting period
will apply to the PRP. The agent/producer will
retain the full commission, and the company's
expense allowance will not be reduced. This rule
applies to the current policy year and 1 prior year
provided that the effective date of the map revision
or LOMA/LOMR occurred during the prior year.
??Type of Refund: Full
??Years Eligible for Refund: 2 years
??Cancellation Request: Must be received during
the policy year or within 6 months of the policy
expiration date
??Documentation: Copy of revised map, LOMA,
or LOMR
CN 7 May 1, 2011
II. COMPLE TING THE CANCELLA TION/
NULL IFICATION RE QUE ST FOR M
A. Current Policy Number
In the upper right corner of the form, enter the NFIP
policy number.
B. Policy Term
Enter the policy term and the cancellation effective
date.
C. Agent Information
Enter the complete name, mailing address, phone
number, and fax number of the agent/producer.
D. Insured Mailing A ddress
Enter the complete name, mailing address, and phone
number of the insured. If the insured has moved to a
new location, enter the new mailing address.
E. First Mortgagee
Enter the complete name, mailing address, phone
number, and fax number of the first mortgagee.
F. Other Parties Notified
Enter the complete name and mailing address of all
other interested parties who are to be notified, such
as any additional insured, the second mortgagee, the
loss payee, trustee, or disaster assistance agency.
G. Property L ocation
Enter the location of the insured property.
H. Cancellation R eason Code
Check the reason for cancellation of the policy and
provide any additional information required.
I. Refund
Check the appropriate box to indicate to whom the
refund is to be made payable.
When a Cancellation/Nullification Request Form is
received that directs the NFIP to make a premium
refund to the PAYOR and the policy has been endorsed
showing the PAYOR as a WYO Company or agency, the
NFIP will make the refund payable to the insured and
mail the refund in care of the agent/producer. Check
the appropriate box to indicate to whom the refund
should be mailed.
J. Signature
The insured must sign and date the cancellation/
nullification request for all cancellation reason codes
except 5, 6, and 22. The agent/producer must sign
and date the cancellation/nullification request for all
cancellation reason codes except 6 and 22.
Electronic transactions are permitted if the business
process includes authentication of signatures and
dates of receipt of premium. WYO Companies are
responsible for determining the business practices and
transaction authentication methods they will use to
ensure the security and integrity of such transactions.
After completing the cancellation request, attach all
required supporting documents and submit them to
the insurer. The agent/producer should retain a copy,
give a copy to the insured, and send a copy to the
mortgagee, if applicable.
After processing the cancellation request, the insurer
will send the agent/producer, mortgagee, and insured
a notice of cancellation.
CN 8 May 1, 2011
Processing O utcomes for Cancellation/Nullification of a F lood Insurance Policy
Reason Code for
Cancellation /
Nullification
(with TRRP Code )
PREMIUM REFUND
FEDERAL POLICY FEE
AND PROBATION SURCHARGE
PRODUCER COMMISSION
(Direct Business Only )
Full Pro Rata Full Refund Pro Rata Fully Earned Full Deduction Pro Rata Retained
1 (01) ? ? ?
2 (02) ? ? ?
3 (03) ? ? ?
4 (04) ? ? ?
5 (05) ? ? ?
6 (06) ? ? ?
7 (08) ? ? ?
8 (50) ? ? ?
9 (09) ? ? ?
10 (45) ? ? ?
12 (52) ? ? ?
13 (60) ? ? ?
14 (70) ? ? ?
15 (16) ? ? ?
16 (17) ? ? ?
18 (52) ? ? ?
19 (20) ? ? ?
20 (21) ? ? ?
21 (10) NO REFUND ALLOWED ? ?
22 (22) ? ? ?
23 (23) NO REFUND ALLOWED ? ?
24 (24) ? ? ?
CN 9 May 1, 2011
CN 10 May 1, 2011
CL 1 May 1, 2011
I. INSURED 'S RE SPONSIBILITIES
A. Filing a Claim
In the event of loss, the insured is required to:
?? Give written notice of loss to the insurer, as soon
as practicable, using the National Flood Insurance
Program (NFIP) Notice of Loss form or similar form;
?? Exhibit all remains of the property, as required;
?? If requested, submit to an examination under oath,
as required;
?? Provide evidence and documentation to substantiate
the loss, as required; and
?? File a Proof of Loss within 60 days of the loss, unless
this requirement is waived by the Federal Emergency
Management Agency (FEMA).
The NFIP has a standard Proof of Loss form that
the adjuster assigned to the loss may provide to
the insured. The adjuster may assist in completion
of the form. However, independent adjusters do
not have the authority either to approve or to deny
claims. Adjusters' recommendations for payment or
denial are not binding on the insurer and are subject
to approval and correction by the insurer staff.
The Proof of Loss form may be waived on claims for
less than $7,500. In this case, the insured will be
required to sign the NFIP Final Report form, which
summarizes the loss and claim figures.
B. Appealing a Claim
Any insured who is dissatisfied with a claim settlement
offered by the insurer should follow the procedures
below, excerpted from the NFIP Flood Insurance Claims
Handbook (F-687).
Addr essing Questions Ab out Your Insur ance
Cl aim
The NFIP provides you with a process to appeal
decisions regarding your flood insurance claim. This
process will help you resolve claim issues, but it cannot
give you added coverage or claim limits beyond those
in your NFIP policy.
In filing and completing your insurance claim, you
may have questions, or need further explanations of
decisions that have been made, especially with regard
to coverage, dollar amount of damages, or your Proof of
Loss. Before you may appeal, your insurer must make
a final determination and send you a written denial of
your claim or any part of it.
Four Steps to App ealing Your Cl aim
Step 1
Talk with your adjuster, who has more knowledge
about your claim than anyone. If you don't understand
certain decisions regarding, for example, application
of coverage, timing of the filing of Proof of Loss, or the
damage estimate, contact your adjuster first.
Step 2
If you are not satisfied with the adjuster's answers, or
do not agree with decisions, get contact information
for the adjuster's supervisor.
Step 3
If the adjuster's supervisor can't resolve your issues,
contact the insurance company's claim representative.
Ask your insurance agent/producer or your insurance
company representative for assistance. Please refer to
your flood policy for more information on appeals; see
General Conditions, Paragraph R.
Step 4
If you still have questions or concerns after following
steps 1 through 3, contact FEMA. Write to:
Federal Emergency Management Agency
Mitigation Directorate
Federal Insurance Administrator
1800 S. Bell St.
Arlington, VA 20598-3010
This letter should be written by the Named Insured (as it
appears on your NFIP policy) or by a legal representative,
if necessary. The representative should clearly identify
his or her rel