U.S. Department of Homeland Security 
500 C Street, SW 
Washington, DC 20472 


W-09072 

November 2, 2009 
MEMORANDUM TO: Write Your Own Principal Coordinators and the 

FROM: Edward Connor 
Acting Federal Insurance Administrator 

National Flood Insurance Program 
National Flood Insurance Program Servicing Agent 

SUBJECT: May 1, 2010, Program Changes 

The purpose of this memorandum is to provide notification of the changes that the National Flood 
Insurance Program (NFIP) will implement effective May 1, 2010, as specified below: 


Increase the Federal Policy Fee to fund Program administrative costs (including an increase 
to the Federal Policy Fee for Preferred Risk Policies) 
Decrease building rates to comply with the statutory annual limitation on premium increases 
Update the Community Rating System listing (changes will be provided early 2010) 
Please see the following attachments for more details of these upcoming Program changes. 


Attachment A – Rate Changes Effective May 1, 2010 
Attachment B – Edit Specifications Changes Effective May 1, 2010 

There will be no Transaction Record Reporting and Processing (TRRP) Plan changes for May 1, 
2010. 
If you have any questions, please contact your WYO Company Business Consultant. 
Attachments 

cc: Vendors, IBHS, FIPNC, Government Technical Representative 
Suggested Routing: Data Processing, Underwriting, Marketing 
www.fema.gov 


ATTACHMENT A 

RATE CHANGES EFFECTIVE MAY 1, 2010 

(Changes appear in bold print with a change bar in the margin of the page.) 


TABLE 2. REGULAR PROGRAM -- PRE-FIRM CONSTRUCTION RATES1, 2 
ANNUAL RATES PER $100 OF COVERAGE 
(Basic/Additional) 

A 
Building Contents Building Contents Building Contents Building Contents 
TYPE 
.76 / .56 .96 / 1.03 .76 / .56 .76 / 1.18 .83 / 1.13 
With Basement .81 / .83 .96 / .86 / .83 .76 / .98 .88 / 1.11 
With Enclosure .81 / 1.01 .96 / 1.03 .81 / 1.01 .81 / 1.24 .88 / 1.39 
.76 / .56 .96 / 1.03 .76 / .56 .76 / 1.18 .83 / 1.13 
Non-Elevated with 
Subgrade .76 / .56 .96 / .86 .76 / .56 .76 / 1.18 .83 / 1.13 
3 .76 / .56 .96 / 1.03 .83 / 1.13 
4 .96 / .86 .96 / .86 1.62 / 1.92 
5 .96 / 1.03 .96 / 1.03 1.62 / 2.30 
l 
.96 / 1.03 .96 / 1.03 1.62 / 1.01 
gher 
.96 / .71 .96 / .71 1.62 / .86 
r .35 / .13 .35 / .13 .24 / .13 
3 1.62 / 1.01 
A 
Building Contents Building Contents Building Contents Building Contents 
TYPE 
.99 / 1.47 1.23 / .99 / 1.47 .99 / 2.72 1.10 / 
With Basement 1.06 / 1.23 / 1.06 / 1.06 / 1.16 / 
With Enclosure 1.06 / 1.23 / 1.06 / 1.06 / 1.16 / 
r pace .99 / 1.47 1.23 / .99 / 1.47 .99 / 2.72 1.10 / 
Non-Elevated with 
Subgrade lspace .99 / 1.47 .99 / 1.47 .99 / 2.72 1.10 / 
Manufactured ( ) Home3 .99 / 6.08 1.23 / / 
4 1.23 / 2.14 / 
5 1.23 / 2.14 / 
l 
gher 
r 
Manufactured ( ) Home3 2.14 / 
.81 
OCCUP NCY Single Family 2-4 Family Other Residential Non-Residential 
BUILDING 
No Basement/Enclosure 
Elevated on Crawlspace 
Crawlspace 
Manufactured (Mobile) Home 
CONTENTS 
LOCATION 
Basement & Above 
Enclosure & Above 
Lowest Floor Only - Above 
Ground Leve 
Lowest Floor Above Ground 
Level and Hi Floors 
Above Ground Level - More 
than One Full Floo 
Manufactured (Mobile) Home 
OCCUP NCY Single Family 2-4 Family Other Residential Non-Residential 
BUILDING 
No Basement/Enclosure 2.54 2.82 
2.20 2.14 2.20 4.07 4.21 
2.60 2.53 2.60 4.55 4.70 
Elevated on C awls 2.54 2.82 
Craw 1.23 / 2.14 2.82 
Mobile 2.53 1.10 10.44 
CONTENTS 
LOCATION 
Basement & Above 2.14 1.23 / 2.14 5.00 
Enclosure & Above 2.53 1.23 / 2.53 5.39 
Lowest Floor Only - Above 
Ground Leve 1.23 / 2.53 1.23 / 2.53 2.14 / 4.52 
Lowest Floor Above Ground 
Level and Hi Floors 1.23 / 2.23 1.23 / 2.23 2.14 / 3.90 
Above Ground Level - More 
than One Full Floo .47 / .32 .47 / .32 .45 / .43 
Mobile 9.80 
FIRM ZONES A, AE, A1-A30, AO, AH, D 
FIRM ZONES V, VE, V1-V30 
FIRM ZONES A99, B, C, X 

A 
Building Contents Building Contents Building Contents Building Contents 
TYPE 
1.20 / .37 .78 / .21 .74 / .21 
With Basement 1.36 / .43 .89 / .30 .95 / .30 
With Enclosure 1.36 / .49 .89 / .34 .95 / .34 
r pace 1.20 / .37 .78 / .21 .74 / .21 
Non-Elevated wi 
Subg pace 
Manufactured ( ) Home3 1.20 / .37 
4 1.53 / .56 1.58 / .61 
5 1.53 / .65 1.58 / .73 
.97/ .43 
l 
gher 
r 
Manufactured ( ) Home3 .85 / .53 
OCCUP NCY Single Family 2-4 Family Other Residential Non-Residential 
BUILDING 
No Basement/Enclosure .78 / .21 .74 / .21 
.89 / .30 .95 / .30 
.89 / .34 .95 / .34 
Elevated on C awls .78 / .21 .74 / .21 
th 
rade Crawls .78 / .21 1.20 / .37 .78 / .21 .74 / .21 .74 / .21 
Mobile .78 / .38 .95 / .39 
CONTENTS 
LOCATION 
Basement & Above 1.53 / .56 
Enclosure & Above 1.53 / .65 
Lowest Floor Only - Above 
Ground Level 1.20 / .59 1.20 / .59 
Lowest F oor Above Ground 
Level and Hi Floors 1.20 / .37 1.20 / .37 .97 / .31 
Above Ground Level - More 
than One Full Floo .35 / .12 .35 / .12 .22 / .12 
Mobile 
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. 

RATE 2 


TABLE 3B. REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES 
ANNUAL RATES PER $100 OF COVERAGE 
(Basic/Additional) 

FIRM ZONES AE, A1-A30 -- BUILDING RATES 

r r r 
No Basement/Enclosure/ With Basement/ 2 
4 l 4 Crawlsp 4 
One Floo More than One Floo More than One Floo No Basement/Enclosure/ (MMoabniulefa) cHtuormede ace Crawlspace Enclosure/Craw space 
Elevation of 1-4 Family Other 1-4 Family Other 1-4 Family Other Single Non- 
Lowest Floor 
Above or 
Residential 
& NonResidential 
& NonResidential 
& NonFamily 
Residential 
Below BFE 1 Residential Residential Residential 
+4 
+3 
.24 / 
.24 / 
.08 
.08 
.20 / 
.20 / 
.08 
.08 
.24 / 
.24 / 
.08 
.08 
.20 / .08 
.20 / .08 
.24/ .08 
.24 / .08 
.20 / .08 
.20 / .08 
.24 / .08 
.25 / .08 
.20 / .08 
.22 / .08 
+2 .38 / .08 .25 / .08 .25 / .08 .20 / .08 .25 / .08 .20 / .08 .43 / .08 .34 / .08 
+1 .68 / .09 .45 / .10 .46 / .08 .28 / .08 .30 / .08 .25 / .08 .88 / .09 .72 / .08 
0 1.42 / .11 1.31 / .12 1.03 / .10 .79 / .15 .73 / .09 .59 / .16 2.25 / .11 1.83 / .09 
-13 3.79 / 1.39 5.38 / 1.35 3.33 / 1.21 3.64 / .62 1.89 / .67 1.74 / .70 *** *** 
-2 *** *** *** *** *** *** *** *** 
FIRM ZONES AE, A1-A30 -CONTENTS 
RATES 
Elevation of 
Lowest F loor 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 
Lowest Floor 
Above or 
Below BFE 1 
Residential Non- 
Residential 
Residential Non- 
Residential 
Residential Non- 
Residential 
Single 
Family 
NonResidential 
+4 
+3 
.38 / .12 
.38 / .12 
.22 / .12 
.22 / .12 
.38 / .12 
.38 / .12 
.22 / .12 
.22 / .12 
.38 / .12 
.38 / .12 
.22 / .12 
.22 / .12 
.38 / .12 
.38 / .12 
.22 / .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 Above Ground Level 
Lowest Floor More than One Full F loor 
Above or 
Below BFE1 
Single Family 2-4 Family Other Residential Non-Residential 

+4 .35 / .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 
.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 
RATE 4 


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 

One Floor, No 
Basement/Encl/ 
5 5 5 
Manufactur ( ) 
Home2 
Crawlspace 
More than One Floor, 
No Basement/Encl/ 
Crawlspace 
More than One Floor, 
With Basement/Encl/ 
Crawlspace 
ed Mobile 
Elevation of 1-4 Family Other 1-4 Family 
Lowest Floor Residential & 
Above or NonBelow 
BFE Residential 

Other 1-4 Family Other Single Non- 
Residential Residential Family Residential 
& Non& 
Non- 
Residential Residential 

0 
3 

2.54 / .46 3.08 / 1.20 2.06 / .46 2.23 / 1.12 1.78 / .46 1.99 / .91 3.82 / .38 5.46 / .34 
-14 5.44 / 2.79 8.12 / 4.48 4.98 / 2.79 6.99 / 3.41 3.53 / 2.53 3.70 / 3.46 *** *** 
-2 *** *** *** *** *** *** *** *** 
FIRM ZONES '75-81, V1-V30, VE – CONTENTS RATES 

l 

Lowest F oor 
l 

Above Ground Level 

Lowest F oor Only -- 

More than One Floor 

Manufactured (Mobile) 
Above Ground Level 

With 

& Higher Floors (No 

Home2 
(No Basement/Encl/ 

Basement/Encl/ 

Basement/Enclosure/ 
Elevation of 

Crawlspace5) 

Crawlspace5) 

Crawlspace5 
Lowest Floor Residential Non- Residential Non- Residential Non- Single Non- 
Above or Residential Residential Residential Family Residential 
Below BFE 

3 

0 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 

Above Ground Level 
Lowest Floor 

More than One Full Floor 
Above or 

Single Family 

2-4 Family 

Other Residential 

Non-Residential 
Below BFE 

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 

RATE 6 


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 3 
lowest floor Elevated Buildings Free of Obstruction 
above or below 

BFE adjusted for 
wave height2 
Contents 
Residential Non-Residential 
Replacement Cost 
Ratio .75 or More 4 
Building 
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 1.58 2.11 2.95 
0 1.66 1.78 2.03 2.72 3.82 
-1 2.40 2.47 2.69 3.55 4.62 
-2 3.33 3.51 3.54 4.64 5.92 
-3 4.57 4.85 4.56 6.10 7.73 
-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 

RATE 7 


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 Elevated Buildings With Obstruction6 
lowest floor 
above or below 

wave height3 
BFE adjusted for Contents 
Residential Non-Residential 
Replacement Cost 
Ratio .75 or More5 
Building 
Replacement Cost 
Ratio .50 to .745 
Replacement Cost 
Ratio Under .505 
+4 or more .53 .53 1.46 1.95 2.90 
+3 .54 .54 1.63 2.15 3.28 
+2 .70 .70 1.91 2.49 3.81 
+1 1.25 1.33 2.34 3.14 4.55 
0 1.79 1.88 2.76 3.78 5.13 
-16 2.47 2.61 3.29 4.37 5.88 
-26 3.43 3.66 4.09 5.38 6.99 
-36 4.68 4.98 5.27 6.86 8.82 
-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 

RATE 8 


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 

lsp 4 lsp 4 p 4 1 
One Floor, No 
Basement/Encl/ 
Craw ace 
More than One Floor, 
No Basement/Encl/ 
Craw ace 
More than One Floor, 
With Basement/Encl/ 
Crawls ace 
Manufactured 
(Mobile) Home 
Elevation of 1-4 Family Other 1-4 Family Other 1-4 Family Other Single Non- 
Lowest F loor Residential Residentia l Residential Family Residentia l 
Above or & Non& 
Non& 
Non- 
Below BFE Residentia l Residentia l Residentia l 
+4 
+3 
.24 / .08 
.24 / .08 
.20 / .08 
.20 / .08 
.24 / .08 
.24 / .08 .20 / 
.20 / .08 
.08 .24 / .08 
.24 / .08 
.20 / .08 
.20 / .08 .24 / .08 
.25 / .08 .22 / .08 
.20 / .08 
+2 .38 / .08 .25 / .08 .25 / .08 .20 / .08 .25 / .08 .20 / .08 .43 / .08 .34 / .08 
+1 .68 / .08 .45 / .10 .46 / .08 .28 / .08 .30 / .08 .25 / .08 .78 / .38 .72 / .08 
0 .78 / .21 .74 / .21 .78 / .21 .81 / .15 .74 / .09 .59 / .16 .78 / .38 .95 / .39 
-12 See Footnote 2 
FIRM ZONES AR and AR Dual Zones -- CONTENTS RATES 
loor 
Elevation of 
Lowest F 
l 
l 
4) 
Lowest F oor Only – 
Above Ground Leve 
(No Basement/Encl/ 
Crawlspace 
loor 
l 
Basement/Encl/ 
4) 
Lowest F 
Above Ground Leve 
& Higher Floors (No 
Crawlspace 
loor 
With 
Basement/Enclosure/ 
4 
More than One F 
Crawlspace 
1 
Manufactured 
(Mobile) Home 
Above or Residential Non- Residential Non- Residential Non- Single Non- 
Below BFE Residentia l Residentia l Residentia l Family Residentia l 
+4 
+3 
.38 / .12 
.38 / .12 
.22 / .12 
.22 / .12 
.38 / .12 
.38 / .12 .22 / 
.22 / .12 
.12 .38 / .12 
.38 / .12 
.22 / .12 
.22 / .12 .38 / .12 
.38 / .12 .22 / .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 Footnote 2 
FIRM ZONES AR and AR Dual Zones -- CONTENTS RATES 
Elevation of Above Ground Leve l 
Lowest F loor More than One Full F loor 
Above or 
Below BFE Single Family 2-4 Family Other Residential Non-Residential 

+4 .35 / .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 
.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 


TABLE 7. FEDERAL POLICY FEE AND PROBATION SURCHARGE TABLE 

1 
PROBATION 
$40 $50 
FEDERAL POLICY FEE SURCHARGE 
For the Preferred Risk Policy, the Federal Policy Fee is $20.00. 

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. 

RATE 12 


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 - $ 40.00 per policy 

 2-4 units - $ 80.00 per policy 

 5-10 units - $ 200.00 per policy 

 11-20 units - $ 440.00 per policy 

 21 or more - $ 840.00 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 


TABLE 3A. RCBAP HIGH-RISE CONDOMINIUM RATES 
ANNUAL RATES PER $100 OF COVERAGE (Basic/Additional) 

BUILDING 

1 

BUILDING 

REGULAR PROGRAM PRE-FIRM 

REGULAR PROGRAM 
TYPE 

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/.28 1.15/1.08 1.29/.07 

1.29/.07 SUBMIT FOR 
With Enclosure 

.90/.21 1.15/ .53 1.12/.05 

1.12/.05 RATE 
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 REGULA A 1 REGULAR PROGRAM 
LOCATION POST-FIRM 
R PROGR M PRE-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 
Enclosure/Crawl space 
and above .96/1.03 1.23/2.53 1.53/.65 1.53/.65 
RATE 
Lowest floor onlyabove 
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 

3 OR MORE FLOORS 

3 OR MORE FLOORS 
I / 

ELEVAT ON NO BASEMENT ENCLOSURE/CRAWLSPACE3 

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 S U B M I T F O R R A T E 

CONTENTS—A1-A30, AE · POST-FIRM 

LOWEST FLOOR 
LOWEST FLOOR 

ABOVE GROUND LEVEL 

BASEMENT/ 

ABOVE 
ONLY- ABOVE GROUND LEVEL 

ENCLOSURE/ 

AND HIGHER 

GROUND LEVEL 
(NO BSMNT/ENCLOSURE/ 

CRAWLSPACE3 

(NO BSMNT/ENCL/ 

MORE THAN 
ELEVATION CRAWLSPACE3) 

AND ABOVE 

CRAWLSPACE3) 

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 
i i 

(under-floor space) that has its interior floor w thin 2 feet below grade on all sides, which is used for rat ng, is 1 or more feet below 
BFE. 
Includes subgrade crawlspace. 

CONDO 10 


TABLE 3D. RCBAP HIGH-RISE CONDOMINIUM RATES 
ANNUAL RATES PER $100 OF COVERAGE 
(Basic/Additional) 

REGULAR PROGRAM – 1975-19811 POST-FIRM CONSTRUCTION2 

YPE 
FIRM ZONES V1-V30, VE – BUILDING RATES 
ELEVATION OF LOWEST BUILDING T 
3 OR MORE FLOORS 

3 OR MORE FLOORS WITH 

FLOOR ABOVE OR BELOW 

BASEMENT/ENCLOSURE/ 

NO BASEMENT/ENCLOSURE/ 

BFE 

0 
CRAWLSPACE5 
3 

CRAWLSPACE5 

2.76/.14 

2.63/.14 
-14 

8.08/.58 

 4.24/.43 
-2 *** *** 

1975-1981 POST-FIRM CONSTRUCTION 
FIRM ZONES V1-V30, VE – CONTENTS RATES 
CONTENTS LOCATION 

ELEVATION OF LOWEST FLOOR 
LOWEST FLOOR 
ABOVE OR 
BELOW BFE 
ONLY-ABOVE 
GROUND LEVEL (NO 
BASEMENT/ 
CRAWLSPACE5) 
ENCLOSURE/ 
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. 

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 

CONDO 13 


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 

NO BASEMENT/ENCLOSURE .70/.54 .96/ 1.03 .93/1.45 1.23/2.69 .74/.21 1.20/.37 
WITH BASEMENT .75/.67 .96/.86 1.00/2.52 1.23/2.53 .81/.30 1.36/.46 
BUILDING WITH ENCLOSURE .75/.79 .96/.89 1.00/2.74 1.23/2.75 .81/.34 1.36/.54 
TYPE 
ELEVATED ON CRAWLSPACE .70/.54 .96/ 1.03 .93/1.45 1.23/2.69 .74/.21 1.20/.37 
NON-ELEVATED WITH .70/.54 .96/ 1.03 .93/1.45 1.23/2.69 .74/.21 1.20/.37 
SUBGRADE CRAWLSPACE 

REGULAR PROGRAM – POST-FIRM CONSTRUCTION RATES 

A99, B, C, X 

D 

F I R M Z O N E S: 

BUILDING CONTENTS BUILDING 

CONTENTS 

NO BASEMENT/ENCLOSURE 

.74/.21 1.20/.37 1.03/.39 

1.11/.70 

WITH BASEMENT 

.81/.30 1.36/.46 *** 

*** 

BUILDING WITH ENCLOSURE 

.81/.34 1.36/.54 *** 

*** 

TYPE 

ELEVATED ON CRAWLSPACE 

.74/.21 1.20/.37 1.03/.39 

1.11/.70 

NON-ELEVATED WITH 

.74/.21 1.20/.37 1.03/.39 

1.11/.70 

SUBGRADE CRAWLSPACE 

/ I 

AO, AH (NO BASEMENT ENCLOSURE/CRAWLSPACE BUILD NGS ONLY 2) 

F I R M Z O N E S: 

BUILDING 

CONTENTS 

3 

WITH CERTIFICATION OF COMPLIANCE 

.21/.08 

.38/.13 

WITHOUT CERTIFICATION OF COMPLIANCE .86/.21 1.18/.24 
OR WITHOUT ELEVATION CERTIFICATE 4 

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 


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 

BUILD INGTYPE 
ELEVATION OF LOWEST 

ONE FLOOR 

MORE THAN ONE FLOOR NO 

MORE THAN ONE FLOOR WITH 

FLOOR ABOVE OR 

BASEMENT/ENCLOSURE/ 

BASEMENT/ENCLOSURE/ 

NO BASEMENT/ENCLOSURE/ 

BELOW BFE 

CRAWLSPACE5 

CRAWLSPACE5 
03 

CRAWLSPACE5 

2.47/.46 

1.98/.46 

1.71/.46 
-14 

5.42/2.83 

4.96/2.83 

3.54/2.57 
-2 *** *** *** 

REGULAR PROGRAM – 1975-19811 POST-FIRM CONSTRUCTION 
FIRM ZONES V1-V30, VE – CONTENTS RATES 

CONTENTS LOCATION 
LOWEST FLOOR ONLY - LOWEST FLOOR ABOVE GROUND 
ELEVATION OF LOWEST 
FLOOR ABOVE OR 
BELOW BFE 
ABOVE GROUND LEVEL (NO 
BASEMENT/ENCLOSURE/ 
CRAWLSPACE5) 
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 

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 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. 

5 

Includes subgrade crawlspace. 
***SUBMIT FOR RATING. 

REGULAR PROGRAM – 1975-1981 POST-FIRM CONSTRUCTION 
UNNUMBERED V ZONE – ELEVATED BUILDINGS 

SUBMIT FOR RATING 

CONDO 18 


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 

Elev 
site3 
Building 
+4 .65 .53 
+3 .79 .54 
+2 1.03 .73 
+1 1.58 1.25 
0 2.02 1.87 
- 1 2.68 2.59 
- 2 3.52 3.53 
- 3 4.54 4.78 
- 4 *** *** 
ation of the bottom of 
the floor beam of the 
lowest floor above or 
below Base Flood 
Elevation adjusted for 
wave height at building 
Rate 
Contents 
Rate 
or more 
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 

CONDO 19 


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 

Elev 
Building 
site4 
1.16 .67 
+3 1.29 .68 
+2 1.53 .86 
+1 2.06 1.38 
0 2.51 2.00 
-15 3.11 2.72 
-25 3.95 3.66 
-35 4.97 4.91 
- 5 *** *** 
ation of the bottom of 
the floor beam of the 
lowest floor above or 
below Base Flood Contents 
Elevation adjusted for Rate Rate 
wave height at building 
+4 or more 
4 or lower 
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. 

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. 

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 


III. INELIGIBILITY 
For help in determining eligibility/ineligibility 
of various condominium risks, use the PRP 
Condominium Rating Chart on the next page. 

• 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 
signed and dated by a surveyor, engineer, 
architect, or local community official 

• A flood zone determination certification that 
guarantees the accuracy of the information. 
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 $20.00 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 


PRP COVERAGES AVAILABLE EFFECTIVE MAY 1, 2010 

ONE- TO FOUR-FAMILY RESIDENTIAL 
BUILDING AND CONTENTS COVERAGE COMBINATIONS1, 2, 3 

5 6 
Building Contents Premium Building Contents Premium 
$ 8,000 $144 $ 8,000 $119 
$175 $150 
$226 $201 
$267 $237 
$100,000 $294 $100,000 $264 
$125,000 $314 $125,000 $284 
$150,000 $333 $150,000 $303 
$200,000 $368 $200,000 $333 
$250,000 $100,000 $395 $250,000 $100,000 $355 
Contents Above Ground Level More Than One Floor 
With Basement or Enclosure Without Basement or Enclosure 
$ 20,000 $ 20,000 
$ 30,000 $ 12,000 $ 30,000 $ 12,000 
$ 50,000 $ 20,000 $ 50,000 $ 20,000 
$ 75,000 $ 30,000 $ 75,000 $ 30,000 
$ 40,000 $ 40,000 
$ 50,000 $ 50,000 
$ 60,000 $ 60,000 
$ 80,000 $ 80,000 
ALL RESIDENTIAL CONTENTS-ONLY COVERAGE1, 2, 4 
All Other Locations (Basement-Only Not Eligible) 
Contents 

 Premium 

Contents 

Premium 
$ 8,000 

$ 39 

$ 8,000 

$ 58 
$ 12,000 

$ 55 

$ 12,000 

$ 82 

$ 86 

$ 20,000 

$ 20,000 

$118 

$ 30,000 

$ 100 

$ 30,000 

$137 

$ 40,000 

$112 

$ 40,000 

$154 

$ 50,000 

$124 

$ 50,000 

$171 

$ 60,000 

$136 

$ 60,000 

$188 

$ 80,000 

$160 

$ 80,000 

$208 
$100,000 $184 $100,000 $228 

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 
$ 20,000 $158 $172 $185 $198 $210 $221 $232 $242 $252 


Building Coverage 

$ 30,000 $172 $186 $199 $212 $224 $235 $246 $256 $266 
$ 50,000 $206 $220 $233 $246 $258 $269 $280 $290 $300 
$ 75,000 $222 $236 $249 $262 $274 $285 $296 $306 $316 
$100,000 $244 $258 $271 $284 $296 $307 $318 $328 $338 
$125,000 $251 $265 $278 $291 $303 $314 $325 $335 $345 
$150,000 $256 $270 $283 $296 $308 $319 $330 $340 $350 
$200,000 $287 $301 $314 $327 $339 $350 $361 $371 $381 
$250,000 $304 $318 $331 $344 $356 $367 $378 $388 $398 

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 
$ 20,000 $130 $142 $153 $164 $174 $184 $193 $202 $210 

Building Coverage 

$ 30,000 
$ 50,000 
$ 75,000 
$100,000 
$125,000 
$150,000 
$200,000 
$250,000 

$148 
$183 
$203 
$221 
$230 
$237 
$265 
$280 

$159 
$194 
$214 
$232 
$241 
$248 
$276 
$291 

 $170 
$205 
$225 
$243 
$252 
$259 
$287 
$302 

$181 
$216 
$235 
$253 
$262 
$269 
$297 
$312 

$191 
$226 
$245 
$263 
$272 
$279 
$307 
$322 

$201 
$236 
$255 
$273 
$281 
$288 
$316 
$331 

$210 
$245 
$264 
$282 
$290 
$297 
$325 
$340 

 $219 
$254 
$273 
$291 
$299 
$306 
$333 
$348 

$227 
$262 
$281 
$299 
$307 
$314 
$341 
$356 

1 

Add the $50.00 Probation Surcharge, if applicable. 

2 

Premium includes Federal Policy Fee of $20.00. 

3 

Premium 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 


PRP COVERAGES AVAILABLE EFFECTIVE MAY 1, 2008 (cont’d.) 

NON-RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1, 2, 3 
With Basement or Enclosure4 

$ 887 $1,146 $1,394 $1,630 $1,855 $2,069 $2,272 $2,463 $2,643 $2,812 
$100,000 $1,261 $1,520 $1,767 $2,003 $2,228 $2,442 $2,645 $2,836 $3,016 $3,185 
$150,000 $1,536 $1,795 $2,042 $2,278 $2,503 $2,717 $2,920 $3,111 $3,291 $3,460 
$200,000 $1,685 $1,944 $2,191 $2,427 $2,652 $2,866 $3,069 $3,260 $3,440 $3,609 
$250,000 $1,790 $2,049 $2,296 $2,532 $2,757 $2,971 $3,174 $3,365 $3,545 $3,714 
$300,000 $1,906 $2,165 $2,412 $2,648 $2,873 $3,087 $3,290 $3,481 $3,661 $3,830 
$350,000 $2,034 $2,293 $2,540 $2,776 $3,001 $3,215 $3,417 $3,608 $3,788 $3,957 
$400,000 $2,118 $2,377 $2,624 $2,860 $3,085 $3,299 $3,501 $3,692 $3,872 $4,041 
$450,000 $2,214 $2,473 $2,720 $2,956 $3,181 $3,395 $3,597 $3,788 $3,968 $4,137 
$500,000 $2,319 $2,578 $2,825 $3,061 $3,286 $3,500 $3,702 $3,893 $4,073 $4,242 
1, 2, 3 
5 
$ 557 $ 695 $ 827 $ 953 $1,073 $1,187 $1,295 $1,397 $1,493 $1,583 
$100,000 $ 749 $ 887 $1,019 $1,145 $1,265 $1,379 $1,487 $1,589 $1,685 $1,775 
$150,000 $ 892 $1,030 $1,162 $1,288 $1,408 $1,522 $1,630 $1,732 $1,828 $1,918 
$200,000 $1,041 $1,179 $1,311 $1,437 $1,557 $1,671 $1,779 $1,881 $1,977 $2,067 
$250,000 $1,141 $1,279 $1,411 $1,537 $1,657 $1,771 $1,879 $1,981 $2,077 $2,167 
$300,000 $1,247 $1,385 $1,517 $1,643 $1,763 $1,877 $1,985 $2,087 $2,183 $2,273 
$350,000 $1,304 $1,442 $1,574 $1,700 $1,820 $1,934 $2,042 $2,144 $2,240 $2,330 
$400,000 $1,367 $1,505 $1,637 $1,763 $1,883 $1,997 $2,105 $2,207 $2,303 $2,393 
$450,000 $1,436 $1,574 $1,706 $1,832 $1,952 $2,066 $2,174 $2,276 $2,372 $2,462 
$500,000 $1,511 $1,649 $1,781 $1,907 $2,027 $2,141 $2,249 $2,351 $2,447 $2,537 
1, 2 
Contents Above Ground Level More Than One Floor 
Contents Premium Contents Premium 
$152 
$100,000 $227 $100,000 
$150,000 $302 $150,000 
$200,000 $377 $200,000 
$250,000 $452 $250,000 $1,017 
$300,000 $527 $300,000 $1,187 
$350,000 $602 $350,000 $1,357 
$400,000 $677 $400,000 $1,527 
$450,000 $752 $450,000 $1,697 
$500,000 $827 $500,000 $1,867 
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 
NON-RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS 
Without Basement or Enclosure 
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 
NON-RESIDENTIAL CONTENTS-ONLY COVERAGE 
All Other Locations (Basement-Only Not Eligible) 
$ 50,000 $ 50,000 $ 337 
$ 507 
$ 677 
$ 847 
1 

Add the $50.00 Probation Surcharge, if applicable. 

2 

Premium includes Federal Policy Fee of $20.00. 
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 


ATTACHMENT B 
EDIT SPECIFICATIONS CHANGES EFFECTIVE MAY 1, 2010 


 

 

 

 

 

 

 

 

A summary of the May 2010 Edit Specifications updates (Change 7) is as follows: 

 

 

Part 1 (1.1, 1.2, 1.3) – 

 Instructions 

 

 Full reprint 

Part 2 - 

 Edits Dictionary 

 

 PL140030: Federal Policy Fee 

- added text regarding FPF changes, effective May 1, 2010 






 



 

 

 

 

 

 

 

 

 

 NATIONAL FLOOD INSURANCE PROGRAM 

 

 EDIT SPECIFICATIONS 

 

 FOR THE WRITE-YOUR-OWN PROGRAM 

 

 MAY 1, 2004 

 

 

 

 

 

 

 

 

 

 REVISION 8 ............................. MAY 1, 2004 

 

 CHANGE 1 ............................. MAY 1, 2005 

 

 CHANGE 2 ......................... OCTOBER 1, 2005 

 

 CHANGE 3 ............................. MAY 1, 2006 

 

 CHANGE 4 ............................. MAY 1, 2008 

 

 CHANGE 5 (REVISED).................... MAY 1, 2008 

 

 CHANGE 6 ......................... OCTOBER 1, 2009 

 

 CHANGE 6.1 ....................... OCTOBER 1, 2009 

 

 CHANGE 7 ............................. MAY 1, 2010 



 BLANK PAGE 



 INSTRUCTIONS 

 

 1. PURPOSE 

 ------- 

 THIS DOCUMENT IS A DETAILED DESCRIPTION OF THE EDITS 

 PERFORMED BY THE NFIP WRITE-YOUR-OWN SYSTEM. 

 

 THIS DOCUMENT IS DIVIDED INTO THE FOLLOWING CATEGORIES: 

 

 PART 1 - INSTRUCTIONS 

 1.1 - INSTRUCTIONS 

 1.2 - NEW/REVISED EDITS 

 1.3 - DELETED EDITS 

 

 PART 2 - DATA EDIT DICTIONARY 

 

 PART 3 - LEVELS 

 3.1 - POLICY 

 3.2 - CLAIMS 

 

 PART 4 - ERROR CODES/MESSAGES 

 

 PART 5 - FIELD NAMES 

 

 2. DEFINITIONS 

 ----------- 

 DATA ELEMENT: THE TRANSACTION DATA ELEMENT AS NAMED IN 

 THE WYO STATISTICAL PLAN. 

 

 FILE NAME: THE DATA ELEMENTS IN THIS DOCUMENT FALL 

 INTO TWO CATEGORIES - POLICY OR CLAIMS. 

 

 STATUS: INDICATES WHETHER THIS DATA ELEMENT IS 

 REQUIRED OR OPTIONALLY DESIGNATED TO BE 

 REPORTED TO NFIP. 

 

 FIELD NAME: THE NAME OF THE DATA ELEMENT AS FOUND IN 

 THE DATABASE. 

 

 UPDATE: THE UPDATE ACTION UPON SUCCESSFULLY 

 PASSING THE EDITS FOR THE DATA ELEMENT. 

 WITH DATA ELEMENTS THAT UPDATE AS 

 INCREMENTALS, THE EDITS FOR THESE DATA 

 ELEMENTS, EXCLUDING ORDER 10 AND 20, 

 APPLY TO THE SUM OF THE AMOUNT ON FILE 

 AND THE TRANSACTION AMOUNT. 

 

 FORMAT: THE SYSTEM DESCRIPTION OF THE DATA ELEMENT 

 

 ORDER: THIS NUMBER DESIGNATES THE ORDER IN WHICH 

 THE EDITS FOR A DATA ELEMENT ARE TO BE 

 PERFORMED. IF A DATA ELEMENT FAILS AN 

 EDIT, SUBSEQUENT EDITS ARE NOT DONE FOR 

 THE CORRESPONDING DATA ELEMENT. 

 

 EFFECTIVE: THE DATE ON WHICH THE EDIT BECAME 

 EFFECTIVE. 

 

 CANCELLED: THE DATE ON WHICH THE EDIT IS NO LONGER 

 APPLIED. 

 

 EDIT LEVEL: THE POINT IN THE WYO SYSTEM WHERE THE 

 EDITS ARE PERFORMED. 

 

 (0) SPECIAL PROCESS - 

 POLICY - THESE EDITS ARE DONE FOR THE 

 TRANSACTION 81 - CHANGE POLICY 

 

 

 

 



 INSTRUCTIONS 

 

 NUMBER KEY AT THE TIME OF 

 PROCESSING THE TRANSACTIONS. 

 

 CLAIMS - THESE EDITS ARE DONE FOR THE 

 TRANSACTION 84 - CHANGE DATE 

 OF LOSS KEY AND 87 - CHANGE 

 PAYMENT DATE KEY AT THE TIME OF 

 PROCESSING THE TRANSACTIONS. 

 

 (1) REFORMAT/PRE-PROCESSOR PROGRAM - 

 POLICY - THESE EDITS ARE DONE BEFORE 

 LOADING THE INFORMATION ONTO 

 THE POLICY MASTER FILE. 

 

 CLAIMS - THESE EDITS ARE DONE BEFORE 

 LOADING THE INFORMATION ONTO 

 THE CLAIMS MASTER FILE. 

 

 (2) NEW BUSINESS (11) LOAD PROGRAM - 

 THESE EDITS ARE DONE AT THE TIME OF 

 LOADING THE POLICY MASTER FILE WITH 

 THE NEW POLICY RECORDS. 

 

 (3) OTHER POLICY TXN LOAD PROGRAM - 

 THESE EDITS ARE DONE AT THE TIME OF 

 UPDATING THE POLICY MASTER FILE WITH 

 THE "OTHER THAN 11" TRANSACTIONS. 

 

 (9) POLICY LOAD PROGRAMS - 

 THESE EDITS ARE DONE AT THE TIME OF 

 UPDATING THE POLICY MASTER FILE (ALL 

 TRANSACTIONS). 

 

 (4) EDIT PROCESSOR PROGRAM - 

 THESE EDITS ARE DONE AFTER ALL TRANS- 

 ACTIONS HAVE BEEN PROCESSED AGAINST 

 THE POLICY MASTER FILE. 

 

 (5) POST RATING PROGRAM - 

 THESE EDITS ARE DONE AFTER ALL TRANS- 

 ACTIONS HAVE BEEN PROCESSED AGAINST 

 THE POLICY MASTER FILE AND THE POLICIES 

 RATED. 

 

 (6) LENDER PROCESSING PROGRAM - 

 THESE EDITS ARE DONE AT THE TIME OF 

 PROCESSING THE LENDER TRANSACTIONS (99A) 

 AGAINST THE LENDER FILE. 

 

 (7) PREFERRED RISK EDIT PROGRAM - 

 THESE EDITS ARE DONE AFTER ALL TRANS- 

 ACTIONS HAVE BEEN PROCESSED AGAINST 

 THE POLICY MASTER FILE. 

 

 (8) CONDO INSPECTION / GIS SYSTEMS - 

 THESE EDITS ARE DONE AFTER ALL TRANS- 

 ACTIONS HAVE BEEN PROCESSED AGAINST 

 THE POLICY MASTER FILE. 

 

 (2) OPEN CLAIMS/LOSS LOAD PROGRAM - 

 

 

 

 

 

 

 

 

 



 INSTRUCTIONS 

 

 THESE EDITS ARE DONE AT THE TIME OF 

 LOADING THE NEW LOSS RECORDS. 

 

 (3) OTHER CLAIMS TXN LOAD PROGRAM - 

 THESE EDITS ARE DONE AT THE TIME OF 

 UPDATING THE CLAIMS MASTER FILE WITH 

 THE "OTHER THAN 31" TRANSACTIONS. 

 

 (9) CLAIMS LOAD PROGRAM - 

 THESE EDITS ARE DONE AT THE TIME OF 

 UPDATING THE CLAIMS MASTER FILE WITH 

 ALL TRANSACTIONS. 

 

 (4) EDIT PART I PROGRAM - 

 THESE EDITS ARE DONE AFTER ALL 

 TRANSACTIONS HAVE UPDATED THE CLAIMS 

 MASTER FILE. 

 

 (5) EDIT PART II PROGRAM - 

 THESE EDITS ARE DONE AFTER ALL 

 TRANSACTIONS HAVE UPDATED THE CLAIMS 

 MASTER FILE. 

 

 EDIT TYPE: THE EDIT TYPE FALLS INTO TWO CATEGORIES: 

 (I) INFORMATIONAL - THOSE EDITS THAT DO NOT 

 DEPEND ON THE VALUES OF 

 OTHER DATA ELEMENTS. 

 

 (R) RELATIONAL - THOSE EDITS THAT DO DEPEND 

 ON THE VALUES OF OTHER 

 DATA ELEMENTS. 

 

 ERROR TYPE: THE ERROR TYPE FALLS INTO TWO CATEGORIES: 

 (C) CRITICAL - THE DATA ELEMENT IN ERROR 

 IS REQUIRED. 

 

 (N) NON-CRITICAL - THE DATA ELEMENT IN ERROR 

 IS OPTIONAL. 

 

 ERROR CODE: THE FOLLOWING METHOD WAS USED FOR 

 ASSIGNING THE ERROR CODES: 

 

 CHARACTER 

 POSITION DESCRIPTION 

 -------- ---------------------------- 

 1 P - POLICY FIELDS 

 C - CLAIM FIELDS 

 

 2 R - REJECT TRANSACTIONS 

 U - UNREADABLE DATA - 

 I.E. ALPHABETIC DATA IN 

 A NUMERIC FIELD. 

 I - READABLE DATA BUT 

 INVALID CODES OR VALUES. 

 L - RELATIONAL ERRORS 

 

 3 - 5 UNIQUE NUMBER ASSIGNED TO EACH 

 DATA ELEMENT. 

 

 6 - 8 UNIQUE NUMBER ASSIGNED TO EACH 

 EDIT WITHIN A DATA ELEMENT. 

 

 ERROR MESSAGE: THE MESSAGE TO BE DISPLAYED ON THE ERROR 

 REPORTS FOR THE ERROR. 

 

 

 

 

 



 INSTRUCTIONS 

 

 

 

 

 FAILED EDIT 

 UPDATE ACTION:INDICATES THE ACTION TAKEN IF THE DATA 

 FAILS THE PARTICULAR EDIT. 

 

 DESCRIPTION: THE DESCRIPTION OF THE EDIT TO BE 

 PERFORMED. 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 NEW AND REVISED EDITS EFFECTIVE MAY 1, 2010 

 

 

 DATA ELEMENT ORDER ERROR CODE 

 ------------ ----- ---------- 

 

 FEDERAL POLICY FEE 10 PL140030 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 THIS PAGE IS INTENTIONALLY LEFT BLANK. 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 EDITS REMOVED FROM THE EDITS SPECIFICATIONS DOCUMENT 

 

 

 THE FOLLOWING EDITS HAVE BEEN CANCELLED PRIOR TO 

 MAY 1, 2010 AND ARE NOT USED BY THE NFIP PROCESSING 

 OF TRRP DATA. THESE CANCELLED EDIT ERRORS HAVE BEEN 

 REMOVED FROM THIS DOCUMENT. 

 

 DATA ELEMENT ORDER CANCELLED ON ERROR CODE 

 ------------ ----- ------------ ---------- 

 

 ACTUAL SALVAGE RECOVERY 10 1986/01/01 CU109010 

 

 ACTUAL SALVAGE RECOVERY DATE 10 1992/11/01 CU111010 

 20 1992/11/01 CI111020 

 

 ADDITIONAL LIMIT AMOUNT OF INSURANCE - BUILDING 10 1996/10/01 PU052010 

 30 1996/10/01 PL052030 

 40 1996/10/01 PL052040 

 50 1996/10/01 PL052050 

 

 ADDITIONAL LIMIT AMOUNT OF INSURANCE - CONTENTS 10 1996/10/01 PU056010 

 30 1996/10/01 PL056030 

 40 1996/10/01 PL056040 

 50 1996/10/01 PL056050 

 

 ADDITIONAL LIMIT AMOUNT OF PREMIUM - BUILDING 10 1986/01/01 PU053010 

 15 1996/10/01 PR053015 

 30 1996/10/01 PL053030 

 40 1996/10/01 PL053040 

 

 ADDITIONAL LIMIT AMOUNT OF PREMIUM - CONTENTS 10 1986/01/01 PU057010 

 15 1996/10/01 PR057015 

 30 1996/10/01 PL057030 

 40 1996/10/01 PL057040 

 

 ADDITIONAL LIMIT AMOUNT OF PREMIUM REFUND - BUILDING 10 1986/01/01 PU064010 

 15 1996/10/01 PR064015 

 

 ADDITIONAL LIMIT AMOUNT OF PREMIUM REFUND - CONTENTS 10 1986/01/01 PU065010 

 15 1996/10/01 PR065015 

 

 AGENT TAX-SSN 10 2008/05/01 PI186010 

 

 BASE FLOOD ELEVATION 50 2006/05/01 PU049050 

 60 2006/05/01 PI049060 

 70 2006/05/01 PL049070 

 80 2006/05/01 PL049080 

 

 BASIC LIMIT AMOUNT OF INSURANCE - BUILDING 10 1996/10/01 PU050010 

 30 1996/10/01 PL050030 

 40 1996/10/01 PL050040 

 50 1996/10/01 PL050050 

 

 BASIC LIMIT AMOUNT OF INSURANCE - CONTENTS 10 1996/10/01 PU054010 

 30 1996/10/01 PL054030 

 40 1996/10/01 PL054040 

 

 BASIC LIMIT AMOUNT OF PREMIUM - BUILDING 10 1986/01/01 PU051010 

 15 1996/10/01 PR051015 

 30 1996/10/01 PL051030 

 

 BASIC LIMIT AMOUNT OF PREMIUM - CONTENTS 10 1986/01/01 PU055010 

 15 1996/10/01 PR055015 

 30 1996/10/01 PL055030 

 

 BASIC LIMIT AMOUNT OF PREMIUM REFUND - BUILDING 10 1986/01/01 PU062010 

 15 1996/10/01 PR062015 



 

 EDITS REMOVED FROM THE EDITS SPECIFICATIONS DOCUMENT 

 

 

 THE FOLLOWING EDITS HAVE BEEN CANCELLED PRIOR TO 

 MAY 1, 2010 AND ARE NOT USED BY THE NFIP PROCESSING 

 OF TRRP DATA. THESE CANCELLED EDIT ERRORS HAVE BEEN 

 REMOVED FROM THIS DOCUMENT. 

 

 DATA ELEMENT ORDER CANCELLED ON ERROR CODE 

 ------------ ----- ------------ ---------- 

 BASIC LIMIT AMOUNT OF PREMIUM REFUND - CONTENTS 10 1986/01/01 PU063010 

 15 1996/10/01 PR063015 

 30 1984/10/01 PL063030 

 

 BUILDING CLAIM PAYMENT (ACV OR RCV AS APPLICABLE) 10 1986/01/01 CU077010 

 

 BUILDING CLAIM PAYMENT RECOVERY 10 1986/01/01 CU121010 

 30 1992/04/01 CL121030 

 

 BUILDING IN COURSE OF CONSTRUCTION INDICATOR 30 1994/10/31 PL028030 

 

 CAUSE OF LOSS 10 2000/05/01 CU070010 

 

 CLAIMS CLOSED WITHOUT PAYMENT REASON 10 1986/10/01 CU107010 

 20 1986/10/01 CI107020 

 

 COMMUNITY IDENTIFICATION NUMBER 90 2000/05/01 PI017090 

 

 CONTENTS CLAIM PAYMENT (ACV) 10 1986/01/01 CU078010 

 

 CONTENTS CLAIM PAYMENT RECOVERY 10 1986/01/01 CU122010 

 30 1992/04/01 CL122030 

 

 DATE OF LOSS 40 1987/10/01 CR066040 

 80 1986/10/01 CL066080 

 90 1986/10/01 CL066090 

 

 DEDUCTIBLE - BUILDING 30 1995/07/01 PL029030 

 

 DEDUCTIBLE - CONTENTS 50 1994/10/01 PL030050 

 

 ELEVATED BUILDING INDICATOR 30 2002/05/01 PL031030 

 

 ELEVATION CERTIFICATE INDICATOR 10 1995/07/01 PU126010 

 

 ENDORSEMENT EFFECTIVE DATE 35 2008/05/01 PR009035 

 60 1996/04/30 PR009060 

 

 ENDORSEMENT PREMIUM AMOUNT 10 1986/01/01 PU120010 

 

 EXPENSE OF CONTENTS/OR MOBILE HOME REMOVAL 10 1986/01/01 CU075010 

 30 1986/01/01 CL075030 

 

 FEDERAL POLICY FEE 10 1997/05/01 PU140010 

 

 INSURED PHONE NUMBER 10 1986/01/01 PI045010 

 

 LOWEST FLOOR ELEVATION 50 2006/05/01 PU048050 

 60 2006/05/01 PL048060 

 70 2006/05/01 PL048070 

 80 2006/05/01 PL048080 

 

 MAP PANEL SUFFIX 35 1992/12/01 PL019035 

 40 1992/10/01 PL019040 

 50 1992/10/01 PL019050 

 60 1992/10/01 PL019060 

 70 1992/10/01 PL019070 

 80 1986/08/01 PL019080 

 90 1992/10/01 PL019090 



 

 EDITS REMOVED FROM THE EDITS SPECIFICATIONS DOCUMENT 

 

 

 THE FOLLOWING EDITS HAVE BEEN CANCELLED PRIOR TO 

 MAY 1, 2010 AND ARE NOT USED BY THE NFIP PROCESSING 

 OF TRRP DATA. THESE CANCELLED EDIT ERRORS HAVE BEEN 

 REMOVED FROM THIS DOCUMENT. 

 

 DATA ELEMENT ORDER CANCELLED ON ERROR CODE 

 ------------ ----- ------------ ---------- 

 NEW OR ROLLOVER INDICATOR 10 1995/07/01 PI043010 

 20 1995/07/01 PI043020 

 

 OLD DATE OF LOSS 40 1995/07/01 CR116040 

 

 OLD PAYMENT DATE 40 1995/07/01 CR118040 

 

 OLD POLICY NUMBER 50 1995/07/01 PR006050 

 

 PAYMENT RECOVERY DATE 10 1992/11/01 CU108010 

 20 1992/11/01 CI108020 

 30 1992/11/01 CL108030 

 

 POLICY FORM INDICATOR 10 1989/10/01 PU125010 

 20 1989/10/01 PI125020 

 30 1989/10/01 PL125030 

 40 1989/10/01 PL125040 

 

 POLICY TERMINATION DATE 30 1989/10/01 PL059030 

 

 REPLACEMENT COST VERIFICATION 10 1997/05/01 CU097010 

 20 1997/05/01 CL097020 

 

 RESUBMITTED REJECTED TRANSACTION INDICATOR 10 1989/10/01 PU133010 

 20 1989/10/01 PI133020 

 

 RISK RATING METHOD 10 1997/05/01 PU041010 

 

 SMALL BUSINESS INDICATOR 10 1996/10/01 PI025010 

 20 1996/10/01 PI025020 

 30 1996/10/01 PL025030 

 40 1996/10/01 PL025040 

 

 SPECIAL EXPENSE AMOUNT 10 1986/01/01 CU115010 

 

 SPECIAL EXPENSE DATE 30 1992/11/01 CL113030 

 

 STREET ADDRESS 40 2000/05/01 PL011040 

 

 SUBROGATION 10 1986/01/01 CU110010 

 

 SUBROGATION RECOVERY DATE 10 1992/11/01 CU112010 

 20 1992/11/01 CI112020 

 30 1992/11/01 CL112030 

 

 TAXPAYOR IDENTIFICATION NUMBER 10 2008/05/01 PI015010 

 30 2008/05/01 PR015030 

 

 TOTAL AMOUNT OF INSURANCE - BUILDING 60 1989/01/01 PL038060 

 

 TOTAL AMOUNT OF INSURANCE - CONTENTS 30 1985/02/10 PL039030 

 

 TOTAL CALCULATED PREMIUM 10 1986/01/01 PU040010 

 

 TOTAL PREMIUM REFUND 10 1986/01/01 PU061010 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 THIS PAGE IS INTENTIONALLY LEFT BLANK. 



EDITS DICTIONARY SECTION 



BLANK PAGE 



 EDIT DICTIONARY 

 

 

 

 DATA ELEMENT: FACTORS RELATED TO CAUSE OF LOSS 

 

 

 

 EDIT CRITERIA 

 ------------- 

 

 ORDER: 20 

 

 EFFECTIVE: 10/01/1984 REVISED: CANCELLED: 

 

 EDIT LEVEL: EDIT PART I PROGRAM EDIT TYPE: INFORMATIONAL 

 

 ERROR CODE: CI087020 ERROR TYPE: NON-CRITICAL 

 

 ERROR MESSAGE: FACTORS RELATED TO CAUSE OF LOSS IS NOT A VALID CODE. 

 

 

 

 

 

 FAIL EDIT 

 UPDATE ACTION: UPDATE 

 

 DESCRIPTION: 

 

 MUST BE A VALID CODE AS DESCRIBED IN THE WYO TRRP PLAN 



 EDIT DICTIONARY 

 

 

 

 DATA ELEMENT: FEDERAL POLICY FEE 

 

 

 

 BASIC INFORMATION 

 ----------------- 

 

 FILE: POLICY STATUS: REQUIRED ALIAS: POLICY SERVICE FEE 

 

 FIELD NAME: POLICY_FEE 

 

 UPDATE: INCREMENTAL 

 

 FORMAT: THREE (3) DIGIT NUMBER 

 

 

 EDIT CRITERIA 

 ------------- 

 

 ORDER: 30 

 

| EFFECTIVE: 06/01/1991 REVISED: 05/01/2010 CANCELLED: 

 

 EDIT LEVEL: EDIT PROCESSOR PROGRAM EDIT TYPE: RELATIONAL 

 

 ERROR CODE: PL140030 ERROR TYPE: CRITICAL 

 

 ERROR MESSAGE: FEDERAL POLICY FEE IS NOT VALID. 

 

 

 

 

 FAIL EDIT 

 UPDATE ACTION: UPDATE 

 

 DESCRIPTION: 

 

 FOR NEW BUSINESS AND RENEWALS: 

 

 IF POLICY EFFECTIVE DATE IS BEFORE JUNE 1, 1991 THEN 

 FEDERAL POLICY FEE MUST BE ZERO. 

 

 IF POLICY EFFECTIVE DATE IS ON OR AFTER JUNE 1, 1991 AND 

 BEFORE OCTOBER 1, 1994 AND RISK RATING METHOD IS NOT EQUAL 

 TO '7' THEN FEDERAL POLICY FEE MUST BE $25. 

 

 IF POLICY EFFECTIVE DATE IS ON OR AFTER OCTOBER 1, 1994: 

 

 A. IF RISK RATING METHOD IS '7', MUST BE ZERO. 

 

 B. IF CONDOMINIUM INDICATOR IS NOT 'H' AND 'L', 

 MUST BE $25. 

 

 C. IF CONDOMINIUM INDICATOR IS 'H' OR 'L' THEN: 

 

 1. CONDOMINIUM MASTER UNITS IS 1, MUST BE $25. 

 2. CONDOMINIUM MASTER UNITS IS 2-4, MUST BE $50. 

 3. CONDOMINIUM MASTER UNITS IS 5-10, MUST BE $125. 

 4. CONDOMINIUM MASTER UNITS IS 11-20, MUST BE $275. 

 5. CONDOMINIUM MASTER UNITS IS 21 OR MORE, MUST 

 BE $525. 

 

 IF POLICY EFFECTIVE DATE IS ON OR AFTER MARCH 1, 1995: 

 

 A. IF RISK RATING METHOD IS '7' OR 'G', MUST BE ZERO. 

 

 B. IF CONDOMINIUM INDICATOR IS NOT 'H' AND 'L', 



 EDIT DICTIONARY 

 

 

 

 DATA ELEMENT: FEDERAL POLICY FEE 

 

 

 MUST BE $30. 

 

 C. IF CONDOMINIUM INDICATOR IS 'H' OR 'L' THEN: 

 

 1. CONDOMINIUM MASTER UNITS IS 1, MUST BE $30. 

 2. CONDOMINIUM MASTER UNITS IS 2-4, MUST BE $60. 

 3. CONDOMINIUM MASTER UNITS IS 5-10, MUST BE $150. 

 4. CONDOMINIUM MASTER UNITS IS 11-20, MUST BE $330. 

 5. CONDOMINIUM MASTER UNITS IS 21 OR MORE, 

 MUST BE $630. 

 

 

 IF POLICY EFFECTIVE DATE IS ON OR AFTER MAY 1 2008: 

 

 A. IF RISK RATING METHOD IS 'G', MUST BE ZERO. 

 

 B. IF CONDOMINIUM INDICATOR IS NOT 'H' AND 'L', 

 MUST BE $35. 

 

 C. IF CONDOMINIUM INDICATOR IS 'H' OR 'L', THEN: 

 

 1. CONDOMINIUM MASTER UNITS IS 1, MUST BE $35. 

 2. CONDOMINIUM MASTER UNITS IS 2-4, MUST BE $70. 

 3. CONDOMINIUM MASTER UNITS IS 5-10, MUST BE $175. 

 4. CONDOMINIUM MASTER UNITS IS 11-20, MUST BE $385. 

 5. CONDOMINIUM MASTER UNITS IS 21 OR MORE, 

 MUST BE $735. 

 

 

| IF POLICY EFFECTIVE DATE IS ON OR AFTER MAY 1 2010: 

| 

| A. IF RISK RATING METHOD IS 'G', MUST BE ZERO. 

| 

| B. IF CONDOMINIUM INDICATOR IS NOT 'H' AND 'L', 

| MUST BE $40. 

| 

| C. IF CONDOMINIUM INDICATOR IS 'H' OR 'L', THEN: 

| 

| 1. CONDOMINIUM MASTER UNITS IS 1, MUST BE $40. 

| 2. CONDOMINIUM MASTER UNITS IS 2-4, MUST BE $80. 

| 3. CONDOMINIUM MASTER UNITS IS 5-10, MUST BE $200. 

| 4. CONDOMINIUM MASTER UNITS IS 11-20, MUST BE $440. 

| 5. CONDOMINIUM MASTER UNITS IS 21 OR MORE, 

| MUST BE $840. 

 

 

 IF RISK RATING METHOD IS '7' (PREFERRED RISK), THEN: 

 

 1. IF POLICY EFFECTIVE DATE IS ON OR AFTER APRIL 30, 1996 

 AND PRIOR TO MAY 1, 2003, FEDERAL POLICY FEE MUST BE 

 $5. 

 

 2. IF POLICY EFFECTIVE DATE IS ON OR AFTER MAY 1, 2003 

 AND PRIOR TO MAY 1, 2004, FEDERAL POLICY FEE MUST BE 

 $10. 

 

 3. IF POLICY EFFECTIVE DATE IS ON OR AFTER MAY 1, 2004 

 AND PRIOR TO MAY 1, 2008, FEDERAL POLICY FEE MUST BE 

 $11. 


| 4. IF POLICY EFFECTIVE DATE IS ON OR AFTER MAY 1, 2008 

| AND PRIOR TO MAY 1, 2010, FEDERAL POLICY FEE MUST BE 

| $13. 

 

| 5. IF POLICY EFFECTIVE DATE IS ON OR AFTER MAY 1, 2010, 

| FEDERAL POLICY FEE MUST BE $20. 

 

 

 

 FOR MID-TERM ENDORSEMENTS, THE FEDERAL POLICY FEE MUST BE 

 ZERO. 



 EDIT DICTIONARY 

 

 

 

 DATA ELEMENT: FEDERAL POLICY FEE - REFUNDED 

 

 

 

 

 BASIC INFORMATION 

 ----------------- 

 

 FILE: POLICY STATUS: REQUIRED ALIAS: POLICY SERVICE FEE - REFUNDED 

 

 FIELD NAME: FEE_REFUNDED 

 

 UPDATE: INCREMENTAL 

 

 FORMAT: FOUR (4) DIGITS WITH AN IMPLIED DECIMAL OF TWO POSITIONS 

 

 

 EDIT CRITERIA 

 ------------- 

 

 ORDER: 10 

 

 EFFECTIVE: 06/01/1991 REVISED: CANCELLED: 

 

 EDIT LEVEL: REFORMAT/PRE-PROCESSER PROGRAM EDIT TYPE: INFORMATIONAL 

 

 ERROR CODE: PU141010 ERROR TYPE: CRITICAL 

 

 ERROR MESSAGE: FEDERAL POLICY FEE - REFUNDED MUST BE NUMERIC. 

 

 

 

 

 

 FAIL EDIT 

 UPDATE ACTION: UPDATE 

 

 DESCRIPTION: 

 

 FEDERAL POLICY FEE - REFUNDED MUST BE NUMERIC.