U.S. Department of Homeland Security 500 C Street, SW Washington, DC 20472 W-10046 April 21, 2010 MEMORANDUM TO: Write Your Own (WYO) Company Principal Coordinators and the National Flood Insurance Program (NFIP) Servicing Agent FROM: Acting Federal Insurance and Mitigation Administrator SUBJECT: October 1, 2010, Program Changes The purpose of this memorandum is to provide notification of the changes that the NFIP will implement effective October 1, 2010, as specified below: • Increased building and contents rates • Revised Increased Cost of Compliance (ICC) premiums • Requirement to obtain applicable information in Part 2 of the Flood Insurance Application for all buildings • Revised Pre-FIRM Rating instruction for Lowest Floor Guide (LFG) page 58 • Required information for WYO Companies and the NFIP Servicing Agent to include on the policy declarations page Please see the following attachments for more details of these upcoming Program changes. • Attachment A – Summary of Changes • Attachment B – Rate Changes Effective October 1, 2010 • Attachment C – Declarations Page Requirements Effective October 1, 2010 The October 1, 2010, changes to the Specific Rating Guidelines will be provided separately. If you have any questions, please contact iService underwriting at iserviceunderwriting@ostglobal.com. Attachments cc: Vendors, IBHS, FIPNC, Government Technical Representative Suggested Routing: Accounting, Claims, Data Processing, Marketing, Underwriting www.fema.gov ATTACHMENT A SUMMARY OF PROGRAM CHANGES EFFECTIVE OCTOBER 1, 2010 National Flood Insurance Program October 1, 2010, Rate and Rule Changes: A Summary Premium Increases Premiums will increase an average of 4% for policies written or renewed on or after October 1, 2010. See Attachment B for updated rate tables. In addition to the impact of selected rate changes, there is one additional change: • ICC premiums, with one exception, are decreasing to better match premium with expected payments. The premium for those paying $4 will remain unchanged. The premium increases vary by zones as described below. • V Zones (coastal high-velocity zones) Larger rate increases are being implemented again this year as a result of the Heinz Center’s Erosion Zone Study, which clearly indicates that current rates significantly underestimate the increasing hazard from steadily eroding coastlines. -Post-FIRM V Zones: Premiums will increase 9%. -Pre-FIRM V Zones: Premiums will increase 3%. • A Zones (non-velocity zones, which are primarily riverine zones) -Post-FIRM A1-A30 and AE Zones: Premiums will increase 6%. -Pre-FIRM AE Zones: Premiums will increase 3% to slightly decrease the amount of subsidy in our Pre-FIRM rate. -AO, AH, AOB, and AHB Zones (shallow flooding zones): Premiums will increase 1%. -Unnumbered A Zones (remote A Zones where elevations have not been determined): Premiums will increase 5%. -A99 Zones (approved flood mitigation projects, e.g., levees still in the course of construction) and AR Zones: Premiums will increase 9%. • X Zones (zones outside the Special Flood Hazard Area) -Standard Risk Policy: Premiums will increase 7%. • Mortgage Portfolio Protection Program (MPPP): Premiums will increase 10%. Flood Insurance Application Effective October 1, 2010, on the Flood Insurance Application Part 2, all applicable information must be obtained for all buildings regardless of the zone or date of construction. Lowest Floor Guide On page LFG 58, the Pre-FIRM Rating instruction for elevated buildings on crawlspace, Pre- and Post-FIRM risks with construction dates of 1975 to September 30, 1981, in flood zones VE and V1­V30, is corrected to indicate that when the lowest floor is less than the BFE, use the Pre-FIRM rate table, Elevated on Crawlspace category. Declarations Page Requirements Effective October 1, 2010, WYO Companies and the NFIP Servicing Agent are required to print specific information on each policy declarations page. This will ensure that the insureds, agents, and lenders have sufficient information to validate the policy information and verify that the correct amount of coverage is being purchased. See Attachment C for a list of the required fields. ATTACHMENT B RATE CHANGES EFFECTIVE OCTOBER 1, 2010 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 No Basement/Enclosure With Basement With Enclosure Elevated on Crawlspace Manufactured (Mobile) Home3 Basement & Above4 Enclosure & Above5 Lowest Floor Only -Above Ground Level Single Family 2-4 Family Other Residential Non-Residential Building .76 / .60 .81 / .88 .81 / 1.06 .76 / .60 .76 / .60 Contents .96 / 1.07 .96 / .90 .96 / 1.07 .96 / 1.07 .96 / 1.07 Building .76 / .60 .81 / .88 .81 / 1.06 .76 / .60 Contents .96 / .90 .96 / 1.07 .96 / 1.07 Building .76 / 1.24 .76 / 1.03 .81 / 1.30 .76 / 1.24 Contents Building Contents .83 / 1.19 .88 / 1.17 .88 / 1.47 .83 / 1.19 Non-Elevated with .83 / 1.19 .76 / .60 .96 / .90 .76 / .60 .76 / 1.24 .83 / 1.19 .96 / .90 Subgrade Crawlspace 1.62 / 2.00 .96 / 1.07 1.62 / 2.39 .96 / 1.07 1.62 / 1.05 BUILDING CONTENTS BUILDING CONTENTS BUILDING TYPE LOCATION TYPE LOCATION TYPE Manufactured (Mobile) Home3 OCCUPANCY No Basement/Enclosure With Basement With Enclosure Elevated on Crawlspace Non-Elevated with Subgrade Crawlspace Manufactured (Mobile) Home3 Basement & Above4 Enclosure & Above5 Lowest Floor Only -Above Ground Level 1.62 / 1.05 FIRM ZONES V, VE, V1-V30 Single Family 2-4 Family Other Residential Non-Residential Building .99 / 1.54 1.06 / 2.30 1.06 / 2.72 .99 / 1.54 .99 / 1.54 .99 / 6.11 Contents 1.23 / 2.64 1.23 / 2.23 1.23 / 2.63 1.23 / 2.64 1.23 / 2.23 1.23 / 2.63 Building .99 / 1.54 1.06 / 2.30 1.06 / 2.72 .99 / 1.54 .99 / 1.54 Contents 1.23 / 2.23 1.23 / 2.63 1.23 / 2.63 Building .99 / 2.85 1.06 / 4.26 1.06 / 4.76 .99 / 2.85 .99 / 2.85 Contents Building Contents 1.10 / 2.96 1.16 / 4.40 1.16 / 4.91 1.10 / 2.96 1.10 / 2.96 1.10 / 10.49 1.23 / 2.23 2.14 / 5.20 1.23 / 2.63 2.14 / 5.61 1.23 / 2.63 2.14 / 4.70 FIRM ZONES A99, B, C, X OCCUPANCY Single Family 2-4 Family Other Residential Non-Residential Building Contents Building Contents Building Contents Building Contents No Basement/Enclosure .86 / .23 1.32 / .41 .86 / .23 .81 / .23 .81 / .23 With Basement .98 / .33 1.49 / .47 .98 / .33 1.04 / .33 1.04 / .33 With Enclosure .98 / .37 1.49 / .54 .98 / .37 1.04 / .37 1.04 / .37 Elevated on Crawlspace .86 / .23 1.32 / .41 .86 / .23 .81 / .23 .81 / .23 1.68 / .62 1.68 / .62 1.73 / .67 Basement & Above4 Enclosure & Above5 1.68 / .71 1.68 / .71 1.73 / .80 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). 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 .86 / .23 1.32 / .41 .86 / .23 .81 / .23 .81 / .23 With Basement .98 / .33 1.49 / .47 .98 / .33 1.04 / .33 1.04 / .33 With Enclosure .98 / .37 1.49 / .54 .98 / .37 1.04 / .37 1.04 / .37 Elevated on Crawlspace .86 / .23 1.32 / .41 .86 / .23 .81 / .23 .81 / .23 Non-Elevated with Subgrade Crawlspace .86 / .23 1.32 / .41 .86 / .23 .81 / .23 .81 / .23 Manufactured (Mobile) Home 1 .86 / .42 1.32 / .41 1.04 / .43 CONTENTS LOCATION Basement & Above 5 1.68 / .62 1.68 / .62 1.73 / .67 Enclosure & Above6 1.68 / .71 1.68 / .71 1.73 / .80 Lowest Floor Only -Above Ground Level 1.32 / .65 1.32 / .65 1.06 / .47 Lowest Floor Above Ground Level and Higher Floors 1.32 / .41 1.32 / .41 1.06 / .34 Above Ground Level -More than One Full Floor .39 / .13 .39 / .13 .24 / .13 Manufactured (Mobile) Home 1 .93 / .58 FIRM ZONE D OCCUPANCY Single Family 2-4 Family Other Residential Non-Residential Building Contents Building Contents Building Contents Building Contents BUILDING TYPE No Basement/Enclosure 1.24 / .35 1.11 / .65 1.24 / .35 1.20 / .60 1.20 / .60 With Basement *** *** *** *** *** With Enclosure *** *** *** *** *** Elevated on Crawlspace 1.24 / .35 1.11 / .65 1.24 / .35 1.20 / .60 1.20 / .60 Non-Elevated with Subgrade Crawlspace 1.24 / .35 1.11 / .65 1.24 / .35 1.20 / .60 1.20 / .60 Manufactured (Mobile) Home 1 1.61 / .70 1.31 / .75 2.45 / .87 CONTENTS LOCATION Basement & Above 5 *** *** *** Enclosure & Above6 *** *** *** Lowest Floor Only -Above Ground Level 1.11 / .65 1.11 / .65 1.75 / .56 Lowest Floor Above Ground Level and Higher Floors 1.11 / .45 1.11 / .45 1.75 / .54 Above Ground Level -More than One Full Floor .35 / .12 .35 / .12 .22 / .12 Manufactured (Mobile) Home 1 1.75 / .56 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 Compliance 3 .28 / .08 .23 / .08 .38 / .13 .23 / .13 Without Certification of Compliance or Elevation Certificate 4 1.02 / .21 1.10 / .32 1.17 / .22 1.97 / .29 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/ Crawlspace 4 More than One Floor No Basement/Enclosure/ Crawlspace 4 More than One Floor With Basement/ Enclosure/Crawlspace 4 Manufactured 2(Mobile) Home 1-4 Family Other Residential & Non-Residential 1-4 Family Other Residential & Non-Residential 1-4 Family Other Residential & Non-Residential Single Family Non-Residential +4 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .24/ .08 .20 / .08 .26 / .09 .22 / .09 +3 .27 / .08 .22 / .09 .25 / .08 .20 / .08 .25 / .08 .20 / .08 .28 / .09 .24 / .09 +2 .42 / .08 .29 / .09 .28 / .08 .23 / .08 .27 / .08 .22 / .08 .48 / .09 .37 / .10 +1 .73 / .10 .52 / .11 .52 / .09 .32 / .09 .34 / .09 .26 / .09 .92 / .11 .75 / .13 0 1.60 / .12 1.47 / .14 1.17 / .11 .88 / .17 .82 / .10 .67 / .16 2.39 / .13 1.92 / .20 -13 4.30 / 1.25 5.39 / 1.28 3.70 / 0.97 3.65 / .59 2.15 / .60 1.93 / .66 *** *** -2 *** *** *** *** *** *** *** *** FIRM ZONES AE, A1-A30 --CONTENTS RATES Elevation of Lowest Floor Above or Below BFE1 Lowest Floor Only – Above Ground Level (No Basement/Enclosure/ Crawlspace 4) Lowest Floor Above Ground Level & Higher Floors (No Basement/Enclosure/ Crawlspace 4) More than One Floor With Basement/Enclosure/ Crawlspace 4 Manufactured (Mobile) Home 2 Residential Non-Residential Residential Non-Residential Residential Non-Residential Single Family Non-Residential +4 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .13 +3 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .13 .24 / .13 +2 .38 / .12 .24 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .15 .34 / .15 +1 .52 / .12 .35 / .16 .38 / .12 .25 / .12 .38 / .12 .22 / .12 .58 / .17 .53 / .23 0 1.18 / .12 .81 / .31 .67 / .12 .59 / .20 .41 / .12 .32 / .12 1.12 / .23 1.11 / .31 -13 3.45 / .70 2.29 / 0.90 2.00 / .47 1.53 / .60 .66 / .14 1.06 / .14 *** *** -2 *** *** *** *** *** *** *** *** FIRM ZONES AE, A1-A30 --CONTENTS RATES Elevation of Lowest Floor Above 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 .35 / .12 .22 / .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 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. 4 Includes subgrade crawlspace. *** SUBMIT FOR RATING 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 Non­Residential2 +5 or more .40 / .09 .40 / .12 .49 / .12 .51 / .12 NO ESTIMATED BASE FLOOD ELEVATION3 +2 to +4 1.21 / .12 1.12 / .20 .78 / .15 .80 / .21 +1 2.30 / .60 2.57 / .37 1.50 / .27 1.31 / .49 0 or below *** *** *** *** +2 or more .44 / .08 .35 / .09 .44 / .12 .40 / .12 WITH THE ESTIMATED BASE FLOOD ELEVATION4 0 to +1 1.19 / .13 1.02 / .19 .94 / .15 .91 / .17 -1 3.85 / 1.25 4.44 / .61 2.66 / .41 2.08 / .70 -2 or below *** *** *** *** No Elevation Certificate5 4.45 / 1.41 5.53 / 1.13 3.33 / .91 3.00 / 1.20 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/ Crawlspace 5 More than One Floor, No Basement/Encl/ Crawlspace 5 More than One Floor, With Basement/Encl/ Crawlspace 5 Manufactured (Mobile) Home 2 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 2.81 / .51 3.40 / 1.32 2.28 / .51 2.47 / 1.23 1.97 / .51 2.20 / 1.00 4.22 / .42 6.02 / .38 -14 6.00 / 3.07 8.95 / 4.93 5.49 / 3.07 7.70 / 3.75 3.90 / 2.79 4.08 / 3.81 *** *** -2 *** *** *** *** *** *** *** *** FIRM ZONES '75-81, V1-V30, VE – CONTENTS RATES Elevation of Lowest Floor Only -­Above Ground Level (No Basement/Encl/ Crawlspace 5) Lowest Floor Above Ground Level & Higher Floors (No Basement/Encl/ Crawlspace 5) More than One Floor With Basement/Enclosure/ Crawlspace 5 Manufactured (Mobile) Home 2 Lowest Floor Above or Below BFE Residential Non-Residential Residential Non-Residential Residential Non-Residential Single Family Non-Residential 03 4.36 / .61 3.85 / 2.82 2.83 / .67 2.69 / 1.69 1.60 / .61 1.60 / .61 4.19 / .67 4.37 / 3.60 -14 9.55 / 4.64 9.37 / 8.18 5.63 / 3.60 6.43 / 5.10 1.88 / .61 5.73 / .61 *** *** -2 *** *** *** *** *** *** *** *** FIRM ZONES '75-81, V1-V30, VE – CONTENTS RATES Elevation of Lowest Floor Above 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 1 1981 POST-FIRM V1-V30, VE ZONE RATES Elevation of the lowest floor above or below BFE adjusted for wave height 2 Elevated Buildings Free of Obstruction3 Contents Building Residential Non-Residential Replacement Cost Ratio .75 or More 4 Replacement Cost Ratio .50 to .74 4 Replacement Cost Ratio Under .50 4 +4 or more .44 .44 .71 .94 1.44 +3 .44 .44 .86 1.17 1.75 +2 .64 .69 1.12 1.50 2.26 +1 1.11 1.19 1.63 2.18 3.04 0 1.90 2.04 2.34 3.13 4.39 -1 2.73 2.81 3.07 4.05 5.26 -2 3.90 4.11 4.15 5.44 6.94 -3 5.35 5.67 5.35 7.15 9.06 -4 or below *** *** *** *** *** 1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use the Post-‘81 V Zone rate table if the rates are more favorable to the insured. See instructions 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 ˝ 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 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 height 3 Elevated Buildings With Obstruction6 Contents Building Residential Non-Residential Replacement Cost Ratio .75 or More 5 Replacement Cost Ratio .50 to .745 Replacement Cost Ratio Under .505 +4 or more .57 .57 1.58 2.10 3.12 +3 .58 .58 1.77 2.33 3.55 +2 .76 .76 2.09 2.73 4.17 +1 1.28 1.37 2.62 3.51 5.07 0 2.05 2.16 3.18 4.35 5.90 -16 2.81 2.97 3.75 4.98 6.69 -26 4.01 4.28 4.80 6.31 8.19 -36 5.48 5.83 6.18 8.04 10.33 -4 or below 6 *** *** *** *** *** 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) 1, 2 PRE-FIRM NOT ELEVATION-RATED RATES OCCUPANCY Single Family 2-4 Family Other Residential Non-Residential Building Contents Building Contents Building Contents Building Contents BUILDING TYPE No Basement/Enclosure .86 / .23 1.32 / .41 .86 / .23 .81 / .23 .81 / .23 With Basement .98 / .33 1.49 / .47 .98 / .33 1.04 / .33 1.04 / .33 With Enclosure .98 / .37 1.49 / .54 .98 / .37 1.04 / .37 1.04 / .37 Elevated on Crawlspace .86 / .23 1.32 / .41 .86 / .23 .81 / .23 .81 / .23 Non-Elevated with Subgrade Crawlspace .86 / .23 1.32 / .41 .86 / .23 .81 / .23 .81 / .23 Manufactured (Mobile) Home 3 .86 / .42 1.32 / .41 1.04 / .43 CONTENTS LOCATION Basement & Above 1.68 / .62 1.68 / .62 1.73 / .67 Enclosure & Above 1.68 / .71 1.68 / .71 1.73 / .80 Lowest Floor Only -Above Ground Level 1.32 / .65 1.32 / .65 1.06 / .47 Lowest Floor Above Ground Level and Higher Floors 1.32 / .41 1.32 / .41 1.06 / .34 Above Ground Level -More than One Full Floor .39 / .13 .39 / .13 .24 / .13 Manufactured (Mobile) Home 3 .93 / .58 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. 1 POST-FIRM NOT ELEVATION-RATED RATES OCCUPANCY Single Family 2-4 Family Other Residential Non-Residential Building Contents Building Contents Building Contents Building Contents BUILDING TYPE No Basement/Enclosure .86 / .23 1.32 / .41 .86 / .23 .81 / .23 .81 / .23 With Basement .98 / .33 1.49 / .47 .98 / .33 1.04 / .33 1.04 / .33 With Enclosure .98 / .37 1.49 / .54 .98 / .37 1.04 / .37 1.04 / .37 Elevated on Crawlspace .86 / .23 1.32 / .41 .86 / .23 .81 / .23 .81 / .23 Non-Elevated with Subgrade Crawlspace .86 / .23 1.32 / .41 .86 / .23 .81 / .23 .81 / .23 Manufactured (Mobile) Home 2 .86 / .42 1.32 / .41 1.04 / .43 CONTENTS LOCATION Basement & Above 1.68 / .62 1.68 / .62 1.73 / .67 Enclosure & Above 1.68 / .71 1.68 / .71 1.73 / .80 Lowest Floor Only -Above Ground Level 1.32 / .65 1.32 / .65 1.06 / .47 Lowest Floor Above Ground Level and Higher Floors 1.32 / .41 1.32 / .41 1.06 / .34 Above Ground Level -More than One Full Floor .39 / .13 .39 / .13 .24 / .13 Manufactured (Mobile) Home 2 .93 / .58 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/ Crawlspace 4 More than One Floor, No Basement/Encl/ Crawlspace 4 More than One Floor, With Basement/Encl/ Crawlspace4 Manufactured (Mobile) Home 1 1-4 Family Other Residential & Non-Residential 1-4 Family Other Residential & Non-Residential 1-4 Family Other Residential & Non-Residential Single Family Non-Residential +4 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .24 / .08 .20 / .08 .26 / .09 .22 / .09 +3 .27 / .08 .22 / .09 .25 / .08 .20 / .08 .25 / .08 .20 / .08 .28 / .09 .24 / .09 +2 .42 / .08 .29 / .09 .28 / .08 .23 / .08 .27 / .08 .22 / .08 .48 / .09 .37 / .10 +1 .73 / .10 .52 / .11 .52 / .09 .32 / .09 .34 / .09 .26 / .09 .86 / .42 .75 / .13 0 .86 / .23 .81 / .23 .86 / .23 .81 / .23 .82 / .09 .67 / .16 .86 / .42 1.04 / .43 -12 See Footnote2 FIRM ZONES AR and AR Dual Zones --CONTENTS RATES Elevation of Lowest Floor Above or Below BFE Lowest Floor Only – Above Ground Level (No Basement/Encl/ Crawlspace 4) Lowest Floor Above Ground Level & Higher Floors (No Basement/Encl/ Crawlspace 4) More than One Floor With Basement/Enclosure/ Crawlspace 4 Manufactured (Mobile) Home 1 Residential Non-Residential Residential Non-Residential Residential Non-Residential Single Family Non-Residential +4 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .13 +3 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .13 .24 / .13 +2 .38 / .12 .24 / .12 .38 / .12 .22 / .12 .38 / .12 .22 / .12 .38 / .15 .34 / .15 +1 .52 / .12 .35 / .16 .38 / .12 .25 / .12 .38 / .12 .22 / .12 .58 / .17 .53 / .23 0 1.18 / .12 .81 / .31 .67 / .12 .59 / .20 .41 / .12 .32 / .12 1.12 / .23 .77 / .48 -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 +4 +3 Single Family 2-4 Family .35 / .12 .35 / .12 Other Residential .35 / .12 .35 / .12 Non-Residential .22 / .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 .35 / .12 .22 / .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. RATE 10 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-FIRM A, AE, A1-A30, AO, AH $ 5 $ 4 $ 5 $ 4 AR, AR DUAL ZONES $ 5 $ 4 $ 5 $ 4 POST-‘81 V1-V30, VE $18 $13 $18 $13 =75-‘81 V1-V30, VE $30 $20 $30 $20 A99, B, C, X, D $ 5 $ 4 $ 5 $ 4 Pre-FIRM A, AE, A1-A30, AO, AH $70 $55 $70 $55 AR, AR DUAL ZONES $ 5 $ 4 $ 5 $ 4 V, VE, V1-V30 $70 $55 $70 $55 A99, B, C, X, D $ 5 $ 4 $ 5 $ 4 NOTES: (1) ICC coverage does not apply to the Emergency Program, individually owned condominium units insured under the Dwelling Form or General Property Form, contents-only policies, and Group Flood Insurance Policies. (2) The ICC premium is not eligible for the deductible discount. First calculate the deductible discount, then add in the ICC premium. (3) Use only 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. (9) For Submit for-Rate policies, use the ICC premium table contained in the Specific Rating Guidelines. TABLE 3A. RCBAP HIGH-RISE CONDOMINIUM RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) BUILDING BUILDING TYPE REGULAR PROGRAM PRE-FIRM1 REGULAR PROGRAM POST-FIRM A, A1-A30, AE, AO, AH, D V, VE A99, B, C, X A99, B, C, X D No Basement/Enclosure .85/.22 1.08/ .53 1.06/.05 1.06/.05 1.16/.24 With Basement .90/.30 1.15/1.13 1.29/.07 1.29/.07 SUBMIT FOR RATE With Enclosure .90/.22 1.15/ .55 1.12/.05 1.12/.05 Elevated on Crawlspace .85/.22 1.08/ .53 1.06/.05 1.06/.05 Non-Elevated with Subgrade Crawlspace .85/.22 1.08/ .53 1.06/.05 1.06/.05 CONTENTS CONTENTS LOCATION REGULAR PROGRAM PRE-FIRM1 REGULAR PROGRAM POST-FIRM A, A1-A30, AE, AO, AH, D V, VE A99, B, C, X A99, B, C, X D Basement/Subgrade Crawlspace and above .96/.90 1.23/2.23 1.68/.62 1.68/.62 SUBMIT FOR RATE Enclosure/Crawlspace and above .96/1.07 1.23/2.63 1.68/.71 1.68/.71 Lowest floor only-above ground level .96/1.07 1.23/2.63 1.32/.65 1.32/.65 1.11/.65 Lowest floor above ground level and higher floors .96/.74 1.23/2.32 1.32/.34 1.32/.34 1.11/.45 Above ground level more than 1 full floor .35/.14 .47/.34 .39/.13 .35/.12 .35/.12 BUILDING—A1-A30, AE · POST-FIRM ELEVATION 3 OR MORE FLOORS NO BASEMENT/ENCLOSURE/CRAWLSPACE3 3 OR MORE FLOORS WITH BSMNT/ENCL/CRAWLSPACE3 +4 .33/.03 .33/.03 +3 .35/.03 .34/.03 +2 .45/.03 .40/.03 +1 .81/.04 .56/.04 0 1.43/.05 1.28/.05 -12 5.26/.15 3.16/.12 -2 S U B M I 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 1.18/.12 .67/.12 .41/.12 .35/.12 -12 3.45/.70 2.00/.47 .66/.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 TABLE 3B. RCBAP HIGH-RISE CONDOMINIUM RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) AO, AH POST-FIRM NO BASEMENT/ENCLOSURE/CRAWLSPACE/SUBGRADE CRAWLSPACE BUILDINGS1 BUILDING CONTENTS WITH CERTIFICATION OF COMPLIANCE2 .44/.04 .38/.13 WITHOUT CERTIFICATION OF COMPLIANCE OR WITHOUT ELEVATION CERTIFICATE3 .99/.09 1.17/.22 POST-FIRM UNNUMBERED A-ZONE -WITHOUT BASEMENT/ENCLOSURE/CRAWLSPACE/SUBGRADE CRAWLSPACE1,7 ELEVATION DIFFERENCE TO NEAREST FOOT BUILDING CONTENTS4 TYPE OF ELEVATION CERTIFICATE +5 OR MORE .88/.05 .49/.12 NO ESTIMATED BASE FLOOD ELEVATION5 +2 TO +4 1.54/.06 .78/.15 +1 2.51/.14 1.50/.27 0 OR BELOW *** *** +2 OR MORE .75/.04 .44/.12 WITH ESTIMATED BASE FLOOD ELEVATION6 0 TO +1 1.35/.06 .94/.15 -1 5.34/.18 2.66/.41 -2 OR BELOW *** *** NO ELEVATION CERTIFICATE 7.20/1.26 3.33/.91 NO ELEVATION CERTIFICATE 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. 5 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. 6 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. 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 TABLE 3C. RCBAP HIGH-RISE CONDOMINIUM RATES ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) AR AND AR DUAL ZONES BUILDING 1,2 3 PRE-FIRMAND POST-FIRMNOT ELEVATION-RATED BUILDING TYPE RATES No Basement/Enclosure 1.06/.05 With Basement 1.29/.07 With Enclosure 1.12/.05 Elevated on Crawlspace 1.06/.05 Non-Elevated with Subgrade Crawlspace 1.06/.05 CONTENTS 1,2 3 PRE-FIRMAND POST-FIRMNOT ELEVATION-RATED CONTENTS LOCATION RATES Basement/Subgrade Crawlspace and above 1.68/.62 Enclosure/Crawlspace and above 1.68/.71 Lowest floor only-above ground level 1.32/.65 Lowest floor above ground level and higher floors 1.32/.34 Above ground level more than 1 full floor .35/.12 BUILDING PRE-FIRM AND POST-FIRM ELEVATION-RATED ELEVATION 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 .45/.03 .40/.03 +1 .81/.04 .56/.04 0 1.06/.05 1.28/.05 -14 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 1.18/.12 .67/.12 .41/.12 .35/.12 -1 4 See Footnote 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 Base deductible is $1,000. 4 Use Pre-FIRM Not Elevation-Rated AR and AR Dual Zones Rate Table above. 5 Includes subgrade crawlspace. 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 3 OR MORE FLOORS NO BASEMENT/ENCLOSURE/ CRAWLSPACE 5 3 OR MORE FLOORS WITH BASEMENT/ENCLOSURE/ CRAWLSPACE 5 0 3 3.05/.15 2.91/.15 -1 4 8.90/.64 4.68/.48 -2 *** *** 1975-1981 POST-FIRM CONSTRUCTION FIRM ZONES V1-V30, VE – CONTENTS RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE CONTENTS LOCATION LOWEST FLOOR ONLY-ABOVE GROUND LEVEL (NO BASEMENT/ ENCLOSURE/ CRAWLSPACE 5 ) LOWEST FLOOR ABOVE GROUND LEVEL AND HIGHER FLOORS (NO BASEMENT/ENCLOSURE/ CRAWLSPACE 5 ) BASEMENT/ ENCLOSURE/ CRAWLSPACE 5 AND ABOVE ABOVE GROUND LEVEL-MORE THAN ONE FULL FLOOR 0 3 4.50/.63 2.95/.70 1.65/.77 .62/.29 -1 4 9.91/4.81 5.85/3.71 1.95/.77 .62/.29 -2 *** *** *** *** 1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use the Post-‘81 V Zone rate table if the rates are more favorable to the insured. See instructions 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. 4 Use 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. 5 Includes subgrade crawlspace. ***SUBMIT FOR RATING. REGULAR PROGRAM 1975-1981 POST-FIRM CONSTRUCTION UNNUMBERED V ZONE – ELEVATED BUILDINGS SUBMIT FOR RATING 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/.57 .96/1.06 .93/1.51 1.23/2.77 .74/.21 1.20/.37 WITH BASEMENT .75/.70 .96/.89 1.00/2.62 1.23/2.61 .81/.30 1.36/.46 WITH ENCLOSURE .75/.83 .96/.92 1.00/2.85 1.23/2.84 .81/.34 1.36/.54 ELEVATED ON CRAWLSPACE .70/.57 .96/1.06 .93/1.51 1.23/2.77 .74/.21 1.20/.37 NON-ELEVATED WITH SUBGRADE CRAWLSPACE .70/.57 .96/1.06 .93/1.51 1.23/2.77 .74/.21 1.20/.37 REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATES 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/.65 WITH BASEMENT .81/.30 1.36/.46 *** *** WITH ENCLOSURE .81/.34 1.36/.54 *** *** ELEVATED ON CRAWLSPACE .74/.21 1.20/.37 1.03/.39 1.11/.65 NON-ELEVATED WITH SUBGRADE CRAWLSPACE .74/.21 1.20/.37 1.03/.39 1.11/.65 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 .95/.21 1.17/.22 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 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 .20/.08 .18/.08 .18/.08 +2 .27/.08 .20/.08 .20/.08 +1 .49/.09 .29/.08 .24/.08 0 1.20/.10 .78/.10 .61/.10 -1 2 3.15/.84 2.37/.70 1.38/.57 -2 *** *** *** FIRM ZONES A1-A30, AE --CONTENTS RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE1 CONTENTS LOCATION LOWEST FLOOR ONLY ­ABOVE GROUND LEVEL (NO BASEMENT/ ENCLOSURE/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 1.18/.12 .67/.12 .41/.12 .35/.12 -1 2 3.45/.70 2.00/.47 .66/.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. 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 .36/.10 .49/.12 NO ESTIMATED BASE FLOOD ELEVATION3 +2 TO +4 1.01/.12 .78/.15 +1 2.03/.63 1.50/.27 0 OR BELOW *** *** +2 OR MORE .34/.08 .44/.12 WITH ESTIMATED BASE FLOOD ELEVATION4 0 TO +1 .78/.11 .94/.15 -1 2.94/.83 2.66/.41 -2 OR BELOW *** *** NO ELEVATION CERTIFICATE5 3.68/1.44 3.33/.91 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. 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 .20/.08 .18/.08 .18/.08 +2 .27/.08 .20/.08 .20/.08 +1 .49/.09 .29/.08 .24/.08 0 .74/.21 .78/.10 .61/.10 -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 1.18/.12 .67/.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. 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 2.73/.51 2.19/.51 1.89/.51 -14 5.98/3.12 5.47/3.12 3.91/2.83 -2 *** *** *** REGULAR PROGRAM – 1975-19811 POST-FIRM CONSTRUCTION FIRM ZONES V1-V30, VE – CONTENTS RATES ELEVATION OF LOWEST FLOOR ABOVE OR BELOW BFE CONTENTS LOCATION LOWEST FLOOR ONLY ­ABOVE GROUND LEVEL (NO BASEMENT/ENCLOSURE/ 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 4.50/.63 2.95/.70 1.65/.77 .62/.29 -14 9.91/4.81 5.85/3.71 1.95/.77 .62/.29 -2 *** *** *** .62/.29 1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use the Post-‘81 V Zone rate table if the rates are more favorable to the insured. See instructions 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 TABLE 5A. RCBAP HIGH-RISE AND LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE 1981 POST-FIRM V1-V30, VE ZONE RATES1 Elevated Buildings Free of Obstruction2 Below the Beam Supporting the Building’s Lowest Floor Elevation of the bottom of the floor beam of the lowest floor above or below Base Flood Elevation adjusted for wave height at building site3 Building Rate Contents Rate +4 or more .71 .53 +3 .86 .54 +2 1.12 .73 +1 1.63 1.25 0 2.34 1.90 -1 3.07 2.73 -2 4.15 3.90 -3 5.35 5.35 -4 or lower *** *** Rates above are only for elevated buildings. Use Specific Rating Guidelines for non-elevated buildings. 1 Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones VE and V1-V30 will be allowed to use the Post-‘81 V Zone rate table if the rates are more favorable to the insured. See instructions 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 ˝ 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 TABLE 5B. RCBAP HIGH-RISE AND LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) ANNUAL RATES PER $100 OF COVERAGE 1981 POST-FIRM V1-V30, VE ZONE RATES1,2 Elevated Buildings With Obstruction3 Below the Beam Supporting the Building’s Lowest Floor Elevation of the bottom of the floor beam of the lowest floor above or below Base Flood Elevation adjusted for wave height at building site4 Building Rate Contents Rate +4 or more 1.28 .67 +3 1.43 .68 +2 1.68 .86 +1 2.12 1.38 0 2.93 2.05 -15 3.53 2.81 -25 4.67 4.01 -35 5.89 5.48 -4 or lower 5 *** *** 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 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 details. 4 Wave height adjustment is not required in those cases where the Flood Insurance Rate Map indicates that the map includes wave height. 5 For buildings with obstruction, use Submit-for-Rate 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 TABLE 6. RCBAP HIGH-RISE AND LOW-RISE CONDOMINIUM RATES (Including Townhouse/Rowhouse) INCREASED COST OF COMPLIANCE (ICC) COVERAGE All Except Submit for Rate Policies1 Premiums for $30,000 ICC Coverage FIRM2 ZONE PREMIUM Post-FIRM A, AE, A1-A30, AO, AH $ 5 AR, AR DUAL ZONES $ 5 Post-‘81 V1-V30, VE $ 18 =75-‘81 V1-V30, VE $ 30 A99, B, C, X, D $ 5 Pre-FIRM A, AE, A1-A30, AO, AH $ 70 AR, AR DUAL ZONES $ 5 V, VE, V1-V30 $ 70 A99, B, C, X, D $ 5 1Use the ICC premium table contained in the Specific Rating Guidelines. 2Elevation-rated Pre-FIRM buildings should use Post-FIRM ICC premiums. 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 3.73 3.77 N/A A Zones -All building & occupancy types, except A99, AR, AR Dual Zones 3.73 / 1.89 3.77 / 1.80 70.00 V Zones -All building & occupancy types 5.56 / 5.56 5.22 / 5.22 70.00 A99 Zone, AR, AR Dual Zones .96 / .57 1.28 / .51 5.00 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. ATTACHMENT C DECLARATIONS PAGE REQUIREMENTS EFFECTIVE OCTOBER 1, 2010 Effective October 1, 2010, WYO Companies and the NFIP Servicing Agent are required to print the following information on each policy declarations page. 1) Policy Type (DP, GFIP, GP, MPPP, PRP, RCBAP) 2) Policy Number 3) Policy Term 4) Endorsement Effective Date 5) Insured’s Name 6) Mailing Address 7) Agent’s Name and Address 8) Property Location 9) Community Name/Number 10) Flood Hazard Zone 11) NFIP Grandfathering Rules (Yes/No) 12) Building Occupancy (single family, 2-4 family, high/low-rise, etc.) 13) Building Type (one floor, two floors, with basement, elevated, etc.) 14) If RCBAP, number of units and RCV of the building 15) First Mortgagee 16) Second Mortgagee 17) Building Coverage 18) Contents Coverage 19) Building Deductible 20) Contents Deductible 21) Building and Contents Premium 22) Deductible Discount 23) ICC Premium 24) Probation Surcharge 25) CRS Credit 26) Federal Policy Fee 27) Annual Premium/Endorsement Premium