U.S. Department of Homeland Security 500 C Street SW Washington, DC 20472 July 2009 Dear Flood Insurance Manual Subscribers: As we move forward to improve the National Flood Insurance Program (NFIP), it is my goal to ensure that you have up-to-date information so you can assist your customers in securing the best flood insurance protection available for their individual needs. Revisions have been made to the NFIP Flood Insurance Manual that will become effective October 1, 2009. All of the changes are shown on the enclosed amended pages, and related footers have been modified to reflect the October 1, 2009, effective date. The significant revisions include the following: • Updates to the list of NFIP Bureau and Statistical Agent Regional Offices (REF Section). • Addition of requirement to record the presentment of premium date and payer on all new business applications and money endorsements in connection with loan closings (GR Section). • Increases to the standard deductibles from $1,000 to $2,000 for Pre-FIRM policies in Special Flood Hazard Areas (SFHAs) and from $500 to $1,000 for Pre-FIRM policies in non-SFHAs and all Post-FIRM-rated policies (RATE and CONDO Sections). • Elimination of the $500 deductible for all policies (RATE, CONDO, and PRP Sections). • Increases to the rates for policies written or renewed on or after October 1, 2009 (RATE and CONDO Sections). • Increases to the Building Basic Limits from $50,000 to $60,000 for Single Family Dwelling/2-4 Family Dwelling buildings, and from $150,000 to $175,000 for Other Residential/Non-Residential buildings (RATE and CONDO Sections). • Increases to the Contents Basic Limits from $20,000 to $25,000 for Residential contents, and from $130,000 to $150,000 for Non-Residential contents (RATE and CONDO Sections). • Expansion of building types to include elevated on crawlspace and non-elevated with subgrade crawlspace (RATE, CONDO, and PRP Sections). www.fema.gov Flood Insurance Manual Subscribers July 2009 Page 2 • Optional rating to allow Pre-FIRM buildings with a basement, enclosure, or crawlspace in Unnumbered A Zones to use Post-FIRM rates if the rates are more favorable to the insured (RATE Section). • Changes to the Flood Insurance Application, PRP Application, and General Change Endorsement forms and their instructions to capture additional building information. Changes also include the capture of additional community information for policies rated using the grandfathering rule (APP, PRP, and END Sections). • Updates to include the 2009 edition of the Elevation Certificate and Non-Residential Floodproofing Certificate (CERT Section). • Addition of two building diagrams and related building drawings (LFG Section). • Introduction of the new Leased Federal Property Section to provide guidance for properties leased from the Federal Government identified as being 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 (LFP Section). • Updates to 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 Change Record Page Effective Date: October 1, 2009 Updates to the NFIP Flood Insurance Manual are distributed semiannually. Each change is highlighted by a vertical bar in the margin of the page. The effective date of each page is shown in the bottom right corner. Pages bearing the new effective date but no change bar simply indicate that text has shifted from one page to another. Please keep this Change Record Page in your manual for reference. Remove i-xv REF 3-6 GR 1-4, 7-14 APP 1-11 RATE 1-16, 19-22, 29-32 RATE 41-42, 49-63 CONDO 5-31 LFG 1-59 CERT 1-4, 9-37 PRP 1-10 MPPP 1-2 END 3-14 MAP 1-2 CRS 1-28 — IND 1-5 Insert i-xv REF 3-6 GR 1-4, 7-15 APP 1-12 RATE 1-16, 19-22, 29-32 RATE 41-42, 49-63 CONDO 5-31 LFG 1-68 CERT 1-4, 9-42 PRP 1-10 MPPP 1-2 END 3-14 MAP 1-2 CRS 1-28 LFP 1-6 IND 1-5 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 2 A. WYO Companies ................................................................................................. REF 2 B. NFIP Servicing Agent (NFIP Direct) ..................................................................... REF 2 C. Special Direct Facility ........................................................................................... REF 2 IV. CONTACT INFORMATION A. NFIP Servicing Agent Contact Information .......................................................... REF 3 B. NFIP General Contact Information ....................................................................... REF 4 C. NFIP Regional Offices .......................................................................................... REF 5 PAPERWORK BURDEN DISCLOSURE NOTICE................................................................ REF 7 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 2 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 VI. INELIGIBLE PROPERTY ............................................................................................. GR 6 i October 1, 2009 TABLE OF CONTENTS (Continued) SECTION PAGE 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. Evidence of Insurance.......................................................................................... GR 8 B. Start of Waiting Period ......................................................................................... GR 8 C. Presentment of Premium Date Requirements ..................................................... GR 8 D. 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 14 C. Provisional Rates ................................................................................................. GR 14 D. Buildings in More Than One Flood Zone ............................................................. GR 14 E. Different Base Flood Elevations (BFEs) Reported............................................... GR 14 F. Flood Zone Discrepancies ................................................................................... GR 14 XI. MISCELLANEOUS RULES .......................................................................................... GR 14 A. Policy Term .......................................................................................................... GR 14 B. Application Submission ........................................................................................ GR 14 C. Delivery of the Policy ............................................................................................ GR 14 D. Assignment........................................................................................................... GR 14 E. Producers’ Commissions (Direct Business Only) ................................................ GR 15 F. Contract Agent Rule ............................................................................................. GR 15 APPLICATION ............................................................................................................................ APP1 I. USE OF THE FORM .................................................................................................... APP 1 II. BUILDING DESCRIPTION ........................................................................................... APP 1 III. SCHEDULED BUILDING POLICY ............................................................................... APP 1 IV. COMPLETING PART 1 OF THE FLOOD INSURANCE APPLICATION FORM ......... APP 1 A. Policy Status ......................................................................................................... APP 1 B. Policy Term (Billing/Policy Period) ....................................................................... APP 1 C. Agent Information ................................................................................................. APP 2 D. Insured Mail Address ........................................................................................... APP 2 E. Disaster Assistance.............................................................................................. APP 2 F. Property Location ................................................................................................. APP 2 G. First Mortgagee .................................................................................................... APP 2 ii October 1, 2009 TABLE OF CONTENTS (Continued) SECTION PAGE H. Second Mortgagee Or Other ................................................................................ APP 2 I. Community Rating Map Information .................................................................... APP 2 J. Current Community Map Information ................................................................... APP 3 K. State-Owned Property and Buildings on Federal Land ...................................... APP 3 L. Building ................................................................................................................. APP 3 M. Contents ............................................................................................................... APP 6 N. Construction Data ................................................................................................ APP 5 O. Coverage and Rating ........................................................................................... APP 6 P. Signature .............................................................................................................. APP 7 V. COMPLETING PART 2 OF THE FLOOD INSURANCE APPLICATION FORM ......... APP 7 Section I - All Building Types ........................................................................................ APP 8 Section II - Elevated Buildings ...................................................................................... APP 8 Section III - Manufactured (Mobile) Homes/Travel Trailers .......................................... APP 8 VI. MAILING INSTRUCTIONS ........................................................................................... APP 8 VII. HANDLING OF INCOMPLETE OR INCORRECT APPLICATIONS ............................ APP 9 RATING ...................................................................................................................................... RATE 1 I. AMOUNT OF INSURANCE AVAILABLE ..................................................................... RATE 1 II. RATE TABLES ............................................................................................................. RATE 1 III. DEDUCTIBLES ............................................................................................................ RATE 12 A. Buy-Back Deductibles .......................................................................................... 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 17 A. Basic Limits and Additional Limits ........................................................................ RATE 17 B. Whole Dollars ....................................................................................................... RATE 17 C. Increased Cost of Compliance (ICC) Premium .................................................... RATE 17 D. Federal Policy Fee ............................................................................................... RATE 17 E. Buildings in More Than One Flood Zone ............................................................. RATE 17 F. Different Base Flood Elevations (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 18 C. Optional Elevation Rating..................................................................................... RATE 19 IX. PRE-FIRM ELEVATED BUILDING RATED AT PRE-FIRM RATES ............................ RATE 19 X. AR ZONE AND AR DUAL ZONE RATING ................................................................... RATE 19 iii October 1, 2009 TABLE OF CONTENTS (Continued) SECTION PAGE XI. POST-FIRM AO ZONE RATING .................................................................................. RATE 19 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 20 D. 1981 Post-FIRM V Zone Construction ................................................................. RATE 20 E. Elevated Buildings--Post-FIRM V Zone Construction .......................................... RATE 20 XIV. SPECIAL RATING SITUATIONS ................................................................................. RATE 21 A. Tentative Rates .................................................................................................... RATE 21 B. Alternative Rates .................................................................................................. RATE 21 C. Map "Grandfather" Rules--Effect of Map Revisions on Flood Insurance Rates .. RATE 22 D. Post-’81 V Zone Optional Rating.......................................................................... RATE 23 E. Policies Requiring Re-Rating ............................................................................... RATE 23 F. Submit-for-Rate .................................................................................................... RATE 24 G. 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 30 A. Procedure for Calculating Wave Height Adjustment ............................................ RATE 30 B. Wave Heights in Numbered Zones V1-V30 and VE 1981 Post-FIRM Construction ... RATE 30 C. Unnumbered V Zones 1981 Post-FIRM Construction ......................................... RATE 31 D. Rate Selection Procedure .................................................................................... RATE 31 XVII. FLOODPROOFED BUILDINGS ................................................................................... RATE 31 A. Elevation Difference ............................................................................................. RATE 31 B. Rating ................................................................................................................... RATE 31 XVIII.THE V-ZONE RISK FACTOR RATING FORM ............................................................ RATE 32 A. Use ..................................................................................................................... RATE 32 B. Submission ........................................................................................................... RATE 32 XIX. RATING EXAMPLES .................................................................................................... RATE 49 CONDOMINIUMS ..................................................................................................................... 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. Other Residential Condominium: Condominium Association Policy, Association Coverage on Building and Contents ............................................... CONDO 1 D. Nonresidential (Commercial) Condominium: Building and Contents .................. CONDO 2 E. Nonresidential (Commercial) Condominium: Unit Owner's Coverage (Contents) ........................................................................................................... CONDO 2 II. POLICY FORM ............................................................................................................. CONDO 6 III. ELIGIBILITY REQUIREMENTS ................................................................................... CONDO 6 iv May 1, 2009 TABLE OF CONTENTS (Continued) SECTION PAGE A. General Building Eligibility .................................................................................... CONDO 6 B. Condominium Building in the Course of Construction ......................................... CONDO 6 IV. COVERAGE ................................................................................................................. CONDO 6 A. Property Covered ................................................................................................. CONDO 6 B. Coverage Limits ................................................................................................... CONDO 7 C. Replacement Cost................................................................................................ CONDO 7 D. Coinsurance ......................................................................................................... CONDO 7 E. Assessment Coverage ......................................................................................... CONDO 7 V. DEDUCTIBLES AND FEES ......................................................................................... CONDO 8 A. Deductibles ........................................................................................................... CONDO 8 B. Federal Policy Fee ............................................................................................... CONDO 8 VI. TENTATIVE RATES AND SCHEDULED BUILDINGS ................................................ CONDO 8 VII. COMMISSIONS (DIRECT BUSINESS ONLY) ............................................................. CONDO 8 VIII. CANCELLATION OR ENDORSEMENT OF UNIT OWNERS' DWELLING POLICIES .................................................................... CONDO 8 IX. APPLICATION FORM .................................................................................................. CONDO 8 A. Type of Building ................................................................................................... CONDO 8 B. Replacement Cost Value .................................................................................... CONDO 8 C. Coverage .............................................................................................................. CONDO 9 D. Rates and Fees .................................................................................................... CONDO 9 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 C. Elevated Buildings in V Zones ............................................................................. LFG 2 II. USE OF ELEVATION CERTIFICATE .......................................................................... LFG 2A A. Mandatory Use of Elevation Certificate ................................................................ LFG 2A B. Guidelines for Determining the Conversion from NGVD 1929 to NAVD 1988 .... LFG 2A C. Optional Rating Using the Elevation Certificate ................................................... LFG 2A III. SPECIFIC BUILDING DRAWINGS .............................................................................. LFG 8 SPECIAL CERTIFICATIONS ..................................................................................................... CERT 1 I. NFIP ELEVATION CERTIFICATE ............................................................................... CERT 1 II. PHOTOGRAPH REQUIREMENTS .............................................................................. CERT 1 III. USING THE ELEVATION CERTIFICATE: SPECIAL CONSIDERATIONS ................ CERT 2 Section A - Property Information .................................................................................. CERT 2 Section B - Flood Insurance Rate Map (FIRM) Information ......................................... CERT 2 Section C - Building Elevation Information (Survey Required) .................................... CERT 2 Section D - Surveyor, Engineer, or Architect Certification ........................................... CERT 3 v October 1, 2009 TABLE OF CONTENTS (Continued) SECTION PAGE Section E - Building Elevation Information (Survey Not Required) for Zone AO and Zone A (Without BFE) ................................................................................................ CERT 3 Section F - Property Owner (or Owner's Representative) Certification........................ CERT 3 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 4 D. Certification .......................................................................................................... CERT 4 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 LIMITS ..................................................................................................... PRP 2 VII. REPLACEMENT COST COVERAGE .......................................................................... PRP 2 VIII. DISCOUNTS/FEES/ICC PREMIUM ............................................................................. PRP 2 IX. DEDUCTIBLES ............................................................................................................ PRP 2 X. ENDORSEMENTS ....................................................................................................... PRP 6 XI. CONVERSION OF STANDARD RATED POLICY TO PRP DUE TO MISRATING ..... PRP 6 XII. CONVERSION OF STANDARD RATED POLICY TO PRP DUE TO MAP REVISION, LOMA, OR LOMR .......................................................................... PRP 6 XIII. CONVERSION OF PRP TO STANDARD RATED POLICY ........................................ PRP 6 XIV. COMPLETING THE FLOOD INSURANCE PREFERRED RISK POLICY APPLICATION ............................................................. PRP 6 A. Policy Status ......................................................................................................... PRP 6 B. Policy Term .......................................................................................................... PRP 6 C. Agent Information ................................................................................................. PRP 7 D. Insured’s Mailing Address .................................................................................... PRP 7 E. Disaster Assistance.............................................................................................. PRP 7 F. First Mortgagee .................................................................................................... PRP 7 G. Second Mortgagee or Other ................................................................................. PRP 7 H. Property Location ................................................................................................. PRP 7 I. Community ........................................................................................................... PRP 7 J. Building and Contents .......................................................................................... PRP 8 K. Notice ................................................................................................................... PRP 8 L. Premium ............................................................................................................... PRP 8 M. Signature .............................................................................................................. PRP 8 vi October 1, 2009 TABLE OF CONTENTS (Continued) SECTION PAGE MORTGAGE PORTFOLIO PROTECTION PROGRAM ............................................................ MPPP 1 I. BACKGROUND ............................................................................................................ MPPP 1 II. REQUIREMENTS FOR PARTICIPATING IN THE MPPP ........................................... MPPP 2 A. General................................................................................................................. MPPP 2 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 E. Eligibility ............................................................................................................... MPPP 3 F. Source of Offering ................................................................................................ MPPP 3 G. Dual Interest ......................................................................................................... MPPP 3 H. Term of Policy ...................................................................................................... MPPP 3 I. Coverage Offered ................................................................................................. MPPP 3 J. Policy Form .......................................................................................................... MPPP 4 K. Waiting Period ...................................................................................................... MPPP 4 L. Premium Payment ................................................................................................ MPPP 4 M. Underwriting--Application ..................................................................................... MPPP 4 N. Rates .................................................................................................................... MPPP 4 O. Policy Declaration Page Notification Requirements ............................................. MPPP 4 P. Policy Reformation--Policy Correction ................................................................. MPPP 5 Q. Coverage Basis--Actual Cash Value or Replacement Cost................................. MPPP 5 R. Deductible ............................................................................................................ MPPP 5 S. Federal Policy Fee ............................................................................................... MPPP 5 T. Renewability ......................................................................................................... MPPP 5 U. Cancellations ........................................................................................................ MPPP 6 V. Endorsement ........................................................................................................ MPPP 6 W. Assignment to a Third Party ................................................................................. MPPP 6 X. Article XIII--Restriction on Other Flood Insurance ............................................... MPPP 6 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 RevisionEND 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 Last 90 Days of Policy Term .................................................................... END 2 B. During 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 TABLE OF CONTENTS (Continued) SECTION PAGE 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 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 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 Mail Address ........................................................................................... CN 7 E. First Mortgagee .................................................................................................... CN 7 F. Other Parties Notified ........................................................................................... CN 7 G. Property Location ................................................................................................. CN 7 H. Cancellation Reason Code .................................................................................. CN 8 I. Refund .................................................................................................................. CN 8 J. Signature .............................................................................................................. CN 8 CLAIMS ...................................................................................................................................... CL 1 I. INSURED'S RESPONSIBILITIES ................................................................................ CL 1 A. Filing a Claim........................................................................................................ CL 1 B. Appealing a Claim ................................................................................................ CL 1 II. PRODUCER'S RESPONSIBILITIES ............................................................................ CL 3 III. SINGLE ADJUSTER PROGRAM IMPLEMENTATION ............................................... CL 3 A. Schedule and Notification .................................................................................... CL 3 B. Training ................................................................................................................ CL 4 C. Producer Responsibilities ..................................................................................... CL 4 IV. INCREASED COST OF COMPLIANCE (ICC) CLAIMS .............................................. CL 4 POLICY ...................................................................................................................................... POL 1 DWELLING FORM: SUMMARY OF SIGNIFICANT CHANGES, DECEMBER 2000 ........................................... POL 2 I. AGREEMENT ............................................................................................................... POL 3 II. DEFINITIONS ............................................................................................................... POL 3 TABLE OF CONTENTS (Continued) SECTION PAGE III. PROPERTY COVERED ............................................................................................... POL 5 IV. PROPERTY NOT COVERED ...................................................................................... POL 10 V. EXCLUSIONS .............................................................................................................. POL 11 VI. DEDUCTIBLES ............................................................................................................ POL 12 VII. GENERAL CONDITIONS ............................................................................................. POL 12 VIII. LIBERALIZATION CLAUSE ......................................................................................... POL 20 IX. WHAT LAW GOVERNS ............................................................................................... POL 20 CLAIM GUIDELINES IN CASE OF A FLOOD ...................................................................... POL 21 GENERAL PROPERTY FORM: SUMMARY OF SIGNIFICANT CHANGES, DECEMBER 2000 ............................................ POL 22 I. AGREEMENT ............................................................................................................... POL 23 II. DEFINITIONS ............................................................................................................... POL 23 III. PROPERTY COVERED ............................................................................................... POL 25 IV. PROPERTY NOT COVERED ...................................................................................... POL 30 V. EXCLUSIONS .............................................................................................................. POL 31 VI. DEDUCTIBLES ............................................................................................................ POL 32 VII. GENERAL CONDITIONS ............................................................................................. POL 32 VIII. LIBERALIZATION CLAUSE ......................................................................................... POL 39 IX. WHAT LAW GOVERNS ............................................................................................... POL 39 CLAIM GUIDELINES IN CASE OF A FLOOD ...................................................................... POL 40 RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY: SUMMARY OF SIGNIFICANT CHANGES, DECEMBER 2000 ............................................ POL 42 I. AGREEMENT ............................................................................................................... POL 43 II. DEFINITIONS ............................................................................................................... POL 43 III. PROPERTY COVERED ............................................................................................... POL 45 IV. PROPERTY NOT COVERED ...................................................................................... POL 50 V. EXCLUSIONS .............................................................................................................. POL 50 ix May 1, 2008 TABLE OF CONTENTS (Continued) SECTION PAGE VI. DEDUCTIBLES ............................................................................................................ POL 51 VII. COINSURANCE ........................................................................................................... POL 52 VIII. GENERAL CONDITIONS ............................................................................................. POL 53 IX. LIBERALIZATION CLAUSE ......................................................................................... POL 60 X. WHAT LAW GOVERNS ............................................................................................... POL 60 CLAIM GUIDELINES IN CASE OF A FLOOD ...................................................................... POL 61 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 2 A. Special Flood Hazard Areas (SFHAs) ................................................................. MAP 2 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 3 A. Letter of Map Amendment (LOMA) ...................................................................... MAP 3 B. Letter of Map Revision (LOMR) ........................................................................... MAP 3 C. Physical Map Revision ......................................................................................... MAP 3 V. ORDERING FLOOD MAPS .......................................................................................... MAP 4 A. Ordering Instructions ............................................................................................ MAP 4 B. Prices ................................................................................................................... MAP 4 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 2 A. General Directions ............................................................................................... PR 2 B. Guidance for Determining Building Elevated on Fill ............................................ PR 2 VI. PROVISIONAL RATING EXAMPLE ............................................................................ PR 4 x May 1, 2008 TABLE OF CONTENTS (Continued) SECTION PAGE 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............. CRS 1 ELIGIBLE COMMUNITIES .................................................................................................... CRS 2 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 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 INDEX ...................................................................................................................................... IND 1 xi October 1, 2009 LIST OF TABLES SECTION/TABLE PAGE REFERENCE NFIP Servicing Agent Contact Information for NFIP Direct Program Agents ........................ REF 3 NFIP General Contact Information for All NFIP Stakeholders ............................................... REF 4 NFIP Bureau and Statistical Agent Regional Offices ............................................................. REF 5 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 Rates ............................ RATE 9 Table 5. Regular Program--Pre-FIRM and Post-FIRM Elevation-Rated Rates ................. RATE 10 Table 6. Precalculated Pre-FIRM Premium Table for Single-Family Dwellings................. 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 RelativitiesTable .................................................................. RATE 33 CONDOMINIUMS Table 1. Condominium Underwriting Guidelines ................................................................ CONDO 3 Table 2. Condominium Rating Chart .................................................................................. CONDO 4 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-- 1981 Post-FIRM V1-V30, VE Zone 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 5 PREFERRED RISK POLICY The PRP at a Glance ............................................................................................................ PRP 1 Preferred Risk Policy Condominium Rating Chart ................................................................ PRP 3 PRP Coverages Available Effective May 1, 2008 ................................................................. PRP 4 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 LIST OF TABLES (Continued) SECTION/TABLE PAGE CANCELLATION/NULLIFICATION Processing Outcomes for Cancellation/Nullification of a Flood Insurance Policy .................. CN 9 FLOOD MAPS MSC Products, Services, and Fees ...................................................................................... MAP 5 COASTAL BARRIER RESOURCES SYSTEM List of Communities ................................................................................................................ CBRS 3 COMMUNITY RATING SYSTEM CRS Premium Discounts ....................................................................................................... CRS 1 Eligible Communities .............................................................................................................. CRS 2 GUIDANCE FOR LEASED FEDERAL PROPERTIES Tentative Rates Table ............................................................................................................ LFP 3 LIST OF ILLUSTRATIONS SECTION/ILLUSTRATION PAGE APPLICATION Flood Insurance Application - Part 1 ..................................................................................... APP 11 Flood Insurance Application - Part 2 ..................................................................................... APP 12 RATING V-Zone Risk Factor Rating Form and Instructions ................................................................. RATE 35 LOWEST FLOOR GUIDE Lowest Floor Determination Guide ......................................................................................... LFG 3 SPECIAL CERTIFICATIONS Residential Basement Floodproofing Certificate ................................................................... CERT 7 Floodproofing Certificate for Non-Residential Structures ...................................................... CERT 9 Elevation Certificate and Instructions – 2009 Edition ............................................................ CERT 11 Elevation Certificate and Instructions – 2006 Edition ............................................................ CERT 27 PREFERRED RISK POLICY Flood Insurance Preferred Risk Policy Application ............................................................... PRP 9 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 10 POLICY Standard Flood Insurance Policy - Dwelling Form ................................................................ POL 3 Standard Flood Insurance Policy - General Property Form .................................................. POL 23 Standard Flood Insurance Policy - Residential Condominium Building Association Policy ................................................................................................................................... POL 43 FLOOD MAPS Sample Flood Insurance Rate Map (FIRM) .......................................................................... MAP 7 Sample Flood Hazard Boundary Map (FHBM) ..................................................................... MAP 8 LIST OF ILLUSTRATIONS (Continued) SECTION/ILLUSTRATION PAGE 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 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 Policy Notification Letter .......................................................................................... LFP 4 Sample Agent Notification Letter .......................................................................................... LFP 5 Sample Lender Notification Letter ........................................................................................ LFP 6 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— that is, the NFIP Servicing Agent. Agents/producers who write with the NFIP Write Your Own (WYO) Program must submit materials and questions to their 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 pages RATE 24-25) 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 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 Covansys 13401 W. 98th St. Lenexa, KS 66215 N/A *Telecommunication Device for the Deaf (TDD) 1-800-447-9487 NFIP GENERAL CONTACT INFORMATION FOR ALL NFIP STAKEHOLDERS TOPIC MAIL, E-MAIL & 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 1-800-358-9616 Fax 1-800-358-9620 FEMA Information Resource Library, Multimedia http://www.fema.gov/library/index.jsp N/A 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 1-800-358-9616 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 Avenue, Suite 600 Alexandria, VA 22304 femamapspecialist@mapmodteam.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 1-800-358-9616 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.nfipbureau.fema.gov/training/index.html N/A Watermark & e-Watermark Newsletters http://www.fema.gov/business/nfip/wm.shtm; http://watermark.nfipstat.com/index.htm N/A Write Your Own (WYO) Companies, List of http://www.fema.gov/nfipInsurance/companies.jsp Phone 1-800-480-2520 (item 073, “The Choice Is Yours”) *Telecommunication Device for the Deaf (TDD) 1-800-447-9487 NATIONAL FLOOD INSURANCE PROGRAM BUREAU AND STATISTICAL AGENT REGIONAL OFFICES The National Flood Insurance Program's 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 Statistical Agent and FEMA regional offices is available at http://www.fema.gov/about/contact/regions.shtm. NFIP BUREAU AND STATISTICAL AGENT REGIONAL OFFICES Region I 260 Franklin St., Suite 300 Boston, MA 02110 Phone: 857-383-3854 Fax: 617-542-3301 Region II P.O. Box 7342 Penndel, PA 19047 Phone: 267-560-5057 Fax: 267-560-5057 Region III P.O. Box 7342 Penndel, PA 19047 Phone: 267-560-5057 Fax: 267-560-5057 Region IV P.O. Box 1046 Zephyrhills, FL 33539-1049 Phone: 813-788-2624 Fax: 813-788-2710 Region V 100 S. Wacker Dr. Suite 500 Chicago, IL 60606 Phone: 312-596-6728 Fax: 312-939-4198 NFIP BUREAU AND STATISTICAL AGENT REGIONAL STAFF Tom Gann Regional Manager tgann@ostglobal.com Walter McGuckin Regional Manager wmcguckin@ostglobal.com Walter McGuckin Regional Manager wmcguckin@ostglobal.com Lynne Magel Regional Manager lmagel@ostglobal.com Richard Roths Regional Manager rroths@ostglobal.com SERVICE AREA Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island,Vermont New Jersey, New York, Puerto Rico, Virgin Islands Delaware, District of Columbia, Maryland, Pennsylvania, Virginia, West Virginia Alabama, Georgia, Kentucky, Mississippi, North Carolina, South Carolina, Tennessee, Florida Illinois, Indiana, Michigan, Minnesota, Ohio, Wisconsin NFIP BUREAU AND NFIP BUREAU AND SERVICE AREA STATISTICAL AGENT STATISTICAL AGENT REGIONAL OFFICES REGIONAL STAFF Region VI P.O. Box 50173 Denton, TX 76205 Phone: 940-808-0190 Fax: 940-808-0190 Region VII 8300 College Blvd., Suite 200 Overland Park, KS 66210 Phone: 913-344-1194 Fax: 913-344-1011 Region VIII 999 18th Street, Suite 900 Denver, CO 80202 Phone: 303-299-7873 Fax: 303-293-8585 Region IX 1333 Broadway, Suite 800 Oakland, CA 94612-1942 Phone: 510-874-1755 Fax: 510-874-3268 Region X 1501 4th Ave., Suite 1400 Seattle, WA 98101 Phone: 206-438-2607 Fax: 206-438-2699 James DeWhitt Regional Manager jdewhitt@ostglobal.com Monique Pilch Regional Manager mpilch@ostglobal.com Erin May Regional Manager emay@ostglobal.com Adam Lizarraga Regional Manager alizarraga@ostglobal.com Mark Lujan Regional Manager mlujan@ostglobal.com Arkansas, Louisiana, New Mexico, Oklahoma, Texas Iowa, Kansas, Missouri, Nebraska Colorado, Montana, North Dakota, South Dakota, Utah, Wyoming Arizona, California, Guam, Hawaii, Nevada Alaska, Idaho, Oregon, Washington 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. 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 Rate Map (FIRM) - The official map 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, 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 a Flood Hazard Boundary Map (FHBM) or Flood Insurance Rate Map (FIRM) delineating its flood-prone 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 Leased Federal Property must be actuarily rated. This includes buildings that the Administrator determines are 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. 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 three SFIP forms are reproduced in the Policy section of this manual. The table on the next page shows how agents can use the three SFIP forms to insure a variety of residential and non-residential building and contents risks. Matching Standard Flood Insurance Policy Forms with Specific Risks SFIP FORM ELIGIBILITY Dwelling Form Issued to homeowner, residential renter, or owner of residential building containing one to four units. In NFIP Regular Program community or Emergency Program community, provides building and/or contents coverage for: . Detached, single-family, non-condominium residence with incidental occupancy limited to less than 50% of the total floor area; . Two- to four-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 five 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: . Hotel or motel with normal guest occupancy of 6 months or more; . Tourist home or rooming house with five or more lodgers; . Apartment building; . Residential cooperative building; . Dormitory; . Assisted-living facility. 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. B. Insurance Products 1. Preferred Risk Policy The Preferred Risk Policy (PRP) is available in moderate-risk flood zones B, C, and X. Formerly, only single-family and two- to four-family dwellings were eligible for coverage. Other residential and non-residential buildings became eligible for coverage effective May 1, 2004. Greatly expanded coverage options for residential and nonresidential buildings are effective May 1, 2008. Information about coverage options and eligibility requirements for the Preferred Risk Policy 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 Company. GR 2 October 1, 2009 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 cancelled. However, an applicant may purchase a regular Standard Flood Insurance Policy 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 two 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 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. The SFIP does not cover any detached garage used or held for use for residential (i.e., 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 one or more sections, and affixed to a permanent foundation); or . 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. 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 a Special Flood Hazard Area must be anchored to a permanent foundation to resist flotation, collapse, or lateral movement by providing over-the-top 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" instructions in the Rating section for insurance on Post-FIRM buildings located entirely in, on, or over water or seaward of mean high tide for these buildings. 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. 6. Buildings Partially Over Water Follow “submit for rate” instructions 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 the rate, and receives the premium. However, buildings in existence prior to October 1, 1982, may continue to be rated using the published rate. 8. Buildings in the Course of Construction 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 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. To determine the eligibility of a residential condominium building under construction, see page CONDO 6 in this manual. 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 the 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 actual cash value, 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 policy contract 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 two 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. Time Sharing 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 actual cash value 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 GR 7 May 1, 2008 5. Motorcycles--Including Dealer's Stock (assembled or not) 6. Motorized Equipment--Including Dealer's Stock (assembled or not) C. Non-Residential Condominium Unit The owner of a non-residential condominium unit cannot purchase 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 A. 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 Certificates of Insurance for renewal policies. B. Start of Waiting Period There is a standard 30-day waiting period for new applications and for endorsements to increase coverage. 1. If the application or endorsement form and the premium payment are received at the NFIP 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 waiting period 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 certified mail, 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 at the NFIP after 10 days from the 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 waiting period will be calculated from the date the NFIP receives the application or endorsement. As used in VIIl.B.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 NFIP insurer. Bear in mind that third-party delivery services deliver to street addresses but cannot deliver to U.S. Postal Service post office boxes. C. Presentment of Premium Date Requirements for Loan Closing FEMA requires the Write-Your-Own companies and the NFIP Servicing Agent to record the presentment of premium date, the closing date, and the premium payer (insured, lender, title company, settlement attorney, etc.). The NFIP rules allow the policy to be effective at closing provided that the coverage is applied for and the presentment of premium is made at or before the closing. 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, regardless of when the check is received by the writing company. If the premium payment is not part of the closing, the closing date is the effective date only if the application date and check date or credit card payment date are on or before the closing date and the payment is received by the company within 10 days from the application date or prior to the closing date. D. Effective Date 1. New Policy (other than 2, 3, or 4 below) 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 effective date of coverage is subject to the waiting period rule listed under B.1 or B.2 above. 2. New Policy (in connection with making, increasing, extending, or renewing a loan, whether conventional or otherwise) 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 and the presentment of premium is made at or prior to the loan closing. (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.) This rule applies to all buildings regardless of flood zone. The waiting period rule listed under B.1 or B.2 applies 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. 3. New Policy (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 a Special Flood Hazard Area (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 payment of premium. (Example: presentment of premium and application date--April 3, policy effective date--April 3.) The waiting period rule listed under B.1 or B.2 must be used. 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 (when the initial purchase of flood insurance is in connection with the revision or updating of a Flood Hazard Boundary Map or Flood Insurance Rate Map) During the 13-month period beginning on the effective date of the map revision, the effective date of a new policy shall be 12:01 a.m., local time, following the day after the application date and the presentment of premium. This rule only applies where the Flood Hazard Boundary Map (FHBM) or Flood Insurance Rate Map (FIRM) is revised to show the building to be in a Special Flood Hazard Area (SFHA) when it had not been in a SFHA. (Example: FIRM revised--January 1, 2009, policy applied for and presentment of premium--August 3, 2009, policy effective date--August 4, 2009.) The waiting period rule listed under B.1 or B.2 above must be used. This rule applies to all property owners including 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. 5. New Policy (in connection with the purchase of an RCBAP) When a condominium association is purchasing a Residential Condominium Building Association Policy (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 waiting period rule listed under B.1 or B.2 applies 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 application) With three 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 three exceptions are as follows. First, there is no waiting period if the initial purchase of flood insurance on a submit-for-rate application is in connection with making, 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 waiting period rule listed under B.1 or B.2 applies 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. Second, the 30-day waiting period does not apply when flood insurance is required as a result of a lender determining that a loan which 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 payment 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 waiting period rule listed under B.1 or B.2 above does not apply. 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. Third, 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 Flood Hazard Boundary Map (FHBM) or Flood Insurance Rate Map (FIRM) is revised to show the building to be in an SFHA when it had not been in an SFHA. The waiting period rule listed under B.1 or B.2 must be applied. 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 Standard to PRP) The 30-day waiting period does not apply when an insured decides to rewrite the existing policy at the time of renewal from Standard to a Preferred Risk Policy (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 policy using the highest of building and contents coverage. In those cases where the Standard policy has only one kind of coverage, either building or contents only, the 30-day waiting period applies. 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 Standard 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. Community Participation Date (community's initial entry or conversion from Emergency to Regular Program) Process according to rules 1 through 9 above and 11 below. 11. Endorsements With two exceptions (described below), 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 waiting period rule listed under B.1 or B.2 above must be used. The two exceptions are as follows. First, during the 13-month period beginning on the effective date of a map revision, the effective date of an endorsement of an existing policy shall be 12:01 a.m., local time, following the day after the application date and the presentment of 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 waiting period rule listed under B.1 or B.2 above does not apply. Second, 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, 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 and the presentment of additional premium is made at or prior to the loan closing. The waiting period rule listed under B.1 or B.2 applies unless the premium payment was made from the escrow account (lender’s check), title company, or settlement attorney. 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. 12. Renewals 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 is generated at least 30 days before renewal with coverage more than the inflation increase option, the new limits will apply at policy 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. 13. Renewals with higher PRP limits The waiting period does not apply to a renewal offer to the insured for the next higher limits available under the PRP. 14. Renewals 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 maximum limits of coverage available under the Program phase in which the community is participating. Duplicate policies are not allowed. B. Deductibles Deductibles apply separately to building coverage and to contents coverage. C. Coverage D -Increased Cost of Compliance (ICC) Coverage For all new and renewal policies effective on or after May 1, 2003, the ICC limit of liability is $30,000. The Standard Flood Insurance Policy (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 nonresidential 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. GR 11 October 1, 2009 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: a. Be a repetitive loss structure as defined, for which 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 floodplain management law or ordinance being enforced against the structure; OR b. 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 two 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 Asso ciation Policy (RCBAP), section VIII, paragraph G. The property must be insured using the correct SFIP form in order for these two exceptions to apply. The two 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 have 30 days to pay the additional premium due, or 60 days to obtain additional information and then 30 days to pay the additional premium due, for the remainder of the policy 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 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 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-Special Flood Hazard Area, Zone X, and at the time of the loss the property is determined to be located in Zone AE, then the claim is paid in accordance with the coverage limitations applicable to Zone AE. E. Loss Assessments The SFIP 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 does not provide assessment coverage. The Dwelling Form provides assessment coverage only under the circumstances, and to the extents, described below. 1. No RCBAP . 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. . 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 . 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 assessment coverage under the Dwelling Form will pay that part of a loss that exceeds 80 percent of the association’s building replacement cost. . The loss assessment coverage under the Dwelling Form will not cover the association’s policy deductible purchased by the condominium association. . 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 building coverage limit under the Dwelling Form. 3. RCBAP Insured to Less than 80 Percent of the Building Replacement Cost . 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. . The covered damages to the condominium association building must be greater than 80 percent of the building replacement cost at the time of loss GR 13 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 “D. Assessment Coverage” on page CONDO 7 and Section III. C. 3. of the Dwelling Form, “Condominium Loss Assessments,” on page POL 8. F. Improvements and Betterments and Tenant’s Coverage Under the Standard Flood Insurance Policy, 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 coverage 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: . Requires that the tenant purchase insurance coverage for the tenant’s improvements and betterments that are made or acquired; and . 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 one 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 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 October 1, 2009 information and full premium payment are received by the NFIP. 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 (see Tentative Rates on page RATE 21). B. Submit-For-Rate Some risks, because of their unique underwriting characteristics, cannot be rated using this manual. Certain risks must be submitted to the NFIP Underwriting Unit to determine the appropriate rate. Refer to page GR 9 for the applicable waiting period. Submit-for-rate policies must be rerated annually using the newest rates. If the NFIP Direct or WYO company does not have all the underwriting information, it must request the missing information from the insured in order to properly rate the risk. Pre-FIRM risks may not be rated using the submit-for-rate process except for buildings with subgrade crawlspaces as described on page RATE 25, paragraph G. C. Provisional Rates Rules applicable to provisionally rated policies are provided in the Provisional Rating section of this manual. D. Buildings in More Than One Flood Zone Buildings, not the land, located in more than one flood zone must be rated using the more hazardous zone. This condition applies even though the portion of the building located in the more hazardous zone may not be covered under the SFIP, such as a deck. E. Different Base Flood Elevations (BFEs) Reported When the BFE shown on a Flood Zone Determination Company’s form is different than the BFE shown on the property owner’s Elevation Certificate, the BFE shown on the Elevation Certificate must be used to rate the policy. F. Flood Zone Discrepancies When presented with two different flood zones, use the more hazardous flood zone for rating unless the building qualifies for the grandfathering rule (see XIV.C. on page RATE 22). XI. MISCELLANEOUS RULES 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 presentment of premium must be mailed promptly to the NFIP. The date of receipt of premium for the NFIP insurer is determined by either the date received at its offices or the date of certified mail. In the context of submission of applications, endorsements, and premiums to the NFIP, the term “certified mail” has been broadened to include not only the U.S. Postal Service but also certain third-party delivery services. For details, see the paragraph following VIII.B.2. on page GR 8. 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 NFIP insurer more than 10 days from the application date. The date of certification becomes the date of receipt at the NFIP. C. Delivery of the Policy The producer is responsible for delivering the declarations page and the policy contract of a new policy to the insured and, if appropriate, to the lender. Renewal policy documentation is sent directly to the insured. D. Assignment A property owner's flood insurance building policy may be assigned in writing to a purchaser of the insured property upon transfer of title without the written consent of the NFIP. Policies on buildings in the course of construction and policies insuring contents only may not be assigned. E. Producers' Commissions (Direct F. Contract Agent Rule Business Only) The earned commission may be paid only to property or casualty insurance 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 building and contents policy was separately written. For calculation of commission on an RCBAP, see the CONDO section. A “Contract Agent” is an employee of a WYO Company, or an agent under written contract with 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 or employee’s receipt of the premium and completion of the application. An agent under written contract to a WYO Company is not a Contract Agent if the WYO Company reserves the right to reject the risk. The effective date for a policy not written through a Contract Agent has a waiting period that begins on the WYO Company’s receipt of the premium and completed application. 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 or employee. APPLICATION I. USE OF THE FORM The NFIP Flood Insurance Application form, or a similar form for WYO companies, must be used for all flood insurance policies except the Preferred Risk Policy. This section includes important guidance to carry out the regulatory intent and instructions on the 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. BUILDING DESCRIPTION For purposes of the NFIP, distinctions have been made among the following building types: . Building Occupancy - Single family - 2-4 family - Other residential - Non-residential (including hotel/motel) . Basement, Enclosure, Crawlspace - None - Finished Basement/Enclosure - Unfinished Basement/Enclosure - Crawlspace - Subgrade Crawlspace . Number of floors in entire building - 1 - 2 - 3 or more - Split level - Townhouse/Rowhouse (RCBAP lowrise only) - Manufactured (mobile) home on foundation, including doublewide or travel trailer . Elevated building 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. For Post-FIRM buildings in V Zones, elevated on solid perimeter foundation walls, submit the Application to the NFIP Bureau’s Underwriting Department for rating. III. SCHEDULED BUILDING POLICY 1. To obtain a Scheduled Building Policy, an Application must be completed for each building and/or contents for which coverage is requested. 2. For each scheduled building (building and/or contents coverage), the Federal Policy Fee is $35.00 per building. 3. All Flood Insurance Application forms must be completed in accordance with all Flood Insurance Manual rules and the Scheduled Building Policy qualifications. 4. If requesting a Scheduled Building Policy, indicate Building #1, Building #2, etc., in the upper right corner of each Application. Staple together the Applications as a single unit. IV. 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 In the upper right corner of the form, check the appropriate box to indicate if the application is for a NEW policy or a RENEWAL of an existing policy. If the application is for a renewal, enter the current 10-digit NFIP policy number. B. Policy Term (Billing/Policy Period) Check the appropriate box to indicate who should receive the renewal bill. If BILL FIRST MORTGAGEE is checked, complete "First Mortgagee" section. If BILL SECOND MORTGAGEE, BILL LOSS PAYEE, or BILL OTHER is checked, provide mailing instructions in 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 to the date of application listed in the "Signature" section. The standard waiting period is 30 days. NOTE: Refer to the General Rules section, page GR 9-10, for exceptions to the standard waiting period. C. Agent Information Enter the producer’s name, agency name and number, address, city, state, ZIP Code, telephone number, and fax number. Enter the producer’s Tax I.D. Number. D. Insured Mail 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 one building at the property location, see "H. Property Location" in the next column 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. 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 Mail Address" section. Leave the rest of the section blank unless there is more than one building at the property location. If more than one building is at the location of the insured property, use the "Property Location" section to specifically identify the building. An example would be where five buildings with the APP 2 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 insured buildings to assist the NFIP in matching the policy number to the specific building insured. A clear description of the insured’s property is important. If NO, provide 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. G. First Mortgagee Enter the name, mailing address, city, state, ZIP Code, telephone number, and fax number of the first mortgagee. Enter the loan number. If not available at the time of application, the loan number should be added to the policy by submitting a General Change Endorsement form. For condominium association applications, the mortgagees for the individual condominium unit owners must not be entered here. The General Property Form and RCBAP provide coverage for the entire building and the real property elements, including all units within the building and the improvements within the units. H. Second Mortgagee, Loss Payee or Other Identify additional mortgagees by checking the appropriate box and entering the loan number, the mortgagee's name, mailing address, telephone number, and fax number. For condominium associations, follow the appropriate instructions provided under “F. First Mortgagee.” If more than one 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. Provide the disaster assistance case number. I. Community Rating Map Information Enter the map information that will be used for rating. Enter name of the county or parish where the property is located. October 1, 2009 NOTE: The mailing address may or may not reflect the community where the property is located. Do not rely on the mailing address when determining community status and identification. Because of possible changes in the Flood Insurance Rate Map (FIRM), do not rely on information from a prior policy. 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 one panel (i.e., a flat map), the community number will consist of only six digits. Use the FIRM in effect and that has been published at the time of presentment of premium and completion of application. NOTE: Not all communities that have been assigned NFIP community numbers are participating in the National Flood Insurance Program. Policies may not be written in nonparticipating communities. Community number and status may be obtained by calling the NFIP insurer, by consulting a local community official, or by checking the NFIP Community Status Book online (http://www.fema.gov/fema/csb.shtm). Enter the FIRM zone in the space provided. If the program type is Emergency, leave this area blank. Check if the community is in the Regular Program or Emergency Program. 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). Determine whether the community is located in a Coastal Barrier Resource System (CBRS) or Otherwise Protected Area. See CBRS section for additional information. J. Current Community Map Information Complete this section only if the grandfathering rule is being applied. Check YES if grandfathering; otherwise check NO. If YES: . Check whether the building was built in compliance or has had continuous coverage. . Enter the prior policy number if grand-fathering for continuous coverage. . Enter the current community identification number, map panel number, suffix, FIRM zone, and, if applicable, the BFE. K. State-Owned Property and Buildings on Federal Land 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. L. Building Complete all required information in this section. . Building Occupancy Indicate the type of occupancy for the building (i.e., single family, 2-4 family, other residential, or non-residential). . Basement/Enclosure/Crawlspace/Subgrade Crawlspace Indicate whether the building contains a basement (i.e., lowest floor below ground on all sides). If an enclosure is the lowest floor for rating, use the "With Basement/ Enclosure/Crawlspace/Subgrade Crawlspace" Rate Table to determine the rate. (See Crawlspace on page RATE 25.) If the enclosure/crawlspace is not the lowest floor for rating, use the “Without Basement/ Enclosure/Crawlspace/Subgrade Crawlspace” Rate Table and describe the building as “Without Basement/Enclosure/Crawlspace/ Subgrade Crawlspace.” In Post-FIRM rated A zones, this means that the enclosure was designed with proper openings. In Post-FIRM V zones constructed before October 1, 1981, the enclosure is less than 300 square feet with breakaway walls and no machinery or equipment in the enclosure is below the BFE. . 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 type is a townhouse/rowhouse being covered under an RCBAP, check "Townhouse/Rowhouse (RCBAP Lowrise Only)." If the building is a manufactured (mobile) home or travel trailer on a foundation, check "Manufactured (Mobile) Home on Foundation" regardless of the building’s size. Dimensions of manufactured (mobile) homes and travel trailers are used only for determining replacement cost eligibility, not for rating. . Number of Occupancies (Units) For other than single family dwellings, indicate the number of units. . Condominium Form of Ownership Check YES if the building is under a Condominium Form of Ownership; otherwise check NO. (A homeowners association [HOA] may differ from a condominium form of ownership.) Refer to pages CONDO 8-9 for rating guidelines. . Condo 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 For a Residential Condominium Building Association Policy (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. . Estimated Replacement Cost Using normal company practice, estimate the replacement cost value and enter the value in the space provided. Include the cost of the building foundation when determining the replacement cost value. . Insured's Principal Residence Indicate whether the building is the policyholder's principal residence. . Building in Course of Construction Indicate whether the building is in the course of construction. . Building Walled and Roofed Indicate whether the building is walled and roofed. (See Building definition on page DEF 1.) . Elevated Building Indicate whether this is an elevated building. If it is, also indicate, in the next block, whether the area below the lowest elevated floor is free of obstruction or with obstruction. For all elevated buildings using elevation for rating, complete Part 2 on the back of the Flood Insurance Application after you have completed Part 1. . Buildings Over Water Check NO if the building is not located over water. If building is located over water, indicate partially or entirely. (See Buildings Over Water on page GR 4.) . Describe Building and Use For other than 1-4 family dwellings, describe the insured building and its use. This includes manufactured (mobile) homes and travel trailers, other residential structures, and non-residential buildings. 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. M. Contents Check the box that describes the location of the contents to be insured. Describe any contents that are not personal property household contents. If only building insurance is to be purchased, be sure to notify the applicant of the availability of contents insurance. 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. N. Construction Data 1. Construction Date Check one of the five blocks in the first part of this section, and enter the appropriate date for the date of construction or building permit date. (For substantial improvement, see the “Substantial Improvement Exception” instructions that follow.) In the Emergency Program, provide the month/day/year of construction. If the month and day are unknown, enter July 1 (07/01) and enter the best information for the year of construction. The rest of the sections should be left blank. If the building was constructed or substantially improved on or before December 31, 1974, or before the effective date of the initial FIRM for the community, the building is considered Pre-FIRM construction. Otherwise, the building is considered Post-FIRM. If the building was substantially improved, enter the actual month, day, and year that substantial improvement started or the building permit date. If the building was substantially damaged, enter the actual month, day, and year that substantial damage occurred. Substantial improvement includes buildings that have incurred “substantial damage” regardless of the actual repair work performed. The agent must obtain and submit a statement from a community official before the building can be considered substantially damaged. If the policy is for a manufactured (mobile) home or travel trailer located outside a manufactured (mobile) home park or subdivision, enter the date of permanent placement of the manufactured (mobile) home. See the Rating section of this manual for rules for manufactured (mobile) homes located in manufactured (mobile) home parks and subdivisions. Compare the date of construction or substantial improvement with the effective date of the initial FIRM to determine if the building was constructed Pre- or Post- the effective date of the initial FIRM. . Substantial Improvement Exception For new applications, renewal applications, and endorsements when making a rating correction concerning a substantial improvement to a Pre-FIRM building where the improvement is an addition to the building and it meets the conditions of Pre-FIRM construction, found on pages RATE 15-16 of this manual, the producer should complete the Construction Data section of the Application as follows: a. Enter the date of construction for the Pre-FIRM part of the building (not the date of construction of the addition). This date will be shown as the construction date on the declarations page. b. Do not respond to the question IS BUILDING POST-FIRM CONSTRUCTION? Instead, complete the top part of this section as follows: "Substantial Improvement but continues to be Pre-FIRM." c. Supply the elevation data for the ADDITION. d. Complete the remainder of both parts of the Construction Data section in the usual manner. If a policyholder elects to use the normal Post-FIRM rating for substantial improvement, the producer must complete Part 2 of the Application as indicated. . Post-FIRM Construction Check YES if the building is Post-FIRM construction or substantially improved; otherwise check NO. 2. Elevation Information Elevation information must be completed in the second part of the Construction Data section. . Building Diagram Number and Lowest Adjacent Grade Provide the building diagram number and lowest adjacent grade from the Elevation Certificate (EC). NOTE: Elevation Certificates certified on or after April 1, 2010, must be submitted on the 2009 EC form (OMB expiration 2012). The EC must meet all of the photograph requirements that are described on pages CERT 1-2 of this manual. An EC submitted without the required photographs is not considered valid for rating. The lowest adjacent grade is not required for buildings without estimated BFE located in AO and unnumbered A and V zones. Policies rated using the Floodproofing Certificate do not require either the lowest adjacent grade or the diagram number. 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. . Elevation Certification Enter the elevation certification date for all new business applications. . Elevation Information for Buildings in the Course of Construction 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. The NFIP requires the agent to describe and rate the structure based on the proposed plans. Building photographs are not required. Buildings in the course of construction are to be rated the same as completed construction. A renewal application and a new EC with required building photographs must be submitted at renewal time. For example, if the building is elevated and the proposed plans show an enclosure, the building must be described as elevated with an enclosure. The only exception is when an EC was prepared in the course of construction, and the surveyor was able to provide all as-built elevation information required on the EC. . Lowest Floor Elevation and Related Items Use the building diagrams on pages CERT 23-25 to determine the correct lowest floor. See pages LFG 1-7 for information about determining the lowest floor for rating. When entering elevation data, drop hundredths of a foot and show only tenths of a foot. For example, if the elevation difference is 10.49’, enter 10.4’; do not round up to 10.5’. . Wave Height Adjustment In Zones V, V1-V30, and VE, if NO is checked for the question about Effects of Wave Action, refer to pages RATE 30-31 for guidelines for FIRMS with wave heights. . Floodproofing If YES is checked for Floodproofed and the FIRM zone entered in the Community section of the Application is V, V1-V30, or VE, the Application must be submitted to the NFIP for underwriting and rating. For all other zones, refer to pages RATE 31-32 for elevation difference and rating guidelines. To receive credit for floodproofing, the completed floodproofing 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 of the community’s floodproofing eligibility and their rescission date, but not on or after the rescission date. (See pages CERT 5-6 for a list of communities approved for residential basement floodproofing.) O. Coverage and Rating . Deductible and Deductible Buyback Enter the deductible amount for building and/or contents. Also indicate whether the applicant is “buying back” a $1000 deductible. Refer to page RATE 12 to buy back a $1000 deductible. (See deductible factors on pages RATE 13 and CONDO 22.) . Coverage Check desired coverage against the “Amount of Insurance Available” table on page RATE 1. Then enter the limits. . 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. . Rate Type Select rate type. Note that a new rate type, Leased Federal Property (LFP), has been added. (For more information on Leased Federal Property, see LFP Section.) . Community Rating System Effective May 1, 2008, the Community Rating System (CRS) discount is not available on NFIP policies for Post-FIRM structures located in a Special Flood Hazard Area (SFHA) where the lowest floor elevation used for rating is at least 1 foot or more below the Base Flood Elevation (BFE), with the exception of (1) Post-FIRM V-Zone buildings with unfinished breakaway wall enclosures and machinery or equipment at or above the BFE, and (2) subgrade crawlspaces with certification. The subgrade crawlspace exception must be certified by a community official letter containing the following statement: "I certify that the building located at [address] has a crawlspace that was built in compliance with the NFIP requirements for crawlspace construction as outlined in FEMA Technical Bulletin 11-01, ‘Crawlspace Construction for Buildings Located in Special Flood Hazard Areas.” P. Signature The producer must sign the Application and is responsible for the completeness and accuracy of the information provided on it. Enter the date of application (month/day/year). The waiting period is added to this date to determine the policy effective date of the policy listed in the Policy Term section. A check or money order for the Total Prepaid Amount, payable to the NFIP, must accompany 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, American Express, Discover, or Diners Club will also be acceptable if a disclaimer form, signed by the insured, is 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 producer, the producer may sign the authorization form on behalf of the payor only after having read the disclaimer to the payor. V. COMPLETING PART 2 OF THE FLOOD INSURANCE APPLICATION FORM After completing Part 1 of the Flood Insurance Application, the producer must complete all relevant items in Part 2 of the Application for the following risks: . Post-FIRM construction located in Zones A1-A30, AE, AH, AO, A, V1-V30, VE, and V. . Pre-FIRM construction using optional Post- FIRM rating located in Zones A1-A30, AE, AH, AO, A, V1-V30, VE, and V. Part 2 of the Application collects information about risk factors affecting the building, occupancy information, and elevation data relative to the ground level. A completed Elevation Certificate must be attached to the Application before sending it to the NFIP. To complete Part 2 of the Application, the producer must: . Obtain all necessary information from the applicant. Then select the building diagram that best illustrates the applicant's building. These diagrams are shown in the Elevation Certificate and Instructions, which are reproduced in the Special Certifications section of this manual. . Transcribe the information from the applicant and Elevation Certificate onto Part 2 of the Application. For renewal applications, enter the policy number in the space at the top of the form. Be sure to have the applicant or the applicant's representative sign and date the bottom of the form. The applicant or the applicant's representative must complete all numbered sections of the form, check all appropriate boxes, provide all information, and respond to all YES/NO questions that are applicable to the building. (For example, Section II should be completed only for Elevated Buildings.) SECTION I—ALL BUILDING TYPES 1. The number of the building diagram selected is entered here. Use the diagrams shown at the end of the Elevation Certificate and Instructions. 2.-4.The agent may obtain the requested elevation information from Section C of the Elevation Certificate, or the applicant or the applicant’s representative may provide this information. If the applicant or the applicant’s representative furnishes these measurements, they must be taken with a ruler or tape measure. All measurements are rounded to the nearest foot using the ground (grade) immediately next to the building. NOTE: The terms "grade" and "ground" are used interchangeably. The intent is that man-made alterations of the grade, such as a declining driveway into a building or a dugout entrance to a basement, do not represent ground level. 5. If "OTHER" is checked in Question 5b, a brief description of the source must be provided. 6. If the answer to Question 6a is NO, Question 6b should be disregarded. 7. If the answer to Question 7a is NO, Questions 7b, 7c, 7d, and 7e should be ignored. SECTION II—ELEVATED BUILDINGS If the building is a manufactured (mobile) home/travel trailer that has been elevated, complete this section in addition to Sections I and III. APP 8 8. Check the type of foundation used for the building. 9. If YES is checked, check the appropriate item(s). 10. Refer to page LFG 1 to verify that the area below the elevated floor satisfies the definition of an enclosed area. If Question 10a is NO, do not answer Questions 10b through 10f. In Question 10b, enter the size of the area in square feet. If Question 10c is YES, check the single most appropriate of boxes 1-4. In Question 10d, check YES if the area is constructed with openings (excluding doors), within 1 foot of adjacent grade, to allow the passage of flood waters. Enter the number of openings and their total area in square inches. If Question 10e is YES, provide a description. In Question 10f, check YES if the enclosed area/garage has more than 20 linear feet of finished wall, paneling, etc; otherwise, check NO. SECTION III—MANUFACTURED (MOBILE) HOMES/TRAVEL TRAILERS 11. Fill in 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. If OTHER is checked, describe the anchoring system. 15. Check the appropriate box for 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. VI. MAILING INSTRUCTIONS After completing all sections on the Application, attach all required certifications or other October 1, 2009 documents to the applicant's check, draft, or money order, payable to the NFIP for the Total Prepaid Amount. A credit card payment by VISA, MasterCard, American Express, Discover, or Diners Club will also be acceptable if a disclaimer form, signed by the insured, is 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 producer, the 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 Application with the Total Prepaid Amount to the NFIP. Distribute copies of the Application to the agency file, 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-ofpurchase requirements. After receipt of the Application and total prepaid amount, the NFIP will process the Application and issue the policy. The policy contract and declarations page will be mailed to the insured. Copies of the declaration page will be mailed to the producer and mortgagee(s). VII. HANDLING OF INCOMPLETE OR INCORRECT APPLICATIONS If an Application is not complete, or if the information presented on the Application is not correct, the Application will not be processed but will be placed in a pending file until the completed or corrected information is provided by the producer. For the NFIP direct business, if the missing information is not provided, a policy will be issued using Tentative Rates. If insufficient information is available to tentatively rate the policy, the flood insurance will be rejected and the premium remittance refunded. For NFIP direct business, in the case of incomplete applications, the NFIP Servicing Agent will send the producer a transmittal document and a letter requesting the incomplete or missing information. Copies of this letter will be provided to the named insured and mortgagee(s). The producer should provide the additional or corrected information to the NFIP Servicing Agent along with the transmittal document. Since coverage cannot be conferred in excess of the coverage that can be purchased for the amount presented (received by the NFIP), it is important that underpayment errors be corrected immediately. In the case of an underpayment, when both building and contents coverage have been requested, the coverage reduction will 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. This page intentionally left blank. RATING This section contains information, including rate tables, required to accurately rate a 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. 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. I. AMOUNT OF INSURANCE AVAILABLE Examples of some rating situations are shown on pages RATE 49 through RATE 63. A premium table for single family Pre-FIRM buildings located in Special Flood Hazard Areas (SFHAs) is located on page RATE 11. These premiums were calculated using Rate Table 2. This premium table is included in this manual to help the agent more easily quote premiums for buildings that do not require elevation certification. BUILDING COVERAGE Single Family Dwelling 2-4 Family Dwelling Other Residential Non-Residential EMERGENCY PROGRAM REGULAR PROG RAM Basic Insurance Limits AdditionalInsurance Limits Total Insurance Limits $ 35,000 * $ 35,000 * $100,000** $100,000** $ 60,000 $ 60,000 $175,000$175,000 $190,000 $190,000 $ 75,000 $325,000 $250,000 $250,000 $250,000 $500,000 CONTENTS COVERAGE Residential Non-Residential $ 10,000 $100,000 $ 25,000 $150,000 $ 75,000 $350,000 $100,000 $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 RCBAP, refer to CONDO Section for basic insurance limits and maximum coverage available. II. RATE TABLES Rate tables are provided for the Emergency $100 of coverage. Table 6 provides Program and for the Regular Program according precalculated Pre-FIRM premiums for various to Pre-FIRM, Post-FIRM, and zone coverage limits. See Table 7 for Federal Policy classifications. Tables 1-5 show annual rates per Fee and Probation Surcharge. TABLE 1. EMERGENCY PROGRAM RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) Building Contents Residential .76 .96 Non-Residential .83 1.62 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 CONTENTS LOCATION No Basement/Enclosure .76 / .57 .96 / 1.03 .76 / .57 .76 / 1.19 .76 / .99 .81 / 1.25 .76 / 1.19 .83 / 1.14 .88 / 1.12 .88 / 1.41 .83 / 1.14 With Basement .81 / .84 .96 / .86 .81 / .84 .81 / 1.02 With Enclosure .81 / 1.02 .96 / 1.03 Elevated on Crawlspace .76 / .57 .96 / 1.03 .76 / .57 Non-Elevated with Subgrade Crawlspace Manufactured (Mobile) Home3 Basement & Above4 .76 / .57 .76 / .57 .96 / .86 .96 / 1.03 .76 / .57 .96 / .86 .96 / 1.03 .96 / 1.03 .76 / 1.19 .96 / .86 .96 / 1.03 .83 / 1.14 .83 / 1.14 1.62 / 1.92 1.62 / 2.30 1.62 / 1.01 Enclosure & Above5 Lowest Floor Only - Above Ground Level .96 / 1.03 Lowest Floor Above Ground Level and Higher Floors .96 / .71 .96 / .71 1.62 / .86 Above Ground Level - More than One Full Floor .35 / .13 .35 / .13 .24 / .13 Manufactured (Mobile) Home3 1.62 / 1.01 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 CONTENTS LOCATION No Basement/Enclosure .99 / 1.48 1.23 / 2.54 .99 / 1.48 1.23 / 2.14 .99 / 2.74 1.06 / 4.09 1.06 / 4.57 .99 / 2.74 1.23 / 2.14 1.23 / 2.53 1.10 / 2.84 1.16 / 4.23 1.16 / 4.72 1.10 / 2.84 2.14 / 5.00 2.14 / 5.39 2.14 / 4.52 With Basement 1.06 / 2.21 1.23 / 2.14 1.06 / 2.21 1.06 / 2.61 With Enclosure 1.06 / 2.61 1.23 / 2.53 Elevated on Crawlspace Non-Elevated with Subgrade Crawlspace Manufactured (Mobile) Home3 Basement & Above4 .99 / 1.48 .99 / 1.48 .99 / 6.11 1.23 / 2.54 1.23 / 2.14 1.23 / 2.53 .99 / 1.48 .99 / 1.48 .99 / 2.74 1.10 / 2.84 1.10 / 10.49 Enclosure & Above5 Lowest Floor Only - Above Ground Level 1.23 / 2.53 1.23 / 2.53 1.23 / 2.53 Lowest Floor Above Ground Level and Higher Floors 1.23 / 2.23 1.23 / 2.23 2.14 / 3.90 Above Ground Level - More than One Full Floor .47 / .32 .47 / .32 .45 / .43 Manufactured (Mobile) Home3 2.14 / 9.80 FIRM ZONES A99, B, C, X Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the initial Flood Insurance Rate Map (FIRM). If FIRM Zone is unknown, use rates for Zones A, AE, A1-A30, AO, AH, D. 2 Pre-FIRM buildings with subgrade crawlspaces that are below the Base Flood Elevation (BFE) may use optional Post-FIRM elevation rating. Follow the procedures from the Specific Rating Guidelines for policy processing. 3 The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. 4 Includes subgrade crawlspace. 5 Includes crawlspace. 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 .78 / .21 1.20 / .37 .78 / .21 .74 / .21 .74 / .21 With Basement .89 / .30 1.36 / .43 .89 / .30 .95 / .30 .95 / .30 With Enclosure .89 / .34 1.36 / .49 .89 / .34 .95 / .34 .95 / .34 Elevated on Crawlspace .78 / .21 1.20 / .37 .78 / .21 .74 / .21 .74 / .21 Non-Elevated with Subgrade Crawlspace .78 / .21 1.20 / .37 .78 / .21 .74 / .21 .74 / .21 Manufactured (Mobile) Home1 .78 / .38 1.20 / .37 .95 / .39 CONTENTS LOCATION Basement & Above5 1.53 / .56 1.53 / .56 1.58 / .61 Enclosure & Above6 1.53 / .65 1.53 / .65 1.58 / .73 Lowest Floor Only - Above Ground Level 1.20 / .59 1.20 / .59 .97 / .43 Lowest Floor Above Ground Level and Higher Floors 1.20 / .37 1.20 / .37 .97 / .31 Above Ground Level - More than One Full Floor .35 / .12 .35 / .12 .22 / .12 Manufactured (Mobile) Home1 .85 / .53 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 1.11 / .38 1.11 / .69 1.11 / .38 1.20 / .69 1.20 / .69 With Basement *** *** *** *** *** With Enclosure *** *** *** *** *** Elevated on Crawlspace 1.11 / .38 1.11 / .69 1.11 / .38 1.20 / .69 1.20 / .69 Non-Elevated with Subgrade Crawlspace 1.11 / .38 1.11 / .69 1.11 / .38 1.20 / .69 1.20 / .69 Manufactured (Mobile) Home1 1.45 / .75 1.31 / .80 2.49 / .93 CONTENTS LOCATION Basement & Above5 *** *** *** Enclosure & Above6 *** *** *** Lowest Floor Only - Above Ground Level 1.11 / .69 1.11 / .69 1.95 / .62 Lowest Floor Above Ground Level and Higher Floors 1.11 / .47 1.11 / .47 1.95 / .59 Above Ground Level - More than One Full Floor .35 / .12 .35 / .12 .24 / .12 Manufactured (Mobile) Home1 1.95 / .62 FIRM ZONES AO, AH (No Basement/Enclosure/Crawlspace/Subgrade Crawlspace Buildings Only)2 Building Contents OCCUPANCY 1-4 Family Other Res & Non-Res Residential Non-Residential With Certification of Compliance3 .28 / .08 .23 / .08 .37 / .13 .23 / .13 Without Certification of Compliance or Elevation Certificate4 .93 / .21 1.01 / .36 1.17 / .24 1.97 / .31 1 The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. 2 Zones AO, AH Buildings With Basement/Enclosure/Crawlspace/Subgrade Crawlspace: Submit for Rating 3 “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. 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. 5 Includes subgrade crawlspace. 6 Includes crawlspace. ***SUBMIT FOR RATING 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/ Crawlspace4 More than One Floor No Basement/Enclosure/ Crawlspace4 More than One Floor With Basement/ Enclosure/Crawlspace4 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 .24 / .08 .20 / .08 +3 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .25 / .08 .22 / .08 +2 .39 / .08 .26 / .08 .25 / .08 .20 / .08 .25 / .08 .20 / .08 .43 / .08 .34 / .08 +1 .69 / .09 .46 / .10 .47 / .08 .29 / .08 .31 / .08 .25 / .08 .88 / .09 .72 / .08 0 1.43 / .11 1.32 / .12 1.04 / .10 .80 / .15 .74 / .09 .60 / .16 2.25 / .11 1.83 / .09 -13 3.80 / 1.39 5.39 / 1.35 3.34 / 1.21 3.65 / .62 1.90 / .67 1.75 / .70 *** *** -2 *** *** *** *** *** *** *** *** FIRM ZONES AE, A1-A30 --CONTENTS RATES Elevation of Lowest Floor Lowest Floor Only – Above Ground Level (No Basement/Enclosure/ Crawlspace4) Lowest Floor Above Ground Level & Higher Floors (No Basement/Enclosure/ Crawlspace4) More than One Floor With Basement/Enclosure/ Crawlspace4 Manufactured (Mobile) Home2 Above or Below BFE1 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 / .12 +3 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 +2 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .31 / .14 +1 .52 / .12 .32 / .18 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .55 / .14 .49 / .19 0 1.24 / .12 .78 / .39 .69 / .12 .53 / .24 .41 / .12 .32 / .12 1.14 / .15 1.13 / .19 -13 3.74 / .75 2.41 / 1.10 2.11 / .58 1.61 / .70 .60 / .14 1.06 / .14 *** *** -2 *** *** *** *** *** *** *** *** FIRM ZONES AE, A1-A30 --CONTENTS RATES Elevation of Lowest Floor Above Ground Level More than One Full Floor Above or Below BFE1 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 .37 / .12 .24 / .12 1 If Lowest Floor is –1 because of attached garage, submit application for special consideration. Rate may be lower. 2 The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. 3 Use Submit-for-Rate guidelines if either the enclosure below the lowest elevated floor of an elevated building or thecrawlspace (under-floor space) that has its interior floor within 2 feet below grade on all sides, which is used for rating, is 1 ormore feet below BFE. 4 Includes subgrade crawlspace. *** SUBMIT FOR RATING RATE 4 October 1, 2009 TABLE 3C. REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) UNNUMBERED ZONE A --WITHOUT BASEMENT/ENCLOSURE/CRAWLSPACE1,6 Elevation Difference to nearest foot BUILDING RATES CONTENTS RATES TYPE OF ELEVATION CERTIFICATE Occupancy Occupancy 1-4 Family Other & Non-Residential Residential2 Non-Residential2 +5 or more .35 / .10 .47 / .15 .61 / .12 .64 / .12 NO ESTIMATED BASE FLOOD ELEVATION3 +2 to +4 1.08 / .13 .99 / .20 .86 / .17 .97 / .23 +1 2.07 / .63 2.23 / .74 1.52 / .56 1.45 / .71 0 or below *** *** *** *** +2 or more .40 / .08 .33 / .09 .50 / .12 .48 / .12 WITH THE ESTIMATED BASE FLOOD ELEVATION4 0 to +1 1.05 / .12 .90 / .18 .84 / .16 .83 / .21 -1 3.45 / 1.29 4.37 / 1.01 2.68 / .69 2.18 / 1.01 -2 or below *** *** *** *** No Elevation Certificate5 4.02 / 1.41 5.45 / 1.68 3.33 / .99 3.21 / 1.34 No Elevation Certificate 1 Zone A building with basement/enclosure/crawlspace/subgrade crawlspace – Submit for Rating. 2 For elevation rated risks other than Single Family, when contents are located one floor or more above lowest floor used for rating – use .35 /.12. 3 Elevation difference is the measured distance between the highest adjacent grade next to the building and the lowest floor of the building. 4 Elevation difference is the measured distance between the estimated BFE provided by the community or registered professional engineer, surveyor, or architect and the lowest floor of the building. 5 For building without basement, enclosure, or crawlspace, Elevation Certificate is optional. 6 Pre-FIRM buildings with basement/enclosure/crawlspace/subgrade crawlspace may use this table if the rates are more favorable to the insured. *** SUBMIT FOR RATING 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/Encl/ Crawlspace5 More than One Floor, No Basement/Encl/ Crawlspace5 More than One Floor, With Basement/Encl/ Crawlspace5 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 03 2.55 / .46 3.09 / 1.20 2.07 / .46 2.24 / 1.12 1.79 / .46 2.00 / .91 3.83 / .38 5.47 / .34 -14 5.45 / 2.79 8.13 / 4.48 4.99 / 2.79 7.00 / 3.41 3.54 / 2.53 3.71 / 3.46 *** *** -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/Encl/ Crawlspace5) Lowest Floor Above Ground Level & Higher Floors (No Basement/Encl/ Crawlspace5) More than One Floor With Basement/Enclosure/ Crawlspace5 Manufactured (Mobile) Home2 Residential Non-Residential Residential Non-Residential Residential Non-Residential Single Family Non-Residential 03 3.96 / .55 3.50 / 2.56 2.57 / .61 2.44 / 1.53 1.45 / .55 1.45 / .55 3.81 / .61 3.97 / 3.27 -14 8.68 / 4.22 8.52 / 7.43 5.12 / 3.27 5.84 / 4.63 1.71 / .55 5.21 / .55 *** *** -2 *** *** *** *** *** *** *** *** FIRM ZONES '75-81, V1-V30, VE – CONTENTS RATES Elevation of Lowest Floor Above Ground Level More than One Full Floor Above or Below BFE Single Family 2-4 Family Other Residential Non-Residential 03 .56 / .25 .56 / .25 .42 / .25 -14 .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 on page RATE 23 for V Zone Optional Rating. 2 The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. 3 These rates are to be used if the lowest floor of the building is at or above BFE. 4 Use Submit-for-Rate guidelines if the enclosure below the lowest elevated floor of an elevated building, which is used for rating, is 1 or more feet below BFE. 5 Includes subgrade crawlspace. ***SUBMIT FOR RATING FIRM ZONES '75-'81, UNNUMBERED V ZONE SUBMIT FOR RATING 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 Elevated Buildings Free of Obstruction3 above or below BFE adjusted for wave height2 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 .41 .41 .66 .88 1.34 +3 .41 .41 .80 1.08 1.62 +2 .59 .63 1.03 1.38 2.07 +1 1.08 1.16 1.59 2.12 2.96 0 1.66 1.78 2.04 2.73 3.83 -1 2.40 2.47 2.70 3.56 4.63 -2 3.33 3.51 3.55 4.65 5.93 -3 4.57 4.85 4.57 6.11 7.74 -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 on page RATE 23 for V Zone Optional Rating. 2 Wave height adjustment is not required in those cases where the Flood Insurance Rate Map 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 ½ 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. 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. See page RATE 20 for more details. 4 These percentages represent building replacement cost ratios, which are determined by dividing the amount of building coverage being purchased by the replacement cost. See pages RATE 20-21 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 October 1, 2009 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 Obstruction6 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 .53 .53 1.47 1.96 2.91 +3 .54 .54 1.64 2.16 3.29 +2 .70 .70 1.92 2.50 3.82 +1 1.25 1.33 2.35 3.15 4.56 0 1.79 1.88 2.77 3.79 5.14 -16 2.47 2.61 3.30 4.38 5.89 -26 3.43 3.66 4.10 5.39 7.00 -36 4.68 4.98 5.28 6.87 8.83 -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 on page RATE 23 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 Wave height adjustment is not required in those cases where the Flood Insurance Rate Map 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 page RATE 20 for more details. 5 These percentages represent building replacement cost ratios, which are determined by dividing the amount of building coverage being purchased by the replacement cost. See pages RATE 20-21 for more details. 6 For buildings with obstruction, use Submit-for-Rate guidelines 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 1981 POST-FIRM UNNUMBERED V ZONE SUBMIT FOR RATING TABLE 4. REGULAR PROGRAM – FIRM ZONE AR AND AR DUAL ZONES RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) PRE-FIRM NOT ELEVATION-RATED RATES1, 2 OCCUPANCY Single Family 2-4 Family Other Residential Non-Residential Building Contents Building Contents Building Contents Building Contents BUILDING TYPE No Basement/Enclosure .78 / .21 1.20 / .37 .78 / .21 .74 / .21 .74 / .21 With Basement .89 / .30 1.36 / .43 .89 / .30 .95 / .30 .95 / .30 With Enclosure .89 / .34 1.36 / .49 .89 / .34 .95 / .34 .95 / .34 Elevated on Crawlspace .78 / .21 1.20 / .37 .78 / .21 .74 / .21 .74 / .21 Non-Elevated with Subgrade Crawlspace .78 / .21 1.20 / .37 .78 / .21 .74 / .21 .74 / .21 Manufactured (Mobile) Home3 .78 / .38 1.20 / .37 .95 / .39 CONTENTS LOCATION Basement & Above 1.53 / .56 1.53 / .56 1.58 / .61 Enclosure & Above 1.53 / .65 1.53 / .65 1.58 / .73 Lowest Floor Only - Above Ground Level 1.20 / .59 1.20 / .59 .97 / .43 Lowest Floor Above Ground Level and Higher Floors 1.20 / .37 1.20 / .37 .97 / .31 Above Ground Level - More than One Full Floor .35 / .12 .35 / .12 .22 / .12 Manufactured (Mobile) Home3 .85 / .53 1 Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the initial Flood Insurance Rate Map (FIRM). 2 Base Deductible is $2,000. 3 The definition of Manufactured (Mobile) Home includes travel trailers. See Page APP 3. POST-FIRM NOT ELEVATION-RATED RATES1 OCCUPANCY Single Family 2-4 Family Other Residential Non-Residential Building Contents Building Contents Building Contents Building Contents BUILDING TYPE No Basement/Enclosure .78 / .21 1.20 / .37 .78 / .21 .74 / .21 .74 / .21 With Basement .89 / .30 1.36 / .43 .89 / .30 .95 / .30 .95 / .30 With Enclosure .89 / .34 1.36 / .49 .89 / .34 .95 / .34 .95 / .34 Elevated on Crawlspace .78 / .21 1.20 / .37 .78 / .21 .74 / .21 .74 / .21 Non-Elevated with Subgrade Crawlspace .78 / .21 1.20 / .37 .78 / .21 .74 / .21 .74 / .21 Manufactured (Mobile) Home2 .78 / .38 1.20 / .37 .95 / .39 CONTENTS LOCATION Basement & Above 1.53 / .56 1.53 / .56 1.58 / .61 Enclosure & Above 1.53 / .65 1.53 / .65 1.58 / .73 Lowest Floor Only - Above Ground Level 1.20 / .59 1.20 / .59 .97 / .43 Lowest Floor Above Ground Level and Higher Floors 1.20 / .37 1.20 / .37 .97 / .31 Above Ground Level - More than One Full Floor .35 / .12 .35 / .12 .22 / .12 Manufactured (Mobile) Home2 .85 / .53 1 Base Deductible is $1,000. 2 The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. 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/Encl/ Crawlspace4 More than One Floor, No Basement/Encl/ Crawlspace4 More than One Floor, With Basement/Encl/ Crawlspace4 Manufactured (Mobile) Home1 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 .24 / .08 .20 / .08 +3 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .25 / .08 .22 / .08 +2 .39 / .08 .26 / .08 .25 / .08 .20 / .08 .25 / .08 .20 / .08 .43 / .08 .34 / .08 +1 .69 / .09 .46 / .10 .47 / .08 .29 / .08 .31 / .08 .25 / .08 .78 / .38 .72 / .08 0 .78 / .21 .74 / .21 .78 / .21 .81 / .15 .74 / .09 .60 / .16 .78 / .38 .95 / .39 -12 See Footnote2 FIRM ZONES AR and AR Dual Zones -- CONTENTS RATES Elevation of Lowest Floor Lowest Floor Only – Above Ground Level (No Basement/Encl/ Crawlspace4) Lowest Floor Above Ground Level & Higher Floors (No Basement/Encl/ Crawlspace4) More than One Floor With Basement/Enclosure/ Crawlspace4 Manufactured (Mobile) Home1 Above or Below BFE 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 / .12 +3 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 +2 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .31 / .14 +1 .52 / .12 .32 / .18 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .55 / .14 .49 / .19 0 1.24 / .12 .78 / .39 .69 / .12 .53 / .24 .41 / .12 .32 / .12 1.14 / .15 .77 / .48 -12 See Footnote2 FIRM ZONES AR and AR Dual Zones -- CONTENTS RATES Elevation of Lowest Floor Above or Above Ground Level More than One Full Floor Below BFE 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 -13 .35 / .12 .35 / .12 .22 / .12 -23 .35 / .12 .37 / .12 .24 / .12 1 The definition of Manufactured (Mobile) Home includes travel trailers. See page APP 3. 2 Use Table 4 Pre-FIRM and Post-FIRM Not Elevation-Rated AR and AR Dual Zones Rate Table. 3 These rates are only applicable to Contents-only policies. 4 Includes subgrade crawlspace. TABLE 6. PRECALCULATED PRE-FIRM PREMIUM TABLE FOR SINGLE-FAMILY DWELLINGS AMOUNT OF INSURANCE PREMIUM1 EXCLUDING ICC2 AND FEDERAL POLICY FEE3 A, AE, A1-A30, AH, AO, D V, VE, V1-V30 w/bsmt w/o bsmt w/bsmt w/o bsmt BUILDING $ 20,000 $ 162 $ 152 $ 212 $ 198 $ 30,000 $ 243 $ 228 $ 318 $ 297 $ 40,000 $ 324 $ 304 $ 424 $ 396 $ 50,000 $ 405 $ 380 $ 530 $ 495 $ 60,000 $ 486 $ 456 $ 636 $ 594 $ 70,000 $ 570 $ 513 $ 857 $ 742 $ 80,000 $ 654 $ 570 $1,078 $ 890 $ 90,000 $ 738 $ 627 $1,299 $1,038 $100,000 $ 822 $ 684 $1,520 $1,186 $125,000 $1,032 $ 827 $2,073 $1,556 $150,000 $1,242 $ 969 $2,625 $1,926 $175,000 $1,452 $1,112 $3,178 $2,296 $200,000 $1,662 $1,254 $3,730 $2,666 $225,000 $1,872 $1,397 $4,283 $3,036 $250,0004 $2,082 $1,539 $4,835 $3,406 CONTENTS $ 5,000 $ 48 $ 48 $ 62 $ 62 $ 10,000 $ 96 $ 96 $ 123 $ 123 $ 15,000 $144 $144 $ 185 $ 185 $ 20,000 $192 $192 $ 246 $ 246 $ 25,000 $240 $240 $ 308 $ 308 $ 30,000 $283 $292 $ 415 $ 435 $ 40,000 $369 $395 $ 629 $ 689 $ 50,000 $455 $498 $ 843 $ 943 $ 60,000 $541 $601 $1,057 $1,197 $ 70,000 $627 $704 $1,271 $1,451 $ 80,000 $790 $807 $1,485 $1,705 $ 90,000 $799 $910 $1,699 $1,959 $100,000 $885 $1,013 $1,913 $2,213 1 Premium before applying any CRS credits or optional deductible factors. 2 For building coverage amounts of $230,000 and less, add $75 to the building premium selected from the table above to cover ICC cost, except for D zones. For D zones add $6. For building coverage amounts above $230,000, see Footnote 4 below. 3 Add $35 to the premium selected from the table above to cover Federal Policy Fee. 4 Add $60 to cover the ICC cost for the $250,000 building limit, except for D zones. For D zones add $4. TABLE 7. FEDERAL POLICY FEE AND PROBATION SURCHARGE TABLE FEDERAL POLICY FEE1 PROBATION SURCHARGE $35 $50 1 For the Preferred Risk Policy, the Federal Policy Fee is $13.00. III. DEDUCTIBLES As shown in Table 8A below, the NFIP standard deductible is either $1,000 or $2,000. The insured may choose a deductible amount different from the standard $1,000 for Post-FIRM or the standard $2,000 for structures in the Emergency Program and those rated using Pre- FIRM rates in Zones A, AO, AH, A1-A30, AE, VO, V1-V30, VE, V, AR, and AR Dual Zones (AR/AE, AR/AH, AR/AO, AR/A1-A30, AR/A). The optional deductible amount may be applied to policies insuring properties in either Emergency Program or Regular Program communities. Refer to page CONDO 22 for Residential Condominium Building Association Policy optional deductibles. A. Buy-Back Deductibles 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 on pages RATE 13 and CONDO 22 must be used to calculate the deductible surcharge. 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. The deductible amount may be reduced through the submission of a new Application at the time of renewal. This procedure does not require the completion of the entire Flood Insurance Application. 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. 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, VO, V1-V30, VE, V, AR, AR/AE, AR/AH, AR/AO, AR/A1-A30, AR/A $2,000 $1,000 $1,000 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 Bldg./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 on page CONDO 22. 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 October 1, 2009 IV. INCREASED COST OF COMPLIANCE (ICC) COVERAGE Coverage is afforded under the Standard Flood Insurance Policy 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 Standard Flood Insurance Policies 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 four 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 one 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- A, AE, A1-A30, AO, AH $ 6 $ 4 $ 6 $ 4 FIRM AR, AR DUAL ZONES $ 6 $ 4 $ 6 $ 4 POST-’81 V1-V30, VE $20 $14 $20 $14 ‘75-’81 V1-V30, VE $35 $25 $35 $25 A99, B, C, X, D $ 6 $ 4 $ 6 $ 4 Pre- A, AE, A1-A30, AO, AH $75 $60 $75 $60 FIRM AR, AR DUAL ZONES $ 6 $ 4 $ 6 $ 4 V, VE, V1-V30 $75 $60 $75 $60 A99, B, C, X, D $ 6 $ 4 $ 6 $ 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) (3) The ICC premium is not eligible for the deductible discount. First calculate the deductible discount, then add in the ICC premium. Use only one 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 RATE 19 for AR Zone and AR Dual Zone Rating information. (8) For flood policies issued through the Mortgage Portfolio Protection Program, use the rates and ICC premiums in the table on page MPPP 1. 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 non­participating 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. . 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.) . Date of Construction—Manufactured (Mobile) Homes/Travel Trailers The date of construction for a manufactured (mobile) home is different from 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. This rule applies to all manufactured (mobile) homes even if the manufactured (mobile) home is rated and classified as single family. 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. . 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. However, for insurance purposes, manufactured (mobile) homes that are located or placed in existing manufactured (mobile) home parks or subdivisions, or expansions to existing manufactured (mobile) home parks or subdivisions, are considered Pre-FIRM. 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: - The building must be Pre-FIRM. - The substantial improvement must be an ADDITION to the building. (This condition excludes substantial improvements made as interior remodeling or repair projects.) - 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.) - 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 Base Flood Elevation 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 EC form (OMB expiration 2012). The Elevation Certificate must meet all photograph requirements described on pages CERT 1-2 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. . 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-FIR M construction. This would include all manufactured (mobile) homes located in either new manufactured (mobile) home parks or subdivisions or outside of existing manufactured (mobile) home parks or subdivisions. 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. A Pre-FIRM premium table for standard risk, single family property is located on page RATE 11. 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): one floor, two floors, three or more floors, split level, or manufactured (mobile) home on foundation. 5. Determine if building has 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. b. 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 crawl spaces that are below the Base Flood Elevation (BFE) may use optional Post-FIRM elevation rating. For policy processing, follow the Submit-for-Rate procedures on pages RATE 24-25. This is the only Pre-FIRM construction that can be rated using the Submit-for-Rate procedure. IX. PRE-FIRM ELEVATED BUILDING RATED AT 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 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. 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 enclosures beneath the lowest elevated floor are to be rated using the With Enclosure rates. XIII. REGULAR PROGRAM V ZONE POSTFIRM 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 non-elevated buildings, 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: . The bottom of the enclosure slab is the correct floor for rating. Determine whether the elevation in Item C2.c on the Elevation Certificate (EC) (bottom of lowest horizontal structural member) reflects the top or the bottom of the slab. . If the lowest horizontal structural member is equal to or higher than Item C2.f on the EC (lowest adjacent grade), deduct (for 1-4 family residences) 12 inches from the RATE 19 October 1, 2009 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. . If the surveyor has used Item C2.a on the EC (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. . 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 ½ 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 guidelines. 2. Elevated Building With Obstruction Buildings are rated With Obstruction if any of the following conditions are met: . The area below the lowest elevated floor is enclosed fully by solid breakaway walls. . The area below the lowest elevated floor is enclosed by a combination of two or more solid breakaway walls, with the remaining sides constructed of insect screening, or wooden or plastic lattice, slats, or shutters. . 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 guidelines. 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. 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-to­replacement-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 by the replacement cost of the building. 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 building replacement cost is $1,000,000 and the amount of building coverage requested is the maximum statutory building limit of $250,000, the rate is .25, so 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 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 the 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, producer, and mortgagee (if any), requesting the necessary information so that the proper rate can be determined. (Refer to page LFP 3 in the Leased Federal Property Section for tentative rates.) 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 a Special Flood Hazard Area, and the FIRM zone should be shown as Zone AA. AA is 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 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. Map “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 question--HOW DOES THE NEW MAP AFFECT FLOOD INSURANCE RATES? 1. Grandfather Rules To recognize policyholders who have built in compliance with the FIRM and/or remained loyal customers of the NFIP by maintaining continuous coverage, the Federal Emergency Management Agency has “Grandfather rules.” These rules allow such policyholders to benefit in the rating for that building. For such buildings, the insured would have the option of using the current rating criteria for that property or having the premium rate determined by using the BFE and/or flood zone on the FIRM (old map) in effect when the building was originally constructed (for those built in compliance) or when coverage was first obtained (for those with continuous coverage). This results in a cost savings to insureds when the new map resulting from a map revision would result in a higher premium rate. The conditions that must be met for an insured to be eligible to receive the rating benefit from the “Grandfather rules” after a map revision (new map) becomes effective are described below. 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 reference level lower than the BFE on that FIRM. (NOTE: Alteration does not apply to Pre-FIRM construction or to risks grandfathered to a B, C, or X Zone.) 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. ON APPLICATION FORM Building Type Enclosure Contents (including enclosure if any) . Three or More Floors . None . Above Ground Level More Than One Full Floor . Three or More Floors . Unfinished . Above Ground Level More Than One Full Floor XVI. FIRMS WITH WAVE HEIGHTS The 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 Flood Insurance Rate Maps (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: . A completed Elevation Certificate. . BFE from the Elevation Certificate (Item B9) or from the FIRM. . Lowest Adjacent Grade from Item C2.f of the Elevation Certificate completed by a registered professional engineer, architect, or surveyor. . 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 x [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 x 0.55 Wave height adjustment (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 x 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 V1V30 and VE 1981 Post-FIRM Construction For most communities that have Coastal High Hazard Areas, the Wave Height Adjustment to the Base Flood Elevation (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 other source, until such other data have been provided by the Federal Emergency Management Agency 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 estimated 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. XVIII. THE V-ZONE RISK FACTOR RATING FORM A. Use In conjunction with Table 10 (V-Zone Risk Rating Relativities Table), this optional form (see page RATE 35) 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: . Establish a rate prior to issuing a new policy, or . 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 (EC), and photographs. See pages CERT 1-2 of this manual for photograph requirements pertaining to the EC. B. Submission The completed form should be submitted to the NFIP Bureau and Statistical Agent, Underwriting Department, 8400 Corporate Drive, Suite 350, Landover, MD 20785. Confirmation of the relativity and established rate will be returned to the submitting producer, engineer, and builder/applicant in approximately 30 business days. , XIX. RATING EXAMPLES TABLE OF CONTENTS EXAMPLE PAGE Example 1 Emergency Program, Standard Deductible ....................................................... RATE 50 Example 2 Regular Program, Pre-FIRM Construction, $2,000/$1,000 Deductible Option, Zone B................................................................................. RATE 51 Example 3 Regular Program, Pre-FIRM Construction, $1,000 Deductible Option (Surcharge), Zone AE........................................................................................ RATE 52 Example 4 Regular Program, Pre-FIRM Construction, $3,000/$2,000 Deductible Option, Zone A15............................................................................. RATE 53 Example 5 Regular Program, Post-FIRM, Elevation Rated, $5,000/$5,000 Deductible Option, Zone AE.............................................................................. RATE 54 Example 6 Regular Program, 1975-81 Post-FIRM V1-V30, Elevation Rated, Zone V13 ... RATE 55 Example 7 Regular Program, Post-1981 VE or V1-V30, with Enclosure, Zone VE ............ RATE 56 Example 8 Regular Program, Post-FIRM Construction, Contents-Only Policy, Zone A17. RATE 57 Example 9 Regular Program, Post-FIRM, Elevation Rated, $5,000/$5,000 Deductible Option, Zone AO.............................................................................. RATE 58 Example 10 Regular Program, Post-FIRM, Elevation Rated, $1,000/$1,000 Deductible Option, Zone AO (With Certification of Compliance) ....................... RATE 59 Example 11 Regular Program, Post-FIRM, Elevation Rated, $3,000/$2,000 Deductible Option, Zone AH.............................................................................. RATE 60 Example 12 Regular Program, Post-FIRM, Elevation Rated, $1,000/$1,000 Deductible Option, Zone AH (With Certification of Compliance) ....................... RATE 61 Example 13 Regular Program, Post-FIRM, Elevation Rated, $1,000/$1,000 Deductible Option, Zone A (with Estimated BFE) .............................................. RATE 62 Example 14 Regular Program, Post-FIRM, Elevation Rated, $1,000/$1000 Deductible Option, Zone A (without Estimated BFE) ......................................... RATE 63 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 . Flood Proofed 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) PAYMENT ANNUAL SUBTOTAL 362 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM . . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 362 . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . OTHER: CRS PREMIUM DISCOUNT % . . MORTGAGE PORTFOLIO PROTECTION PROGRAM SUBTOTAL 362 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 35 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 397 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $266 / Contents: $96 2. Apply Deductible Factor: Building: 1.000 x $266 = $266 / Contents: 1.000 x $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: $35 10. Total Prepaid Amount: $397 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: 1.03 . Contents Location: Lowest Floor Above Ground Level and Higher Floors . Date of Construction: Pre-FIRM . Elevation Difference: N/A . Flood Proofed Yes/No: No . Building Coverage: $150,000 . Contents Coverage: $60,000 . ICC Premium: $6 . CRS Rating: N/A . CRS Discount: N/A Determined Rates: Building: .78/.21 Contents: 1.20/.37 COVERAGE INSURANCE RATE BASIC LIMITS AMOUNT OF PREMIUM ANNUAL INSURANCE RATE ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) AMOUNT OF ANNUAL PREMIUM REDUCTION/ INCREASE DEDUCTIBLE PREM. AMOUNT OF INSURANCE BASIC AND ADDITIONAL TOTAL PREMIUM TOTAL BUILDING 60,000 .78 468 90,000 .21 189 +20 150,000 677 CONTENTS 25,000 1.20 300 35,000 .37 130 +13 60,000 443 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 1,120 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 6 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 1,126 . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . OTHER: CRS PREMIUM DISCOUNT % . . MORTGAGE PORTFOLIO PROTECTION PROGRAM SUBTOTAL 1,126 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 35 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 1,161 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $657 / Contents: $430 2. Apply Deductible Factor: Building: 1.03 x $657 = $677 / Contents: 1.030 x $430 = $443 3. Premium Increase: Building: $677 - $657 = $20 / Contents: $443 - 430 = $13 4. Subtotal: $1,120 5. Add ICC Premium: $6 6. Subtract CRS Discount: N/A 7. Subtotal: $1,126 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $35 10. Total Prepaid Amount: $1,161 EXAMPLE 3 REGULAR PROGRAM, PRE-FIRM CONSTRUCTION, $1000 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: $1000/$1000 . Deductible Factor: 1.100 . Contents Location: Enclosure and Above . Date of Construction: Pre-FIRM . Elevation Difference: N/A . Flood Proofed Yes/No: No . Building Coverage: $150,000 . Contents Coverage: $60,000 . ICC Premium: $75 . CRS Rating: N/A . CRS Discount: N/A Determined Rates: Building: .81/1.02 Contents: .96/1.03 BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) COVERAGE AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM BUILDING 60,000 .81 486 90,000 1.02 918 CONTENTS 25,000 .96 240 35,000 1.03 361 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT . MANUAL . SUBMIT FOR RATING OPTION:. ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . OTHER: . MORTGAGE PORTFOLIO PROTECTION PROGRAM 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) DEDUCTIBLE BASIC AND ADDITIONAL PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE +140 150,000 +60 60,000 ANNUAL SUBTOTAL ICC PREMIUM SUBTOTAL CRS PREMIUM DISCOUNT % SUBTOTAL PROBATION SURCHARGE FEDERAL POLICY FEE TOTAL PREPAID AMOUNT TOTAL PREMIUM 1,544 661 2,205 75 2,280 . 2,280 . 35 2,315 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $1,404 / Contents: $601 2. Apply Deductible Factor: Building: 1.100 x $1,404 = $1,544 / Contents: 1.100 x $601 = $661 3. Premium Increase: Building: $1,544 - $1,404 = $140 / Contents: $661 - $601 = $60 4. Subtotal: $2,205 5. Add ICC Premium: $75 6. Subtract CRS Discount: N/A 7. Subtotal: $2,280 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $35 10. Total Prepaid Amount: $2,315 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 . Flood Proofed Yes/No: No . Building Coverage: $250,000 . Contents Coverage: $100,000 . ICC Premium: $60 . CRS Rating: 4 . CRS Discount: 30% Determined Rates: Building: .81/.84 Contents: .96/.86 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 .84 1,596 -104 250,000 1,978 CONTENTS 25,000 .96 240 75,000 .86 645 -44 100,000 841 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 2,819 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 60 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 2,879 . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . OTHER: CRS PREMIUM DISCOUNT 30% -864 . MORTGAGE PORTFOLIO PROTECTION PROGRAM SUBTOTAL 2,015 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 35 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 2,050 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $2,082 / Contents: $885 2. Apply Deductible Factor: Building: .950x $2,082 = $1,978/ Contents: .950 x $885 = $841 3. Premium Reduction: Building: $2,082 - $1,978 = $104 / Contents: $885 – $841 = $44 4. Subtotal: $2,819 5. Add ICC Premium: $60 6. Subtract CRS Discount: -$864 (30%) 7. Subtotal: $2,015 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $35 10. Total Prepaid Amount: $2,050 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 . Flood Proofed 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) PAYMENT ANNUAL SUBTOTAL 1,211 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 4 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 1,215 . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . OTHER: CRS PREMIUM DISCOUNT 25% -304 . MORTGAGE PORTFOLIO PROTECTION PROGRAM SUBTOTAL 911 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 35 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 946 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $610 / Contents: $750 2. Apply Deductible Factor: Building: .890 x $610 = $543 / Contents: .890 x $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: $35 10. Total Prepaid Amount: $946 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 . Flood Proofed Yes/No: No . Building Coverage: $150,000 . Contents Coverage: $100,000 . ICC Premium: $35 . CRS Rating: 8 . CRS Discount: 10% Determined Rates: Building: 2.07/.46 Contents: 2.57/.61 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 2.07 1,242 90,000 .46 414 0 150,000 1,656 CONTENTS 25,000 2.57 643 75,000 .61 458 0 100,000 1,101 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 2,757 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 35 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 2,792 . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . OTHER: CRS PREMIUM DISCOUNT 10% -279 . MORTGAGE PORTFOLIO PROTECTION PROGRAM SUBTOTAL 2,513 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 35 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 2,548 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $1,656 / Contents: $1,101 2. Apply Deductible Factor: Building: 1.000 x $1,656 = $1,656/Contents:1.000 x $1,101 = $1,101 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $2,757 5. Add ICC Premium: $35 6. Subtract CRS Discount: -$279 (10%) 7. Subtotal: $2,513 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $35 10. Total Prepaid Amount: $2,548 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 . Flood Proofed Yes/No: No . Replacement Cost: $300,000 . Building Coverage: $250,000 . Contents Coverage: $100,000 . ICC Premium: $14 . CRS Rating: 9 . CRS Discount: N/A Determined Rates: Building: 3.30 / 3.30 Contents: 2.47 / 2.47 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 3.30 1,980 190,000 3.30 6,270 -1,237 250,000 7,013 CONTENTS 25,000 2.47 618 75,000 2.47 1,853 -371 100,000 2,100 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 9,113 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 14 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 9,127 . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . OTHER: CRS PREMIUM DISCOUNT % . . MORTGAGE PORTFOLIO PROTECTION PROGRAM SUBTOTAL 9,127 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE . THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 35 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 9,162 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $8,250 / Contents: $2,471 2. Apply Deductible Factor: Building: .850 x $8,250 = $7,013 / Contents: .850 x $2,471 = $2,100 3. Premium Reduction: Building: $8,250 - $7,013 = $1,237 / Contents: $2,471 - $2,100 = $371 4. Subtotal: $9,113 5. Add ICC Premium: $14 6. Subtract CRS Discount: N/A 7. Subtotal: $9,127 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $35 10. Total Prepaid Amount: $9,162 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 and Higher Floors . Date of Construction: Post-FIRM . Elevation Difference: +2 . Flood Proofed 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: .38/.12 BASIC LIMITS ADDITIONAL LIMITS (REGULAR PROGRAM ONLY) COVERAGE AMOUNT OF INSURANCE RATE ANNUAL PREMIUM AMOUNT OF INSURANCE RATE ANNUAL PREMIUM BUILDING 0 CONTENTS 25,000 .38 95 75,000 .12 90 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT . MANUAL . SUBMIT FOR RATING OPTION:. ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . OTHER: . MORTGAGE PORTFOLIO PROTECTION PROGRAM 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) DEDUCTIBLE BASIC AND ADDITIONAL PREM. REDUCTION/ INCREASE TOTAL AMOUNT OF INSURANCE 0 100,000 ANNUAL SUBTOTAL ICC PREMIUM SUBTOTAL CRS PREMIUM DISCOUNT % SUBTOTAL PROBATION SURCHARGE FEDERAL POLICY FEE TOTAL PREPAID AMOUNT TOTAL PREMIUM 185 185 . 185 . 185 . 35 220 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: N/A / Contents: $185 2. Apply Deductible Factor: Building: N/A / Contents: 1.000 x $185 = $185 3. Premium Reduction/Increase: Building: N/A / Contents: $0 4. Subtotal: $185 5. Add ICC Premium: N/A 6. Subtract CRS Discount: N/A 7. Subtotal: $185 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $35 10. Total Prepaid Amount: $220 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 . Flood Proofed Yes/No: No . Building Coverage: $500,000 . Contents Coverage: $500,000 . ICC Premium: $4 . CRS Rating: 5 . CRS Discount: N/A Determined Rates: Building: 1.01/.36 Contents: 1.97/.31 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 1.01 1,768 325,000 .36 1,170 -323 500,000 2,615 CONTENTS . PROVISIONAL RATING 150,000 1.97 2,955 350,000 .31 1,085 -444 500,000 3,596 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 6,211 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 4 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL CRS PREMIUM DISCOUNT % 6,215 . . MORTGAGE PORTFOLIO PROTECTION PROGRAM SUBTOTAL 6,215 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND . LEASED FEDERAL PROPERTY . OTHER: PROBATION SURCHARGE . THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 35 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 6,250 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $2,938 / Contents: $4,040 2. Apply Deductible Factor: Building: .890 x $2,938 = $2,615 / Contents: .890 x $4,040 = $3,596 3. Premium Reduction: Building: $2,938 - $2,615 = $323 /Contents: $4,040 - $3,596 = $444 4. Subtotal: $6211 5. Add ICC Premium: $4 6. Subtract CRS Discount: N/A 7. Subtotal: $6,215 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $35 10. Total Prepaid Amount: $6,250 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 . Flood Proofed 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: .37/.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 . PROVISIONAL RATING 25,000 .37 93 75,000 .13 98 0 100,000 191 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 511 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 4 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL CRS PREMIUM DISCOUNT % 515 — . MORTGAGE PORTFOLIO PROTECTION PROGRAM SUBTOTAL 515 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND . LEASED FEDERAL PROPERTY . OTHER: PROBATION SURCHARGE — THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 35 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 550 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $320 / Contents: $191 2. Apply Deductible Factor: Building: 1.000 x $320 = $320 /Contents: 1.000 x $191 = $191 3. Premium Reduction/Increase: Building: $0 / Contents: = $0 4. Subtotal: $511 5. Add ICC Premium: $4 6. Subtract CRS Discount: N/A 7. Subtotal: $515 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $35 10. Total Prepaid Amount: $550 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 . Flood Proofed 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: .93/.21 Contents: 1.17/.24 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 .93 558 190,000 .21 399 -120 250,000 837 CONTENTS 25,000 1.17 293 0 .24 0 -37 25,000 256 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 1,093 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 4 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 1,097 . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . OTHER: CRS PREMIUM DISCOUNT _____% — . MORTGAGE PORTFOLIO PROTECTION PROGRAM SUBTOTAL 1,097 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE — THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 35 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 1,132 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $957 / Contents: $305 2. Apply Deductible Factor: Building: .875 x $957 = $837 / Contents: .875 x $293 = $256 3. Premium Reduction: Building: $957 - $837 = $120 /Contents = $293 - $256 = $37 4. Subtotal: $1,093 5. Add ICC Premium: $4 6. Subtract CRS Discount: N/A 7. Subtotal: $1,097 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $35 10. Total Prepaid Amount: $1,132 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 . Flood Proofed Yes/No: No . Building Coverage: $200,000 . Contents Coverage: $40,000 . ICC Premium: $6 . CRS Rating: N/A . CRS Discount: N/A Determined Rates: Building: .28/.08 Contents: .37/.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 . PROVISIONAL RATING 25,000 .37 93 15,000 .13 20 0 40,000 113 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 393 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 6 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL CRS PREMIUM DISCOUNT % 399 — . MORTGAGE PORTFOLIO PROTECTION PROGRAM SUBTOTAL 399 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND . LEASED FEDERAL PROPERTY . OTHER: PROBATION SURCHARGE — THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 35 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 434 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $280 / Contents: $113 2. Apply Deductible Factor: Building: 1.000 x $280 = $280 / Contents: 1.000 x $113 = $113 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $393 5. Add ICC Premium: $6 6. Subtract CRS Discount: N/A 7. Subtotal: $399 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $35 10. Total Prepaid Amount: $434 EXAMPLE 13 REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $1,000/$1,000 DEDUCTIBLE OPTION, ZONE A (WITH ESTIMATED 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: $1000/$1000 . Deductible Factor: 1.000 . Contents Location: Above Ground Level and Higher Floors . Date of Construction: Post-FIRM . Elevation Difference: +6 (with Estimated BFE) . Flood Proofed Yes/No: No . Building Coverage: $140,000 . Contents Coverage: $70,000 . ICC Premium: $6 . CRS Rating: N/A . CRS Discount: N/A Determined Rates: Building: .40/.08 Contents: .50/.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 80,000 .08 64 0 140,000 304 CONTENTS 25,000 .50 125 45,000 .12 54 0 70,000 179 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 483 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 6 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 489 . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . OTHER: CRS PREMIUM DISCOUNT % — . MORTGAGE PORTFOLIO PROTECTION PROGRAM SUBTOTAL 489 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND PROBATION SURCHARGE — THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 35 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 524 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $304 / Contents: $179 2. Apply Deductible Factor: Building: 1.000 x $304 = $304 /Contents:1.000 x $179 = $179 3. Premium Reduction/Increase: Building: $0 / Contents = $0 4. Subtotal: $483 5. Add ICC Premium: $6 6. Subtract CRS Discount: N/A 7. Subtotal: $489 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $35 10. Total Prepaid Amount: $524 EXAMPLE 14 REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $1000/$1000 DEDUCTIBLE OPTION, ZONE A (WITHOUT ESTIMATED 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: $1000/$1000 . Deductible Factor: 1.000 . Contents Location: Lowest Floor Above Ground Level and Higher Floors . Date of Construction: Post-FIRM . Elevation Difference: +5 (without Estimated BFE) . Flood Proofed Yes/No: No . Building Coverage: $135,000 . Contents Coverage: $60,000 . ICC Premium: $6 . CRS Rating: N/A . CRS Discount: N/A Determined Rates: Building: .35/.10 Contents: .61/.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 .35 210 75,000 .10 75 0 135,000 285 CONTENTS . PROVISIONAL RATING 25,000 .61 153 35,000 .12 42 0 60,000 195 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 480 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 6 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL CRS PREMIUM DISCOUNT % 486 — . MORTGAGE PORTFOLIO PROTECTION PROGRAM SUBTOTAL 486 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND . LEASED FEDERAL PROPERTY . OTHER: PROBATION SURCHARGE — THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER FEDERAL POLICY FEE 35 APPLICABLE FEDERAL LAW. SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 521 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $285 / Contents: $195 2. Apply Deductible Factor: Building: 1.000 x $300 = $300 /Contents: 1.000 x $195 = $195 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $480 5. Add ICC Premium: $6 6. Subtract CRS Discount: N/A 7. Subtotal: $486 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $35 10. Total Prepaid Amount: $521 TABLE 2. CONDOMINIUM RATING CHART (Cont’d) HIGH-RISE RESIDENTIAL CONDOMINIUMS MULTI-UNIT BUILDING.5 OR MORE UNITS PER BUILDING.THREE OR MORE FLOORS6 CONDO 5 May 1, 2008 PURCHASER OF POLICY Building Occupancy1 Building Indicator1 Contents Indicator2 Limits of Coverage Type of Coverage Rate Table3 Policy Form4 UNIT OWNER OTHER RESIDENTIAL SINGLE UNIT HOUSEHOLD BUILDING.$250,000 CONTENTS.$100,000 RC5 SINGLE FAMILY FOR BUILDING; OTHER RESIDENTIAL FOR CONTENTS DWELLING ASSOCIATION (SINGLE UNIT ONLY) OTHER RESIDENTIAL SINGLE UNIT HOUSEHOLD BUILDING.$250,000 CONTENTS.$100,000 RC5 SINGLE FAMILY FOR BUILDING; OTHER RESIDENTIAL FOR CONTENTS DWELLING ASSOCIATION (ENTIRE BUILDING) OTHER RESIDENTIAL HIGH-RISE HOUSEHOLD BUILDING.THE TOTAL NUMBER OF UNITS X $250,000 CONTENTS.$100,000 RC RCBAP HIGH-RISE RCBAP NON-RESIDENTIAL CONDOMINIUMS PURCHASER OF POLICY Building Occupancy1 Building Indicator1 Contents Indicator2 Limits of Coverage Type of Coverage Rate Table3 Policy Form4 UNIT OWNER NON-RESIDENTIAL SINGLE UNIT (BUILDING COVERAGE NOT AVAILABLE) BUSINESS EMERGENCY.$100,000 REGULAR.$500,000 CONTENTS ONLY ACV NON-RESIDENTIAL GENERAL PROPERTY BUILDING. ASSOCIATION NON-RESIDENTIAL LOW-RISE BUSINESS EMERGENCY.$100,000 REGULAR.$500,000 CONTENTS. ACV NON-RESIDENTIAL GENERAL PROPERTY EMERGENCY.$100,000 REGULAR.$500,000 1When there is a mixture of residential and commercial usage within a single building, please refer to the GR Section of the Flood Insurance Manual. 2In determining the contents indicator for “other than household contents,” please refer to the RATE Section of the Flood Insurance Manual. 3All building rates are based on the lowest floor of the building. 4RCBAP 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 General Property Form if ineligible under RCBAP. 5Replacement Cost if the RC eligibility requirements are met (building only). 6Enclosure, 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. RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY II. POLICY FORM The policy form used for the residential condominium buildings owned by a condominium association is the Residential Condominium Building Association Policy (RCBAP). III. ELIGIBILITY REQUIREMENTS A. General Building Eligibility The RCBAP is required for all buildings owned by a condominium association containing one 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. This will include townhouse/rowhouse and detached single family condominium buildings. The RCBAP is available for all high-rise and low-rise residential condominium buildings in the Regular Program only. Residential condominium buildings that are being used as a hotel or motel, or are being rented (either short- or long-term), must be insured on 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 must provide legal documentation to confirm that the insured is a condominium association. A homeowners association (HOA) may differ from a condominium form of ownership. Cooperative ownership buildings are not eligible. Timeshare buildings having condominium form of ownership in jurisdictions where title is vested in individual unit owners are eligible provided all other criteria are met. If, during a policy term, the risk fails to meet the eligibility requirements, it will be ineligible for renewal as an RCBAP. The NFIP has grouped condominium buildings into two different types, low- 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 high-rise 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 five or more units and at least three floors excluding enclosure, even if it is the lowest floor for rating. . Low-rise buildings have less than five units regardless of the number of floors, or five or more units with less than three floors, including the basement. . Townhouse/rowhouse buildings are always considered as low-rise buildings for rating purposes, no matter how many units or floors they have. See the Definitions section for a complete definition of high-rise and low-rise buildings. The 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 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, 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. As noted on page GR 4, 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 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 one policy, including both the common as well as individually owned building elements within the units, CONDO 6 October 1, 2009 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 of the building or the total number of units in the condominium building times $250,000, whichever is less. The maximum allowable contents coverage is the Actual Cash Value of the commonly owned contents up to a maximum of $100,000 per building. Basic Limit Amount: . The building basic limit amount of insurance for a detached building housing a single family unit owned by the condominium association is $60,000. . 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. . For high-rise condominiums, the building basic amount of insurance is $175,000. . The contents basic limit amount of insurance is $25,000. . 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 As stated above in “B. Coverage Limits,” the RCBAP’s building coverage is on a Replacement Cost valuation basis. Replacement Cost Value means the cost to replace property with the same kind of material 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 X Amount of Loss = Limit of Recovery Insurance Required 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 Actual Cash Value (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 does 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, 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 has a maximum combined total limit of $250,000 times the number of units. This combined total limit covers loss to the unit and any assessment by the association. 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. For more information on this topic, see “E. Loss Assessments” on page GR 12 and Section III. C.3. of the Dwelling Form, “Condominium Loss Assessments,” on page POL 8. CONDO 7 October 1, 2009 V. DEDUCTIBLES AND FEES A. Deductibles The loss deductible shall apply separately to each building and personal property covered loss including any appurtenant structure loss. The Standard Deductible is $2,000 for a residential condominium building, located in a Regular Program Community in Special Flood Hazard Areas, 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 $1,000. Optional deductible amounts are available under the RCBAP. B. Federal Policy Fee The Federal Policy Fees for the RCBAP are: 1 unit -$ 35.00 per policy 2-4 units -$ 70.00 per policy 5-10 units -$ 175.00 per policy 11-20 units -$ 385.00 per policy 21 or more -$ 735.00 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 owner’s Dwelling Policies may be cancelled 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 Endorsement form. In the event of a cancellation: . The commission on a unit owner's policy will be retained, in full, by the 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 Dwelling Policy or RCBAP 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 producer should complete the entire Flood Insurance Application according to the directions in the Application section of this manual and attach two new photographs of the building, one 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 five units, and having at least three 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. Low-rise condominium buildings are defined as having less than five units and/or less than three 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, or for a Condominium Association Policy, see the Application section of this manual. B. Replacement Cost Value For an RCBAP, use normal company practice to estimate the Replacement Cost Value (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 inspection report that states the building's value on an RCV basis. The cost of the building's foundation must be included in determining the RCV. 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 CONDO 8 October 1, 2009 reasonable accuracy of the RCV for the building, the agent must update this information at least every 3 years. 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 low-rise 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 nonresidential) 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 page CONDO 22. 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 one unit. 3. Add the total premium for building and contents and enter the Annual Subtotal. 4. Add the ICC premium. 5. Calculate the CRS discount, if applicable. 6. Subtract the CRS discount, if applicable. 7. Add the $50.00 Probation Surcharge, if applicable. 8. Add the Federal Policy Fee to determine the Total Prepaid Amount. TABLE 3A. RCBAP HIGH-RISE CONDOMINIUM RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) BUILDING BUILDING TYPE REGULAR PROGRAMPRE-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/.21 1.08/.51 1.06/.05 1.06/.05 1.16/.24 With Basement .90/.29 1.15/1.09 1.29/.07 1.29/.07 SUBMIT FOR RATE With Enclosure .90/.21 1.15/.53 1.12/.05 1.12/.05 Elevated on Crawlspace .85/.21 1.08/.51 1.06/.05 1.06/.05 1.16/.24 Non-Elevated with Subgrade Crawlspace .85/.21 1.08/.51 1.06/.05 1.06/.05 1.16/.24 CONTENTS CONTENTS LOCATION REGULAR PROGRAMPRE-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/.86 1.23/2.14 1.53/.56 1.53/.56 SUBMIT FOR RATE Enclosure/Crawlspace and above .96/1.03 1.23/2.53 1.53/.65 1.53/.65 Lowest floor only- above ground level .96/1.03 1.23/2.53 1.20/.59 1.20/.59 1.11/.70 Lowest floor above ground level and higher floors .96/.71 1.23/2.23 1.20./.34 1.20/.34 1.11/.48 Above ground level more than 1 full floor .35/.13 .47/.32 .35/.12 .35/.12 .35/.12 BUILDING—A1-A30, AE · POST-FIRM ELEVATION 3 OR MORE FLOORS NO BASEMENT/ENCLOSURE/CRAWLSPACE3 3OR MORE FLOORS WITH BSMNT/ENCL/CRAWLSPACE3 +4 .33/.03 .33/.03 +3 .35/.03 .34/.03 +2 .40/.03 .36/.03 +1 .72/.04 .53/.04 0 1.28/.05 1.15/.05 -12 5.26/.15 2.98/.12 -2 SUBMI T F O R R A T E CONTENTS—A1-A30, AE · POST-FIRM ELEVATION LOWEST FLOOR ONLY- ABOVE GROUND LEVEL (NO BSMNT/ENCLOSURE/ CRAWLSPACE3) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER (NO BSMNT/ENCL/ CRAWLSPACE3) BASEMENT/ ENCLOSURE/ CRAWLSPACE3 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 1.24/.12 .69/.12 .41/.12 .35/.12 -12 3.74/.75 2.11/.58 .60/.14 .35/.12 -2 S U B M I T F O R R A T E .35/.12 1Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the initial Flood Insurance Rate Map (FIRM). If FIRM Zone is unknown, use rates for Zones A, AE, AO, AH, D. 2Use Submit-for-Rate guidelines if either the enclosure below the lowest elevated 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. 3Includes subgrade crawlspace. CONDO 10 October 1, 2009 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/.08 1.18/.24 POST-FIRM UNNUMBERED A-ZONE -WITHOUT BASEMENT/ENCLOSURE/CRAWLSPACE/SUBGRADE CRAWLSPACE1,7 ELEVATION DIFFERENCE TO NEAREST FOOT BUILDING CONTENTS4 TYPE OF ELEVATION CERTIFICATE +5 OR MORE .80/.05 .61/.12 NO ESTIMATED BASE FLOOD ELEVATION5 +2 TO +4 1.40/.06 .86/.17 +1 2.29/.14 1.52/.56 0 OR BELOW *** *** +2 OR MORE .69/.04 .50/.12 WITH ESTIMATED BASE FLOOD ELEVATION6 0 TO +1 1.23/.06 .84/.16 -1 5.14/.17 2.44/.73 -2 OR BELOW *** *** NO ELEVATION CERTIFICATE 6.53/1.26 3.33/.99 NO ELEVATION CERTIFICATE 1Zones A, AO, or AH buildings with basement/enclosure/crawlspace/subgrade crawlspace--Submit for Rating.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. 4For elevation rated policies, when contents are located one floor or more above lowest floor used for rating, use .35/.12.5NO ESTIMATED 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. 6WITH ESTIMATED BASE FLOOD ELEVATION: Elevation difference is the measured distance between the lowest floor of the building and the estimated BFE provided by the community or registered professional engineer, surveyor, or architect. 7Pre-FIRM buildings with basement/enclosure/crawlspace/subgrade crawlspace may use this table if the rates are more favorable to the insured. ***SUBMIT FOR RATING. CONDO 11 October 1, 2009 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 1.06/.05 Subgrade Crawlspace CONTENTS PRE-FIRM1,2 AND POST-FIRM3 NOT ELEVATION-RATED CONTENTS LOCATION RATES Basement/Subgrade Crawlspace and above 1.53/.56 Enclosure/Crawlspace and above 1.53/.65 Lowest floor only- above ground level 1.20/.59 Lowest floor above ground level and higher floors 1.20/.34 Above ground level more than 1 full floor .35/.12 BUILDING PRE-FIRM AND POST-FIRM ELEVATION-RATED ELEVATION 3 OR MORE FLOORS NO BASEMENT/ENCLOSURE/CRAWLSPACE5 3 OR MORE FLOORS WITH BASEMENT/ENCLOSURE/ CRAWLSPACE5 +4 .33/.03 .33/.03 +3 .35/.03 .34/.03 +2 .40/.03 .36/.03 +1 .72/.04 .53/.04 0 1.06/.05 1.15/.05 4-1 See Footnote CONTENTS PRE-FIRM AND POST-FIRM ELEVATION-RATED ELEVATION LOWEST FLOOR ONLY -ABOVE GROUND LEVEL (NO BSMNT/ENCL/CRAWLSPACE5) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER (NO BSMNT/ENCL/CRAWLSPACE5) BASEMENT/ ENCLOSURE/ CRAWLSPACE5 AND ABOVE ABOVE GROUND LEVEL - MORE THAN ONE FULL +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 1.24/.12 .69/.12 .41/.12 .35/.12 -14 See Footnote 1Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the initial Flood Insurance Rate Map (FIRM). 2Base deductible is $2,000. 3Base deductible is $1,000. 4Use Pre-FIRM Not Elevation-Rated AR and AR Dual Zones Rate Table above. 5Includes subgrade crawlspace. CONDO 12 October 1, 2009 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 BUILDING TYPE FLOOR ABOVE OR BELOW BFE 3OR MORE FLOORS NO BASEMENT/ENCLOSURE/ CRAWLSPACE5 3 OR MORE FLOORS WITH BASEMENT/ENCLOSURE/CRAWLSPACE5 03 2.77/.14 2.64/.14 -14 8.09/.58 4.25/.43 -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/ CRAWLSPACE5) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER FLOORS (NO BASEMENT/ENCLOSURE/ CRAWLSPACE5) BASEMENT/ ENCLOSURE/ CRAWLSPACE5 AND ABOVE ABOVE GROUND LEVEL-MORE THAN ONE FULL FLOOR 03 4.09/.57 2.68/.63 1.50/.70 .56/.26 -14 9.01/4.37 5.32/3.37 1.77/.70 .56/.26 -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 on page RATE 23 for V Zone Optional Rating. 2 For 1981 Post-FIRM construction rating, refer to pages CONDO 19-20. 3 These rates are to be used if the lowest floor of the building is at or above the BFE. 4Use Submit-for-Rate guidelines if the enclosure below the lowest floor of an elevated building, which is used for rating, is 1 or more feet below BFE. 5Includes subgrade crawlspace. ***SUBMIT FOR RATING. REGULAR PROGRAM 1975-1981 POST-FIRM CONSTRUCTION UNNUMBERED V ZONE – ELEVATED BUILDINGS SUBMIT FOR RATING CONDO 13 October 1, 2009 TABLE 4A. RCBAP LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) REGULAR PROGRAM – PRE-FIRM CONSTRUCTION RATES1 F I R M Z O N E S: 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/.55 .96/1.03 .93/1.46 1.23/2.69 .74/.21 1.20/.37 WITH BASEMENT .75/.68 .96/.86 1.00/2.54 1.23/2.53 .81/.30 1.36/.46 WITH ENCLOSURE .75/.80 .96/.89 1.00/2.76 1.23/2.75 .81/.34 1.36/.54 ELEVATED ON CRAWLSPACE .70/.55 .96/1.03 .93/1.46 1.23/2.69 .74/.21 1.20/.37 NON-ELEVATED WITH SUBGRADE CRAWLSPACE .70/.55 .96/1.03 .93/1.46 1.23/2.69 .74/.21 1.20/.37 REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATES F I R M Z O N E S: A99, B, C, X D BUILDING CONTENTS BUILDING CONTENTS BUILDING TYPE NO BASEMENT/ENCLOSURE .74/.21 1.20/.37 1.03/.39 1.11/.70 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/.70 NON-ELEVATED WITH SUBGRADE CRAWLSPACE .74/.21 1.20/.37 1.03/.39 1.11/.70 F I R M Z O N E S: 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 .86/.21 1.18/.24 1Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the initial Flood Insurance Rate Map (FIRM). If FIRM Zone is unknown, use rates for Zones A, AE, AO, AH, D. 2Zones AO, AH BUILDINGS WITH BASEMENT/ENCLOSURE/CRAWLSPACE/SUBGRADE CRAWLSPACE: Submit for Rating. 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 October 1, 2009 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 LOWEST FLOOR ABOVE OR BELOW BFE1 BUILDING TYPE ONE FLOOR NO BASEMENT/ENCLOSURE/ CRAWLSPACE3 MORE THAN ONE FLOOR NO BASEMENT/ENCLOSURE CRAWLSPACE3 MORE THAN ONE FLOOR WITH BASEMENT/ENCLOSURE/ CRAWLSPACE3 +4 .18/.08 .18/.08 .18/.08 +3 .18/.08 .18/.08 .18/.08 +2 .27/.08 .18/.08 .18/.08 +1 .49/.08 .28/.08 .23/.08 0 1.08/.09 .71/.09 .55/.09 -12 2.88/.84 2.15/.77 1.25/.52 -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/CRAWLSPACE3) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER FLOORS (NO BASEMENT/ ENCLOSURE/CRAWLSPACE3) BASEMENT/ENCLOSURE/ CRAWLSPACE3 AND ABOVE ABOVE GROUND LEVELMORE 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 1.24/.12 .69/.12 .41/.12 .35/.12 -12 3.74/.75 2.11/.58 .60/.14 .35/.12 -2 *** *** *** .35/.12 1If LF is -1 because of attached garage, submit application for special consideration; rate may be lower. 2Use Submit-for-Rate guidelines 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. 3Includes subgrade crawlspace. ***SUBMIT FOR RATING. CONDO 15 October 1, 2009 TABLE 4C. RCBAP LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) UNNUMBERED ZONE A - WITHOUT BASEMENT/ENCLOSURE/CRAWLSPACE1,6 ELEVATION DIFFERENCE TO NEAREST FOOT BUILDING CONTENTS2 TYPE OF ELEVATION CERTIFICATE +5 OR MORE .32/.11 .61/.12 NO ESTIMATED BASE FLOOD ELEVATION3 +2 TO +4 .89/.13 .86/.17 +1 1.84/.66 1.52/.56 0 OR BELOW *** *** +2 OR MORE .31/.08 .50/.12 WITH ESTIMATED BASE FLOOD ELEVATION4 0 TO +1 .70/.11 .84/.16 -1 2.63/.83 2.44/.73 -2 OR BELOW *** *** NO ELEVATION CERTIFICATE5 3.34/1.44 3.33/.99 NO ELEVATION CERTIFICATE 1 Zone A building with basement/enclosure/crawlspace/subgrade crawlspace – Submit for Rating. 2 For elevation rated policies, when contents are located one floor or more above lowest floor used for rating, use .35/.12. 3 NO ESTIMATED 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. 4 WITH ESTIMATED BASE FLOOD ELEVATION: Elevation difference is the measured distance between the lowest floor of the building and the estimated BFE provided by the community or registered professional engineer, surveyor, or architect. 5 For building without basement, enclosure, crawlspace or subgrade crawlspace, Elevation Certificate is optional. 6 Pre-FIRM buildings with basement/enclosure/crawlspace/subgrade crawlspace may use this table if the rates are more favorable to the insured. ***SUBMIT FOR RATING. CONDO 16 October 1, 2009 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/ CRAWLSPACE5 MORE THAN ONE FLOOR NO BASEMENT/ENCLOSURE/ CRAWLSPACE5 MORE THAN ONE FLOOR WITH BASEMENT/ENCLOSURE/ CRAWLSPACE5 +4 .18/.08 .18/.08 .18/.08 +3 .18/.08 .18/.08 .18/.08 +2 .27/.08 .18/.08 .18/.08 +1 .49/.08 .28/.08 .23/.08 0 .74/.21 .71/.09 .55/.09 -14 See Footnote CONTENTS RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE CONTENTS LOCATION LOWEST FLOOR ONLY - ABOVE GROUND LEVEL (NO BASEMENT/ ENCLOSURE/CRAWLSPACE5) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER FLOORS (NO BASEMENT/ENCLOSURE/ CRAWLSPACE5) BASEMENT/ENCLOSURE/ CRAWLSPACE5 AND ABOVE ABOVE GROUND LEVELMORE 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 1.24/.12 .69/.12 .41/.12 .35/.12 -14 See Footnote 1Start of construction or substantial improvement on or before 12/31/74, or before the effective date of the initial Flood Insurance Rate Map (FIRM). 2Base deductible is $2,000. 3Base deductible is $1,000. 4Use Pre-FIRM Not Elevation-Rated AR and AR Dual Zones Rate Table above. 5Includes subgrade crawlspace. CONDO 17 October 1, 2009 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/ CRAWLSPACE5 MORE THAN ONE FLOOR NO BASEMENT/ENCLOSURE/ CRAWLSPACE5 MORE THAN ONE FLOOR WITH BASEMENT/ENCLOSURE/ CRAWLSPACE5 03 2.48/.46 1.99/.46 1.72/.46 -14 5.43/2.83 4.97/2.83 3.55/2.57 -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/ CRAWLSPACE5) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER FLOORS (NO BASEMENT/ENCLOSURE/ CRAWLSPACE5) BASEMENT/ENCLOSURE/ CRAWLSPACE5 AND ABOVE ABOVE GROUND LEVEL - MORE THAN ONE FULL FLOOR 03 4.09/.57 2.68/.63 1.50/.70 .56/.26 -14 9.01/4.37 5.32/3.37 1.77/.70 .56/.26 -2 *** *** *** .56/.26 1Policies 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 on page RATE 23 for V Zone Optional Rating. 2For 1981 Post-FIRM construction rating, refer to pages CONDO 19 and 20. 3These rates are to be used if the lowest floor of the building is at or above the BFE. 4Use Submit-for-Rate guidelines if the enclosure below the lowest floor of an elevated building, which is used for rating, is 1 or more feet below BFE. 5Includes subgrade crawlspace. ***SUBMIT FOR RATING. REGULAR PROGRAM – 1975-1981 POST-FIRM CONSTRUCTION UNNUMBERED V ZONE – ELEVATED BUILDINGS SUBMIT FOR RATING CONDO 18 October 1, 2009 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 .65 .53 +3 .79 .54 +2 1.03 .73 +1 1.59 1.25 0 2.03 1.87 - 1 2.69 2.59 - 2 3.53 3.53 - 3 4.55 4.78 -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 on page RATE 23 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 ½ 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. 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. See page RATE 20 for more details. 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 October 1, 2009 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 1.17 .67 +3 1.30 .68 +2 1.54 .86 +1 2.07 1.38 0 2.52 2.00 -15 3.12 2.72 -25 3.96 3.66 -35 4.98 4.91 -4 or lower5 *** *** 1Policies 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 on page RATE 23 for V Zone Optional Rating. 2Rates 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. 3With 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 page RATE 20 for details. 4Wave height adjustment is not required in those cases where the Flood Insurance Rate Map indicates that the map includes wave height. 5For buildings with obstruction, use Submit-for-Rate guidelines if the enclosure below the lowest elevated floor of an elevated, 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 October 1, 2009 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 $ 6 AR, AR DUAL ZONES $ 6 Post-’81 V1-V30, VE $ 20 ‘75-’81 V1-V30, VE $ 35 A99, B, C, X, D $ 6 Pre-FIRM A, AE, A1-A30, AO, AH $ 75 AR, AR DUAL ZONES $ 6 V, VE, V1-V30 $ 75 A99, B, C, X, D $ 6 1Use the ICC premium table contained in the Specific Rating Guidelines. 2Elevation-rated Pre-FIRM buildings should use Post-FIRM ICC premiums. CONDO 21 May 1, 2008 TABLE 7. RCBAP DEDUCTIBLE FACTORS – ALL ZONES Category One – Low-Rise Condominium Building-and-Contents Policies DEDUCTIBLE DEDUCTIBLE FACTOR OPTIONS 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 Two – 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 Three – 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 October 1, 2009 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 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: $3,000/$1,000 . Deductible Factor: .990 . Replacement Cost: $600,000 . Elevation Difference: N/A . 80% Coinsurance Amount: $480,000 . ICC Premium: $75 ($30,000 Coverage) . CRS Rating: N/A . CRS Discount: N/A Determined Rates: Building: .75/.80 Contents: .96/.89 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 .80 0 -10 140,000 1,040 CONTENTS 25,000 .96 240 75,000 .89 668 -9 100,000 899 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 1,939 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 75 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 2,014 . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . OTHER: CRS PREMIUM DISCOUNT % . . MORTGAGE PORTFOLIO PROTECTION PROGRAM SUBTOTAL 2,014 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT PROBATION SURCHARGE . ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. FEDERAL POLICY FEE 175 SIGNATURE OF INSURANCE AGENT/BROKER DATE(MM/DD/YY) TOTAL PREPAID AMOUNT 2,189 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $1,050 / Contents: $908 2. Apply Deductible Factor: Building: .990 x $1,050 = $1,040 / Contents: .990 x $908 = $899 3. Premium Reduction: Building: $1,050 – $1,040 = $10 / Contents: $908 - $899 = $18 4. Subtotal: $1,939 5. Add ICC Premium: $75 6. Subtract CRS Discount: N/A 7. Subtotal: $2,014 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $175 10. Total Prepaid Amount: $2,189 CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION Claim Payment is determined as follows: (Insurance Carried) 140,000 x (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.) 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: $1,000/$1,000 . Deductible Factor: 1.05 . Replacement Cost: $600,000 . Elevation Difference: N/A . 80% Coinsurance Amount: $480,000 . ICC Premium: $75 ($30,000 Coverage) . CRS Rating: N/A . CRS Discount: N/A Determined Rates: Building: .70/.55 Contents: .96/1.03 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 .55 660 159 480,000 3,339 CONTENTS 25,000 .96 240 25,000 1.03 308 27 50,000 575 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 3,914 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 75 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 3,989 . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . OTHER: CRS PREMIUM DISCOUNT % . . MORTGAGE PORTFOLIO PROTECTION PROGRAM SUBTOTAL 3,989 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT PROBATION SURCHARGE . ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. FEDERAL POLICY FEE 175 SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 4,164 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $3,180 / Contents: $548 2. Apply Deductible Factor: Building: 1.05 x $3,180 = $3,339 / Contents: 1.05 x $548= $575 3. Premium Reduction: Building: $3,339 - $3,180 = $159 / Contents: $575 - $548 = $27 4. Subtotal: $3,914 5. Add ICC Premium: $75 6. Subtract CRS Discount: N/A 7. Subtotal: $3,989 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $175 10. Total Prepaid Amount: $4,164 CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION Coinsurance Penalty does not apply since minimum insurance amount of 80% was met. 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: $6 ($30,000 Coverage) . CRS Rating: N/A . CRS Discount: N/A Determined Rates: Building: .28/.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 .28 2,100 0 .08 0 0 750,000 2,100 CONTENTS 25,000 .38 95 75,000 .12 90 0 100,000 185 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 2,285 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 6 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 2,291 . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . OTHER: CRS PREMIUM DISCOUNT % . . MORTGAGE PORTFOLIO PROTECTION PROGRAM SUBTOTAL 2,291 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT PROBATION SURCHARGE . ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. FEDERAL POLICY FEE 385 SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 2,676 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $2,100 / Contents: $185 2. Apply Deductible Factor: Building: 1.000 x $2,100 = $2,100 / Contents: 1.000 x $185 = $185 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $2,285 5. Add ICC Premium: $6 6. Subtract CRS Discount: N/A 7. Subtotal: $2,291 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $385 10. Total Prepaid Amount: $2,676 CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION Claim Payment is determined as follows: (Insurance Carried) 750,000 x (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.) 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: $6 ($30,000 Coverage) . CRS Rating: N/A . CRS Discount: N/A Determined Rates: Building: .18/.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 .18 648 240,000 .08 192 0 600,000 840 CONTENTS 15,000 .38 57 0 .12 0 0 15,000 57 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 897 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 6 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 903 . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . OTHER: CRS PREMIUM DISCOUNT % . . MORTGAGE PORTFOLIO PROTECTION PROGRAM SUBTOTAL 903 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT PROBATION SURCHARGE . ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. FEDERAL POLICY FEE 175 SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 1,078 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $840 / Contents: $57 2. Apply Deductible Factor: Building: 1.000 x $840 = $840 / Contents: 1.000 x $57 = $57 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $897 5. Add ICC Premium: $6 6. Subtract CRS Discount: N/A 7. Subtotal: $903 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $175 10. Total Prepaid Amount: $1,078 CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION Coinsurance Penalty does not apply since the minimum insurance amount of 80% was met. 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: $75 ($30,000 Coverage) . CRS Rating: 5 . CRS Discount: 25% Determined Rates: Building: .85/.21 Contents: .96/.71 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 .21 1,964 0 1,110,000 3,452 CONTENTS 25,000 .96 240 75,000 .71 533 0 100,000 773 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 4,225 ICC PREMIUM 75 SUBTOTAL 4,300 CRS PREMIUM DISCOUNT 25% -1,075 SUBTOTAL 3,225 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 735 TOTAL PREPAID AMOUNT 3,960 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $3,452 / Contents: $773 2. Apply Deductible Factor: Building: 1.000 x $3,452 = $3,452 / Contents: 1.000 x $773 = $773 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $4,225 5. Add ICC Premium: $75 6. Subtract CRS Discount: - $1,075(25%) 7. Subtotal: $3,225 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $735 10. Total Prepaid Amount: $3,960 CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION Claim Payment is determined as follows: (Insurance Carried) 1,110,000 x (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.) 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: $75 ($30,000 Coverage) . CRS Rating: 8 . CRS Discount: 10% Determined Rates: Building: .90/.29 Contents: .96/.86 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 .29 8,193 -221 3,000,000 9,547 CONTENTS 25,000 .96 240 75,000 .86 645 0 100,000 885 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 10,432 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 75 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 10,507 . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . OTHER: CRS PREMIUM DISCOUNT 10% -1,051 . MORTGAGE PORTFOLIO PROTECTION PROGRAM SUBTOTAL 9,456 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT PROBATION SURCHARGE . ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. FEDERAL POLICY FEE 735 SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 10,191 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $9,768 / Contents: $885 2. Apply Deductible Factor: Building: .940 x $9,840= $9,250 / Contents: 1.000 x $885 = $885 3. Premium Reduction: Building: $221(maximum discount since $9,768 - $9,183 = $585 exceeds the maximum) / Contents: $0 4. Subtotal: $10,432 5. Add ICC Premium: $75 6. Subtract CRS Discount: -$1,051(10%) 7. Subtotal: $9,456 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $735 10. Total Prepaid Amount: $10,191 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 whole dollar premium, round up if 50¢ or more; round down if less. Always submit gross premium. 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: $6 ($30,000 Coverage) . CRS Rating: 9 . CRS Discount: 5% Determined Rates: Building: 1.28/.05 Contents: .69/.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 1.28 2,240 11,825,000 .05 5,913 0 12,000,000 8,153 CONTENTS 15,000 .69 104 0 .12 0 0 15,000 104 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 8,257 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 6 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 8,263 . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . OTHER: CRS PREMIUM DISCOUNT 5% -413 . MORTGAGE PORTFOLIO PROTECTION PROGRAM SUBTOTAL 7,850 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT PROBATION SURCHARGE . ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. FEDERAL POLICY FEE 735 SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 8,585 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $8,153 / Contents: $104 2. Apply Deductible Factor: Building: 1.000 x $8,153 = $8,153 / Contents: 1.000 x $104 = $104 3. Premium Reduction/Increase: Building: $0 / Contents: $0 4. Subtotal: $8,257 5. Add ICC Premium: $6 6. Subtract CRS Discount: - $413 (5%) 7. Subtotal: $7,850 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $735 10. Total Prepaid Amount: $8,585 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 whole dollar premium, round up if 50¢ or more; round down if less. Always submit gross premium. 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: $75 ($30,000 Coverage) . CRS Rating: N/A . CRS Discount: N/A Determined Rates: Building: .90/.21 Contents: .96/1.03 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 .21 8,033 -111 4,000,000 9,497 CONTENTS 25,000 .96 240 75,000 1.03 773 0 100,000 1,013 RATE TYPE: (ONE BUILDING PER POLICY.BLANKET COVERAGE NOT PERMITTED) PAYMENT ANNUAL SUBTOTAL 10,510 . MANUAL . SUBMIT FOR RATING OPTION: ICC PREMIUM 75 . ALTERNATIVE . V-ZONE RISK RATING FORM . CREDIT CARD SUBTOTAL 10,585 . PROVISIONAL RATING . LEASED FEDERAL PROPERTY . OTHER: CRS PREMIUM DISCOUNT % . . MORTGAGE PORTFOLIO PROTECTION PROGRAM SUBTOTAL 10,585 THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT PROBATION SURCHARGE . ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. FEDERAL POLICY FEE 735 SIGNATURE OF INSURANCE AGENT/BROKER DATE (MM/DD/YY) TOTAL PREPAID AMOUNT 11,320 Premium Calculation: 1. Multiply Rate x $100 of Coverage: Building: $9,608 / Contents: $1,013 2. Apply Deductible Factor: Building: .980 x $9,608 = $9,416 / Contents:.980 x $1,013 =$993 3. Premium Reduction: Building: $111 (maximum discount since $9,608 - $9,416 = $192 exceeds the maximum) / Contents: $0 4. Subtotal: $10,510 5. Add ICC Premium: $75 6. Subtract CRS Discount: N/A 7. Subtotal: $10,585 8. Probation Surcharge: N/A 9. Add Federal Policy Fee: $735 10. Total Prepaid Amount: $11,320 CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION Claim Payment is determined as follows: (Insurance Carried) 4,000,000 x (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.) 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. I. LOWEST FLOOR DETERMINATION The following guidance, along with the comments accompanying each building drawing provided in this section, will help insurance agents 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 located in an A zone (any flood zone beginning with the letter A) has an attached garage, and the floor level of the garage is below the level of the building, and there is machinery/equipment on the floor of the garage that is below the Base Flood Elevation (BFE), the lowest floor is the garage floor unless the garage has proper openings (flood vents). See “Proper Openings” in the Definitions section. 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 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). 1. Enclosures with Openings 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 the 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 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 minimum of two openings must be provided, with positioning on at least two 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. . If the enclosure floor is partially subgrade, a minimum of two 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 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 flood waters. 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=1 579. If engineered openings are used as an alternative, the Write Your Own (WYO) Company or NFIP Servicing Agent must LFG 1 October 1, 2009 obtain a copy of the following documentation for their underwriting files: . 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: (a) a statement certifying that the openings are designed to automatically equalize hydrostatic flood loads on exterior walls by allowing the automatic entry and exit of floodwaters; (b) 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 (c) description of the installation requirements or limitations that, if not followed, will void the certification; or . 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. 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 (under­floor 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 one or more of the following conditions are met: . The enclosed space is finished (having more than 20 linear feet of 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, hot 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 . The enclosed space is constructed with non-breakaway 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 LFG 2 May 1, 2009 . 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 on page RATE 7 or page CONDO 19, as appropriate. Also use these rates if an enclosure has solid load-bearing 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 “D. Post-’81 V Zone Optional Rating” on page RATE 23. 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, pages CERT 1-3, 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, 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 Estimated 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 unnumbered A Zones, check with the community official to determine if there is an estimated Base Flood Elevation. If available, an EC that certifies the lowest floor elevation must be submitted. B. 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. In order to convert the Lowest Floor Elevation (LFE) measurement and Base Flood Elevation (BFE) to like form, the National Geodetic Survey (NGS) has developed a web page to assist stakeholders. To access, click on the National Geodetic Survey (NGS) website (www.ngs.noaa.gov). 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. C. 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 Estimated BFE), Zone AH, and Zone AO if the building has no basement or enclosure. LFG 2A October 1, 2009 This page intentionally left blank. LFG 2B May 1, 2009 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 9 - LFG 11 Non-Elevated Buildings for Pre- and Post-FIRM Risks in Flood Zones B, C, X, A99, and D ................................................................................ LFG 12 - LFG 14 Elevated Buildings for Pre- and Post-FIRM Risks in Flood Zones A, AO, and AH ....................................................................................... LFG 15 - LFG 20 Non-Elevated Buildings for Pre- and Post-FIRM Risks in Flood Zones A, AO, and AH ....................................................................................... LFG 21 - LFG 24 Non-Elevated Buildings for Pre- and Post-FIRM Risks in Flood Zones AE and A1-A30 ................................................................................................... LFG 25 - LFG 31 Elevated Buildings for Pre- and Post-FIRM Risks in Flood Zones AE and A1-A30 ............................................................................................................. LFG 32 - LFG 43 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 44 - LFG 48 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 49 - LFG 58 Elevated Buildings for Post-FIRM Risks in Flood Zones VE and V1-V30, Construction Date October 1, 1981, and After ............................................... LFG 59 - LFG 67 Non-Elevated Buildings for Post-FIRM Risks in Flood Zones VE and V1-V30, Construction Date October 1, 1981, and After .............................................................. LFG 68 LFG 8 October 1, 2009 LFG 9 May 1, 2008 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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. Building Description One floor and unfinished enclosed area Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Designed 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 . One 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. LFG 10 October 1, 2009 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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. Building Description Two floors and unfinished enclosed area Elevating Foundation of Building Solid perimeter load-bearing walls. No openings Type of Enclosure Unfinished crawlspace and garage Machinery or Equipment Servicing Building With or without machinery or equipment Lowest Floor for Rating No Elevation Certificate Required Application Should Show Building Type . Three 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. LFG 11 October 1, 2009 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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. Building Description One floor and finished or unfinished enclosed area Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Nonload-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 . Two 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. LFG 12 May 1, 2008 NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Building Description One floor on slab Machinery or Equipment Servicing Building N/A Lowest Floor for Rating No Elevation Certificate Required Application Should Show Building Type . One 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. LFG 13 October 1, 2009 NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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. Building Description Two 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 — Two 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. LFG 14 October 1, 2009 NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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. Building Description One 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 . Two 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. ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One 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 — One 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 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 rate. If LF1 elevation is less than BFE2, use Pre-FIRM rate table . A Zone with estimated BFE2: If LF1 elevation is equal to or greater than the estimated BFE2, use Post-FIRM rate table with the estimated base flood elevation category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category. A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 2 ft. or more, use Post-FIRM no estimated base flood elevation rate table. If the difference is 1 ft. 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 rate. If not, use without certification rate. AH Zone: If LF1 elevation is greater than or equal to BFE2, use with certification rate. If not, use without certification rate. A Zone with estimated BFE2: Use Post-FIRM rate table with the estimated base flood elevation category. If LF1 elevation is 2 or more feet below the estimated BFE2, submit the application to the NFIP for a rate. A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 1 ft. or more, use Post-FIRM rate table no estimated base flood elevation category. If difference is 0 or less, submit the application to the NFIP for a rate. LFG 15 October 1, 2009 LFG 16 October 1, 2009 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two 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 — Two 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 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 rate. If LF1 elevation is less than BFE2, use Pre-FIRM rate table. A Zone with estimated BFE2: If LF1 elevation is equal to or greater than the estimated BFE2, use Post-FIRM rate table with the estimated base flood elevation category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category. A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 2 ft. or more, use Post-FIRM no estimated base flood elevation rate table. If the difference is 1 ft. or less, 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. Submit the application to the NFIP for a rate. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 17 October 1, 2009 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor and unfinished enclosed area (See Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Designed 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 — One 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 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 rate. If LF1 elevation is less than BFE2, use Pre-FIRM rate table A Zone with estimated BFE2: If LF1 elevation is equal to or greater than the estimated BFE2, use Post-FIRM rate table with the estimated base flood elevation category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category. A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 2 ft. or more, use Post-FIRM no estimated base flood elevation rate table. If the difference is 1 ft. 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 rate. If not, use without certification rate. AH Zone: If LF1 elevation is greater than or equal to BFE2, use with certification rate. If not, use without certification rate. A Zone with estimated BFE2: Use Post-FIRM rate table with the estimated base flood elevation category. If LF1 elevation is 2 or more feet below the estimated BFE2, submit the application to the NFIP for a rate. A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 1 ft. or more, use Post-FIRM rate table no estimated base flood elevation category. If the difference is 0 or less, submit the application to the NFIP for a rate. ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two floors and unfinished enclosed area (See Elevation Certificate, Diagram 6) Elevating Foundation of Building Solid load-bearing walls. No openings Type of Enclosure Unfinished crawlspace and garage 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 . Three 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 NFIP for a rate. LFG 18 October 1, 2009 LFG 19 October 1, 2009 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor and finished or unfinished enclosed area (See Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Nonload-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 — Two 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 NFIP for a rate. ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. 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 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 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 rate. If LF1 elevation is less than BFE2, use Pre-FIRM rate table . A Zone with estimated BFE2: If LF1 elevation is equal to or greater than the estimated BFE2, use Post-FIRM rate table with the estimated base flood elevation category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category. A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 2 ft. or more, use Post-FIRM no estimated base flood elevation rate table. If the difference is 1 ft. 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 rate. If not, use without certification rate. AH Zone: If LF1 elevation is greater than or equal to BFE2, use with certification rate. If not, use without certification rate. A Zone with estimated BFE2: Use Post-FIRM rate table with the estimated base flood elevation category. If LF1 elevation is 2 or more feet below the estimated BFE2, submit the application to the NFIP for a rate. A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 1 ft. or more, use Post-FIRM rate table no estimated base flood elevation category. If difference is 0 or less, submit the application to the NFIP for a rate. LFG 20 October 1, 2009 LFG 21 October 1, 2009 NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One 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 or enclosure) Application Should Show Building Type — Two 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 NFIP for a rate. NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One 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 — One 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 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 rate. If LF1 elevation is less than BFE2, use Pre-FIRM rate table. A Zone with estimated BFE2: If LF1 elevation is equal to or greater than the estimated BFE2, use Post-FIRM rate table with the estimated base flood elevation category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category. A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 2 ft. or more, use Post-FIRM no estimated base flood elevation rate table. If the difference is 1 ft. 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 rate. If not, use without certification rate. AH Zone: If LF1 elevation is greater than or equal to BFE2, use with certification rate. If not, use without certification rate. A Zone with estimated BFE2: Use Post-FIRM rate table with the estimated base flood elevation category. If LF1 elevation is 2 or more feet below the estimated BFE2, submit the application to the NFIP for a rate. A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 1 ft. or more, use Post-FIRM rate table no estimated base flood elevation category. If difference is 0 or less, submit the application to the NFIP for a rate. LFG 22 October 1, 2009 LFG 23 October 1, 2009 NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two 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 — Two 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 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 rate. If LF1 elevation is less than BFE2, use Pre-FIRM rate table. A Zone with estimated BFE2: If LF1 elevation is equal to or greater than the estimated BFE2, use Post-FIRM rate table with the estimated base flood elevation category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category. A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 2 ft. or more, use Post-FIRM no estimated base flood elevation rate table. If the difference is 1 ft. or less, use Pre-FIRM rate table no basement/enclosure category. Post-FIRM Rating Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 24 October 1, 2009 NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two floors with garage on slab (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 — Two 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 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 rate. If LF1 elevation is less than BFE2, use Pre-FIRM rate table. A Zone with estimated BFE2: If LF1 elevation is equal to or greater than the estimated BFE2, use Post-FIRM rate table with the estimated base flood elevation category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure category. A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 2 ft. or more, use Post-FIRM no estimated base flood elevation rate table. If the difference is 1 ft. 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 rate. If not, use without certification rate. AH Zone: If LF1 elevation is greater than or equal to BFE2, use with certification rate. If not, use without certification rate. A Zone with estimated BFE2: Use Post-FIRM rate table with the estimated base flood elevation category. If LF1 elevation is 2 or more feet below the estimated BFE2, submit the application to the NFIP for a rate. A Zone without estimated BFE2: If difference between the LF1 and HAG4 is 1 ft. or more, use Post-FIRM rate table no estimated base flood elevation category. If difference is 0 or less, submit the application to the NFIP for a rate. NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One 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 — One 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 no basement/enclosure 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 no basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 25 October 1, 2009 LFG 26 October 1, 2009 NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two 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 — Two 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 no basement/enclosure 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 no basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 27 October 1, 2009 NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two 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. Application Should Show Building Type — Two 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 no basement/enclosure 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 no basement/enclosure category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two floors and subgrade crawlspace. (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 Subgrade crawlspace Application Should Show Building Type . Three 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 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 with basement/enclosure/crawlspace category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. See "G. Crawlspace" on page RATE 24. LFG 28 October 1, 2009 LFG 29 October 1, 2009 NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two 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 Basement Application Should Show Building Type . Three or more floors Is Building Elevated? . No Basement — Unfinished Pre-FIRM Rating5 If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate table 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 with basement/enclosure/crawlspace category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 30 October 1, 2009 NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One 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. Application Should Show Building Type — One 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 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 no basement/enclosure/crawlspace category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 31 October 1, 2009 NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. 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 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 with basement/enclosure/crawlspace category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 32 October 1, 2009 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two 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 Load-bearing walls No openings Finished or unfinished lower level 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 — Two 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 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 with basement/enclosure/crawlspace category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 33 October 1, 2009 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One 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 — One 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 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 no basement/enclosure/crawlspace category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 34 October 1, 2009 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two 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 — Two 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 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. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor and unfinished enclosed area (See Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Designed with proper openings3 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 — One 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 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 no basement/enclosure/crawlspace category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 35 October 1, 2009 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two floors and unfinished enclosed area (See Elevation Certificate, Diagram 8) Elevating Foundation of Building Solid load-bearing walls. No openings Type of Enclosure Unfinished crawlspace. Attached garage at lower level than crawlspace; garage above lowest adjacent grade 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 . Three 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 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 with basement/enclosure/crawlspace category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 36 October 1, 2009 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One floor and finished or unfinished enclosed area (See Elevation Certificate, Diagram 6) Elevating Foundation of Building Piers, posts, piles, or columns Type of Enclosure Nonload-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 — Two 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 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 with basement/enclosure/crawlspace category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 37 October 1, 2009 LFG 38 October 1, 2009 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One 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 — Two 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 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 with basement/enclosure/crawlspace category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two floors with crawlspace (See Elevation Certificate, Diagram 8) Elevating Foundation of Building Solid or partial perimeter walls Type of Enclosure Enclosed garage at same level as crawlspace Unfinished crawlspace without 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 Floor of crawlspace and garage Application Should Show Building Type — Three 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 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 with basement/enclosure/crawlspace category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 39 October 1, 2009 LFG 40 October 1, 2009 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two floors with crawlspace (See Elevation Certificate, Diagram 8) Elevating Foundation of Building Solid or partial perimeter walls Type of Enclosure Unfinished crawlspace and garage designed with proper openings3 Floor of crawlspace is at or above lowest adjacent grade Garage at same level as crawlspace Machinery or Equipment Servicing Building Without machinery or equipment in crawlspace Lowest Floor for Rating Top of next higher floor Application Should Show Building Type — Two 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 no 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 no basement/enclosure/crawlspace category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 41 October 1, 2009 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two floors with crawlspace (See Elevation Certificate, Diagram 8) Elevating Foundation of Building Solid or partial perimeter walls Type of Enclosure Unfinished crawlspace designed 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 — Two 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 no 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 no basement/enclosure/crawlspace category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 42 October 1, 2009 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two floors with crawlspace (See Elevation Certificate, Diagram 8) Elevating Foundation of Building Solid or partial perimeter walls Type of Enclosure Unfinished crawlspace without 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 — Three 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 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 with basement/enclosure/crawlspace category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. 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 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 rate if favorable. Manufactured (Mobile) Home rates must be used. If LF1 elevation is less than BFE2, use Pre-FIRM rate table no basement/enclosure 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 NFIP for a rate. LFG 43 October 1, 2009 LFG 44 October 1, 2009 NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V306 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One 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 — One 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 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 no basement/enclosure/crawlspace rates. If LF1 elevation is 2 or more feet below the BFE2 , submit the application to the NFIP for a rate. NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V306 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two 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 — Two 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 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 no basement/enclosure/crawlspace rates. If LF1 elevation is 2 or more feet below the BFE2 , submit the application to the NFIP for a rate. LFG 45 October 1, 2009 LFG 46 October 1, 2009 NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V306 1 4 LF.Lowest Floor HAG.Highest Adjacent Grade 2 5 BFE.Base Flood Elevation See page LFG 2 for optional elevation rating 36 See page LFG 1 for explanation of proper openings Non-elevated buildings with construction dates of October 1, 1981, and after are Submit-for-Rate Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One 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— One 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 no basement/enclosure 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 no basement/enclosure rates. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 47 October 1, 2009 NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V306 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Three 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 — Three 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 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 with basement/enclosure/crawlspace rates. If LF1 elevation is 2 or more feet below the BFE2 , submit the application to the NFIP for a rate. LFG 48 October 1, 2009 NON-ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V306 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. 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 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 with basement/enclosure/crawlspace rates. If LF1 elevation is 2 or more feet below the BFE2 , submit the application to the NFIP for a rate. LFG 49 October 1, 2009 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two 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 — Two 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 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 with basement/enclosure/crawlspace category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 50 October 1, 2009 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One 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 ½ 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. 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) Use 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 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 — One 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 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 no basement/enclosure/crawlspace rates. If LF1 elevation is 2 or more feet below the BFE2 , submit the application to the NFIP for a rate. LFG 51 October 1, 2009 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two 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 — Two 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 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 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. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. 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 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 rate if favorable. Manufactured (Mobile) Home rates must be used. 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 NFIP for a rate. LFG 52 October 1, 2009 LFG 53 October 1, 2009 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One 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 Building Type — One 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 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 no basement/enclosure/crawlspace rate category. If LF1 elevation is 2 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 54 October 1, 2009 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One 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 — Two 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 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 with basement/enclosure/crawlspace rate category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 55 October 1, 2009 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One 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 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 — Two 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 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 with basement/enclosure/crawlspace rate category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 56 October 1, 2009 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One 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 — Two 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 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 with basement/enclosure/crawlspace rate category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 57 October 1, 2009 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One 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 — Two 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 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 with basement/enclosure/crawlspace rate category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 58 October 1, 2009 ELEVATED BUILDINGS PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two 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 — Three 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 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 with basement/enclosure/crawlspace rate category. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 59 October 1, 2009 ELEVATED BUILDINGS POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30 — CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One 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 ½ 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. 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) Use 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 Servicing Building No machinery or equipment below elevated floor Lowest Floor for Rating Bottom of lowest horizontal structural member Application Should Show Building Type — One 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 NFIP for a rate. LFG 60 October 1, 2009 ELEVATED BUILDINGS POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One 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 — One floor Is Building Elevated? — Yes Is area below the elevated floor enclosed? — No V-Zone Rating; Construction Date October 1, 1981 and After Elevated buildings on posts, piers, pilings, or columns and with the lowest elevated floor below the BFE unfinished and used for building access only. Submit the application to the NFIP for a rate. LFG 61 October 1, 2009 ELEVATED BUILDINGS POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two 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 — Two floors Is Building Elevated? — Yes Is area below the elevated floor enclosed? — No 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. If LF1 elevation is 1 or more feet below the BFE2, submit the application to the NFIP for a rate. LFG 62 October 1, 2009 ELEVATED BUILDINGS POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One 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 — Two 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 NFIP for a rate. ELEVATED BUILDINGS POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One 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 — Two 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 NFIP for a rate. LFG 63 October 1, 2009 LFG 64 October 1, 2009 ELEVATED BUILDINGS POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One 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 — Two 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 NFIP for a rate. LFG 65 October 1, 2009 ELEVATED BUILDINGS POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One 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 — Two 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 NFIP for a rate. ELEVATED BUILDINGS POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description One 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 — Two 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 NFIP for a rate. LFG 66 October 1, 2009 LFG 67 October 1, 2009 Building Description Two 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 — Three 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 NFIP for a rate. ELEVATED BUILDINGS POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. LFG 68 October 1, 2009 NON-ELEVATED BUILDINGS POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER 1 LF . Lowest Floor 4 HAG . Highest Adjacent Grade 2 BFE . Base Flood Elevation 5 See page LFG 2 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 Letters and numbers in parentheses, as “(A8.c)” or “(C2.a),” correspond to Section A or Section C of the Elevation Certificate NOTE: Above references may not apply to this page. Building Description Two 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 — Two floors Basement — None Is Building Elevated? — No V-Zone Rating; Construction Date October 1, 1981 and After Submit the application to the NFIP for a rate. SPECIAL CERTIFICATIONS This section presents detailed instructions for the completion of the National Flood Insurance Program (NFIP) Elevation Certificate 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 (EC) 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 two photographs of the building must accompany. This additional information will significantly enhance the agent’s and company underwriter’s ability to properly rate elevation-rated risks. Current photograph requirements, and exceptions to them, are described in Section II. below. Beginning April 1, 2009, the 2009 EC form and instructions (shown on pages CERT 11-25) are being phased in on a voluntary basis until April 1, 2010. Elevations certified on or after April 1, 2010, must be submitted on the 2009 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 two or more ECs are submitted on one property, 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 under any circumstances. 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 the policy can be properly rated, as follows (also see pages LFG 1-2A): . All Post-FIRM structures The EC is to be completed by a land surveyor, engineer, or 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 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 structures rated using Post-FIRM rates Pre-FIRM construction can be elevation rated using the 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. Detailed instructions for completion are provided with the EC. The producer is to attach the original of the completed EC to the Application. A photocopy is to be forwarded to the policyholder and a copy is retained by the producer. II. PHOTOGRAPH REQUIREMENTS Generally, all new business applications for elevation-rated risks with a policy effective date of January 1, 2007, or later must be submitted with a least two 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 two additional photographs showing views of both sides of the building must be submitted. . Exception 1: When an agent moves his or her book of business from one WYO company to another, or when one WYO company acquires another’s book of business, photographs are not required. 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 and WYO company, 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 re-rating 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, two 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 Elevation Certificate submitted without the required photographs is not considered valid for rating, unless the building is in the course of construction. Each WYO company may 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 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, 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 two 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. Section B – Flood Insurance Rate Map (FIRM) Information The Flood Insurance Rate Map (FIRM) information includes the following: . FIRM panel effective date and revised 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 Coastal Barrier Resources System section of this manual for flood insurance coverage eligibility. 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 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, 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 shoot 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 must convert any metric elevation readings into feet before calculating the flood insurance premium. 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. 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 community-issued BFE) and Zone AO, a property owner or owner’s authorized representative may complete Sections A, B, and E. 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. 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 E4. IV. FLOODPROOFING CERTIFICATE A. Purpose and Eligibility . In certain circumstances, floodproofing may be permitted as an alternative to elevating to or above the Base Flood Elevation (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 estimated 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 5. . The allowable methods of floodproofing for non-residential 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 without human intervention, its floodproofed walls will not collapse, and the floor at the base of the floodproofed walls will resist flotation during flooding conditions. 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. 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 pages RATE 31-32 for information on rounding elevations. D. Certification . 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 estimated BFE and located in a FEMA-approved community that is listed on the next page. To receive credit for flood-proofing, 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. . 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 estimated BFE, in order to receive credit for floodproofing in lieu of elevation. This page intentionally left blank. This page intentionally left blank. This page intentionally left blank. PREFERRED RISK POLICY I. GENERAL DESCRIPTION The Preferred Risk Policy (PRP) offers low-cost coverage to owners and tenants of eligible buildings located in the moderate-risk B, C, and X com Zones in munities. NFIP Regular Program 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 one building can be insured per policy, and only one policy can be written on each building. II. ELIGIBILITY REQUIREMENTS A. Flood Zone To be eligible for building/contents coverage or contents-only coverage under the PRP, the building must be in a B, C, or X Zone on the effective date of the policy. However, for the purpose of determining the flood zone, the agent may use the FIRM in effect at the time of application and presentment of premium. The flood map available at the time of the renewal offer determines a building’s continued eligibility for the PRP. (See V. RENEWAL.) NFIP map 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—one- to four-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, each more than $1,000; or . 3 or more flood insurance claim payments, regardless of amount; or . 2 Federal flood disaster relief payments (including loans and grants), each more than $1,000; or . 3 Federal flood disaster relief payments (including loans and grants), regardless of amount; or . 1 flood insurance claim payment and 1 Federal flood disaster relief payment (including loans and grants), each more than $1,000. In reviewing a building’s flood loss history for PRP eligibility, be aware that: . A flood insurance claim payment (building and/or contents) and a Federal flood disaster relief payment (including loans and grants) for the same loss are considered a single payment. . 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 October 1, 2008 III. INELIGIBILITY signed and dated by a surveyor, engineer, For help in determining eligibility/ineligibility architect, or local community official of various condominium risks, use the PRP . A flood zone determination certification that Condominium Rating Chart on the next page. guarantees the accuracy of the information. . Properties in Special Flood Hazard Areas or in Emergency Program communities are not eligible for the PRP. . Residential condominium associations eligible under the Residential Condominium Building Association Policy are not eligible for the PRP. . Individual residential condominium units in non-residential 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 Preferred Risk Policy new business applications must include documentation of eligibility for the PRP. Such applications must be accompanied by one 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 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 An agent writing through a Write Your Own (WYO) company should contact that company for guidance. V. RENEWAL An eligible risk renews automatically without 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 conventional Standard Flood Insurance Policy (SFIP). Effective May 1, 2008, if there has been a map change during the policy term that may affect the insured property, proof of the property’s continued eligibility for the PRP must be provided for the policy to be renewed. See IV. DOCUMENTATION. VI. COVERAGE LIMITS The elevated building coverage limitation provisions do not apply to the PRP. VII. REPLACEMENT COST COVERAGE Replacement cost coverage applies only if the building is the principal residence of the insured and the building coverage chosen is at least 80 percent of the replacement cost of the building at the time of the loss, or the maximum coverage available under the NFIP. VIII. DISCOUNTS/FEES/ICC PREMIUM . No Community Rating System discount is associated with the PRP. . The $50.00 Community Probation Surcharge is added, when applicable. . The Federal Policy Fee of $13.00 is included in the premium and is not subject to commission. . The ICC premium of $6.00 is included. IX. DEDUCTIBLES The standard deductible for PRPs is $1,000 each for building and contents, applied separately. Optional deductibles are not available for PRPs. PRP 2 October 1, 2009 PREFERRED RISK POLICY CONDOMINIUM RATING CHART RESIDENTIAL SINGLE UNIT BUILDING OR TOWNHOUSE/ROWHOUSE TYPE.BUILDING WITH SEPARATE ENTRANCE FOR EACH UNIT PRP 3 May 1, 2008 PURCHASER OF POLICY Building Occupancy1 Condo Unit Indicator1 PRP Eligibility Rate Table2 Policy Form UNIT OWNER SINGLE FAMILY Yes Yes One- to Four-Family Residential DWELLING ASSOCIATION (SINGLE UNIT ONLY) SINGLE FAMILY Yes Yes One- to Four-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 Table2 Policy Form UNIT OWNER 2-4 Yes Yes One- to Four-Family Residential DWELLING ASSOCIATION (SINGLE UNIT ONLY) 2-4 Yes Yes One- to Four-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 Table2 Policy Form UNIT OWNER OTHER RESIDENTIAL Yes Yes Other Residential DWELLING ASSOCIATION (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 Table2 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 One- to Four-Family Residential or Other Residential if 5 or more units DWELLING ASSOCIATION NON-RESIDENTIAL N/A Yes Non-Residential Building and Contents GENERAL PROPERTY 1When there is a mixture of residential and commercial usage within a single building, please refer to the GR Section of the Flood Insurance Manual. 2All building rates are based on the lowest floor of the building. PRP COVERAGES AVAILABLE EFFECTIVE MAY 1, 2008 ONE- TO FOUR-FAMILY RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1, 2, 3 With Basement or Enclosure5 Without Basement or Enclosure6 Building Contents Premium Building Contents Premium $ 20,000 $ 8,000 $144 $ 20,000 $ 8,000 $119 $ 30,000 $ 12,000 $173 $ 30,000 $ 12,000 $148 $ 50,000 $ 20,000 $221 $ 50,000 $ 20,000 $196 $ 75,000 $ 30,000 $260 $ 75,000 $ 30,000 $230 $100,000 $ 40,000 $287 $100,000 $ 40,000 $257 $125,000 $ 50,000 $307 $125,000 $ 50,000 $277 $150,000 $ 60,000 $326 $150,000 $ 60,000 $296 $200,000 $ 80,000 $361 $200,000 $ 80,000 $326 $250,000 $100,000 $388 $250,000 $100,000 $348 ALL RESIDENTIAL CONTENTS-ONLY COVERAGE1, 2, 4 Contents Above Ground Level More Than One Floor All Other Locations (Basement-Only Not Eligible) Contents Premium Contents Premium $ 8,000 $ 39 $ 8,000 $ 58 $ 12,000 $ 53 $ 12,000 $ 80 $ 20,000 $ 81 $ 20,000 $113 $ 30,000 $ 93 $ 30,000 $130 $ 40,000 $105 $ 40,000 $147 $ 50,000 $117 $ 50,000 $164 $ 60,000 $129 $ 60,000 $181 $ 80,000 $153 $ 80,000 $201 $100,000 $177 $100,000 $221 OTHER RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1, 2, 3 With 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 $151 $165 $178 $191 $203 $214 $225 $235 $245 $ 30,000 $165 $179 $192 $205 $217 $228 $239 $249 $259 $ 50,000 $199 $213 $226 $239 $251 $262 $273 $283 $293 $ 75,000 $215 $229 $242 $255 $267 $278 $289 $299 $309 $100,000 $237 $251 $264 $277 $289 $300 $311 $321 $331 $125,000 $244 $258 $271 $284 $296 $307 $318 $328 $338 $150,000 $249 $263 $276 $289 $301 $312 $323 $333 $343 $200,000 $280 $294 $307 $320 $332 $343 $354 $364 $374 $250,000 $297 $311 $324 $337 $349 $360 $371 $381 $391 OTHER RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1, 2, 3 Without Basement or Enclosure6 Contents Coverage $8,000 $12,000 $20,000 $30,000 $40,000 $50,000 $60,000 $80,000 $100,000 Building Coverage $ 20,000 $123 $135 $146 $157 $167 $177 $186 $195 $203 $ 30,000 $141 $152 $163 $174 $184 $194 $203 $212 $220 $ 50,000 $176 $187 $198 $209 $219 $229 $238 $247 $255 $ 75,000 $196 $207 $218 $228 $238 $248 $257 $266 $274 $100,000 $214 $225 $236 $246 $256 $266 $275 $284 $292 $125,000 $223 $234 $245 $255 $265 $274 $283 $292 $300 $150,000 $230 $241 $252 $262 $272 $281 $290 $299 $307 $200,000 $258 $269 $280 $290 $300 $309 $318 $326 $334 $250,000 $273 $284 $295 $305 $315 $324 $333 $341 $349 1Add the $50.00 Probation Surcharge, if applicable. 2Premium includes Federal Policy Fee of $13.00. 3Premium includes ICC premium of $6.00. Deduct this amount if the risk is a condominium unit. 4Use this “All Residential Contents-Only Coverage” premium table for individual residential condominium unit contents-only policies. 5Do not use this section of the table for buildings with crawlspaces or subgrade crawlspaces. See footnote 6. 6Use this section of the table for buildings with crawlspaces or subgrade crawlspaces. PRP 4 October 1, 2009 PRP COVERAGES AVAILABLE EFFECTIVE MAY 1, 2008 (cont’d.) NON-RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1, 2, 3 With 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 $ 880 $1,139 $1,387 $1,623 $1,848 $2,062 $2,265 $2,456 $2,636 $2,805 $100,000 $1,254 $1,513 $1,760 $1,996 $2,221 $2,435 $2,638 $2,829 $3,009 $3,178 $150,000 $1,529 $1,788 $2,035 $2,271 $2,496 $2,710 $2,913 $3,104 $3,284 $3,453 $200,000 $1,678 $1,937 $2,184 $2,420 $2,645 $2,859 $3,062 $3,253 $3,433 $3,602 $250,000 $1,783 $2,042 $2,289 $2,525 $2,750 $2,964 $3,167 $3,358 $3,538 $3,707 $300,000 $1,899 $2,158 $2,405 $2,641 $2,866 $3,080 $3,283 $3,474 $3,654 $3,823 $350,000 $2,027 $2,286 $2,533 $2,769 $2,994 $3,208 $3,410 $3,601 $3,781 $3,950 $400,000 $2,111 $2,370 $2,617 $2,853 $3,078 $3,292 $3,494 $3,685 $3,865 $4,034 $450,000 $2,207 $2,466 $2,713 $2,949 $3,174 $3,388 $3,590 $3,781 $3,961 $4,130 $500,000 $2,312 $2,571 $2,818 $3,054 $3,279 $3,493 $3,695 $3,886 $4,066 $4,235 NON-RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1, 2, 3 Without Basement or Enclosure5 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 $ 550 $ 688 $ 820 $ 946 $1,066 $1,180 $1,288 $1,390 $1,486 $1,576 $100,000 $ 742 $ 880 $1,012 $1,138 $1,258 $1,372 $1,480 $1,582 $1,678 $1,768 $150,000 $ 885 $1,023 $1,155 $1,281 $1,401 $1,515 $1,623 $1,725 $1,821 $1,911 $200,000 $1,034 $1,172 $1,304 $1,430 $1,550 $1,664 $1,772 $1,874 $1,970 $2,060 $250,000 $1,134 $1,272 $1,404 $1,530 $1,650 $1,764 $1,872 $1,974 $2,070 $2,160 $300,000 $1,240 $1,378 $1,510 $1,636 $1,756 $1,870 $1,978 $2,080 $2,176 $2,266 $350,000 $1,297 $1,435 $1,567 $1,693 $1,813 $1,927 $2,035 $2,137 $2,233 $2,323 $400,000 $1,360 $1,498 $1,630 $1,756 $1,876 $1,990 $2,098 $2,200 $2,296 $2,386 $450,000 $1,429 $1,567 $1,699 $1,825 $1,945 $2,059 $2,167 $2,269 $2,365 $2,455 $500,000 $1,504 $1,642 $1,774 $1,900 $2,020 $2,134 $2,242 $2,344 $2,440 $2,530 NON-RESIDENTIAL CONTENTS-ONLY COVERAGE1, 2 Contents Above Ground Level More Than One Floor All Other Locations (Basement-Only Not Eligible) Contents Premium Contents Premium $ 50,000 $145 $ 50,000 $ 330 $100,000 $220 $100,000 $ 500 $150,000 $295 $150,000 $ 670 $200,000 $370 $200,000 $ 840 $250,000 $445 $250,000 $1,010 $300,000 $520 $300,000 $1,180 $350,000 $595 $350,000 $1,350 $400,000 $670 $400,000 $1,520 $450,000 $745 $450,000 $1,690 $500,000 $820 $500,000 $1,860 1Add the $50.00 Probation Surcharge, if applicable. 2Premium includes Federal Policy Fee of $13.00. 3Premium includes ICC premium of $6.00. Deduct this amount if the risk is a condominium unit. 4Do not use this section of the table for buildings with crawlspaces or subgrade crawlspaces. See footnote 5. 5Use this section of the table for buildings with crawlspaces or subgrade crawlspaces. PRP 5 October 1, 2009 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 page END 5 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 B, C, or X Zone policy and later found to be eligible for a PRP may be endorsed or rewritten as a PRP for only the current policy term. 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 writing company 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. . 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 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 B, C, or X Zone building limit. For a standard contents-only policy, the contents coverage will be equal to the limit issued under the standard 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 MAP REVISION, LOMA, OR LOMR A standard rated policy may be 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 policy may be canceled/rewritten using Cancellation Reason Code 24 under the following conditions: . The request to cancel/rewrite the standard policy must be received during the policy term or within 6 months of the policy expiration date. . The standard 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 policy, or to the next higher limit available under the PRP if there is no PRP option equal to the standard policy building and/or contents limit. XIII. CONVERSION OF PRP TO STANDARD RATED POLICY A Preferred Risk Policy must be canceled and rewritten to a standard rated policy if the risk no longer meets the PRP eligibility requirements. The building and/or contents coverage on the new standard policy must be equal to the building limit and/or contents limit issued under the PRP. XIV. 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 a RENEWAL of an existing policy. If the application is for a renewal, enter the current NFIP policy number. B. Policy Term The PRP is available only for 1-year terms. 1. Check the appropriate box to indicate who should receive the renewal bill. If BILL FIRST MORTGAGEE is checked, complete "First Mortgagee" section. If BILL SECOND MORTGAGEE, BILL LOSS PAYEE, or BILL OTHER is checked, provide mailing instructions in "Second Mortgagee or Other" section. PRP 6 October 1, 2009 2. 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 to the date of application in the "Signature" section. Above these dates, check the appropriate box to indicate whether the waiting period is STANDARD 30-DAY or LOAN TRANSACTION–NO WAITING. Refer to the General Rules section, pages GR 8-9, for the applicable waiting period. C. Agent Information Enter the agent's (producer's) name, agency name and number, address, city, state, ZIP Code, telephone number, fax number, and Tax I.D. Number. D. Insured’s Mailing Address 1. Enter the name, mailing address, city, state, ZIP Code, and telephone number of the insured. 2. 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, complete the "Property Location" section of the application. E. Disaster Assistance 1. Check YES if flood insurance is being required for disaster assistance. Enter the insured's Case File Number, Disaster Assistance Number, or Tax I.D. Number on the line for CASE FILE NUMBER. 2. In the "Second Mortgagee or Other" block, identify the government (disaster) agency, and enter the complete name and mailing address of the disaster agency. 3. If NO is checked, no other information is required. F. First Mortgagee Enter the name, mailing address, city, state, ZIP Code, telephone number, and fax number of the first mortgagee. Enter the loan number. G. Second Mortgagee or Other 1. Identify additional mortgagees by checking the appropriate box and entering the loan number, mortgagee's name, mailing address, telephone number, and fax number. 2. If more than one additional mortgagee or disaster assistance agency exists, provide the requested information on the producer's letterhead. H. Property Location 1. Check YES if the location of the property being insured is the same as the address entered in the "Insured’s Mailing Address" section. Leave the rest of this section blank unless there is more than one building at the property location. 2. If more than one building is at the location of the insured property, use this section to specifically identify the building to be insured. Briefly describe the building or submit a sketch showing the location of insured buildings to assist the NFIP in matching the policy number to the specific building insured. 3. If NO, provide the address or location of the property to be insured. 4. 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. I. Community 1. Enter the name of the county or parish where the property is located. 2. Enter the community identification number, map panel number, and revision suffix for the community where the property is located. Use the FIRM in effect and that has been published at the time of presentment of premium and completion of application. Community number and status may be obtained by calling the writing company, consulting a local community official, or referencing the NFIP Community Status Book online at www.fema.gov/fema/csb.shtm. 3. Enter the Flood Insurance Rate Map zone. 4. Identify the information source. 5. 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. PRP 7 October 1, 2009 J. Building and Contents Complete all required information in this section. 1. Check building occupancy: Single Family, 2-4 Family, Other Residential, or Non-Residential (incl. Hotel/Motel). 2. Enter date of construction. Check building type. If the building has a basement, enclosure, crawlspace, or subgrade crawlspace, count the basement, enclosure, crawlspace, or subgrade crawlspace as a floor. If the building type is a manufactured (mobile) home/travel trailer on foundation, enter the make, model, and serial number in the block at the bottom of this section. 4. Check YES, if the building is under a Condominium Form of Ownership; otherwise check NO. (A homeowners association [HOA] may differ from a condominium form of ownership.) 5. Check location of building’s contents. (Contents located entirely in a basement are not eligible for contents-only coverage.) 6. Check YES if the building is the insured's principal residence; otherwise, check NO. 7. Using normal company practice, estimate the replacement cost value and enter the value in the space provided. Include the cost of the building foundation when determining the replacement cost value. 8. Indicate whether the building has a Basement, Enclosure, Crawlspace, or Subgrade Crawlspace. K. Notice If the answer to either question A or question B is YES, this risk is not eligible for the Preferred Risk Policy. L. Premium 1. Enter the coverage selected, and the premium, from the appropriate table on pages PRP 4-5. 2. Add the $50.00 Probation Surcharge, if applicable. Deduct $6.00 if this is an application for a condominium unit. M. Signature The producer must sign the Preferred Risk Policy Application and is responsible for the completeness and accuracy of the information provided on it. Enter the date of application (month/day/year). The waiting period is added to this date to determine the policy effective date of the policy listed in the Policy Term section. A check or money order for the Total Prepaid Amount, payable to the NFIP, must accompany the application. Electronics 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, Diner’s Club, or American Express will also be acceptable if a disclaimer form, signed by the insured, is submitted with the Preferred Risk Policy 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 producer, the producer may sign the authorization form on behalf of the payor only after having read the disclaimer to the payor. PRP 8 October 1, 2009 This page intentionally left blank. PRP 10 October 1, 2009 MORTGAGE PORTFOLIO PROTECTION PROGRAM I. BACKGROUND 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 various requirements of the MPPP usually results in mortgagors, after their notification of the need for flood insurance, either showing evidence of such a policy, or contacting their local insurance agent or appropriate Write Your Own (WYO) company 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. MORTGAGE PORTFOLIO PROTECTION PROGRAM RATE AND INCREASED COST OF COMPLIANCE (ICC) TABLE1, 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 3.39 3.42 N/A A Zones - All building & occupancy types, except A99, AR, AR Dual Zones 3.39 / 1.71 3.42 / 1.63 75.00 V Zones - All building & occupancy types 5.05 / 5.05 4.74 / 4.74 75.00 A99 Zone, AR, AR Dual Zones .87 / .51 1.16 / .46 6.00 1Add Federal Policy Fee and Probation Surcharge, if applicable, when computing the premium. 2MPPP policies are not eligible for Community Rating System premium discounts. 3Basic and additional insurance limits are shown on page RATE 1. 4ICC coverage does not apply to contents-only policies or to individually owned condominium units insured under the Dwelling Form or General Property Form. 5The ICC premium is not eligible for the deductible discount. First calculate the deductible discount, then add in the ICC premium. II. REQUIREMENTS FOR PARTICIPATING 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's 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 local agent. 2. When a mortgagee or a mortgage servicing company discovers, at any time following loan origination, that one or more of the loans in its portfolio is determined to be located in a Special Flood Hazard Area (SFHA), and that there is no evidence of flood insurance on such property(ies), then the MPPP may be used by such lender/servicer to obtain (force place) the required flood insurance coverage. The MPPP process can be accomplished with limited underwriting information and with special flat 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 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 Arrangement Article III—Fees 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 Fees for Lenders/Servicers or Others 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 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 B. During Last 75 Days of Policy Term 1. If the original Renewal Notice has not been paid, the 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 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 Endorsement 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. PREPARATION OF FORM A. General Instructions Endorsements are processed by submitting a completed General Change Endorsement form and proper documentation (see III.B.2.a.) to the writing company. 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, Ohio 43014 The property location should be completed as: Farmhouse on the north side of U.S. 70, 6 miles west of Danville, Ohio 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 current 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 of record. B. Refund Processing Procedures 1. The current NFIP insurer (WYO Company or Direct Business) will be responsible for returning the premium for the current and 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 submit requests to their carrier. 2. Requests for refunds for more than 2 years must be processed by the NFIP Bureau. a. For requests processed by the Bureau, the current NFIP insurer must submit all of the documentation necessary to END 3 October 1, 2009 make a refund for any period exceeding 2 years. At a minimum, this documen-tation 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 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 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, engineer, architect, or local community official; or a flood zone determination certification that guarantees the accuracy of the information. b. In order for the Bureau to process a refund request, the appropriate documentation must be mailed directly to the NFIP Bureau and Statistical Agent, Underwriting Department, 8400 Corporate Drive, 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 and Statistical Agent will return to the sender any unauthorized refund requests for more than 2 years. IV. ENDORSEMENT RATING EXAMPLES 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 Removing Contents ................................................................................. END 10 Example 6 Reducing Building Coverage ................................................................... END 11 Example 7 Increasing Deductible .............................................................................. END 12 EXAMPLE 1 INCREASING COVERAGE ON A PREFERRED RISK POLICY . Policy term is October 15, 2009-2010 $200,000 on the building and $80,000 on the contents. . Pre-FIRM, X-Zone, with basement . Rates in effect on the effective date of the policy are to be used in calculating the premiums. . Present coverage: Building $75,000/Contents $30,000 . The difference between these two premiums is $99. . Premium at policy inception was $232. . Prorate the Difference. . Endorsement effective date is April 2, 2010. Time period is April 2, 2010, . Coverages added are $125,000 on the building to October 15, 2010 and $50,000 on the contents for a total of Number of days is 169 Pro rata factor is .537 INSURANCE COVERAGE SECTION A CURRENT COVERAGE + INCREASED SECTION B — DECREASED COVERAGE ONLY NEW PREMIUM TOTALS AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM BUILDING BASIC 75,000 . 232 125,000 . 331 331 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 331 BUILDING COVERAGE CONTENTS COVERAGE DEDUCT. DISCOUNT/SURCHARGE . BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL SUBTOTAL 331 . . 200,000 . . 80,000 ICC PREMIUM . SUBTOTAL 331 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. SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) CRS PREMIUM DISCOUNT ____% . SUBTOTAL 331 PREMIUM PREVIOUSLY PAID (Excludes Probation Surcharge/ Federal Policy Fee) 232 DIFFERENCE + (+/-) +99 PRO RATA FACTOR .537 TOTAL (+/-) +53 EXAMPLE 2 INCREASING COVERAGE, PROGRAM CONVERSION . Policy term is January 15, 2009-2010 . 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, 2009 . Building located in an A99 Zone . Premium rates are: Building .78/.21, Contents 1.20/.37. . Endorsement effective date is October 14, 2009. (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, 2009, to January 15, 2010 Number of days is 272 Pro rata factor is .255 INSURANCE COVERAGE SECTION A CURRENT COVERAGE SECTION B + INCREASED — DECREASED COVERAGE ONLY NEW PREMIUM TOTALS AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM 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: SUBTOTAL 790 BUILDING COVERAGE CONTENTS COVERAGE CREDIT CARD DEDUCT. DISCOUNT/SURCHARGE . BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL OTHER: SUBTOTAL 790 60,000 25,000 85,000 25,000 25,000 ICC PREMIUM 6 SUBTOTAL 796 IF RETURN PREMIUM, MAIL REFUND TO: . INSURED . AGENT . PAYOR. THE ABOVE CRS PREMIUM DISCOUNT ____% . STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT SUBTOTAL 796 ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. 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 EXAMPLE 3 INCREASING COVERAGE . Policy term is December 12, 2009-2010 . $10,000 of the $15,000 coverage to be added on the contents must be calculated under the . Single family dwelling, no basement “Amount” column under Section B, “Increased .. Pre-FIRM Building Building located in Zone C Decreased Coverage Only” (using the applicable rate) to amend the present coverage to the threshold for the Regular Program basic limits. . Present coverage: Building $35,000/ Contents $10,000 . Add Section A and B premiums to obtain the New Premium Totals. . Add the New Premium Totals to calculate the . Endorsement is effective on May 1, 2010, to add additional coverage of $65,000 on the building and $15,000 on the contents for a total of . Premium Subtotal. Add in the ICC Premium. . $100,000 building coverage and $25,000 contents coverage. Premium rates are: Building .78/.21, Contents 1.20/.37. . The Premium Previously Paid is $358 (excluding Probation Surcharge/Federal Policy Fee) which is the total current annual premium including ICC premium. . 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. . . Subtract the Premium Previously Paid from the Premium Total to obtain the Difference (should be additional/return premium). Prorate the Difference. . $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 Time period is May 1, 2010, to December 12, 2010 Coverage Only” (using the applicable rate) to amend the present coverage to the threshold for the Regular Program basic limits. Number of days is 140 Pro rata factor is .616 INSURANCE COVERAGE SECTION A CURRENT COVERAGE + INCREASED SECTION B — DECREASED COVERAGE ONLY NEW PREMIUM TOTALS AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM 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: SUBTOTAL 852 BUILDING COVERAGE CONTENTS COVERAGE CREDIT CARD DEDUCT. DISCOUNT/SURCHARGE . BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL OTHER: SUBTOTAL 852 60,000 40,000 100,000 25,000 0 25,000 ICC PREMIUM 6 SUBTOTAL 858 IF RETURN PREMIUM, MAIL REFUND TO: . INSURED . AGENT . PAYOR. THE ABOVE CRS PREMIUM DISCOUNT ____% . STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT SUBTOTAL 858 ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. PREMIUM PREVIOUSLY PAID (Excludes Probation Surcharge/ Federal Policy Fee) 358 DIFFERENCE + (+/-) +500 SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) PRO RATA FACTOR .616 TOTAL (+/-) +308 EXAMPLE 4 INCREASING COVERAGE AFTER A RATE CHANGE . Policy term is July 15, 2009-2010 . Single family dwelling, Regular Program . One 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, 2009 . 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, 2009. . 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 $528 (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, 2009, to July 15, 2010 Number of days is 92 Pro rata factor is .748 INSURANCE COVERAGE SECTION A CURRENT COVERAGE SECTION B + INCREASED — DECREASED COVERAGE ONLY NEW PREMIUM TOTALS AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM 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: SUBTOTAL 830 BUILDING COVERAGE CONTENTS COVERAGE CREDIT CARD DEDUCT. DISCOUNT/SURCHARGE . BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL OTHER: SUBTOTAL 830 45,000 0 45,000 15,000 0 15,000 ICC PREMIUM 6 SUBTOTAL 836 IF RETURN PREMIUM, MAIL REFUND TO: . INSURED AGENT . PAYOR. THE ABOVE CRS PREMIUM DISCOUNT ____% . STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT SUBTOTAL 836 ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. PREMIUM PREVIOUSLY PAID (Excludes Probation Surcharge/ Federal Policy Fee) 528 DIFFERENCE + (+/-) +308 SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) PRO RATA FACTOR .748 TOTAL (+/-) +230 EXAMPLE 5 REMOVING 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 55 Pro rata factor is .151 INSURANCE COVERAGE SECTION A CURRENT COVERAGE + INCREASED SECTION B — DECREASED COVERAGE ONLY NEW PREMIUM TOTALS AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM BUILDING BASIC 100,000 .83 830 0 . . 830 BUILDING ADDITIONAL . . . . . . . CONTENTS BASIC 100,000 1.62 1,620 -100,000 1.62 -1,620 0 CONTENTS ADDITIONAL . . . . . . . IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT OPTION: SUBTOTAL 830 BUILDING COVERAGE CONTENTS COVERAGE CREDIT CARD DEDUCT. DISCOUNT/SURCHARGE . BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL OTHER: SUBTOTAL 830 . . 100,000 . . 0 ICC PREMIUM . SUBTOTAL 830 IF RETURN PREMIUM, MAIL REFUND TO: . INSURED AGENT . PAYOR. THE ABOVE CRS PREMIUM DISCOUNT ____% . STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT SUBTOTAL 830 ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. 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 .151 TOTAL (+/-) -245 EXAMPLE 6 REDUCING BUILDING COVERAGE . 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 $804 (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 212 Pro rata factor is .581 INSURANCE COVERAGE SECTION A CURRENT COVERAGE SECTION B + INCREASED — DECREASED COVERAGE ONLY NEW PREMIUM TOTALS AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM BUILDING BASIC 60,000 .89 534 0 . . 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: SUBTOTAL 654 BUILDING COVERAGE CONTENTS COVERAGE CREDIT CARD DEDUCT. DISCOUNT/SURCHARGE . BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL OTHER: SUBTOTAL 654 60,000 40,000 100,000 . . . ICC PREMIUM 6 SUBTOTAL 660 IF RETURN PREMIUM, MAIL REFUND TO: . INSURED . AGENT PAYOR. THE ABOVE CRS PREMIUM DISCOUNT ____% . STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT SUBTOTAL 660 ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. PREMIUM PREVIOUSLY PAID (Excludes Probation Surcharge/ Federal Policy Fee) 804 DIFFERENCE (+/-) -144 SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) PRO RATA FACTOR .581 TOTAL (+/-) -84 EXAMPLE 7 INCREASING DEDUCTIBLE . 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 $422 (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, 2010 Number of days is 90 Pro rata factor is .753 *ICC-N/A in Emergency Program INSURANCE COVERAGE SECTION A CURRENT COVERAGE + INCREASED SECTION B — DECREASED COVERAGE ONLY NEW PREMIUM TOTALS AMOUNT RATE PREMIUM AMOUNT RATE PREMIUM BUILDING BASIC 35,000 .76 266 0 . . 266 BUILDING ADDITIONAL . . . . . . . CONTENTS BASIC 10,000 .96 96 0 . . 96 CONTENTS ADDITIONAL . . . . . . . IF CHANGING AMOUNT OF INSURANCE, ENTER NEW TOTAL AMOUNT BELOW PAYMENT OPTION: SUBTOTAL 362 BUILDING COVERAGE CONTENTS COVERAGE CREDIT CARD DEDUCT. DISCOUNT/SURCHARGE -36 BASIC ADDITIONAL TOTAL BASIC ADDITIONAL TOTAL OTHER: SUBTOTAL 326 . . . . . . ICC PREMIUM N/A SUBTOTAL 326 IF RETURN PREMIUM, MAIL REFUND TO: . INSURED AGENT . PAYOR. THE ABOVE CRS PREMIUM DISCOUNT ____% . STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT SUBTOTAL 326 ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR IMPRISONMENT UNDER APPLICABLE FEDERAL LAW. PREMIUM PREVIOUSLY PAID (Excludes Probation Surcharge/ Federal Policy Fee) 422 DIFFERENCE (+/-) -96 SIGNATURE OF INSURED AND DATE SIGNATURE OF INSURANCE AGENT/BROKER DATE (MMDDYY) PRO RATA FACTOR .753 TOTAL (+/-) -72 This page intentionally left blank. FLOOD MAPS I. OVERVIEW The Federal Emergency Management Agency (FEMA) provides all participating communities with copies of their flood maps. The maps are generally kept in community planning or building permit departments where they should be available for review. Additional information about flood maps can be obtained at the FEMA Map Service Center website (http://msc.fema.gov). A. Types of Flood Maps FEMA produces two types of maps for rating flood insurance. For detailed information, refer to "Answers to Questions About the National Flood Insurance Program" (MitDiv-2) and "Guide to Flood Maps" (FEMA–258). 1. Flood Hazard Boundary Map (FHBM)-Initial flood hazard identification generally used for Emergency Program communities. 2. Flood Insurance Rate Map (FIRM)-Generally used for Regular Program communities. Some Regular Program communities may use a map originally published as an FHBM; however, a letter will accompany the map in conjunction with conversion to the Regular Program stating that the map is to be considered a FIRM. Countywide FIRMs are official sources of flood risk data for several communities that supersede all previous versions of the FEMA flood hazard maps for the communities covered. Countywide FIRMs show flooding information for the entire geographic area of a county including the incorporated communities within the county. B. Map Information The date of the current effective map version for a community can be obtained by calling the appropriate community official or by calling the National Flood Insurance Program office on the toll-free number. Maps provide community name, community number, suffix, panel number, map type, and the map effective date. 1. The maps may have one panel or multiple panels. Most Z-fold maps have multiple panels. Flat maps generally consist of only one panel. 2. For multiple panel maps, individual panels are identified on a community map index. 3. Panel numbers are listed for that community's map in numerical sequence. FHBMs and FIRMs are drawn to show: . Community boundaries . Special Flood Hazard Areas (SFHAs) . Area not included in a community's map. A community may be physically located within the overall geographical area, but actually stand on its own as a separate community. Therefore, this community would be shown on a separate map. 4. Each panel has a panel number and community number. When there is only one panel (i.e., a flat map), the community number will consist of only six digits. Example: Monterey County, CA . . . 060195-1025. The first two digits of the number identify the state, and the next four digits identify the community. The last four digits identify the map panel. 5. Most FIRMs also show: . Rate Zones . Base Flood Elevations, and/or . Base Flood Depths C. Communities with Unpublished Maps These are communities without formally identified SFHAs that chose to have flood insurance coverage available even though the local flooding problems are too small to map. For any such community in the Regular Program, all areas within that community are treated as Zone C or X. D. Unmapped Areas in Communities with Maps The flood hazards for some areas within mapped communities remain undetermined and are unmapped. These unmapped areas are to be treated as Zone D. The designation of Zone D can also be used for rating when one community incorporates portions of another community’s area where no map has been prepared. II. MAP ZONES A. Special Flood Hazard Areas (SFHAs) 1. Zone A The lowest floor elevation is required and the Base Flood Elevations (BFEs) are not provided. 2. Zones A1-A30 The lowest floor elevation is required and the BFEs are provided. 3. Zone AE Used in place of A1-A30 on some maps. 4. Zone AH Shallow water depths (ponding) and/or unpredictable flow paths between 1 and 3 feet occur. BFEs are provided. 5. Zone AO Shallow water paths (sheet flow) and/or unpredictable flow paths between 1 and 3 feet occur. BFEs are not provided. Base flood depths may be provided. 6. Zone A99 Enough progress has been made on a protective system such as dikes, dams, and levees to consider it complete for insurance rating purposes. BFEs are not provided. For the purpose of determining Community Rating System premium discounts, all AR and A99 zones are treated as non-SFHAs. 7. Zone AR Area that results from the decertification of a previously accredited flood protection system that is determined to be in the process of being restored to provide base flood protection. For the purpose of determining Community Rating System premium discounts, all AR and A99 zones are treated as non-SFHAs. 8. Zones AR/AE, AR/AH, AR/AO, AR/A1-A30, AR/A Dual flood zones that, because of flooding from other water sources that the flood protection system does not contain, will continue to be subject to flooding after the flood protection system is adequately restored. For the purpose of determining Community Rating System premium discounts, all AR and A99 zones are treated as non-SFHAs. 9. Zone V An area that is inundated by tidal floods with velocity (coastal high hazard area). BFEs are not provided. 10. Zones V1-V30 Identical to V Zone, but BFEs are provided. 11. Zone VE Used in place of V1-V30 on some maps. 12. Zone VO An area having shallow water depths and/or unpredictable flow paths between 1 and 3 feet with velocity. B. Moderate, Minimal Hazard Areas 1. Zones B, C, X Areas of moderate or minimal hazard subject to flooding from severe storm activity or local drainage problems. These zones may be lightly shaded or unshaded on the FIRM. Zone X is the designation for B and C Zones and is used in place of these zones on some maps. 2. Zone D An area where the flood hazard is undetermined and which usually is very sparsely populated. The designation of Zone D can also be used for rating when one community incorporates portions of another community's area where no map has been prepared. In addition, if the map shows an area as being unmapped, use Zone D. III. LOCATING A SPECIFIC PROPERTY ON A MAP . Check the map index to identify the correct map panel. . Directly locate the property by the address or other information. It may help to compare the FHBM or FIRM to a more detailed map, such as an assessor's map or community street map. . Note the map color where the property is located. On FHBMs and FIRMs, areas darkly shaded are the SFHAs. On an FHBM, no other zone data may be given. On a FIRM, the zones are also given an COMMUNITY RATING SYSTEM I. GENERAL DESCRIPTION The Community Rating System (CRS) is a voluntary program for NFIP-participating communities. (See list, following.) The goals of the CRS are to reduce flood damages to insurable property, strengthen and support the insurance aspects of the NFIP, and encourage a comprehensive approach to floodplain management. The CRS has been developed to provide incentives in the form of premium discounts for communities to go beyond the minimum floodplain management requirements to develop extra measures to provide protection from flooding. II. ELIGIBILITY For a community to be eligible, the community must be in full compliance with the NFIP and be in the Regular phase of the program. The following categories are not eligible for CRS premium discounts: . Emergency Program communities . Preferred Risk Policies . Mortgage Portfolio Protection Program policies . Post-FIRM structures located in a Special Flood Hazard Area (SFHA) where the lowest floor ele vation used for rating is at least 1 foot or more below the Base Flood Elevation (BFE), with the exception of (1) Post-FIRM V-Zone buildings with unfinished breakaway wall enclosures and machinery or equipment at or above the BFE, and (2) subgrade crawlspaces with certification from a community official (see IV.M., page APP 6). III. CLASSIFICATIONS AND DISCOUNTS All communities start out with a Class 10 rating (which provides no discount). There are 10 CRS classes: Class 1 requires the most credit points and gives the greatest premium discount; Class 10 identifies a community that does not apply for the CRS, or does not obtain a minimum number of credit points and receives no discount. There are 18 activities recognized as measures for eliminating exposure to floods. Credit points are assigned to each activity. The activities are organized under four main categories: Public Information, Mapping and Regulation, Flood Damage Reduction, and Flood Preparedness. Once a community applies to the appropriate FEMA region for the CRS program and its implementation is verified, FEMA sets the CRS classification based upon the credit points. This classification determines the premium discount for policyholders. Premium discounts ranging from 5 percent to a maximum of 45 percent will be applied to every policy written in a community as recognition of the floodplain management activities instituted. The table below shows premium discounts for CRS Classes 1-10 within different flood zones. IV. CRS ACTIVITIES THAT CAN DIRECTLY BENEFIT INSURANCE AGENTS Certain activities credited under the CRS provide direct benefit to agents writing flood insurance. All CRS communities must maintain completed FEMA elevation and floodproofing certificates for all new and substantially improved construction in the Special Flood Hazard Area after the date of application for CRS classification. These certificates must be available upon request. Therefore, in writing a policy, an agent should be able to get these certificates from any CRS community. In addition, some CRS communities receive credit for having completed certificates for Post-FIRM buildings constructed prior to the CRS application date. If they do receive this credit, then these certificates should also be available to agents writing flood insurance. The community may charge a fee for copying certificates. Many CRS communities receive credit for providing inquirers with information from the community's FIRM. This includes a property's flood risk zone and the Base Flood Elevation. The service must be publicized once a year. If a community is receiving this credit, then agents should be able to use the service. A fee may be charged for the service. CRS PREMIUM DISCOUNTS Class Discount Class Discount 1 2 3 4 5 45% 40% 35% 30% 25% 6 7 8 9 10 20% 15% 10% 5% ---SFHA (Zones A, AE, A1-A30, V, V1-V30, AO, and AH): Discount varies depending on class. SFHA (Zones A99, AR, AR/A, AR/AE, AR/A1-A30, AR/AH, and AR/AO): 10% discount for Classes 1-6; 5% discount for Classes 7-9.* Non-SFHA (Zones B, C, X, D): 10% discount for Classes 1-6; 5% discount for Classes 7-9. *In determining CRS Premium Discounts, all AR and A99 zones are treated as non-SFHAs. CRS 1 October 1, 2008 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 010146 010071 015000010116 010418 010176015005 015006 010123 010153 015007 015011 010189 010002 010070020005 020012 020003 020069 020113 020094 040013 040014 040131 040080 040040 040094 040095 040012040019 040061 040020 040028 040044 040045 040067 040037040048040058040066040051 040073 040098 040090045012 040130 Alabama Athens, City of Atmore, City of Baldwin County Birmingham, City of Dauphin Island, Town of Decatur, City of Gulf Shores, Town of Homewood, City of Hoover, City of Huntsville, City of Mobile, City of Orange Beach, City of Pell City, City of Prattville, City of Wetumpka, City of Alaska Anchorage, Municipality of Kenai Peninsula, Borough of Ketchikan, Borough of Nome, City of Seward, City of Valdez, City of Arizona Benson, Town of Bisbee, City of Camp Verde, Town of Casa Grande, City of Chandler, City of Chino Valley, Town of Clarkdale, Town of Cochise County Coconino County Dewey-Humboldt, Town of Flagstaff, City of Gila County Gilbert, Town of Glendale, City of Holbrook, City of Maricopa County Mesa, City of Mohave County Navajo County Phoenix, City of Pima County Prescott, City of Santa Cruz County Scottsdale, City of Sedona, City of 10/1/91 05/1/02 10/1/95 10/1/94 04/1/01 10/1/91 10/1/93 10/1/01 10/1/91 10/1/91 10/1/92 10/1/91 10/1/92 10/1/91 10/1/91 10/1/95 04/1/00 10/1/05 10/1/05 10/1/05 10/1/92 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/91 10/1/07 10/1/91 10/1/91 10/1/91 10/1/91 10/1/95 10/1/91 10/1/91 10/1/95 10/1/92 10/1/92 10/1/91 10/1/91 10/1/03 10/1/91 10/1/91 10/1/98 05/1/02 10/1/08 10/1/05 04/1/01 10/1/05 10/1/93 10/1/01 10/1/91 05/1/03 10/1/93 10/1/07 10/1/92 05/1/08 10/1/91 10/1/09 04/1/00 10/1/05 10/1/07 10/1/05 10/1/09 10/1/92 10/1/92 10/1/96 10/1/01 05/1/04 10/1/93 10/1/96 10/1/91 10/1/99 10/1/07 10/1/07 10/1/92 10/1/92 10/1/99 10/1/00 05/1/02 04/1/98 10/1/05 05/1/08 10/1/02 05/1/07 10/1/01 05/1/0810/1/07 10/1/91 10 8 7 6 8 10 9 9 9 7 10 7 9 8 9 6 8 9 8 9 8 10 10 8 8 7 8 8 9 8 8 7 10 8 8 8 5 10 8 8 6 5 8 7 6 9 0 10 15 20 10 0 5 5 5 15 0 15 5 10 5 20 10 5 10 5 10 0 0 10 10 15 10 10 5 10 10 15 0 10 10 10 25 0 10 10 20 25 10 15 20 5 0 5 5 10 5 0 5 5 5 5 0 5 5 5 5 10 5 5 5 5 5 0 0 5 5 5 5 5 5 5 5 5 0 5 5 5 10 0 5 5 10 10 5 5 10 5 R C C C C R C C C C R C C C C C C C C C C R R C C C C C C C C C R C C C C R C C C C C C C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 2 October 1, 2009 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY CURRENT EFFECTIVE CURRENT CLASS % DISCOUNT FOR % DISCOUNT FOR STATUS3 DATE DATE SFHA1 NON-SFHA2 Arizona (continued) 040069 Show Low, City of 10/1/91 10/1/91 9 5 5 C 040054 Tempe, City of 10/1/91 05/1/02 8 10 5 C 040076 Tucson, City of 10/1/91 10/1/07 6 20 10 C 040056 Wickenburg, Town of 10/1/92 10/1/07 10 0 0 R 040031 Winkelman, Town of 10/1/91 10/1/95 10 0 0 R 040093 Yavapai County 10/1/91 10/1/07 7 15 5 C Arkansas 050029 Arkadelphia, City of 10/1/91 10/1/05 8 10 5 C 050192 Benton, City of 10/1/93 10/1/93 9 5 5 C 050419 Benton County 05/1/05 05/1/05 8 10 5 C 050012 Bentonville, City of 10/1/92 10/1/02 8 10 5 C 050140 Blytheville, City of 10/1/95 10/1/95 9 5 5 C 050046 Bono, City of 10/1/92 05/1/02 8 10 5 C 050308 Bryant, City of 10/1/92 10/1/92 9 5 5 C 050433 Garland County 10/1/93 10/1/93 9 5 5 C 050168 Helena, City of 10/1/93 10/1/99 10 0 0 R 050084 Hot Springs, City of 10/1/93 10/1/06 8 10 5 C 050180 Jacksonville, City of 10/1/94 10/1/04 8 10 5 C 050048 Jonesboro, City of 10/1/92 10/1/92 9 5 5 C 050181 Little Rock, City of 10/1/91 10/1/01 8 10 5 C 050088 Malvern, City of 10/1/91 10/1/96 10 0 0 R 050109 Pine Bluff, City of 10/1/94 10/1/95 10 0 0 R 050053 Van Buren, City of 05/1/09 05/1/09 9 5 5 C 050055 West Memphis, City of 10/1/92 10/1/02 8 10 5 C California 060001 Alameda County 10/1/92 10/1/99 7 15 5 C 060213 Anaheim, City of 10/1/91 05/1/07 8 10 5 C 060714 Clearlake, City of 05/1/03 10/1/08 10 0 0 R 065022 Concord, City of 10/1/08 10/1/08 8 10 5 C 060025 Contra Costa County 10/1/91 04/1/01 6 20 10 C 065023 Corte Madera, Town of 10/1/03 10/1/09 7 15 5 C 060339 Cupertino, City of 10/1/05 10/1/05 8 10 5 C 060370 Fairfield, City of 10/1/92 05/1/09 7 15 5 C 060218 Fountain Valley, City of 10/1/96 04/1/98 8 10 5 C 065028 Fremont, City of 04/1/01 04/1/01 7 15 5 C 060048 Fresno, City of 10/1/92 10/1/07 8 10 5 C 065029 Fresno County 10/1/91 10/1/07 8 10 5 C 060340 Gilroy, City of 05/1/07 05/1/07 8 10 5 C 065034 Huntington Beach, City of 10/1/95 10/1/00 7 15 5 C 060222 Irvine, City of 10/1/91 05/1/02 8 10 5 C 060075 Kern County 10/1/91 05/1/08 8 10 5 C 060090 Lake County 10/1/95 10/1/06 8 10 5 C 060636 Lake Elsinore, City of 10/1/09 10/1/09 9 5 5 C 060738 Lathrop, City of 10/1/08 10/1/08 8 10 5 C 060136 Long Beach, City of 10/1/93 05/1/08 7 15 5 C 060341 Los Altos, City of 10/1/91 10/1/96 8 10 5 C 060137 Los Angeles, City of 10/1/91 10/1/05 7 15 5 C 065043 Los Angeles County 10/1/91 10/1/96 8 10 5 C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 3 October 1, 2009 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 060706 060344 060735 060195 065074 060346 060347 060751 060207 060227 060178 060294 060228 060212060257 060348 060379 060239060034 060012 060702 060360 060279 060035 060243 060266060262060202 060284 060299060349 060231 060013 060310 060710 060331 060350 060337060729 060355 060421 060631060375060302 060352 060394060400 060373 065070 060357 California (continued) Manteca, City of Milpitas, City of Mission Viejo, City of Monterey County Moreno Valley, City of Morgan Hill, City of Mountain View, City of Murrieta, City of Napa, City of Newport Beach, City of Novato, City of Oceanside, City of Orange, City of Orange County Palm Springs, City of Palo Alto, City of Petaluma, City of Placer County Pleasant Hill, City of Pleasanton, City of Poway, City of Redding, City of Redlands, City of Richmond, City of Roseville, City of Sacramento, City of Sacramento County Salinas, City of San Diego County San Joaquin County San Jose, City of San Juan Capistrano, City of San Leandro, City of San Luis Obispo, City of San Ramon, City of Santa Barbara County Santa Clara, City of Santa Clara County Santa Clarita, City of Santa Cruz, City ofSimi Valley, City of Solano County Sonoma County Stockton, City of Sunnyvale, City of Sutter County Tehema, City of Vacaville, City of Walnut Creek, City of Watsonville, City of 05/1/09 10/1/91 10/1/05 10/1/91 10/1/91 05/1/03 05/1/02 10/1/97 04/1/01 10/1/93 10/1/95 10/1/91 10/1/92 10/1/91 10/1/92 10/1/91 10/1/91 10/1/91 05/1/03 10/1/92 05/1/08 10/1/96 10/1/07 10/1/95 10/1/92 10/1/91 10/1/92 10/1/91 10/1/94 10/1/93 10/1/91 10/1/91 10/1/06 10/1/91 10/1/91 10/1/91 05/1/02 05/1/04 10/1/01 10/1/92 10/1/93 10/1/91 10/1/91 10/1/96 10/1/98 10/1/08 10/1/03 10/1/95 10/1/91 10/1/92 05/1/09 05/1/07 10/1/05 05/1/07 10/01/96 05/1/03 05/1/08 10/1/97 10/1/06 05/1/08 05/1/07 10/1/96 05/1/08 05/1/08 10/1/00 10/1/01 10/1/96 05/1/09 05/1/08 10/1/97 05/1/08 05/1/08 10/1/07 10/1/95 10/1/06 10/1/0810/1/02 10/1/02 05/1/09 05/1/03 10/1/01 10/1/02 10/1/06 10/1/96 10/1/06 05/1/06 05/1/08 05/1/09 10/1/09 05/1/02 10/1/09 10/1/07 10/1/92 10/1/97 05/1/09 10/1/08 10/1/08 10/1/00 04/1/01 10/1/02 9 6 9 5 8 7 8 9 8 8 8 8 9 7 8 7 6 5 8 8 8 6 9 9 1 5 5 7 8 6 7 8 8 8 8 6 8 10 8 7 7 7 10 8 7 8 6 8 7 7 5 20 5 25 10 15 10 5 10 10 10 10 5 15 10 15 20 25 10 10 10 20 5 5 45 25 25 15 10 20 15 10 10 10 10 20 10 0 10 15 15 15 0 10 15 10 20 10 15 15 5 10 5 10 5 5 5 5 5 5 5 5 5 5 5 5 10 10 5 5 5 10 5 5 10 10 10 5 5 10 5 5 5 5 5 10 5 0 5 5 5 5 0 5 5 5 10 5 5 5 C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C R C C C C R C C C C C C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 4 October 1, 2009 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 California (continued) 060238 Yorba Linda, City of 10/1/93 10/1/04 10 0 0 R 060396 Yuba City, City of 10/1/07 10/1/08 7 15 5 C 060427 Yuba County 10/1/03 05/1/09 7 15 5 C Colorado 080001 Adams County 10/1/93 10/1/03 10 0 0 R 080010 Alamosa, City of 10/1/91 10/1/91 9 5 5 C 080009 Alamosa County 10/1/96 10/1/96 9 5 5 C 080011 Arapahoe County 10/1/91 10/1/92 8 10 5 C 080273 Archuleta County 10/1/92 10/1/98 10 0 0 R 085072 Arvada, City of 10/1/91 05/1/06 6 20 10 C 080002 Aurora, City of 10/1/92 05/1/08 8 10 5 C 080024 Boulder, City of 10/1/92 10/1/08 7 15 5 C 080023 Boulder County 10/1/91 10/1/06 7 15 5 C 080130 Brush, City of 10/1/94 10/1/94 9 5 5 C 080068 Canon City, City of 10/1/92 05/1/08 9 5 5 C 080013 Cherry Hills Village, City of 10/1/96 10/1/01 8 10 5 C 080060 Colorado Springs, City of 10/1/92 05/1/07 8 10 5 C 080043 Delta, City of 10/1/96 10/1/00 7 15 5 C 080046 Denver, City and County of 10/1/96 05/1/06 8 10 5 C 080049 Douglas County 10/1/96 10/1/96 9 5 5 C 080099 Durango, City of 10/1/92 10/1/92 9 5 5 C 080051 Eagle County 10/1/08 10/1/08 8 10 5 C 080059 El Paso County 10/1/92 05/1/07 8 10 5 C 085074 Englewood, City of 10/1/95 10/1/96 8 10 5 C 080102 Fort Collins, City of 10/1/91 10/1/01 4 30 10 C 080061 Fountain, City of 10/1/92 05/1/07 8 10 5 C 080067 Fremont County 10/1/93 05/1/08 9 5 5 C 080245 Frisco, Town of 10/1/93 10/1/98 8 10 5 C 080090 Golden, City of 10/1/96 10/1/96 9 5 5 C 080062 Green Mountain Falls, Town of 10/1/03 05/1/09 8 10 5 C 080080 Gunnison, City of 10/1/95 10/1/95 9 5 5 C 080078 Gunnison County 10/1/94 10/1/09 8 10 5 C 080087 Jefferson County 10/1/05 10/1/05 9 5 5 C 085075 Lakewood, City of 10/1/91 10/1/05 6 20 10 C 080101 Larimer County 10/1/92 10/1/97 10 0 0 R 080017 Littleton, City of 10/1/92 10/1/97 7 15 5 C 080027 Longmont, City of 10/1/92 10/1/97 8 10 5 C 085076 Louisville, City of 10/1/91 10/1/05 8 10 5 C 080063 Manitou Springs, City of 10/1/92 05/1/07 8 10 5 C 080115 Mesa County 05/1/06 05/1/06 9 5 5 C 080064 Monument, Town of 10/1/03 05/1/09 8 10 5 C 080092 Morrison, Town of 10/1/96 10/1/96 9 5 5 C 080065 Palmer Lake, Town of 10/1/03 05/1/09 8 10 5 C 080310 Parker, Town of 10/1/92 05/1/07 6 20 10 C 080287 Pitkin County 10/1/92 10/1/97 8 10 5 C 080153 Rio Grande County 10/1/92 10/1/97 10 0 0 R 080018 Sheridan, City of 10/1/93 10/1/03 10 0 0 R 080201 Silverthorne, Town of 10/1/96 10/1/96 9 5 5 C 080159 Steamboat Springs, Town of 10/1/93 10/1/93 9 5 5 C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 5 October 1, 2009 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES CRS % DISCOUNT % DISCOUNT CURRENT COMMUNITY CURRENT ENTRY FOR FOR EFFECTIVE NUMBER CLASS COMMUNITY NAME STATUS3 DATE SFHA1 NON-SFHA2 DATE Colorado (continued) 080168 Telluride, Town of 10/1/94 10/1/05 8 10 5 C 080007 Thornton, City of 10/1/94 10/1/06 7 15 5 C 080054 Vail, Town of 10/1/91 10/1/01 7 15 5 C 080008 Westminster, City of 10/1/91 05/1/06 6 20 10 C 085079 090074 090076 090096 090078 090011 090012 090015 090193 090106 095082 090070 090019 105083 100056 105084 100041 100026 100025 105086 100048 100051 120001120290 125087 120180 120075 120193 120676 120419120636 120004120637 125089 120195 120680 120196 120155 125091 125092Wheat Ridge, City of Connecticut Cheshire, Town of East Haven, Town of East Lyme, Town of Hamden, Town of Newtown, Town of Norwalk, City of Stamford, City of Stonington, Borough of Stonington, Town of West Hartford, Town of Westbrook, Town of Westport, Town of Delaware Bethany Beach, Town of Dewey Beach, Town of Fenwick Island, Town of Lewes, City of New Castle, City of Newark, City of Rehoboth Beach, City of Seaford, City of South Bethany, Town of Florida Alachua County Altamonte Springs, City of Anna Maria, City of Apopka, City of Atlantic Beach, City of Atlantis, City of Aventura, City of Baker County Bal Harbour, Village of Bay County Bay Harbor Islands, Town of Belleair Beach, City of Boca Raton, City of Bonita Springs, City of Boynton Beach, City of Bradenton, City of Bradenton Beach, City of Brevard County 10/1/91 10/1/93 10/1/03 10/1/91 10/1/93 10/1/91 10/1/93 10/1/02 10/1/04 05/1/04 10/1/91 05/1/05 10/1/95 05/1/09 10/1/94 10/1/94 10/1/92 10/1/94 10/1/92 10/1/94 10/1/96 10/1/07 10/1/95 10/1/94 10/1/91 10/1/93 10/1/05 10/1/92 10/1/00 10/1/01 10/1/96 10/1/93 10/1/94 10/1/92 10/1/92 05/1/06 10/1/91 10/1/91 10/1/91 10/1/91 10/1/96 10/1/03 10/1/04 10/1/91 10/1/06 10/1/91 10/1/98 10/1/02 10/1/04 05/1/04 10/1/07 05/1/05 10/1/00 05/1/09 10/1/99 10/1/04 10/1/92 10/1/99 10/1/01 10/1/95 10/1/96 10/1/07 10/1/06 10/1/96 10/1/07 10/1/07 10/1/05 05/1/08 05/1/05 10/1/01 10/1/97 10/1/08 10/1/99 10/1/01 05/1/08 05/1/06 10/1/93 10/1/00 05/1/08 10/1/06 7 10 8 9 10 9 10 7 9 9 8 9 8 8 8 8 9 8 7 8 9 8 7 8 5 7 8 8 7 8 8 5 7 7 8 7 8 7 6 7 15 0 10 5 0 5 0 15 5 5 10 5 10 10 10 10 5 10 15 10 5 10 15 10 25 15 10 10 15 10 10 25 15 15 10 15 10 15 20 15 5 0 5 5 0 5 0 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 10 5 5 5 5 5 5 10 5 5 5 5 5 5 10 5 C R C C R C R C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C 1For the purpose of determining CRS discounts, all AR and A99 zones are treated as non-SFHAs. 2Increase in discount for Classes 1-6 effective May 1, 2001. See table on page CRS 1. 3Status: C = Current, R = Rescinded CRS 6 October 1, 2009 COMMUNITY RATING SYSTEM ELIGIBLE COMMUNITIES COMMUNITY NUMBER COMMUNITY NAME CRS ENTRY DATE CURRENT EFFECTIVE DATE CURRENT CLASS % DISCOUNT FOR SFHA1 % DISCOUNT FOR NON-SFHA2 STATUS3 125093120005 125094 125095 120090 120061 120063120064 125096 120198 120020 125097 120031 120067120070120032120639 120033 120034 120035 125099 125100 125101 125102 125158 120041 125103 120308 120080120146 120120 120172 120087 125105 125106 120673 120286 120174 120088125107 120200 120642 120275 120098 125109 125108 125110 120103120107120110 Florida (continued) Broward County Callaway, City of Cape Canaveral, City of Cape Coral, City of Carrabelle, City of Charlotte County Citrus County Clay County Clearwater, City of Cloud Lake, Town of Cocoa, City of Cocoa Beach, City of Coconut Creek, City of Collier County Columbia County Cooper City, City of Coral Gables, City of Coral Springs, City of Dania Beach, City of Davie, Town of Daytona Beach, City of Daytona Beach Shores, City of Deerfield Beach, City of Delray Beach, City of Destin, City of D