文档搜索 > U.S.DepartmentofHomelandS

U.S.DepartmentofHomelandS

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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GeNeral ruleS (continued)



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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aPPlICaTIoN (continued)



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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CoNdoMINIuMS (continued)



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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MorTGaGe PorTfolIo ProTeCTIoN ProGraM (continued)



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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PolICY reNeWalS (continued)



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.



raTe 32 May 1, 2011



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raTe 34 May 1, 2011



raTe 35 May 1, 2011



raTe 36 May 1, 2011



raTe 37 May 1, 2011



raTe 38 May 1, 2011



raTe 39 May 1, 2011



,



raTe 40 May 1, 2011



raTe 41 May 1, 2011



raTe 42 May 1, 2011



raTe 43 May 1, 2011



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