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					National Flood Insurance Program

Flood Insurance Manual

May 2005

TABLE OF CONTENTS


REFERENCE                REF 1

     I.    INTRODUCTION TO THE NATIONAL FLOOD INSURANCE PROGRAM
     REF 1

     II.    THE WRITE YOUR OWN PROGRAM           REF 1

     III.   TECHNICAL ASSISTANCE         REF 2
            A.    WYO Companies          REF 2
            B.    NFIP Servicing Agent (NFIP Direct)       REF 2
            C.    Special Direct Facility            REF 2

            PAPERWORK BURDEN DISCLOSURE NOTICE           REF 7

GENERAL RULES                    GR 1

     I.     COMMUNITY ELIGIBILITY        GR 1
            A.    Participating (Eligible) Communities             GR 1
            B.    Emergency Program      GR 1
            C.    Regular Program        GR 1
            D.    Maps       GR 1
            E.    Probation         GR 1
            F.    Suspension        GR 1
            G.    Non-Participating (Ineligible) Communities              GR 1
            H.    Coastal Barrier Resources Act           GR 1
            I.    Federal Land           GR 1

     II.    POLICIES AND PRODUCTS AVAILABLE         GR 1
            A.    Standard Flood Insurance Policy         GR 1
            B.    Preferred Risk Policy        GR 2
            C.    Residential Condominium Building Association Policy
(RCBAP)           GR 2
            D.    Mortgage Portfolio Protection Program (MPPP)        GR 2
            E.    Scheduled Building Policy         GR 2
            F.    Group Flood Insurance        GR 2

     III.   BUILDING PROPERTY ELIGIBILITY           GR 2
            A.    Eligible Buildings           GR 2
            B.    Single Building        GR 4
            C.    Walls      GR 4
            D.    Determination of Building Occupancy              GR 4

     IV.    CONTENTS ELIGIBILITY         GR 5
            A.    Eligible Contents      GR 5
            B.    Vehicles and Equipment         GR 5
              C.   Silos, Grain Storage Buildings, and Cisterns                    GR 5
              D.   Commercial Contents Coverage      GR 5

     V.       EXAMPLES OF ELIGIBLE RISKS             GR 5
              A.    Building Coverage        GR 5
              B.    Contents Coverage        GR 6
              C.    Condominiums             GR 6



     VI.      INELIGIBLE PROPERTY          GR 6
              A.    Buildings        GR 6
              B.    Container-Type Buildings          GR 6
              C.    Buildings Entirely Over Water                  GR 6
              D.    Buildings Partially Underground                GR 6
              E.    Basement/Elevated Building Enclosures                  GR 6

     VII.     EXAMPLES OF INELIGIBLE RISKS       GR 6
              A.    Building Coverage      GR 6
              B.    Contents Coverage      GR 7
              C.    Non-Residential Condominium Unit               GR 7

     VIII. POLICY EFFECTIVE DATE        GR 7
           A.    Evidence of Insurance               GR 7
           B.    Start of Waiting Period                    GR 7
           C.    Effective Date         GR 7

     IX.      COVERAGE          GR 9
              A.    Limits of Coverage           GR 9
              B.    Deductibles      GR 9
              C.    Coverage D - Increased Cost of Compliance (ICC) Coverage
              GR 9
              D.    Reduction of Coverage Limits or Reformation        GR
10

     X.       SPECIAL RATING SITUATIONS            GR 10
              A.    Tentative Rates          GR 10
              B.    Submit-For-Rate          GR 10
              C.    Provisional Rates        GR 10
              D.    Buildings in More Than   One Flood Zone                GR 10

     XI.   MISCELLANEOUS RULES          GR 11
A.   Policy Term      GR 11
B.   Application Submission       GR 11
C.   Delivery of the Policy       GR 11
D.   Assignment       GR 11
E.   Producers' Commissions (Direct Business Only)                 GR 11

APPLICATION              APP1

     I.       USE OF THE FORM        APP 1

     II.      TYPES OF BUILDINGS             APP 1
     III.   SCHEDULED BUILDING POLICY              APP 1

     IV.   COMPLETING PART 1 OF THE FLOOD INSURANCE APPLICATION FORM
     APP 1
           A.    Policy Status           APP 1
           B.    Policy Term (Billing/Policy Period)          APP 1
           C.    Agent Information       APP 2
           D.    Insured Mail Address          APP 2
           E.    Disaster Assistance           APP 2
           F.    First Mortgagee         APP 2
           G.    Second Mortgagee or Other           APP 2
           H.    Property Location             APP 2
           I.    Community         APP 2


            J.   Building          APP 3
            K.   Contents          APP 4
            L.   Construction Data       APP 4
            M.   Coverage and Rating           APP 6
            N.   Signature         APP 6

     V.    COMPLETING PART 2 OF THE FLOOD INSURANCE APPLICATION FORM
     APP 6
           Section I - All Building Types          APP 7
           Section II - Elevated Buildings         APP 7
           Section III - Manufactured (Mobile) Homes/Travel Trailers
     APP 7

     VI.    MAILING INSTRUCTIONS           APP 8

     VII.   HANDLING OF INCOMPLETE OR INCORRECT APPLICATIONS              APP
8

RATING                    RATE 1

     I.     AMOUNT OF INSURANCE AVAILABLE                  RATE 1

     II.    RATE TABLES        RATE 1

     III.   DEDUCTIBLES      RATE 12
            A.    Buy-Back Deductibles         RATE 12
            B.    Changes in Deductible Amount       RATE 12

     IV.    INCREASED COST OF COMPLIANCE (ICC) COVERAGE              RATE 14

     V.     RATING STEPS              RATE 15

     VI.    PREMIUM CALCULATION            RATE 16
            A.    Emergency Program        RATE 16
            B.    Regular Program          RATE 16

     VII.   KEY POINTS FOR RATING        RATE 17
            A.    Basic Limits and Additional Limits            RATE 17
            B.    Whole Dollars          RATE 17
            C.   Increased Cost of Compliance (ICC) Premium            RATE
17
           D.    Federal Policy Fee           RATE 17
           E.    Buildings in More Than One Flood Zone         RATE 17
           F.    Mortgagee on Policy--Higher Deductible Requested
     RATE 17

     VIII. REGULAR PROGRAM, POST-FIRM ELEVATION-RATED RISKS            RATE
17
            A.   Elevation Difference         RATE 17
            B.   Examples         RATE 18
            C.   Optional Elevation Rating          RATE 19

     IX.    PRE-FIRM ELEVATED BUILDING RATED AT PRE-FIRM RATES         RATE
19

     X.     AR ZONE AND AR DUAL ZONE RATING         RATE 19

     XI.    POST-FIRM AO ZONE RATING          RATE 19


     XII. POST-FIRM RATING OF ELEVATED BUILDINGS IN ZONES B, C, X, A99,
       AND D         RATE 19

     XIII. REGULAR PROGRAM V ZONE POST-FIRM CONSTRUCTION        RATE 19
           A.    Rating All V Zone Buildings        RATE 19
B.   Zones VE and V1-V30--Enclosure Containing Machinery or
       Equipment Below BFE        RATE 19
           C.    1975-81 Post-FIRM V Zone Construction          RATE 20
           D.    1981 Post-FIRM V Zone Construction       RATE 20
           E.    Elevated Buildings--1981 Post-FIRM V Zone Construction
           RATE 20

     XIV.  SPECIAL RATING SITUATIONS           RATE 21
           A.    Tentative Rates         RATE 21
           B.    Alternative Rates       RATE 21
           C.    Map "Grandfather" Rules--Effect of Map Revisions on
Flood Insurance Rates        RATE 21
           D.    Post-'81 V Zone Optional Rating           RATE 23
           E.    Policies Requiring Re-Rating        RATE 23
           F.    Submit-for-Rate         RATE 23
           G.    Crawl Space       RATE 24

     XV.    CONTENTS LOCATION      RATE 25
            A.    Single Family Dwellings           RATE 25
            B.    Multi-Family and Non-Residential Buildings           RATE
25

     XVI.  FIRMS WITH WAVE HEIGHTS            RATE 29
           A.    Procedure for Calculating Wave Height Adjustment
     RATE 29
B.   Wave Heights in Numbered Zones V1-V30 and VE 1981 Post-FIRM
                   Construction         RATE 29
           C.    Unnumbered V Zones 1981 Post-FIRM Construction
     RATE 30
           D.    Rate Selection Procedure             RATE 30

     XVII. FLOODPROOFED BUILDINGS       RATE 30
           A.    Elevation Difference         RATE 30
           B.    Rating           RATE 30

     XVIII.THE V-ZONE RISK FACTOR RATING FORM              RATE 31
           A.   Use               RATE 31
           B.   Submission        RATE 31

     XIX.   RATING EXAMPLES         RATE 47

CONDOMINIUMS                   CONDO 1

     I.     METHODS OF INSURING CONDOMINIUMS        CONDO 1
            A.    Residential Condominium: Association Coverage on
Building and Contents        CONDO 1
            B.    Residential Condominium: Unit Owner's Coverage on
Building and Contents.       CONDO 1
            C.    Other Residential Condominium: Condominium Association
Policy,
                    Association Coverage on Building and Contents
      CONDO 1
            D.    Nonresidential (Commercial) Condominium: Building and
Contents          CONDO 2
E.    Nonresidential (Commercial) Condominium: Unit Owner's Coverage
        (Contents)           CONDO 2

     II.    POLICY FORM        CONDO 6

     III.   ELIGIBILITY REQUIREMENTS             CONDO 6



     IV.    COVERAGE         CONDO 6
            A.    Property Covered       CONDO 6
            B.    Coverage Limits        CONDO 6
            C.    Replacement Cost and Coinsurance         CONDO 7
            D.    Assessment Coverage          CONDO 7

     V.     DEDUCTIBLES AND FEES         CONDO 7
            A.    Deductibles      CONDO 7
            B.    Federal Policy Fee           CONDO 7

     VI.    TENTATIVE RATES AND SCHEDULED BUILDINGS        CONDO 7

     VII.   COMMISSIONS (DIRECT BUSINESS ONLY)        CONDO 7

     VIII. CANCELLATION OR ENDORSEMENT OF EXISTING UNIT
             OWNERS' DWELLING POLICIES       CONDO 8

     IX.    APPLICATION FORM        CONDO 8
            A.   Type of Building       CONDO 8
            B.   Replacement Cost Value                      CONDO 8
            C.   Coverage         CONDO 8
            D.   Rates and Fees         CONDO 9

     X.     CONDOMINIUM RATING EXAMPLES              CONDO 23

LOWEST FLOOR GUIDE           LFG 1

     I.     USING THE LOWEST FLOOR GUIDE             LFG 1

     II.    LOWEST FLOOR DETERMINATION               LFG 1

     III.   SPECIFIC BUILDING DRAWINGS               LFG 8

SPECIAL CERTIFICATIONS       CERT 1

     I.     NFIP ELEVATION CERTIFICATE               CERT 1

      II.   USING THE ELEVATION CERTIFICATE: SPECIAL CONSIDERATIONS
      CERT 1
            Section A - Property Owner Information        CERT 1
            Section B - Flood Insurance Rate Map (FIRM) Information
      CERT 2
            Section C - Building Elevation Information (Survey Required)
            CERT 2
            Section D - Surveyor, Engineer, or Architect Certification
            CERT 2
            Section E - Building Elevation Information (Survey Not
Required) for Zone AO and
              Zone A (Without BFE)       CERT 2
            Section F - Property Owner (or Owner's Representative)
Certification          CERT 3
            Section G - Community Information (Optional)        CERT 3

     III.   FLOODPROOFING CERTIFICATE          CERT 3
            A.    Purpose and Eligibility            CERT 3
            B.    Specifications         CERT 3
            C.    Rating           CERT 3
            D.    Certification          CERT 3


PREFERRED RISK POLICY        PRP 1

     I.     GENERAL DESCRIPTION              PRP 1

     II.    ELIGIBILITY REQUIREMENTS           PRP 1
            A.     Flood Zone      PRP 1
            B.     Occupancy       PRP 1
            C.     Loss History          PRP 1
            D.     Exclusions      PRP 1

     III.   DOCUMENTATION            PRP 2
     IV.    RENEWAL           PRP 2

     V.     COVERAGE LIMITS           PRP 2

     VI.    REPLACEMENT COST COVERAGE          PRP 2

     VII.   DISCOUNTS/FEES/ICC PREMIUM         PRP 2

     VIII. DEDUCTIBLES        PRP 2

     IX.    ENDORSEMENTS              PRP 2

X.   CONVERSION OF STANDARD RATED POLICY TO PRP DUE TO
     MISRATING OR MAP REVISION         PRP 2

     XI.    COMPLETING THE FLOOD INSURANCE PREFERRED
            RISK POLICY APPLICATION             PRP 4
            A.    Policy Status           PRP 4
            B.    Policy Term       PRP 4
            C.    Agent Information       PRP 4
            D.    Insured's Mailing Address           PRP 4
            E.    Disaster Assistance           PRP 4
            F.    First Mortgagee         PRP 4
            G.    Second Mortgagee or Other           PRP 4
            H.    Property Location       PRP 4
            I.    Community         PRP 5
            J.    Building and Contents         PRP 5
            K.    Notice            PRP 5
            L.    Premium           PRP 5
            M.    Signature         PRP 5

MORTGAGE PORTFOLIO PROTECTION PROGRAM          MPPP 1

     I.     BACKGROUND        MPPP 1

     II.    REQUIREMENTS FOR PARTICIPATING IN THE MPPP          MPPP 2
            A.    General          MPPP 2
            B.    WYO Arrangement Article III--Fees       MPPP 2
            C.    Use of WYO Company Fees for Lenders/Servicers or Others
            MPPP 2
            D.    Notification           MPPP 2
            E.    Eligibility      MPPP 3
            F.    Source of Offering           MPPP 3
            G.    Dual Interest          MPPP 3
            H.    Term of Policy         MPPP 3


            I.   Coverage Offered        MPPP 3
            J.   Policy Form       MPPP 4
            K.   Waiting Period          MPPP 4
            L.   Premium Payment         MPPP 4
            M.   Underwriting--Application             MPPP 4
            N.   Rates       MPPP 4
            O.    Policy Declaration Page Notification Requirements
      MPPP 4
            P.    Policy Reformation--Policy Correction         MPPP 5
            Q.    Coverage Basis--Actual Cash Value or Replacement Cost
            MPPP 5
            R.    Deductible       MPPP 5
            S.    Federal Policy Fee           MPPP 5
            T.    Renewability           MPPP 5
            U.    Cancellations          MPPP 6
            V.    Endorsement      MPPP 6
            W.    Assignment to a Third Party        MPPP 6
            X.    Article XIII--Restriction on Other Flood Insurance
      MPPP 6

GENERAL CHANGE ENDORSEMENT          END 1

      I.   ENDORSEMENT RULES      END 1
           A.    Coverage Endorsements              END 1
           B.    Rating Endorsements                END 1
           C.    Misrated Policy        END 2
           D.    Conversion of Standard Rated       Policy to PRP Due to
Misrating or Map Revision         END 2
           E.    Changing Deductibles               END 2
           F.    Correcting Property Address                END 2

II.   ENDORSEMENT PROCESSING PRIOR TO POLICY RENEWAL (NFIP DIRECT
      BUSINESS ONLY)         END 3
            A.   During Last 90 Days of Policy Term      END 3
            B.   During Last 75 Days of Policy Term      END 3
            C.   Refunds Generated from Endorsement Processing              END
3

      III.   PREPARATION OF FORM          END 3
             A.    General Instructions         END 3
             B.    Refund Processing Procedures       END 3

      IV.    ENDORSEMENT RATING EXAMPLES            END 5

POLICY RENEWALS         REN 1

      I.     GENERAL INFORMATION            REN 1

      II.    RENEWAL NOTICE         REN 1
             A.    Renewing for the Same Coverage--Option A                 REN
1
             B.   Inflation Factor--Option B                REN 1
             C.   No Renewal Notice Generated               REN 1

      III.   PREMIUM PAYMENT DUE            REN 1

      IV.    FINAL NOTICE           REN 2

      V.     RENEWAL EFFECTIVE DATE DETERMINATION                   REN 2
     VI.    INSUFFICIENT RENEWAL INFORMATION                  REN 2

     VII.   ENDORSEMENTS DURING RENEWAL CYCLE                 REN 2

     VIII. REPETITIVE LOSS TARGET GROUP PROPERTIES                    REN 2


CANCELLATION/NULLIFICATION                CN 1

     I.     PROCEDURES AND VALID REASONS       CN 1
            A.    Refund Processing Procedures      CN 1
            B.    Reason Codes for Cancellation/Nullification of NFIP
Policies          CN 1

     II.    COMPLETING THE CANCELLATION/NULLIFICATION REQUEST FORM
     CN 6
            A.   Current Policy Number                 CN 6
            B.   Policy Term       CN 6
            C.   Agent Information      CN 7
            D.   Insured Mail Address                  CN 7
            E.   First Mortgagee        CN 7
            F.   Other Parties Notified                CN 7
            G.   Property Location      CN 7
            H.   Cancellation Reason Code                     CN 7
            I.   Refund            CN 7
            J.   Signature         CN 7

CLAIMS                    CL 1

     I.     INSURED'S RESPONSIBILITIES                 CL 1

     II.    PRODUCER'S RESPONSIBILITIES                CL 1

     III.   SINGLE ADJUSTER PROGRAM IMPLEMENTATION                    CL 1
            A.    Schedule and Notification                   CL 1
            B.    Training         CL 2
            C.    Producer Responsibilities                   CL 2

     IV.    INCREASED COST OF COMPLIANCE (ICC) CLAIMS                         CL 2

POLICY                    POL 1

     DWELLING FORM:

     SUMMARY OF SIGNIFICANT CHANGES, DECEMBER 2000                            POL 2

     I.     AGREEMENT             POL 3

     II.    DEFINITIONS           POL 3

     III.   PROPERTY COVERED              POL 5

     IV.    PROPERTY NOT COVERED                  POL 10
     V.     EXCLUSIONS         POL 11

     VI.    DEDUCTIBLES        POL 12

     VII.   GENERAL CONDITIONS           POL 12

     VIII. LIBERALIZATION CLAUSE         POL 20

     IX.    WHAT LAW GOVERNS        POL 20

     CLAIM GUIDELINES IN CASE OF A FLOOD             POL 21



GENERAL PROPERTY FORM:

     SUMMARY OF SIGNIFICANT CHANGES, DECEMBER 2000        POL 22

     I.     AGREEMENT          POL 23

     II.    DEFINITIONS        POL 23

     III.   PROPERTY COVERED        POL 25

     IV.    PROPERTY NOT COVERED         POL 30

     V.     EXCLUSIONS         POL 31

     VI.    DEDUCTIBLES        POL 32

     VII.   GENERAL CONDITIONS           POL 32

     VIII. LIBERALIZATION CLAUSE         POL 39

     IX.    WHAT LAW GOVERNS        POL 39

     CLAIM GUIDELINES IN CASE OF A FLOOD             POL 40

     RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY:

     SUMMARY OF SIGNIFICANT CHANGES, DECEMBER 2000        POL 42

     I.     AGREEMENT          POL 43

     II.    DEFINITIONS        POL 43

     III.   PROPERTY COVERED        POL 45

     IV.    PROPERTY NOT COVERED         POL 50

     V.     EXCLUSIONS         POL 50

     VI.    DEDUCTIBLES        POL 51
     VII.    COINSURANCE        POL 52

     VIII. GENERAL CONDITIONS               POL 53

     IX.     LIBERALIZATION CLAUSE          POL 60

     X.      WHAT LAW GOVERNS          POL 60

     CLAIM GUIDELINES IN CASE OF A FLOOD                  POL 61




FLOOD MAPS        MAP 1

     I.      OVERVIEW         MAP 1
             A.    Types of Flood Maps          MAP 1
             B.    Map Information        MAP 1
             C.    Communities Without a Map          MAP 1

     II.     MAP ZONES        MAP 2
             A.    Special Flood Hazard Areas (SFHAs)            MAP 2
             B.    Moderate, Minimal Hazard Areas                MAP 2

     III.    LOCATING A SPECIFIC PROPERTY ON A MAP               MAP 2

     IV.     CHANGING OR CORRECTING A FLOOD MAP       MAP 3
             A.    Letter of Map Amendment (LOMA)           MAP 3
             B.    Letter of Map Revision (LOMR)            MAP 3
             C.    Physical Map Revision        MAP 3

     V.      ORDERING FLOOD MAPS          MAP 4
             A.    Ordering Instructions        MAP 4
             B.    Prices           MAP 4
             C.    Map Revisions          MAP 4

PROVISIONAL RATING              PR 1

     I.      GENERAL DESCRIPTION            PR 1

     II.     ELIGIBILITY REQUIREMENTS              PR 1

     III.    REFORMATION       PR 1
             A.    Limitations      PR 1
             B.    Endorsement Procedure           PR 1
             C.    Endorsement Alternative                PR 1

     IV.     NOTIFICATION REQUIREMENTS             PR 1

     V.      COMPLETING THE PROVISIONAL RATING QUESTIONNAIRE          PR 2
             A.    General Directions           PR 2
             B.    Guidance for Determining Building Elevated on Fill
     PR 2
        VI.    PROVISIONAL RATING EXAMPLE               PR 4

COASTAL BARRIER RESOURCES SYSTEM                CBRS 1

        LIST OF COMMUNITIES             CBRS 3

COMMUNITY RATING SYSTEM                 CRS 1

        I.     GENERAL DESCRIPTION              CRS 1

        II.    ELIGIBILITY      CRS 1

        III.   CLASSIFICATIONS AND DISCOUNTS                   CRS 1


        IV.   CRS ACTIVITIES THAT CAN DIRECTLY BENEFIT INSURANCE AGENTS
        CRS 1

        ELIGIBLE COMMUNITIES            CRS 2

SPECIAL PROCEDURES FOR TARGETED REPETITIVE LOSS PROPERTIES                RL 1

        I.     GENERAL DESCRIPTION              RL 1

        II.    NOTIFICATION REQUIREMENTS                RL 1

        III.   DISPUTE RESOLUTION               RL 1

        IV.    MITIGATION       RL 1

DEFINITIONS         DEF 1

INDEX               IND 1




REFERENCE

NFIP Servicing Agent Contact Information for NFIP Direct Program Agents
           REF 3
NFIP General Contact Information for All NFIP Stakeholders             REF
4
NFIP Bureau and Statistical Agent Regional Offices       REF 5

RATING

Amount of Insurance Available            RATE 1
Table 1.    Emergency Program Rates            RATE 1
Table 2.    Regular Program--Pre-FIRM Construction Rates        RATE 2
Table 3.    Regular Program--Post-FIRM Construction Rates       RATE 3
Table 4.    Regular Program--FIRM Zone AR and AR Dual Zones Rates
      RATE 9
Table 5.    Regular Program--Pre-FIRM and Post-FIRM Elevation-Rated Rates
            RATE 10
Table 6.    Precalculated Pre-FIRM Premium Table          RATE 11
Table 7.    Federal Policy Fee and Probation Surcharge Table          RATE
12
Table 8A. Standard Deductibles           RATE 12
Table 8B. Deductible Factors             RATE 13
Table 9.    Standard Flood Insurance Policy Increased Cost of Compliance
(ICC)
                     Coverage Premiums         RATE 14
Table 10. V-Zone Risk Rating RelativitiesTable            RATE 32

CONDOMINIUMS

     Table   1.   Condominium Underwriting Guidelines           CONDO 3
     Table   2.   Condominium Rating Chart          CONDO 4
     Table   3.   RCBAP High-Rise Condominium Rates       CONDO 10
     Table   4.   RCBAP Low-Rise Condominium Rates        CONDO 14
     Table   5.   RCBAP High-Rise and Low-Rise Condominium Rates--
                    1981 Post-FIRM V1-V30, VE Zone Rates        CONDO 19
     Table 6.     RCBAP High-Rise and Low-Rise Condominium Rates--
                    Increased Cost of Compliance (ICC) Coverage
     CONDO 21
     Table 7.     RCBAP Deductible Factors – All Zones            CONDO 22


SPECIAL CERTIFICATIONS

Approved Communities for Residential Basement Floodproofing Rating Credit
           CERT 4

PREFERRED RISK POLICY

     The PRP at a Glance          PRP 1
     PRP Coverages Available Effective May 1, 2004        PRP 3

MORTGAGE PORTFOLIO PROTECTION PROGRAM

     Mortgage Portfolio Protection Program Rate and
       Increased Cost of Compliance (ICC) Table           MPPP 1

POLICY RENEWALS
     Summary of Policy Notices           REN 3

CANCELLATION/NULLIFICATION

Processing Outcomes for Cancellation/Nullification of a Flood Insurance
Policy           CN 8



FLOOD MAPS

     MSC Products, Services, and Costs           MAP 5

COASTAL BARRIER RESOURCES SYSTEM

List of Communities          CBRS 3

COMMUNITY RATING SYSTEM

CRS Premium Discounts        CRS 1
Eligible Communities         CRS 2


APPLICATION

     Flood Insurance Application - Part 1        APP 9
     Flood Insurance Application - Part 2        APP 10

RATING

     V-Zone Risk Factor Rating Form and Instructions          RATE 33

LOWEST FLOOR GUIDE

     Lowest Floor Determination Guide    LFG 3

SPECIAL CERTIFICATIONS

     Residential Basement Floodproofing Certificate           CERT 5
     Floodproofing Certificate for Non-Residential Structures       CERT
7
     Elevation Certificate and Instructions              CERT 9

PREFERRED RISK POLICY

     Flood Insurance Preferred Risk Policy Application        PRP 6

GENERAL CHANGE ENDORSEMENT

     Flood Insurance General Change Endorsement          END 13

POLICY RENEWALS
     Renewal Notice                  REN 4
     Final Notice                    REN 6
     Credit Card Payment Form                REN 8

CANCELLATION/NULLIFICATION

     Flood Insurance Cancellation/Nullification Request Form        CN 9

POLICY

     Standard Flood Insurance Policy - Dwelling Form                POL 3
     Standard Flood Insurance Policy - General Property Form                POL
23
      Standard Flood Insurance Policy - Residential Condominium Building
Association
        Policy         POL 43

FLOOD MAPS

     Sample Flood Insurance Rate Map (FIRM)          MAP 6
     Sample Flood Hazard Boundary Map (FHBM)         MAP 7



PROVISIONAL RATING

     Provisional Rating Questionnaire        PR 3
     Sample Notice to Accompany Provisionally Rated Policies                PR 5

SPECIAL PROCEDURES FOR TARGETED REPETITIVE LOSS PROPERTIES

     Agent's 90-Day Notification Letter      RL 2
     Policyholder's 90-Day Notification Letter               RL 4




REFERENCE




I.    INTRODUCTION TO THE NATIONAL
FLOOD INSURANCE PROGRAM

The National Flood Insurance Program (NFIP)
was established by the National Flood Insurance
Act of 1968. The Act was in response to
Congress finding that:

?     Flooding disasters required unforeseen
disaster relief and placed an increased
burden on the nation's resources.
?     The installation of flood preventive and
protective measures and other public
programs designed to reduce losses caused
by flood damage had not been sufficient to
adequately protect against the growing
exposure to flood losses as a matter of
national policy. A reasonable method of
slowing the risk of flood losses would be
through a program of flood insurance that
could complement and encourage
preventive and protective measures.

?     Many factors made it uneconomical for the
private insurance industry carriers to make
flood insurance available to those in need of
such protection on reasonable terms and
conditions.

?     A program of flood insurance with large-
scale participation of the federal government
and the maximum extent practicable by the
private industry was feasible and could be
initiated.

Congress stated that the purpose in passing the
Act was to:

?     Authorize a flood insurance program that,
over time, could be made available on a
nationwide basis through the cooperative
effort of the federal government and the
private insurance industry.

?     Provide flexibility in the program so that
such flood insurance would be based on
workable methods of pooling risks,
minimizing costs, and distributing burdens
equitably among the general public and
those who would be protected by flood
insurance.

?     Encourage state and local governments to
use wisely the lands under their jurisdictions
by considering the hazard of flood when
rendering decisions on the future use of
such land, thus minimizing damage caused
by flooding.


From 1968 until 1979, the NFIP was
administered by the U.S. Department of Housing
and Urban Development. When the Federal
Emergency Management Agency (FEMA) was
established in 1979, administration of the NFIP
was transferred to that agency. In March 2003,
FEMA became part of the newly created U.S.
Department of Homeland Security.

The NFIP is a program in which communities
formally agree, as evidenced by their adoption of
codes and ordinances, to regulate the use of their
flood-prone lands. In return, FEMA makes flood
insurance coverage available on buildings and
their contents throughout the community. FEMA
has traditionally identified these flood hazard
areas on maps, which are provided to
communities for carrying out their responsibilities.
The maps are also used by insurance producers
to determine rates and by lenders to determine
purchase requirements.

II.   THE WRITE YOUR OWN PROGRAM

The Write Your Own (WYO) Program, begun in
1983, is a cooperative undertaking of FEMA and
the private insurance industry. The WYO
Program operates within the context of the NFIP
and is subject to its rules and regulations. WYO
allows participating property and casualty
insurance companies to write and service federal
flood insurance in their own names. The
companies receive an expense allowance for
policies written and claims processed while the
federal government retains responsibility for
under-writing losses. Individual WYO
Companies may, to the extent possible, and
consistent with Program rules and regulations,
conform their flood business to their normal
business practices for other lines of insurance.
Many producers have elected to move or place
their flood policies with one or more of the WYO
Companies they represent.

In brief, the producer has the following options:

?     Place all business with one or more WYO
Companies;

?     Place business with both the NFIP directly
and with one or more WYO Companies; or

?     Continue to place all flood insurance directly
with the NFIP (referred to as "NFIP direct
business").
The goals of the Program are to increase the
policy base, improve services, and involve the
insurance companies.

III.   TECHNICAL ASSISTANCE

In order to provide the most efficient service to
policyholders, follow these procedures when
requesting technical assistance in connection
with the sale and servicing of Standard Flood
Insurance Policies. It is essential that all
parties—WYO companies, the National Flood
Insurance Program's Bureau and Statistical
Agent, the NFIP Servicing Agent, insurance
agents and adjusters—comply.

A.     WYO Companies

Agents and adjusters servicing
flood insurance business
through one of the Write Your
Own (WYO) companies should
direct questions and requests
for technical assistance to
the WYO Company itself. If
the WYO Company needs
technical assistance, then it
will contact its Program
Coordinator at the NFIP's
Bureau and


Statistical Agent. If the
Program Coordinator, with the
assistance of technical
experts at the Bureau, cannot
provide the needed assistance,
the Bureau will direct the
inquiry to FEMA for an answer.

B.     NFIP Servicing Agent (NFIP Direct)

Agents and adjusters servicing
flood insurance business
through the NFIP Servicing
Agent should contact the NFIP
Servicing Agent for the answer
to technical questions or the
resolution of technical
problems connected with the
NFIP. If the NFIP Servicing
Agent cannot provide the
needed assistance, it will
contact FEMA for an answer.
C.   Special Direct Facility

Agents and adjusters serving
flood insurance policies
identified as targeted
repetitive loss properties
should contact the Special
Direct Facility established by
the NFIP Servicing Agent for
technical assistance. See the
Repetitive Loss section of
this manual for more
information.




NFIP SERVICING AGENT CONTACT INFORMATION
FOR NFIP DIRECT PROGRAM AGENTS


The contact information below is for use only by agents/producers who
write with the NFIP Direct Program—
that is, the NFIP Servicing Agent.

Agents/producers who write with the NFIP Write Your Own (WYO) Program
must submit materials and
questions to their WYO Companies.



CORRESPONDENCE TYPE



MAILING ADDRESS

TELEPHONE & FAX
NUMBERS*

Applications (not Submit-for
Rate)



NFIP Servicing Agent
P.O. Box 29138
Shawnee Mission, KS 66201-9138

Phone 1-800-638-6620
Fax 1-800-742-3148

Endorsements
Cancellations



NFIP Servicing Agent
P.O. Box 2992
Shawnee Mission, KS 66201-1392

Phone 1-800-638-6620
Fax 1-800-742-3148

Submit-for-Rate Applications
      (See pages RATE 23-24)
Underpayment Letters
Underwriting Inquiries and
Issues
All Other Inquiries


NFIP Servicing Agent
P.O. Box 2965
Shawnee Mission, KS 66201-1365

Phone 1-800-638-6620
Fax 1-800-742-3148

Targeted Repetitive Loss
Properties


NFIP Special Direct Facility
P.O. Box 29524
Shawnee Mission, KS 66201-5524


Phone 1-800-638-6620
Fax 1-800-742-3148

Renewal Notices (with
premium payments)
Expiration Notices (with
premium payments)


NFIP Servicing Agent
P.O. Box 105656
Atlanta, GA 30348-5656

Phone 1-800-638-6620
Fax 1-800-742-3148

Notices of Loss
Written Claims Inquiries
All Other Claims
Correspondence


NFIP Servicing Agent
P.O. Box 2966
Shawnee Mission, KS 66201-1366


Phone 1-800-767-4341
Fax 1-800-767-5574

Overnight Express Deliveries
Certified Mail

NFIP Servicing Agent
C/o Covansys
13401 W. 98th St.
Lenexa, KS 66215


N/A




*Telecommunication Device for the Deaf (TDD) 1-800-447-9487



NFIP GENERAL CONTACT INFORMATION
FOR ALL NFIP STAKEHOLDERS




           TOPIC


MAILING/WEBSITE
ADDRESSES


TELEPHONE & FAX
NUMBERS*

CBRS Areas - Map Panel Listing


www.fema.gov/nfip

N/A
Community Status Book


FEMA Map Service
Center
P.O. Box 1038
Jessup, MD 20794-1038
www.fema.gov/nfip


Phone 1-800-358-9616
Fax 1-800-358-9620

NFIP Marketing & Advertising


www.floodsmart.gov

N/A

Flood Insurance Manual &
Producer's Edition

FEMA Map Service
Center
P.O. Box 1038
Jessup, MD 20794-1038
www.fema.gov/nfip


Phone 1-800-358-9616
Fax 1-800-358-9620

Flood Zone Determination
Companies (list)


www.fema.gov/nfip

N/A

Agent Referral Program
Sign-up Form


www.floodsmart.gov/age
nt

Phone 1-888-786-7693


Maps and Q3 Data

FEMA Map Service
Center
P.O. Box 1038
Jessup, MD 20794-1038
http://store.msc.fema.go
v


Phone 1-800-358-9616
Fax 1-800-358-9620

Rating Software Information (list)


www.fema.gov/nfip

N/A

Supply Order Forms
      Claims & Underwriting
      Public Awareness Materials


FEMA Distribution
Center
P.O. Box 2012
Jessup, MD 20794-2012


Phone 1-800-480-2520
Fax 1-301-362-5335


Training on Flood Insurance

www.fema.gov/nfip

Your NFIP Regional
Office
(See list on following
pages.)


Write Your Own (WYO) Companies
(list)

www.fema.gov/nfip

Phone 1-800-480-2520
for Item 073, "The
Choice Is Yours"



*Telecommunication Device for the Deaf (TDD) 1-800-447-9487
     NATIONAL FLOOD INSURANCE PROGRAM
     BUREAU AND STATISTICAL AGENT

     REGIONAL OFFICES

The National Flood Insurance Program's Bureau and Statistical Agent
operates 10 regional offices within
the continental United States.

The primary function of the regional office is lender and producer
training through workshops and individual
visits. Other services provided by the regional office are similar to
those provided by an insurance company
field office.

The regional offices do not handle processing nor do they have policy
files at their locations;
however, the regional staff may be able to assist with problems and
answer questions of a general nature.




NFIP BUREAU AND
STATISTICAL AGENT
REGIONAL OFFICES

Region I
Suite 200
140 Wood Road
Braintree, MA 02184
(781) 848-1908
(781) 356-4142 (fax)

Region II
Building T, Suite 13
1930 East Marlton Pike
Cherry Hill, NJ 08003-4219
(856) 489-4003
(856) 751-2817 (fax)

Region III
Building T, Suite 13
1930 East Marlton Pike
Cherry Hill, NJ 08003-4219
(856) 489-4003
(856) 751-2817 (fax)

Region IV
Suite 200
1532 Dunwoody Village Parkway
Dunwoody, GA 30338
(770) 396-9117
(770) 396-7730 (fax)

Region IV – Tampa Office
Suite 300
8875 Hidden River Parkway
Tampa, FL 33637
(813) 975-7451
(813) 975-7471 (fax)


NFIP BUREAU AND
STATISTICAL AGENT
REGIONAL STAFF

Thomas Gann
Manager




Vacant




Richard Sobota, CPCU
Manager




Roger Widdifield
Manager




Lynne Magel
Program Specialist


TERRITORY



Connecticut, Maine,
Massachusetts, New Hampshire,
Rhode Island, Vermont




New Jersey, New York




Delaware, District of Columbia,
Maryland, Pennsylvania, Virginia,
West Virginia




Alabama, Georgia, Kentucky,
Mississippi, North Carolina, South
Carolina, Tennessee




Florida



NFIP BUREAU AND
STATISTICAL AGENT
REGIONAL OFFICES

Region V
Suite 209
1111 E. Warrenville Road
Naperville, IL 60563
(630) 577-1407
(630) 577-1437 (fax)

Region VI
Suite 108
15835 Park Ten Place
Houston, TX 77084
(281) 829-6880
(281) 829-6879 (fax)

Region VII
The Courtyard
Suite 13-B
601 North Mur-Len Road
Olathe, KS 66062-5445
(913) 780-4238 or -4247
(913) 780-4368 (fax)

Region VIII
Suite 225
1746 Cole Boulevard
Lakewood, CO 80401
(303) 275-3475
(303) 275-3471 (fax)


Region IX
Suite 103
1532 Eureka Road
Roseville, CA 95661
(916) 780-7889
(916) 780-7905 (fax)

Region X
Suite 108
19125 Northcreek Parkway
Bothell, WA 98011
(425) 488-5820
(425) 488-5011 (fax)


NFIP BUREAU AND
STATISTICAL AGENT
REGIONAL STAFF

Richard Slevin
Manager




Diana Herrera
Manager




Dean Ownby, CPCU
Manager




Norman Ashford, CPCU
Manager
Edie Lohmann
Manager




Leslie Melville
Manager


TERRITORY



Illinois, Indiana, Michigan,
Minnesota, Ohio, Wisconsin




Arkansas, Louisiana, New
Mexico, Oklahoma, Texas.
Interim basis: Puerto Rico, Virgin
Islands




Iowa, Kansas, Missouri,
Nebraska




Colorado, Montana, North
Dakota, South Dakota, Utah,
Wyoming
Arizona, California, Guam,
Hawaii, Nevada




Alaska, Idaho, Oregon,
Washington




     PAPERWORK BURDEN DISCLOSURE NOTICE


GENERAL--This information is provided pursuant to Public Law 96-511
(Paperwork Reduction Act of 1980,
as amended), dated December 11, 1980, to allow the public to participate
more fully and meaningfully in the
Federal paperwork review process.

AUTHORITY--Public Law 96-511, amended; 44 U.S.C. 3507; and 5 CFR 1320

DISCLOSURE OF BURDEN--Public reporting burden for the collection of
information entitled "National
Flood Insurance Program Policy Forms," is estimated to average 10 minutes
per response, excluding the V-
Zone Risk Factor Rating Form. The estimated burden includes the time for
reviewing instructions,
searching existing data sources, gathering and maintaining the data
needed, and completing and reviewing
the forms. Reporting burden for these forms, as part of this collection,
is listed below. Send comments
regarding the burden estimate or any aspect of the collection, including
suggestions for reducing the burden,
to: U.S. Department of Homeland Security, Emergency Preparedness and
Response Directorate, Federal
Emergency Management Agency, 500 C Street, S.W., Washington, D.C. 20472,
Paperwork Reduction
Project (1660-0006). NOTE: Do not send completed forms to this address.

PRIVACY ACT--The information requested is necessary to process these
forms for flood insurance. The
authority to collect the information is Title 42, U.S. Code, Section 4001
to 4028. Furnishing the information
is voluntary. It will not be disclosed outside the Federal Emergency
Management Agency except to the
servicing office acting as the government's fiscal agent, to routine
users, to agents, and mortgagees named
on policies.
FEMA FORM NUMBER TITLE                                           BURDEN HOURS

81-16                       Application for Flood Insurance (New)
        12.00 Minutes

81-16                   Application for Flood Insurance (Renewal)
             7.50 Minutes

81-17                       Cancellation/Nullification Request
        7.50 Minutes

81-18                       General Change Endorsement (w/Premium)          9.00
Minutes

81-18                       General Change Endorsement (w/o Premium)
        9.00 Minutes

81-25                       V-Zone Risk Factor Rating
        6.00 Hours

81-67                       Preferred Risk Application
        15.00 Minutes




GENERAL RULES




IV.     COMMUNITY ELIGIBILITY

D.      Participating (Eligible) Communities

Flood insurance may be written only in those
communities that have been designated as
participating in the National Flood Insurance
Program (NFIP) by the Federal Emergency
Management Agency (FEMA).

E.      Emergency Program

The Emergency Program is the initial phase of a
community's participation in the NFIP. Limited
amounts of coverage are available.

F.      Regular Program

The Regular Program is the final phase of a
community's participation in the NFIP. In this
phase, a Flood Insurance Rate Map is in effect
and full limits of coverage are available.
G.   Maps

Maps of participating communities indicate the
degree of flood hazard so that actuarial premium
rates can be assigned for insurance coverage on
properties at risk.

1.    Flood Hazard Boundary Map (FHBM) -
Usually the initial map of a community.
Some communities entering the Regular
Program will continue to use FHBMs
renamed a Flood Insurance Rate Map
(FIRM), if there is a minimum flood hazard.
1.
2.    Flood Insurance Rate Map (FIRM) - The
official map of the community containing
detailed actuarial risk premium zones.
2.
3.    Rescission - Participating communities
in the Emergency Program remain in the
Emergency Program if an FHBM is
rescinded.
3.
H.    Probation

Probation, imposed by the FEMA Regional
Director, occurs as a result of noncompliance
with NFIP floodplain management criteria. A
community is placed on probation for 1 year
(may


be extended), during which time a $50
surcharge is applied to all NFIP policies,
including the Preferred Risk Policy, issued on or
after the Probation Surcharge effective date.
Probation is terminated if deficiencies are
corrected. However, if a community does not
take remedial or corrective measures while on
probation, it can be suspended.

I.   Suspension

Flood insurance may not be sold or renewed in
communities that are suspended from the NFIP.
When a community is suspended, coverage
remains in effect until expiration. These policies
cannot be renewed.

J.    Non-Participating (Ineligible)
Communities

When FEMA provides a non-participating
community with a Flood Hazard Boundary Map
(FHBM) or Flood Insurance Rate Map (FIRM)
delineating its flood-prone areas, the community
is allowed 1 year in which to join the NFIP. If the
community chooses not to participate in the
NFIP, flood insurance is not available.

K.   Coastal Barrier Resources Act

Flood insurance may not be available for
buildings and/or contents located in coastal
barriers or otherwise protected areas. See the
Coastal Barrier Resources System section for
additional information.

L.   Federal Land

Buildings and/or contents located on land owned
by the federal government are eligible for flood
insurance if the federal agency having control of
the land has met floodplain management
requirements. All federal land is recorded under
the local community number even if that local
community does not have jurisdiction.

V.   POLICIES AND PRODUCTS AVAILABLE

A.   Standard Flood Insurance Policy

The Standard Flood Insurance Policy (SFIP)
consists of a Dwelling Form, a General Property
Form, and a Residential Condominium Building
Association Policy (RCBAP) Form.



B.   Preferred Risk Policy

The Preferred Risk Policy (PRP) is available in
moderate-risk flood zones B, C, and X.
Formerly, only single-family and two- to four-
family dwellings were eligible for coverage.
Effective May 1, 2004, other residential and non-
residential buildings became eligible for
coverage. For information about specific
eligibility requirements and other changes in the
Preferred Risk Policy, see the PRP section of
this manual.

C.    Residential Condominium Building
Association Policy (RCBAP)

The RCBAP is a condominium association policy
that covers the common elements and all
structural items of the units within a building.    It
also covers contents owned in common.

D.    Mortgage Portfolio Protection Program
(MPPP)

The Mortgage Portfolio Protection Program
(MPPP) offers a force-placed policy available
only through a Write Your Own Company.

E.    Scheduled Building Policy

The Scheduled Building Policy is available to
cover 2 to 10 buildings. The policy requires a
specific amount of insurance to be designated
for each building. To qualify, all buildings must
have the same ownership and the same
location. The properties on which the buildings
are located must be contiguous.

F.    Group Flood Insurance

Group Flood Insurance is issued by the NFIP
Direct Program in response to a Presidential
disaster declaration. Disaster assistance
applicants, in exchange for a modest premium,
receive a minimum amount of building and/or
contents coverage for a 3-year policy period. An
applicant may cancel the group policy at any
time and secure a regular Standard Flood
Insurance Policy through the NFIP.

VI.   BUILDING PROPERTY ELIGIBILITY

G.    Eligible Buildings

Insurance may be written only on a structure
with two or more outside rigid walls and a fully
secured roof that is affixed to a permanent site.
Buildings must resist flotation, collapse, and
lateral movement. At least 51 percent of the
actual cash value of buildings, including
machinery and equipment, which are a part of
the buildings, must be above ground level,
unless the lowest level is at or above the Base
Flood Elevation (BFE) and is below ground by
reason of earth having been


used as insulation material in conjunction with
energy-efficient building techniques.

1.    Appurtenant Structures
The only appurtenant structure covered by
the SFIP is a detached garage at the
described location, which is covered under
the Dwelling Form. Coverage is limited to
no more than 10 percent of the limit of
liability on the dwelling. Use of this
insurance is at the policyholder's option but
reduces the building limit of liability. The
SFIP does not cover any detached garage
used or held for use for residential (i.e.,
dwelling), business, or farming purposes.

4.    2.    Manufactured (Mobile)
Homes/Travel Trailers
5.
6.    Eligible buildings also include:
7.
?     A manufactured home (a "manu-
factured home," also known as a
mobile home, is a structure built on a
permanent chassis, transported to its
site in one or more sections, and
affixed to a permanent foundation); or
8.
?     A travel trailer without wheels, built on
a chassis and affixed to a permanent
foundation, that is regulated under the
community's floodplain management
and building ordinances or laws.
9.
10.   NOTE: All references in this manual to manufactured (mobile) homes
include tra-vel trailers without wheels.
11.
a.    Manufactured (Mobile) Homes -
New Policies Effective on or After
October 1, 1982

To be insurable under the NFIP, a
mobile home:

?     Must be affixed to a permanent
foundation. A permanent foun-
dation for a manufactured (mobile)
home may be poured masonry slab
or foundation walls, or may be
piers or block supports, either of
which support the mobile home so
that no weight is supported by the
wheels and axles of the mobile
home.

?     Must be anchored if located in a
Special Flood Hazard area. For
flood insurance coverage, all new
policies and subsequent renewals of
those policies must be based upon
the specific anchoring requirements
identified below:

A manufactured (mobile) home
located within a Special Flood
Hazard Area must be anchored to a
permanent foundation to resist
flotation, collapse, or lateral
movement by providing over-the-top
or frame ties to ground anchors; or in
accordance with manufacturer's
specifications; or in compliance with
the community's floodplain man-
agement requirements.

b.    Manufactured (Mobile) Homes -
Continuously Insured Since September
30, 1982

All manufactured (mobile) homes on a
foundation continuously insured since
September 30, 1982, can be renewed
under the previously existing require-
ments if affixed to a permanent
foundation.

Manufactured (mobile) homes in
compliance with the foundation and
anchoring requirements at the time of
placement may continue to be renewed
under these requirements even though
the requirements are more stringent at a
later date.

To be adequately anchored, the
manufactured (mobile) home is
attached to the foundation support
system, which in turn is established
(stabilized) into the ground, sufficiently
to resist flotation, collapse, and lateral
movement caused by flood forces,
including wind forces in coastal areas.

12.   3.   Silos and Grain Storage Buildings

4.    Cisterns

5.    Buildings Entirely Over Water -
Constructed or Substantially Improved
Before October 1, 1982
13.
Follow "submit for rate" instructions in the
Rating section for insurance on Post-FIRM
buildings located entirely in, on, or over
water or seaward of mean high tide for these
buildings. Pre-FIRM buildings constructed
before October 1, 1982, are eligible for
normal Pre-FIRM rates.
If the building's start of construction occurred
on or after October 1, 1982, the building is
ineligible for coverage.
14.
15.   6.   Buildings Partially Over Water

Follow "submit for rate" instructions in the
Rating section for buildings partially over
water. However, Pre-FIRM buildings are
eligible for normal Pre-FIRM rates.
16.
7.    Boathouses Located Partially Over
Water

The non-boathouse parts of a building into
which boats are floated are eligible for
coverage if the building is partly over land
and also used for residential, commercial, or
municipal purposes and is eligible for flood
coverage. The area above the boathouse
used for purposes unrelated to the
boathouse use (e.g., residential occupancy)
is insurable from the floor joists to the roof
including walls. A common wall between the
boathouse area and the other part of the
building is insurable. The following items are
not covered:

a.    The ceiling and roof over the boathouse
portions of the building into which boats are
floated.

b.    Floors, walkways, decking, etc., within the
boathouse area, or outside the area, but
pertaining to boathouse use.

c.    Exterior walls and doors of the boathouse
area not common to the rest of the building.

d.    Interior walls and coverings within the
boathouse area.

e.    Contents located within the boathouse
area, including furnishings and equipment,
relating to the operation and storage of
boats and other boathouse uses.
The Flood Insurance Application form with
photographs, but without premium, must be
submitted to the NFIP for premium
determination. No coverage becomes
effective until the NFIP approves the
insurance application, determines the rate,
and receives the premium. However,
buildings in existence prior to October 1,
1982, may continue to be rated using the
published rate.


8.   Buildings in the Course of Construction

Buildings in the course of construction that have yet to be walled and
roofed are eligible for coverage
except when construction has been halted for more than 90 days and/or if
the lowest floor used for
rating purposes is below the Base Flood Elevation (BFE). Materials or
supplies intended for use in
such construction, alteration, or repair are not insurable unless they
are contained within an enclosed
building on the premises or adjacent to the premises.

9.   Repetitive Loss Target Group Properties

These must be processed by the NFIP Special Direct Facility.   See the
Repetitive Loss section of this
manual for information.

H.   Single Building

To qualify as a single building structure and be subject to the single
building limits of coverage, a building
must be separated from other buildings by intervening clear space or
solid, vertical, load-bearing division
walls.

A building separated into divisions by solid, vertical, load-bearing
walls from its lowest level to its highest
ceiling may have each division insured as a separate building. A solid
load-bearing interior wall cannot
have any openings and must not provide access from one building or room
into another (partial walls). If
access is available through a doorway or opening, then the structure must
be insured as one building.

Flood insurance for a unit of a multiple-unit complex may be written as a
single-building policy, provided
that: the unit is self contained; it is a separately titled unit
contiguous to the ground; it has a separate legal
description; and it is regarded as a separate property for other real
estate purposes, meaning that it has
most of its own utilities and may be deeded, conveyed, and taxed
separately.

Additions and Extensions

The NFIP insures additions and extensions attached to and in contact with
the dwelling by means of a
rigid exterior wall, a solid load-bearing interior wall, a stairway, an
elevated walkway, or a roof. At the
insured's option, additions and extensions connected by any of these
methods may be separately
insured. Additions and extensions attached to and in contact with the
building by means of a common
interior wall that is not a solid load-bearing wall are always considered
part of the dwelling and cannot be
separately insured.

I.   Walls

2.   Breakaway Walls

For an enclosure's wall to qualify as breakaway, it must meet all of the
following criteria:

a.   Above ground level; and

b.   Below the elevated floor of an elevated structure; and

c.   Non-structurally supporting (non-load-bearing walls); and

d.   Designed to fail under certain wave force conditions; and

e.    Designed so that, as a result of failure, it causes no damage to
the elevated portions of the
elevated building and/or its supporting foundation system.

3.   Shear Walls

Shear walls are used for structural support, but are not structurally
joined or enclosed at the ends
(except by breakaway walls). Shear walls are parallel (or nearly
parallel) to the flow of the water and
can be used in any zone.

4.    Solid Perimeter Foundation Walls
17.
Solid perimeter foundation walls are used as a means of elevating the
building in A Zones and must
contain proper openings to allow for the unimpeded flow of floodwaters
more than 1 foot deep.

Solid perimeter foundation walls are not an acceptable means of elevating
buildings in V/VE Zones.
18.
J.   Determination of Building Occupancy

The following terms should be used to determine the appropriate occupancy
classification:

5.   Single Family Dwellings

These are non-condominium residential buildings designed for principal
use as a dwelling place for one
family, or a single-family dwelling unit in a condominium building.
Residential single family dwellings are
permitted incidental occupancies, including structures with office,
professional, private school, or studio
occupancies, including a small service operation, if such occupancies are
limited to less than 50 percent
of the building's total floor area.
19.
20.   2.    2-4 Family Dwellings
21.
These are non-condominium residential buildings designed for principal
use as a dwelling place of two
to four families. Residential buildings, excluding hotels and motels with
normal room rentals for less
than 6 months' duration and containing no more than 4 dwelling units, are
permitted incidental
occupancies (see D.1 above). The total area of incidental occupancy is
limited to less than 25 percent of
the total floor area within the building.
22.
3.    Other Residential Buildings
23.
These include hotels or motels where the normal occupancy of a guest is 6
months or more, or a
tourist home or rooming house which has more than four roomers. This also
includes residential
buildings, excluding hotels and motels with normal room rentals for less
than 6 months' duration and
containing more than four dwelling units. These buildings are permitted
incidental occupancies (see D.1
above). The total area of incidental occupancy is limited to less than 25
percent of the total floor area
within the building. Examples of other residential buildings include
dormitories and assisted living
facilities.
24.
4.    Non-Residential Buildings
25.
26.   This category includes all other eligible occupancies (e.g.,
garages, poolhouses, recreational
buildings, agricultural buildings, licensed bed and breakfasts, nursing
homes, etc.).
27.
VII. CONTENTS ELIGIBILITY
28.
K.    Eligible Contents
29.
Contents must be located in a fully enclosed building or secured to
prevent flotation out of the building.

L.   Vehicles and Equipment

The NFIP covers self-propelled vehicles or machines, provided they are
not licensed for use on public
roads and are:


1.   Used mainly to service the described location; or

2.   Designed and used to assist handicapped persons;

while the vehicles or machines are inside a building at the described
location.

M.   Silos, Grain Storage Buildings, and Cisterns

Contents located in silos, grain storage buildings, and cisterns are
insurable.

N.   Commercial Contents Coverage

Commercial contents in a residential property must be insured on the
General Property Form.

VIII. EXAMPLES OF ELIGIBLE RISKS

Since the question of coverage eligibility has frequently been raised,
examples of eligible risks are
provided below.

O.   Building Coverage

6.    Cooperative Building--Entire Building in Name of Cooperative
(General Property Form)

Cooperative buildings where at least 75 percent of the area of the
building is used for residential
purposes are considered as residential occupancies, and can be insured
for a maximum building
coverage of $250,000 in a Regular Program community under the General
Property Form. Since they are
not in the condominium form of ownership, they cannot be insured under
the RCBAP.
30.
7.    Time Sharing Building--Entire Building in Name of Corporation
(General Property Form)
31.
Timeshare buildings not in the condominium form of ownership where at
least 75 percent of the area of the
building is used for residential purposes are considered as residential
occupancies under the NFIP, and can
be insured for a maximum building coverage of $250,000 under the General
Property Form.

Timeshare buildings in the condominium form of ownership are eligible for
coverage and must be insured
under the RCBAP. These buildings are subject to the same eligibility,
rating, and coverage requirements as
other condominiums, including the requirement that 75 percent of the area
of the building be used for
residential purposes.

P.    Contents Coverage

Parts and equipment as open stock—not part of specific vehicle or
motorized equipment—are eligible for
coverage.

Q.    Condominiums

Refer to pages CONDO 3 and 4.

IX.   INELIGIBLE PROPERTY

R.    Buildings

Coverage may not be available for buildings that are constructed or
altered in such a way as to place
them in violation of state or local floodplain management laws,
regulations, or ordinances. Contents and
personal property contained in these buildings are ineligible for
coverage.

For example, section 1316 of the National Flood Insurance Act of 1968
allows the states to declare a
structure to be in violation of a law, regulation, or ordinance. Flood
insurance is not available for
properties that are placed on the 1316 Property List. Insurance
availability is restored once the violation
is corrected and the 1316 Declaration has been rescinded.

S.    Container-Type Buildings

Gas and liquid tanks, chemical or reactor container tanks or enclosures,
brick kilns, and similar units, and
their contents are ineligible for coverage.

T.    Buildings Entirely Over Water

Buildings newly constructed or substantially improved on or after October
1, 1982, and located entirely in,
on, or over water or seaward of mean high tide are ineligible for
coverage.
U.      Buildings Partially Underground

If 50 percent or more of the building's actual cash value, including the
machinery and equipment, which
are part of the building, is below ground level, the building or units
and their contents are ineligible for
coverage unless the lowest level is at or above the BFE and is below
ground by reason of earth having
been used as insulation material in conjunction with energy efficient
building techniques.

V.      Basement/Elevated Building Enclosures

Certain specific property in basements and under elevated floors of
buildings is excluded from coverage.
See the policy contract for specific information.

VII.    EXAMPLES OF INELIGIBLE RISKS

Some specific examples of ineligible risks are provided below.    See the
policy for a definitive listing of
property not covered.

W.      Building Coverage

8.    Boat Repair Dock
32.
9.    Boat Storage Over Water
33.
10.   Boathouses (exceptions on page GR 3)
34.
11.   Camper
35.
12.   Cooperative Unit Within Cooperative Building
36.
37.   6.    Decks (except for steps and landing; maximum landing area of
16 sq. ft.)
38.
39.   7.    Drive-In Bank Teller Unit (located outside walls of building)
40.
8.    Fuel Pump

41.     9.    Gazebo (unless it qualifies as a building)

42.     10.   Greenhouse (unless it has at least two rigid walls and a
roof)
43.
44.     11.   Hot tub or spa (unless it is installed as a bathroom fixture)
45.
46.     12.   Open Stadium
47.
48.     13.   Pavilion (unless it qualifies as a building)
49.
50.   14.   Pole Barn (unless it qualifies as a building)

51.   15.   Pumping Station (unless it qualifies as a building)
52.
53.   16.   Storage Tank--Gasoline, Water, Chemicals, Sugar, etc.

54.   17.   Swimming Pool Bubble
55.
56.   18.   Swimming Pool (indoor or outdoor)
57.
58.   19.   Tennis Bubble
59.
60.   20.   Tent
61.
62.   21.   Time Sharing Unit Within Multi-Unit Building

63.   22.   Travel Trailer (unless converted to a permanent onsite
building meeting the community's
floodplain management permit requirements)
64.
65.   23.   Water Treatment Plant (unless 51 percent of its actual cash
value is above ground)
66.
B.    Contents Coverage

9.    Automobiles--Including Dealer's Stock (assembled or not)
67.
10.   Bailee's Customer Goods--Including garment contractors, cleaners,
shoe repair shops, processors of
goods belonging to others, and similar risks

11.   Contents Located in a Structure Not Eligible for Building Coverage
68.
12.   Contents Located in a Building Not Fully Walled and/or Contents Not
Secured Against Flotation

13.   Motorcycles--Including Dealer's Stock (assembled or not)

14.   Motorized Equipment--Including Dealer's Stock (assembled or not)

C.    Non-Residential Condominium Unit

The owner of a non-residential condominium unit cannot purchase a unit
owner's policy. The association
can purchase a condominium association policy to cover the entire
building. Contents coverage only may
be purchased by the unit owner.

VIII. POLICY EFFECTIVE DATE

D.    Evidence of Insurance

A copy of the Flood Insurance Application and premium payment, or a copy
of the declarations page, is
sufficient evidence of proof of purchase. The NFIP does not recognize an
oral binder or contract of
insurance.

B.   Start of Waiting Period

There is a standard 30-day waiting period for new applications and for
endorsements to increase
coverage.

15.   If the application or endorsement form and the premium payment are
received at the NFIP within 10
days from the date of application or endorsement request, or if mailed by
certified mail within 4 days
from the date of application or endorsement request, then the waiting
period will be calculated from
the application or endorsement date.
69.
16.   If the application or endorsement form and the premium payment are
received at the NFIP after 10
days from the date of application or endorsement request, or are not
mailed by certified mail within 4
days from the date of application or endorsement request, then the
waiting period will be calculated
from the date the NFIP receives the application or endorsement.
70.
71.   As used in VIIl.B.1. and 2. above, the term "certified mail"
extends to not only the U.S. Postal Service
but also certain third-party delivery services. Acceptable third-party
delivery services include Federal
Express (FedEx), United Parcel Service (UPS), and courier services and
the like that provide proof
of mailing. Third-party delivery is acceptable if the delivery service
provides documentation of the
actual mailing date and delivery date to the NFIP insurer. Bear in mind
that third-party delivery
services deliver to street addresses but cannot deliver to U.S. Postal
Service post office boxes.

C.   Effective Date

1.    New Policy (other than 2, 3, or 4 below)--The effective date of a
new policy will be 12:01 a.m.,
local time, on the 30th calendar day after the application date and the
presentment of premium.
(Example: a policy applied for on May 3 will become effective 12:01 a.m.,
local time, on June 2.)
The effective date of coverage is subject to the waiting period rule
listed under B.1 or B.2 above.

2.    New Policy (in connection with making, increasing, extending, or
renewing a loan, whether
conventional or otherwise)--Flood insurance, which is initially purchased
in connection with the
making, increasing, extending, or renewal of a loan, shall be effective
at the time of loan closing,
provided that the policy is applied for and the presentment of premium is
made at or prior to the
loan closing. (Example: presentment of premium and application date--
April 3, refinancing--April
3 at 3:00 p.m., policy effective date--April 3 at 3:00 p.m.) This rule
applies to all buildings
regardless of flood zone. The waiting period rule listed under B.1 or B.2
above does not apply.
3.    New Policy (in connection with mortgage portfolio reviews)--The 30-
day waiting period does not apply
when flood insurance is required as a result of a lender determining that
a loan on a building in a
Special Flood Hazard Area (SFHA) that does not have flood insurance
coverage should be protected
by flood insurance. The coverage is effective upon the completion of an
application and the
presentment of payment of premium. (Example: presentment of premium and
application date--April 3,
policy effective date--April 3.) The waiting period rule listed under B.1
or B.2 must be used.

4.    New Policy (when the initial purchase of flood insurance is in
connection with the
revision or updating of a Flood Hazard Boundary Map or Flood Insurance
Rate Map)--
During the 13-month period beginning on the effective date of the map
revision, the
effective date of a new policy shall be 12:01 a.m., local time, following
the day after the
application date and the presentment of premium. This rule only applies
where the Flood
Hazard Boundary Map (FHBM) or Flood Insurance Rate Map (FIRM) is revised
to show the
building to be in a Special Flood Hazard Area (SFHA) when it had not been
in an SFHA.
(Example: FIRM revised--January 1, 2005, policy applied for and
presentment of premium--
August 3, 2005, policy effective date--August 4, 2005.) The waiting
period rule listed under
B.1 or B.2 above must be used.
72.
5.    New Policy (in connection with the purchase of an RCBAP)--When a
condominium
association is purchasing a Residential Condominium Building Association
Policy (RCBAP),
the 30-day waiting period does not apply if the condominium association
is required to
obtain flood insurance as part of the security for a loan under the name
of the condominium
association. The coverage is effective upon completion of an application
and presentment
of premium. The waiting period rule listed under B.1 or B.2 above does
not apply.
73.
74.   In all other circumstances, the 30-day waiting period applies, and
the waiting period rule listed under
B.1 or B.2 above must be used.
75.
6.    New Policy (submit-for-rate application)-- With three exceptions
(described below), the
effective date of a new policy will be 12:01 a.m., local time, on the
30th calendar day after
the presentment of premium.
76.
77.   The three exceptions are as follows.
78.
79.   First, there is no waiting period if the initial purchase of flood
insurance on a submit-for-rate
application is in connection with making, increasing, extending, or
renewing a loan, provided that the
policy is applied for and the presentment of premium is made at or prior
to the loan closing. The
waiting period rule listed under B.1 or B.2 above does not apply.
80.
Second, the 30-day waiting period does not apply when flood insurance is
required as a result of a
lender determining that a loan which does not have flood insurance
coverage should be protected by
flood insurance, because the building securing a loan is located in an
SFHA. The coverage is
effective upon the completion of an application and the presentment of
payment of premium. This
exemption from the 30-day waiting period applies only to loans in SFHAs,
i.e., those loans for which
the statute requires flood insurance. The waiting period rule listed
under B.1 or B.2 above must be
applied.

Third, during the 13-month period beginning on the effective date of a
map revision, the effective
date of a new policy shall be 12:01 a.m., local time, following the day
after the date the increased
amount of coverage is applied for and the presentment of additional
premium is made. This rule
applies only on an initial purchase of flood insurance where the Flood
Hazard Boundary Map
(FHBM) or Flood Insurance Rate Map (FIRM) is revised to show the building
to be in an SFHA when
it had not been in an SFHA. The waiting period rule listed under B.1 or
B.2 must be applied.

7.    New Policy (rewrite Standard to PRP)--The 30-day waiting period
does not apply when
an insured decides to rewrite the existing policy at the time of renewal
from Standard to a
Preferred Risk Policy (PRP), provided that the selected PRP coverage
limit amount is no
higher than the next highest PRP amount above that which was carried on
the Standard
policy using the highest of building and contents coverage. In those
cases where the
Standard policy has only one kind of coverage, either building or
contents only, the 30-day
waiting period applies.
81.   In addition, if the structure is no longer eligible under the PRP
or the insured decides to rewrite the
existing PRP at renewal time to a Standard policy, the 30-day waiting
period does not apply
provided the coverage limit amount is no more than the previous PRP
coverage amount or the next
highest PRP amount above that.
82.
8.    New Policy (contents only)--Unless the contents are part of the
security for a loan, the
30-day waiting period applies to the purchase of contents-only coverage.
83.
9.    New Policy (documentation required)--The insurer may rely on an
agent's representation
on the application that the loan exception applies unless there is a loss
during the first 30
days of the policy period. In that case, the insurer must obtain
documentation of the loan
transaction, such as settlement papers, before adjusting the loss.
84.
10.   Community's Initial Entry or Conversion from Emergency to Regular
Program--Process
according to rules 1 through 9 above and 11 below.
85.
11.   Endorsements--With two exceptions (described below), the effective
date for a new
coverage or an increase in limits on a policy in force shall be 12:01
a.m., local time, on the
30th calendar day following the date of endorsement and the presentment
of additional
premium, or on such later date set by the insured to conform with the
reason for the
change.
86.
87.   The two exceptions are as follows.
88.
First, during the 13-month period beginning on the effective date of a
map revision, the effective date of
an endorsement of an existing policy shall be 12:01 a.m., local time,
following the day after the
application date and the presentment of premium. This rule applies only
where the FHBM or FIRM is
revised to show the building to be in an SFHA when it had not been in an
SFHA.
Second, the 30-day waiting period does not apply when the additional
amount of flood insurance is
required in connection with the making, increasing, extending, or
renewing of a loan, such as a
second mortgage, home equity loan, or refinancing. The increased amount
of flood coverage shall
be effective at the time of loan closing, provided that the increased
amount of coverage is applied for
and the presentment of additional premium is made at or prior to the loan
closing. The waiting period
rule listed under B.1 or B.2 above does not apply.

12.   Renewals (inflation increase option)--The 30-day waiting period
does not apply when an
additional amount of insurance is requested at renewal time that is no
more than the
amount of increase recommended by the insurer on the renewal bill to keep
pace with
inflation. The increased amount of coverage will be effective at 12:01
a.m. on the date of
policy renewal provided the premium for the increased coverage is
received before the
expiration of the grace period.
89.
13.   Renewals (higher PRP limits)--The waiting period does not apply to
a renewal offer to
the insured for the next higher limits available under the PRP.
90.
14.   Renewals (deductible reduction)--The 30-day waiting period does not
apply to a
reduction of the deductible effective as of the renewal date.
91.
IX.   COVERAGE
92.
E.    Limits of Coverage
93.
94.   Coverage may be purchased subject to the maximum limits of coverage
available under the
Program phase in which the community is participating. Duplicate policies
are not allowed.
95.
F.    Deductibles
96.
97.   Deductibles apply separately to building coverage and to contents
coverage.
98.
G.    Coverage D - Increased Cost of Compliance (ICC) Coverage

For all new and renewal policies effective on or after May 1, 2003, the
ICC limit of liability is $30,000.

The SFIP pays for complying with a State or local floodplain management
law or ordinance affecting repair
or reconstruction of a structure suffering flood damage. Compliance
activities eligible for payment are:
elevation, floodproofing, relocation, or demolition (or any combination
of these activities) of the insured
structure. Eligible floodproofing activities are limited to non-
residential structures and residential structures
with basements that satisfy FEMA's standards published in the Code of
Federal Regulations [44 CFR 60.6
(b) or (c)].
99.
ICC coverage is mandatory for all Standard Flood Insurance Policies,
except that coverage is not available
for:

1.     Policies issued or renewed in the Emergency Program.
100.

2.    Condominium units, including townhouse/ rowhouse condominium units.
(The condominium
association is responsible for complying with mitigation requirements.)

3.     Group Flood Insurance Policies.

4.     Appurtenant structures, unless covered by a separate policy.

ICC coverage contains exclusions in addition to those highlighted here.
See the policy for a list of
exclusions.

To be eligible for claim payment under ICC, a structure must:
101.
a.    Be a repetitive loss structure as defined, for which NFIP paid a
previous qualifying claim, in addition to
the current claim. The state or community must have a cumulative,
substantial damage provision or
repetitive loss provision in its floodplain management law or ordinance
being enforced against the
structure; OR
102.
b.    Be a structure that has sustained substantial flood damage. The
state or community must have a
substantial damage provision in its floodplain management law or
ordinance being enforced against
the structure.
103.
The ICC premium is not eligible for the deductible discount. First
calculate the deductible discount, then add
in the ICC premium for each policy year.
104.
D.    Reduction of Coverage Limits or Reformation

In the event that the premium payment received is not sufficient to
purchase the amounts of insurance
requested, the policy shall be deemed to provide only such insurance as
can be purchased for the entire
term of the policy for the amount of premium received.
105.
106. Complete provisions for reduction of coverage limits or reformation
are described in:

1.    Dwelling Form, section VII, paragraph G.
107.
2.    General Property Form, section VII, paragraph G.
108.
3.    Residential Condominium Building Asso-ciation Policy, section VIII,
paragraph G.
109.
X.    SPECIAL RATING SITUATIONS

H.   Tentative Rates

110. Tentative rates are applied when producers are unable to provide
all required underwriting information
necessary to rate the policy. Tentatively rated policies cannot be
endorsed to increase coverage limits
or renewed for another policy term until required actuarial rating
information and full premium payment
are received by the NFIP. If a loss occurs on a tentatively rated policy,
the loss payment will be limited
by the amount of coverage that the premium initially submitted will
purchase (using the correct
actuarial rating information), and not the amount requested by
application.

I.   Submit-For-Rate

111. Some risks, because of their unique underwriting characteristics,
cannot be rated using this manual.
Certain risks must be submitted to the NFIP Underwriting Unit to
determine the appropriate rate. Refer
to page GR 8 for the applicable waiting period.
112.
113. Submit-for-rate policies must be rerated annually using the newest
rates. If the NFIP Direct or WYO
company does not have all the underwriting information, it must request
the missing information from
the insured in order to properly rate the risk.
114.
115. Pre-FIRM risks may not be rated using the submit-for-rate process.
116.
J.    Provisional Rates

Rules applicable to provisionally rated policies are provided in the
Provisional Rating section of this
manual.

K.   Buildings in More Than One Flood Zone
117. Buildings, not the land, located in more than one flood zone must
be rated using the more hazardous
zone.
118.
119. This condition applies even though the portion of the building
located in the more hazardous zone
may not be covered under the SFIP, such as a deck.
XI.   MISCELLANEOUS RULES

L.   Policy Term

120. The policy term available is 1 year for both NFIP Direct business
policies and policies written through
WYO Companies.
121.
M.    Application Submission

122. Flood insurance applications and presentment of premium must be
mailed promptly to the NFIP. The
date of receipt of premium for the NFIP insurer is determined by either
the date received at its offices
or the date of certified mail.
123.
124.
125. In the context of submission of applications, endorsements, and
premiums to the NFIP, the term
"certified mail" has been broadened to include not only the U.S. Postal
Service but also certain third-
party delivery services. For details, see the paragraph following
VIII.B.2. on page GR 7.

Producers are encouraged to submit flood insurance applications by
certified mail. Certified mail ensures
the earliest possible effective date if the application and premium are
received by the NFIP insurer more
than 10 days from the application date. The date of certification becomes
the date of receipt at the NFIP.

N.    Delivery of the Policy
126.
127. The producer is responsible for delivering the declarations page
and the policy contract of a new policy
to the insured and, if appropriate, to the lender. Renewal policy
documentation is sent directly to the
insured.
128.


O.   Assignment

A property owner's flood insurance building policy may be assigned in
writing to a purchaser of the
insured property upon transfer of title without the written consent of
the NFIP.

Policies on buildings in the course of construction and policies insuring
contents only may not be
assigned.

P.     Producers' Commissions (Direct Business Only)

The earned commission may be paid only to property or casualty insurance
producers duly licensed by a
state insurance regulatory authority. It shall not be less than $10 and
is computed for both new and
renewal policies as follows: Based on the Total Prepaid Amount (less the
Federal Policy Fee) for the
policy term, the commission will be 15 percent of the first $2,000 of
annualized premium and 5 percent on
the excess of $2,000.

Calculated commissions for mid-term endorse-ments and cancellation
transactions will be based upon
the same commission percentage that was paid at the policy term's
inception.

Commissions for all Scheduled Building Policies are computed as though
each building and contents policy
was separately written.

For calculation of commission on an RCBAP, see the CONDO section.

APPLICATION




XII.   USE OF THE FORM

The NFIP Flood Insurance Application form, or a
similar form for WYO companies, must be used
for all flood insurance policies except the
Preferred Risk Policy.

This section includes important guidance to
carry out the regulatory intent and instructions
on the rating of the different building types.

The flood insurance rate to be applied to a
building in the NFIP is determined by
establishing:

?     Whether the building is Post-FIRM
construction or Pre-FIRM construction.
?      The building description with regard to:

       -    Building   occupancy
       -    Building   type
       -    Basement   type
       -    Elevated   building type

?      The flood risk zone

?      The elevation of the building

XIII. TYPES OF BUILDINGS

For purposes of the NFIP, distinctions have
been made among the following building types:

?      No basement

       -    One floor
       -    Split level
       -    Two or more floors

?      Unfinished basement

       -    Split level
       -    Two or more floors

?      Finished basement

       -    Split level
       -    Two or more floors

?     Manufactured (mobile) home, including
doublewide, or travel trailer, on foundation

?      Elevated building

      -    No enclosure
      -    With enclosure (including crawl space)
An elevated building is a building that has
no basement and that has its lowest
elevated floor raised above ground level by
foundation walls, shear walls, posts, piers,
pilings, or columns.

For Post-FIRM buildings in V Zones,
elevated on solid perimeter foundation
walls, submit the Application to the NFIP
Bureau's Underwriting Department for
rating.

XIV.   SCHEDULED BUILDING POLICY

1.     To obtain a Scheduled Building Policy, an
Application must be completed for each
building and/or contents for which coverage
is requested.

2.    For each scheduled building (building and/or
contents coverage), the Federal Policy Fee
is $30.00 per building

3.    All Flood Insurance Application forms must
be completed in accordance with all Flood
Insurance Manual rules and the Scheduled
Building Policy qualifications.

4.    If requesting a Scheduled Building Policy,
indicate Building #1, Building #2, etc., in the
upper right corner of each Application.
Staple together the Applications as a single
unit.

XV.   COMPLETING PART 1 OF THE FLOOD
INSURANCE APPLICATION FORM

The following are instructions for completing
Part 1 of the Flood Insurance Application form.

Q.   Policy Status

In the upper right corner of the form, check the
appropriate box to indicate if the application is
for a NEW policy or a RENEWAL of an existing
policy. If the application is for a renewal, enter
the current 10-digit NFIP policy number.

R.   Policy Term (Billing/Policy Period)

Check the appropriate box to indicate who
should receive the renewal bill. If BILL FIRST
MORTGAGEE is checked, complete "First
Mortgagee" section. If BILL SECOND
MORTGAGEE, BILL LOSS PAYEE, or BILL
OTHER is checked, provide mailing instructions
in the "Second Mortgagee or Other" section.


Enter the policy effective date and policy
expiration date (month-day-year). The effective
date of the policy is determined by adding the
appropriate waiting period to the date of
application listed in the "Signature" section. The
standard waiting period is 30 days.

NOTE: Refer to the General Rules section,
page GR 8, for exceptions to the
standard waiting period.
S.   Agent Information

Enter the producer's name, agency name and
number, address, city, state, ZIP Code,
telephone number, and fax number. Enter the
producer's Tax I.D. Number or Social Security
Number.

T.   Insured Mail Address

Enter the name, mailing address, city, state, ZIP
Code, and telephone number of the insured.
Reporting the insured's Tax I.D. Number or
Social Security Number is optional.

If the insured's mailing address is a post office
box or a rural route number, or if the address of
the property to be insured is different from the
mailing address, the "Property Location" section
of the Application must be completed. If there is
more than one building at the property location,
see "H. Property Location" in the next column for
further instructions.

U.   Disaster Assistance

Check YES if flood insurance is being required
for disaster assistance. Identify the Government
(disaster) agency, and enter the complete name
and mailing address of the disaster agency.
Enter the insured's case file number, Tax I.D.
Number, or Social Security Number.

If NO is checked, no further information is
required.

V.   First Mortgagee

Enter the name, mailing address, city, state, ZIP
Code, telephone number, and fax number of the
first mortgagee. Enter the loan number. If not
available at the time of application, the loan
number should be added to the policy by
submitting a General Change Endorsement
form.

For condominium association applications, the
mortgagees for the individual condominium unit
owners must not be entered here. The General
Property Form and RCBAP provide coverage for
the entire building and the real property
elements, including all units within the building
and the improvements within the units.
W.   Second Mortgagee Or Other

Identify additional mortgagees by checking the
appropriate box and entering the loan number,
the mortgagee's name, mailing address,
telephone number, and fax number.

For condominium associations, follow the
appropriate instructions provided under "F. First
Mortgagee."

If more than one additional mortgagee or
disaster assistance agency exists, provide the
requested information on the insurance agency's
letterhead and attach the letterhead to the
Application form. Provide the disaster assistance
case number or the insured's Social Security
Number.

X.   Property Location

Check YES if the location of the property being
insured is the same as the insured's mailing
address entered in the "Insured Mail Address"
section. Leave the rest of the section blank
unless there is more than one building at the
property location.

If more than one building is at the location of the
insured property, use the "Property Location"
section to specifically identify the building. An
example would be where five buildings with the
same mailing address and location are insured
with separate policies. Describe briefly the
building (barn, silo, etc.) in this section or submit
a sketch showing the location of insured
buildings to assist the NFIP in matching the
policy number to the specific building insured. A
clear description of the insured's property is
important.

If NO, provide address or location of the
property to be insured.

If the insured's mailing address is a post office
box or rural route number, give the street
address, legal description, or geographic
location of the property.

Y.   Community

Enter the name of the county or parish where
the property is located.
Check YES if the property is located in an
unincorporated area of a county; otherwise,
check NO.
NOTE: The mailing address may or may not
reflect the community where the
property is located. Do not rely on the
mailing address when determining
community status and identification.
Because of possible changes in the
Flood Insurance Rate Map (FIRM), do
not rely on information from a prior
policy.

Enter the community identification number, map
panel number, and revision suffix for the
community where the property is located. When
there is only one panel (i.e., a flat map), the
community number will consist of only six digits.
Use the FIRM in effect at the time of
presentment of premium and completion of
application.

NOTE: Not all communities that have been
assigned NFIP community numbers
are participating in the National Flood
Insurance Program. Policies may not
be written in nonparticipating com-
munities.

Community number and status may be obtained
by calling the NFIP insurer, by consulting a
local community official, or by checking the
NFIP Community Status Book online
(http://www.fema.gov/fema/csb.shtm).

Check YES if the property is located in a Special
Flood Hazard Area; otherwise, check NO.

Enter the FIRM zone in the space provided. If
the program type is Emergency, leave this area
blank.

Check R if the community is in the Regular
Program, or check E if the community is in the
Emergency Program.

If the community program type is Regular and
the building is Pre-FIRM construction, enter the
FIRM zone, if known; otherwise, enter
UNKNOWN and follow the Alternative Rating
procedure explained in the Rating section of this
manual. UNKNOWN cannot be used for
manufactured homes or other buildings located
in a community having flood Zones V or V1-V30
(VE).

Determine whether the community is located in
a CBRS or OPA. See CBRS section for
additional information.




Z.   Building

Complete all required information in this section.

?    Building Occupancy

      Indicate the type of occupancy for the
building (i.e., single family, 2-4 family, other
residential, or non-residential).

?     Basement or Enclosed Area Below an
Elevated Building

      Indicate whether the building contains a
basement (i.e., lowest floor is below ground
on all sides). If an enclosure is the lowest
floor for rating, use the "With Basement/
Enclosure" Rate Table to determine the rate.

      If the enclosure is not the lowest floor for
rating, use the "Without Basement/
Enclosure" Rate Table and describe the
building as "Without Basement/Enclosure." In
A zones, this means that the enclosure was
designed with proper openings; in Post-FIRM
V zones constructed before October 1, 1981,
the enclosure is less than 300 square feet
with breakaway walls and no machinery or
equipment in the enclosure is below the
BFE.

      The writing company may use the
"Obstruction Type" description provided in
the Transaction Record Reporting and
Processing (TRRP) Plan to show the
enclosure on the policy declarations page.

?    Small Business Risk

     Indicate Yes or No.

?    Number of Floors or Building Type

     Indicate the number of floors in the entire
building, including the basement/enclosed
area if applicable, in the appropriate space.

If the building type is a townhouse/rowhouse
being covered under an RCBAP, check
"Townhouse/Rowhouse (RCBAP Lowrise
Only)."

            If the building is a manufactured (mobile)
home or travel trailer on a foundation, check
"Manufactured (Mobile) Home on
Foundation" regardless of the building's size.
Dimensions of manufactured (mobile) homes
and travel trailers are used only for
determining replacement cost eligibility, not
for rating.

?    Number of Occupancies (Units)

      For other than single family dwellings,
indicate the number of units.

?    Condo Coverage

If condominium coverage is being
purchased, indicate whether the coverage is
for a condominium unit or the entire
condominium building.

?     Residential Condominium Building Asso-
ciation Policy

      For a Residential Condominium Building
Association Policy (RCBAP), enter the total
number of units (including non-residential)
within the building and indicate whether the
building is a high-rise or low-rise.

?    Estimated Replacement Cost

Using normal company practice, estimate
the replacement cost value and enter the
value in the space provided. Include the cost
of the building foundation when determining
the replacement cost value.

?    Insured's Principal Residence

      Indicate whether the building is the
policyholder's principal residence.

?    Building in Course of Construction

     Indicate whether the building is in the course
of construction.

?     Deductible and Deductible Buyback

Enter the deductible amount for building
and/or contents. Also indicate whether the
applicant is "buying back" a $500 deductible.
Refer to page RATE 12 to buy back a $500
deductible. (See deductible factors on pages
RATE 13 and CONDO 22.)

?     Elevated Building

Indicate whether this is an elevated building.
If it is, also indicate, in the next block,
whether the area below the lowest elevated
floor is free of obstruction or with
obstruction.

For all elevated buildings using
elevation for rating, complete
Part 2 on the back of the Flood
Insurance Application after you
have completed Part 1.


?     Describe Building and Use

For other than 1-4 family dwellings, describe
the insured building and its use. This
includes manufactured (mobile) homes and
travel trailers, other residential structures,
and non-residential buildings. For all
manufactured (mobile) homes and travel
trailers, complete Part 2 on the back of the
Flood Insurance Application after you have
completed Part 1.

?     State Government Ownership of Property

Check YES if the property is owned by state
government; otherwise, check NO.

AA.   Contents

Check the box that describes the location of the
contents to be insured. Describe any contents
that are not personal property household
contents.

If only building insurance is to be purchased, be
sure to notify the applicant of the availability of
contents insurance. It is recommended that the
applicant initial the contents coverage section if
no contents insurance is requested. This will
make the applicant aware that the policy will not
provide payment for contents losses.

BB.    Construction Data

129.   Construction Date

Check one of the five blocks in the first part of this
section, and enter the appropriate date for the date
of construction or building permit date. (For
substantial improvement, see the "Substantial
Improvement Exception" instructions that
follow.)

In the Emergency Program, provide the
month/day/year of construction. If the month and
day are unknown, enter July 1 (07/01) and enter
the best information for the year of construction.
The rest of the sections should be left blank.

If the building was constructed or substantially
improved on or before December 31, 1974, or
before the effective date of the initial FIRM for
the community, the building is considered Pre-
FIRM construction. Otherwise, the building is
considered Post-FIRM.

If the building was substantially improved, enter the
actual month, day, and year that substantial
improvement started or the building permit date.

If the building was substantially damaged, enter the
actual month, day, and year that substantial
damage occurred. Substantial improvement
includes buildings that have incurred "substantial
damage" regardless of the actual repair work
performed. The agent must obtain and submit a
statement from a community official before the
building can be considered substantially
damaged.

If the policy is for a manufactured (mobile) home or
travel trailer located outside a manufactured
(mobile) home park or subdivision, enter the date
of permanent placement of the manufactured
(mobile) home. See the Rating section of this
manual for rules for manufactured (mobile)
homes located in manufactured (mobile) home
parks and subdivisions.

Compare the date of
construction or substantial
improvement with the
effective date of the initial
FIRM to determine if the
building was constructed Pre-
or Post- the effective date
of the initial FIRM.

?    Substantial Improvement Exception

For new applications, renewal
applications, and
endorsements when making a
rating correction concerning
a substantial improvement to
a Pre-FIRM building where the
improvement is an addition to
the building and it meets the
conditions of Pre-FIRM
construction, found on pages
RATE 15-16 of this manual,
the producer should complete
the Construction Data section
of the Application as
follows:

a.    Enter the date of
construction for the Pre-FIRM part
of the building (not the date of
construction of the addition). This
date will be shown as the
construction date on the
declarations page.

b.    Do not respond to the
question IS BUILDING POST-FIRM
CON-STRUCTION? Instead,
complete the top part of this section
as follows:

           "Substantial Improvement but
continues to be Pre-FIRM."

c.    Supply the elevation data
for the ADDITION.

d.    Complete the remainder of
both parts of the Construction Data
section in the usual manner.

If a policyholder elects to use the normal
Post-FIRM rating for substantial
improvement, the producer must
complete Part 2 of the Application as
indicated.
130.   Elevation Information

Elevation information must be completed in
the second part of the Construction Data
section.

?      Post-FIRM Construction

Check YES if the building is Post-FIRM
construction or substantial improvement;
otherwise, check NO.

?     Building Diagram Number and Lowest
Adjacent Grade

Provide the building diagram number
and lowest adjacent grade from the
Elevation Certificate. The lowest
adjacent grade is not required for
buildings without estimated BFE located
in AO and unnumbered A and V zones.
Policies rated using the Floodproofing
Certificate do not require either the
lowest adjacent grade or the diagram
number.

In communities that participate in the
NFIP's Community Rating System
(CRS), building elevation information
may be available from the community
office in charge of building permits or
floodplain management.

?     Elevation Information for Buildings in
the Course of Construction

When the building is in the
course of construction, the
elevation information
provided by the surveyor on
the Elevation Certificate
(EC) must be based on the
proposed architectural plans.
The NFIP requires the agent
to describe and rate the
structure based on the
proposed plans.

Buildings in the course of
construction are to be rated
the same as completed
construction. A renewal
application and a new EC are
required at renewal time. For
example, if the building is
elevated and the proposed
plans show an enclosure, the
building must be described as
elevated with an enclosure.
The only exception is when an
EC was prepared in the course
of construction, and the
surveyor was able to provide
all elevation information
required on the EC.

?     Lowest Floor Elevation and
Related Items

Use the eight building diagrams on
pages CERT 18-19 to determine the
correct lowest floor. See pages LFG 1-7
for information about determining the
lowest floor for rating. When entering
elevation data, drop hundredths of a
foot and show only tenths of a foot. For
example, if the elevation difference is
10.49', enter 10.4'; do not round up to
10.5'.

?     Wave Height Adjustment

In Zones V, V1-V30, and VE,
if NO is checked for the
question about Effects of
Wave Action, refer to page
RATE 29 for guidelines for
FIRMS with wave heights.

?     Floodproofing

If YES is checked for Floodproofed and
the FIRM zone entered in the
Community section of the Application is
V, V1-V30, or VE, the Application must
be submitted to the NFIP for
underwriting and rating. For all other
zones, refer to pages RATE 30-31 for
elevation difference and rating
guidelines.

?     Elevation Certification

Enter the elevation certification date for
all new business applications.

CC.   Coverage and Rating
Check desired coverage against the "Amount of
Insurance Available" table on page RATE 1.
Then enter the limits, indicate the rates and rate
type, and add additional charges/credits, i.e.,
deductible reduction/increase, ICC Premium,
CRS Premium Discount, Probation Surcharge (if
any), and Federal Policy Fee. Calculate the
Total Prepaid Amount.

DD.   Signature

The producer must sign the Application and is
responsible for the completeness and accuracy
of the information provided on it. Enter the date
of application (month/day/year). The waiting
period is added to this date to determine the
policy effective date of the policy listed in the
Policy Term section. A check or money order
for the Total Prepaid Amount, payable to the
NFIP, must accompany the application.

A credit card payment by VISA, MasterCard,
Diner's Club, or American Express will also be
acceptable if a disclaimer form, signed by the
insured, is submitted with the Flood Insurance
Application. The disclaimer will state that
cancellation of a policy due to a billing dispute
will be permitted only for a billing error or fraud.
If the credit card information is taken over the
telephone by the producer, the producer may
sign the authorization form on behalf of the
payor only after having read the disclaimer to
the payor.

XVI. COMPLETING PART 2 OF THE FLOOD
INSURANCE APPLICATION FORM

After completing Part 1 of the Flood Insurance
Application, the producer must complete all
relevant items in Part 2 of the Application for the
following risks:

?     Post-FIRM construction located in Zones
A1-A30, AE, AH, AO, A, V1-V30, VE, and V.

?     Pre-FIRM construction using optional Post-
FIRM rating located in Zones A1-A30, AE,
AH, AO, A, V1-V30, VE, and V.

Part 2 of the Application collects information
about risk factors affecting the building,
occupancy information, and elevation data
relative to the ground level. A completed
Elevation Certificate must be attached to the
Application before sending it to the NFIP.

To complete Part 2 of the Application, the
producer must:

?     Obtain all necessary information from the
applicant. Then select the building diagram
that best illustrates the applicant's building.
These diagrams are shown in the Elevation
Certificate and Instructions, which are
reproduced in the Special Certifications
section of this manual.
?     Transcribe the information from the
applicant and Elevation Certificate onto Part
2 of the Application. For renewal applica-
tions, enter the policy number in the space
at the top of the form. Be sure to have the
applicant or the applicant's representative
sign and date the bottom of the form.

The applicant or the applicant's representative
must complete all numbered sections of the
form, check all appropriate boxes, provide all
information, and respond to all YES/NO
questions that are applicable to the building.
(For example, Section II should be completed
only for Elevated Buildings.)

     SECTION I—ALL BUILDING TYPES

1.    The number of the building diagram
selected is entered here. Use the diagrams
shown at the end of the Elevation
Certificate and Instructions.

2.-4.The agent may obtain the requested
elevation information from Section C of the
Elevation Certificate, or the applicant or the
applicant's representative may provide this
information. If the applicant or the
applicant's representative furnishes these
measurements, they must be taken with a
ruler or tape measure. All measurements
are rounded to the nearest foot using the
ground (grade) immediately next to the
building.

      NOTE: The terms "grade" and "ground" are
used interchangeably. The intent is
that man-made alterations of the
grade, such as a declining driveway
into a building or a dugout entrance
to a basement, do not represent
ground level.
5.    If "OTHER" is checked in Question 5b, a
brief description of the source must be
provided.

6.    If the answer to Question 6a is NO,
Question 6b should be disregarded.

7.    If the answer to Question 7a is NO,
Questions 7b, 7c, 7d, and 7e should be
ignored.

     SECTION II—ELEVATED BUILDINGS

If the building is a manufactured (mobile)
home/travel trailer that has been elevated,
complete this section in addition to Sections I
and III.
8.    Check the type of foundation used for the
building.

9.    If YES is checked, check the appropriate
item(s).

10.   Refer to page LFG 1 to verify that the area
below the elevated floor satisfies the
definition of an enclosed area.

      If Question 10a is NO, do not answer
Questions 10b through 10f.

      In Question 10b, enter the size of the area
in square feet.

      If Question 10c is YES, check the single
most appropriate of boxes 1-4.

In Question 10d, check YES if the area is
constructed with openings (excluding
doors), within 1 foot of adjacent grade, to
allow the passage of flood waters. Enter
the number of openings and their total area
in square inches.

      If Question 10e is YES, provide a
description.

      In Question 10f, check YES if the enclosed
area has more than 20 linear feet of
finished wall, paneling, etc.; otherwise,
check NO.

     SECTION III—MANUFACTURED (MOBILE)
     HOMES/TRAVEL TRAILERS
11.        Fill in the make, year of manufacture,
model number, and serial number.

12.        Enter the dimensions, excluding any
permanent addition or extension to the
manufactured (mobile) home or travel
trailer.

13.        Check YES if permanent additions or
extensions are present; otherwise, check
NO. If YES, enter dimensions.

14.        If OTHER is checked, describe the
anchoring system.

15.        Check the appropriate box for how the
manufactured (mobile) home was installed.

16.   Check YES if the manufactured (mobile)
home is located in a manufactured (mobile)
home park or subdivision; otherwise, check
NO.
XVII. MAILING INSTRUCTIONS

After completing all sections on the Application,
attach all required certifications or other
documents to the applicant's check, draft, or
money order, payable to the NFIP for the Total
Prepaid Amount.

A credit card payment by VISA, MasterCard,
Diner's Club, or American Express will also be
acceptable if a disclaimer form, signed by the
insured, is submitted with the Flood Insurance
Application. The disclaimer will state that
cancellation of a policy due to a billing dispute
will be permitted only for a billing error or fraud.
If the credit card information is taken over the
telephone by the producer, the producer may
sign the authorization form on behalf of the
payor only after having read the disclaimer to
the payor.

Mail the original copy of the Application with the
Total Prepaid Amount to the NFIP. Distribute
copies of the Application to the agency file, the
applicant, and the mortgagee. A copy of the
Application and a copy of the premium payment
are sufficient to satisfy the mortgagee's proof-of-
purchase requirements.

After receipt of the Application and total prepaid
amount, the NFIP will process the Application
and issue the policy. The policy contract and
declarations page will be mailed to the insured.
Copies of the declaration page will be mailed to
the producer and mortgagee(s).



XVIII.     HANDLING OF INCOMPLETE OR
INCORRECT APPLICATIONS

If an Application is not complete, or if the
information presented on the Application is not
correct, the Application will not be processed but
will be placed in a pending file until the
completed or corrected information is provided
by the producer. For the NFIP direct business, if
the missing information is not provided, a policy
will be issued using Tentative Rates. If
insufficient information is available to tentatively
rate the policy, the flood insurance will be
rejected and the premium remittance refunded.

For NFIP direct business, in the case of incom-
plete applications, the NFIP Servicing Agent will
send the producer a transmittal document and a
letter requesting the incomplete or missing
information. Copies of this letter will be provided
to the named insured and mortgagee(s). The
producer should provide the additional or
corrected information to the NFIP Servicing
Agent along with the transmittal document.

Since coverage cannot be conferred in excess
of the coverage that can be purchased for the
amount presented (received by the NFIP), it is
important that underpayment errors be corrected
immediately. In the case of an underpayment,
when both building and contents coverage have
been requested, the coverage reduction will be
prorated between building and contents in
accordance with NFIP rules. The ratio of building
to contents coverage for the full requested
coverage will be used to determine the portion of
the submitted premium available to purchase
building and contents coverage.




RATING
This section contains information, including rate
tables, required to accurately rate a flood
insurance policy. Information and rates for the
Preferred Risk Policy (PRP) and Residential
Condominium Building Association Policy
(RCBAP) are found in their respective sections.

The detailed drawings, and
accompanying text and tables,
in the Lowest Floor Guide
section are to be used as a
guide for identifying the
lowest floor for rating
buildings. This guide will
assist in developing the
proper rate for the building.


Examples of some rating
situations are shown on pages
RATE 47 through RATE 61.

A premium table for single family Pre-FIRM
buildings located in Special Flood Hazard Areas
(SFHAs) is located on page RATE 11. These
premiums were calculated using Rate Table 2.
This premium table is included in this manual to
help the agent more easily quote premiums for
buildings that do not require elevation
certification.




XIX.   AMOUNT OF INSURANCE AVAILABLE



REGULAR PROGRAM


EMERGENCY
PROGRAM
Basic
Insurance
Limits
Additional
Insurance
Limits
Total
Insurance
Limits
BUILDING COVERAGE

Single Family Dwelling
2-4 Family Dwelling
Other Residential
Non-Residential



     $ 35,000 *
     $ 35,000 *
     $100,000**
     $100,000**


$ 50,000
$ 50,000
$150,000
$150,000


$200,000
$200,000
$100,000
$350,000


$250,000
$250,000
$250,000
$500,000

CONTENTS COVERAGE

Residential
Non-Residential




     $ 10,000
     $100,000



$ 20,000
$130,000



$ 80,000
$370,000
$100,000
$500,000

       *   In Alaska, Guam, Hawaii, and U.S. Virgin Islands, the amount
available is $50,000.
      **   In Alaska, Guam, Hawaii, and U.S. Virgin Islands, the amount
available is $150,000.

      NOTE: For RCBAP, refer to CONDO Section for basic insurance limits
and maximum
      coverage available.



XX.   RATE TABLES



Rate tables are provided for the Emergency
Program and for the Regular Program according
to Pre-FIRM, Post-FIRM, and zone
classifications. Tables 1-5 show annual rates per



$100 of coverage. Table 6 provides
precalculated Pre-FIRM premiums for various
coverage limits. See Table 7 for Federal Policy
Fee and Probation Surcharge.




TABLE 1. EMERGENCY PROGRAM RATES
ANNUAL RATES PER $100 OF COVERAGE
(Basic/Additional)
Building

Contents




Residential

.76

  .96




Non-Residential

.83

1.62




TABLE 2. REGULAR PROGRAM -- PRE-FIRM CONSTRUCTION RATES1
ANNUAL RATES PER $100 OF COVERAGE
(Basic/Additional)
FIRM ZONES A, AE, A1-A30, AO, AH, D
OCCUPANCY
Single Family
2-4 Family
Other Residential
Non-Residential


Building
Contents
Building
Contents
Building
Content
s
Building
Content
s
No
Basement/Enclosure
.76 / .34
.96 / .60
.76 / .34

.76 / .70

.83 / .60


With Basement
.81 / .50
.96 / .50
.81 / .50

.76 / .58

.88 / .58


With Enclosure
.81 / .60
.96 / .60
.81 / .60

.81 / .74

.88 / .74


Manufactured (Mobile)
Home2
.76 / .34
.96 / .60




.83 / .60


Basement & Above



.96 / .50

.96 / .50

1.62 /
1.00
Enclosure & Above



.96 / .60

.96 / .60

1.62 /
1.20

Lowest Floor Only -
Above
Ground Level



.96 / .60

.96 / .60

1.62 /
.51

Lowest Floor Above
Ground
Level and Higher Floors



.96 / .41

.96 / .41

1.62 /
.51

Above Ground Level -
More
than One Full Floor



.35 / .12

.35 / .12

.24 / .12

Manufactured (Mobile)
Home2
1.62 /
.51




FIRM ZONES V, VE, V1-V30
OCCUPANCY
Single Family
2-4 Family
Other Residential
Non-Residential


Building
Contents
Building
Contents
Building
Content
s
Building
Content
s

No
Basement/Enclosure
.99 / .88
1.23 /
1.58
.99 / .88

.99 / 1.66

1.10 /
1.66


With   Basement
1.06   /
1.34
1.23   /
1.33
1.06   /
1.34

1.06 /
2.49

1.16 /
2.49


With   Enclosure
1.06   /
1.58
1.23   /
1.58
1.06   /
1.58

1.06 /
2.79

1.16 /
2.79


Manufactured (Mobile)
Home2
.99 /
4.18
1.23 /
1.58




1.10 /
7.03


Basement & Above



1.23 /
1.33

1.23 /
1.33

2.14 /
2.95

Enclosure & Above
1.23 /
1.58

1.23 /
1.58

2.14 /
3.21

Lowest Floor Only -
Above
Ground Level



1.23 /
1.58

1.23 /
1.58

2.14 /
2.67

Lowest Floor Above
Ground
Level and Higher Floors



1.23 /
1.39

1.23 /
1.39

2.14 /
2.28

Above Ground Level -
More
than One Full Floor



.47 / .29

.47 / .29

.45 / .39

Manufactured (Mobile)
Home2
2.14 /
6.53




FIRM ZONES A99, B, C, X
OCCUPANCY
Single Family
2-4 Family
Other Residential
Non-Residential


Building
Contents
Building
Contents
Building
Content
s
Building
Content
s

No
Basement/Enclosure
.64 / .14
.99 / .25
.64 / .14

.57 / .14

.57 / .14


With Basement
.73 / .20
1.12 /
.35
.73 / .20
.78 / .20

.78 / .20


With Enclosure
.73 / .23
1.12 /
.40
.73 / .23

.78 / .23

.78 / .23


Manufactured (Mobile)
Home2
.64 / .31
.99 / .25




.78 / .29


Basement & Above



1.26 / .46

1.26 /
.46

1.30 /
.48

Enclosure & Above



1.26 / .53

1.26 /
.53

1.30 /
.53

Lowest Floor Only -
Above
Ground Level



.99 / .48

.99 / .48

.80 / .29

Lowest Floor Above
Ground
Level and Higher Floors



.99 / .25

.99 / .25

.80 / .25

Above Ground Level -
More
than One Full Floor



.35 / .12

.35 / .12

.22 / .12

Manufactured (Mobile)
Home2




.70 / .43

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 The definition of Manufactured (Mobile) Home includes travel trailers.
See page APP 3.
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

No Basement/Enclosure
.64 / .14
.99 / .25
.64 / .14

.57 / .14

.57 / .14


With Basement
.73 / .20
1.12 / .35
.73 / .20

.78 / .20

.78 / .20


With Enclosure
.73 / .23
1.12 / .40
.73 / .23

.78 / .23

.78 / .23


Manufactured (Mobile)
Home1
.64 / .31
.99 / .25




.78 / .29


Basement & Above



1.26 / .46

1.26 / .46

1.30 / .48

Enclosure & Above



1.26 / .53

1.26 / .53

1.30 / .53

Lowest Floor Only -
Above
Ground Level



.99 / .48

.99 / .48

.80 / .29

Lowest Floor Above
Ground
Level and Higher Floors
.99 / .25

.99 / .25

.80 / .25

Above Ground Level -
More
than One Full Floor



.35 / .12

.35 / .12

.22 / .12

Manufactured (Mobile)
Home1




.70 / .43




FIRM ZONE D
OCCUPANCY
Single Family
2-4 Family
Other Residential
Non-Residential


Building
Contents
Building
Contents
Building
Contents
Building
Contents

No Basement/Enclosure
.84 / .32
.96 / .57
.84 / .32

.91 / .57

.91 / .57


With Basement
***
***
***

***

***


With Enclosure
***
***
***

***

***


Manufactured (Mobile)
Home1
1.10 / .62
1.09 / .66




2.07 / .77


Basement & Above



***

***

***
Enclosure & Above



***

***

***

Lowest Floor Only -
Above
Ground Level



.96 / .57

.96 / .57

1.62 / .52

Lowest Floor Above
Ground
Level and Higher Floors



.96 / .39

.96 / .39

1.62 / .49

Above Ground Level -
More
than One Full Floor



.35 / .12

.35 / .12

.24 / .12

Manufactured (Mobile)
Home1
1.62 / .52




FIRM ZONES AO, AH   ("No Basement" Buildings Only)2




Building
Contents
OCCUPANCY




1-4
Family
Other
Res &
Non-Res
Residenti
al
Non-
Residenti
al
With Certification of Compliance3



.25 / .06
.21 / .06
.34 / .11
.21 / .11
Without Certification of Compliance or Elevation
Certificate4


.77 / .17
.84 / .30
.97 / .20
1.63 / .25
1     The definition of Manufactured (Mobile) Home includes travel
trailers. See page APP 3.
2     Zones AO, AH Buildings With Basement/Enclosure: 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.
*** 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



One Floor, No
Basement/Encl




Elevation of
Lowest Floor
Above or
Below BFE1
1-4 Family
Other
Residential
& Non-
Residential
1-4 Family
Other
Residential
& Non-
Residential
1-4 Family
Other
Residential
& Non-
Residential
Single
Family
Non-
Residential
+4
.24 / .08
.20 / .08
.24 / .08
.20 / .08
.24/ .08
.20 / .08
.24 / .08
.20 / .08


+3
.24   /   .08
.20   /   .08
.24   /   .08
.20   /   .08
.24   /   .08
.20   /   .08
.25   /   .08
.22   /   .08


+2
.32   /   .08
.26   /   .08
.24   /   .08
.20   /   .08
.24   /   .08
.20   /   .08
.31   /   .08
.25   /   .08


+1
.59   /   .08
.45   /   .10
.38   /   .08
.28   /   .08
.29   /   .08
.22   /   .08
.73   /   .09
.72   /   .08


 0
1.08./ .08
.97 / .20
.77 / .08
.59 / .16
.56 / .08
.50 / .16
1.67 / .09
1.62 / .08


 -13
2.70   /   1.00
3.85   /   1.35
2.40   /   .90
3.00   /   .69
1.35   /   .52
1.46   /   .74
***
***


-2
***
***
***
***
***
***
***
***




FIRM ZONES        AE, A1-A30   --   CONTENTS RATES




Elevation of
Lowest Floor




Above or
Below BFE1
Residential
Non-
Residential
Residential
Non-
Residential
Residential
Non-
Residential
Single
Family
Non-
Residential


+4
.38   /   .12
.22   /   .12
.38   /   .12
.22   /   .12
.38   /   .12
.22   /   .12
.38   /   .12
.22   /   .12


+3
.38   /   .12
.23   /   .12
.38   /   .12
.22   /   .12
.38   /   .12
.22   /   .12
.38   /   .12
.22   /   .12


+2
.38   /   .12
.24   /   .12
.38   /   .12
.24   /   .12
.38   /   .12
.22   /   .12
.38   /   .12
.31   /   .14


+1
.59   /   .12
.33   /   .18
.41   /   .12
.28   /   .12
.38   /   .12
.22   /   .12
.59   /   .12
.48   /   .20


 0
1.10 / .12
.68 / .45
.72 / .12
.48 / .27
.40 / .12
.29 / .12
1.21 / .12
1.01 / .64


 -13
3.01 / .75
1.94 / 1.26
1.78 / .58
1.37 / .77
.48 / .12
1.06 / .12
***
***


-2
***
***
***
***
***
***
***
***




FIRM ZONES      AE, A1-A30   --   CONTENTS RATES




Elevation of
Above Ground Level


Lowest Floor
More than One Full Floor


Above or
Below BFE1
Single Family
2-4 Family
Other Residential
Non-Residential


+4


.35 / .12
.35 / .12
.22 / .12


+3


.35 / .12
.35 / .12
.22 / .12


+2


.35 / .12
.35 / .12
.22 / .12


+1


.35 / .12
.35 / .12
.22 / .12


 0


.35 / .12
.35 / .12
.22 / .12


-1
.35 / .12
.35 / .12
.22 / .12


-2


.35 / .12
.37 / .12
.24 / .12


1   If Lowest Floor is –1 because of attached garage, submit application
for special consideration. Rate may be lower.
2    The definition of Manufactured (Mobile) Home includes travel
trailers. See page APP 3.
3   Use Submit-for-Rate guidelines if the enclosure below the lowest
elevated floor of an elevated building or if the
crawl

    space (under-floor space) that has its interior floor within 2 feet
below grade on all sides, which is used for rating,
is 1 or
        more feet below BFE.
*** SUBMIT FOR RATING


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




UNNUMBERED ZONE A   -- WITHOUT BASEMENT/ENCLOSURE1


BUILDING RATES
CONTENTS RATES



Occupancy
Occupancy


Elevation
Difference to
nearest foot
1-4 Family

Other & Non-
Residential

Residential2

Non-
Residential2

TYPE OF ELEVATION
CERTIFICATE

+5    or more
.36   / .10
.48   / .15
.62   / .12
.65   / .12


+2    to +4
.80   / .12
.83   / .20
.82   / .17
.89   / .23
NO    ESTIMATED

+1
1.56 / .56
1.76 / .75
1.40 / .63
1.33 / .72
BASE FLOOD
ELEVATION3

0 or    below
***
***
***
***


+2    or more
.32   / .08
.34   / .09
.50   / .12
.49   / .12


0 to +1
.77 / .10
.67 / .17
.72 / .15
.76 / .21
WITH THE    ESTIMATED

-1
2.50 / .93
3.17 / 1.02
2.08 / .67
1.84 / 1.02
BASE FLOOD
ELEVATION4

-2 or   below
***
***
***
***


No Elevation
Certificate

2.93 / 1.20

3.96 / 1.70

2.61 / 1.00

2.74 / 1.35

No Elevation Certificate




1   Zone A building with basement (including crawl space below grade on
all sides) or enclosure -- Submit
for Rating.
2   For elevation rated risks other than Single Family, when contents are
located one floor or more above
lowest floor used
    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.

***   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



One Floor, No
Basement/Encl
More than One Floor,
No Basement/Encl
More than One Floor,
With Basement/Encl
Manufactured
(Mobile)
Home2


Elevation of
Lowest Floor
Above or
Below BFE
1-4 Family
Other
Residential
& Non-
Residential
1-4 Family
Other
Residential
& Non-
Residential
1-4 Family
Other
Residential
& Non-
Residential
Single
Family
Non-
Residenti
al


  03
1.90   /   .34
2.30   /   .89
1.53   /   .34
1.66   /   .83
1.33   /   .34
1.49   /   .67
2.84   /   .28
4.07   /   .25


 -14
4.06   /   2.08
6.05   /   3.33
3.72   /   2.08
5.22   /   2.53
2.63   /   1.88
2.75   /   2.57
***
***


-2
***
***
***
***
***
***
***
***




FIRM ZONES '75-81,   V1-V30, VE   --   CONTENTS RATES




Elevation of

Lowest Floor Only --
Above Ground Level
(No Basement/Encl.)
Lowest Floor
Above Ground Level
& Higher Floors (No
Basement/Encl.)

More than One
Floor With
Basement/Enclosure

Manufactured
(Mobile)
Home2


Lowest Floor
Above or
Below BFE
Residential
Non-
Residential
Residential
Non-
Residential
Residential
Non-
Residential
Single
Family
Non-
Residenti
al


 03
2.94   /   .41
2.60   /   1.91
1.92   /   .45
1.82   /   1.13
1.08   /   .50
1.08   /   .50
2.83   /   .45
2.95   /
2.43


 -14
6.47   /   3.14
6.35   /   5.53
3.82   /   2.43
4.35   /   3.45
1.27   /   .50
3.88   /   .50
***
***


-2
***
***
***
***
***
***
***
***




FIRM ZONES '75-81,   V1-V30, VE   --   CONTENTS RATES
Elevation of
Above Ground Level


Lowest Floor
More than One Full Floor


Above or
Below BFE
Single Family
2-4 Family
Other Residential
Non-Residential


 03


.55 / .25
.55 / .25
.42 / .25


 -14


.55 / .25
.55 / .25
.42 / .25


-2


.55 / .25
.55 / .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.
*** SUBMIT FOR RATING




FIRM ZONES '75-'81, UNNUMBERED V ZONE
SUBMIT FOR RATING




TABLE 3E. REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES
ANNUAL RATES PER $100 OF COVERAGE




1981 POST-FIRM V1-V30, VE ZONE RATES1
Elevation of the
lowest floor
above or below
BFE adjusted
for
wave height2
Elevated Buildings Free of Obstruction3




Contents

Building




Residential

Non-Residential
Replacement
Cost Ratio .75 or
More4
Replacement
Cost Ratio .50 to
.744
Replacement
Cost Ratio Under
.504




+4 or more
.30
.30
.50
.67
1.00
+3
.30
.30
.60
.80
1.20




+2
.42
.44
.75
1.00
1.50




+1
.73
.78
1.08
1.44
2.02




 0
1.12
1.20
1.39
1.86
2.61




-1
1.62
1.68
1.83
2.42
3.14
-2
2.26
2.38
2.41
3.16
4.03




-3
3.10
3.30
3.10
4.15
5.26




-4 or below
***
***
***
***
***




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.
2Wave height adjustment is not required in those cases where the Flood
Insurance Rate Map indicates
that the map includes wave height.
3Free of Obstruction—The space below the lowest elevated floor must be
completely free of obstructions
or any attachment to the building, or may have:
(1) Insect screening, provided that no additional supports are required
for the screening; or
(2) Wooden or plastic lattice with at least 40 percent of its area open
and made of material no thicker
than ½ inch; or
(3) Wooden or plastic slats or shutters with at least 40 percent of their
area open and made of material
no thicker than 1 inch.
Any of these systems must be designed and installed to collapse under
stress without jeopardizing the
structural support of the building, so that the impact on the building of
abnormally high tides or wind-
driven water is minimized. Any machinery or equipment below the lowest
elevated floor must be at or
above the BFE.
4These percentages represent building replacement cost ratios, which are
determined by dividing the
amount of building coverage being purchased by the replacement cost. See
page RATE 20 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 height3
Elevated Buildings With Obstruction4



Contents

Building



Residential

Non-Residential
Replacement
Cost
Ratio .75 or
More5
Replacement
Cost
Ratio .50 to .745
Replacement
Cost
Ratio Under .505

+4 or more
.40
.40
1.10
1.48
2.20

+3
.40
.40
1.22
1.61
2.45

+2
.50
.50
1.38
1.80
2.75

+1
.85
.90
1.60
2.15
3.10

 0
1.21
1.28
1.88
2.58
3.50

-16
1.68
1.78
2.24
2.97
4.00

-26
2.33
2.48
2.79
3.66
4.75

-36
3.18
3.38
3.58
4.66
6.00

-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.
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
page RATE 20 for more
details.
6 For buildings with obstruction, use Submit-for-Rate guidelines if the
enclosure below the lowest
elevated floor of an elevated building, which is used for rating, is 1 or
more feet below BFE.


 ***   SUBMIT FOR RATING

1981 POST-FIRM UNNUMBERED V ZONE
SUBMIT FOR RATING




TABLE 4. REGULAR PROGRAM -- FIRM ZONE AR AND AR DUAL ZONES RATES
ANNUAL RATES PER $100 OF COVERAGE
(Basic/Additional)

PRE-FIRM NOT ELEVATION-RATED RATES1, 2
OCCUPANCY
Single Family
2-4 Family
Other Residential
Non-Residential


Building
Contents
Building
Contents
Building
Contents
Building
Conten
ts
B
UI
L
DI
N
G
T
Y
P
E
No Basement/Enclosure
.64 / .14
.99 / .25
.64 / .14

.57 / .14
.57 / .14


With Basement
.73 / .20
1.12 /
.35
.73 / .20

.78 / .20

.78 / .20


With Enclosure
.73 / .23
1.12 /
.40
.73 / .23

.78 / .23

.78 / .23


Manufactured (Mobile)
Home3
.64 / .31
.99 / .25




.78 / .29

C
O
N
T
E
N
T
S

L
O
C
A
T
I
O
N
Basement & Above
1.26 /
.46

1.26 / .46

1.30 /
.48

Enclosure & Above



1.26 /
.53

1.26 / .53

1.30 /
.53

Lowest Floor Only - Above
Ground Level



.99 / .48

.99 / .48

.80 /
.29

Lowest Floor Above
Ground
Level and Higher Floors



.99 / .25

.99 / .25

.80 /
.25

Above Ground Level -
More
than One Full Floor



.35 / .12
.35 / .12

.22 /
.12

Manufactured (Mobile)
Home3




.70 /
.43




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 $1,000.
3   The definition of Manufactured (Mobile) Home includes travel
trailers. See Page APP 3.

POST-FIRM NOT ELEVATION-RATED RATES1
OCCUPANCY
Single Family
2-4 Family
Other Residential
Non-Residential


Building
Contents
Building
Contents
Building
Contents
Building
Conten
ts
B
UI
L
DI
N
G
T
Y
P
E
No Basement/Enclosure
.64 / .14
.99 / .25
.64 / .14

.57 / .14

.57 / .14


With Basement
.73 / .20
1.12 /
.35
.73 / .20

.78 / .20

.78 / .20


With Enclosure
.73 / .23
1.12 /
.40
.73 / .23

.78 / .23

.78 / .23


Manufactured (Mobile)
Home2
.64 / .31
.99 / .25




.78 / .29

C
O
N
T
E
N
T
S

L
O
C
A
T
I
O
N
Basement & Above



1.26 /
.46

1.26 / .46

1.30 /
.48

Enclosure & Above



1.26 /
.53

1.26 / .53

1.30 /
.53

Lowest Floor Only - Above
Ground Level



.99 / .48

.99 / .48

.80 /
.29

Lowest Floor Above
Ground
Level and Higher Floors
.99 / .25

.99 / .25

.80 /
.25

Above Ground Level -
More
than One Full Floor



.35 / .12

.35 / .12

.22 /
.12

Manufactured (Mobile)
Home2




.70 /
.43




1   Base Deductible is $500.
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



One Floor, No
Basement/Encl




Elevation of
Lowest Floor
Above or
Below BFE
1-4 Family
Other
Residential
& Non-
Residential
1-4 Family
Other
Residential
& Non-
Residential
1-4 Family
Other
Residential
& Non-
Residential
Single
Family
Non-
Residential


+4
.24   /   .08
.20   /   .08
.24   /   .08
.20   /   .08
.24   /   .08
.20   /   .08
.24   /   .08
.20   /   .08


+3
.24   /   .08
.20   /   .08
.24   /   .08
.20   /   .08
.24   /   .08
.20   /   .08
.25   /   .08
.22   /   .08


+2
.32   /   .08
.26   /   .08
.24   /   .08
.20   /   .08
.24   /   .08
.20   /   .08
.31   /   .08
.25   /   .08


+1
.59   /   .08
.45   /   .10
.38   /   .08
.28   /   .08
.29   /   .08
.22   /   .08
.64   /   .09
.72   /   .08


 0
.64   /   .14
.57   /   .14
.77   /   .08
.57   /   .14
.56   /   .08
.50   /   .16
.64   /   .31
.78   /   .29


 -12
See Footnote2
***
***
***
***
***
***
***
FIRM ZONES AR and AR Dual Zones   --   CONTENTS RATES




Elevation of
Lowest Floor




Above or
Below BFE
Residential
Non-
Residential
Residential
Non-
Residential
Residential
Non-
Residential
Single
Family
Non-
Residential


+4
.38   /   .12
.22   /   .12
.38   /   .12
.22   /   .12
.38   /   .12
.22   /   .12
.38   /   .12
.22   /   .12
+3
.38   /   .12
.23   /   .12
.38   /   .12
.22   /   .12
.38   /   .12
.22   /   .12
.38   /   .12
.22   /   .12


+2
.38   /   .12
.24   /   .12
.38   /   .12
.24   /   .12
.38   /   .12
.22   /   .12
.38   /   .12
.31   /   .14


+1
.59   /   .12
.33   /   .18
.41   /   .12
.28   /   .12
.38   /   .12
.22   /   .12
.59   /   .12
.48   /   .20


 0
1.10 / .12
.80 / .29
.72 / .12
.48 / .27
.40 / .12
.29 / .12
.99 / .25
.70 / .43


-12
See Footnote2
***
***
***
***
***
***
***




FIRM ZONES AR and AR Dual Zones   --   CONTENTS RATES




Elevation of
Above Ground Level


Lowest Floor
Above or
More than One Full Floor


Below BFE
Single Family
2-4 Family
Other Residential
Non-Residential


+4


.35 / .12
.35 / .12
.22 / .12


+3


.35 / .12
.35 / .12
.22 / .12


+2


.35 / .12
.35 / .12
.22 / .12


+1
.35 / .12
.35 / .12
.22 / .12


 0


.35 / .12
.35 / .12
.22 / .12


-13


.35 / .12
.35 / .12
.22 / .12


-23


.35 / .12
.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.


The definition of Manufactured (Mobile) Home includes travel trailers.
See page APP 3.




TABLE 6.
PRECALCULATED PRE-FIRM PREMIUM TABLE


AMOUNT OF
INSURANCE

PREMIUM1 EXCLUDING ICC2
AND FEDERAL POLICY FEE3
A, AE, A1-A30, AH, AO, D
V, VE, V1-V30

w/bsmt
w/o bsmt
w/bsmt
w/o bsmt
BUILDING




      $ 20,000
$   162
$   152
$   212
$   198
      $ 30,000
$   243
$   228
$   318
$   297
      $ 40,000
$   324
$   304
$   424
$   396
      $ 50,000
$   405
$   380
$   530
$   495
      $ 60,000
$   455
$   414
$   664
$   583
      $ 70,000
$   505
$   448
$   798
$   671
      $ 80,000
$   555
$   482
$   932
$   759
      $ 90,000
$   605
$   516
$1,066
$   847
      $100,000
$   655
$   550
$1,200
$   935
      $125,000
$   780
$   635
$1,535
$1,155
      $150,000
$   905
$   720
$1,870
$1,375
      $175,000
$1,030
$   805
$2,205
$1,595
      $200,000
$1,155
$   890
$2,540
$1,815
      $225,000
$1,280
$   975
$2,875
$2,035
      $250,0004
$1,405
$1,060
$3,210
$2,255
CONTENTS




         $    5,000
$   48
$   48
$        62
$        62
         $ 10,000
$  96
$  96
$    123
$    123
       $     15,000
$144
$144
$    185
$    185
       $ 20,000
$192
$192
$    246
$    246
       $ 25,000
$217
$222
$    313
$    325
       $ 30,000
$242
$252
$    379
$    404
       $ 40,000
$292
$312
$    512
$    562
       $ 50,000
$342
$372
$    645
$    720
       $ 60,000
$392
$432
$    778
$    878
       $ 70,000
$442
$492
$    911
$1,036
       $ 80,000
$492
$552
$1,044
$1,194
       $ 90,000
$542
$612
$1,177
$1,352
       $100,000
$592
$672
$1,310
$1,510

1     Premium before applying any CRS credits or optional deductible
factors.
2     For building coverage amounts of $230,000 and less, add $75 to the
building premium
      selected from the table above to cover ICC cost, except for D
zones. For
D zones add $6.
      For building coverage amounts above $230,000, see Footnote 4 below.
3     Add $30 to the premium selected from the table above to cover
Federal Policy Fee.
4     Add $60 to cover the ICC cost for the $250,000 building limit,
except for D zones.
      For D zones add $4.




TABLE 7. FEDERAL POLICY FEE AND PROBATION SURCHARGE TABLE

FEDERAL POLICY FEE1
PROBATION
SURCHARGE



$30

$50

1      For the Preferred Risk Policy, the Federal Policy Fee is $11.00.




XXI.   DEDUCTIBLES

As shown in Table 8A below,
the NFIP standard deductible
is either $500 or $1,000. The
insured may choose a
deductible amount different
from the standard $500 for
Post-FIRM or the standard
$1,000 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.

EE.   Buy-Back Deductibles

Policyholders who wish to
reduce their deductibles from
the standard deductibles of
$1,000 for Pre-FIRM SFHA risks
may opt to


purchase separate $500
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.

FF.   Changes in Deductible Amount

The amount of the deductible
may be increased during the
policy term by submitting a
completed General Change
Endorsement form. The
deductible amount may be
reduced through the submission
of a new Application at the
time of renewal. This
procedure does not require the
completion of the entire Flood
Insurance Application.
Deductibles cannot be reduced
mid-term unless required by
the mortgagee and written
authorization is provided by
the mortgagee. A 30-day
waiting period will be applied
to reduce the deductible.




TABLE 8A. STANDARD DEDUCTIBLES
EMERGENCY
PROGRAM

REGULAR PROGRAM




Flood Zone


Pre-FIRM
Pre-FIRM with
Optional Post-FIRM
Elevation Rating


Post-FIRM

$1,000




B, C, X, A99, D

     $500




     $500



A, AO, AH, A1-A30,
AE,
VO, V1-V30, VE, V,
AR,
AR/AE, AR/AH, AR/AO,
AR/A1-A30, AR/A


     $1,000



     $500
     $500




TABLE 8B. DEDUCTIBLE FACTORS

Single Family and 2-4 Family Building and Contents Policies1,2
Deductible Options:
Building
/Content
s
Post-FIRM
$500 Ded.
Pre-FIRM
$1,000 Ded.
Deductib
le
Options:
Building
/Content
s
Post-FIRM
$500 Ded.
Pre-FIRM
$1,000 Ded.
$   500/    $500
      1.000
1.100
$4,000/$1,000
      .835
      .850
$1,000/    $500
      .975
1.050
$4,000/$2,000
      .810
      .825
$1,000/$1,000
      .960
1.000
$4,000/$3,000
      .785
      .800
$2,000/    $500
      .930
1.000
$4,000/$4,000
      .765
      .775
$2,000/$1,000
      .915
.950
$5,000/    $500
      .810
      .875
$2,000/$2,000
      .890
.925
$5,000/$1,000
      .800
      .825
$3,000/    $500
      .890
.950
$5,000/$2,000
      .785
      .800
$3,000/$1,000
      .875
.900
$5,000/$3,000
      .770
      .780
$3,000/$2,000
      .850
.875
$5,000/$4,000
      .755
      .765
$3,000/$3,000
      .825
.850
$5,000/$5,000
      .740
      .750
$4,000/    $500
      .850
.900




Single Family and 2-4 Family Building Only or Contents Only Policies1,2


Post-FIRM
  Pre-FIRM


Post-FIRM
Pre-FIRM
Building
$500 Ded.
$1,000 Ded.
Contents3
$500 Ded.
$1,000 Ded.
   $500
      1.000
      1.100

   $500
      1.000
      1.150
$1,000
      .960
      1.000

$1,000
      .950
      1.000
$2,000
      .900
      .935

$2,000
      .850
      .900
$3,000
      .850
      .885

$3,000
      .775
      .825
$4,000
      .800
      .835

$4,000
      .700
      .750
$5,000
      .750
      .785

$5,000
      .650
      .675

Other Residential and Non-Residential Policies1,2,4


Discount From

Building Only
Contents Only
Post-FIRM
  Pre-FIRM

Post-FIRM
     Pre-FIRM
Post-
FIRM
   Pre-FIRM
Bldg./Contents
$500 Ded.
$1,000
Ded.
Amoun
t
$500 Ded.
$1,000
Ded.
$500 Ded.
$1,000
Ded.
$500/ $500
       1.000
       1.050
       $500
       1.000
       1.050
       1.000
       1.050
$1,000/$1,000
       .980
       1.000
       $1,000
       .975
       1.000
       .980
       1.000
$2,000/$2,000
       .940
       .960
       $2,000
       .940
       .960
       .950
       .965
$3,000/$3,000
       .910
       .930
       $3,000
       .910
       .925
       .925
       .940
$4,000/$4,000
       .885
      .910
      $4,000
      .880
      .900
      .900
      .915
$5,000/$5,000
      .870
      .890
      $5,000
      .850
      .875
      .875
      .890
$10,000/$10,00
04
      .775
      .800
      $10,00
0
      .750
      .760
      .775
      .800
$15,000/$15,00
04
      .725
      .750
$15,00
0
      .675
      .685
      .700
      .725
$20,000/$20,00
04
      .675
      .700
$20,00
0
      .600
      .610
      .650
      .660
$25,000/$25,00
04
      .625
      .650
$25,00
0
      .550
      .560
      .600
      .610
$50,000/$50,00
04
      .500
      .525
$50,00
0
      .450
      .460
      .525
      .535

1     Deductible factors for the RCBAP are located on page CONDO 22.
2     The ICC premium is not eligible for the deductible discount. First
calculate the deductible discount, then
add in      the ICC premium, for each policy year.
3     Also applies to residential unit contents in Other Residential
building or in multi-unit condominium
building.
4     Deductibles of $10,000 to $50,000 are available only for Non-
Residential Policies.




XXII. 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.




A.    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



Residential
Non-Residential


Building Amount of Insurance
Building Amount of Insurance

       FIRM

Zone
       $1 -
              $230,000
              $230,001 -
              $250,000
       $1 -
             $480,000
             $480,001 -
       $500,000
Post-
FIRM
A, AE, A1-A30, AO, AH
AR, AR DUAL ZONES
POST-'81 V1-V30, VE
'75-'81 V1-V30, VE
A99, B, C, X, D
           $ 6
           $ 6
           $20
           $35
           $ 6
      $ 4
      $ 4
      $14
      $25
      $ 4
      $ 6
      $ 6
     $20
     $35
     $ 6
     $ 4
     $ 4
     $14
     $25
     $ 4
Pre-
FIRM
A, AE, A1-A30, AO, AH
AR, AR DUAL ZONES
V, VE, V1-V30
A99, B, C, X, D
           $75
           $ 6
           $75
           $ 6
      $60
      $ 4
      $60
      $ 4
      $75
      $ 6
      $75
      $ 6
      $60
      $ 4
      $60
      $ 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.
XXIII.     RATING STEPS

2.    Determine the exact location of the building
and/or contents to be insured. IF THE
MAILING ADDRESS DIFFERS FROM THE
PROPERTY ADDRESS, USE THE
PROPERTY ADDRESS ONLY.

3.    Determine if the building is located in an
eligible community.

Not all communities participate in the NFIP.
There is NO COVERAGE available in non-
participating communities. If you are
uncertain, call the NFIP insurer, consult a
local community official, or check the NFIP
Community Status Book online
(http://www.fema.gov/fema/csb.shtm).

4.    Determine the NFIP program phase
(Emergency or Regular) and the community
in which the property is located.

Some communities may be eligible for
premium discounts under the Community
Rating System (CRS). See the CRS Section
for a list of eligible communities, the
corresponding discounts, and an example
showing how to apply the CRS discount.

5.    Determine the location of the contents in the
building.

6.    Determine the date of construction as
described below.

?    Date of Construction—Buildings

      For flood insurance purposes, the date
of construction for buildings under the
NFIP must be determined in order to
establish whether the building is Pre-
FIRM or Post-FIRM construction.

      The start of construction or substantial
improvement for insurance purposes
means the date the building permit was
issued, provided the actual start of
construction, repair, reconstruction, or
improvement was within 180 days of
the permit date.
      For the Coastal Barrier Resources
System, the start of construction or
substantial improvement, for insurance
purposes, must be determined in
accordance with the documentation
requirements set forth by the Coastal


Barrier Resources Act (CBRA). (See
the Coastal Barrier Resources System
Section.)

?     Date of Construction—Manufactured
(Mobile) Homes/Travel Trailers

      The date of construction for a
manufactured (mobile) home is
different from a standard building and
depends upon the location of the
manufactured (mobile) home.

      For manufactured (mobile) homes
located in manufactured (mobile) home
parks or subdivisions, the date of
construction is the date facilities were
constructed for servicing the
manufactured (mobile) home site, or
the date of the permit, provided that
construction began within 180 days of
the permit date. This rule applies to all
manufactured (mobile) homes even if
the manufactured (mobile) home is
rated and classified as single family.

      For manufactured (mobile) homes not
located in manufactured (mobile) home
parks or subdivisions, but located on
individually owned lots or tracts of land,
the date of construction is the date the
manufactured (mobile) home was
permanently affixed to the site or the
permit date if affixed to the site within
180 days of the date of permit.

?    Pre-FIRM Construction

For the purpose of determining
insurance rates, buildings for
which the start of construction or
substantial improvement was on
or before December 31, 1974, or
before the effective date of the
initial FIRM for the community,
are considered Pre-FIRM
construction. However, for
insurance purposes,
manufactured (mobile) homes
that are located or placed in
existing manufactured (mobile)
home parks or subdivisions, or
expansions to existing
manufactured (mobile) home
parks or subdivisions, are
considered Pre-FIRM.

      All historic buildings are considered
Pre-FIRM as long as the building meets
the definition of a historic building. (See
the Definitions Section.)


      Pre-FIRM buildings that are
substantially improved may continue
being rated as Pre-FIRM if certain
conditions are satisfied. Pre-FIRM
rating is applicable ONLY when ALL of
the following conditions are met:

-    The building must be Pre-FIRM.

-     The substantial improvement must be
an ADDITION to the building. (This
condition excludes substantial
improvements made as interior
remodeling or repair projects.)

-     The ADDITION and extension must
be next to and in contact with the
existing building. (This condition
does not apply to substantial
improvements consisting of the
construction of additional floors.)

-     An Elevation Certificate must be
submitted to the NFIP Underwriting
Unit with the application or renewal.
The Elevation Certificate must verify
that the lowest floor elevation of the
ADDITION is at or above the
applicable base flood elevation in
effect at the time the addition is
started.

If all of the above conditions are satisfied, the
entire building is eligible for Pre-
FIRM rates. (Except for some V-
Zone risks and some manufactured
[mobile] home risks, Post-FIRM
rates provide less costly coverage
and, therefore, the coverage may be
rated using the lower Post-FIRM
rates.) If the above conditions are
not satisfied, the entire building
MUST be rated as Post-FIRM.

?     Post-FIRM Construction

For insurance rating purposes, buildings for which
the start of construction or
substantial improvement was after
December 31, 1974, or on or after
the effective date of the initial FIRM
for the community, whichever is
later, are considered Post-FIRM
construction. This would include all
manufactured (mobile) homes
located in either new


manufactured (mobile) home parks
or subdivisions or outside of existing
manufactured (mobile) home parks
or subdivisions.

XXIV. PREMIUM CALCULATION

GG.   Emergency Program

1.    Determine Occupancy Type:   Residential or
Non-Residential.

2.    Calculate premium using appropriate rates.

3.    Apply appropriate deductible factor if an
Optional Deductible is selected.

4.    Add Federal Policy Fee.

HH.   Regular Program

1.    Determine if the property to be insured is
Pre-FIRM or Post-FIRM. A Pre-FIRM
premium table for standard risk, single family
property is located on page RATE 11.

2.    Determine Zone.

3.    Determine Occupancy: Single Family, 2-4
Family, Other Residential, Non-Residential,
or Manufactured (Mobile) Home.
4.    Determine Building Type (including
basement or enclosure, if any): one floor,
two floors, three or more floors, split level, or
manufactured (mobile) home on foundation.

5.    Determine if building has basement (or
enclosed area below an elevated building):
none, finished, or unfinished.

6.     Determine Elevation Difference.

7.    Calculate premium using the appropriate
rates.

8.    Apply appropriate deductible factor if an
Optional Deductible is selected.

9.    The ICC premium is not subject to
deductible factors. First calculate the
deductible amount, then add in the ICC
premium, for each policy year.


10.    Apply CRS discount, if applicable.

11.   Add $50.00 Probation Surcharge if building
is located in a community on probation.

12.    Add Federal Policy Fee.

XXV.   KEY POINTS FOR RATING

II.    Basic Limits and Additional Limits

For rating purposes in the
Regular Program, separate
rates have been established
for the Basic Limits and the
Additional Limits.

JJ.    Whole Dollars

NFIP accepts premium only in
WHOLE DOLLARS. If the
discount for an optional
deductible does not result in
a whole dollar premium, round
up if 50¢ or more; round down
if less. ALWAYS SUBMIT GROSS
PREMIUM.

KK.   Increased Cost of Compliance (ICC)
Premium
Total Prepaid Amount will
include ICC premium. The ICC
premium is not subject to
deductible factors, but the
CRS discount will apply.

LL.   Federal Policy Fee

A Federal Policy Fee shall be
charged for all new and
renewal policies, including
the Preferred Risk Policy.
This fee is fully earned on
the effective date of the
policy, except as indicated
in the
Cancellation/Nullification
Section. This fee is not
subject to earned commissions
and, as such, is not
considered part of the Total
Prepaid Premium. The Federal
Policy Fee must, however, be
added to the Total Prepaid
Premium in order to figure
the Total Prepaid Amount.

Under the Residential
Condominium Building
Association Policy, the
Federal Policy Fee is based
on the number of units (see
CONDO Section).

MM.   Buildings in More Than One Flood Zone

Buildings, not the land,
located in more than one zone
must be rated using the more
hazardous zone.


This condition applies even
though the portion of the
building located in the more
hazardous zone may not be
covered under the SFIP, such
as a deck.

NN.   Mortgagee on Policy—Higher Deductible
Requested

When a mortgagee is listed on
the policy, their WRITTEN
CONSENT should be secured
before requesting a
deductible higher than the
applicable SFIP deductible.

XXVI. REGULAR PROGRAM, POST-FIRM
ELEVATION-RATED RISKS

OO.   Elevation Difference

The elevation difference is the difference
between the lowest floor used for rating and the
Base Flood Elevation (BFE). The elevation
difference must be determined if the building is
Post-FIRM located in a Special Flood Hazard
Area (SFHA) and within a Regular Program
community.

Refer to the Lowest Floor Guide section for a
guide to determining the lowest floor. Note that,
in Puerto Rico, elevations are based on meters
rather than feet. Before rating the flood
insurance premium, the agent must convert the
meter elevations into feet.

For rating purposes, the elevation difference is
the difference, measured in feet, between the
lowest floor elevation of the building to be rated,
and the BFE for that zone. The elevation
difference can be a number of feet above (+) or
below (-) the BFE.

If the BFE and/or the lowest floor elevation is
shown in tenths (e.g., 10.5'), the agent must
apply the rounding rule to the difference
between the BFE and the lowest-floor-for-rating
elevation. If the difference is negative, the final
figure is rounded up from .5. If the difference is
positive, the final figure is rounded up from .5.
Always round to the higher elevation. For
example, -3' is higher than -3.5' and +4' is higher
than +3.5'.



Rounding Rule Example:

      11' BFE




10.5' LF - 11.0' BFE = -0.5'
Because the difference is negative, it is rounded
up to 0'.

11.5' LF – 11.0' BFE = +0.5'
Because the difference is positive, it is rounded
up to 1.0'.

PP.   Examples

Examples to illustrate how to determine the
elevation difference are provided below.

1.    Zones A1-A30, AE, AR, AR Dual Zones,
Post-'81 V1-V30, VE, and A (With
Estimated BFE)

Lowest Floor Elevation - Base Flood
Elevation (BFE) = Elevation Difference

Examples:

a.    Lowest Floor Elevation (+10') - BFE
(+6') = Elevation Difference of (+4').

b.    Lowest Floor Elevation (+8.3') - BFE
(+6.0') = Elevation Difference of (+2.3');
therefore, (+2.3') is rounded down to
(+2.0').

c.    Lowest Floor Elevation (+12.4') - BFE
(+8.8') = Elevation Difference of (+3.6');
therefore, (+3.6') is rounded up to
(+4.0').

d.    Lowest Floor Elevation (+9.5') - BFE
(+12.0') = Elevation Difference of
(-2.5'); therefore, (-2.5') is rounded
down to (-2').

2.    Zone AH

Lowest Floor Elevation - Base Flood
Elevation (BFE) = Elevation Difference



Examples:

a.    Lowest Floor Elevation (+4') - BFE
(+2') = (+2'); use With Certification of
Compliance rates.

b.    Lowest Floor Elevation (+6') - BFE
(+8') = (-2'); use Without Certification of
Compliance rates.

c.    Lowest Floor Elevation (+4') - BFE
(+4') = (0'); use With Certification of
Compliance rates.

3.   Zone AO

In AO zones, the difference between the
top of the bottom floor and the highest
adjacent grade is the lowest floor elevation
used for rating. If the lowest floor elevation
is equal to or greater than the Base Flood
Depth printed on the FIRM, use With
Certification of Compliance rate. If the
elevation difference is less than the Base
Flood Depth, use Without Certification of
Compliance rates. When no Base Flood
Depth is printed on the FIRM, a depth of 2
feet must be used for rating purposes.

Examples:

a.    Lowest Floor Elevation (distance
between the top of the bottom floor and
the highest adjacent grade) (+5') -
Base Flood Depth (3') = (+2'); use With
Certification of Compliance rates.

b.    Lowest Floor Elevation (0') - Base
Flood Depth (+1') = (-1'); use Without
Certification of Compliance rates.

c.    Lowest Floor Elevation (+2') - (+2') (no
published Base Flood Depth) = (0');
use With Certification of Compliance
rates.

4.   Zone A (With No Estimated BFE)

In Zone A where there is no established
BFE, the difference between the top of the
bottom floor and the highest adjacent grade
is the lowest floor elevation used for rating.

Examples:

a.    Lowest Floor Elevation (distance
between the top of the bottom floor and
the highest adjacent grade) (+3') = (+3')
for rating purposes (use No Estimated
BFE rate table). The top of the bottom
floor is 3' above the highest adjacent
grade.
b.    Lowest Floor Elevation (-2') = (-2') for
rating purposes. The top of the bottom
floor is below the highest adjacent
grade by 2'.

5.    Zones V1-V30, VE Post-FIRM 1975-81

Lowest Floor Elevation - Base Flood
Elevation (BFE) = Elevation Difference

QQ.   Optional Elevation Rating

Pre-FIRM construction, at the option of the
applicant, may be rated using Pre- or Post-FIRM
rating. Once it is determined which rating will
provide a lower premium, a policy may be
endorsed to obtain a lower rate.

XXVII.     PRE-FIRM ELEVATED BUILDING
RATED AT PRE-FIRM RATES

Pre-FIRM elevated buildings with no
enclosures beneath the lowest elevated floor
are to be rated using the No Basement rates.

Pre-FIRM elevated buildings with enclosures
beneath the lowest elevated floor are to be rated
using the With Enclosure rates.

XXVIII.    AR ZONE AND AR DUAL ZONE
RATING

NOTE: AR Dual Zones appear on the FIRM
as AR/AE, AR/AH, AR/AO, AR/A1-
A30, and AR/A.

For Pre-FIRM construction and Post-FIRM non-
elevation rated risks, use the rates provided in
Table 4.

Structures in AR and AR Dual Zones with an
Elevation Certificate may be rated using the
rates provided in Table 5.

XXIX. POST-FIRM AO ZONE RATING

In Zone AO, when the base flood depth number
is not printed on the FIRM, a base flood depth of
2 feet is an acceptable standard unless modified
by community ordinance or state law. The
difference from the top of the lowest floor to the
highest adjacent ground (grade) must be greater
than or equal to 2 feet in order to use the more
favorable With Certification of Compliance rates.
If the difference is less than 2 feet, the Without
Certification of Compliance rates are to be used.


XXX. POST-FIRM RATING OF ELEVATED
BUILDINGS IN ZONES B, C, X, A99,
AND D

Post-FIRM elevated buildings in the above
zones with no enclosures beneath the lowest
elevated floor are to be rated using the No
Basement/Enclosure rates.

Post-FIRM elevated buildings in the above
zones with enclosures beneath the lowest
elevated floor are to be rated using the With
Enclosure rates.

XXXI. REGULAR PROGRAM V ZONE POST-
FIRM CONSTRUCTION

RR.   Rating All V Zone Buildings

For an elevated building
(building on posts, piles, or
piers only) rated without an
enclosure or obstruction, the
Zone V, V1-V30, and VE rates
do not take into
consideration the flood risk
associated with any addition
of a habitable area (finished
or used as living or work
area) below the lowest
elevated floor. Further,
rates do not allow for any
flood risk to the machinery
or equipment used to service
the building located below
the lowest elevated floor.

NOTE: A 1975-81 risk with an unfinished
enclosure under 300 square feet, with
breakaway walls, and without
machinery or equipment, can be rated
without taking into account the
enclosure, but a 1981 Post-FIRM risk
cannot.

SS.   Zones VE and V1-V30—Enclosure Con-
taining Machinery or Equipment Below
BFE
Follow these steps when determining the lowest
floor for rating in Zones VE and V1-V30 where
there is an enclosure containing machinery or
equipment located below the BFE:

?     The bottom of the enclosure slab is the
correct floor for rating. Determine whether
the figure in Item C3.c (bottom of lowest
horizontal structural member) of the
Elevation Certificate reflects the top or the
bottom of the slab.

?     If Item C3.c is equal to or higher than Item
C3.f (lowest adjacent grade), deduct (for 1-4
family residences) 12 inches from the


elevation found in Item C3.c and 18 inches
for buildings other than 1-4 family. This
estimated elevation is the elevation figure
used for rating the flood insurance policy.

If the surveyor has used Item C3.a (top of
bottom floor including basement or enclosure) to
indicate the elevation of the enclosure slab,
then:

?     The bottom of the enclosure slab is the
correct floor for rating. Determine whether
the figure in Item C3.a of the Elevation
Certificate reflects the top or the bottom of
the slab.

?     If Item C3.a is equal to or higher than Item
C3.f, deduct (for 1-4 family residences) 12
inches from the elevation found in Item C3.a
and 18 inches for buildings other than 1-4
family. This estimated elevation is the
elevation figure used for rating the flood
insurance policy.

TT.   1975-81 Post-FIRM V Zone Construction

1975-81 Post-FIRM V-Zone
Construction refers to any V-
Zone Post-FIRM building for
which the start of
construction or substantial
improvement began January 1,
1975, through September 30,
1981.

UU.   1981 Post-FIRM V Zone Construction
1981 Post-FIRM V-Zone
Construction refers to any V
Zone Post-FIRM building for
which (1) the permit
application date for the
construction or substantial
improvement is on or after
October 1, 1981, or (2) the
permit was issued before
October 1, 1981, and the
actual start date of
construction did not begin
within 180 days of the permit
date.

VV.   Elevated Buildings—1981 Post-FIRM V
Zone Construction

1.      Elevated Building Without Obstruction

The area below the lowest elevated floor is
open, with no obstruction, to allow the flow
of floodwaters. Insect screening is permis-
sible. Wooden or plastic lattice, slats, or
shutters are also permissible if at least 40
percent of their area is open. Lattice can be
no thicker than ½ inch; slats or shutters can
be no thicker than 1 inch. Any machinery or
equipment below the lowest elevated floor
must be at or above the BFE. Use the rates
from Table 3E. For unnumbered Zone V,
use Submit-for-Rate guidelines.


2.      Elevated Building With Obstruction

The area below the Elevated Floor is
enclosed, either partially or fully by solid
perimeter foundation walls or breakaway
walls. Use the rates from Table 3F provided
that the enclosure is less than 300 square
feet or contains machinery or equipment
below the BFE. For unnumbered Zone V,
use Submit-for-Rate guidelines.

NOTE:

?     Equipment located below the lowest
elevated floor constitutes an
obstruction.

?     For all non-elevated buildings, elevated
buildings with non-breakaway walls
below their lowest elevated floors, and
elevated buildings with habitable or
finished areas located below their
lowest elevated floors, the submit-for-
rate procedures should be followed.
Producers should be sure to include a
recent photograph or blueprints,
including a site grading plan if ocean
front, a copy of the variance, and an
Elevation Certificate with the
Application form.

?     Any additions during the policy term or
any subsequent policy term that would
change the applicable rates must be
endorsed to the policy. Any additional
premium must be paid by the insured.

3.   Replacement Cost Ratio

The replacement cost ratio is needed to
select the proper rate for insurance on
buildings in 1981 Post-FIRM Construction
V, V1-V30, and VE Zones on or after
October 1, 1981. The estimated building
replacement cost is used in conjunction
with the amount of the building insurance
desired to determine the insurance-to-
replacement-cost ratio.

Replacement cost is defined as the amount
of money required to replace or repair the
insured building in the event of loss or
damage, without a deduction for
depreciation. The replacement cost ratio is
determined by dividing the amount of
building coverage by the replacement cost
of the building.

If the replacement cost of the building
exceeds the maximum statutory building
limit, use the replacement cost, not the
maximum statutory building limit, in


calculating the ratio. For example, if the
building replacement cost is $1,000,000
and the amount of building coverage
requested is the maximum statutory
building limit of $250,000, the rate is .25, so
use the rate listed for "Replacement Cost
Ratio Under .50."

Place the rate in the appropriate box on the
Application and continue with the premium
calculation.

4.    Elevation Information

The lowest floor elevation must be
identified for buildings in Zones V, V1-V30,
and VE. Note that the lowest floor
elevation is measured at the bottom of the
lowest floor beam or slab, whichever is
appropriate.

The BFE, including wave height, must be
identified for any building located in Zones
V1-V30 and VE.

XXXII.     SPECIAL RATING SITUATIONS

WW.   Tentative Rates

Tentative rates are used to
issue policies when producers
fail to provide the required
actuarial rating information.
With tentative rates, a
policy will be generated with
coverage limits based on the
actual premium received.
Tentatively rated policies
cannot be endorsed to
increase coverage limits, or
renewed for another policy
term, until the required
actuarial rating information
and full premium payment are
received.

Tentative rates are generally higher than the
rates published in this manual (ranging from $2
to $10 per $100 of coverage). When tentative
rates are applied, a Declarations Page and a
Tentative Rate Letter will be forwarded to the
policyholder, producer, and mortgagee (if any),
requesting the necessary information so that the
proper rate can be determined.

If a loss occurs on a
tentatively rated property,
payment will be limited by
the amount of coverage that
the initially submitted
premium will purchase using
the correct actuarial rating
information.
XX.   Alternative Rates

When a building is Pre-FIRM
and the FIRM zone is unknown,
an alternative rating
procedure can be used only if
the building is located in a
community that does not have
any V Zones. In these cases,
the NFIP will presume that
the building is located in a
Special Flood Hazard Area,
and the FIRM zone should be
shown as Zone AA. AA is not a
valid flood zone designation;
rather, it is a rating method
used when the flood zone is
unknown. The rates for FIRM
Zone A for Pre-FIRM
properties should then be
used to compute the premium.

The alternative rating procedure is also used by
the NFIP for renewal of policies in communities
that have converted from the Emergency
Program to the Regular Program during a
policy's term. Again, this procedure can be used
only when the community has no V Zones. In
these cases, the NFIP assigns an AS Zone
designation, which is not a valid flood zone
designation, but rather a rating method, and
uses the Pre-FIRM Zone A rates to compute the
premium.

In both of the above
situations, the producer
should determine the actual
FIRM zone and submit a
General Change Endorsement to
correct the FIRM zone and
premium. All corrections
should be made as soon as
possible within the initial
policy term after an AA or AS
Zone designation has been
made. If the correct flood
zone is not provided, no
Renewal Premium Notice will
be issued.

YY.   Map "Grandfather" Rules--Effect of Map
Revisions on Flood Insurance Rates
A community will occasionally
make structural improvements
(dams, levees, etc.) to
reduce the potential effects
of flooding; experience new
development aggravating the
flooding situation, thereby
expanding the floodplain;
revise geographical
boundaries resulting in the
designation of additional
flood hazard areas; or
provide information to better
delineate the BFE and/or
flood insurance risk zones.
When these situations occur,
the FIRM is revised and
republished.

The implementation of a new
FIRM raises the question--HOW
DOES THE NEW MAP AFFECT FLOOD
INSURANCE RATES?

1.   Grandfather Rules

To recognize policyholders who have built
in compliance with the FIRM and/or
remained loyal customers of the NFIP by
maintaining continuous coverage, the
Federal Emergency Management Agency
has "Grandfather rules." These rules allow
such policyholders to benefit in the rating
for that building. For such buildings, the
insured would have the option of using


the current rating criteria for that property or
having the premium rate determined by
using the BFE and/or flood zone on the
FIRM (old map) in effect when the building
was originally constructed (for those built in
compliance) or when coverage was first
obtained (for those with continuous
coverage). This results in a cost savings to
insureds when the new map resulting from
a map revision would result in a higher
premium rate.

The conditions that must be met for an
insured to be eligible to receive the rating
benefit from the "Grandfather rules" after a
map revision (new map) becomes effective
are described below.
2.   General Rule of Rating

Always use the new map if it will provide a
more favorable premium (lower rate).

3.   Existing Business--Renewal Policies

Policies written to cover either Post-FIRM
or Pre-FIRM construction may be renewed
and rated based on the FIRM and/or BFE
in effect when the policy was initially rated
as long as the coverage is continuous and
the building has not been altered to make
the reference level lower than the BFE on
that FIRM. (NOTE: Alteration does not
apply to Pre-FIRM construction or to risks
grandfathered to a B, C, or X Zone.)

a.   Examples--Post-FIRM Construction

?     A building was constructed in 1980.
Coverage was purchased at the
time of construction. The FIRM
zone in effect was A1. The BFE
was 10'. The Lowest Floor was
11'. The elevation difference was
+1, and the policy was rated using
a +1 elevation difference.

This policy was written and continuously renewed
for 3 years. In 1983 a new map for
the community was issued.

The property remained in an A1 Zone. However,
the BFE became 12'. Because the
lowest floor did not change, the
elevation difference was -1. Since
continuous coverage existed on the
policy and the building was not
altered in any way, the policy can be
rated using a +1 elevation
difference.

?     A building was constructed in 1980.
The FIRM zone in effect was A. In
1983 the map was revised, which
placed the building in a VE zone.
Since continuous coverage existed
and the building was not altered,
the policyholder can continue to
use Zone A in determining the rate.

b.   Example--Pre-FIRM Construction
At the time flood insurance
coverage was applied for, the
building was located in Zone
A99. A new map designated
the zone as AE. The policy
may continue to be rated
using Zone A99 rates on the
old map as long as there is
no interruption in coverage.

4.   New Business--Applications for Coverage

a.   Post-FIRM Construction

NOTE: These rules apply to buildings in all zones,
including Zone D.

If a new policy is applied
for, the rates can be based
on the FIRM zone and the BFE
on the old map in effect on
the date the building was
constructed provided that:

?     The building was built in
compliance with the map in effect
at the time of construction; and

?     The building has not been altered
in any way that has resulted in a
lowest floor, for rating purposes,
lower than the BFE on that FIRM
(e.g., enclosing the area below an
elevated building); and

?     The building has not been
substantially improved.

The property owner or producer must provide proper
documentation to the WYO company or
NFIP Servicing Agent. The
documentation must show: the date of
the FIRM; the zone on that FIRM in
which the property is located; the BFE, if
any, for that zone; a copy of the map
panel showing the location of the
building; and the rating element that is
to be grandfathered. A letter from a
community official verifying this
information also is acceptable.

Example:
A building was constructed in 1980 and, according to
the FIRM in effect at that time, was
located in Zone AE. No


insurance policy was purchased until 1990. At that
time remapping had occurred and the
zone had been changed to a more
hazardous area, Zone VE. The new
policy can use Zone AE as the rating
zone if the required documentation is
provided.

b.   Pre-FIRM Construction

This "built in compliance"
rule also applies to Pre-FIRM
construction if the date of
construction was on or before
December 31, 1974, and was on
or after the FIRM date.

Example:

A building was constructed in November 1974 and the
FIRM date was May 3, 1973. The old
map showed the building's location as
Zone C. Ten years later in 1984, a new
map placed the building in an A zone.
Flood insurance coverage was applied
for after the map was revised. To use
the old map showing Zone C as the
rating zone, proper documentation must
be submitted.

D.   Post-'81 V Zone Optional Rating

This optional rating is
available for new and renewal
policies and endorsements
with effective dates on or
after October 1, 1997.
Policies for 1975 through
1981 Post-FIRM and Pre-FIRM
buildings in Zones VE and V1-
V30 are allowed to use the
Post-'81 V Zone rate tables
(Tables 3E or 3F) if the
rates are more favorable to
the insured. In order to
qualify, the following
criteria must be met:

1.   The policy must be rated using the BFE
printed on the FIRM panel that includes
wave height. The effective date of the FIRM
panel must be on or after 10/1/81.

2.    The building rates are determined based on
the ratio of the estimated building
replacement cost and the amount of
insurance purchased.

3.    The building must be elevated free of
obstruction or with obstruction less than 300
square feet. All machinery and equipment
located below the BFE are considered
obstructions.




E.   Policies Requiring Re-Rating

The following conditions require that the policies
be rated using the new map:

1.    If an elevation-rated building is altered,
making the lowest floor for rating purposes
below the BFE.

Example:

An elevated building is located in an AE Zone at the time of
construction. The Lowest Floor Elevation
(LFE) was 18'. The BFE was 10'. The Lowest
Floor rating was a +8 elevation differential.
The map was revised, changing the BFE to
11'. The insured decided to enclose the area
beneath the elevated floor and use it as a
living area. This changed the LFE to 9'. Due
to the alteration, the new map must be used
and the building is rated as -2.

2.    If a Pre-FIRM or Post-FIRM building is
substantially improved or substantially
damaged, the building must be re-rated
using the FIRM in effect at the time that the
substantial improvement occurred. A newer
FIRM can always be used if it will result in a
more favorable rating.

Example:

A building was constructed in 1972 and, when flood
insurance was applied for in 1976, was found
to be located in Zone C. The FIRM was
revised in 1984. The building was
substantially improved in 1985. Due to the
improvement, the building must now be re-
rated as Post-FIRM construction using the
1984 map, or the most recent map can be
used if it will result in a more favorable rating.

If ineligible for renewal as a Preferred Risk Policy because
of a map change, the risk must be rewritten
as a Standard Flood Insurance Policy.

F.   Submit-for-Rate

Certain properties at high
flood risk, because of
peculiarities in their
exposure to flooding, do not
lend themselves to
preprogrammed rates. These
risks require an in-depth
underwriting analysis and
must be submitted to the
NFIP for an individual
(specific) rate. As


with other lines of property
insurance, the underwriter
requires documentation to
evaluate those risk
characteristics that make up
the basis for a proper rate.

The NFIP's two-fold goal of establishing sound
actuarial rates and obtaining information for
enforcing floodplain management requires that
the following documentation be supplied for risks
that fall within the submit-for-rate category:

1.    Completed NFIP Flood Insurance
Application.

2.   Completed current Elevation Certificate.

3.    Variance issued by the local community
stating that permission was granted to
construct the building. If no variance was
granted, a statement to that effect signed
by the applicant or the applicant's
representative is required.

4.    Recent photographs of the building (front
and back), or a blueprint (layout of the
building) if the building is under
construction.

5.    The square footage of any enclosure(s)
below the elevated floor, the use of the
enclosure, a list of machinery and
equipment, and the approximate value of
each item located in the enclosure.

6.    Certified letter from either a local building
official, an engineer, or an architect
verifying that any such enclosures are
designed/ built with breakaway walls.

7.    A statement from the applicant or the
applicant's representative that the
enclosure was built at the time that the
building was originally constructed, or at a
later date (give date).

8.    If the building has a basement, a list of
machinery and equipment located in the
basement and each item's approximate
value.

9.    For elevated buildings, an Elevated
Building Determination Form signed by the
insured.

For Submit-for-Rate policies
written as NFIP direct
business, all of the
appropriate documentation
listed above must be mailed
to the NFIP Servicing Agent,
P.O. Box 2965, Shawnee
Mission, KS 66201-1365.

If the building is insurable,
the Servicing Agent will
deliver a written rate and
the applicable ICC


premium to the producer.
Since a rate must be
determined on these risks, no
premium is to accompany the
submission. Coverage will be
effective 30 days after the
receipt of the premium at the
NFIP, with the following two
exceptions:

?    If the coverage is in conjunction with the
making, increasing, extending, or renewing
of a loan, the effective date is on the day
and time of the loan closing, provided that
the policy is applied for and the presentment
of premium is made at or prior to the loan
closing.

?     If the new policy is being obtained as a
result of a revision to a community's flood
map, during the 13-month period beginning
on the effective date of the map revision, the
effective date shall be 12:01 a.m., local
time, following the day after the presentment
of premium. For the NFIP direct business,
the presentment of premium is the same as
the receipt date of the full premium at the
NFIP Servicing Agent.

Submit-for-Rate quotations, excluding the ICC premium,
Federal Policy Fee, and Probation Surcharge, if
applicable, are valid for 90 days. After 90 days,
the Flood Insurance Application and supporting
documentation must be resubmitted for another
determination of the rating.

G.   Crawl Space

A building with a "crawl
space" (under-floor space)
has its interior floor area
(finished or not) within 5
feet of the top of the next
higher floor. If a crawl
space is below grade on all
sides, and the elevation of
the crawl space floor is
below the Base Flood
Elevation, the crawl space
must be rated according to
the guidelines found on pages
LFG 24-25. For the purpose of
completing the Flood
Insurance Application, the
building must be described as
a "non-elevated building with
basement."

NFIP rules and regulations
specify that a crawl space
with its interior floor below
grade on all sides is
considered a "basement";
therefore, the Standard Flood
Insurance Policy basement
coverage limitations apply to
such crawl spaces.

A building with a crawl space
that is not subgrade must be
described as an elevated
building.




XXXIII.    CONTENTS LOCATION

H.   Single Family Dwellings

For rating purposes, contents in a single family dwelling are
considered to be located throughout the entire building regardless of
the building type, with limited coverage in a basement and an enclosed
area beneath the lowest elevated floor. Refer to the Standard Flood
Insurance Policy.

I.   Multi-Family and Non-Residential Buildings

The shaded areas in the illustrations below identify the location of
the contents. The rates for contents located in the area indicated will
be established based on the zone, construction date, and building
description.

1.   Non-Elevated Buildings (contents in shaded areas)


Building Type          Basement         Contents
(including basement
if any)

?    One Floor         ?    None              ?   Lowest Floor
            or                              Only Above
?    Two Floors                              Ground Level


?    Two Floors        ?    Finished             ?   Basement Only
           or
?    Three or More Floors

                  LIMITED COVERAGE IN BASEMENT




?    Two Floors        ?    None                 ?   Lowest Floor
           or                                        Above Ground
?    Three or More Floors                                Level and Higher
                                         Floors




?    Two Floors        ?    Finished             ?    Basement
            or                                  and Above
?    Three or More Floors

                  LIMITED COVERAGE IN BASEMENT




?    Two Floors        ?    Unfinished           ?    Basement
            or                                  and Above
?    Three or More Floors

                  LIMITED COVERAGE IN BASEMENT




Building Type          Basement           Contents
(including basement
if any)

?   Two Floors         ?    Finished              ?      Lowest Floor

            or                     or                                    Above
Ground
?   Three or More Floors           Unfinished                    Level and
           Higher Floors


?    Two Floors        ?    None                             ?      Above Ground
           or                                     or                        Level
More
?    Three or More Floors    ?    Finished                       Than One Full
                          or                     Floor
                       Unfinished
2.   Elevated Buildings (contents in shaded areas)




Building Type               Enclosure         Contents
(including enclosure
if any)

?    One Floor              ?   None                ?   Lowest Floor
                                            Only Above
                                                   Ground Level



?    Two Floors             ?   None               ?   Lowest Floor
                                            Above Ground
                                            Level and Higher
                                            Floor




?    Three or More Floors        ?      Unfinished       ?   Enclosure
and Above
                       LIMITED COVERAGE IN ENCLOSED AREA




?    Three or More Floors         ?     None                  ?   Lowest
Floor
                                               Only Above
                                               Ground Level




Building Type               Enclosure                Contents
(including enclosure
if any)

?   Three or More Floors          ?     None                               ?
Above Ground
                                        Level More Than
                                        One Full Floor




?    Three or More Floors         ?     Unfinished                ?    Above
Ground
                                                          Level More Than
                                                          One Full Floor
XXXIV.     FIRMS WITH WAVE HEIGHTS

The producer must determine
whether or not the BFE on
the FIRM includes wave
height. With very few
exceptions (for communities
on the West Coast) the Flood
Insurance Rate Maps (FIRMs)
published prior to January
1, 1981, give still water
levels that do not include
wave height. FIRMs published
January 1, 1981, and later
indicate whether or not wave
height is included. If wave
height is included, the
following statement appears
on the map legend:

"Coastal base flood elevations shown on this map
include the effects of wave action."

These adjustments apply to 1981 Post-FIRM construction (after
October 1, 1981) for Zones V1-V30 and VE.

J.    Procedure for Calculating Wave Height
Adjustment

The following information is
needed:

?    A completed Elevation Certificate.

?     BFE from the Elevation Certificate (Item
B9) or from the FIRM.

?     Lowest Adjacent Grade from Item C3.f of
the Elevation Certificate completed by a
registered professional engineer, architect, or
surveyor.

?     Depth of Still Water Flooding (subtract the
Lowest Adjacent Grade from the BFE).
The additional elevation due to wave crest in V
Zone areas will normally vary from
a minimum of 2.1 feet to 0.55
times the still water depth at the
site. (BFE including wave height
adjustment = still water BFE + 0.55
x [still water BFE - lowest adjacent
grade elevation].)

For example, a building's site is determined
to be located in Zone V8 with a BFE of 14'
NGVD on the appropriate FIRM. Using the
information from the Elevation Certificate,
the BFE is calculated as follows:



Example 1:

      Base flood elevation                                  14´
Lowest adjacent grade                                -6´

Difference     8´

     Factor                                                 x 0.55
     Wave height adjustment
            (2.1´ minimum)     4.4´

Base flood elevation                              + 14´

BFE adjusted                                      18.4´




Example 2:

Base flood elevation                                  14´
Lowest adjacent grade                             -11´

Difference     3´

     Factor                                                 x 0.55
     Wave height adjustment
         (2.1´ minimum)       1.65´

                   2.1´*
Base flood elevation                              + 14´

BFE adjusted                                      16.1´

*     In Example 2, if the calculation results in less
than the minimum 2.1 feet, use 2.1 feet in the
calculation of the BFE adjusted.
K.    Wave Heights in Numbered Zones V1-
V30 and VE 1981 Post-FIRM
Construction

For most communities that have Coastal High
Hazard Areas, the Wave Height Adjustment to
the Base Flood Elevation (BFE) has been
included on the FIRM.

No wave height adjustment is required for any       numbered    V
Zone area included on a FIRM for any Pacific
Coast community


since the wave action effects have already been considered in
establishing the BFEs on the Pacific Coast.

The 1981 and later FIRMs for
the Atlantic and Gulf Coast
communities indicate whether
or not wave height is
included. If wave height is
included, the following
statement appears under
"Notes to User" on the map
legends: "Coastal base flood
elevations shown on this map
include the effects of wave
action."

L.    Unnumbered V Zones 1981 Post-FIRM
Construction

Determining wave heights in
coastal communities is a very
important additional risk
consideration in the
engineering or architectural
certification that the
structure is securely
anchored to adequately
anchored pilings or columns
in order to withstand
velocity waters and hurricane
wave wash. In these rare
instances, it will be
necessary to obtain, review,
and reasonably utilize any
BFE data available from a
Federal, state, or other
source, until such other data
have been provided by the
Federal Emergency Management
Agency as criteria to
determine the BFEs, including
wave heights.

M.      Rate Selection Procedure

Factors used in determining
the appropriate insurance
rate are:

1.    The elevation of the building relative to the
BFE adjusted by the wave height factor for
an individual building site or the actual
FIRM BFEs on the appropriate FIRM
(include the effect of wave action [wave
height]), and

2.    The existence or non-existence of
obstructions under the beam supporting the
building's lowest floor.

The replacement cost ratio is
used to select the specific
rate. Complete the
appropriate section of the
Application.

XXXV.    FLOODPROOFED BUILDINGS

Floodproofing and the completion of the
Floodproofing Certificate are described in detail
in the Special Certifications section.



N.      Elevation Difference

To determine the elevation difference used for
the rating of floodproofed buildings, the following
procedures should be used if rounding is
necessary:

1.    Round floodproofed elevation to the
nearest foot if the BFE is shown in feet.
Convert the floodproofed elevation to
tenths of feet if the BFE is shown in tenths
of feet.

2.    The elevation difference should be rounded
to the nearest higher elevation. Use 0.5
feet as the midpoint and always round up.
(Example: +1.5 becomes +2;    -0.5
becomes 0; -1.4 becomes -1; -1.5 becomes
-1; -1.6 becomes -2.)

In order to qualify for floodproofing credit,
buildings in AE, A1-A30, AH, and AO Zones
must be floodproofed to at least 1 foot higher
than their BFEs.

O.   Rating

When computing a premium for a floodproofed
building, use the following procedure:

1.    Determine how far above the BFE the
building is floodproofed. (For example, the
building will be floodproofed at +1 foot, +2
feet, and so forth above BFE.)

2.    Subtract 1 foot to determine the elevation
to be used in determining the rate and
computing the premium for the building.

3.    Find the rate for the given building in the
proper zone at the "adjusted" elevation.

4.   Compute the premium as usual.

The building must be floodproofed to +1 foot in
order to receive a rate equivalent to a building
with its lowest floor elevated to the BFE.

For example, if the building is located in Zone
AO and the community's floodproofing standards
have been approved to a level of 3 feet above
the highest adjacent grade (HAG) for the lowest
floor of a nonfloodproofed building, to qualify for
With Certification of Compliance rates, a building
must meet the following standards:


?     Be floodproofed to an elevation of 4
feet above HAG (1 foot above the
community's minimum standard of 3 feet
above HAG).

?     The floodproofing must be certified by a
registered professional engineer or architect
on the Floodproofing Certificate or by a
responsible local official in a letter containing
the same information requested on the
Floodproofing Certificate.

?     The certification, certificate, or letter must
accompany the NFIP Flood Insurance
Application.
In order to be eligible for lower rates, the insured
must have a registered professional engineer or
architect certify that the floodproofing conforms
to the minimum floodproofing specifications of
FEMA. This means that the building must be
floodproofed to at least 1 foot above the BFE. If
floodproofed to 1 foot above the BFE or flood
depth, it can then be treated for rating purposes
as having a "0" elevation difference from the
BFE. This certification must be submitted with
the Application for flood insurance.

To further illustrate, if the building is certified to
be floodproofed to 2 feet above the BFE, flood
depth, or comparable community approved
floodplain management standards, whichever is
highest, then it is credited for floodproofing and
is to be treated for rating purposes as having a
+1 foot elevation.



XXXVI.     THE V-ZONE RISK FACTOR RATING
FORM

P.   Use

In conjunction with Table 10 (V-Zone Risk
Rating Relativities Table), this optional form (see
page RATE 33) may be used to evaluate the
coastal risk when it is believed that the design,
placement, and/or construction of a building is
such that the usual criteria used to establish
actuarially appropriate rates do not reflect the
lessened risk of a particular structure. The form
may be used to either:

?     Establish a rate prior to issuing a new
policy, or

?     Appeal the rate charged on an existing
policy.

Submit the V-Zone Risk Factor Rating Form for review, along
with a copy of the site grading and structural
plans, the Elevation Certificate, and photographs,
if applicable.

Q.   Submission

The completed form should be
submitted to the NFIP Bureau
and Statistical Agent,
Underwriting Department, P.O.
Box 310, Lanham, MD 20703.

Confirmation of the
relativity and established
rate will be returned to the
submitting producer,
engineer, and
builder/applicant in
approximately 30 business
days.




TABLE 10. V-ZONE RISK RATING RELATIVITIES TABLE



Building
Point
Total1
No Obstruction Rates
With Obstruction Rates

Replacemen
t Cost Ratio
.75 or More
Replacemen
t Cost Ratio
.50 to .74
Replacemen
t Cost Ratio
Under .50
Replacemen
t Cost Ratio
.75 or More
Replacement
Cost Ratio
.50 to .74
Replacement
Cost Ratio
Under .50
Less than 225
1.200
1.200
1.200
1.150
1.150
1.150
225 – 275
1.100
1.100
1.100
1.050
1.050
1.100
276 – 325
1.000
1.000
1.000
0.950
0.950
1.000
326 – 375
0.900
0.950
1.000
0.950
0.975
1.000
376 – 425
0.800
0.850
0.900
0.875
0.925
0.950
426 – 475
0.700
0.750
0.800
0.800
0.850
0.900
476 – 525
0.600
0.650
0.700
0.725
0.775
0.825
526 – 575
0.500
0.575
0.650
0.650
0.700
0.750
576 – 625
0.400
0.500
0.600
0.600
0.650
0.700
1Subtract from your Building Point Total all points assigned for Item I.
LOWEST FLOOR ELEVATION and
Item IV.A.1. Free of Obstruction because these factors are included in
the rate prior to application of any V-
Zone Risk Factor Rating Credit.
XIX.   RATING EXAMPLES

TABLE OF CONTENTS


EXAMPLE                                                               PAGE

Example   1 Emergency Program, Standard Deductible   RATE 48


Example 2 Regular Program, Pre-FIRM Construction, $2,000/$1,000
      Deductible Option, Zone B  RATE 49


Example 3 Regular Program, Pre-FIRM Construction, $500 Deductible
Option
      (Surcharge), Zone AE RATE 50


Example 4 Regular Program, Pre-FIRM Construction, $3,000/$2,000
      Deductible Option, Zone A15 RATE 51


Example 5 Regular Program, Post-FIRM, Elevation Rated, $5,000/$5,000
      Deductible Option, Zone AE RATE 52


Example 6 Regular Program, 1975-81 Post-FIRM V1-V30, Elevation Rated,
Zone V13  RATE 53


Example 7 Regular Program, Post-1981 VE or V1-V30, with Enclosure, Zone
VE    RATE 54


Example 8 Regular Program, Post-FIRM Construction, Contents-Only
Policy, Zone A17 RATE 55


Example 9 Regular Program, Post-FIRM, Elevation Rated, $5,000/$5,000
      Deductible Option, Zone AO RATE 56


Example 10 Regular Program, Post-FIRM, Elevation Rated, $500/$500
      Deductible Option, Zone AO (With Certification of Compliance)   RATE
57


Example 11 Regular Program, Post-FIRM, Elevation Rated, $3,000/$2,000
      Deductible Option, Zone AH  RATE 58


Example   12 Regular Program, Post-FIRM, Elevation Rated, $500/$500
     Deductible Option, Zone AH (With Certification of Compliance)   RATE
59


Example 13 Regular Program, Post-FIRM, Elevation Rated, $500/$500
      Deductible Option, Zone A (with Estimated BFE)     RATE 60


Example 14 Regular Program, Post-FIRM, Elevation Rated, $500/$500
      Deductible Option, Zone A (without Estimated BFE) RATE 61


EXAMPLE    1

EMERGENCY PROGRAM, STANDARD DEDUCTIBLE

Data Essential To Determine Appropriate Rates and Premium:

?    Emergency Program
?    Flood Zone:             N/A
?    Occupancy:              Single-Family Dwelling
?    # of Floors:                  1 Floor
?    Basement/Enclosure:     None
?    Deductible:             $1,000/$1,000 (Standard)
?    Deductible Factor:            1.000
?    Contents Location:            Lowest Floor Above Ground Level
?    Date of Construction:   Pre-FIRM
?    Elevation Difference:   N/A
?    Flood Proofed Yes/No:   No
?    Building Coverage:            $35,000
?    Contents:               $10,000
?    ICC Premium:            N/A
?    CRS Rating:             N/A
?    CRS Discount:           N/A

Determined     Rates:
Building:      .76      Contents:   .96


BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM
ONLY)

DEDUCTIB
LE
BASIC
AND
ADDITIO
NAL

COVER
AGE
AMOUNT
OF
INSURANC
E
RA
TE
ANNU
AL
PREM
IUM
AMOUNT
OF
INSURANC
E
RAT
E
ANNU
AL
PREMI
UM
PREM.
REDUCTIO
N/
INCREASE
TOTAL
AMOUNT
OF
INSURAN
CE
TOTAL
PREMIUM
BUILDI
NG
35,000
.76
   266



0
35,000
266
CONTE
NTS
10,000
.96
    96



0
10,000
96
RATE TYPE: (ONE BUILDING PER
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
362
? MANUAL               ? SUBMIT FOR
RATING
OPTION:
ICC PREMIUM
?
? ALTERNATIVE          ? V-ZONE RISK
RATING FORM
? CREDIT
CARD
SUBTOTAL
362
? MORTGAGE PORTFOLIO PROTECTION
PROGRAM
? OTHER:
CRS PREMIUM
DISCOUNT              %
?
? PROVISIONAL RATING

SUBTOTAL
362
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY
KNOWLEDGE. I UNDERSTAND
PROBATION
SURCHARGE
?
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE
OR IMPRISONMENT UNDER
FEDERAL POLICY FEE
30
APPLICABLE FEDERAL LAW.

TOTAL PREPAID
AMOUNT
392
SIGNATURE OF INSURANCE AGENT/BROKER
      DATE (MM/DD/YY)



Premium   Calculation:

1.    Multiply Rate x $100 of Coverage:           Building: $266 /
Contents: $96
2.    Apply Deductible Factor:              Building: 1.000 x $266 =
$266 / Contents: 1.000 x $96 = $96
3.    Premium Reduction/Increase:     Building: $0 / Contents: $0
4.    Subtotal:                       $362
5.    Add ICC Premium:                N/A
6.    Subtract CRS Discount:          N/A
7.    Subtotal:                       $362
8.     Probation Surcharge:               N/A
9.     Add Federal Policy Fee:                   $30
10.   Total Prepaid Amount:               $392


EXAMPLE    2

REGULAR PROGRAM, PRE-FIRM CONSTRUCTION, $2,000/$1,000 DEDUCTIBLE OPTION,
ZONE B

Data Essential To Determine Appropriate Rates and Premium:

?     Regular Program
?     Flood Zone:             B
?     Occupancy:              Single-Family Dwelling
?     # of Floors:                  2 Floors
?     Basement/Enclosure:     None
?     Deductible:             $2,000/$1,000
?     Deductible Factor:            .915
?     Contents Location:            Lowest Floor Above Ground Level and
Higher Floors
?     Date of Construction:   Pre-FIRM
?     Elevation Difference:   N/A
?     Flood Proofed Yes/No:   No
?     Building Coverage:            $150,000
?     Contents Coverage:      $60,000
?     ICC Premium:            $6
?     CRS Rating:             N/A
?     CRS Discount:           N/A

Determined     Rates:
Building:      .64/.14        Contents:    .99/.25


BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM
ONLY)

DEDUCTIB
LE
BASIC
AND
ADDITIO
NAL

COVER
AGE
AMOUNT
OF
INSURANC
E
RA
TE
ANNU
AL
PREM
IUM
AMOUNT
OF
INSURANC
E
RAT
E
ANNU
AL
PREMI
UM
PREM.
REDUCTIO
N/
INCREASE
TOTAL
AMOUNT
OF
INSURAN
CE
TOTAL
PREMIUM
BUILDI
NG
50,000
.64
   320
100,000
.14
140
-39
150,000
421
CONTE
NTS
20,000
.99
   198
40,000
.25
100
-25
60,000
273
RATE TYPE: (ONE BUILDING PER
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
694
? MANUAL               ? SUBMIT FOR
RATING
OPTION:
ICC PREMIUM
6
? ALTERNATIVE          ? V-ZONE RISK
RATING FORM
? CREDIT
CARD
SUBTOTAL
700
? MORTGAGE PORTFOLIO PROTECTION
PROGRAM
? OTHER:
CRS PREMIUM
DISCOUNT              %
?
? PROVISIONAL RATING

SUBTOTAL
700
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY
KNOWLEDGE. I UNDERSTAND
PROBATION
SURCHARGE
?
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE
OR IMPRISONMENT UNDER
FEDERAL POLICY FEE
30
APPLICABLE FEDERAL LAW.
TOTAL PREPAID
AMOUNT
730
SIGNATURE OF INSURANCE AGENT/BROKER
      DATE (MM/DD/YY)



Premium   Calculation:

1.    Multiply Rate x $100 of Coverage:           Building: $460 /
Contents: $298
2.    Apply Deductible Factor:              Building: .915 x $460 =
$421 / Contents: .915 x $298 = $273
3.    Premium Reduction:              Building: $460 - $421 = $39 /
Contents: $298 - $273 = $25
4.    Subtotal:                       $694
5.    Add ICC Premium:                $6
6.    Subtract CRS Discount:                N/A
7.    Subtotal:                       $700
8.    Probation Surcharge:            N/A
9.    Add Federal Policy Fee:               $30
10. Total Prepaid Amount:             $730
EXAMPLE    3

REGULAR PROGRAM, PRE-FIRM CONSTRUCTION, $500 DEDUCTIBLE OPTION
(SURCHARGE), ZONE AE

Data Essential To Determine Appropriate Rates and Premium:

?    Regular Program
?    Flood Zone:             AE
?    Occupancy:              Single-Family Dwelling
?    # of Floors:                  2 Floors
?    Basement/Enclosure:     Enclosure
?    Deductible:             $500/$500
?    Deductible Factor:            1.100 (Surcharge)
?    Contents Location:            Enclosure and Above
?    Date of Construction:   Pre-FIRM
?    Elevation Difference:   N/A
?    Flood Proofed Yes/No:   No
?    Building Coverage:            $150,000
?    Contents Coverage:      $60,000
?    ICC Premium:            $75
?    CRS Rating:             N/A
?    CRS Discount:           N/A

Determined     Rates:
Building:      .81/.60       Contents:    .96/.60


BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM
ONLY)

DEDUCTIB
LE
BASIC
AND
ADDITIO
NAL

COVER
AGE
AMOUNT
OF
INSURANC
E
RA
TE
ANNU
AL
PREM
IUM
AMOUNT
OF
INSURANC
E
RAT
E
ANNU
AL
PREMI
UM
PREM.
REDUCTIO
N/
INCREASE
TOTAL
AMOUNT
OF
INSURAN
CE
TOTAL
PREMIUM
BUILDI
NG
50,000
.81
   405
100,000
.60
600
+101
150,000
1,106
CONTE
NTS
20,000
.96
   192
40,000
.60
240
+43
60,000
475
RATE TYPE: (ONE BUILDING PER
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
1,581
? MANUAL               ? SUBMIT FOR
RATING
OPTION:
ICC PREMIUM
75
? ALTERNATIVE          ? V-ZONE RISK
RATING FORM
? CREDIT
CARD
SUBTOTAL
1,656
? MORTGAGE PORTFOLIO PROTECTION
PROGRAM
? OTHER:
CRS PREMIUM
DISCOUNT              %
?
? PROVISIONAL RATING

SUBTOTAL
1,656
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY
KNOWLEDGE. I UNDERSTAND
PROBATION
SURCHARGE
?
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE
OR IMPRISONMENT UNDER
FEDERAL POLICY FEE
30
APPLICABLE FEDERAL LAW.
TOTAL PREPAID
AMOUNT
1,686
SIGNATURE OF INSURANCE AGENT/BROKER
      DATE (MM/DD/YY)



Premium   Calculation:

1.    Multiply Rate x $100 of Coverage:      Building: $1,005 /
Contents: $432
2.    Apply Deductible Factor:     Building: 1.100 x $1,005 = $1,106   /
Contents: 1.100 x $432 =
$475
3.    Premium Increase:      Building: $1,106 - $1,105 = $101 /
Contents: $475 - $432 = $43
4.    Subtotal: $1,581
5.    Add ICC Premium: $75
6.    Subtract CRS Discount:       N/A
7.    Subtotal: $1,656
8.    Probation Surcharge:   N/A
9.    Add Federal Policy Fee:      $30
10. Total Prepaid Amount:    $1,686
EXAMPLE    4

REGULAR PROGRAM, PRE-FIRM CONSTRUCTION, $3,000/$2,000 DEDUCTIBLE OPTION,
ZONE A15

Data Essential To Determine Appropriate Rates and Premium:

?    Regular Program
?    Flood Zone:             A15
?    Occupancy:              Single-Family Dwelling
?    # of Floors:                  3 Floors
?    Basement/Enclosure:     Basement
?    Deductible:             $3,000/$2,000 Building and Contents
?    Deductible Factor:            .875
?    Contents Location:            Basement and Above
?    Date of Construction:   Pre-FIRM
?    Elevation Difference:   N/A
?    Flood Proofed Yes/No:   No
?    Building Coverage:            $250,000
?    Contents Coverage:      $100,000
?    ICC Premium:            $60
?    CRS Rating:             4
?    CRS Discount:           30%

Determined     Rates:
Building:      .81/.50       Contents:   .96/.50


BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM
ONLY)

DEDUCTIB
LE
BASIC
AND
ADDITIO
NAL

COVER
AGE
AMOUNT
OF
INSURANC
E
RA
TE
ANNU
AL
PREM
IUM
AMOUNT
OF
INSURANC
E
RAT
E
ANNU
AL
PREMI
UM
PREM.
REDUCTIO
N/
INCREASE
TOTAL
AMOUNT
OF
INSURAN
CE
TOTAL
PREMIUM
BUILDI
NG
50,000
.81
   405
200,000
.50
1,000
-176
250,000
1,229
CONTE
NTS
20,000
.96
   192
   80,000
.50
400
-74
100,000
518
RATE TYPE: (ONE BUILDING PER
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
1,747
? MANUAL               ? SUBMIT FOR
RATING
OPTION:
ICC PREMIUM
60
? ALTERNATIVE          ? V-ZONE RISK
RATING FORM
? CREDIT
CARD
SUBTOTAL
1,807
? MORTGAGE PORTFOLIO PROTECTION
PROGRAM
? OTHER:
CRS PREMIUM
DISCOUNT          30%
-542
? PROVISIONAL RATING

SUBTOTAL
1,265
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY
KNOWLEDGE. I UNDERSTAND
PROBATION
SURCHARGE
?
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE
OR IMPRISONMENT UNDER
FEDERAL POLICY FEE
30
APPLICABLE FEDERAL LAW.

TOTAL PREPAID
AMOUNT
1,295
SIGNATURE OF INSURANCE AGENT/BROKER
      DATE (MM/DD/YY)



Premium   Calculation:

1.    Multiply Rate x $100 of Coverage:           Building: $1,405 /
Contents: $592
2.    Apply Deductible Factor:              Building: .875 x $1,405 =
$1,229 / Contents: .875 x $592 = $518
3.    Premium Reduction:              Building: $1,405 - $1,229 = $176
/ Contents: $592 - $518 = $74
4.    Subtotal:                       $1,747
5.    Add ICC Premium:                $60
6.    Subtract CRS Discount:          -$542     (30%)
7.    Subtotal:                       $1,265
8.    Probation Surcharge:            N/A
9.    Add Federal Policy Fee:               $30
10. Total Prepaid Amount:             $1,295



EXAMPLE   5

REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $5,000/$5,000 DEDUCTIBLE
OPTION, ZONE AE
Data Essential To Determine Appropriate Rates and Premium:

?    Regular Program
?    Flood Zone:             AE
?    Occupancy:              Non-Residential
?    # of Floors:                  2 Floors
?    Basement/Enclosure:     None
?    Deductible:             $5,000/$5,000
?    Deductible Factor:            .870
?    Contents Location:            Above Ground Level and Higher Floors
?    Date of Construction:   Post-FIRM
?    Elevation Difference:   +4
?    Flood Proofed Yes/No:   No
?    Building Coverage:            $500,000
?    Contents Coverage:      $500,000
?    ICC Premium:            $4
?    CRS Rating:             5
?    CRS Discount:           25%

Determined   Rates:
Building:    .20/.08         Contents:    .22/.12


BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM
ONLY)

DEDUCTIB
LE
BASIC
AND
ADDITIO
NAL

COVER
AGE
AMOUNT
OF
INSURANC
E
RA
TE
ANNU
AL
PREM
IUM
AMOUNT
OF
INSURANC
E
RAT
E
ANNU
AL
PREMI
UM
PREM.
REDUCTIO
N/
INCREASE
TOTAL
AMOUNT
OF
INSURA
NCE
TOTAL
PREMIUM
BUILDI
NG
150,000
.20
   300
350,000
.08
280
-75
500,000
505
CONTE
NTS
130,000
.22
   286
370,000
.12
444
-95
500,000
635
RATE TYPE: (ONE BUILDING PER
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
1,140
? MANUAL               ? SUBMIT FOR
RATING
OPTION:
ICC PREMIUM
4
? ALTERNATIVE          ? V-ZONE RISK
RATING FORM
? CREDIT
CARD
SUBTOTAL
1,144
? MORTGAGE PORTFOLIO PROTECTION
PROGRAM
? OTHER:
CRS PREMIUM
DISCOUNT             25%
-286
? PROVISIONAL RATING

SUBTOTAL
858
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY
KNOWLEDGE. I UNDERSTAND
PROBATION
SURCHARGE
?
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE
OR IMPRISONMENT UNDER
FEDERAL POLICY FEE
30
APPLICABLE FEDERAL LAW.

TOTAL PREPAID
AMOUNT
888
SIGNATURE OF INSURANCE AGENT/BROKER
      DATE (MM/DD/YY)



Premium   Calculation:

1.    Multiply Rate x $100 of Coverage:           Building: $580 /
Contents: $730
2.    Apply Deductible Factor:              Building: .870 x $580 =
$505 / Contents: .870 x $730 = $635
3.    Premium Reduction:              Building: $580 - $505 = $75 /
Contents: $730 - $635 = $95
4.    Subtotal:                       $1,140
5.    Add ICC Premium:                $4
6.    Subtract CRS Discount:                -$286    (25%)
7.    Subtotal:                       $858
8.    Probation Surcharge:            N/A
9.    Add Federal Policy Fee:               $30
10. Total Prepaid Amount:             $888




EXAMPLE   6

REGULAR PROGRAM, 1975-81 POST-FIRM V1-V30, ELEVATION RATED, ZONE V13

Data Essential To Determine Appropriate Rates and Premium:
?     Regular Program
?     Flood Zone:             V13
?     Occupancy:              Single-Family Dwelling
?     # of Floors:                  2 Floors
?     Basement/Enclosure:     None
?     Deductible:             $500/$500
?     Deductible Factor:            1.000
?     Contents Location:            Lowest Floor Above Ground Level and
Higher Floors
?     Date of Construction:   1975 - 81 (Post-FIRM)
?     Elevation Difference:   +1
?     Flood Proofed Yes/No:   No
?     Building Coverage:            $150,000
?     Contents Coverage:      $100,000
?     ICC Premium:            $35
?     CRS Rating:             8
?     CRS Discount:           10%

Determined   Rates:
Building:    1.53/.34         Contents:    1.92/.45


BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM
ONLY)

DEDUCTIB
LE
BASIC
AND
ADDITIO
NAL

COVER
AGE
AMOUNT
OF
INSURAN
CE
RAT
E
ANNU
AL
PREM
IUM
AMOUNT
OF
INSURANCE
RAT
E
ANNU
AL
PREMI
UM
PREM.
REDUCTIO
N/
INCREASE
TOTAL
AMOUNT
OF
INSURAN
CE
TOTAL
PREMIUM
BUILDI
NG
50,000
1.53
   765
100,000
.34
340
0
150,000
1,105
CONTE
NTS
20,000
1.92
   334
   80,000
.45
360
0
100,000
744
RATE TYPE: (ONE BUILDING PER
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
1,849
? MANUAL               ? SUBMIT FOR
RATING
OPTION:
ICC PREMIUM
35
? ALTERNATIVE          ? V-ZONE RISK
RATING FORM
? CREDIT
CARD
SUBTOTAL
1,884
? MORTGAGE PORTFOLIO PROTECTION
PROGRAM
? OTHER:
CRS PREMIUM
DISCOUNT         10%
-188
? PROVISIONAL RATING

SUBTOTAL
1,696
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY
KNOWLEDGE. I UNDERSTAND
PROBATION
SURCHARGE
?
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE
OR IMPRISONMENT UNDER
FEDERAL POLICY FEE
30
APPLICABLE FEDERAL LAW.

TOTAL PREPAID
AMOUNT
1,726
SIGNATURE OF INSURANCE AGENT/BROKER
      DATE (MM/DD/YY)



Premium   Calculation:

1.    Multiply Rate x $100 of Coverage:            Building: $1,105 /
Contents: $744
2.    Apply Deductible Factor:               Building: 1.000 x $1,105 =
$1,105 / Contents: 1.000 x $744 = $744
3.    Premium Reduction/Increase:      Building: $0 / Contents: $0
4.    Subtotal:                        $1,849
5.    Add ICC Premium:                 $35
6.    Subtract CRS Discount:           -$188     (10%)
7.    Subtotal:                        $1,696
8.    Probation Surcharge:             N/A
9.    Add Federal Policy Fee:                $30
10. Total Prepaid Amount:              $1,726



EXAMPLE   7

REGULAR PROGRAM, POST-1981 VE OR V1-V30, WITH ENCLOSURE, ZONE VE

Data Essential To Determine Appropriate Rates and Premium:

?    Regular Program
?    Flood Zone:            VE
?    Occupancy:             Single-Family Dwelling
?    # of Floors:                 3 or More Floors
?    Basement/Enclosure:    Enclosure     (< 300 sq. ft., w/o M&E)
?    Deductible:            $3,000/$3,000
?     Deductible Factor:           .825
?     Contents Location:           Lowest Floor Above Ground Level and
Higher Floors
?     Date of Construction:   Post-81
?     Elevation Difference:   -1
?     Flood Proofed Yes/No:   No
?     Replacement Cost:             $300,000
?     Building Coverage:            $250,000
?     Contents Coverage:      $100,000
?     ICC Premium:            $14
?     CRS Rating:             9
?     CRS Discount:           5%

Determined   Rates:
Building:    2.24/2.24        Contents:    1.68/1.68


BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM
ONLY)

DEDUCTIB
LE
BASIC
AND
ADDITIO
NAL

COVER
AGE
AMOUNT
OF
INSURAN
CE
RAT
E
ANNU
AL
PREMI
UM
AMOUNT OF
INSURANCE
RAT
E
ANNU
AL
PREM
IUM
PREM.
REDUCTI
ON/
INCREASE
TOTAL
AMOUN
T OF
INSURA
NCE
TOTAL
PREMIUM
BUILDI
NG
50,000
2.24
   1,120
200,000
2.24
4,480
-980
250,000
4,620
CONTE
NTS
20,000
1.68
      336
   80,000
1.68
1,344
-294
100,000
1,386
RATE TYPE: (ONE BUILDING PER
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
6,006
? MANUAL               ? SUBMIT FOR
RATING
OPTION:
ICC PREMIUM
14
? ALTERNATIVE          ? V-ZONE RISK
RATING FORM
? CREDIT
CARD
SUBTOTAL
6,020
? MORTGAGE PORTFOLIO PROTECTION
PROGRAM
? OTHER:
CRS PREMIUM
DISCOUNT          5%
-301
? PROVISIONAL RATING

SUBTOTAL
5,719
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY
KNOWLEDGE. I UNDERSTAND
PROBATION
SURCHARGE
?
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE
OR IMPRISONMENT UNDER
FEDERAL POLICY
FEE
30
APPLICABLE FEDERAL LAW.

TOTAL PREPAID
AMOUNT
5,749
SIGNATURE OF INSURANCE AGENT/BROKER
      DATE (MM/DD/YY)



Premium   Calculation:

      1.    Multiply Rate x $100 of Coverage:       Building: $5,600 /
Contents: $1,680
      2.    Apply Deductible Factor:     Building: .825 x $5,600 = $4,620
/ Contents: .825 x $1,680 = $1,386
      3.    Premium Reduction:     Building: $5,600 - $4,620 = $980 /
Contents: $1,680 - $1,386 = $294
      4.    Subtotal: $6,006
      5.    Add ICC Premium: $14
      6.    Subtract CRS Discount:       -$301    (5%)
      7.    Subtotal: $5,719
      8.    Probation Surcharge:   N/A
      9.    Add Federal Policy Fee:      $30
      10. Total Prepaid Amount:    $5,749


EXAMPLE   8

REGULAR PROGRAM, POST-FIRM CONSTRUCTION, CONTENTS-ONLY POLICY, ZONE A17

Data Essential To Determine Appropriate Rates and Premium:

?    Regular Program
?    Flood Zone:             A17
?    Occupancy:              2-4 Family Dwelling (Renter's Policy)
?    # of Floors:                  2 Floors
?    Basement/Enclosure:     None
?    Deductible:             $500
?    Deductible Factor:            1.000
?    Contents Location:            Above Ground Level and Higher Floors
?    Date of Construction:   Post-FIRM
?    Elevation Difference:   +2
?    Flood Proofed Yes/No:   No
?    Building Coverage:          N/A
?    Contents Coverage:    $100,000
?    ICC Premium:          N/A
?    CRS Rating:           N/A
?    CRS Discount:         N/A

Determined   Rates:
Building:    N/A      Contents:   .38/.12


BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM
ONLY)

DEDUCTIB
LE
BASIC
AND
ADDITIO
NAL

COVER
AGE
AMOUNT
OF
INSURANC
E
RA
TE
ANNU
AL
PREM
IUM
AMOUNT
OF
INSURANC
E
RAT
E
ANNU
AL
PREMI
UM
PREM.
REDUCTIO
N/
INCREASE
TOTAL
AMOUNT
OF
INSURAN
CE
TOTAL
PREMIUM
BUILDI
NG
               0




CONTE
NTS
  20,000
.38
76
   80,000
.12
   96
0
100,000
172
RATE TYPE: (ONE BUILDING PER
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
172
? MANUAL               ? SUBMIT FOR
RATING
OPTION:
ICC PREMIUM
?
? ALTERNATIVE          ? V-ZONE RISK
RATING FORM
? CREDIT
CARD
SUBTOTAL
172
? MORTGAGE PORTFOLIO PROTECTION
PROGRAM
? OTHER:
CRS PREMIUM
DISCOUNT              %
?
? PROVISIONAL RATING

SUBTOTAL
172
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY
KNOWLEDGE. I UNDERSTAND
PROBATION
SURCHARGE
?
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE
OR IMPRISONMENT UNDER
FEDERAL POLICY FEE
30
APPLICABLE FEDERAL LAW.

TOTAL PREPAID
AMOUNT
202
SIGNATURE OF INSURANCE AGENT/BROKER
      DATE (MM/DD/YY)



Premium   Calculation:

1.    Multiply Rate x $100 of Coverage:           Building: N/A /
Contents: $172
2.    Apply Deductible Factor:              Building: N/A /
Contents: 1.000 x $172 = $172
3.    Premium Reduction/Increase:     Building: N/A / Contents: $0
4.    Subtotal:                       $172
5.    Add ICC Premium:                N/A
6.    Subtract CRS Discount:                N/A
7.    Subtotal:                       $172
8.    Probation Surcharge:            N/A
9.    Add Federal Policy Fee:               $30
10. Total Prepaid Amount:             $202



EXAMPLE   9

REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $5,000/$5,000 DEDUCTIBLE
OPTION, ZONE AO

Data Essential To Determine Appropriate Rates and Premium:

?    Regular Program
?    Flood Zone:             AO
?    Occupancy:              Non-Residential
?    # of Floors:                  2 Floors
?    Basement/Enclosure:     None
?    Deductible:             $5,000/$5,000
?    Deductible Factor:            .870
?    Contents Location:            Above Ground Level and Higher Floors
?    Date of Construction:   Post-FIRM
?    Elevation Difference:   -1
?    Flood Proofed Yes/No:   No
?    Building Coverage:            $500,000
?    Contents Coverage:      $500,000
?    ICC Premium:            $4
?    CRS Rating:             5
?    CRS Discount:           25%
Determined   Rates:
Building:    .84/.30   Contents:   1.63/.25


BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM
ONLY)

DEDUCTIB
LE
BASIC
AND
ADDITIO
NAL

COVER
AGE
AMOUNT
OF
INSURANC
E
RA
TE
ANNU
AL
PREM
IUM
AMOUNT
OF
INSURANC
E
RAT
E
ANNU
AL
PREMI
UM
PREM.
REDUCTIO
N/
INCREASE
TOTAL
AMOUNT
OF
INSURA
NCE
TOTAL
PREMIUM
BUILDI
NG
150,000
.84
1,260
350,000
.30
1,050
-300
500,000
2,010
CONTE
NTS
130,000
1.6
3

2,119
370,000
.25
925
-396
500,000
2,648
RATE TYPE: (ONE BUILDING PER
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
4,658
? MANUAL                ? SUBMIT FOR
RATING
OPTION:
ICC PREMIUM
4
? ALTERNATIVE           ? V-ZONE RISK
RATING FORM
? CREDIT
CARD
SUBTOTAL
4,662
? MORTGAGE PORTFOLIO PROTECTION
PROGRAM
? OTHER:
CRS PREMIUM
DISCOUNT             25%
1,166
? PROVISIONAL RATING

SUBTOTAL
3,496
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY
KNOWLEDGE. I UNDERSTAND
PROBATION
SURCHARGE
?
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE
OR IMPRISONMENT UNDER
FEDERAL POLICY FEE
30
APPLICABLE FEDERAL LAW.

TOTAL PREPAID
AMOUNT
3,526
SIGNATURE OF INSURANCE AGENT/BROKER
      DATE (MM/DD/YY)



Premium   Calculation:

1.    Multiply Rate x $100 of Coverage:           Building: $2,310 /
Contents: $3,044
2.    Apply Deductible Factor:              Building: .870 x $2,310 =
$2,010 / Contents: .870 x $3,044 = $2,648
3.    Premium Reduction:              Building: $2,310 - $2,010 = $300
/ Contents: $3,044 - $2,648 = $396
4.    Subtotal:                       $4,662
5.    Add ICC Premium:                $4
6.    Subtract CRS Discount:                -$1,166    (25%)
7.    Subtotal:                       $3,496
8.    Probation Surcharge:            N/A
9.    Add Federal Policy Fee:               $30
10. Total Prepaid Amount:             $3,526




EXAMPLE   10

REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $500/$500 DEDUCTIBLE OPTION,
ZONE AO (WITH CERTIFICATION OF COMPLIANCE)

Data Essential To Determine Appropriate Rates and Premium:

?    Regular Program
?    Flood Zone:             AO (With Certification of Compliance)
?    Occupancy:              Single-Family Dwelling
?    # of Floors:                  2 Floors
?    Basement/Enclosure:     None
?    Deductible:             $500/$500
?    Deductible Factor:            1.000
?    Contents Location:            Above Ground Level and Higher Floors
?    Date of Construction:   Post-FIRM
?    Elevation Difference:   +1
?    Flood Proofed Yes/No:   No
?    Building Coverage:            $250,000
?    Contents Coverage:      $100,000
?    ICC     Premium:    $4
?    CRS     Rating:     N/A
?    CRS     Discount:   N/A

Determined    Rates:
Building:     .25/.06    Contents:   .34/.11


BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM
ONLY)

DEDUCTIB
LE
BASIC
AND
ADDITIO
NAL

COVER
AGE
AMOUNT
OF
INSURANC
E
RA
TE
ANNU
AL
PREM
IUM
AMOUNT
OF
INSURANC
E
RAT
E
ANNU
AL
PREMI
UM
PREM.
REDUCTIO
N/
INCREASE
TOTAL
AMOUNT
OF
INSURA
NCE
TOTAL
PREMIUM
BUILDI
NG
50,000
.25
   125
200,000
.06
120
0
250,000
245
CONTE
NTS
20,000
.34
     68
80,000
.11
88
0
100,000
156
RATE TYPE: (ONE BUILDING PER
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
401
? MANUAL               ? SUBMIT FOR
RATING
OPTION:
ICC PREMIUM
4
? ALTERNATIVE          ? V-ZONE RISK
RATING FORM
? CREDIT
CARD
SUBTOTAL
405
? MORTGAGE PORTFOLIO PROTECTION
PROGRAM
? OTHER:
CRS PREMIUM
DISCOUNT               %
—
? PROVISIONAL RATING

SUBTOTAL
405
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY
KNOWLEDGE. I UNDERSTAND
PROBATION
SURCHARGE
—
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE
OR IMPRISONMENT UNDER
FEDERAL POLICY FEE
30
APPLICABLE FEDERAL LAW.

TOTAL PREPAID
AMOUNT
435
SIGNATURE OF INSURANCE AGENT/BROKER
      DATE (MM/DD/YY)



Premium   Calculation:

1.    Multiply Rate x $100 of Coverage:           Building: $245 /
Contents: $156
2.    Apply Deductible Factor:              Building: 1.000 x $245 =
$245 / Contents: 1.000 x $156 = $156
3.    Premium Reduction:              Building: $0 / Contents: = $0
4.    Subtotal:                       $405
5.    Add ICC Premium:                $4
6.    Subtract CRS Discount:                N/A
7.    Subtotal:                       $405
8.    Probation Surcharge:            N/A
9.    Add Federal Policy Fee:               $30
10. Total Prepaid Amount:             $435




EXAMPLE   11

REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $3,000/$2,000 DEDUCTIBLE
OPTION, ZONE AH

Data Essential To Determine Appropriate Rates and Premium:

?    Regular Program
?    Flood Zone:             AH
?    Occupancy:              Single-Family Dwelling
?    # of Floors:                  1 Floor
?    Basement/Enclosure:     None
?    Deductible:             $3,000/$2,000
?    Deductible Factor:            .875
?    Contents Location:            Lowest Floor Above Ground Level
?    Date of Construction:   Post-FIRM
?    Elevation Difference:   -1
?    Flood Proofed Yes/No:   No
?    Building Coverage:            $250,000
?    Contents Coverage:      $25,000
?    ICC Premium:            $4
?    CRS Rating:             N/A
?    CRS     Discount:   N/A

Determined    Rates:
Building:     .84/.30    Contents:   1.63/.25


BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM
ONLY)

DEDUCTIB
LE
BASIC
AND
ADDITIO
NAL

COVER
AGE
AMOUNT
OF
INSURANC
E
RA
TE
ANNU
AL
PREM
IUM
AMOUNT
OF
INSURANC
E
RAT
E
ANNU
AL
PREMI
UM
PREM.
REDUCTIO
N/
INCREASE
TOTAL
AMOUNT
OF
INSURA
NCE
TOTAL
PREMIUM
BUILDI
NG
50,000
.84
   420
200,000
.30
600
-127
250,000
893
CONTE
NTS
20,000
1.6
3
   326
5,000
.25
13
-42
25,000
297
RATE TYPE: (ONE BUILDING PER
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
1,190
? MANUAL               ? SUBMIT FOR
RATING
OPTION:
ICC PREMIUM
4
? ALTERNATIVE          ? V-ZONE RISK
RATING FORM
? CREDIT
CARD
SUBTOTAL
1,194
? MORTGAGE PORTFOLIO PROTECTION
PROGRAM
? OTHER:
CRS PREMIUM
DISCOUNT 30%
-358
? PROVISIONAL RATING

SUBTOTAL
836
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY
KNOWLEDGE. I UNDERSTAND
PROBATION
SURCHARGE
—
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE
OR IMPRISONMENT UNDER
FEDERAL POLICY FEE
30
APPLICABLE FEDERAL LAW.

TOTAL PREPAID
AMOUNT
866
SIGNATURE OF INSURANCE AGENT/BROKER
      DATE (MM/DD/YY)



Premium   Calculation:

1.    Multiply Rate x $100 of Coverage:           Building: $1,020 /
Contents: $339
2.    Apply Deductible Factor:              Building: .875 x $1,020 =
$893 / Contents: .875 x $339 = $297
3.    Premium Reduction:              Building: $1,020 - $893 = $127
/ Contents = $339 - $297 = $42
4.    Subtotal:                       $1,190
5.    Add ICC Premium:                $4
6.    Subtract CRS Discount:                $358
7.    Subtotal:                       $836
8.    Probation Surcharge:            N/A
9.    Add Federal Policy Fee:               $30
10. Total Prepaid Amount:             $866




EXAMPLE   12

REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $500/$500 DEDUCTIBLE OPTION,
ZONE AH (WITH CERTIFICATION OF COMPLIANCE)

Data Essential To Determine Appropriate Rates and Premium:

?    Regular Program
?    Flood Zone:             AH (With Certification of Compliance)
?    Occupancy:              2-4 Family Dwelling
?    # of Floors:                  2 Floors
?    Basement/Enclosure:     None
?    Deductible:             $500/$500
?    Deductible Factor:            1.000
?    Contents Location:            Above Ground Level and Higher Floors
?    Date of Construction:   Post-FIRM
?    Elevation Difference:   +3
?    Flood Proofed Yes/No:   No
?    Building Coverage:            $200,000
?    Contents Coverage:      $40,000
?    ICC Premium:            $4
?    CRS Rating:             N/A
?    CRS     Discount:   N/A

Determined    Rates:
Building:     .25/.06    Contents:   .34/.11


BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM
ONLY)

DEDUCTIB
LE
BASIC
AND
ADDITIO
NAL

COVER
AGE
AMOUNT
OF
INSURANC
E
RA
TE
ANNU
AL
PREM
IUM
AMOUNT
OF
INSURANC
E
RAT
E
ANNU
AL
PREMI
UM
PREM.
REDUCTIO
N/
INCREASE
TOTAL
AMOUNT
OF
INSURA
NCE
TOTAL
PREMIUM
BUILDI
NG
50,000
.25
   125
150,000
.06
90
0
200,000
215
CONTE
NTS
20,000
.34
     68
20,000
.11
22
0
40,000
90
RATE TYPE: (ONE BUILDING PER
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
305
? MANUAL               ? SUBMIT FOR
RATING
OPTION:
ICC PREMIUM
6
? ALTERNATIVE          ? V-ZONE RISK
RATING FORM
? CREDIT
CARD
SUBTOTAL
311
? MORTGAGE PORTFOLIO PROTECTION
PROGRAM
? OTHER:
CRS PREMIUM
DISCOUNT               %
—
? PROVISIONAL RATING

SUBTOTAL
311
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY
KNOWLEDGE. I UNDERSTAND
PROBATION
SURCHARGE
—
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE
OR IMPRISONMENT UNDER
FEDERAL POLICY FEE
30
APPLICABLE FEDERAL LAW.

TOTAL PREPAID
AMOUNT
341
SIGNATURE OF INSURANCE AGENT/BROKER
      DATE (MM/DD/YY)



Premium   Calculation:

1.    Multiply Rate x $100 of Coverage:           Building: $215 /
Contents: $90
2.    Apply Deductible Factor:              Building: 1.000 x $215 =
$215 / Contents: 1.000 x $90 = $90
3.    Premium Reduction:              Building: $0 / Contents: $0
4.    Subtotal:                       $305
5.    Add ICC Premium:                $6
6.    Subtract CRS Discount:                N/A
7.    Subtotal:                       $311
8.    Probation Surcharge:            N/A
9.    Add Federal Policy Fee:               $30
10. Total Prepaid Amount:             $341




EXAMPLE   13

REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $500/$500 DEDUCTIBLE OPTION,
ZONE A (WITH ESTIMATED BFE)

Data Essential To Determine Appropriate Rates and Premium:

?    Regular Program
?    Flood Zone:             A
?    Occupancy:              2-4 Family Dwelling
?    # of Floors:                  2 Floors
?    Basement/Enclosure:     None
?    Deductible:             $500/$500
?    Deductible Factor:            1.000
?    Contents Location:            Above Ground Level and Higher Floors
?    Date of Construction:   Post-FIRM
?    Elevation Difference:   +6 (with Estimated BFE)
?    Flood Proofed Yes/No:   No
?    Building Coverage:            $140,000
?    Contents Coverage:      $70,000
?    ICC Premium:            $6
?    CRS Rating:             N/A
?    CRS Discount:           N/A

Determined     Rates:
Building:      .32/.08       Contents:    .50/.12
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM
ONLY)

DEDUCTIB
LE
BASIC
AND
ADDITIO
NAL

COVER
AGE
AMOUNT
OF
INSURANC
E
RA
TE
ANNU
AL
PREM
IUM
AMOUNT
OF
INSURANC
E
RAT
E
ANNU
AL
PREMI
UM
PREM.
REDUCTIO
N/
INCREASE
TOTAL
AMOUNT
OF
INSURA
NCE
TOTAL
PREMIUM
BUILDI
NG
50,000
.32
   160
90,000
.08
72
0
140,000
232
CONTE
NTS
20,000
.50
   100
50,000
.12
60
0
70,000
160
RATE TYPE: (ONE BUILDING PER
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
392
? MANUAL               ? SUBMIT FOR
RATING
OPTION:
ICC PREMIUM
6
? ALTERNATIVE          ? V-ZONE RISK
RATING FORM
? CREDIT
CARD
SUBTOTAL
398
? MORTGAGE PORTFOLIO PROTECTION
PROGRAM
? OTHER:
CRS PREMIUM
DISCOUNT               %
—
? PROVISIONAL RATING

SUBTOTAL
398
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY
KNOWLEDGE. I UNDERSTAND
PROBATION
SURCHARGE
—
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE
OR IMPRISONMENT UNDER
FEDERAL POLICY FEE
30
APPLICABLE FEDERAL LAW.

TOTAL PREPAID
AMOUNT
428
SIGNATURE OF INSURANCE AGENT/BROKER
      DATE (MM/DD/YY)



Premium   Calculation:

1.    Multiply Rate x $100 of Coverage:           Building: $232 /
Contents: $160
2.    Apply Deductible Factor:              Building: 1.000 x $232 =
$232 / Contents: 1.000 x $160 = $160
3.    Premium Reduction:              Building: $0 / Contents = $0
4.    Subtotal:                       $392
5.    Add ICC Premium:                $6
6.    Subtract CRS Discount:                N/A
7.    Subtotal:                       $398
8.    Probation Surcharge:            N/A
9.    Add Federal Policy Fee:               $30
10. Total Prepaid Amount:             $428



EXAMPLE   14

REGULAR PROGRAM, POST-FIRM, ELEVATION RATED, $500/$500 DEDUCTIBLE OPTION,
ZONE A (WITHOUT ESTIMATED BFE)

Data Essential To Determine Appropriate Rates and Premium:

?     Regular Program
?     Flood Zone:             A
?     Occupancy:              Single-Family Dwelling
?     # of Floors:                  2 Floors
?     Basement/Enclosure:     None
?     Deductible:             $500/$500
?     Deductible Factor:            1.000
?     Contents Location:            Lowest Floor Above Ground Level and
Higher Floors
?     Date of Construction:   Post-FIRM
?     Elevation Difference:   +5 (without Estimated BFE)
?     Flood Proofed Yes/No:   No
?     Building Coverage:            $135,000
?     Contents Coverage:      $60,000
?     ICC Premium:            $4
?     CRS Rating:             N/A
?     CRS Discount:           N/A

Determined     Rates:
Building:      .36/.10        Contents:    .62/.12


BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM
ONLY)

DEDUCTIB
LE
BASIC
AND
ADDITIO
NAL

COVER
AGE
AMOUNT
OF
INSURANC
E
RA
TE
ANNU
AL
PREM
IUM
AMOUNT
OF
INSURANC
E
RAT
E
ANNU
AL
PREMI
UM
PREM.
REDUCTIO
N/
INCREASE
TOTAL
AMOUNT
OF
INSURA
NCE
TOTAL
PREMIUM
BUILDI
NG
50,000
.36
   180
85,000
.10
85
0
135,000
265
CONTE
NTS
20,000
.62
   124
40,000
.12
48
0
60,000
172
RATE TYPE: (ONE BUILDING PER
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
437
? MANUAL               ? SUBMIT FOR
RATING
OPTION:
ICC PREMIUM
6
? ALTERNATIVE          ? V-ZONE RISK
RATING FORM
? CREDIT
CARD
SUBTOTAL
443
? MORTGAGE PORTFOLIO PROTECTION
PROGRAM
? OTHER:
CRS PREMIUM
DISCOUNT               %
—
? PROVISIONAL RATING

SUBTOTAL
443
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY
KNOWLEDGE. I UNDERSTAND
PROBATION
SURCHARGE
—
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE
OR IMPRISONMENT UNDER
FEDERAL POLICY FEE
30
APPLICABLE FEDERAL LAW.

TOTAL PREPAID
AMOUNT
473
SIGNATURE OF INSURANCE AGENT/BROKER
      DATE (MM/DD/YY)
Premium   Calculation:

1.    Multiply Rate x $100 of Coverage:           Building: $265 /
Contents: $172
2.    Apply Deductible Factor:              Building: 1.000 x $265 =
$265 / Contents: 1.000 x $172 = $172
3.    Premium Reduction:              Building: $0 / Contents: $0
4.    Subtotal:                       $437
5.    Add ICC Premium:                $6
6.    Subtract CRS Discount:                N/A
7.    Subtotal:                       $443
8.    Probation Surcharge:            N/A
9.    Add Federal Policy Fee:               $30
10. Total Prepaid Amount:             $473




CONDOMINIUMS



Important Notice to Agents:

Boards of Directors of condominium associations typically are responsible
under their by-laws for
maintaining all forms of property insurance necessary to protect the
common property of the association
against all hazards to which that property is exposed for either the
insurable value or replacement cost of
those common elements. This responsibility would typically include
providing adequate flood insurance
protection for all common property located in Special Flood Hazard Areas.
Such by-law requirements
could make the individual members of the boards of directors of such
associations personally liable for
insurance errors or omissions, including those relating to flood
insurance.




XXXVII.    METHODS OF INSURING
CONDOMINIUMS

There are five methods of insuring condominiums
under the National Flood Insurance Program
(NFIP). Each method has its own eligibility
requirements for condominium type.

R.   Residential Condominium:
Association Coverage on Building and
Contents

A condominium association is the corporate entity
responsible for the management and operation of
a condominium. Membership is made up of the
condominium unit owners. A condominium
association may purchase insurance coverage on
a residential building and its contents under the
Residential Condominium Building Association
Policy (RCBAP).

S.    Residential Condominium:
Unit Owner's Coverage on Building and
Contents

A condominium unit in a townhouse, rowhouse,
high-rise or low-rise building is considered to be a
single family residence. An individual dwelling
unit in a condominium building may be insured in
any one of three ways:

?     An individual unit and its contents may be
separately insured under the Dwelling Form,
in the name of the unit owner, at the limits of
insurance for a single family dwelling.

?     An individual unit may be separately insured
under the Dwelling Form, if purchased by the
association in the name of the "owner of
record unit number (#) and (name of)
Association as their interests may appear,"
up to the limits of insurance for a single family
dwelling.



?     An individual unit owned by the association
may be separately insured under the
Dwelling Form, if purchased by the
condominium association. The single family
limits of insurance apply.

A policy on a condominium unit will be issued
naming the unit owner and the association, as
their interests may appear. Coverage under a unit
owner's policy applies first to the individually
owned building elements and improvements to
the unit and then to the damage of the building's
common elements that are the unit owner's
responsibility.

In the event of a loss, the claim payment to an
individual unit owner may not exceed the
maximum allowable in the Program.

T.    Other Residential Condominium:
Condominium Association Policy,
Association Coverage on Building and
Contents

The Condominium Association Program (CAP),
under the General Property Form, is available to
insure condominium buildings not eligible for the
RCBAP. A CAP is written on the General
Property Form in the name of the association.
For policies after October 1, 1994, the CAP is to
be used for all condominiums in the Emergency
Program communities, and those condominiums
in Regular Program communities that do not
meet the requirement that 75 percent of the floor
area of the building be residential. In all other
cases, the Residential Condominium Building
Association Policy must be sold. The CAP will
cover building common elements as well as
building elements (additions and alterations)
within all units of the building.


In the event of a loss, building coverage under
either association policy applies first to building
common elements damage and then to damage
to individually owned building elements, and the
claim payment may not exceed the maximum
allowable under the NFIP.

U.    Nonresidential (Commercial) Condominium:
Building and Contents

Nonresidential (commercial) condominium
buildings and their commonly owned contents
may be insured in the name of the Association
under the General Property Form. The
"Nonresidential" limits apply.



V.    Nonresidential (Commercial) Condominium:
Unit Owner's Coverage (Contents)

The owner of a nonresidential condominium unit
may purchase only contents coverage for that
unit. Building coverage may not be purchased in
the name of the unit owner.

In the event of a loss, up to 10 percent of the
stated amount of contents coverage can be
applied to losses to condominium interior walls,
floors, and ceilings. The 10 percent is not an
additional amount of insurance.




TABLE 1. CONDOMINIUM UNDERWRITING GUIDELINES

POLICY
TYPE
POLICY
FORM
INSURED
PROPERTY
COVERED
ELIGIBILITY
REQUIREMENT
S
REPLAC
EMENT
COVERA
GE
ICC
COVERA
GE
LIMITS
ASSESSM
ENT
COVERAG
E
FDEDE
RAL
POLICY
FEES
RESIDENT
IAL
CONDOMI
NIUM
BUILDING
ASSOCIAT
ION
POLICY
(RCBAP)
RCBAP
CONDOMI
NIUM
ASSOCIAT
ION AND
INDIVIDUA
L UNIT
OWNERS
CONDOMINIUM
BUILDING
INDIVIDUALLY
OWNED BUILDING
UNITS WITHIN THE
BUILDING
IMPROVEMENTS
WITHIN UNIT
ADDITIONS AND
EXTENSIONS
ATTACHED OR
CONNECTED BY A
COMMON WALL
FIXTURES,
MACHINERY AND
EQUIPMENT WITHIN
BUILDING
MATERIALS AND
SUPPLIES USED IN
REPAIRING OR
ALTERING THE
BUILDING
CONTENTS OWNED
BY THE
ASSOCIATION
COMMUNITY
MUST BE IN
REGULAR
PROGRAM

RESIDENTIAL
CONDO
BUILDINGS
WITH ONE OR
MORE
RESIDENTIAL
UNITS

AT LEAST 75%
OF FLOOR
AREA MUST BE
RESIDENTIAL

BUILDINGS
INCLUDE
TOWNHOUSES,
ROWHOUSES,
LOW-RISE,
HIGH-RISE, AND
SINGLE FAMILY
CONDOMINIUM
BUILDINGS
YES
YES
REGULAR
PROGRAM
:
BUILDING
REPLACE
MENT
COST, OR
THE
TOTAL
NUMBER
OF UNITS
X
$250,000,
WHICHEV
ER IS
LESS

CONTENT
S
ACTUAL
CASH
VALUE OF
COMMON
LY
OWNED
CONTENT
S TO A
MAXIMUM
OF
$100,000
PER
BUILDING.
NO
DETER
MINED
BY
NUMBE
R OF
UNITS
IN
CONDO
MINIUM
CONDOMI
NIUM
ASSOCIAT
ION
POLICY
(CAP)
GENER
AL
PROPE
RTY
FORM
CONDOMI
NIUM
ASSOCIAT
ION AND
INDIVIDUA
L UNIT
OWNERS
SAME AS ABOVE
RESIDENTIAL
CONDOMINIUM
BUILDINGS
THAT ARE
UNINSURABLE
UNDER A
RCBAP

EMERGENCY
PROGRAM IS
ELIGIBLE
NO
YES
EMERGEN
CY PROG.:

BUILDING
ACTUAL
CASH
VALUE TO
A
MAXIMUM
OF
$100,000
CONTENT
S
ACTUAL
CASH
VALUE TO
A
MAXIMUM
OF
$10,000
NO
$30.00
RESIDENT
IAL UNIT
OWNERS
DWELLI
NG
FORM
CONDOMI
NIUM
ASSOCIAT
ION
AND/OR
INDIVIDUA
L UNIT
OWNERS
INDIVIDUALLY
OWNED BUILDING
ELEMENTS IN UNIT

COMMON BUILDING
ELEMENTS

INDIVIDUALLY
OWNED CONTENTS
ALL
RESIDENTIAL
CONDOMINIUM
UNITS

EMERGENCY
AND REGULAR
PROGRAMS
ARE ELIGIBLE
YES1
NO
EMERGEN
CY
PROGRAM
(MAXIMUM
LIMITS)
BUILDING
$35,000
CONTENT
S $10,000

REGULAR
PROGRAM
(MAXIMUM
LIMITS)
BUILDING
$250,000
CONTENT
S $100,000
YES2
$30.00
NON
RESIDENT
IAL
BUILDING
&
CONTENT
S
GENER
AL
PROPE
RTY
FORM
CONDOMI
NIUM
ASSOCIAT
ION AND
INDIVIDUA
L UNIT
OWNERS
NON-RESIDENTIAL
COMMON BUILDING
ELEMENTS AND
THEIR CONTENTS

CONTENTS OWNED
BY ASSOCIATION

NON-RESIDENTIAL
CONDO UNITS
BUILDING MUST
BE NON-
RESIDENTIAL
(COMMERCIAL)

EMERGENCY
AND
REGULAR
PROGRAMS
ARE ELIGIBLE
NO
YES
EMERGEN
CY PROG.:

BUILDING
ACTUAL
CASH
VALUE TO
A
MAXIMUM
OF
$100,000
CONTENT
S
ACTUAL
CASH
VALUE TO
A
MAXIMUM
OF
$100,000

REGULAR
PROGRAM
:

BUILDING
ACTUAL
CASH
VALUE TO
A
MAXIMUM
OF
$500,000
CONTENT
S
ACTUAL
CASH
VALUE TO
A
MAXIMUM
OF
$500,000
NO
$30.00
NON
RESIDENT
IAL UNIT
OWNERS
GENER
AL
PROPE
RTY
FORM
INDIVIDUA
L UNIT
OWNERS
NON-RESIDENTIAL
CONDO UNITS
(ONLY CONTENTS
ARE AVAILABLE)
COMMERCIAL
CONTENTS
ONLY

EMERGENCY
AND REGULAR
PROGRAMS
ARE ELIGIBLE
NO
NO
EMERGEN
CY PROG.:
$100,000
MAXIMUM

REGULAR
PROGRAM
:
$500,000
MAXIMUM
NO
$30.00

Footnote: These are basic guidelines for condominium associations and
unit owners. Please refer to appropriate section of the Flood
Insurance Manual for specific details.
      1Subject to replacement cost provisions in policy.
      2ICC coverage does not apply to the Emergency Program, individually
owned condominium units insured under Dwelling or General
Property Forms, Contents-only Policies, and Group Flood Insurance
Policies.



TABLE 2. CONDOMINIUM RATING CHART

LOW-RISE RESIDENTIAL CONDOMINIUMS

SINGLE UNIT BUILDING OR TOWNHOUSE/ROWHOUSE TYPE?BUILDING WITH SEPARATE
ENTRANCE FOR EACH UNIT
PURCHASER OF
POLICY
Building Occupancy1
Building
Indicator1
Contents
Indicator2
Limits of Coverage
Type of
Coverag
e
Rate Table3
Policy
Form4
UNIT OWNER
SINGLE FAMILY
SINGLE
UNIT
HOUSEHOL
D
BUILDING?$250,000
CONTENTS?$100,000
RC5
SINGLE
FAMILY
DWELLIN
G
ASSOCIATION
(SINGLE UNIT
ONLY)
SINGLE FAMILY
SINGLE
UNIT
HOUSEHOL
D
BUILDING?$250,000
CONTENTS?$100,000
RC5
SINGLE
FAMILY
DWELLIN
G
ASSOCIATION
(ENTIRE
BUILDING)
DETERMINED BY
THE
NUMBER OF UNITS ,
I.E.,
SINGLE FAMILY, 2-4
FAMILY, OTHER
RESIDENTIAL
LOW-RISE
HOUSEHOL
D
BUILDING?THE TOTAL
NUMBER OF UNITS X
$250,000
CONTENTS?$100,000
RC
RCBAP LOW-
RISE
RCBAP

MULTI-UNIT BUILDING?2 TO 4 UNITS PER BUILDING?REGARDLESS OF NUMBER OF
FLOORS (NON-TOWNHOUSE)
PURCHASER OF
POLICY
Building Occupancy1
Building
Indicator1
Contents
Indicator2
Limits of Coverage
Type of
Coverag
e
Rate Table3
Policy
Form4
UNIT OWNER
2-4
SINGLE
UNIT
HOUSEHOL
D
BUILDING?$250,000
CONTENTS?$100,000
RC5
SINGLE
FAMILY FOR
BUILDING; 2-4
FAMILY FOR
CONTENTS
DWELLIN
G
ASSOCIATION
(SINGLE UNIT
ONLY)
2-4
SINGLE
UNIT
HOUSEHOL
D
BUILDING?$250,000
CONTENTS?$100,000
RC5
SINGLE
FAMILY FOR
BUILDING; 2-4
FAMILY FOR
CONTENTS
DWELLIN
G
ASSOCIATION
(ENTIRE
BUILDING)
2-4
LOW-RISE
HOUSEHOL
D
BUILDING?THE TOTAL
NUMBER OF UNITS X
$250,000
CONTENTS?$100,000
RC
RCBAP LOW-
RISE
RCBAP

MULTI-UNIT BUILDING?5 OR MORE UNITS PER BUILDING?LESS THAN THREE FLOORS
PURCHASER OF
POLICY
Building Occupancy1
Building
Indicator1
Contents
Indicator2
Limits of Coverage
Type of
Coverag
e
Rate Table3
Policy
Form4
UNIT OWNER
OTHER
RESIDENTIAL
SINGLE
UNIT
HOUSEHOL
D
BUILDING?$250,000
CONTENTS?$100,000
RC5
SINGLE
FAMILY
FOR
BUILDING;
OTHER
RESIDENTIAL
FOR
CONTENTS
DWELLIN
G
ASSOCIATION
(SINGLE UNIT
ONLY)
OTHER
RESIDENTIAL
SINGLE
UNIT
HOUSEHOL
D
BUILDING?$250,000
CONTENTS?$100,000
RC5
SINGLE
FAMILY
FOR
BUILDING;
OTHER
RESIDENTIAL
FOR
CONTENTS
DWELLIN
G
ASSOCIATION
(ENTIRE
BUILDING)
OTHER
RESIDENTIAL
LOW-RISE
HOUSEHOL
D
BUILDING?THE TOTAL
NUMBER OF UNITS X
$250,000
CONTENTS?$100,000
RC
RCBAP LOW-
RISE
RCBAP



TABLE 2. CONDOMINIUM RATING CHART (Cont'd)

HIGH-RISE RESIDENTIAL CONDOMINIUMS

MULTI-UNIT BUILDING?5 OR MORE UNITS PER BUILDING?THREE OR MORE FLOORS6
PURCHASER OF
POLICY
Building Occupancy1
Building
Indicator1
Contents
Indicator2
Limits of Coverage
Type of
Covera
ge
Rate Table3
Policy
Form4
UNIT OWNER
OTHER RESIDENTIAL
SINGLE
UNIT
HOUSEHOL
D
BUILDING?$250,000
CONTENTS?$100,000
RC5
SINGLE
FAMILY FOR
BUILDING;
OTHER
RESIDENTIAL
FOR
CONTENTS
DWELLIN
G
ASSOCIATION
(SINGLE UNIT
ONLY)
OTHER RESIDENTIAL
SINGLE
UNIT
HOUSEHOL
D
BUILDING?$250,000
CONTENTS?$100,000
RC5
SINGLE
FAMILY FOR
BUILDING;
OTHER
RESIDENTIAL
FOR
CONTENTS
DWELLIN
G
ASSOCIATION
(ENTIRE
BUILDING)
OTHER RESIDENTIAL
HIGH-RISE
HOUSEHOL
D
BUILDING?THE TOTAL
NUMBER OF UNITS X
$250,000
CONTENTS?$100,000
RC
RCBAP HIGH-
RISE
RCBAP

NON-RESIDENTIAL CONDOMINIUMS

PURCHASER OF
POLICY
Building Occupancy1
Building
Indicator1
Contents
Indicator2
Limits of Coverage
Type of
COVER
AGE
Rate Table3
Policy
Form4
UNIT OWNER
NON-RESIDENTIAL
SINGLE
UNIT
(BUILDING
COVERAGE
NOT
AVAILABLE
)
BUSINESS
EMERGENCY?$100,000
REGULAR?$500,000
CONTENTS ONLY
ACV
NON-
RESIDENTIAL
GENERAL
PROPERT
Y
ASSOCIATION
NON-RESIDENTIAL
LOW-RISE
BUSINESS
BUILDING?
EMERGENCY?$100,000
REGULAR?$500,000

CONTENTS?
EMERGENCY?$100,000
REGULAR?$500,000
ACV
NON-
RESIDENTIAL
GENERAL
PROPERT
Y


RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY



XXXVIII.   POLICY FORM

The policy form used for the residential
condominium buildings owned by a condominium
association is the Residential Condominium
Building Association Policy (RCBAP).

XXXIX.     ELIGIBILITY REQUIREMENTS

The RCBAP is required for all buildings owned by
a condominium association containing one or
more residential units and in which at least 75
percent of the total floor area within the building is
residential without regard to the number of units
or number of floors. This will include
townhouse/rowhouse and detached single family
condominium buildings. The RCBAP is available
for all high-rise and low-rise residential
condominium buildings in the Regular Program
only.

Residential condominium buildings that are being
used as a hotel or motel, or are being rented
(either short- or long-term), must be insured on
the RCBAP.

Only buildings having a condominium form of
ownership are eligible for the RCBAP. Co-
operative ownership buildings are not eligible.
Timeshare buildings having condominium form of
ownership in jurisdictions where title is vested in
individual unit owners are eligible provided all
other criteria are met.

The NFIP has grouped condominium buildings
into two different types, low- and high-rise,
because of the difference in the exposures to the
risk that typically exists. Low-rise buildings
generally have a greater percentage of the value
of the building at risk than high-rise buildings,
thus requiring higher premiums for the first dollars
of coverage. The availability of the optional
deductibles for the low-rise buildings, however,
allows the association to buy back some of the
risk, thereby reducing the overall cost of the
coverage.

For rating purposes:

?     High-rise buildings contain five or more units
and at least three floors excluding enclosure,
even if it is the lowest floor for rating.

?     Low-rise buildings have less than five units
regardless of the number of floors, or five or
more units with less than three floors,
including the basement.



?     Townhouse/rowhouse buildings are always
considered as low-rise buildings for rating
purposes, no matter how many units or floors
they have.

See the Definitions section for a complete
definition of high-rise and low-rise buildings.

The individual unit owners continue to have an
option to purchase an SFIP Dwelling Form.

XL.   COVERAGE

A.    Property Covered

The entire building is covered under one policy,
including both the common as well as individually
owned building elements within the units,
improvements within the units, and contents
owned in common. Contents owned by individual
unit owners should be insured under an individual
unit owner's Dwelling Form.

B.   Coverage Limits

Building coverage purchased under the RCBAP
will be on a Replacement Cost basis.

The maximum amount of building coverage that
can be purchased on a high-rise or low-rise
condominium is the Replacement Cost Value of
the building or the total number of units in the
condominium building times $250,000, whichever
is less.

The maximum allowable contents coverage is the
Actual Cash Value of the commonly owned
contents up to a maximum of $100,000 per
building.

Basic Limit Amount:

?     The building basic limit amount of insurance
for a detached building housing a single
family unit owned by the condominium
association is $50,000.

?     For residential townhouse/rowhouse and low-
rise condominiums, the building basic limit
amount of insurance is $50,000 multiplied by
the number of units in the building.

?     For high-rise condominiums, the building
basic amount of insurance is $150,000.

?     The contents basic limit amount of insurance
is $20,000.


?     For condominium unit owners who have
insured their personal property under the
Dwelling Form or General Property Form,
coverage extends to interior walls, floor, and
ceiling (if not covered under the condominium
association's insurance) up to 10 percent of
the personal property limit of liability. Use of
this coverage is at the option of the insured
and reduces the personal property limit of
liability.
C.   Replacement Cost and Coinsurance

Replacement cost coverage is available for
building coverage only on RCBAPs and Dwelling
Forms meeting eligibility requirements. Co-
insurance penalties are applied for building
coverage only. To the extent the insured has not
purchased insurance in an amount equal to the
lesser of 80 percent or more of the full
replacement cost of the building at the time of
loss or the maximum amount of insurance under
the NFIP, the insured will not be reimbursed fully
for a loss. Building coverage purchased under
individual Dwelling Forms cannot be added to
RCBAP coverage in order to avoid the
coinsurance penalty. The amount of loss in this
case will be determined by using the following
formula:

Insurance Carried    X Amount of Loss = Limit
of Recovery
Insurance Required

Where the penalty applies, building loss under
the RCBAP will be adjusted based on the
Replacement Cost Coverage with a coinsurance
penalty. Building loss under the Dwelling Form
will be adjusted on an Actual Cash Value (ACV)
basis if the Replacement Cost provision is not
met. The cost of bringing the building into
compliance with local codes (law and ordinance)
is not included in the calculation of replacement
cost.

D.   Assessment Coverage

The RCBAP does not provide assessment
coverage.

Assessment coverage is available only under
the Dwelling Form subject to the conditions and
exclusions found in Section III. Property
Covered, Coverage C, paragraph 3 –
Condominium Loss Assessments. The Dwelling
Form will respond, up to the building coverage
limit, to assessments against unit owners for
damages to common areas of any building
owned by the condominium association, even if
the building is not insured, provided that: (1)
each of the unit owners comprising the
membership of the association is assessed by
reason of the same cause; and (2) the
assessment arises out of a direct physical loss
by or from flood to the condominium building at
the time of the loss. Assessment coverage has a
maximum combined total limit of $250,000 per
unit. This combined total limit covers loss to the
unit and any assessment by the association.

Assessment coverage cannot be used to meet
the 80-percent coinsurance provision of the
RCBAP, and does not apply to ICC coverage or
to coverage for closed basin lakes.

V.   DEDUCTIBLES AND FEES

W.   Deductibles

The loss deductible shall apply separately to each
building and personal property covered loss
including any appurtenant structure loss.

The Standard Deductible is $1,000 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 $500.

Optional deductible amounts are available under
the RCBAP.

X.   Federal Policy Fee

The following are the Federal Policy Fees for the
RCBAP:

     1       unit    -   $   30.00 per policy
     2-4     units   -   $   60.00 per policy
     5-10    units   -   $   150.00      per policy
     11-20   units   -   $   330.00      per policy
     21 or   more    -   $   630.00      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 EXISTING 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.

Y.    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.

Z.    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
reasonable accuracy of the RCV for the building,
the agent must update this information at least
every 3 years.

AA.   Coverage

Ensure that the "Coverage and Rating" section of
the Application accurately reflects the desired
amount of building and contents coverage.

If only building insurance is to be purchased,
inform the applicant of the availability of contents
insurance for contents that are commonly
owned. It is recommended that the applicant
initial the contents coverage section if no
contents insurance is requested. (This will make
the applicant aware that the policy will not
provide payment for contents losses.)

7.    Building

Enter the amount of insurance for building,
Basic and Additional Limits. Enter full Basic
Limits before entering any Additional Limits.
The building Basic Limit amount of
insurance for high-rise condominium
buildings is up to a maximum of $150,000.

The building Basic Limit amount of
insurance for low-rise condominium
buildings is $50,000 multiplied by the
number of units in the building. The total
amount of coverage desired on the entire
building must not exceed $250,000 (Regular
Program limit) times the total number of
units (residential and nonresidential) in the
building.


2.    Contents

Since the Program type must be Regular,
enter the amount of insurance for contents,
Basic and Additional Limits. Enter full Basic
Limits before any Additional Limits.
Contents coverage is only for those
contents items that are commonly owned.
For the Basic Limits amount of insurance,
up to a maximum of $20,000 may be filled
in. For the Additional Limits, up to a total of
$80,000 may be filled in. The total amount
of insurance available for contents
coverage cannot exceed $100,000.

BB.   Rates and Fees

8.    To determine rates, see the RCBAP Rate
Tables on the following pages. Enter the
rate for building and for contents and
compute the annual premium. If an optional
deductible has been selected for building
and/or contents, see page CONDO 22.



9.    Enter the total premium for building and
contents, adjusted for any premium change
because of an optional deductible being
selected. The total premium will be
calculated as if the building were one unit.
10.   Add the total premium for building and
contents and enter the Annual Subtotal.

11.     Add the ICC premium.

12.     Calculate the CRS discount, if applicable.

13.     Subtract the CRS discount, if applicable.

14.   Add the $50.00 Probation Surcharge, if
applicable.

15.   Add the Federal Policy Fee to determine
the Total Prepaid Amount.



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

BUILDING




BUILDING
TYPE
REGULAR 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/Enclosur
e
.85/.14
1.08/.3
4
.99/.04
.99/.04
.96/.19
With Basement
.90/.23
1.15/.8
1
1.27/.06
1.27/.06
SUBMIT
FOR
With Enclosure
.90/.14
1.15/.3
4
.99/.04
.99/.04
RATE

B.      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 and
above
.96/.50
1.23/1.
33
1.26/.46
1.26/.46
SUBMIT
FOR
Enclosure and
above
.96/.60
1.23/1.
58
1.26/.53
1.26/.53
RATE
Lowest floor only-
     above ground
level

.96/.60

1.23/1.
58

.99/.48

.99/.48

.96/.57
Lowest floor
   above ground
level
   and higher floors


.96/.41


1.23/1.
39


.99/.25


.99/.25


.96/.39
Above ground
level
   more than 1 full
floor

.35/.12

.47/.29

.35/.12

.35/.12
.35/.12

BUILDING—A1-A30, AE · POST-FIRM

ELEVATION
3 OR MORE FLOORS
NO BASEMENT/ENCLOSURE
3 OR MORE FLOORS
WITH
BASEMENT/ENCLOSURE
      +4
  .33/.03
  .33/.03
      +3
  .34/.03
  .34/.03
      +2
  .35/.03
  .35/.03
      +1
  .62/.04
  .44/.04
      0
1.30/.04
1.16/.04
      -12
4.10/.14
2.31/.11
      -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./ENCL.)
LOWEST FLOOR
ABOVE GROUND
LEVEL
AND HIGHER
(NO BSMNT./ENCL.)

BASEMENT
/
ENCLOSUR
E
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
 .59/.12
 .41/.12
.38/.12
.35/.12
      0
1.10/.12
 .72/.12
.40/.12
.35/.12
      -12
3.01/.75
1.78/.58
.48/.12
.35/.12
      -2
S U B M I T F O R R A T E
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 crawl space (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.


TABLE 3B. RCBAP HIGH-RISE CONDOMINIUM RATES
ANNUAL RATES PER $100 OF COVERAGE
(Basic/Additional)
AO, AH POST-FIRM NO BASEMENT/ENCLOSURE BUILDINGS1


BUILDING
CONTENTS
WITH CERTIFICATION OF COMPLIANCE2
.34/.04
.34/.11
WITHOUT CERTIFICATION OF COMPLIANCE
      OR WITHOUT ELEVATION CERTIFICATE3

.94/.06

.97/.20



POST-FIRM
UNNUMBERED A-ZONE - WITHOUT BASEMENT/ENCLOSURE1
ELEVATION DIFFERENCE TO
NEAREST FOOT
BUILDING
CONTENTS4
TYPE OF ELEVATION CERTIFICATE
+5      OR MORE
   .70/.05
 .62./.12

NO ESTIMATED
BASE FLOOD ELEVATION5
+2 TO +4
1.11/.05
 .87/.17

+1
1.91/.11
1.54/.63

0       OR BELOW
***
***

+2       OR MORE
     .61/.04
     .50/.12

WITH ESTIMATED
BASE FLOOD ELEVATION6
0 TO +1
  .97/.05
  .79/.15
-1
3.90/.14
2.29/.67

-2      OR BELOW
***
***

NO ELEVATION CERTIFICATE
5.06/1.06
2.87/1.00
NO ELEVATION CERTIFICATE

1Zones A, AO, or AH buildings with basement/enclosure--Submit for Rating.
2"With Certification of Compliance" rates are to be used when the
Elevation Certificate shows that the
lowest floor elevation is equal to or greater than the community's
elevation requirement.
3"Without Certification of Compliance" rates are to be used only on Post-
FIRM structures without an
Elevation Certificate or when the Elevation Certificate shows that the
lowest floor elevation of a Post-
FIRM structure is less than the community's elevation requirement.
4For elevation rated policies, when contents are located one floor or
more above lowest floor used for
rating, use .35/.12.
5NO ESTIMATED BASE FLOOD ELEVATION: Elevation difference is the measured
distance
between the lowest floor of the building and the highest adjacent grade
next to the building.
6WITH ESTIMATED BASE FLOOD ELEVATION: Elevation difference is the
measured distance
between the lowest floor of the building and the estimated BFE provided
by the community or
registered professional engineer, surveyor, or architect.
***SUBMIT FOR RATING.



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

AR AND AR DUAL ZONES
BUILDING
PRE-FIRM1,2 AND POST-FIRM3 NOT ELEVATION-RATED



BUILDING
TYPE

RATES
No
Basement/Enclosur
e
   .99/.04
With Basement
1.27/.06
With Enclosure
   .99/.04
CONTENTS




                            PRE-FIRM1,2 AND POST-FIRM3 NOT ELEVATION-
RATED
CONTENTS
LOCATION

RATES
Basement and
above
1.26/.46
Enclosure and
above
1.26/.53
Lowest floor only-
    above ground
level

.99/.48
Lowest floor
   above ground
level
   and higher floors


.99/.25
Above ground level
   more than 1 full
floor

.35/.12

C.    BUILDING
PRE-FIRM AND POST-FIRM ELEVATION-RATED

ELEVATION
3 OR MORE FLOORS
NO BASEMENT/ENCLOSURE
3 OR MORE FLOORS
WITH
BASEMENT/ENCLOSURE
      +4
 .33/.03
  .33/.03
      +3
 .34/.03
  .34/.03
      +2
 .35/.03
  .35/.03
      +1
 .62/.04
  .44/.04
      0
 .99/.04
1.16/.04

      -14
See Footnote
CONTENTS
PRE-FIRM AND POST-FIRM ELEVATION-RATED




ELEVATION

LOWEST FLOOR
ONLY- ABOVE
GROUND
LEVEL (NO
BSMNT./ENCL.)
LOWEST FLOOR
ABOVE GROUND
LEVEL
AND HIGHER
(NO BSMNT./ENCL.)

BASEMENT/
ENCLOSUR
E
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
.59/.12
.41/.12
.38/.12
.35/.12
      0
1.10/.12
.72/.12
.40/.12
.35/.12
               -14
See Footnote

                                 S U B M I T   FO R   R A T E

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 $1,000.
3Base deductible is $500.
4Use Pre-FIRM AR and AR Dual Zones Rate Table above.


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

BUILDING TYPE
ELEVATION OF LOWEST
FLOOR ABOVE OR BELOW
BFE
3 OR MORE FLOORS
NO BASEMENT/ENCLOSURE
3 OR MORE FLOORS
WITH BASEMENT/ENCLOSURE
      03
2.23/.11
2.13/.11
      -14
6.54/.41
3.42/.31
      -2
***
***


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

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

LOWEST FLOOR
ABOVE GROUND LEVEL
AND HIGHER FLOORS
(NO
BASEMENT/ENCLOSUR
E)


BASEMEN
T/
ENCLOSU
RE
AND
ABOVE

ABOVE GROUND
LEVEL?MORE
THAN ONE
FULL FLOOR
      03
2.94/.41
1.92/.45
1.08/.50
.55/.25
      -14
6.47/3.14
3.82/2.43
1.27/.50
.55/.25
      -2
***
***
***
***

1Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones
VE and V1-V30 will be
allowed to use the Post-'81 V Zone rate table if the rates are more
favorable to the insured. See
instructions on page RATE 23 for V Zone Optional Rating.

2For 1981 Post-FIRM construction rating, refer to pages CONDO 19-20.

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.

***SUBMIT FOR RATING.


REGULAR PROGRAM 1975-1981 POST-FIRM CONSTRUCTION1
D.    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 RATES 1

F I R M Z O N E S:
A, A1-A30, AE, AO, AH,
D
V, VE
A99, B, C, X

BUILDIN
G
CONTENT
S
BUILDIN
G
CONTENT
S
BUILDIN
G
CONTENT
S
BUILDIN
G
TYPE
NO
BASEMENT/ENCLOSUR
E
.70/.32
.96/.60
.93/.85
1.23/1.58
.57/.14
.99/.25

WITH BASEMENT
.75/.40
.96/.50
1.00/1.48
1.23/1.48
.66/.20
1.12/.38

WITH ENCLOSURE
.75/.46
.96/.52
1.00/1.61
1.23/1.61
.66/.23
1.12/.44


REGULAR PROGRAM -- POST-FIRM CONSTRUCTION RATES

F I R M Z O N E S:
A99, B, C, X
D

BUILDING
CONTENTS
BUILDING
CONTENTS
BUILDIN
G
TYPE
NO
BASEMENT/ENCLOSURE
.57/.14
.99/.25
.77/.32
.96/.57

WITH BASEMENT
.66/.20
1.12/.38
***
***

WITH ENCLOSURE
.66/.23
1.12/.44


F I R M Z O N E S:
AO, AH (NO BASEMENT/ENCLOSURE BUILDINGS ONLY)2

BUILDING
CONTENTS
WITH CERTIFICATION OF
COMPLIANCE3
.19/.06
.34/.11
WITHOUT CERTIFICATION OF
COMPLIANCE
OR WITHOUT ELEVATION
CERTIFICATE4
.71/.17
.97/.20

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: 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
BUILDING TYPE
ELEVATION OF
LOWEST
FLOOR ABOVE
OR BELOW
BFE1
ONE FLOOR
NO
BASEMENT/ENCLOSUR
E
MORE THAN ONE
FLOOR
NO
BASEMENT/ENCLOSUR
E
MORE THAN ONE FLOOR
WITH
BASEMENT/ENCLOSURE
      +4
.18/.08
.18/.08
.18/.08
      +3
.18/.08
.18/.08
.18/.08
      +2
.24/.08
.18/.08
.18/.08
      +1
.43/.08
.25/.08
.19/.08
      0
.81/.08
.53/.08
.43/.08
            -12
2.06/.76
1.74/.70
1.03/.47
      -2
***
***
***

FIRM ZONES A1-A30, AE -- CONTENTS RATES

CONTENTS LOCATION
ELEVATION OF
LOWEST
FLOOR ABOVE
OR BELOW
BFE1
LOWEST FLOOR
ONLY -
ABOVE GROUND
LEVEL
(NO
BASEMENT/ENCLOS
URE)
LOWEST FLOOR
ABOVE GROUND LEVEL
AND
HIGHER FLOORS
(NO
BASEMENT/ENCLOSURE)


BASEMENT/ENCLOS
URE
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
  .59/.12
.41/.12
.38/.12
.35/.12
      0
1.10/.12
.72/.12
.40/.12
.35/.12
      -12
3.01/.75
1.78/.58
.48/.12
.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 the enclosure below the lowest floor
of an elevated building or if the
crawl space (under-floor space) that has its interior floor within 2 feet
below grade on all sides, which is
used for rating, is 1 or more feet below BFE.
***SUBMIT FOR RATING.



TABLE 4C. RCBAP LOW-RISE CONDOMINIUM RATES
(Including Townhouse/Rowhouse)
ANNUAL RATES PER $100 OF COVERAGE
(Basic/Additional)


UNNUMBERED ZONE A - WITHOUT BASEMENT/ENCLOSURE1
ELEVATION DIFFERENCE TO
NEAREST FOOT
BUILDING
CONTENTS2
TYPE OF ELEVATION CERTIFICATE
+5 OR MORE
.30/.10
.62/.12

NO ESTIMATED
BASE FLOOD ELEVATION3
+2 TO +4
.73/.12
.86/.17

 +1
1.40/.56
1.54/.63

0 OR BELOW
***
***

+2 OR MORE
.24/.08
.50/.12

WITH ESTIMATED
BASE FLOOD ELEVATION4
0 TO +1
.53/.10
.79/.15

-1
1.91/.67
1.93/.74

-2 OR BELOW
***
***

NO ELEVATION CERTIFICATE
2.42/1.15
2.79/1.00
NO ELEVATION CERTIFICATE

1Zone A building with basement (including crawl space below grade on all
sides) or enclosure--Submit for
Rating.
2For elevation rated policies, when contents are located one floor or
more above lowest floor used for
rating, use .35/.12.
3NO 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.
4WITH 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.
***SUBMIT FOR RATING.



TABLE 4D. RCBAP LOW-RISE CONDOMINIUM RATES
(Including Townhouse/Rowhouse)
ANNUAL RATES PER $100 OF COVERAGE
(Basic/Additional)

E.
F.   AR AND AR DUAL ZONES


REGULAR PROGRAM – PRE-FIRM1,2 AND
POST-FIRM3 NOT ELEVATION-RATED RATES

BUILDING TYPE
BUILDIN
G
CONTENT
S
NO BASEMENT
.57/.14
.99/.25
WITH BASEMENT
.66/.20
1.12/.38
WITH ENCLOSURE
.66/.23
1.12/.44

REGULAR PROGRAM –– PRE-FIRM AND POST-FIRM ELEVATION-RATED RATES

BUILDING RATES

BUILDING TYPE
ELEVATION OF
LOWEST FLOOR
ABOVE OR BELOW
BFE
ONE FLOOR
NO BASEMENT/ENCLOSURE
MORE THAN ONE FLOOR
NO BASEMENT/ENCLOSURE
MORE THAN ONE FLOOR
WITH BASEMENT/ENCLOSURE
      +4
.18/.08
.18/.08
.18/.08
      +3
.18/.08
.18/.08
.18/.08
      +2
.24/.08
.19/.08
.18/.08
      +1
.43/.08
.25/.08
.19/.08
      0
.57/.14
.53/.08
.43/.08
      -14
See Footnote

CONTENTS RATES

CONTENTS LOCATION
ELEVATION OF
LOWEST FLOOR
ABOVE OR BELOW
BFE
LOWEST FLOOR
ONLY -
ABOVE GROUND
LEVEL
(NO
BASEMENT/ENCLOS
URE)
LOWEST FLOOR
ABOVE GROUND LEVEL
AND
HIGHER FLOORS
(NO
BASEMENT/ENCLOSURE)

BASEMENT/ENCLOS
URE
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
.59/.12
.41/.12
.38/.12
.35/.12
      0
1.10/.12
.72/.12
.40/.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 $1,000.
3Base deductible is $500.
4Use Pre-FIRM AR and AR Dual Zones Rate Table above.


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

BUILDING TYPE
ELEVATION OF
LOWEST FLOOR
ABOVE OR BELOW
BFE
ONE FLOOR
NO
BASEMENT/ENCLOSURE
MORE THAN ONE FLOOR
NO BASEMENT/ENCLOSURE
MORE THAN ONE FLOOR
WITH
BASEMENT/ENCLOSURE
      03
1.83/.34
1.46/.34
1.26/.34
      -14
3.99/2.08
3.65/2.08
2.56/1.88
      -2
***
***
***



REGULAR PROGRAM -- 1975-19811 -- POST-FIRM CONSTRUCTION2
FIRM ZONES V1-V30, VE -- CONTENTS RATES

CONTENTS LOCATION
ELEVATION OF
LOWEST FLOOR
ABOVE OR BELOW
BFE
LOWEST FLOOR ONLY -
ABOVE GROUND LEVEL
(NO
BASEMENT/ENCLOSUR
E)
LOWEST FLOOR ABOVE
GROUND LEVEL AND
HIGHER FLOORS
(NO
BASEMENT/ENCLOSURE)
BASEMENT/ENCLOS
URE AND ABOVE
ABOVE GROUND
LEVEL - MORE
THAN ONE FULL
FLOOR
      03
2.94/.41
1.92/.45
1.08/.50
.55/.25
      -14
6.47/3.14
3.82/2.43
1.27/.50
.55/.25
      -2
***
***
***
.55/.25



REGULAR PROGRAM -- 1975-1981 -- POST-FIRM CONSTRUCTION2
UNNUMBERED V ZONE -- ELEVATED BUILDINGS

G.   SUBMIT FOR RATING


1Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones
VE and V1-V30 will be allowed
to use the Post- '81 V Zone rate table if the rates are more favorable to
the insured. See instructions on
page RATE 23 for V Zone Optional Rating.
2For 1981 Post-FIRM construction rating, refer to pages CONDO 19 and 20.
3These rates are to be used if the lowest floor of the building is at or
above the BFE.
4Use Submit-for-Rate guidelines if the enclosure below the lowest floor
of an elevated building, which is used
for rating, is 1 or more feet below BFE.
***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
      .49
      .40
+     3
      .59
      .40
+     2
      .74
      .53
+     1
      1.07
      .85
      0
      1.38
      1.27
-     1
      1.82
      1.76
-     2
      2.40
      2.40
-     3
      3.18
      3.25
-     4    or lower
      ***
      ***
Rates above are only for elevated buildings. Use Specific Rating
Guidelines
for non-elevated buildings.

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.
2Free of Obstruction?The space below the lowest elevated floor must be
completely free of obstructions
or any attachment to the building, or may have:
(1)   Insect screening, provided that no additional supports are required
for the screening; or
(2)    Wooden or plastic lattice with at least 40 percent of its area
open and made of material no
thicker than ½ inch; or
(3)    Wooden or plastic slats or shutters with at least 40 percent of
their area open and made of
material no thicker than 1 inch.
Any of these systems must be designed and installed to collapse under
stress without
jeopardizing the structural support of the building, so that the impact
on the building of
abnormally high tides or wind-driven water is minimized. Any machinery or
equipment below the
lowest elevated floor must be at or above the BFE.
3Wave height adjustment is not required in those cases where the Flood
Insurance Rate Map indicates that
the map includes wave height.
***SUBMIT FOR RATING. Include a copy of the variance, a recent
photograph and blueprints (including a
site grading plan if ocean front) with the Application, and a post-
construction (or pre-construction if
builder's risk) Elevation Certificate. Do not submit any premium with the
application. No applicant for
insurance on Post-FIRM construction or substantial improvement for which
asterisks are shown (there is
no risk premium rate) in the Flood Insurance Manual can obtain flood
coverage until FEMA has
approved the Application and established the risk premium for the
building.


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
      .90
      .50
+     3
      .99
      .50
+     2
      1.13
      .62
+     1
      1.40
      .97
      0
      1.71
      1.36
-     15
      2.17
      1.84
-     25
      2.78
      2.49
-     35
      3.56
      3.34
-     4    or lower5
      ***
      ***
1Policies for 1975 through 1981 Post-FIRM and Pre-FIRM buildings in Zones
VE and V1-V30 will be
allowed to use the Post-'81 V Zone rate table if the rates are more
favorable to the insured. See
instructions on page RATE 23 for V Zone Optional Rating.
2Rates provided are only for elevated buildings, except those elevated on
solid perimeter foundation
walls. For buildings elevated on solid perimeter foundation walls, and
for non-elevated buildings, use the
Specific Rating Guidelines document.
3With Obstruction—The space below has an area of less than 300 square
feet with breakaway solid walls
or contains equipment below the BFE. If the space below has an area of
300 square feet or more, or if
any portion of the space below the elevated floor is enclosed with non-
breakaway walls, submit for
rating.
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 building, which is used for rating, is 1 or more
feet below BFE.
***SUBMIT FOR RATING. Include a copy of the variance, a recent photograph
and blueprints (including a
site grading plan if ocean front) with the Application, and a post-
construction (or pre-construction if
builder's risk) Elevation Certificate. Do not submit any premium with the
application. No applicant for
insurance on Post-FIRM construction or substantial improvement for which
asterisks are shown (there is
no risk premium rate) in the Flood Insurance Manual can obtain flood
coverage until FEMA has
approved the Application and established the risk premium for the
building.

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

H.   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
      $    6

AR, AR DUAL ZONES
      $    6

Post-'81 V1-V30, VE
      $    20

'75-'81 V1-V30, VE
      $    35

A99, B, C, X, D
      $    6
Pre-FIRM
A, AE, A1-A30, AO, AH
      $    75

AR, AR DUAL ZONES
      $    6
V, VE, V1-V30
      $    75

A99, B, C, X, D
      $    6

      1Use the ICC premium table contained in the Specific Rating
Guidelines.
      2Elevation-rated Pre-FIRM buildings should use Post-FIRM ICC
premiums.




Table 7.   RCBAP Deductible Factors – All Zones


Category One – Low-Rise Condominium Building-and-Contents Policies


DEDUCTIBLE
OPTIONS
DEDUCTIBLE FACTOR

Single Family
2-4 Units
5 or More Units
Building/Contents
$500 Ded.
$1,000
Ded.
$500 Ded.
$1,000
Ded.
$500 Ded.
$1,000
Ded.
   $500/   $500
1.000
1.125
1.000
1.025
1.000
1.015
$1,000/$1,000
  .950
1.000
  .965
1.000
  .980
1.000
$2,000/$1,000
  .900
  .950
  .930
  .965
  .960
  .980
$3,000/$1,000
  .850
  .900
  .900
  .935
  .940
  .960
$4,000/$2,000
  .800
  .825
  .850
  .885
  .910
  .930
$5,000/$2,000
  .760
  .775
  .810
  .845
  .890
  .920
$10,000/$10,000
  .625
  .635
  .650
  .660
  .825
  .840
$25,000/$25,000
  .525
  .535
  .550
  .560
  .725
  .740


Category Two – Low-Rise Condominium Building-Only Policies


DEDUCTIBLE
OPTIONS
DEDUCTIBLE FACTOR

Single Family
2-4 Units
5 or More Units

$500 Ded.
$1,000
Ded.
$500 Ded.
$1,000
Ded.
$500 Ded.
$1,000 Ded.
$500
1.000
1.125
1.000
1.025
1.000
1.015
$1,000
  .950
1.000
  .965
1.000
  .980
1.000
$2,000
  .885
  .925
  .925
  .950
  .950
  .970
$3,000
  .825
  .865
  .875
  .910
  .920
  .940
$4,000
  .775
  .825
  .825
  .870
  .900
  .920
$5,000
  .725
  .765
  .800
  .835
  .880
  .900
$10,000
  .620
  .630
  .640
  .650
  .815
  .830
$25,000
  .520
  .530
  .540
  .550
  .715
  .730


Category Three – High-Rise Condominium Policies,
Building-and-Contents and Building-Only

The deductible factors are multipliers,
and total deductible amounts are subject to a maximum dollar discount per
annual premium.

BUILDING/CONTENTS

BUILDING-ONLY

DEDUCTIBLE
FACTOR



DEDUCTIBLE
FACTOR

DEDUCTIBLE
OPTIONS
$500
Deductibl
e
$1,000
Deductibl
e
MAXIMUM
DISCOUN
T

DEDUCTIB
LE
OPTIONS
$500
Deductibl
e
$1,000
Deductible
MAXIMUM
DISCOUN
T
$500/      $500
1.000
1.050
  N/A

$500
1.000
1.100
N/A
$1,000/$1,000
  .980
1.000
$    56

$1,000
  .980
1.000
$   55
$2,000/$2,000
  .960
  .980
$ 111

$2,000
  .950
  .970
$ 110
$3,000/$3,000
  .940
  .960
$ 166

$3,000
  .920
  .940
$ 165
$4,000/$4,000
  .910
  .930
$ 221

$4,000
  .900
  .920
$ 220
$5,000/$5,000
  .890
  .920
$ 276

$5,000
  .880
  .900
$ 275
$10,000/$10,00
0
  .825
  .840
$   501

$10,000
  .815
  .830
$   500
$25,000/$25,00
0
  .725
  .740
$1,001

$25,000
  .715
  .730
$1,000




X.   CONDOMINIUM RATING EXAMPLES


TABLE OF CONTENTS


EXAMPLE    PAGE

Example    1     Pre-FIRM, Low-rise, with Enclosure, Coinsurance Penalty,
Zone A     CONDO 24



Example     2       Pre-FIRM, Low-rise, No Basement/Enclosure, Zone AE
      CONDO 25



Example     3       Post-FIRM, Low-rise, Coinsurance Penalty, Zone AE
      CONDO 26



Example     4       Post-FIRM, Low-rise, Standard Deductible, Zone AE
      CONDO 27



Example    5        Pre-FIRM, High-rise, Standard Deductible, Coinsurance
Penalty, Zone A     CONDO 28
Example     6     Pre-FIRM, High-rise, Basement, Maximum Discount, Zone AE
      CONDO 29



Example     7     Post-FIRM, High-rise, Standard Deductible, Zone AE
      CONDO 30



Example     8     Pre-FIRM, High-rise, Enclosure, Maximum Discount,
Coinsurance
            Penalty, Zone AE CONDO 31




CONDOMINIUM   RATING   EXAMPLE   1

PRE-FIRM, LOW-RISE, WITH ENCLOSURE, COINSURANCE PENALTY, ZONE A

     Regular Program
?    Building Coverage:      $140,000
?    Contents Coverage:      $100,000
?    Condominium Type:       Low-rise
?    Flood Zone:       A
?    Occupancy: Other Residential
?    # of Units: 6
?    Date of Construction:         Pre-FIRM
?    Building Type: 3 Floors Including Enclosure
?    Deductible: $2,000/$1,000
?    Deductible Factor:      .980
?    Replacement Cost:       $600,000
?    Elevation Difference: N/A
?    80% Coinsurance Amount:       $480,000
?    ICC Premium:      $75 ($30,000 Coverage)
?    CRS Rating:       N/A
?    CRS Discount:     N/A
Determined   Rates:
Building:    .75/.46   Contents:   .96/.52

COVER
AGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM
ONLY)
DEDUCTIB
LE
BASIC
AND
ADDITIO
NAL
TOTAL
PREMI
UM

AMOUNT
OF
INSURANC
E
RA
TE
ANNU
AL
PREM
IUM
AMOUNT OF
INSURANCE
RA
TE
ANNU
AL
PREM
IUM
PREM.
REDUCTIO
N/
INCREASE
TOTAL
AMOUNT
OF
INSURA
NCE

BUILDIN
G
      140,000
.75
      1,050
      0
.46
        0
        -21
        140,000
        1,029
CONTE
NTS
        20,000
.96
        192
        80,000
.52
416
      -12
      100,000
      596
RATE TYPE: (ONE BUILDING PER
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
      1,625
? MANUAL         ? SUBMIT FOR RATING
OPTION:
ICC PREMIUM
      75
? ALTERNATIVE          ? V-ZONE RISK
RATING FORM
? CREDIT
CARD
SUBTOTAL
      1,700
? MORTGAGE PORTFOLIO PROTECTION
PROGRAM
? OTHER:
CRS PREMIUM
DISCOUNT
%
?
? PROVISIONAL RATING

SUBTOTAL
  1,700
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY
KNOWLEDGE. I UNDERSTAND THAT
PROBATION
SURCHARGE
?
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR
IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
FEDERAL POLICY FEE
       150
SIGNATURE OF INSURANCE AGENT/BROKER
       DATE(MM/DD/YY)
TOTAL PREPAID
AMOUNT
     1,850

Premium Calculation:
1.    Multiply Rate x $100 of Coverage:      Building: $1,050 /
Contents: $608
2.    Apply Deductible Factor:     Building: .980 x $1,050 = $1,029           /
Contents: .980 x $608 =
$596
3.    Premium Reduction:     Building: $1,050 - $1,029 = $21 /
Contents: $608 - $596 = $12
4.    Subtotal: $1,625
5.    Add ICC Premium: $75
6.    Subtract CRS Discount:       N/A
7.    Subtotal: $1,700
8.    Probation Surcharge:   N/A
9.    Add Federal Policy Fee:      $150
10.   Total Prepaid Amount: $1,850

CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION
Claim Payment is determined as follows:

(Insurance    Carried)     140,000    x      (Amount   of   Loss)   100,000   =
(Limit of     Recovery)    29,167 - Less
Deductible
(Insurance    Required)    480,000

(Coinsurance Penalty applies because minimum insurance amount of $480,000
was not met.)


CONDOMINIUM   RATING      EXAMPLE    2

PRE-FIRM, LOW-RISE, NO BASEMENT/ENCLOSURE, ZONE AE

     Regular Program
?    Building Coverage:      $480,000
?    Contents Coverage:      $50, 000
?    Condominium Type:       Low-rise
?    Flood Zone:       AE
?    Occupancy: Other Residential
?    # of Units: 6
?    Date of Construction:         Pre-FIRM
?    Building Type: 1 Floor, No Basement
?    Deductible: $500/$500
?    Deductible Factor:      1.015
?    Replacement Cost:       $600,000
?    Elevation Difference: N/A
?    80% Coinsurance Amount:       $480,000
?    ICC Premium:      $75 ($30,000 Coverage)
?    CRS Rating:       N/A
?    CRS Discount:     N/A

Determined    Rates:
Building:     .70/.32      Contents:     .96/.60
COVER
AGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY)
DEDUCTI
BLE
BASIC
AND
ADDITIO
NAL
TOTA
L
PREM
IUM

AMOUNT
OF
INSURANC
E
RA
TE
ANNU
AL
PREM
IUM
AMOUNT OF
INSURANCE
RAT
E
ANNU
AL
PREM
IUM
PREM.
REDUCTI
ON/
INCREAS
E
TOTAL
AMOUNT
OF
INSURAN
CE

BUILDI
NG
      300,000
.70
      2,100
180,000
.32
576
      +40
480,000
      2,716
CONTE
NTS
      20,000
.96
      192
30,000
.60
180
      +6
  50,000
      378
RATE TYPE: (ONE BUILDING PER
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
      3,094
? MANUAL         ? SUBMIT FOR RATING
OPTION:
ICC PREMIUM
      75
? ALTERNATIVE          ? V-ZONE RISK
RATING FORM
? CREDIT
CARD
SUBTOTAL
      3,169
? MORTGAGE PORTFOLIO PROTECTION
PROGRAM
? OTHER:
CRS PREMIUM
DISCOUNT
%
?
? PROVISIONAL RATING

SUBTOTAL
      3,169
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY
KNOWLEDGE. I UNDERSTAND THAT
PROBATION
SURCHARGE
?
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR
IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
FEDERAL POLICY FEE
      150
SIGNATURE OF INSURANCE AGENT/BROKER     DATE
(MM/DD/YY)
TOTAL PREPAID
AMOUNT
      3,319
Premium Calculation:
1.    Multiply Rate x $100 of Coverage:       Building: $2,676 /
Contents: $372
2.    Apply Deductible Factor:    Building: 1.015 x $2,676 = $2,716 /
Contents: 1.015 x $372 =
$378
3.    Premium Increase: Building: $2,716 - $2,676 = $40 / Contents:
$378 - $372 = $6
4.    Subtotal: $3,094
5.    Add ICC Premium: $75
6.    Subtract CRS Discount:      N/A
7.    Subtotal: $3,169
8.    Probation Surcharge:    N/A
9.    Add Federal Policy Fee:     $150
10.   Total Prepaid Amount: $3,319

CLAIMS   ADJUSTMENT     WITH   COINSURANCE   PROVISION

Coinsurance Penalty does not apply since minimum insurance amount of 80%
was met.



CONDOMINIUM   RATING     EXAMPLE   3

POST-FIRM, LOW-RISE, COINSURANCE PENALTY, ZONE AE

     Regular Program
?    Building Coverage:      $750,000
?    Contents Coverage:      $100,000
?    Condominium Type:       Low-rise
?    Flood Zone:       AE
?    Occupancy: Other Residential
?    # of Units: 14
?    Date of Construction:         Post-FIRM
?    Building Type: 2 Floors, No Basement/Enclosure
?    Deductible: $500/$500
?    Deductible Factor:      1.000
?    Replacement Cost:       $1,120,000
?    Elevation Difference: +1
?    80% Coinsurance Amount:       $896,000
?    ICC Premium:      $6 ($30,000 Coverage)
?    CRS Rating:       N/A
?    CRS Discount:     N/A

Determined    Rates:
Building:     .25/.08     Contents:     .41/.12

COVER
AGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM
ONLY)
DEDUCTIB
LE
BASIC
AND
ADDITIO
NAL
TOTAL
PREMI
UM

AMOUNT
OF
INSURANC
E
RA
TE
ANNU
AL
PREM
IUM
AMOUNT OF
INSURANCE
RA
TE
ANNU
AL
PREM
IUM
PREM.
REDUCTIO
N/
INCREASE
TOTAL
AMOUNT
OF
INSURAN
CE

BUILDI
NG
      700,000
.25
      1,750
50,000
.08
      40
0
750,000
      1,790
CONTE
NTS
      20,000
.41
      82
80,000
.12
      96
0
100,000
      178
RATE TYPE: (ONE BUILDING PER
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
      1,968
? MANUAL         ? SUBMIT FOR RATING
OPTION:
ICC PREMIUM
      6
? ALTERNATIVE          ? V-ZONE RISK
RATING FORM
? CREDIT
CARD
SUBTOTAL
      1,974
? MORTGAGE PORTFOLIO PROTECTION
PROGRAM
? OTHER:
CRS PREMIUM
DISCOUNT                    %
?
? PROVISIONAL RATING

SUBTOTAL
      1,974
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY
KNOWLEDGE. I UNDERSTAND THAT
PROBATION
SURCHARGE
?
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR
IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
FEDERAL POLICY FEE
      330
SIGNATURE OF INSURANCE AGENT/BROKER     DATE
(MM/DD/YY)
TOTAL PREPAID
AMOUNT
      2,304

Premium Calculation:
1.    Multiply Rate x $100 of Coverage:       Building:    $1,790 /
Contents: $178
2.    Apply Deductible Factor:    Building:   1.000 x $1,790 = $1,790 /
Contents: 1.000 x $178 =
$178
3.    Premium Reduction/Increase: Building:   $0   /   Contents:   $0
4.    Subtotal: $1,968
5.    Add ICC Premium: $6
6.    Subtract CRS Discount:      N/A
7.    Subtotal: $1,974
8.    Probation Surcharge:   N/A
9.    Add Federal Policy Fee:     $330
10.   Total Prepaid Amount: $2,304

CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION
Claim Payment is determined as follows:

(Insurance    Carried)     750,000    x      (Amount   of   Loss)   300,000   =
(Limit of     Recovery)    251,116 - Less
Deductible
(Insurance    Required)    896,000

(Coinsurance Penalty applies because minimum insurance amount of $896,000
was not met.)


CONDOMINIUM   RATING      EXAMPLE    4

POST-FIRM, LOW-RISE, STANDARD DEDUCTIBLE, ZONE AE

      Regular Program
?     Building Coverage:      $600,000
?     Contents Coverage:      $15,000
?     Condominium Type:       Low-rise
?     Flood Zone:       AE
?     Occupancy: Other Residential
?     # of Units: 6
?     Date of Construction:         Post-FIRM
?     Building Type: 3 Floors, Townhouse,          No Basement/Enclosure
?     Deductible: $500/$500
?     Deductible Factor:      1.000
?     Replacement Cost:       $600,000
?     Elevation Difference: +2
?     80% Coinsurance Amount:       $480,000
?     ICC Premium:      $6 ($30,000 Coverage)
?     CRS Rating:       N/A
?     CRS Discount:     N/A

Determined    Rates:
Building:     .18/.08      Contents:     .38/.12

COVER
AGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY)
DEDUCTIB
LE
BASIC
AND
ADDITIO
NAL
TOTAL
PREMI
UM

AMOUNT
OF
INSURANC
E
RA
TE
ANNU
AL
PREM
IUM
AMOUNT OF
INSURANCE
RA
TE
ANNU
AL
PREM
IUM
PREM.
REDUCTI
ON/
INCREASE
TOTAL
AMOUNT
OF
INSURA
NCE

BUILDI
NG
      300,000
.18
      540
      300,000
.08
240
0
      600,000
      780
CONTE
NTS
      15,000
.38
      57
      0
.12

0
      15,000
      57
RATE TYPE: (ONE BUILDING PER
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
      837
? MANUAL         ? SUBMIT FOR RATING
OPTION:
ICC PREMIUM
      6
? ALTERNATIVE          ? V-ZONE RISK
RATING FORM
? CREDIT
CARD
SUBTOTAL
      843
? MORTGAGE PORTFOLIO PROTECTION
PROGRAM
? OTHER:
CRS PREMIUM
DISCOUNT
%
?
? PROVISIONAL RATING

SUBTOTAL
      843
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY
KNOWLEDGE. I UNDERSTAND THAT
PROBATION
SURCHARGE
?
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR
IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
FEDERAL POLICY FEE
      150
SIGNATURE OF INSURANCE AGENT/BROKER     DATE
(MM/DD/YY)
TOTAL PREPAID
AMOUNT
      993

Premium Calculation:
1.    Multiply Rate x $100 of Coverage:       Building:    $780    /
Contents: $57
2.    Apply Deductible Factor:    Building:   1.000 x $780 = $780       /
Contents: 1.000 x $57 = $57
3.    Premium Reduction/Increase: Building:   $0   /   Contents:   $0
4.    Subtotal: $837
5.    Add ICC Premium: $6
6.    Subtract CRS Discount: N/A
7.    Subtotal: $843
8.    Probation Surcharge:   N/A
9.    Add Federal Policy Fee:          $150
10.   Total Prepaid Amount: $993

CLAIMS   ADJUSTMENT     WITH   COINSURANCE    PROVISION

Coinsurance Penalty does not apply since the minimum insurance amount of
80% was met.



CONDOMINIUM   RATING     EXAMPLE   5

PRE-FIRM, HIGH-RISE, STANDARD DEDUCTIBLE, COINSURANCE PENALTY, ZONE A

      Regular Program
?     Building Coverage:      $1,110,000
?     Contents Coverage:      $100,000
?     Condominium Type:       High-rise
?     Flood Zone:       A
?     Occupancy: Other Residential
?     # of Units: 50
?     Date of Construction:         Pre-FIRM
?     Building Type: 3 or More Floors, No Basement/Enclosure
?     Deductible: $1,000/$1,000
?     Deductible Factor:      1.000
?     Replacement Cost:       $1,500,000
?     Elevation Difference: N/A
?     80% Coinsurance Amount:       $1,200,000
?     ICC Premium:      $75 ($30,000 Coverage)
?     CRS Rating:       5
?     CRS Discount:     25%

Determined    Rates:
Building:     .85/.14     Contents:     .96/.41

COVER
AGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY)
DEDUC
TIBLE
BASIC
AND
ADDITIO
NAL
TOTAL
PREMIU
M

AMOUNT
OF
INSURANC
E
RAT
E
ANNU
AL
PREM
IUM
AMOUNT OF
INSURANCE
RAT
E
ANN
UAL
PRE
MIUM
PREM.
REDUC
TION/
INCREA
SE
TOTAL
AMOUNT
OF
INSURAN
CE

BUILDI
NG
      150,000
.85
1,275
960,000
.14
      1,344
0
1,110,00
0
      2,619
CONTE
NTS
      20,000
.96
      192
80,000
.41
      328
0
100,000
      520
RATE TYPE: (ONE BUILDING PER
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
      3,139
? MANUAL         ? SUBMIT FOR RATING
OPTION:
ICC PREMIUM
      75
? ALTERNATIVE          ? V-ZONE RISK
RATING FORM
? CREDIT
CARD
SUBTOTAL
      3,214
? MORTGAGE PORTFOLIO PROTECTION
PROGRAM
? OTHER:
CRS PREMIUM
DISCOUNT             25%
      -804
? PROVISIONAL RATING

SUBTOTAL
      2,410
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY
KNOWLEDGE. I UNDERSTAND THAT
PROBATION
SURCHARGE
?
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR
IMPRISONMENT UNDER APPLICABLE   FEDERAL LAW.
FEDERAL POLICY FEE
      630
SIGNATURE OF INSURANCE AGENT/BROKER     DATE
(MM/DD/YY)
TOTAL PREPAID
AMOUNT
      3,040

Premium Calculation:
1.    Multiply Rate x $100 of Coverage:      Building: $2,619 /
Contents: $520
2.    Apply Deductible Factor:    Building: 1.000 x $2,619 = $2,619            /
Contents: 1.000 x $520 =
$520
3.    Premium Reduction/Increase: Building: $0 / Contents: $0
4.    Subtotal: $3,139
5.    Add ICC Premium: $75
6.    Subtract CRS Discount:      - $804 (25%)
7.    Subtotal: $2,410
8.    Probation Surcharge:   N/A
9.    Add Federal Policy Fee:     $630
10.   Total Prepaid Amount: $3,040

CLAIMS ADJUSTMENT WITH COINSURANCE PROVISION
Claim Payment is determined as follows:

(Insurance   Carried)    1,110,000 x      (Amount   of   Loss)   200,000   =
(Limit of    Recovery)   185,000 - Less
Deductible
(Insurance    Required)    1,200,000

(Coinsurance Penalty applies because minimum insurance amount of
$1,200,000 was not met.)


CONDOMINIUM   RATING      EXAMPLE   6

PRE-FIRM, HIGH-RISE, BASEMENT, MAXIMUM DISCOUNT, ZONE AE

      Regular Program
?     Building Coverage:      $3,000,000
?     Contents Coverage:      $100,000
?     Condominium Type:       High-rise
?     Flood Zone:       AE
?     Occupancy: Other Residential
?     # of Units: 50
?     Date of Construction:         Pre-FIRM
?     Building Type: 3 or More Floors, including Basement
?     Deductible: $5,000/$5,000
?     Deductible Factor:      .920 (Maximum Total Discount of $276
applies)
?     Replacement Cost:       $3,750,000
?     Elevation Difference: N/A
?     80% Coinsurance Amount:       $3,000,000
?     ICC Premium:      $75 ($30,000 Coverage)
?     CRS Rating:       8
?     CRS Discount:     10%

Determined    Rates:
Building:     .90/.23      Contents:    .96/.50

COVER
AGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM
ONLY)
DEDUCTIB
LE
BASIC
AND
ADDITIO
NAL
TOTAL
PREMI
UM

AMOUNT
OF
INSURANC
E
RA
TE
ANNU
AL
PREM
IUM
AMOUNT OF
INSURANCE
RA
TE
ANNU
AL
PREM
IUM
PREM.
REDUCTIO
N/
INCREASE
TOTAL
AMOUNT
OF
INSURAN
CE

BUILDI
NG
       150,000
.90
1,350
       2,850,000
.23
       6,555
       -276
3,000,000
       7,629
CONTE
NTS
       20,000
.96
   192
       80,000
.50
    400
       0
100,000
       592
RATE TYPE: (ONE BUILDING PER
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
       8,221
? MANUAL         ? SUBMIT FOR RATING
OPTION:
ICC PREMIUM
       75
? ALTERNATIVE          ? V-ZONE RISK
RATING FORM
? CREDIT
CARD
SUBTOTAL
      8,296
? MORTGAGE PORTFOLIO PROTECTION
PROGRAM
? OTHER:
CRS PREMIUM
DISCOUNT                  10%
      -830
? PROVISIONAL RATING

SUBTOTAL
      7,466
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY
KNOWLEDGE. I UNDERSTAND THAT
PROBATION
SURCHARGE
?
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR
IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
FEDERAL POLICY FEE
      630
SIGNATURE OF INSURANCE AGENT/BROKER     DATE
(MM/DD/YY)
TOTAL PREPAID
AMOUNT
      8,096

Premium Calculation:
1.    Multiply Rate x $100 of Coverage:        Building: $7,905 /
Contents: $592
2.    Apply Deductible Factor:     Building: .920 x $7,905 = $7,273   /
Contents: .920 x $592 =
$545
3.    Premium Reduction:     Building: $276 (maximum discount since
$7,705 - $7,273 =
$632
                   exceeds the maximum) / Contents: $0
4.    Subtotal: $8,221
5.    Add ICC Premium: $75
6.    Subtract CRS Discount:       -$830 (10%)
7.    Subtotal: $7,466
8.    Probation Surcharge:   N/A
9.    Add Federal Policy Fee:      $630
10.   Total Prepaid Amount: $8,096

CLAIMS   ADJUSTMENT   WITH   COINSURANCE   PROVISION

Coinsurance Penalty does not apply since the minimum insurance amount of
80% was met.
NOTE: The NFIP accepts premium only in whole dollars. If the discount for
an optional deductible does
not result in
      a whole dollar premium, round up if 50¢ or more; round down if
less. Always submit gross
premium.


CONDOMINIUM   RATING      EXAMPLE   7

POST-FIRM, HIGH-RISE, STANDARD DEDUCTIBLE, ZONE AE

     Regular Program
?    Building Coverage:      $12,000,000
?    Contents Coverage:      $15,000
?    Condominium Type:       High-rise
?    Flood Zone:       AE
?    Occupancy: Other Residential
?    # of Units: 100
?    Date of Construction:         Post-FIRM
?    Building Type: 3 or More Floors, No Basement/Enclosure
?    Deductible: $500/$500
?    Deductible Factor:      1.000
?    Replacement Cost:       $15,000,000
?    Elevation Difference: 0
?    80% Coinsurance Amount:       $12,000,000
?    ICC Premium:      $6 ($30,000 Coverage)
?    CRS Rating:       9
?    CRS Discount:     5%

Determined    Rates:
Building:      1.30/.04    Contents:    .72/.12

COVER
AGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY)
DEDUC
TIBLE
BASIC
AND
ADDITIO
NAL
TOTAL
PREMIU
M

AMOUNT
OF
INSURANC
E
RA
TE
ANNU
AL
PREM
IUM
AMOUNT OF
INSURANCE
RAT
E
ANNU
AL
PREM
IUM
PREM.
REDUC
TION/
INCREA
SE
TOTAL
AMOUNT
OF
INSURAN
CE

BUILDI
NG
      150,000
1.3
0
        1,950
      11,850,000
.04
4,740
0
12,000,00
0
      6,690
CONTE
NTS
      15,000
.72
    108
      0
.12

0
15,000
      108
RATE TYPE: (ONE BUILDING PER
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
      6,798
? MANUAL         ? SUBMIT FOR RATING
OPTION:
ICC PREMIUM
      6
? ALTERNATIVE          ? V-ZONE RISK
RATING FORM
? CREDIT
CARD
SUBTOTAL
      6,804
? MORTGAGE PORTFOLIO PROTECTION
PROGRAM
? OTHER:
CRS PREMIUM
DISCOUNT             5%
      -340
? PROVISIONAL RATING

SUBTOTAL
      6,464
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY
KNOWLEDGE. I UNDERSTAND THAT
PROBATION
SURCHARGE
?
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR
IMPRISONMENT UNDER APPLICABLE   FEDERAL LAW.
FEDERAL POLICY FEE
      630
SIGNATURE OF INSURANCE AGENT/BROKER     DATE
(MM/DD/YY)
TOTAL PREPAID
AMOUNT
      7,094

Premium Calculation:
1.    Multiply Rate x $100 of Coverage:       Building: $6,690 /
Contents: $108
2.    Apply Deductible Factor:    Building: 1.000 x $6,690 = $6,690   /
Contents: 1.000 x $108 =
$108
3.    Premium Increase: Building: $195 / Contents: $0
4.    Subtotal: $6,798
5.    Add ICC Premium: $6
6.    Subtract CRS Discount:      - $340 (5%)
7.    Subtotal: $6,464
8.    Probation Surcharge:    N/A
9.    Add Federal Policy Fee:     $630
10.   Total Prepaid Amount: $7,094

CLAIMS   ADJUSTMENT   WITH   COINSURANCE   PROVISION

Coinsurance Penalty does not apply since the minimum insurance amount of
80% was met.
NOTE: The NFIP accepts premium only in whole dollars. If the discount for
an optional deductible does
not result in
      a whole dollar premium, round up if 50¢ or more; round down if
less. Always submit gross
premium.



CONDOMINIUM RATING     EXAMPLE   8

PRE-FIRM, HIGH-RISE, ENCLOSURE, MAXIMUM DISCOUNT, COINSURANCE PENALTY,
ZONE AE

      Regular Program
?     Building Coverage:      $4,000,000
?     Contents Coverage:      $100,000
?     Condominium Type:       High-rise
?     Flood Zone:       AE
?     Occupancy: Other Residential
?     # of Units: 200
?     Date of Construction:         Pre-FIRM
?     Building Type: 3 or More Floors, Including Enclosure
?     Deductible: $2,000/$2,000
?     Deductible Factor:      .980 (Maximum Total Discount of $111
applies)
?     Replacement Cost:       $18,000,000
?     Elevation Difference: N/A
?     80% Coinsurance Amount:       $14,400,000
?     ICC Premium:      $75 ($30,000 Coverage)
?     CRS Rating:       N/A
?     CRS Discount:     N/A

Determined   Rates:
Building:    .90/.14     Contents:   .96/.60

COVER
AGE
BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM ONLY)
DEDUCTI
BLE
BASIC
AND
ADDITIO
NAL
TOTAL
PREMI
UM

AMOUNT
OF
INSURANC
E
RA
TE
ANNU
AL
PREM
IUM
AMOUNT OF
INSURANCE
RA
TE
ANNU
AL
PREMI
UM
PREM.
REDUCTI
ON/
INCREAS
E
TOTAL
AMOUNT
OF
INSURAN
CE

BUILDI
NG
      150,000
      .90
1,350
      3,850,000
.14
      5,390
      -111
      4,000,000
      6,629
CONTE
NTS
      20,000
      .96
   192
      80,000
.60
      480
      0
      100,000
      672
RATE TYPE: (ONE BUILDING PER
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
      7,301
? MANUAL         ? SUBMIT FOR RATING
OPTION:
ICC PREMIUM
      75
? ALTERNATIVE          ? V-ZONE RISK
RATING FORM
? CREDIT
CARD
SUBTOTAL
      7,376
? MORTGAGE PORTFOLIO PROTECTION
PROGRAM
? OTHER:
CRS PREMIUM
DISCOUNT
%
?
? PROVISIONAL RATING

SUBTOTAL
      7,376
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY
KNOWLEDGE. I UNDERSTAND THAT
PROBATION
SURCHARGE
?
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR
IMPRISONMENT UNDER APPLICABLE FEDERAL LAW.
FEDERAL POLICY FEE
      630
SIGNATURE OF INSURANCE AGENT/BROKER     DATE
(MM/DD/YY)
TOTAL PREPAID
AMOUNT
      8,006

Premium Calculation:
1.    Multiply Rate x $100 of Coverage:      Building: $6,740 /
Contents: $672
2.    Apply Deductible Factor:     Building: .980 x $6,740 = $6,605   /
Contents: .980 x $672 =
$659
3.    Premium Reduction:     Building: $111 (maximum discount since
$6,740 - $6,605 =
$135
                   exceeds the maximum) / Contents: $0
4.    Subtotal: $7,301
5.    Add ICC Premium: $75
6.    Subtract CRS Discount:       N/A
7.    Subtotal: $7,376
8.    Probation Surcharge:   N/A
9.    Add Federal Policy Fee:      $630
10.   Total Prepaid Amount: $8,006

CLAIMS   ADJUSTMENT   WITH   COINSURANCE   PROVISION
Claim Payment is determined as follows:

(Insurance Carried)      4,000,000 x      (Amount of Loss)   1,000,000 =
(Limit of Recovery) 277,778 - Less
Deductible
(Insurance Required) 14,400,000

(Coinsurance Penalty applies because minimum insurance amount of
$14,400,000 was not met.)


LOWEST FLOOR GUIDE



X.   USING THE LOWEST FLOOR GUIDE

This section is to be used as a guide for
identifying the lowest floor for rating buildings
being considered for coverage under the
National Flood Insurance Program. The
comments accompanying each building drawing
provided in this section will assist the producer
in developing the proper rate for the building.
Some special considerations to keep in mind
are:

?     Buildings constructed prior to publication of
the initial Flood Insurance Rate Map (Pre-
FIRM) can, at the option of the insured, be
elevation rated using Post-FIRM rates. The
insured may select the more advantageous
rate.

?     An elevated building with an enclosure
below the elevated floor with proper
openings in the enclosure can be rated
using the elevated floor as the lowest floor.
(For elevated buildings with proper openings
in the enclosure, the application should
indicate "No" for enclosure.) This rule
applies to buildings in Zones A, A1-A30, AE,
AO, AH, AR, and AR Dual.

All enclosures (including an elevator shaft or
a crawl space) below the lowest elevated
floor must be designed to automatically
equalize hydrostatic flood forces on exterior
walls by allowing for the entry and exit of
floodwaters. A minimum of two openings,
with positioning on at least two walls, having
a total net area of not less than 1 square
inch for every square foot of enclosed area
must be provided. The bottom of all
openings must be no higher than 1 foot
above the grade underneath the openings.

?     As an alternative to the proper openings
described above, a registered professional
engineer or architect may certify that the
openings are designed to automatically
equalize hydrostatic flood forces on exterior
walls by allowing for the entry and exit of
floodwaters. For acceptable certifications,
refer to FEMA Technical Bulletin 1-93,
"Openings in Foundation Walls."

?     An Elevation Certificate is required if the
building is Post-FIRM and located in a
Special Flood Hazard Area (SFHA) or is a
Pre-FIRM building opting for Post-FIRM
rates.



?     If a building elevated on a crawl space is
located in an A zone (any flood zone
beginning with the letter A) and has an
attached garage, use the following
guidelines to determine the lowest floor for
rating:

-     Use the top of the crawl space (under-floor
space) floor or the garage floor, whichever
is lower, if neither the crawl space nor the
garage has proper openings (flood vents);
or

-     Use the top of the crawl space floor, if the
only area that has proper openings (flood
vents) is the garage; or

-     Use the top of the garage floor, if the only
area that has proper openings (flood
vents) is the crawl space; or

-     Use the top of the finished floor (habitable
floor), if both the crawl space and the
garage have proper openings (flood
vents).

?     If the building is Post-FIRM construction
located in flood Zone A, check with the
community official to determine if there is an
estimated Base Flood Elevation. If available,
an Elevation Certificate that certifies the
lowest floor elevation must be submitted.
XI.   LOWEST FLOOR DETERMINATION

The following guidance will help insurance
agents determine the lowest floor so that the
appropriate rate can be applied.

In a non-elevated building, the lowest floor used
for rating is the building's lowest floor including a
basement, if any.

If a dwelling located in an A zone (any flood
zone beginning with the letter A) has an
attached garage, and the floor level of the
garage is below the level of the dwelling, and
there is machinery/equipment on the floor of the
garage that is below the BFE, the lowest floor is
the garage floor unless the garage is properly
vented.

In an elevated building, the lowest floor used for
rating is the lowest elevated floor, with the
following exceptions:

?     If a building located in an A zone (any flood
zone beginning with the letter A) has an
enclosure below the elevated floor, the


enclosure floor becomes the lowest floor for
rating if any of the following conditions
exists:

-     The enclosed space is finished (having
more than 20 linear feet of finished wall-
paneling, etc.); or

-     The enclosed space is used for other
than building access (stairwells,
elevators, etc.), parking, or storage; or

-     The enclosed space has no proper
openings. See "Proper Openings " in the
Definitions section.

?     In Zones V, VE, and V1-V30, the floor of an
enclosed area below the lowest elevated
floor is the building's lowest floor if one or
more of the following conditions are met
(Also see "D. Post-'81 V Zone Optional
Rating" on page RATE 23.):

-     The enclosed space is finished (having
more than 20 linear feet of finished wall-
paneling, etc.); or

-     The enclosed space is used for other
than building access (stairwells,
elevators, etc.), parking, or storage; or



-     The enclosed space is of any size, and
there is machinery or equipment below
the Base Flood Elevation located inside
or outside the enclosed space.
(Machinery or equipment is defined as
building items permanently affixed to the
building and that provide utility services
for the building—i.e., furnaces, hot water
heaters, heat pumps, air conditioners,
and elevators and their associated
equipment. Washers, dryers, and food
freezers are contents items and are not
considered machinery or equipment.); or

-     The enclosed space is constructed with non-
breakaway walls (A non-breakaway
wall is defined as a wall that is
attached to the structural support of
the building and is not designed or
constructed to collapse under
specific lateral loading forces. This
type of construction endangers the
foundation system of the building.);
or

-     The enclosed space is 300 square feet or
more and has breakaway walls; or

-     The enclosed space has load-bearing
(supporting) walls.
XII.   SPECIFIC BUILDING DRAWINGS


Table of Contents


SECTION

          PAGE


Elevated Buildings for Pre- and Post-FIRM
Risks in Flood Zones B, C, X, A99, and D             LFG 9 - LFG 11


Non-Elevated Buildings for Pre- and Post-FIRM
Risks in Flood Zones B, C, X, A99, and D             LFG 12 - LFG 13


Elevated Buildings for Pre- and Post-FIRM
Risks in Flood Zones A, AO, and AH              LFG 14 - LFG 18


Non-Elevated Buildings for Pre- and Post-FIRM
Risks in Flood Zones A, AO, and AH            LFG 19 - LFG 21


Non-Elevated Buildings for Pre- and Post-FIRM Risks in
Flood Zones AE and A1-A30         LFG 22 - LFG 27


Elevated Buildings for Pre- and Post-FIRM Risks in Flood
Zones AE and A1-A30          LFG 28 - LFG 38


Non-Elevated Buildings for Pre- and Post-FIRM Risks with
Construction Dates of 1975 to September 30, 1981, in
Flood Zones VE and V1-V30         LFG 39 - LFG 42


Elevated Buildings for Pre- and Post-FIRM Risks with
Construction Dates of 1975 to September 30, 1981, in
Flood Zones VE and V1-V30         LFG 43 - LFG 51


Elevated Buildings for Post-FIRM Risks in Flood Zones
VE and V1-V30, Construction Date October 1, 1981, and After         LFG
52 - LFG 59




ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D


1    LF?Lowest Floor                    4 HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation                  5 See page LFG 1 for
optional elevation rating
3   See page LFG 1 for explanation of proper openings    6 Non-elevated
buildings with construction
                                      dates of October 1, 1981, and after
are Submit-for-Rate

NOTE:   Above references may not apply to this page.

Building Description
One floor and unfinished enclosed area
Elevating Foundation of
Building
Piers, posts, piles, or columns
Type of Enclosure
Designed with proper openings3
Machinery or Equipment
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating
No Elevation Certificate Required
Application Should Show
Building Type? One floor
Is Building Elevated?? Yes
Is area below the elevated floor enclosed?? No
Pre-FIRM Rating
Use Pre-FIRM rate table no basement/enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table no basement/enclosure category.

ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D


1    LF?Lowest Floor                    4 HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation                  5 See page LFG 1 for
optional elevation rating
3   See page LFG 1 for explanation of proper openings   6 Non-elevated
buildings with construction
                                       dates of October 1, 1981, and after
are Submit-for-Rate

NOTE:   Above references may not apply to this page.

Building Description
Two floors and unfinished enclosed area
Elevating Foundation of
Building
Solid perimeter load-bearing walls. No openings
Type of Enclosure
Unfinished crawl space and garage
Machinery or Equipment
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating
No Elevation Certificate Required
Application Should Show
Building Type? Three or more floors
Is Building Elevated?? Yes
Is area below the elevated floor enclosed?? Yes
Pre-FIRM Rating
Use Pre-FIRM rate table with enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table with basement/enclosure category.

ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D


1   LF? Lowest Floor                   4 HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation                 5 See page LFG 1 for
optional elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                     dates of October 1, 1981, and after
are Submit-for-Rate

NOTE:   Above references may not apply to this page.

Building Description
One floor and finished or unfinished enclosed area
Elevating Foundation of
Building
Piers, posts, piles, or columns
Type of Enclosure
Nonload-bearing walls
No proper openings3
Machinery or Equipment
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating
No Elevation Certificate Required
Application Should Show
Building Type? Two floors
Is Building Elevated?? Yes
Is area below the elevated floor enclosed?? Yes
Pre-FIRM Rating
Use Pre-FIRM rate table with enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table with basement/enclosure category.

NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D


1   LF?Lowest Floor                          4 HAG?Highest Adjacent
Grade
2   BFE?Base Flood Elevation                 5 See page LFG 1 for
optional elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                     dates of October 1, 1981, and after
are Submit-for-Rate

NOTE:   Above references may not apply to this page

Building Description
One floor on slab
Machinery or Equipment
Servicing Building
N/A
Lowest Floor for Rating
No Elevation Certificate Required
Application Should Show
Building Type? One floor
Basement? None
Is Building Elevated? ? No
Pre-FIRM Rating
Use Pre-FIRM rate table no basement/enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table no basement/enclosure category.



NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D


1   LF?Lowest Floor                          4 HAG?Highest Adjacent
Grade
2   BFE?Base Flood Elevation                 5 See page LFG 1 for
optional elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                     dates of October 1, 1981, and after
are Submit-for-Rate
NOTE:   Above references may not apply to this page.

Building Description
One floor with finished or unfinished basement
Machinery or Equipment
Servicing Building
With or without machinery or equipment in basement
Lowest Floor for Rating
No Elevation Certificate Required
Application Should Show
Building Type?Two floors
Basement?Finished or unfinished
Is Building Elevated??No
Pre-FIRM Rating
Use Pre-FIRM rate table with basement category.
Post-FIRM Rating
Use Post-FIRM rate table with basement/enclosure category.



ELEVATED BUILDINGS
I.    PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH


1   LF?Lowest Floor                          4 HAG?Highest Adjacent
Grade
2   BFE?Base Flood Elevation                 5 See page LFG 1 for
optional elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                     dates of October 1, 1981, and after
are Submit-for-Rate

Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:   Above references may not apply to this
page.

Building Description
One floor without enclosed area (See Elevation Certificate, Diagram 5)
Elevating Foundation of
Building
Piers, posts, piles, or columns
Type of Enclosure
No enclosure
Machinery or Equipment
Servicing Building
None
Lowest Floor for Rating
Top of lowest elevated floor
Application Should Show
Building Type— One floor
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— No
Pre-FIRM Rating5
AO Zone: If difference between LF1 and HAG4 is equal to or greater than
Base Flood Depth, use with certification
rate. If not, use Pre-FIRM rate table no basement/enclosure category.
AH Zone: If LF1 elevation is equal to or greater than BFE2, use with
certification rate. If LF1 elevation is less than
BFE2, use Pre-FIRM rate table .
A Zone with estimated BFE2: If LF1 elevation is equal to or greater than
the estimated BFE2, use Post-FIRM rate
table with the estimated base flood elevation category. If LF1 elevation
is less than BFE2, use Pre-FIRM rate
table no basement/enclosure category.
A Zone without estimated BFE2: If difference between the LF1 and HAG4 is
2 ft. or more, use Post-FIRM no
estimated base flood elevation rate table. If the difference is 1 ft. or
less, use Pre-FIRM rate table no
basement/enclosure category.
.
Post-FIRM Rating
AO Zone: If difference between LF1 and HAG4 is equal to or greater than
Base Flood Depth, use with certification
rate. If not, use without certification rate.
AH Zone: If LF1 elevation is greater than or equal to BFE2, use with
certification rate. If not, use without
certification rate.
A Zone with estimated BFE2: Use Post-FIRM rate table with the estimated
base flood elevation category. If LF1
elevation is 2 or more feet below the estimated BFE2, submit the
application to the NFIP for a rate.
A Zone without estimated BFE2: If difference between the LF1 and HAG4 is
1 ft. or more, use Post-FIRM rate
table no estimated base flood elevation category. If difference is 0 or
less, submit the application to the NFIP for
a rate.

ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH


1    LF?Lowest Floor                   4 HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation           5 See page LFG 1 for optional
elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                     dates of October 1, 1981, and after
are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate
NOTE: Above references may not apply to
this page.
Building Description
One floor and unfinished enclosed area (See Elevation Certificate,
Diagram 6)
Elevating Foundation of
Building
Piers, posts, piles, or columns
Type of Enclosure
Designed with proper openings3
Machinery or Equipment
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating
Top of next higher floor
Application Should Show
Building Type— One floor
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— No
Pre-FIRM Rating5
AO Zone: If difference between LF1 and HAG4 is equal to or greater than
Base Flood Depth, use with certification
rate. If not, use Pre-FIRM rate table no basement/enclosure category.
AH Zone: If LF1 elevation is equal to or greater than BFE2, use with
certification rate. If LF1 elevation is less than
BFE2, use Pre-FIRM rate table
A Zone with estimated BFE2: If LF1 elevation is equal to or greater than
the estimated BFE2, use Post-FIRM rate
table with the estimated base flood elevation category. If LF1
elevation is less than BFE2, use Pre-FIRM rate
table no basement/enclosure category.
A Zone without estimated BFE2: If difference between the LF1 and HAG4 is
2 ft. or more, use Post-FIRM no
estimated base flood elevation rate table. If the difference is 1 ft. or
less, use Pre-FIRM rate table no
basement/enclosure category.

Post-FIRM Rating
AO Zone: If difference between LF1 and HAG4 is equal to or greater than
Base Flood Depth, use with certification
rate. If not, use without certification rate.
AH Zone: If LF1 elevation is greater than or equal to BFE2, use with
certification rate. If not, use without
certification rate.
A Zone with estimated BFE2: Use Post-FIRM rate table with the estimated
base flood elevation category. If LF1
elevation is 2 or more feet below the estimated BFE2, submit the
application to the NFIP for a rate.
A Zone without estimated BFE2: If difference between the LF1 and HAG4 is
1 ft. or more, use Post-FIRM rate table
no estimated base flood
elevation category. If the difference is 0 or less, submit the
application to the NFIP for a rate.

ELEVATED BUILDINGS
J.    PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH
1    LF?Lowest Floor                    4 HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation                  5 See page LFG 1 for
optional elevation rating
3   See page LFG 1 for explanation of proper openings    6 Non-elevated
buildings with construction
                                      dates of October 1, 1981, and after
are Submit-for-Rate

NOTE: Above references may not apply to this page.
Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate


Building Description
Two floors and unfinished enclosed area
Elevating Foundation of
Building
Solid load-bearing walls. No openings
Type of Enclosure
Unfinished crawl space and garage
Machinery or Equipment
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating
Top of bottom floor (lower of crawl space or garage)
Application Should Show
Building Type? Three or more floors
Is Building Elevated?? Yes
Is area below the elevated floor enclosed?? Yes
Pre-FIRM Rating
AO Zone: Use Pre-FIRM rate table with enclosure category.
AH Zone: Use Pre-FIRM rate table with enclosure category.
A Zone: Use Pre-FIRM rate table with enclosure category.
Post-FIRM Rating
Submit the application to the NFIP for a rate.

ELEVATED BUILDINGS
K.    PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH


1   LF?Lowest Floor                          4 HAG?Highest Adjacent
Grade
2 BFE?Base Flood Elevation                   5 See page LFG 1 for
optional elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                    dates of October 1, 1981, and after
are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate
NOTE: Above references may not apply to
this page.

Building Description
One floor and finished or unfinished enclosed area (See Elevation
Certificate, Diagram 6)
Elevating Foundation of
Building
Piers, posts, piles, or columns
Type of Enclosure
Nonload-bearing walls
No openings3
Machinery or Equipment
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating
Top of bottom floor (including basement or enclosure)
Application Should Show
Building Type— Two floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— Yes
Pre-FIRM Rating
AO Zone: Use Pre-FIRM rate table with enclosure category.
AH Zone: Use Pre FIRM rate table with enclosure category.
A Zone: Use Pre-FIRM rate table with enclosure category.
Post-FIRM Rating
Submit the application to the NFIP for a rate.


ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH


1    LF?Lowest Floor                    4 HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation                  5 See page LFG 1 for
optional elevation rating
3   See page LFG 1 for explanation of proper openings    6 Non-elevated
buildings with construction
                                      dates of October 1, 1981, and after
are Submit-for-Rate

Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate
NOTE: Above references may not apply to
this page.

Building Description
Mobile home without enclosed area
Elevating Foundation of
Building
Piers, posts, piles, or columns
Type of Enclosure
Vinyl skirting
Machinery or Equipment
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating
Top of lowest elevated floor
Application Should Show
Building Type? Mobile home
Is Building Elevated?? Yes
Is area below the elevated floor enclosed?? No
Pre-FIRM Rating5
AO Zone: If difference between LF1 and HAG4 is equal to or greater than
Base Flood Depth, use with
certification rate. If not, use Pre-FIRM rate table no
basement/enclosure category.
AH Zone: If LF1 elevation is equal to or greater than BFE2, use with
certification rate. If LF1 elevation is less
than BFE2, use Pre-FIRM rate table .
A Zone with estimated BFE2: If LF1 elevation is equal to or greater than
the estimated BFE2, use Post-FIRM rate
table with the estimated base flood elevation category. If LF1 elevation
is less than BFE2, use Pre-FIRM rate
table no basement/enclosure category.
A Zone without estimated BFE2: If difference between the LF1 and HAG4 is
2 ft. or more, use Post-FIRM no
estimated base flood elevation rate table. If the difference is 1 ft. or
less, use Pre-FIRM rate table no
basement/enclosure category.
.
Post-FIRM Rating
AO Zone: If difference between LF1 and HAG4 is equal to or greater than
Base Flood Depth, use with
certification rate. If not, use without certification rate.
AH Zone: If LF1 elevation is greater than or equal to BFE2, use with
certification rate. If not, use without
certification rate.
A Zone with estimated BFE2: Use Post-FIRM rate table with the estimated
base flood elevation category. If
LF1 elevation is 2 or more feet below the estimated BFE2, submit the
application to the NFIP for a rate.
A Zone without estimated BFE2: If difference between the LF1 and HAG4 is
1 ft. or more, use Post-FIRM rate
table no estimated base flood elevation category. If difference is 0 or
less, submit the application to the NFIP for
a rate.



NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH


1   LF?Lowest Floor                          4   HAG?Highest Adjacent
Grade
2 BFE?Base Flood Elevation                   5 See page LFG 1 for
optional elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                    dates of October 1, 1981, and after
are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE: Above references may not apply to
this page.

Building Description
One floor and finished or unfinished basement (See Elevation Certificate,
Diagram 2)
Machinery or Equipment
Servicing Building
With or without machinery or equipment in the basement
Lowest Floor for Rating
Top of bottom floor (including basement or enclosure)
Application Should Show
Building Type— Two floors
Basement— Finished or unfinished
Is Building Elevated?— No
Pre-FIRM Rating
AO Zone: Use Pre-FIRM rate table with basement category.
AH Zone: Use Pre-FIRM rate table with basement category.
A Zone: Use Pre-FIRM rate table with basement category.
Post-FIRM Rating
Submit the application to the NFIP for a rate.

NON-ELEVATED BUILDINGS
L.    PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH


1    LF?Lowest Floor                    4 HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation            5 See page LFG 1 for optional
elevation rating
3   See page LFG 1 for explanation of proper openings    6 Non-elevated
buildings with construction
                                      dates of October 1, 1981, and after
are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE: Above references may not apply to
this page.

Building Description
One floor on slab (See Elevation Certificate, Diagram 1)
Machinery or Equipment
Servicing Building
N/A
Lowest Floor for Rating
Top of bottom floor
Application Should Show
Building Type— One floor
Basement— None
Is Building Elevated?— No
Pre-FIRM Rating5
AO Zone: If difference between LF1 and HAG4 is equal to or greater than
Base Flood Depth, use with
certification rate. If not, use Pre-FIRM rate table; no
basement/enclosure category.
AH Zone: If LF1 elevation is equal to or greater than BFE2, use with
certification rate. If LF1 elevation is less
than BFE2, use Pre-FIRM rate table.
A Zone with estimated BFE2: If LF1 elevation is equal to or greater than
the estimated BFE2, use Post-FIRM
rate table with the estimated base flood elevation category. If LF1
elevation is less than BFE2, use Pre-FIRM
rate table no basement/enclosure category.
A Zone without estimated BFE2: If difference between the LF1 and HAG4 is
2 ft. or more, use Post-FIRM no
estimated base flood elevation rate table. If the difference is 1 ft. or
less, use Pre-FIRM rate table no
basement/enclosure category.
Post-FIRM Rating
AO Zone: If difference between LF1 and HAG4 is equal to or greater than
Base Flood Depth, use with
certification rate. If not, use without certification rate.
AH Zone: If LF1 elevation is greater than or equal to BFE2, use with
certification rate. If not, use without
certification rate.
A Zone with estimated BFE2: Use Post-FIRM rate table with the estimated
base flood elevation category. If
LF1 elevation is 2 or more feet below the estimated BFE2, submit the
application to the NFIP for a rate.
A Zone without estimated BFE2: If difference between the LF1 and HAG4 is
1 ft. or more, use Post-FIRM rate
table no estimated base flood elevation category. If difference is 0 or
less, submit the application to the NFIP
for a rate.

NON-ELEVATED BUILDINGS
M.    PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH

1   LF?Lowest Floor                          4 HAG?Highest Adjacent
Grade
2 BFE?Base Flood Elevation                   5 See page LFG 1 for
optional elevation rating
3 See page LFG 1 for explanation of proper openings    6 Non-elevated
buildings with construction
                                      dates of October 1, 1981, and after
are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE: Above references may not apply to
this page.

Building Description
Two floors with enclosed garage on slab (See Elevation Certificate,
Diagram 1)
Machinery or Equipment
Servicing Building
Machinery or equipment in garage.
Lowest Floor for Rating
Top of finished floor if the garage is used for parking vehicle and
storage and the machinery/equipment is at or
above the BFE, or if the
machinery/equipment is below the BFE and the garage is properly vented.
Application Should Show
Building Type—Two floors
Basement—None
Is Building Elevated?—No
Pre-FIRM Rating5
AO Zone: If difference between LF1 AND HAG4 is equal to or greater than
Base Flood Depth, use with
certification rate. If not, use Pre-FIRM rate table; no
basement/enclosure category.
AH Zone: If LF1 elevation is equal to or greater than BFE2, use with
certification rate. If LF1 elevation is less
than BFE2, use Pre-FIRM rate table.
A Zone with estimated BFE2: If LF1 elevation is equal to or greater than
the estimated BFE2, use Post-FIRM
rate table with the estimated base flood elevation category. If LF1
elevation is less than BFE2, use Pre-FIRM
rate table no basement/enclosure category.
A Zone without estimated BFE2: If difference between the LF1 and HAG4 is
2 ft. or more, use Post-FIRM no
estimated base flood elevation rate table. If the difference is 1 ft. or
less, use Pre-FIRM rate table no
basement/enclosure category.
Post-FIRM Rating
AO Zone: If difference between LF1 and HAG4 is equal to or greater than
Base Flood Depth, use with
certification rate. If not, use without certification rate.
AH Zone: If LF1 elevation is greater than or equal to BFE2, use with
certification rate. If not, use without
certification rate.
A Zone with estimated BFE2: Use Post-FIRM rate table with the estimated
base flood elevation category. If
LF1 elevation is 2 or more feet below the estimated BFE2, submit the
application to the NFIP for a rate.
A Zone without estimated BFE2: If difference between the LF1 and HAG4 is
1 ft. or more, use Post-FIRM rate
table no estimated base flood elevation category. If difference is 0 or
less, submit the application to the NFIP
for a rate.

NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30


1   LF? Lowest Floor                   4 HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation           5 See page LFG 1 for optional
elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                     dates of October 1, 1981, and after
are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE: Above references may not apply to
this page.

Building Description
One floor on slab (See Elevation Certificate, Diagram 1)
Machinery or Equipment
Servicing Building
N/A
Lowest Floor for Rating
Top of bottom floor
Application Should Show
Building Type—One floor
Basement—None
Is Building Elevated?—No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
table no basement/enclosure category.
If LF1 elevation is less than BFE2, use Pre-FIRM rate table no
basement/enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation
is 2 or more feet below the BFE2,
submit the application to the NFIP for a rate.

NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30


1   LF?Lowest Floor                          4   HAG?Highest Adjacent
Grade
2   BFE?Base Flood Elevation           5   See page LFG 1 for optional
elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                     dates of October 1, 1981, and after
are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE: Above references may not apply to
this page.

Building Description
Two floors on slab with attached garage (See Elevation Certificate,
Diagram 1)
Machinery or Equipment
Servicing Building
Machinery or equipment in garage
Lowest Floor for Rating
Top of finished floor if the garage is used for parking vehicle and
storage and the machinery/equipment is at or
above the BFE, or if the M/E is below the BFE and the garage is properly
vented.
Application Should Show
Building Type— Two floors
Basement— None
Is Building Elevated?— No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
table no basement/enclosure category.
If LF1 elevation is less than BFE2, use Pre-FIRM rate table no
basement/enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation
is 2 or more feet below the BFE2,
submit the application to the NFIP for a rate.


NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30


1    LF?Lowest Floor                    4 HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation                  5 See page LFG 1 for
optional elevation rating
3   See page LFG 1 for explanation of proper openings    6 Non-elevated
buildings with construction
                                      dates of October 1, 1981, and after
are Submit-for-Rate




Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:   Above references may not apply to this page.

Building Description
Two floors and unfinished basement/subgrade crawl space.
Basement/subgrade crawl space floor is within 2 feet below grade, and the
distance between the
basement/subgrade crawl space floor and the top of the next higher floor
is within 5 feet.
Machinery or Equipment
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating
Basement/subgrade crawl space
Application Should Show
Building Type? Three or more floors
Is Building Elevated?? No
Basement— Unfinished
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
table with basement/enclosure
category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table
with basement category.
Post-FIRM Rating
Use Post-FIRM rate table with basement/enclosure category. If LF1
elevation is 1 or more feet below the BFE2,
submit the application to the NFIP for a rate. See "G. Crawl Space" on
page RATE 24.




NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30


1    LF?Lowest Floor                    4 HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation                  5 See page LFG 1 for
optional elevation rating
3   See page LFG 1 for explanation of proper openings    6 Non-elevated
buildings with construction
                                      dates of October 1, 1981, and after
are Submit-for-Rate



Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:   Above references may not apply to this page.

Building Description
Two floors and unfinished basement/subgrade crawl space.
Basement/subgrade crawl space floor is subgrade more than 2 feet, or
subgrade within 2 feet, but the distance
between the basement/subgrade crawl space floor and the top of the next
higher floor is more than 5 feet.
Machinery or Equipment
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating
Basement/subgrade crawl space
Application Should Show
Building Type? Three or more floors
Is Building Elevated?? No
Basement— Unfinished
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
table with basement/enclosure
category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table
with basement category.
Post-FIRM Rating
Use Post-FIRM rate table with basement/enclosure category. If LF1
elevation is 2 or more feet below the BFE2,
submit the application to the NFIP for a rate.



NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30


1    LF?Lowest Floor                    4 HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation            5 See page LFG 1 for optional
elevation rating
3   See page LFG 1 for explanation of proper openings    6 Non-elevated
buildings with construction
                                      dates of October 1, 1981, and after
are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE: Above references may not apply to
this page.

Building Description
One floor with attached garage
Garage is at lower elevation than principal building area (See Elevation
Certificate, Diagram 1)
Machinery or Equipment
Servicing Building
Machinery or equipment in garage
Lowest Floor for Rating
Top of slab of principal building area only if the garage is used for
parking vehicle and storage and the
machinery/equipment is at or above the BFE, or if the M/E is below the
BFE and the garage is properly vented.
Application Should Show
Building Type— One floor
Basement— None
Is Building Elevated?— No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
table no basement/enclosure category.
If LF1 elevation is less than BFE2, use Pre-FIRM rate table no
basement/enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation
is 2 or more feet below the BFE2,
submit the application to the NFIP for a rate.

NON-ELEVATED BUILDINGS
N.    PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30


1    LF?Lowest Floor                   4 HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation           5 See page LFG 1 for optional
elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                     dates of October 1, 1981, and after
are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE: Above references may not apply to
this page.

Building Description
Split level with unfinished or finished basement (See Elevation
Certificate, Diagram 4)
Machinery or Equipment
Servicing Building
With or without machinery or equipment in basement
Lowest Floor for Rating
Top of bottom floor (including basement)
Application Should Show
Building Type— Split level
Basement— Finished or unfinished
Is Building Elevated?— No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE, use Post-FIRM rate
table with basement/enclosure
category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table
with basement category.
Post-FIRM Rating
Use Post-FIRM rate table with basement/enclosure category. If LF1
elevation is 2 or more feet below the BFE2,
submit the application to the NFIP for a rate.

ELEVATED BUILDINGS
O.    PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30


1    LF?Lowest Floor                   4 HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation           5 See page LFG 1 for optional
elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                     dates of October 1, 1981, and after
are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE: Above references may not apply to
this page.

Building Description
Two floors with walkout at ground level
Lower floor is not below grade on all sides
Principal use of the building is on the elevated floor (See Elevation
Certificate, Diagram 7)
Elevating Foundation of
Building
Solid perimeter walls
Type of Enclosure
Load-bearing walls
No openings
Finished or unfinished lower level
Machinery or Equipment
Servicing Building
With or without machinery or equipment at ground level
Lowest Floor for Rating
Top of bottom floor (enclosure)
Application Should Show
Building Type — Two floors
Is Building Elevated? — Yes
Is area below the elevated floor enclosed? — Yes
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
table with basement/enclosure
category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table
with enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table with basement/enclosure category. If LF1
elevation is 1 or more feet below the BFE2,
submit the application to the NFIP for a rate.


ELEVATED BUILDINGS
P.    PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30


1    LF? Lowest Floor                  4 HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation           5 See page LFG 1 for optional
elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                     dates of October 1, 1981, and after
are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE: Above references may not apply to
this page.

Building Description
One floor without enclosed area (See Elevation Certificate, Diagram 5)
Elevating Foundation of
Building
Piers, posts, piles, or columns
Type of Enclosure
No enclosure
Machinery or Equipment
Servicing Building
With or without machinery or equipment below the lowest elevated floor
Lowest Floor for Rating
Top of lowest elevated floor
Application Should Show
Building Type— One floor
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
table no basement/enclosure category.
If LF1 elevation is less than BFE2, use Pre-FIRM rate table no
basement/enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation
is 2 or more feet below the BFE2,
submit the application to the NFIP for a rate.

ELEVATED BUILDINGS
Q.    PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30
1   LF?Lowest Floor                          4 HAG?Highest Adjacent
Grade
2   BFE?Base Flood Elevation           5 See page LFG 1 for optional
elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                     dates of October 1, 1981, and after
are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE: Above references may not apply to
this page.

Building Description
One floor and unfinished enclosed area (See Elevation Certificate,
Diagram 6)
Elevating Foundation of
Building
Piers, posts, piles, or columns
Type of Enclosure
Designed with proper openings3
Machinery or Equipment
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating
Top of the next higher floor (elevated floor)
Application Should Show
Building Type— One floor
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
table no basement/enclosure category.
If LF1 elevation is less than BFE2, use Pre-FIRM rate table no
basement/enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation
is 2 or more feet below the BFE2,
submit the application to the NFIP for a rate.

ELEVATED BUILDINGS
R.    PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30


1    LF?Lowest Floor                    4 HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation                  5 See page LFG 1 for
optional elevation rating
3   See page LFG 1 for explanation of proper openings   6 Non-elevated
buildings with construction
                                      dates of October 1, 1981, and after
are Submit-for-Rate

NOTE: Above references may not apply to this page.
Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

Building Description
Two floors and unfinished enclosed area
Elevating Foundation of
Building
Solid load-bearing walls. No openings
Type of Enclosure
Unfinished crawl space. Enclosed garage at lower level than crawl space;
garage above lowest adjacent grade
Machinery or Equipment
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating
Top of bottom floor (garage)
Application Should Show
Building Type? Three or more floors
Is Building Elevated?? Yes
Is area below the elevated floor enclosed?? Yes
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
table with basement/enclosure
category.
If LF1 elevation is less than the BFE2, use Pre-FIRM rate table with
enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table with basement/enclosure category. If LF1
elevation is 1 or more feet below the BFE2,
submit the application to the NFIP for a rate.

ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30


1    LF? Lowest Floor                  4 HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation           5 See page LFG 1 for optional
elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                    dates of October 1, 1981, and after
are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE: Above references may not apply to
this page.
Building Description
One floor and finished or unfinished enclosed area (See Elevation
Certificate, Diagram 6)
Elevating Foundation of
Building
Piers, posts, piles, or columns
Type of Enclosure
Nonload-bearing walls
No openings3
Machinery or Equipment
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating
Top of bottom floor (including basement or enclosure)
Application Should Show
Building Type— Two floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?—Yes
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
table with basement/enclosure
category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table
with enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table with basement/enclosure category. If LF1
elevation is 1 or more feet below the BFE2,
submit the application to the NFIP for a rate.

ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30

1    LF?Lowest Floor                   4 HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation           5 See page LFG 1 for optional
elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                     dates of October 1, 1981, and after
are Submit-for-Rate



Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE: Above references may not apply to
this page.

Building Description
One floor and unfinished enclosed area (See Elevation Certificate,
Diagram 7)
Elevating Foundation of
Building
Solid perimeter load-bearing walls
Type of Enclosure
Unfinished enclosure
No proper openings3
Machinery or Equipment
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating
Top of bottom floor (including basement or enclosure)
Application Should Show
Building Type— Two floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— Yes
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
table with basement/enclosure
category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table
with enclosure category.

Post-FIRM Rating
Use Post-FIRM rate table with basement/enclosure category. If LF1
elevation is 1 or more feet below the BFE2,
submit the application to the NFIP for a rate.

ELEVATED BUILDINGS
S.    PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30


1   LF?Lowest Floor                          4 HAG?Highest Adjacent
Grade
2   BFE?Base Flood Elevation           5 See page LFG 1 for optional
elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                     dates of October 1, 1981, and after
are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

  NOTE:   Above references may not apply to this
page.

Building Description
Two floors with crawl space (See Elevation Certificate, Diagram 8)
Elevating Foundation of
Building
Solid or partial perimeter walls
Type of Enclosure
Enclosed garage at same level as crawl space
Unfinished crawl space without proper openings3
Floor of crawl space is at or above lowest adjacent grade
Machinery or Equipment
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating
Floor of crawl space and garage
Application Should Show
Building Type— Three or more floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— Yes
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
table with basement/enclosure
category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table
with enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table with basement/enclosure category. If LF1
elevation is 1 or more feet below the BFE2,
submit the application to the NFIP for a rate.

ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30

1   LF?Lowest Floor                          4 HAG?Highest Adjacent
Grade
2   BFE?Base Flood Elevation           5 See page LFG 1 for optional
elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                     dates of October 1, 1981, and after
are Submit-for-Rate




Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE: Above references may not apply to
this page.

Building Description
Two floors with crawl space (See Elevation Certificate, Diagram 8)
Elevating Foundation of
Building
Solid or partial perimeter walls
Type of Enclosure
Unfinished crawl space and garage designed with proper openings3
Floor of crawl space is at or above lowest adjacent grade
Garage at same level as crawl space
Machinery or Equipment
Servicing Building
Without machinery or equipment in crawl space
Lowest Floor for Rating
Top of next higher floor
Application Should Show
Building Type— Two floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
table no basement/enclosure category.
If LF1 elevation is less than BFE2, use Pre-FIRM rate table no
basement/enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation
is 2 or more feet below the BFE2,
submit the application to the NFIP for a rate.

ELEVATED BUILDINGS
PRE- AND POST-FIRM   RISKS IN FLOOD ZONES AE AND A1-A30

1    LF?Lowest Floor                   4 HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation           5 See page LFG 1 for optional
elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                     dates of October 1, 1981, and after
are Submit-for-Rate



Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE: Above references may not apply to
this page.

Building Description
Two floors with crawl space (See Elevation Certificate, Diagram 8)
Elevating Foundation of
Building
Solid or partial perimeter walls
Type of Enclosure
Unfinished crawl space designed with proper openings3
Floor of crawl space is at or above lowest adjacent grade
Machinery or Equipment
Servicing Building
With or without machinery or equipment in crawl space
Lowest Floor for Rating
Top of next higher floor
Application Should Show
Building Type— Two floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
table no basement/enclosure category.
If LF1 elevation is less than BFE2, use Pre-FIRM rate table no
basement/enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table no basement/enclosure category. If LF1 elevation
is 2 or more feet below the BFE2,
submit the application to the NFIP for a rate.

ELEVATED BUILDINGS
T.    PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30

1   LF?Lowest Floor                          4 HAG?Highest Adjacent
Grade
2   BFE?Base Flood Elevation           5 See page LFG 1 for optional
elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                     dates of October 1, 1981, and after
are Submit-for-Rate



Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE: Above references may not apply to
this page.

Building Description
Two floors with crawl space (See Elevation Certificate, Diagram 8)
Elevating Foundation of
Building
Solid or partial perimeter walls
Type of Enclosure
Unfinished crawl space without proper openings3
Floor of crawl space is at or above lowest adjacent grade
Machinery or Equipment
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating
Top of bottom floor (crawl space)
Application Should Show
Building Type— Three or more floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— Yes
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
table with basement/enclosure
category. If LF1 elevation is less than BFE2, use Pre-FIRM rate table
with enclosure category.
Post-FIRM Rating
Use Post-FIRM rate table with basement/enclosure category. If LF1
elevation is 1 or more feet below the BFE2,
submit the application to the NFIP for a rate.


ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1-A30
1    LF?Lowest Floor                    4 HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation                  5 See page LFG 1 for
optional elevation rating
3   See page LFG 1 for explanation of proper openings    6 Non-elevated
buildings with construction
                                      dates of October 1, 1981, and after
are Submit-for-Rate

Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate
NOTE: Above references may not apply to
this page.

Building Description
Mobile home without enclosed area
Elevating Foundation of
Building
Piers, posts, piles, or columns
Type of Enclosure
Vinyl skirting
Machinery or Equipment
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating
Top of lowest elevated floor
Application Should Show
Building Type? Mobile home
Is Building Elevated?? Yes
Is area below the elevated floor enclosed?? No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
if favorable. Manufactured (Mobile) Home
rates must be used. If LF1 elevation is less than BFE2, use Pre-FIRM rate
table no basement/enclosure category.
Post-FIRM Rating
Use Post-FIRM Manufactured (Mobile) Home rates. If LF1 elevation is 1 or
more feet below the BFE2, submit the
application to the NFIP for a rate.



NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30,
1981,
IN FLOOD ZONES VE AND V1-V306

1    LF?Lowest Floor                   4   HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation           5   See page LFG 1 for optional
elevation rating
3 See page LFG 1 for explanation of proper openings     6   Non-elevated
buildings with construction
                                      dates of October 1, 1981, and after
are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE: Above references may not apply to
this page.

Building Description
One floor
No basement (See Elevation Certificate, Diagram 1)
Lowest Floor for Rating
Bottom of slab
In V zones, the lowest floor for rating should reflect the bottom of the
lowest horizontal structural member. If the
surveyor used item C3.a in lieu of C3.c of the Elevation Certificate, and
the top of the bottom floor is at or above
grade, deduct (for 1-4 family residences) 12 inches from the elevation
figure found in item C3.a. For buildings
other than 1-4 family, deduct 18 inches from the elevation figure found
in item C3.a.
Application Should Show
Building Type— One floor
Basement— None
Is Building Elevated?— No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
if favorable. Use no
basement/enclosure rate category. If LF1 elevation is less than the BFE2,
use Pre-FIRM rate table no
basement/enclosure category.
Post-FIRM Rating 1975 to
September 30, 1981
Construction Date
Use Post-FIRM '75-'81 VE, V1-V30 Zone no basement/enclosure rates. If LF1
elevation is 2 or more feet below
the BFE2, submit the application to the NFIP for a rate.

NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30,
1981,
IN FLOOD ZONES VE AND V1-V306

1   LF?Lowest Floor                          4 HAG?Highest Adjacent
Grade
2   BFE?Base Flood Elevation           5 See page LFG 1 for optional
elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                     dates of October 1, 1981, and after
are Submit-for-Rate
Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE: Above references may not apply to
this page.

Building Description
One floor with attached garage
Garage is at lower elevation than principal building area (See Elevation
Certificate, Diagram 1)
Lowest Floor for Rating
In V zones, the lowest floor for rating should reflect the bottom of the
slab. If the surveyor used item C3. a or d
(attached garage/top of slab) in lieu of C3.c of the Elevation
Certificate, and the top of the bottom floor is at or
above the lowest adjacent grade (C3.f), deduct (for 1-4 family
residences) 12 inches from the elevation figure
found in item C3. a or d, whichever is lower. For buildings other than
1-4 family, deduct 18 inches from the
elevation figure found in item C3. a or d, whichever is lower.
Application Should Show
Building Type— One floor
Basement— None
Is Building Elevated?— No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
if favorable. Use no
basement/enclosure rate category. If LF1 elevation is less than the BFE2,
use Pre-FIRM rate table no
basement/enclosure category.
Post-FIRM Rating 1975 to
September 30, 1981
Construction Date
Use Post-FIRM '75-81 VE, V1-V30 Zone no basement/enclosure rates. If LF1
elevation is 2 or more feet below
the BFE2, submit the application to the NFIP for a rate.


NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975
TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V306

1   LF?Lowest Floor                          4   HAG?Highest Adjacent
Grade
2   BFE?Base Flood Elevation           5   See page LFG 1 for optional
elevation rating
3 See page LFG 1 for explanation of proper openings     6   Non-elevated
buildings with construction
                                     dates of October 1, 1981, and after
are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE:   Above references may not apply to this
page.

Building Description
Three floors
Finished basement (See Elevation Certificate, Diagram 2)
Lowest Floor for Rating
Bottom of slab (basement)
In V zones, the lowest floor for rating should reflect the bottom of the
lowest horizontal structural member. If the
surveyor used item C3.a in lieu of C3.c of the Elevation Certificate, and
the top of the bottom floor is indicated in
the Elevation Certificate, deduct (for 1-4 family residences) 12 inches
from the elevation figure found in item
C3.a. For buildings other than 1-4 family, deduct 18 inches from the
elevation figure found in item C3.a.
Application Should Show
Building Type— Three or more floors
Basement— Finished
Is Building Elevated?— No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
if favorable. Use with
basement/enclosure rate category. If LF1 elevation is less than the BFE2,
use Pre-FIRM rate table with
basement category.
Post-FIRM Rating 1975 to
September 30, 1981
Construction Date
Use Post-FIRM '75-'81 VE, V1-V30 Zone with basement/enclosure rates. If
LF1 elevation is 2 or more feet
below the BFE2, submit the application to the NFIP for a rate.




NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30,
1981,
IN FLOOD ZONES VE AND V1-V306

1    LF?Lowest Floor                    4   HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation            5   See page LFG 1 for optional
elevation rating
3   See page LFG 1 for explanation of proper openings    6   Non-elevated
buildings with construction
                                      dates of October 1, 1981, and after
are Submit-for-Rate
Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE: Above references may not apply to
this page.

Building Description
Split level
Unfinished basement (See Elevation Certificate, Diagram 4)
Lowest Floor for Rating
Bottom of slab (basement)
In V zones, the lowest floor for rating should reflect the bottom of the
lowest horizontal structural member. If the
surveyor used item C3.a in lieu of C3.c of the Elevation Certificate, and
the top of the bottom floor is indicated in
the Elevation Certificate, deduct (for 1-4 family residences) 12 inches
from the elevation figure found in item C3.a.
For buildings other than 1-4 family, deduct 18 inches from the elevation
figure found in item C3.a.
Application Should Show
Building Type— Split level
Basement— Unfinished
Is Building Elevated?— No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
if favorable. Use with
basement/enclosure rate category. If LF1 elevation is less than the BFE2,
use Pre-FIRM rate table with
basement category.
Post-FIRM Rating 1975 to
September 30, 1981
Construction Date
Use Post-FIRM '75-'81 VE, V1-V30 Zone with basement/enclosure rates. If
LF1 elevation is 2 or more feet
below the BFE2, submit the application to the NFIP for a rate.



U.    ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975
V.    TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30

1    LF?Lowest Floor                    4 HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation                  5 See page LFG 1 for
optional elevation rating
3   See page LFG 1 for explanation of proper openings    6 Non-elevated
buildings with construction
                                      dates of October 1, 1981, and after
are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate
NOTE:   Above references may not apply to this page.

Building Description
Two floors with walkout at ground level
Lower floor is not below grade on all sides
Principal use of the building is on the elevated floor (See Elevation
Certificate, Diagram 7)
Elevating Foundation of
Building
Solid perimeter walls
Type of Enclosure
Finished or unfinished lower level
Machinery or Equipment
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating
Bottom of slab
In V zones, the lowest floor for rating should reflect the bottom of the
lowest horizontal structural member. If the
surveyor used item C3.a in lieu of C3.c of the Elevation Certificate, and
the top of the bottom floor is at or above
the lowest adjacent grade (C3.f), deduct (for 1-4 family residences) 12
inches from the elevation figure found in
item C3.a. For buildings other than 1-4 family, deduct 18 inches from
the elevation figure found in item C3.a.
Application Should Show
Building Type — Two floors
Is Building Elevated? — Yes
Is area below the elevated floor enclosed? — Yes
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
if favorable. Use with
basement/enclosure rate category. If LF1 elevation is less than BFE2, use
Pre-FIRM rate table with enclosure
category.
Post-FIRM Rating
Use Post-FIRM rate table with basement/enclosure category. If LF1
elevation is 1 or more feet below the BFE2,
submit the application to the NFIP for a rate.



ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30,
1981,
IN FLOOD ZONES VE AND V1-V30

1   LF?Lowest Floor                          4 HAG?Highest Adjacent
Grade
2 BFE?Base Flood Elevation                   5 See page LFG 1 for
optional elevation rating
3 See page LFG 1 for explanation of proper openings    6 Non-elevated
buildings with construction
                                      dates of October 1, 1981, and after
are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE: Above references may not apply to
this page.

Building Description
One floor without enclosed area (See Elevation Certificate, Diagram 5)
Elevating Foundation of
Building
Piers, posts, piles, or columns
Type of Enclosure
The space below the lowest elevated floor either has no enclosure or has:
(1) Insect screening, provided that no additional supports are required
for the screening; or
(2) Wooden or plastic lattice with at least 40 percent of its area open
and made of material no thicker than ½ inch;
or
(3) Wooden or plastic slats or shutters with at least 40 percent of their
area open and made of material no thicker
than 1 inch.
Any of these systems must be designed and installed to collapse under
stress without jeopardizing the structural
support of the building, so that the impact on the building of abnormally
high tides or wind-driven water is
minimized. Any machinery or equipment below the lowest elevated floor
must be at or above the BFE.

Machinery or Equipment
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating
Bottom of lowest horizontal structural member
Application Should Show
Building Type— One floor
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
if favorable. Use no
basement/enclosure rate category. If LF1 elevation is less than BFE2, use
Pre-FIRM rate table no
basement/enclosure category.
Post-FIRM Rating
Use Post-FIRM '75-'81 VE, V1-V30 Zone no basement/enclosure rates. If LF1
elevation is 2 or more feet below
the BFE2, submit the application to the NFIP for a rate.


ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975
TO SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1-V30


1    LF?Lowest Floor                    4 HAG?Highest Adjacent Grade
2   BFE?Base Flood Elevation                  5 See page LFG 1 for
optional elevation rating
3   See page LFG 1 for explanation of proper openings    6 Non-elevated
buildings with construction
                                      dates of October 1, 1981, and after
are Submit-for-Rate

Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate
NOTE: Above references may not apply to
this page.

Building Description
Mobile home without enclosed area
Elevating Foundation of
Building
Piers, posts, piles, or columns
Type of Enclosure
Vinyl skirting
Machinery or Equipment
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating
Bottom of lowest horizontal structural member
Application Should Show
Building Type? Mobile home
Is Building Elevated?? Yes
Is area below the elevated floor enclosed?? No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
if favorable. Manufactured (Mobile) Home
rates must be used. If LF1 elevation is less than the BFE2, use Pre-FIRM
rate table no basement/enclosure
category.
Post-FIRM Rating
Use Post-FIRM '75-'81 VE, V1-V30 zone Manufactured (Mobile) Home rates.
If LF1 elevation is 1 or more feet
below the BFE2, submit the application to the NFIP for a rate.

ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30,
1981,
IN FLOOD ZONES VE AND V1-V30

1   LF?Lowest Floor                          4   HAG?Highest Adjacent
Grade
2 BFE?Base Flood Elevation                   5   See page LFG 1 for
optional elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                     dates of October 1, 1981, and after
are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE: Above references may not apply to
this page.

Building Description
One floor and unfinished enclosed area (See Elevation Certificate,
Diagram 6)
Elevating Foundation of
Building
Piers, posts, piles, or columns
Type of Enclosure
Enclosure (total area less than 300 sq. ft.) with breakaway walls
Machinery or Equipment
Servicing Building
No machinery or equipment below elevated floor
Lowest Floor for Rating
Bottom of lowest horizontal structural member

Application Should Show
Building Type— One floor
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— No
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
if favorable. Use no basement/enclosure
rate category. If LF1 elevation is less than BFE2, use Pre-FIRM rate
table with enclosure category and describe
the building as an elevated building with enclosure.
Post-FIRM Rating
Use Post-FIRM '75-'81 VE, V1-V30 Zone no basement/enclosure rate
category. If LF1 elevation is 2 or more feet
below the BFE2, submit the application to the NFIP for a rate.


ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30,
1981,
IN FLOOD ZONES VE AND V1-V30

1   LF?Lowest Floor                          4 HAG?Highest Adjacent
Grade
2 BFE?Base Flood Elevation                   5 See page LFG 1 for
optional elevation rating
3 See page LFG 1 for explanation of proper openings    6 Non-elevated
buildings with construction
                                      dates of October 1, 1981, and after
are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE: Above references may not apply to
this page.

Building Description
One floor and unfinished enclosed area (See Elevation Certificate,
Diagram 6)
Elevating Foundation of
Building
Piers, posts, piles, or columns
Type of Enclosure
Enclosure (total area less than 300 sq. ft.) with breakaway walls
Machinery or Equipment
Servicing Building
With machinery or equipment below elevated floor
Lowest Floor for Rating
Bottom of slab
In V zones, the lowest floor for rating should reflect the bottom of the
lowest horizontal structural member. If the
surveyor used item C3.a in lieu of C3.c of the Elevation Certificate, and
the top of the bottom floor is at or above
the lowest adjacent grade (C3.f), deduct (for 1-4 family residences) 12
inches from the elevation figure found in
item C3.a. For buildings other than 1-4 family, deduct 18 inches from
the elevation figure found in item C3.a.
Application Should Show
Building Type— Two floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— Yes
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
if favorable. Use with
basement/enclosure rate category. If LF1 elevation is less than BFE2, use
Pre-FIRM rate table with enclosure
category.
Post-FIRM Rating
Use Post-FIRM '75-'81 VE, V1-V30 Zone with basement/enclosure rate
category. If LF1 elevation is 1 or more
feet below the BFE2, submit the application to the NFIP for a rate.

ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30,
1981,
IN FLOOD ZONES VE AND V1-V30

1   LF?Lowest Floor                          4   HAG?Highest Adjacent
Grade
2 BFE?Base Flood Elevation                   5 See page LFG 1 for
optional elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                     dates of October 1, 1981, and after
are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE: Above references may not apply to
this page.

Building Description
One floor and finished or unfinished enclosed area (See Elevation
Certificate, Diagram 6)
Elevating Foundation of
Building
Piers, posts, piles, or columns
Type of Enclosure
Enclosure (total area 300 sq. ft. or more) with nonbreakaway walls or
with breakaway walls
Machinery or Equipment
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating
Bottom of slab
In V zones, the lowest floor for rating should reflect the bottom of the
lowest horizontal structural member. If the
surveyor used item C3.a in lieu of C3.c of the Elevation Certificate, and
the top of the bottom floor is at or above
the lowest adjacent grade (C3.f), deduct (for 1-4 family residences) 12
inches from the elevation figure found in
item C3.a. For buildings other than 1-4 family, deduct 18 inches from
the elevation figure found in item C3.a.
Application Should Show
Building Type— Two floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— Yes
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
if favorable. Use with
basement/enclosure rate category. If LF1 elevation is less than BFE2, use
Pre-FIRM rate table with enclosure
category.
Post-FIRM Rating
Use Post-FIRM '75-'81 VE, V1-V30 Zone with basement/enclosure rate
category. If LF1 elevation is 1 or more
feet below the BFE2, submit the application to the NFIP for a rate.

ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30,
1981,
IN FLOOD ZONES VE AND V1-V30

1   LF?Lowest Floor                          4 HAG?Highest Adjacent
Grade
2 BFE?Base Flood Elevation                   5 See page LFG 1 for
optional elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                     dates of October 1, 1981, and after
are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE: Above references may not apply to
this page.

Building Description
One floor and finished or unfinished enclosed area (See Elevation
Certificate, Diagram 6)
Elevating Foundation of
Building
Shear walls parallel to the expected flow of floodwaters
Type of Enclosure
Both ends enclosed with nonbreakaway walls or breakaway walls (total
enclosed area 300 sq. ft. or more)
Machinery or Equipment
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating
Bottom of slab
In V zones, the lowest floor for rating should reflect the bottom of the
lowest horizontal structural member. If the
surveyor used item C3.a in lieu of C3.c of the Elevation Certificate, and
the top of the bottom floor is at above the
lowest adjacent grade (C3.f), deduct (for 1-4 family residences) 12
inches from the elevation figure found in item
C3.a. For buildings other than 1-4 family, deduct 18 inches from the
elevation figure found in item C3.a.
Application Should Show
Building Type— Two floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— Yes
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
if favorable. Use with
basement/enclosure rate category. If LF1 elevation is less than BFE2, use
Pre-FIRM rate table with enclosure
category.
Post-FIRM Rating
Use Post-FIRM '75-'81 VE, V1-V30 Zone with basement/enclosure rate
category. If LF1 elevation is 1 or more
feet below the BFE2, submit the application to the NFIP for a rate.
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30,
1981,
IN FLOOD ZONES VE AND V1-V30

1   LF?Lowest Floor                          4 HAG?Highest Adjacent
Grade
2 BFE?Base Flood Elevation                   5 See page LFG 1 for
optional elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                     dates of October 1, 1981, and after
are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE: Above references may not apply to
this page.

Building Description
One floor and finished or unfinished enclosed area (See Elevation
Certificate, Diagram 7)
Elevating Foundation of
Building
Solid perimeter load-bearing walls
Type of Enclosure
Finished or unfinished enclosure
Machinery or Equipment
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating
Bottom of slab
In V zones, the lowest floor for rating should reflect the bottom of the
lowest horizontal structural member. If the
surveyor used item C3.a in lieu of C3.c of the Elevation Certificate, and
the top of the bottom floor is at or above
the lowest adjacent grade (C3.f), deduct (for 1-4 family residences) 12
inches from the elevation figure found in
item C3.a. For buildings other than 1-4 family, deduct 18 inches from
the elevation figure found in item C3.a.
Application Should Show
Building Type— Two floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— Yes
Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
if favorable. Use with
basement/enclosure rate category. If LF1 elevation is less than BFE2, use
Pre-FIRM rate table with enclosure
category.
Post-FIRM Rating
Use Post-FIRM '75-'81 VE, V1-V30 Zone with basement/enclosure rate
category. If LF1 elevation is 1 or more
feet below the BFE2, submit the application to the NFIP for a rate.

ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO SEPTEMBER 30,
1981,
IN FLOOD ZONES VE AND V1-V30

1   LF?Lowest Floor                          4 HAG?Highest Adjacent
Grade
2 BFE?Base Flood Elevation                   5 See page LFG 1 for
optional elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                     dates of October 1, 1981, and after
are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE: Above references may not apply to
this page.

Building Description
Two floors with crawl space (See Elevation Certificate, Diagram 8)
Elevating Foundation of
Building
Solid perimeter load-bearing walls
Type of Enclosure
Unfinished crawl space
Machinery or Equipment
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating
Top of the bottom floor (crawl space)

Application Should Show
Building Type— Three or more floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— Yes

Pre-FIRM Rating5
If LF1 elevation is equal to or greater than the BFE2, use Post-FIRM rate
if favorable. Use with
basement/enclosure rate category. If LF1 elevation is less than BFE2, use
Pre-FIRM rate table with enclosure
category.
Post-FIRM Rating
Use Post-FIRM '75-'81 VE, V1-V30 Zone with basement/enclosure rate
category. If LF1 elevation is 1 or more
feet below the BFE2, submit the application to the NFIP for a rate.
ELEVATED BUILDINGS
POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER
1, 1981,
AND AFTER

1   LF?Lowest Floor                          4 HAG?Highest Adjacent
Grade
2 BFE?Base Flood Elevation                   5 See page LFG 1 for
optional elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                     dates of October 1, 1981, and after
are Submit-for-Rate



Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate
NOTE: Above references may not apply to
this page.

Building Description
One floor without enclosed area (See Elevation Certificate, Diagram 5)
Elevating Foundation of
Building
Piers, posts, piles, or columns
Type of Enclosure
The space below the lowest elevated floor either has no enclosure or has:
(1) Insect screening, provided that no additional supports are required
for the screening; or
(2) Wooden or plastic lattice with at least 40 percent of its area open
and made of material no thicker than ½ inch;
or
(3) Wooden or plastic slats or shutters with at least 40 percent of their
area open and made of material no thicker
than 1 inch.
Any of these systems must be designed and installed to collapse under
stress without jeopardizing the structural
support of the building, so that the impact on the building of abnormally
high tides or wind-driven water is
minimized. Any machinery or equipment below the lowest elevated floor
must be at or above the BFE.

Machinery or Equipment
Servicing Building
No machinery or equipment below elevated floor
Lowest Floor for Rating
Bottom of lowest horizontal structural member

Application Should Show
Building Type— One floor
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— No
V-Zone Rating;
Construction Date
October 1, 1981 and After
Use 1981 Post-FIRM V1-V30, VE Zone Free of Obstruction rates. If LF1
elevation is 4 or more feet below the
BFE2, submit the application to the NFIP for a rate.

ELEVATED BUILDINGS
POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER
1, 1981,
AND AFTER

1   LF?Lowest Floor                          4 HAG?Highest Adjacent
Grade
2 BFE?Base Flood Elevation                   5 See page LFG 1 for
optional elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                     dates of October 1, 1981, and after
are Submit-for-Rate



Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate
NOTE: Above references may not apply to
this page.
Building Description
One floor without enclosed area (See Elevation Certificate, Diagram 5)
Elevating Foundation of
Building
Piers, posts, piles, or columns
Type of Enclosure
No enclosure or open-wood latticework or insect screening
Machinery or Equipment
Servicing Building
With machinery or equipment at or above BFE
Lowest Floor for Rating
Bottom of lowest horizontal structural member

Application Should Show
Building Type— One floor
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— No
V-Zone Rating;
Construction Date
October 1, 1981 and After
Use 1981 Post-FIRM V1-V30, VE Zone Free of Obstruction rates. If LF1
elevation is 4 or more feet below the
BFE2, submit the application to the NFIP for a rate.

ELEVATED BUILDINGS
POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER
1, 1981,
AND AFTER
1   LF?Lowest Floor                          4 HAG?Highest Adjacent
Grade
2 BFE?Base Flood Elevation                   5 See page LFG 1 for
optional elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                     dates of October 1, 1981, and after
are Submit-for-Rate



Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate
NOTE: Above references may not apply to
this page.
Building Description
One floor and unfinished enclosed area (See Elevation Certificate,
Diagram 6)
Elevating Foundation of
Building
Piers, posts, piles, or columns
Type of Enclosure
Enclosure (total area less than 300 sq. ft.) with breakaway walls
Machinery or Equipment
Servicing Building
Without machinery or equipment below elevated floor
Lowest Floor for Rating
Bottom of lowest horizontal structural member

Application Should Show
Building Type— Two floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— Yes
V-Zone Rating;
Construction Date
October 1, 1981 and After
Use 1981 Post-FIRM V1-V30, VE Zone With Obstruction rates. If LF1
elevation is 4 or more feet below the
BFE2, submit the application to the NFIP for a rate.

ELEVATED BUILDINGS
POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER
1, 1981,
AND AFTER

1 LF?Lowest Floor                             4 HAG?Highest Adjacent
Grade
2 BFE?Base Flood Elevation                    5 See page LFG 1 for
optional elevation rating
3 See page LFG 1 for explanation of proper openings 6 Non-elevated
buildings with construction
                                      dates of October 1, 1981, and after
are Submit-for-Rate
Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate
NOTE: Above references may not apply to
this page.

Building Description
One floor and unfinished enclosed area (See Elevation Certificate,
Diagram 6)
Elevating Foundation of
Building
Piers, posts, piles, or columns
Type of Enclosure
Enclosure (total area less than 300 sq. ft.) with breakaway walls
Machinery or Equipment
Servicing Building
With machinery or equipment below BFE
Lowest Floor for Rating
Bottom of slab
In V zones, the lowest floor for rating should reflect the bottom of the
lowest horizontal structural member. If the
surveyor used item C3.a in lieu of C3.c of the Elevation Certificate, and
the top of the bottom floor is at or above
the lowest adjacent grade, deduct (for 1-4 family residences) 12 inches
from the elevation figure found in item
C3.a. For buildings other than 1-4 family, deduct 18 inches from the
elevation figure found in item C3.a.
Application Should Show
Building Type— Two floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— Yes
V-Zone Rating;
Construction Date
October 1, 1981 and After
Submit the application to the NFIP for a rate.

ELEVATED BUILDINGS
POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER
1, 1981,
AND AFTER

1   LF?Lowest Floor                          4 HAG?Highest Adjacent
Grade
2 BFE?Base Flood Elevation                   5 See page LFG 1 for
optional elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                     dates of October 1, 1981, and after
are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate
NOTE: Above references may not apply to
this page.

Building Description
One floor and finished or unfinished enclosed area (See Elevation
Certificate, Diagram 6)
Elevating Foundation of
Building
Piers, posts, piles, or columns
Type of Enclosure
Enclosure (total area 300 sq. ft. or more) with nonbreakaway walls or
breakaway walls
Machinery or Equipment
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating
Bottom of slab
In V zones, the lowest floor for rating should reflect the bottom of the
lowest horizontal structural member. If the
surveyor used item C3.a in lieu of C3.c of the Elevation Certificate, and
the top of the bottom floor is at or above
the lowest adjacent grade (C3.f), deduct (for 1-4 family residences) 12
inches from the elevation figure found in
item C3.a. For buildings other than 1-4 family, deduct 18 inches from
the elevation figure found in item C3.a.
Application Should Show
Building Type— Two floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— Yes
V-Zone Rating;
Construction Date
October 1, 1981 and After
Submit the application to the NFIP for a rate.


ELEVATED BUILDINGS
POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER
1, 1981,
AND AFTER

1   LF?Lowest Floor                          4 HAG?Highest Adjacent
Grade
2 BFE?Base Flood Elevation                   5 See page LFG 1 for
optional elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                     dates of October 1, 1981, and after
are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate
NOTE: Above references may not apply to
this page.
Building Description
One floor and finished or unfinished enclosed area (See Elevation
Certificate, Diagram 6)
Elevating Foundation of
Building
Shear walls parallel to the expected flow of floodwaters
Type of Enclosure
Both ends enclosed with breakaway walls (total enclosed area 300 sq. ft.
or more)
Machinery or Equipment
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating
Bottom of slab
In V zones, the lowest floor for rating should reflect the bottom of the
lowest horizontal structural member. If the
surveyor used item C3.a in lieu of C3.c of the Elevation Certificate, and
the top of the bottom floor is at or above
the lowest adjacent grade (C3.f), deduct (for 1-4 family residences) 12
inches from the elevation figure found in
item C3.a. For buildings other than 1-4 family, deduct 18 inches from
the elevation figure found in item C3.a.
Application Should Show
Building Type— Two floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— Yes
V-Zone Rating;
Construction Date
October 1, 1981 and After
Submit the application to the NFIP for a rate.

ELEVATED BUILDINGS
POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER
1, 1981,
AND AFTER

1   LF?Lowest Floor                          4 HAG?Highest Adjacent
Grade
2 BFE?Base Flood Elevation                   5 See page LFG 1 for
optional elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                     dates of October 1, 1981, and after
are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate

NOTE: Above references may not apply to
this page.

Building Description
One floor and finished or unfinished enclosed area (See Elevation
Certificate, Diagram 7)
Elevating Foundation of
Building
Solid perimeter load-bearing walls
Type of Enclosure
Finished or unfinished enclosure
Machinery or Equipment
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating
Bottom of slab
In V zones, the lowest floor for rating should reflect the bottom of the
lowest horizontal structural member. If the
surveyor used item C3.a in lieu of C3.c of the Elevation Certificate, and
the top of the bottom floor is at or above
the lowest adjacent grade (C3.f), deduct (for 1-4 family residences) 12
inches from the elevation figure found in
item C3.a. For buildings other than 1-4 family, deduct 18 inches from
the elevation figure found in item C3.a.
Application Should Show
Building Type— Two floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— Yes
V-Zone Rating;
Construction Date
October 1, 1981 and After
Submit the application to the NFIP for a rate.

ELEVATED BUILDINGS
POST-FIRM RISKS IN FLOOD ZONES VE AND V1-V30— CONSTRUCTION DATE OCTOBER
1, 1981,
AND AFTER

1   LF?Lowest Floor                          4 HAG?Highest Adjacent
Grade
2 BFE?Base Flood Elevation                   5 See page LFG 1 for
optional elevation rating
3 See page LFG 1 for explanation of proper openings     6 Non-elevated
buildings with construction
                                     dates of October 1, 1981, and after
are Submit-for-Rate


Letters and numbers in parentheses, as "(C3.a),"
correspond to Section C of the Elevation Certificate
NOTE: Above references may not apply to
this page.
Building Description
Two floors with crawl space (See Elevation Certificate, Diagram 8)
Elevating Foundation of
Building
Solid perimeter load-bearing walls
Type of Enclosure
Unfinished crawl space
Machinery or Equipment
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating
Top of the bottom floor (crawl space)

Application Should Show
Building Type— Three or more floors
Is Building Elevated?— Yes
Is area below the elevated floor enclosed?— Yes
V-Zone Rating;
Construction Date
October 1, 1981 and After
Submit the application to the NFIP for a rate.


SPECIAL CERTIFICATIONS



This section presents detailed instructions for
the completion of the National Flood Insurance
Program (NFIP) Elevation Certificate and the
NFIP Floodproofing Certificates.

NOTE: When determining the lowest floor for
rating, refer to the Lowest Floor Guide
section of this manual.

XIII. NFIP ELEVATION CERTIFICATE

The current NFIP Elevation Certificate (EC)
became effective on August 1, 1999. Its use
became mandatory on October 1, 2000. Since
that date, the old EC has not been acceptable
for rating policies unless it was completed and
certified before October 1, 2000. The current EC
and Instructions are reproduced on pages
CERT 9-19.

Non-NFIP elevation certification forms certified
on or after October 1, 2000, do not satisfy NFIP
requirements and cannot be used for rating
policies.

An exception is made to this requirement when
the community official completes the old
Elevation Certificate with elevation data received
by the community before October 1, 2000. It
must be noted in the Comments area of Section
G of the Elevation Certificate that the community
had the data on file before October 1, 2000.
Elevation Certificates are required on Post-FIRM
construction, but are optional on Pre-FIRM
construction. The Elevation Certificate is
required by the NFIP to certify the lowest floor of
a building so the policy can be properly rated, as
follows:

?    All Post-FIRM structures

The Elevation Certificate is to be completed by a land
surveyor, engineer, or architect who is authorized
by state or local law to certify elevation information
when it is required for Zones A1-A30, AE, AH, A
(with Base Flood Elevations [BFEs]), V1-V30, VE,
and V (with BFEs). Community officials who are
authorized by local law or ordinance to provide
floodplain management information may also
complete this form. For Zones AO and A (without
BFEs), a building official, a property owner, or an
owner's representative may also provide the
information on this certification. Building elevation
information may be available through the
community official if the community is a CRS
participating community.

      The lowest adjacent grade and diagram number are
required for all new business applications effective
on or after October 1, 1997, if the elevation
certification date is on or after October 1, 1997.

?     Pre-FIRM structures rated under Post-FIRM
rates

      Pre-FIRM construction can be elevation rated using
the Post-FIRM Elevation Certificate rates, which
are more favorable rates if the lowest floor of the
building is at or above the BFE for the community.
In most cases, the lowest floor level of a Pre-FIRM
building is below the BFE, and it would not benefit
the insured to pay the cost for an Elevation
Certificate in an attempt to secure a lower rate. The
decision to obtain an Elevation Certificate and to
request Post-FIRM rating of a Pre-FIRM building is
an option of the insured.

?    AR and AR Dual Zones

      Elevation Certificates are optional on all Post- and
Pre-FIRM construction located in AR and AR dual
zones. The decision to obtain an Elevation
Certificate and to request Post-FIRM rating is at the
discretion of the insured. The new Elevation
Certificate includes the AR and AR dual zone
elevation requirements.
      Detailed instructions for completion are included on the
Elevation Certificate.

      The producer is to attach the original of the completed
Elevation Certificate to the Application. A photocopy
is to be forwarded to the policyholder and a copy is
retained by the producer.

XIV. USING THE ELEVATION CERTIFICATE:
SPECIAL CONSIDERATIONS

Section A – Property Owner Information

?     Section A of the EC includes the
building use. This information is helpful in
validating the data collected by the
insurance agent, and the Flood Insurance
Application information.



?     Latitude, longitude, and related information
are requested but are optional.

The information found in Section A of the
Elevation Certificate is critical, as it relates to the
insured property. Should information be missing
from Section A of the Elevation Certificate (with
the exception of optional longitude and latitude
related information), the certificate must be
returned to the surveyor, engineer, architect, or
community official who executed the form.
These individuals should be encouraged to fully
complete Section A to avoid any delay in the
effective date of the flood insurance policy.

Section B – Flood Insurance Rate Map (FIRM)
Information

The Flood Insurance Rate Map (FIRM)
information includes the following:

?    FIRM panel effective date and revised date;

?    Source of the BFE or base flood depth;

      NOTE: The same elevation datum should
be used in determining all
certification elevations as was used
in determining the BFE (i.e., NGVD
1929 or NAVD 1988).

?    Coastal Barrier Resources System (CBRS)
area or Otherwise Protected Area (OPA).

      NOTE: Refer to the Coastal Barrier
Resources System section of this
manual for flood insurance
coverage eligibility.

Section C – Building Elevation Information
(Survey Required)

Responsibilities for building elevation
information are as follows.

?     The surveyor, engineer, or architect is
required to provide a number of elevations
based on the building type selected.

?     From the elevations gathered, the insurance
agent is required to determine the lowest
floor for rating flood insurance.

As it relates to Section C of the Elevation
Certificate, information found not to be
applicable to the property being certified should
be marked NA (not applicable) by the surveyor,
engineer, or architect. If any part of Section C is
left blank, critically review it and contact the
surveyor, engineer, or architect who completed
the form and your company underwriter with any
questions.

A parking area located beneath an elevated floor
is not considered an attached garage.

Elevation(s) of machinery and equipment
servicing the building (e.g., water heater,
furnace, a/c compressor, heat pump, water
pump) must be provided, regardless of its
location, whether inside or outside of the
building, elevated on a platform or non-elevated.

The surveyor, engineer, or architect may not be
able to gain access to some crawl spaces to
shoot the elevation of the crawl space floor. In
this instance, Item C3.a may be left blank and
the estimated measurements entered in the
Comments area of Section D.

Elevations in Section C of the Elevation
Certificate are based on feet, except in Puerto
Rico, where the metric system is used. The
agent must convert any metric elevation
readings into feet before calculating the flood
insurance premium.
Section D – Surveyor, Engineer, or Architect
Certification

?     Includes a comment section for providing
additional information not collected in other
parts of the certificate.

?    Validates the insured property address.

Section D is the surveyor's, engineer's, or
architect's certification that the information
provided in Sections A, B, and C of the Elevation
Certificate is representative of the certifier's best
efforts to interpret the data available. The
surveyor's, engineer's, or architect's signature
and identification number are required fields.
Some States also may require a seal.

Section E – Building Elevation Information
(Survey Not Required) for Zone AO and Zone A
(Without BFE)

Information regarding building type (taken from
the eight building diagrams), flood zone, and the
elevation difference between the lowest floor
and the highest adjacent grade next to the
building is required.

For Zone A (without a FEMA-issued or
community-issued BFE) and Zone AO, a
property owner or owner's authorized
representative may complete Sections A, B, and
E of the Elevation Certificate.


Section F – Property Owner (or Owner's
Representative) Certification

Address and other contact information about the
property owner are requested in Section F. The
party completing Sections A, B, C (Items C3.h
and C3.i only), and E must execute Section F as
well.

Section G – Community Information
(Optional)

The local official who is authorized by law or
ordinance to administer the community's
floodplain management ordinance may transfer
elevation information found on existing
documentation (i.e., an older elevation
certification form, or surveyor letterhead) to
Section C of the current Elevation Certificate.
The local official must then certify this
information by fully completing Section G of the
Elevation Certificate. A statement advising
FEMA of this transfer of information must be
made in the comment section of the current
Elevation Certificate. Section G may also be
used to certify Item E4. of the Elevation
Certificate.

XV.   FLOODPROOFING CERTIFICATE

CC.   Purpose and Eligibility

?     In certain circumstances, floodproofing may
be permitted as an alternative to elevating to
or above the Base Flood Elevation (BFE);
however, a floodproofing design certification
is required. Certified floodproofing may
result in lower rates.

?     Non-residential buildings in any community,
in all locations except in V-Zones, may be
floodproofed in lieu of elevating.

?     Residential buildings may be floodproofed
only if they have basements, are located in
Zones A1-A30, AE, AR, AR Dual, AO, and
AH, and only if they are located in
communities specifically approved and
authorized by FEMA. A current list of
approved communities appears on page
CERT 4.

?     The allowable methods of floodproofing for
non-residential buildings differ from those
allowed for residential buildings. The specific
requirements should be available from the
local government.


B.    Specifications

The specifications for floodproofing ensure that the building is
watertight without human intervention, its
floodproofed walls will not collapse, and the floor
at the base of the floodproofed walls will resist
flotation during flooding conditions.

C.    Rating

In order to be eligible for lower rates, the insured must have a
registered professional engineer or architect
certify that the floodproofing conforms with the
minimum floodproofing specifications of FEMA.
This means that the building must be
floodproofed to at least 1 foot above the BFE. If
floodproofed to 1 foot above the BFE, flood
depth, or comparable community approved
floodplain management standards, it can then be
treated for rating purposes as having a "0"
elevation difference from the BFE. This
certification must be submitted with the Flood
Insurance Application.

To further illustrate, if the building is certified to be
floodproofed to 2 feet above the BFE, flood
depth, or comparable community approved
floodplain management standards, whichever is
highest, then it is credited for floodproofing and is
to be treated for rating purposes as having a "+1"
foot elevation.

See the Rating Section for special rating rules
for Zones AO and AH.

D.   Certification

?    Residential Buildings (With Basements)

The Residential Basement Floodproofing
Certificate is available for residential
buildings with basements located in Zones
A1-A30, AE, AR, AR Dual, AO, AH, and A
with estimated BFE and located in a FEMA-
approved community that is listed on the
next page. To receive credit for
floodproofing, the completed certificate
must be submitted.

?    Non-residential Buildings

A completed Floodproofing Certificate for
Non-residential Structures is required for all
such buildings in Regular Program
communities, located in Zones A1-A30, AE,
AR, AR Dual, AO, AH, and A with estimated
BFE, in order to receive credit for
floodproofing in lieu of elevation.



      APPROVED COMMUNITIES FOR RESIDENTIAL BASEMENT FLOODPROOFING
RATING CREDIT


     STATE/COMMUNITY NAME
     EFFECTIVE
        DATE1

STATE/COMMUNITY NAME
      EFFECTIVE
      DATE1
Alaska

Fairbanks

Idaho

Ammon

Iowa

Clive
Independence
LaPorte City

Kansas

Colwich
Derby
Great Bend
Halstead
Lindsborg
Rossville
Salina
Saline County
Sedgwick

Minnesota

Alvarado
Clay County
Dilworth
East Grand Forks
Moorhead
Roseau, City of
Stephen
Warren

Nebraska

Fremont
Grand Island
Hall County
Hastings
North Bend
Schuyler
Sidney
Wood River
2/28/73



6/8/90



4/24/81
9/7/89
6/12/89



1/17/86
2/15/832
8/10/83
7/8/83
11/7/94
2/18/92
3/6/86
1/14/86
5/19/862



2/28/85
3/28/75
8/29/83
5/15/862
2/12/76
7/14/92
5/10/83
9/24/82



1/25/79
7/29/80
2/10/80
7/8/83
10/15/98
9/17/91
12/4/84
1/12/82
New York

Amherst
Clarence, Town of

North Dakota

Barnes Township
Casselton
Fargo
Grafton
Harwood
Harwood Township
Horace
Mapleton
Oxbow
Pleasant Township
Reed Township
Reiles Acres
Stanley Township
West Fargo

South Dakota

Madison

Wisconsin

Ashwaubenon
Brown County
Depere
Green Bay
Howard
Shiocton
Village of Allouez




11/20/78
08/01/00



1/22/82
6/18/81
3/26/752
5/21/81
12/19/85
1/22/82
1/22/82
1/22/822
6/1/922
5/5/83
1/22/82
8/23/82
2/8/82
6/5/78



8/30/83



10/27/78
2/21/792
10/27/78
10/27/78
10/27/78
8/1/98
1/11/932




1     Effective date corresponds to the date of the letter from FEMA that
granted the community's exception
request.
2     The date the community adopted floodproofing ordinances.
PREFERRED RISK POLICY
I.    GENERAL DESCRIPTION

The Preferred Risk Policy (PRP) offers low-cost
coverage to owners and tenants of eligible
buildings located in the moderate-risk B, C, and
X Zones in NFIP Regular Program
communities.

The maximum one- to four-family residential
coverage combination is $250,000 building and
$100,000 contents. Up to $100,000 contents-
only coverage is available for other residential
properties. The maximum non-residential cov-
erage combination is $500,000 building and
$500,000 contents.

Only one building can be insured per policy, and
only one policy can be written on each building.

II.   ELIGIBILITY REQUIREMENTS

A.    Flood Zone

To be eligible for building/contents coverage or
contents-only coverage under the PRP, the
building must be in a B, C, or X Zone on the
effective date of the policy. The flood map
available at the time of the renewal offer
determines a building's continued eligibility for
the PRP. NFIP map grandfathering rules do not
apply to the PRP.

B.    Occupancy

Combined building/contents
amounts of insurance are
available for owners of
single-family, two- to four-
family, and non-residential
properties. Combined building
and contents coverage is not
available for other
residential.

Contents-only coverage is
available for tenants and
owners of all eligible
occupancies, except
when contents are located
entirely in a basement.

C.   Loss History

A building's eligibility for the PRP is based on
the preceding requirements and on the
building's flood loss history. If one of the
following conditions exists, regardless of any
change(s) in ownership of the building, then the
building is not eligible for the PRP:
?     2 flood insurance claim payments, each
more than $1,000; or
?     3 or more flood insurance claim payments,
regardless of amount; or
?     2 Federal flood disaster relief payments
(including loans and grants), each more than
$1,000; or
?     3 Federal flood disaster relief payments
(including loans and grants), regardless of
amount; or
?     1 flood insurance claim payment and 1
Federal flood disaster relief payment
(including loans and grants), each more than
$1,000.

D.   Exclusions

?     The PRP is not available in Special Flood
Hazard Areas or in Emergency Program
communities.
?     Other residential properties 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.




THE PRP AT A GLANCE



POLICY TYPE
OCCUPANCY/MAXIMUM LIMITS

1-4 Family
Other Residential
Non-Residential
Combined Building/
Contents
$250,000/
$100,000
No Coverage
$500,000/
$500,000
Contents Only
$100,000
$100,000
$500,000


NOTES: Condominium associations are not eligible for the Preferred Risk
Policy. Individual condominium units are not eligible unless they
qualify under one of the exceptions on page PRP 2.


?     Condominium associations, unit owners,
and their tenants are not eligible for the
PRP, except for:
?     A townhouse/rowhouse building
insured under the unit
owner's name;
?     A detached, single-family
dwelling insured under the
unit owner's name.
?     Contents-only coverage for
tenants occupying
townhouse/rowhouse build-ings
or detached, single-family
dwellings.
?     Increased Cost of Compliance (ICC)
coverage is not available for condominium
units. (See footnote 3 on page PRP 3.)

XVI.   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.

XVII. 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 will be ineligible for renewal as
a PRP. Such a risk must be nonrenewed or
rewritten as a conventional Standard Flood
Insurance Policy (SFIP).

XVIII.      COVERAGE LIMITS

The elevated building coverage limitation
provisions do not apply to a policy written as a
PRP.


VI.    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.

VII.   DISCOUNTS/FEES/ICC PREMIUM

?     No Community Rating System discount is
associated with the PRP.
?     Probation fees will be charged.
?     The Federal Policy Fee of $11.00 is included
in the premium and is not subject to
commission.
?     The ICC premium is included.
XIX.   DEDUCTIBLES

The standard deductible for PRPs is $500.
Optional deductibles are not available for PRPs.

XX.    ENDORSEMENTS

The PRP may be endorsed to:
?     Increase coverage mid-term,
subject to the coverage limits
in effect when the policy was
issued or renewed. See page END
5 for an example.
?     Correct misratings, such as
incorrect building description
or community number.

XXI. CONVERSION OF STANDARD RATED
POLICY TO PRP DUE TO MISRATING
OR MAP REVISION

A policy written as a
Standard B, C, or X Zone
policy and later found to be
eligible for a PRP may be
endorsed or rewritten as a
PRP for only the current
policy term.

When the risk has been rated
with other than B, C, or X
Zone rates, but is later
found to be in a B, C, or X
Zone and eligible for a PRP,
the writing company will be
allowed to endorse or
cancel/rewrite up to 6 years.

The policy may be
cancelled/rewritten using
Cancellation Reason Code 22
if both of the following
conditions are met:
?     The request to endorse or
cancel/rewrite the policy is
received during the current
policy term.
?     The policy has no open claim or
closed paid claim.


PRP COVERAGES AVAILABLE EFFECTIVE MAY 1, 2004

ONE- TO FOUR-FAMILY RESIDENTIAL
BUILDING AND CONTENTS COVERAGE COMBINATIONS1
With Basement or Enclosure
Without Basement or Enclosure
Building
Contents
Premium2,3
Building
Contents
Premium2,3
$ 20,000
$    8,000
$137
$ 20,000
$    8,000
$112
$ 30,000
$ 12,000
$163
$ 30,000
$ 12,000
$138
$ 50,000
$ 20,000
$205
$ 50,000
$ 20,000
$180
$ 75,000
$ 30,000
$232
$ 75,000
$ 30,000
$207
$100,000
$ 40,000
$263
$100,000
$ 40,000
$233
$125,000
$ 50,000
$279
$125,000
$ 50,000
$249
$150,000
$ 60,000
$294
$150,000
$ 60,000
$264
$200,000
$ 80,000
$331
$200,000
$ 80,000
$296
$250,000
$100,000
$352
$250,000
$100,000
$317

ALL RESIDENTIAL CONTENTS-ONLY COVERAGE1, 4
Contents Above Ground Level More Than One
Floor
All Other Locations (Basement-Only Not
Eligible)
Contents
Premium2
Contents
Premium2
$    8,000
$ 39
$    8,000
$ 61
$ 12,000
$ 53
$ 12,000
$ 86
$ 20,000
$ 81
$ 20,000
$116
$ 30,000
$ 93
$ 30,000
$131
$ 40,000
$105
$ 40,000
$146
$ 50,000
$117
$ 50,000
$156
$ 60,000
$129
$ 60,000
$166
$ 80,000
$153
$ 80,000
$181
$100,000
$177
$100,000
$196

NON-RESIDENTIAL BUILDING AND CONTENTS COVERAGE COMBINATIONS1
With Basement or Enclosure
Without Basement or Enclosure
Building
Contents
Premium2,3
Building
Contents
Premium2,3
$ 50,000
$ 50,000
$   800
$ 50,000
$ 50,000
$   500
$100,000
$100,000
$1,375
$100,000
$100,000
$   800
$150,000
$150,000
$1,850
$150,000
$150,000
$1,050
$200,000
$200,000
$2,200
$200,000
$200,000
$1,300
$250,000
$250,000
$2,500
$250,000
$250,000
$1,500
$300,000
$300,000
$2,800
$300,000
$300,000
$1,700
$350,000
$350,000
$3,100
$350,000
$350,000
$1,850
$400,000
$400,000
$3,350
$400,000
$400,000
$2,000
$500,000
$500,000
$3,850
$500,000
$500,000
$2,300

NON-RESIDENTIAL CONTENTS-ONLY COVERAGE1, 4
Contents Above Ground Level More Than One
Floor
All Other Locations (Basement-Only Not
Eligible)
Contents
Premium2
Contents
Premium2
$ 50,000
$121
$ 50,000
$    275
$100,000
$231
$100,000
$    500
$150,000
$321
$150,000
$    675
$200,000
$381
$200,000
$    850
$250,000
$441
$250,000
$1,000
$300,000
$501
$300,000
$1,150
$350,000
$561
$350,000
$1,300
$400,000
$621
$400,000
$1,450
$500,000
$741
$500,000
$1,700

1Add the $50.00 Probation Surcharge, if applicable.
2Premium includes Federal Policy Fee of $11.00.
3Premium includes ICC premium of $1.00. Deduct this amount if the risk is
a townhouse/rowhouse
condominium unit or a contents-only policy.
4Contents-only policies are not available for contents located in
basement only.
NOTES: Condominium associations are not eligible for the Preferred Risk
Policy. Individual condominium
units are not eligible unless they qualify under one of the exceptions on
page PRP 2.
The deductibles apply separately to building and contents. Building
deductible, $500. Contents
deductible, $500.


The new PRP building coverage will be equal
either to the building limit issued under the
Standard B, C, or X Zone policy or the next
higher limit available under the PRP if there is
no PRP option equal to the Standard B, C, or X
Zone building limit.

XXII. COMPLETING THE FLOOD INSURANCE
PREFERRED RISK POLICY APPLICATION

A.    Policy Status

In the upper right corner of
the form, check the
appropriate box to indicate
if the application is for a
NEW policy or a RENEWAL of an
existing policy. If the
application is for a renewal,
enter the current NFIP policy
number.

DD.   Policy Term

The PRP is available only for 1-year terms.

16.   Check the appropriate box to indicate who
should receive the renewal bill. If BILL
FIRST MORTGAGEE is checked, complete
"First Mortgagee" section. If BILL SECOND
MORTGAGEE, BILL LOSS PAYEE, or
BILL OTHER is checked, provide mailing
instructions in "Second Mortgagee or
Other" section.
17.   Enter the policy effective date and policy
expiration date (month-day-year). The
effective date of the policy is determined by
adding the appropriate waiting period to the
date of application in the "Signature"
section. The standard waiting period is 30
days. Refer to the General Rules Section,
page GR 7, for the applicable waiting
period.

EE.   Agent Information

Enter the agent's (producer's) name, agency
name and number, address, city, state, ZIP
Code, telephone number, fax number, and Tax
I.D. Number or Social Security Number.

FF.   Insured's Mailing Address

18.   Enter the name, mailing address, city,
state, ZIP Code, telephone number, and
Social Security Number of the insured.

19.   If the insured's mailing address is a post
office box or a rural route number, or if the
address of the property to be insured is
different from the mailing address,
complete the "Property Location" section of
the application.

GG.   Disaster Assistance

20.   Check YES if flood insurance is being
required for disaster assistance. Enter the
insured's case file number, Tax I.D.
Number, or Social Security Number on the
line for CASE FILE NUMBER.

21.   In the "Second Mortgagee or Other" block,
identify the government (disaster) agency,
and enter the complete name and mailing
address of the disaster agency.

22.   If NO is checked, no other information is
required.

HH.   First Mortgagee

Enter the name, mailing address, city, state, ZIP
Code, telephone number, and fax number of the
first mortgagee. Enter the loan number.

II.   Second Mortgagee or Other
23.   Identify additional mortgagees by checking
the appropriate box and entering the loan
number, mortgagee's name, mailing ad-
dress, telephone number, and fax number.

24.   If more than one additional mortgagee or
disaster assistance agency exists, provide
the requested information on the producer's
letterhead.

JJ.   Property Location

25.   Check YES if the location of the property
being insured is the same as the address
entered in the "Insured's Mailing Address"
section. Leave the rest of this section blank
unless there is more than one building at
the property location.

26.   If more than one building is at the location
of the insured property, use this section to
specifically identify the building to be
insured. Briefly describe the building or
submit a sketch showing the location of
insured buildings to assist the NFIP in
matching the policy number to the specific
building insured.

27.   If NO, provide the address or location of the
property to be insured.

28.   If the insured's mailing address is a post
office box or rural route number, give the
street address, legal description, or
geographic location of the property.

KK.   Community

29.   Enter the name of the county or parish
where the property is located.

30.   Check YES if the property is located in an
unincorporated area of a county; otherwise,
check NO.

31.   Enter the community identification number,
map panel number, and revision suffix for
the community where the property is
located. Community number and status
may be obtained by calling the writing
company, consulting a local community
official, or referencing the NFIP Community
Status Book online at
www.fema.gov/fema/csb.shtm.

32.   Enter the Flood Insurance Rate Map zone.

LL.   Building and Contents

Complete all required information in this section.

33.   Check building occupancy: Single Family,
2-4 Family, Other Residential, or Non-
Residential (incl. Hotel/Motel).

34.   Enter date of construction.

35.   Check building type. If the building has a
basement or enclosure, count the base-
ment or enclosure as a floor. If the building
type is a manufactured (mobile) home/
travel trailer on foundation, enter the make,
model, and serial number in the block at
the bottom of this section.
4.    Check the "Y" box (YES) or the "N" box
(NO) for "CONDO UNIT" and "TOWN-
HOUSE/ROWHOUSE CONDO UNIT."

5.    Check location of building's contents.
(Contents located entirely in a basement
are not eligible for contents-only coverage.)

6.    Check YES if the building is the insured's
principal residence; otherwise, check NO.


7.    Using normal company practice, estimate
the replacement cost value and enter the
value in the space provided. Include the
cost of the building foundation when
determining the replacement cost value.

MM.   Notice

If the answer to either question A or question B
is YES, this risk is not eligible for the Preferred
Risk Policy

NN.   Premium

7.    Enter the coverage selected, and the
premium, from the appropriate table on the
back of the application form.

8.    Add the $50.00 Probation Surcharge, if
applicable. Deduct $1.00 if this is an
application for a townhouse/rowhouse
condominium unit.

OO.   Signature

The producer must sign the Preferred Risk
Policy Application and is responsible for the
completeness and accuracy of the information
provided on it. Enter the date of application
(month/day/year). The waiting period is added to
this date to determine the policy effective date of
the policy listed in the Policy Term section. A
check or money order for the Total Prepaid
Amount, payable to the NFIP, must accompany
the application.

A credit card payment by VISA, MasterCard,
Diner's Club, or American Express will also be
acceptable if a disclaimer form, signed by the
insured, is submitted with the Preferred Risk
Policy Application. The disclaimer will state that
cancellation of a policy due to a billing dispute
will be permitted only for a billing error or fraud.
If the credit card information is taken over the
telephone by the producer, the producer may
sign the authorization form on behalf of the
payor only after having read the disclaimer to
the payor.




MORTGAGE PORTFOLIO PROTECTION PROGRAM




XXIII.     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
W.    INCREASED COST OF COMPLIANCE (ICC) TABLE


ZONE
MPPP Rates per
$100 of Building
Coverage
MPPP Rates per
$100 of Contents
Coverage
ICC Premium for
$30,000 Coverage
A Zones - All building &
occupancy types,
except A99, AR, AR Dual
Zones
2.40 / 1.20
2.50 / 1.20
75.00
V Zones - All building &
occupancy types
3.70 / 3.70
3.47 / 3.47
75.00

A99 Zone, AR, AR Dual Zones
.67 / .35
.89 / .35
6.00
NOTES:     (1)   ICC coverage does not apply to contents-only policies or
to individually owned
condominium units insured under the Dwelling Form or General Property
Form.
      (2)  The ICC premium is not eligible for the deductible discount.
First calculate the deductible
discount, then add in the ICC premium.


(3)   Add Federal Policy Fee and Probation Surcharge, if applicable, when
computing the
premium.
      (4)   MPPP policies are not eligible for Community Rating System
premium discounts.




XXIV. REQUIREMENTS FOR
PARTICIPATING IN THE MPPP

The following paragraphs represent the
criteria and requirements that must be
followed by all parties engaged in the sale
of flood insurance under the National Flood
Insurance Program's Mortgage Portfolio
Protection Program.

A.   General

1.    All mortgagors notified, in
conjunction with this Program, of
their need to purchase flood
insurance must be encouraged to
obtain a Standard Flood Insurance
Policy (SFIP) from their local agent.
2.    When a mortgagee or a
mortgage servicing company
discovers, at any time following
loan origination, that one or more
of the loans in its portfolio is
determined to be located in a
Special Flood Hazard Area
(SFHA), and that there is no
evidence of flood insurance on
such property(ies), then the
MPPP may be used by such
lender/servicer to obtain (force
place) the required flood
insurance coverage. The MPPP
process can be accomplished
with limited underwriting
information and with special flat
flood insurance rates.

3.    In the event of a loss, the policy
will have to be reformed if the
wrong rate has been applied for
the zone in which the property is
located. Also, the amount of
coverage may have to be
changed if the building
occupancy does not support that
amount.

4.    It will be the WYO company's
responsibility to notify the
mortgagor of all coverage limitations
at the inception of coverage and to
impose those


limitations that are applicable at the
time of loss adjustment.

B.    WYO Arrangement
Article III—Fees

With the implementation of the
MPPP, there is no change in the
method of WYO company allowance
from that which is provided in the
Financial Assistance/Subsidy Arrange-
ment for all flood insurance written.

C.    Use of WYO Company Fees for
Lenders/Servicers or Others

1.    No portion of the allowance that a
WYO company retains under the
WYO Financial Assistance/ Subsidy
Arrangement for the MPPP may be
used to pay, reimburse or otherwise
remunerate a lending institution,
mortgage servicing company, or
other similar type of company that
the WYO company may work with
to assist in its flood insurance
compliance efforts.

2.    The only exception to this is a
situation where the lender/ servicer
may be actually due a commission
on any flood insurance policies
written on any portion of the
institution's portfolio because it was
written through a licensed property
insurance agent on their staff or
through a licensed insurance agency
owned by the institution or servicing
company.

D.   Notification

1.    WYO Company/Mortgagee— Any WYO
company participating in the MPPP must notify
the lender or servicer, for which it is providing the
MPPP capability, of the requirements of the
MPPP. The WYO company must obtain signed
evidence from each such lender or servicer
indicating their receipt


of this information, and keep a copy in its files.

2.    Mortgagee to Mortgagor—In order to participate
in the MPPP, the lender (or its authorized
representative, which will typically be the WYO
company providing the coverage through the
MPPP) must notify the borrower of the following,
at a minimum:

a.    The requirements of the
Flood Disaster Protection
Act of 1973,

b.    The flood zone location of
the borrower's property,

c.    The requirement for flood
insurance,

d.    The fact that the lender has
no evidence of the
borrower's having flood
insurance,

e.    The amount of coverage
being required and its cost
under the MPPP, and

f.    The options of the borrower
for obtaining conventionally
underwritten flood insurance
coverage and the potential
cost benefits of doing so.

A more detailed discussion of the
notification requirements is made a
part of this program document in
Section O.

E.   Eligibility

1.    Type of Use—The MPPP will be
allowed only in conjunction with
mortgage portfolio reviews and the
servicing of those portfolios by
lenders and mortgage servicing
companies. The MPPP is not
allowed to be used in conjunction
with any form of loan origination.

2.    Type of Property—The standard
NFIP rules apply, and all types
of property eligible for coverage
under the NFIP will be eligible
for coverage under the MPPP.

F.   Source of Offering

The force placement capability will
be offered by the WYO companies
only and not by the NFIP Servicing
Agent.

G.   Dual Interest

The policy will be written covering
the interest of both the mortgagee
and the mortgagor. The name of the
mortgagor must be included on the
Application Form. It is not, however,
necessary to include the mortgagee
as a named insured because the
Mortgage Clause (section VII.Q. of
the Dwelling Form and the General
Property Form) affords building
coverage to any mortgagee named
as mortgagee on the Flood
Insurance Application. If contents
coverage for the mortgagee is
desired, the mortgagee should be
included as a named insured.

H.   Term of Policy

NFIP policies written under the
MPPP will be for a term of 1 year
only (subject to the renewal
notification process).

I.   Coverage Offered

Both building and contents coverage
will be available under the MPPP.
The coverage limits available under
the Regular Program will be
$250,000 for building coverage and
$100,000 for contents. If the WYO
company wishes to provide higher
limits that are available to other
occupancy types such as other
residential or non-residential, it may
do so only if it can indicate that
occupancy type as appropriate. If
the mortgaged property is in an
Emergency Program community,
then the coverage limits available
will be $35,000 for building
coverage and $10,000 for contents.
Again, if the higher limits are desired
for other types of property, then the
building occupancy type must be


provided at the inception of the
policy or when that information may
become available, but it must be
prior to any loss.

J.   Policy Form

The current SFIP Dwelling Form
and General Property Form will be
used, depending upon the type of
structure insured. In the absence of
building occupancy information, the
Dwelling Form should be used.

K.   Waiting Period
The NFIP rules for the waiting
period and effective dates apply to
the MPPP.

L.   Premium Payment

The current rules applicable to the
NFIP will apply. The lender or
servicer (or payor) has the option to
follow its usual business practices
regarding premium payment, so
long as the NFIP rules are followed.

M.   Underwriting—Application

1.    The MPPP will require less
underwriting data than is normally
required under the standard NFIP
rules and regulations. The MPPP
data requirements for rating,
processing and reporting are, at a
minimum:

a.    Name and mailing address
of insured (mortgagor; also
see Dual Interest),

b.    Address of insured
(mortgaged) property,

c.    Community information
(complete NFIP map panel
number and date; program
type, Emergency or
Regular) countywide maps,

d.    Occupancy type (so
statutory coverage limits are
not exceeded. This data
may be difficult to obtain.


Also see Coverage
Offered.),

e.    NFIP flood zone where
property is located (lender
must determine, in order to
determine if flood insurance
requirements are necessary
and to use the MPPP),

f.   Amount of coverage,
g.    Name and address of
mortgagee,

h.   Mortgage loan number,

i.   Policy number.

2.    No elevation certificates will be
required as there will be no elevation
rating.

N.   Rates

(See page MPPP 1.)

O.    Policy Declaration Page
Notification Requirements

In addition to the routine
information, such as amounts of
coverage, deductibles and
premiums, that a WYO company
may place on the policy declarations
page issued to each insured under
the NFIP, the following messages
are required:

1.    This policy is being provided for you
as it is required by Federal law as
has been mentioned in the previous
notices sent to you on this issue.
Since your mortgage company has
not received proof of flood insurance
coverage on your property in
response to those notices, we provide
this policy at their request.

2.    The rates charged for this policy may
be considerably higher than those
that may be available to you if you
contact your local insurance agent
(or the WYO company).



3.    The amounts of insurance coverage
provided in this policy may not be
sufficient to protect your full equity
in the property in the event of a loss.

4.    You may contact your local
insurance agent (or WYO company)
to replace this policy with a
conventionally under-written
Standard Flood Insurance Policy, at
any time, and typically at a
significant savings in premium.

The WYO company may add
other messages to the
declarations page and make
minor editorial modifications to
the language of these
messages if it believes any are
necessary to conform to the
style or practices of that WYO
company, but any such
additional messages or
modifications must not change
the meaning or intent of the
above messages.

Since the amount of
underwriting data obtained at
the time of policy inception will
typically be limited, the extent of
any coverage limitations (such
as, when replacement coverage
is not available or coverage is
limited because the building has
a basement or is considered an
elevated building with an
enclosure) will be difficult to
determine. It is, therefore, the
responsibility of the WYO
company to notify the
mortgagor/insured of all
coverage limitations at the
inception of coverage and
impose any that are applicable
at the time of the loss
adjustment.

P.    Policy Reformation—Policy
Correction

Section VII.G. of the Dwelling Form
and of the General Property Form
will apply as appropriate.

Examples of circumstances under
which reformation or correction
might be needed would be:

Policy Reformation—The wrong flat
rate was applied for the zone in
which the property was actually
located. Policy Correction—The
amount of coverage exceeds the
amount available under the NFIP for
the type of building occupancy that
represents the building insured. In
such cases, the amount of coverage
would have to be adjusted to the
amount available and any
appropriate premium adjustments
made.

Q.    Coverage Basis—Actual Cash
Value or Replacement Cost

There are no changes from the
standard practices of the NFIP for
these provisions. The coverage
basis will depend on the type of
occupancy of the building covered
and the amount of coverage carried.

R.   Deductible

A $500 deductible is applicable for
policies written under the MPPP.

S.   Federal Policy Fee

There is no change from the
standard practice. The Federal
Policy Fee in effect at the time the
MPPP policy is written must be
used.

T.   Renewability

The MPPP policy is a 1-year policy.
Any renewal of that policy can occur
only following the full notification
process that must take place
between the lender (or its
authorized representative) and the
insured/ mortgagor, when the
insured/ mortgagor has failed to
provide evidence of obtaining a
substitute flood insurance policy.



U.   Cancellations

The NFIP Flood Insurance Manual rules for cancellation/nullification are
to be followed, when
applicable.
V.     Endorsement

An MPPP policy may not be endorsed to convert it directly to a
conventionally underwritten
SFIP. Rather, a new policy application, with a new policy number, must be
completed
according to the underwriting requirements of the SFIP, as contained in
the NFIP Flood
Insurance Manual. The MPPP policy may be endorsed to assign it under
rules of the NFIP. It
may also be endorsed for other reasons such as increasing coverage.

W.     Assignment to a Third Party

Current NFIP rules remain unchanged; therefore, an MPPP policy may be
assigned to
another


mortgagor or mortgagee. Any such assignment must be through an
endorsement.

X.     Article XIII—Restriction on Other Flood Insurance

Article XIII of the Arrangement is also applicable to the MPPP and, as
such, does not allow a
company to sell other flood insurance that may be in competition with
NFIP coverage. This
restriction, however, applies solely to policies providing flood
insurance. It also does not apply
to insurance policies provided by a WYO company in which flood is only
one of several perils
provided, or when the flood insurance coverage amounts are in excess of
the statutory limits
provided under the NFIP or when the coverage itself is of such a nature
that it is unavailable
under the NFIP, such as blanket portfolio coverage.


GENERAL CHANGE ENDORSEMENT




The NFIP General Change Endorsement form
cannot be used to renew, extend, or change a
policy term. However, the General Change
Endorsement form, or a similar form for WYO
companies, can be used to make certain types
of coverage and rating changes or corrections to
existing policy data.

XXV.   ENDORSEMENT RULES
PP.   Coverage Endorsements

9.    Additional Coverage or Increase in Amount
of Insurance

Added coverage, or an increase in the
amount of insurance, is permitted at any
time during a policy term. The additional
premium is calculated pro rata for the
balance of the policy term, at either the rate
in effect on the endorsement effective date
or the rate in effect on the policy effective
date, in accordance with each WYO
company's standard business practice.
(See Examples 1 through 4 at the end of
this section.) Refer to the General Rules
section, page GR 7, for the applicable
waiting period.

10.   Reduction of Insurance

A reduction in the amount of building
insurance cannot be made unless
part of the building has been
removed, which reduces the
building's value to less than the
amount of the building insurance,
or a current appraisal or cost
estimate is provided which shows
that the building's current
coverage amount is higher than
the estimated replacement cost
of the building. (See Example 6
at the end of this section.)

A reduction in the amount of contents
insurance cannot be made unless
some of the contents have been
sold or removed, which reduces
the contents' value to less than
the amount of the contents
insurance.

11.   Removal of a Coverage

There is no return premium for the removal of
building or contents coverage
unless the property is no longer
at the described location or the
property of the policyholder. (See
Example 5 at the end of this
section.)
QQ.   Rating Endorsements

12.   Rate Reduction

It is not permissible to revise a policy's rating
during a policy term, due to a rate
decrease, unless the effective date
of the rate change is prior to the
policy's effective date.

13.   Rating Error

The NFIP rules require that the policy must
be in effect in order to process refunds.

a.    Current Term Refunds

Corrections will be allowed for only the current year
for failure of the WYO company or NFIP
Direct to:

?     Use the map grandfather rule.

?     Use the V-Zone Risk Factor Rating
Form. The endorsement effective
date is either the date the V-Zone
Risk Factor Rating Form was
certified or the effective date of the
current policy year, whichever is
later.

?     Make a timely revision of alternative
rates (rates used for Pre-FIRM rated
risks where the zone is unknown).

?     Use Post-FIRM rating for a Pre-
FIRM structure. The refund will be
processed if the insured provides an
Elevation Certificate. The endorse-
ment effective date is the effective
date of the current policy year.

?     Use an Elevation Certificate on
Post-FIRM buildings rated using
"Without Certification of Compliance
or Elevation Certificate" for Zones
AO and AH, or "No Elevation
Certificate or No Estimated BFE" for
Unnumbered A Zone. The en-
dorsement effective date is the
effective date of the current policy
term.

b.    Current and One Prior Term Refunds
Premium refunds will be allowed for the
current and 1 prior policy year when an
incorrect flood zone and/or Base Flood


Elevation was used at the time the
policy was issued and the current FIRM
shows a more hazardous zone or
higher Base Flood Elevation.

3.    Revision of an Alternative Rating

Alternative rating is used to compute the
premium on a Renewal Notice following
conversion of a community from the
Emergency Program to the Regular
Program. Alternative rates are also used
by producers for the rating of Pre-FIRM
construction. Alternative rating allows the
producer and the policyholder 1 year to
revise the rating, so a premium refund
can be obtained from the renewal or
inception date if it is determined that the
insured property is located in a lower
rated zone. During subsequent policy
terms, such revisions may also be made
effective with the start of the policy term.

4.    Map Revision

A map change (reprinting, Letter of Map
Amendment [LOMA], Letter of Map
Revision [LOMR], or Letter of
Determi-nation Review [LODR])
may change the flood zone in which
a property is located to a lower
rated zone, or it may change the
Base Flood Elevation. In such
cases, the policy rating may be
revised for the current and prior
policy years if the change occurred
prior to the current policy year.

When a community has been converted from the
Emergency Program to the Regular
Program, the policy rating may be
revised to reflect the correct flood
zone. However, no premium refund
is allowed on premium previously
paid.

RR.   Misrated Policy
Premium refunds will be allowed with proper
documentation (see III.B.2.a.) going back a
maximum of 6 calendar years when there was
a misrating such as an incorrect building
description, lowest floor elevation, community
number, flood zone, or Base Flood Elevation,
so long as the insured can provide proof of
the misrating.

The flood zone and Base Flood Elevation can only be
corrected using the current FIRM.

Any lapse in coverage does not extend the number of
years the premium refund is allowed.

SS.   Conversion of Standard Rated Policy to
PRP Due to Misrating or Map Revision

A policy written as a
Standard B, C, or X Zone
policy and later found to be
eligible for a PRP may be
endorsed or rewritten as a
PRP for only the current
policy term.

When the risk has been rated
with other than B, C, or X
Zone rates, but is later
found to be in a B, C, or X
Zone and eligible for a PRP,
the writing company will be
allowed to endorse or
cancel/rewrite up to 6 years.

The policy may be
cancelled/rewritten using
Cancellation Reason Code 22
if both of the following
conditions are met:
?     The request to endorse or
cancel/rewrite the policy is
received during the current
policy term.
?     The policy has no open claim or closed
paid claim.

The new PRP building coverage will be equal
either to the building limit issued under the
Standard B, C, or X Zone policy or the next
higher limit available under the PRP if there is
no PRP option equal to the Standard B, C, or X
Zone building limit.
TT.   Changing Deductibles

Increasing deductibles is permitted during the
current policy term. (See Example 7 at the end
of this section.) Deductibles cannot be reduced
mid-term, unless required by the mortgagee and
written authorization is provided by the
mortgagee. A 30-day waiting period will apply
unless the request to reduce the deductible is in
connection with making, extending, or renewing
a loan.

The ICC premium is not eligible for the
deductible discount or surcharge. First calculate
the deductible discount or surcharge, then add
in the ICC premium, for each policy year.

UU.   Correcting Property Address

A policy cannot be endorsed to change the
location. This includes relocation from one unit
to another unit in the same building.

However, an erroneous address (e.g., through
typographical error) can be corrected through
endorsement. The agent must provide proof or a
reasonable explanation for the error.


XXVI. ENDORSEMENT PROCESSING
PRIOR TO POLICY RENEWAL (NFIP
DIRECT BUSINESS ONLY)

VV.   During Last 90 Days of Policy Term

1.    If the premium payment for renewal of the
policy has not already been processed by
the NFIP, a General Change Endorsement
processed will produce a revised Renewal
Notice for the upcoming term.

2.    If the original Renewal Notice has not been
paid, the payor may use the revised
Renewal Notice or subsequent Final
Notice.

WW.   During Last 75 Days of Policy Term

3.    If the original Renewal Notice has not been
paid, the producer must submit the General
Change Endorsement for the current policy
term only and submit a renewal Application
for the upcoming term. A separate premium
payment must be submitted for each
transaction. (The insured and/or mort-
gagee, if payor, should be advised not to
pay the Renewal Notice or Final Notice
when a renewal Application and premium
have been submitted.)

4.    If the original Renewal Notice has been
paid, the producer must submit the General
Change Endorsement together with any
required additional premium for the renewal
policy term and, if applicable, a separate
General Change Endorsement and
additional premium for the remainder of the
current policy term. The effective date of
the endorsement to increase coverage will
be the "renewal date" only if the
endorsement and additional premium are
received within the 30-day grace period.

XX.   Refunds Generated from Endorsement
Processing

The return premium is based on rates in effect
on the effective date of the change or the policy
effective date, in accordance with the WYO
company's standard business practice. It is
calculated by revising the rate, effective from the
inception date of the current policy term,
provided the inception date is on or after the
community conversion date.

The Federal Policy Fee and Probation
Surcharge (if applicable) are not subject to
calculation of return premiums.

XXVII.     PREPARATION OF FORM

A.   General Instructions

Endorsements are processed by submitting a
completed General Change Endorsement form
and proper documentation (see III.B.2.a.) to the
writing company.

Instructions for completing the General Change
Endorsement form are self-explanatory. The
following items are of special note:

?     The policy term cannot be changed. All
calculations must reflect the policy term
shown on the current declarations page.

?     A geographic location must be given for a
property. For example, the insured's mailing
address may be shown as:

                       Route 4
                       Box 179
                       Danville, Ohio 43014

The property location should be completed
as: Farmhouse on the north side of U.S. 70,
6 miles west of Danville, Ohio 43014.

?     The contents location section should be
completed if contents coverage is being
added/deleted or if the location of the
contents being insured within the described
building has changed. Provide an
explanation of the change of location in the
description area of the section.

?     The insured must sign and date the General
Change Endorsement form whenever there
is a request to reduce policy limits, make
policy assignment, or change the agent of
record.

B.   Refund Processing Procedures

1.    The current NFIP insurer (WYO Company or
Direct Business) will be responsible for
returning the premium for the current and
prior policy year, provided that it was the
insurer for that period. If another NFIP
insurer was the insurer for the prior policy
year, it will be responsible for returning the
premium for that year. Agents submit
requests to their carrier.

2.    Requests for refunds for more than 2 years
must be processed by the NFIP Bureau.

a.    For requests processed by the Bureau,
the current NFIP insurer must submit all
of the documentation necessary to
make a refund for any period exceeding
2 years. At a minimum, this documen-
tation will consist of the following:

?     The company's statistical records or
declarations pages for each policy
term and evidence of premium
payments obtained from the insured
if these documents are not available
from the company's records.

?    An endorsement request for each
year and the premium refund
calculation for each year that the
company had the policy.

?     A Letter of Map Amendment
(LOMA); a Letter of Map Revision
(LOMR); a Letter of Determination
Review (LODR); a copy of the most
recent flood map marked to show
the exact location and flood zone of
the building; a letter indicating the
exact location and flood zone of the
building, and signed and dated by a
local community official; an Ele-
vation Certificate indicating the


exact location and flood zone of the
building, and signed and dated by a
surveyor, engineer, architect, or
local community official; or a flood
zone determination certification that
guarantees the accuracy of the
information.

b.    In order for the Bureau to process a
refund request, the appropriate
documentation must be mailed directly
to the NFIP Bureau and Statistical
Agent, Underwriting Department, P.O.
Box 310, Lanham, MD 20703.

3.    WYO Companies will be notified of the
premium refunded and the Expense
Allowance due to the NFIP. The companies
must maintain this documentation as part of
their underwriting files.

4.    Any lapse in coverage does not extend the
number of years the premium refund is
allowed.

The Bureau will return to the sender any
unauthorized refund requests for more than
2 years.


IV.   ENDORSEMENT RATING EXAMPLES


TABLE OF CONTENTS


EXAMPLE                                           PAGE
Example   1 Increasing Coverage on a Preferred Risk Policy        END
6



Example   2 Increasing Coverage, Program Conversion       END 7



Example   3 Increasing Coverage          END 8



Example   4 Increasing Coverage After a Rate Change       END 9



Example   5 Removing Contents       END 10



Example   6 Reducing Building Coverage           END 11



Example   7 Increasing Deductible        END 12




EXAMPLE 1

INCREASING COVERAGE ON A PREFERRED RISK POLICY




?    Policy term is October 15, 2004-2005

?    Pre-FIRM, X-Zone, with basement

?    Present coverage:
     Building $75,000/Contents $30,000

?    Premium at policy inception was $232.

?    Endorsement effective date is June 2, 2005.

?    Coverages added are $125,000 on the
building and $50,000 on the contents for a
total of $200,000 on the building and
$80,000 on the contents.
?     Rates in effect on the effective date of the
policy are to be used in calculating the
premiums.

?    The difference between these two premiums
is
     $99.

?     Prorate the difference using the pro rata
factor below:

            Time period is June 2, 2005,
            to October 15, 2005
            Number of days is 135
            Pro rata factor is .370




INSURANCE
COVERAGE
SECTION A
CURRENT COVERAGE
SECTION B
+ INCREASED    — DECREASED
COVERAGE
                        ONLY
NEW
PREMI
UM
TOTAL
S

AMOUNT
RATE
PREMIUM
AMOUNT
RATE
PREMIUM

BUILDING BASIC
75,000
?
232
125,000
?
331
331
BUILDING
ADDITIONAL




?
CONTENTS
BASIC
30,000


50,000


?
CONTENTS
ADDITIONAL




?
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW
TOTAL AMOUNT BELOW
PAYMENT
OPTION:
SUBTOTAL
331
BUILDING COVERAGE
CONTENTS COVERAGE
? CREDIT
CARD
DEDUCT.
DISCOUNT/SURCHA
RGE
?
BASIC
ADDITIO
NAL
TOTAL
BASI
C
ADDITIO
NAL
TOTAL
? OTHER:
SUBTOTAL
331
200,000


80,000
_________
ICC PREMIUM
?




SUBTOTAL
331
IF RETURN PREMIUM, MAIL REFUND TO: ?    INSURED    ? AGENT   ?
PAYOR. THE ABOVE
CRS PREMIUM
DISCOUNT ____%
?
STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE. I
UNDERSTAND THAT
SUBTOTAL
331
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR
IMPRISONMENT UNDER
PREMIUM
PREVIOUSLY PAID
(Excludes Probation
Surcharge/ Federal
Policy Fee)


232
APPLICABLE FEDERAL LAW.



DIFFERENCE
+        (+/-)
+99
SIGNATURE OF INSURED AND DATE           SIGNATURE OF INSURANCE
AGENT/BROKER         DATE (MMDDYY)
PRO RATA FACTOR
.370

TOTAL
(+/-)
+37
EXAMPLE 2

INCREASING COVERAGE,   PROGRAM CONVERSION




?      Policy term is January 15, 2006-2007

?      Single family dwelling, no basement, Pre-
FIRM

?      Present coverage:   Building   $35,000/
       Contents $10,000

?     Policy conversion date from Emergency to
Regular Program: July 15, 2006

?      Building located in an A99 Zone

?     Premium rates are:    Building .64/.14,
Contents .99/.25.

?     Endorsement effective date is August 14,
2006. (The Emergency Program premiums
that already exist on this policy are earned
for the remainder of the policy term; they are
not refundable.)

?     The coverages being added are $50,000 on
the building and $15,000 on the contents for
a total of $85,000 on the building and
$25,000 on the contents; and $30,000
coverage for ICC.

?     To increase coverage, complete Sections A
and B. Section A is for current coverage,
Section B should show only the amounts
of the increases.

?     $15,000 of the $50,000 coverage to be added
on the building must be calculated in the
"Amount" column



under Section B, "Increased-Decreased
Coverage Only" (using the applicable
rate) to amend the present coverage to
the threshold for the Regular Program
basic limits.

?      $10,000 of the $15,000 coverage to be
added on the contents must be calculated
under the "Amount" column under Section
B, "Increased-Decreased Coverage Only"
(using the applicable rate) to amend the
present coverage to the threshold for the
Regular Program basic limits.

?     Add Sections A and     B   premiums to obtain
the New Premium Subtotals.

?     Add the ICC premium, which was not paid in
the Emergency Program.

?     The Premium Previously Paid is $362
(excluding ICC/Probation Surcharge/Federal
Policy Fee).

?     Subtract the Premium Previously Paid from
the Premium Total to obtain the Difference
(additional/return premium).

?    Prorate the Difference

           Time period is August 14, 2006,
           to January 15, 2007
           Number of days is 154
           Pro rata factor is .422



INSURANCE
COVERAGE
SECTION A
CURRENT COVERAGE
SECTION B
+ INCREASED    — DECREASED
COVERAGE
                        ONLY
NEW
PREMI
UM
TOTAL
S

AMOUNT
RATE
PREMIUM
AMOUNT
RATE
PREMIUM

BUILDING BASIC
35,000
.76
266
15,000
.64
96
362
BUILDING
ADDITIONAL



35,000
.14
49
49
CONTENTS
BASIC
10,000
.96
96
10,000
.99
99
195
CONTENTS
ADDITIONAL



5,000
.25
13
13
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW
TOTAL AMOUNT BELOW
PAYMENT
OPTION:
SUBTOTAL
619
BUILDING COVERAGE
CONTENTS COVERAGE
? CREDIT
CARD
DEDUCT.
DISCOUNT/SURCH
ARGE
?
BASIC
ADDITIO
NAL
TOTA
L
BASIC
ADDITIO
NAL
TOTAL
? OTHER:
SUBTOTAL
619
50,000
35,000
85,00
0
20,000
5,000
25,000
_________
ICC PREMIUM
6




SUBTOTAL
625
IF RETURN PREMIUM, MAIL REFUND TO: ? INSURED      ?   AGENT   ?
PAYOR. THE ABOVE
CRS PREMIUM
DISCOUNT ____%
?
STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE.   I
UNDERSTAND THAT
SUBTOTAL
625
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR
IMPRISONMENT UNDER
PREMIUM
PREVIOUSLY PAID
(Excludes Probation
Surcharge/ Federal
Policy Fee)


362
APPLICABLE FEDERAL LAW.



DIFFERENCE
+        (+/-)
+263
SIGNATURE OF INSURED AND DATE      SIGNATURE OF INSURANCE
AGENT/BROKER           DATE (MMDDYY)
PRO RATA FACTOR
.422
TOTAL
(+/-)
+111


EXAMPLE 3

INCREASING COVERAGE




?       Policy term is December 12, 2005-2006

?       Single family dwelling, no basement

?       Pre-FIRM Building

?       Building located in Zone      C

?     Present coverage:     Building      $35,000/
Contents $10,000

?     Endorsement is effective on May 1, 2006, to
add additional coverage of $65,000 on the
building and $15,000 on the contents for a
total of $100,000 building coverage and
$25,000 contents coverage.

?     Premium rates are:        Building .64/.14,
Contents .99/.25.

?     To   increase coverage, complete Sections A
and B.     Section A is for current coverage.
Section    B should show the amount of the
coverage   increase only.

?     $15,000 of the $50,000 coverage to be
added on the building must be calculated in
the "Amount" column under Section B,
"Increased-Decreased Coverage Only"
(using the applicable rate) to amend the
present coverage to the threshold for the
Regular Program basic limits.

?     $10,000 of the $15,000 coverage to be
added on the contents must be calculated
under the "Amount" column under Section
B, "Increased-Decreased Coverage Only"
(using the applicable rate) to amend the
present coverage to the threshold for the
Regular Program basic limits.

?       Add Section   A   and    B   premiums to obtain
the New Premium Totals.

?     Add the New Premium Totals to calculate
the Premium Subtotal.

?    Add in the ICC Premium.

?     The Premium Previously Paid is $329
(excluding Probation Surcharge/Federal
Policy Fee) which is the total current annual
premium including ICC premium.

?     Subtract the Premium Previously Paid from
the Premium Total to obtain the Difference
(should be additional/return premium).

?    Prorate the Difference

           Time period is May 1, 2006,
           to December 12, 2006
           Number of days is 225
           Pro rata factor is .616



INSURANCE
COVERAGE
SECTION A
CURRENT COVERAGE
SECTION B
+ INCREASED    — DECREASED
COVERAGE
                        ONLY
NEW
PREMI
UM
TOTAL
S

AMOUNT
RATE
PREMIUM
AMOUNT
RATE
PREMIUM

BUILDING BASIC
35,000
.64
224
15,000
.64
96
320
BUILDING
ADDITIONAL



50,000
.14
70
70
CONTENTS
BASIC
10,000
.99
99
10,000
.99
99
198
CONTENTS
ADDITIONAL



5,000
.25
13
13
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW
TOTAL AMOUNT BELOW
PAYMENT
OPTION:
SUBTOTAL
601
BUILDING COVERAGE
CONTENTS COVERAGE
? CREDIT
CARD
DEDUCT.
DISCOUNT/SURCH
ARGE
?
BASIC
ADDITIO
NAL
TOTAL
BASIC
ADDITIO
NAL
TOTAL
? OTHER:
SUBTOTAL
601
50,000
50,000
100,00
0
20,000
5,000
25,000
_________
ICC PREMIUM
6




SUBTOTAL
607
IF RETURN PREMIUM, MAIL REFUND TO: ? INSURED      ?   AGENT   ?
PAYOR. THE ABOVE
CRS PREMIUM
DISCOUNT ____%
?
STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE.   I
UNDERSTAND THAT
SUBTOTAL
607
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR
IMPRISONMENT UNDER
PREMIUM
PREVIOUSLY PAID
(Excludes Probation
Surcharge/ Federal
Policy Fee)


329
APPLICABLE FEDERAL LAW.



DIFFERENCE
+        (+/-)
+278
SIGNATURE OF INSURED AND DATE      SIGNATURE OF INSURANCE
AGENT/BROKER           DATE (MMDDYY)
PRO RATA FACTOR
.616

TOTAL
(+/-)
+171


EXAMPLE 4
INCREASING COVERAGE AFTER A RATE CHANGE




?      Policy term is July 15, 2005-2006

?      Single family dwelling, Regular Program

?      One floor, no basement

?     Current policy limits:    Building $30,000
Contents $8,000

?      Building located in an AE   Zone, Post-FIRM

?      Premium rates are:   Building   1.08, Contents
1.10

?     Post-FIRM construction with a     0   elevation
difference

?      Endorsement effective date is May 15, 2006

?     The coverages being added are $15,000 on
the building and $7,000 on contents for a
total of $45,000 building coverage and
$15,000 contents coverage.

?      A rate increase takes effect on May 1, 2006.

?     Rates in effect on the effective date of the
policy are to be used.

?     In Section A, enter the basic limits and
rates for building and contents in effect at
the beginning of the policy term.



?     In Section B, enter the $15,000 basic
building amount, and the applicable rate
(.98). (See page END 1, "Additional
Coverage or Increase in Amount of
Insurance." Companies are allowed to use
either rates in effect at policy inception or
rates in effect at endorsement effective
date.)

?     In Section B, enter the $7,000 basic
contents
      amount and the applicable rate (1.10).
?     Add Sections A and   B    premiums to obtain
the New Premium Totals.

?     Add the New Premium Totals to calculate
the
Premium Subtotal.

?    Add in the ICC Premium.

?     The Premium Previously Paid is $418
(excluding Probation Surcharge/Federal
Policy Fee), which is the total current annual
premium including ICC premium.

?     Subtract the Premium Previously Paid from
the Premium Total to obtain the Difference
(should
      be additional/return premium).

?    Prorate the Difference

           Time period is May 15, 2006,
           to July 15, 2006
           Number of days is 61
           Pro rata factor is .167



INSURANCE
COVERAGE
SECTION A
CURRENT COVERAGE
SECTION B
+ INCREASED    — DECREASED
COVERAGE
                         ONLY
NEW
PREMIU
M
TOTALS

AMOUN
T
RATE
PREMIUM
AMOUNT
RATE
PREMIUM

BUILDING BASIC
30,000
1.08
324
15,000
1.08
162
486
BUILDING
ADDITIONAL




CONTENTS BASIC
8,000
1.10
88
7,000
1.10
77
165
CONTENTS
ADDITIONAL




IF CHANGING AMOUNT OF INSURANCE, ENTER NEW
TOTAL AMOUNT BELOW
PAYMENT
OPTION:
SUBTOTAL
651
BUILDING COVERAGE
CONTENTS COVERAGE
? CREDIT
CARD
DEDUCT.
DISCOUNT/SURCH
ARGE
?
BASIC
ADDITIO
NAL
TOTA
L
BASIC
ADDITIO
NAL
TOTAL
? OTHER:
SUBTOTAL
651
45,000
0
45,00
0
15,000
0
15,000
_________
ICC PREMIUM
6




SUBTOTAL
657
IF RETURN PREMIUM, MAIL REFUND TO: ? INSURED      ?   AGENT   ?
PAYOR. THE ABOVE
CRS PREMIUM
DISCOUNT ____%
?
STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE.   I
UNDERSTAND THAT
SUBTOTAL
657
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR
IMPRISONMENT UNDER
PREMIUM
PREVIOUSLY PAID
(Excludes Probation
Surcharge/ Federal
Policy Fee)


418
APPLICABLE FEDERAL LAW.



DIFFERENCE
+        (+/-)
+239
SIGNATURE OF INSURED AND DATE        SIGNATURE OF INSURANCE
AGENT/BROKER         DATE (MMDDYY)
PRO RATA FACTOR
.167

TOTAL
(+/-)
 +40
EXAMPLE 5

REMOVING    CONTENTS




?    Policy term is May   20, 2005-2006

?    Non-residential structure

?    Emergency Program

?     Policy limits:   Building   $100,000/Contents
$100,000

?     Insured purchased a new business location
and moved the contents to the new location
while still retaining the old location as rental
property. (This explanation should be
recorded in the Reason for Change section
of the General Change Endorsement form.)

?     Present rates for building and contents are
.83/1.62.

?     Removal date and effective date of change
is January 14, 2006.

?     Enter the current building and contents
coverages in Section A and the current
rates (.83/1.62).



?     Enter the decrease in contents
coverage in Section B.

?    Add all New Premium Totals to obtain the
     Premium Subtotal.

?     The Premium Previously Paid is $2,450
(excluding Probation Surcharge/Federal
Policy Fee), which is the total current
premium from Section A.

?     Subtract the Premium Previously Paid from
the Premium Total to obtain the Difference
(should
be additional/return premium).

?    Prorate the Difference
             Time period is January 14, 2006,
             to May 20, 2006
             Number of days is 126
             Pro rata factor is .345




INSURANCE
COVERAGE
SECTION A
CURRENT COVERAGE
SECTION B
+ INCREASED    — DECREASED
COVERAGE
                        ONLY
NEW
PREMIU
M
TOTALS

AMOUNT
RATE
PREMIUM
AMOUNT
RATE
PREMIUM

BUILDING BASIC
100,000
.83
830
0


830
BUILDING
ADDITIONAL




CONTENTS
BASIC
100,000
1.62
1,620
-100,000
1.62
-1,620
0
CONTENTS
ADDITIONAL




IF CHANGING AMOUNT OF INSURANCE, ENTER NEW
TOTAL AMOUNT BELOW
PAYMENT
OPTION:
SUBTOTAL
830
BUILDING COVERAGE
CONTENTS COVERAGE
? CREDIT
CARD
DEDUCT.
DISCOUNT/SURCHA
RGE
?
BAS
IC
ADDITIO
NAL
TOTAL
BASIC
ADDITIO
NAL
TOTAL
? OTHER:
SUBTOTAL
830
?
?
100,00
0
?
?
0
_________
ICC PREMIUM
?
SUBTOTAL
830
IF RETURN PREMIUM, MAIL REFUND TO: ? INSURED      ?     AGENT   ?
PAYOR. THE ABOVE
CRS PREMIUM
DISCOUNT ____%
?
STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE.     I
UNDERSTAND THAT
SUBTOTAL
830
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR
IMPRISONMENT UNDER
PREMIUM
PREVIOUSLY PAID
(Excludes Probation
Surcharge/ Federal
Policy Fee)


2,450
APPLICABLE FEDERAL LAW.



DIFFERENCE
-        (+/-)
-1,620
SIGNATURE OF INSURED AND DATE       SIGNATURE OF INSURANCE
AGENT/BROKER          DATE (MMDDYY)
PRO RATA FACTOR
.345

TOTAL
(+/-)
-559


EXAMPLE 6

REDUCING    BUILDING     COVERAGE




?       Policy term is September 1, 2005-2006

?       Single family dwelling, with basement

?       Regular Program,    Zone    B, Post-FIRM

?       Policy limits:     Building $150,000/Contents
$0
?     A wing of the building was destroyed by fire
on July 1, 2006, and the building was
repaired without the wing, reducing the
value of the dwelling to $100,000. (This
explanation should be recorded in the
Reason for Change section of the General
Change Endorsement form.)

?    Present rates are:     Building   .73/.20.

?    Endorsement effective date is July 1, 2006.

?     In Section   A, enter the basic building
amount ($50,000)   and the applicable rate
(.73).

?     In Section B, enter the new additional
building amount at the same rate of .20.




?     Add Sections   A   and   B   to obtain the New
Premium Totals.

?     Add the New Premium Totals to obtain the
Premium Subtotal.

?     The Premium Previously Paid is $571
(excluding Probation Surcharge/Federal
Policy Fee), which is the total current annual
premium including ICC premium.

?    Add ICC Premium.

?     Subtract the Premium Previously Paid from
the Premium Total to obtain the Difference
(should be additional/return premium).

?    Prorate the Difference

           Time period is July 1, 2006,
           to September 1, 2006
           Number of days is 62
           Pro rata factor is .170



INSURANCE
COVERAGE
SECTION A
CURRENT COVERAGE
SECTION B
+ INCREASED      — DECREASED
COVERAGE
                          ONLY
NEW
PREMI
UM
TOTAL
S

AMOUNT
RATE
PREMIUM
AMOUNT
RATE
PREMIUM

BUILDING BASIC
50,000
.73
365
0


365
BUILDING
ADDITIONAL
100,000
.20
200
-50,000
.20
-100
100
CONTENTS
BASIC




?
CONTENTS
ADDITIONAL




?
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW
TOTAL AMOUNT BELOW
PAYMENT
OPTION:
SUBTOTAL
465
BUILDING COVERAGE
CONTENTS COVERAGE
? CREDIT
CARD
DEDUCT.
DISCOUNT/SURCHA
RGE
?
BASIC
ADDITIO
NAL
TOTAL
BASIC
ADDITIO
NAL
TOTAL
? OTHER:
SUBTOTAL
465
50,000
50,000
100,00
0



_________
ICC PREMIUM
6




SUBTOTAL
471
IF RETURN PREMIUM, MAIL REFUND TO: ? INSURED      ?   AGENT   ?
PAYOR. THE ABOVE
CRS PREMIUM
DISCOUNT ____%
?
STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE.   I
UNDERSTAND THAT
SUBTOTAL
471
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR
IMPRISONMENT UNDER
PREMIUM
PREVIOUSLY PAID
(Excludes Probation
Surcharge/ Federal
Policy Fee)


571
APPLICABLE FEDERAL LAW.



DIFFERENCE
-        (+/-)
-100
SIGNATURE OF INSURED AND DATE       SIGNATURE OF INSURANCE
AGENT/BROKER          DATE (MMDDYY)
PRO RATA FACTOR
.170

TOTAL
(+/-)
-17


EXAMPLE 7

INCREASING DEDUCTIBLE




?       Policy term is January 15, 2006-2007

?       Single family dwelling

?       Emergency Program (Pre-FIRM)

?     Current policy limits:     Building
$35,000/Contents $10,000

?       Policy deductible:    $1,000/$1,000

?     Insured requests to increase deductible to
$4,000/$2,000 (.825), effective June 15,
2006. (This explanation should be recorded
in the Reason for Change section of the
General Change Endorsement form.)

?       Present rates are:   Building:   .76, Contents
.96.

?       Enter the current building and contents
coverage in Section       A, and enter the
applicable rates.

?     Add Sections    A    and   B   to obtain the New
Premium Totals.

?     Add the New Premium Totals to obtain the
Premium Subtotal.

?     The Premium Previously Paid is $362
(excluding ICC*, and Probation
Surcharge/Federal Policy Fee), which is the
total current annual premium from Section
A.

?     Calculate the Deductible Discount amount
and enter that amount in the block marked
Difference.

?    Prorate the Difference

           Time period is June 15, 2006,
           to January 15, 2007
           Number of days is 214
           Pro rata factor is .586

*ICC-N/A in Emergency Program




INSURANCE
COVERAGE
SECTION A
CURRENT COVERAGE
SECTION B
+ INCREASED    — DECREASED
COVERAGE
                        ONLY
NEW
PREMIU
M
TOTALS

AMOUNT
RATE
PREMIUM
AMOUNT
RATE
PREMIUM

BUILDING BASIC
35,000
.76
266
0


266
BUILDING
ADDITIONAL




?
CONTENTS
BASIC
10,000
.96
96
0


96
CONTENTS
ADDITIONAL




?
IF CHANGING AMOUNT OF INSURANCE, ENTER NEW
TOTAL AMOUNT BELOW
PAYMENT
OPTION:
SUBTOTAL
362
BUILDING COVERAGE
CONTENTS COVERAGE
? CREDIT
CARD
DEDUCT.
DISCOUNT/SURCH
ARGE
-63
BAS
IC
ADDITIO
NAL
TOTA
L
BASIC
ADDITIO
NAL
TOTAL
? OTHER:
SUBTOTAL
299




_________
ICC PREMIUM
N/A




SUBTOTAL
299
IF RETURN PREMIUM, MAIL REFUND TO: ? INSURED      ?   AGENT
? PAYOR. THE ABOVE
CRS PREMIUM
DISCOUNT ____%
?
STATEMENTS ARE CORRECT TO THE BEST OF MY KNOWLEDGE.   I
UNDERSTAND THAT
SUBTOTAL
299
ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE OR
IMPRISONMENT UNDER
PREMIUM
PREVIOUSLY PAID
(Excludes Probation
Surcharge/ Federal
Policy Fee)


362
APPLICABLE FEDERAL LAW.



DIFFERENCE
-        (+/-)
-63
SIGNATURE OF INSURED AND DATE        SIGNATURE OF INSURANCE
AGENT/BROKER         DATE (MMDDYY)
PRO RATA FACTOR
.586
TOTAL
(+/-)
-37




        POLICY RENEWALS



XXVIII.      GENERAL INFORMATION

The Standard Flood Insurance Policy is not a
continuous policy. Each policy contract expires
at 12:01 a.m. on the last day of the policy term.
Renewal of an expiring policy establishes a new
policy term and new contractual agreement
between the policyholder and the Federal
Emergency Management Agency. The NFIP
must issue a notice of expiration not less than
45 days before the expiration of the flood
insurance policy by first class mail to the owner
of the property, the servicer of any loan secured
by the property, and (if known) the owner of the
loan.

All policies, including Submit-for-Rate, must be
renewed using the rates in effect on the renewal
date.

Policy renewal documentation and premium
should be submitted to the NFIP in advance of
the policy expiration date to ensure there is no
lapse in coverage. There are two ways to renew
a policy written directly with the National Flood
Insurance Program or WYO Company:

      1.   The producer should complete the entire
Flood Insurance Application when
recertifying or changing policy
information, and mail it with the Total
Prepaid Amount to the NFIP.

           The 30-day waiting period applies when
an additional amount of insurance
requested at renewal time is higher than
the amount listed on the renewal bill
provided by the insurer. The beginning of
the waiting period is determined by the
standard rules.

       OR

      2.   The payor should respond to a Renewal
Notice by selecting an option shown on
the direct mail notice and returning it with
the Total Prepaid Amount to the NFIP.

XXIX. RENEWAL NOTICE

All parties listed on the policy (insured, agent,
mortgagees) are mailed a Renewal Notice 45
days prior to the policy expiration date. The party
designated on the policy record as the payor
receives the payor's copy of the bill; all other
parties receive a copy that states "THIS IS NOT A
BILL."


YY.   Renewing for the Same Coverage –
Option A

Option A of the Renewal Notice shows current
amounts of insurance and deductibles at the time
the Renewal Notice is printed

ZZ.    Inflation Factor – Option B

Option B shows premium for amounts of
insurance increased by an inflation factor of 10
percent for building coverage and 5 percent for
contents coverage. The current deductible is
used. For Preferred Risk Policies, Option B is the
next higher coverage package available. There is
no waiting period if Option B is chosen. The
inflation option will be no higher than the
replacement cost on record for that policy. If
coverage higher than the current replacement
cost on record is desired, updated replacement
cost documentation must be submitted.

AAA.   No Renewal Notice Generated

Renewal Notices will not be generated for the
following situations:
1.    Building under construction
2.    Tentatively rated policy
3.    Suspended community
4.    Provisional rating
5.    Group Flood Insurance policy
6.    PRP ineligibility
7.    Section 1316 property
XXX.   PREMIUM PAYMENT DUE

To ensure that the policy is renewed without a
lapse in coverage, the premium must be received
by the NFIP within 30 days after the expiration
date. As an alternative, the premium can be
mailed by certified mail within 30 days after the
expiration date. The term "certified mail" has been
broadened to include not only the U.S. Postal
Service but also certain third-party delivery
services. For details, see the paragraph following
VIII.B.2. on page GR 7.

Renewal payments may also be paid by VISA,
MasterCard, American Express, or Diners Club.
Use the detachable payment stub at the bottom
of the Renewal and Final Notices, or use the
Credit Card Payment Form at the end of this
section. The form is also available in the Forms
Library on the NFIP Servicing Agent's web site at
www.nfipservices.com. If a charge is declined,
you will be notified by mail.


XXXI. FINAL NOTICE

If the premium payment is not received by the
NFIP by the date of expiration, a Final Notice is
produced. This notice is mailed to the producer,
insured, and mortgagee. The expired policy will
be reissued with a new effective date if the
premium payment is not received by the NFIP
within 30 days following the policy expiration
date.

Mortgagee protection under the policy shall
continue in force after the expiration of the policy
for 30 days from the mailing date.

XXXII.      RENEWAL EFFECTIVE DATE
      DETERMINATION

Renewal dates are calculated as follows:

      ?    If the Final Notice and the premium
payment are received by the NFIP within
30 days following the expiration, the policy
will be issued under the same policy
number as the previous term, with no
lapse in coverage. For example, if the
policy expires on May 1, the Final Notice
and premium payment must be received
on or before May 30.
      ?    If the Final Notice and the premium
payment are received by the NFIP after
the 30-day period, but within 90 days
following the expiration, the policy will be
placed in force 30 days following receipt
by the NFIP.

      ?    If the Final Notice and the premium
payment are received after 90 days
following the expiration date, the agent


must submit a new application with the full
annual premium. The standard 30-day
wait rules will apply.

XXXIII.     INSUFFICIENT RENEWAL
      INFORMATION

To generate Renewal Notices and Final Notices,
the NFIP must have received acceptable
application data. A Renewal Notice will not be
generated in cases where a policy application
has not been corrected prior to the start of a
renewal cycle. Therefore, it is important that
producers respond immediately to the requests
for additional information.

XXXIV.      ENDORSEMENTS DURING
RENEWAL
      CYCLE

Endorsements received at the NFIP within 75
days of the policy expiration date may not be
reflected on the renewal bill. The producer
should, therefore, ensure that the new policy is
properly endorsed after renewal.

The producer should use a renewal application to
ensure that all changes are reflected on the
renewal.

XXXV. REPETITIVE LOSS TARGET GROUP
      PROPERTIES

These must be processed by the NFIP Special
Direct Facility. See the Repetitive Loss section of
this manual for information.



     SUMMARY OF POLICY NOTICES
     NOTICES


RENEWAL NOTICE
Shown on
page
s
REN
4-5




FINAL NOTICE
Shown on pages REN 6-7




POLICY
DECLARATIONS PAGE
Not shown

     INSURED


NFIP mails notice for
payment 45 days
prior to renewal date.



NFIP mails notice on
policy expiration
date.




NFIP mails Policy
Declarations Page.

     PRODUCER


NFIP mails notice for
payment 45 days
prior to renewal
date.
NFIP mails notice on
policy expiration
date.




NFIP mails Policy
Declarations Page.

     MORTGAGEE


NFIP mails notice for
payment 45 days
prior to renewal date.



NFIP mails a 30-day
notice of nonrenewal
on expiration date.
Mortgagee protection
terminates 30 days
after mailing of
notice.


NFIP mails Policy
Declarations Page.
Policy Number:
Policy Expiration Date:
Billing Date:


Payor:
Agent:


Insured Property Location:

RENEWAL NOTICE: Your flood insurance is about to expire on the date shown
above. Please follow renewal instructions on the remittance coupon
below.
Special Instructions:


Coverages
Deductibles

Coverage Options
Building
Contents
Building
Contents
Premium
A. CURRENT COVERAGE




B. INCREASED COVERAGE




See reverse side of bill for important additional information.
Payor Copy
RETAIN FOR YOUR RECORDS
(Please detach here and send this portion with your payment.)
Policy No.:
Bill ID:
Loan No.:
Amount Paid $
Choose from one of the following payment options: ? Option A         ?
Option B
For credit card payment, check card type and provide account information
below:
? MasterCard   ? VISA   ? AMEX
Card #:

? Diners Club    Cardholder Signature:




Exp. Date:
____/____

X__________________________________________________
Payor
To remit by check, make check payable to:

National Flood Insurance Program
Post Office Box 105656
Atlanta, Georgia 30348-5656
Due Date:
Billing Date:
To renew your policy by check or money order, be sure
to return this portion to the address above. Make
payment for the exact amount of the coverage option you
selected. Write your policy number on your check or
money order.


IMPORTANT MESSAGES

1.    PROVIDED YOUR PAYMENT IS RECEIVED WITHIN 30 DAYS OF THE EXPIRATION
OF YOUR
POLICY, IT WILL BE RENEWED WITHOUT A LAPSE IN COVERAGE. ANY PAYMENT
RECEIVED
AFTER THE 30-DAY GRACE PERIOD AND PRIOR TO 90 DAYS WILL STILL RENEW YOUR
POLICY;
HOWEVER, THERE WILL BE A 30-DAY WAITING PERIOD FOR COVERAGE TO BECOME
EFFECTIVE. THE 30-DAY WAITING PERIOD BEGINS THE DAY THE PREMIUM IS
RECEIVED.
2.    YOU ARE ENCOURAGED TO INSURE YOUR PROPERTY FOR AT LEAST 80% OF THE
STRUCTURE'S REPLACEMENT COST TO ENSURE ADEQUATE COVERAGE IN THE EVENT OF
A
LOSS. CONTACT YOUR INSURANCE AGENT FOR DETAILS.
3.    IF THE MORTGAGEE LISTED ON THE BILL IS NOT THE CURRENT MORTGAGEE,
PLEASE
FORWARD THE BILL TO THE NEW FINANCIAL INSTITUTION (IF THEY ARE
RESPONSIBLE FOR
PREMIUM PAYMENT) AND HAVE A CHANGE ENDORSEMENT SENT TO CORRECT THE
POLICY.
4.    IF THIS POLICY IS A PREFERRED RISK POLICY (PRP), PLEASE NOTE. IF
THE FLOOD ZONE
LISTED ON YOUR POLICY IS NOT THE ZONE ON THE CURRENT FLOOD INSURANCE RATE
MAP,
YOU MAY NO LONGER BE ELIGIBLE FOR THE PRP. PLEASE CONTACT YOUR INSURANCE
REPRESENTATIVE TO VERIFY IF YOU ARE STILL ELIGIBLE FOR THIS POLICY OR TO
OBTAIN A
QUOTE FOR A STANDARD POLICY.




IMPORTANT NOTICE

This policy is not subject to cancellation for reasons other than those
set forth in the National Flood
Insurance Program rules and regulations. In matters involving billing
disputes, cancellation is not
available other than for billing processing error or fraud.
Policy Number:
Policy Expiration Date:
Billing Date:


Payor:
Agent:


Insured Property Location:

FINAL NOTICE: Your flood insurance policy expired on the date shown
above.
Please disregard this notice if your payment has already been mailed.
Special Instructions:


Coverages
Deductibles

Coverage Options
Building
Contents
Building
Contents
Premium
A. CURRENT COVERAGE




B. INCREASED COVERAGE




See reverse side of bill for important additional information.
Payor Copy
RETAIN FOR YOUR RECORDS
(Please detach here and send this portion with your payment.)
Policy No.:
Bill ID:
Loan No.:
Amount Paid $
Choose from one of the following payment options: ? Option A         ?
Option B
For credit card payment, check card type and provide account information
below:
? MasterCard   ? VISA   ? AMEX
Card #:

? Diners Club    Cardholder Signature:




Exp. Date:
____/____

X__________________________________________________
Payor
To remit by check, make check payable to:

National Flood Insurance Program
Post Office Box 105656
Atlanta, Georgia 30348-5656
Due Date:
Billing Date:
To renew your policy by check or money order, be sure
to return this portion to the address above. Make
payment for the exact amount of the coverage option you
selected. Write your policy number on your check or
money order.


IMPORTANT MESSAGES

1.    PROVIDED YOUR PAYMENT IS RECEIVED WITHIN 30 DAYS OF THE EXPIRATION
OF YOUR
POLICY, IT WILL BE RENEWED WITHOUT A LAPSE IN COVERAGE. ANY PAYMENT
RECEIVED
AFTER THE 30-DAY GRACE PERIOD AND PRIOR TO 90 DAYS WILL STILL RENEW YOUR
POLICY;
HOWEVER, THERE WILL BE A 30-DAY WAITING PERIOD FOR COVERAGE TO BECOME
EFFECTIVE. THE 30-DAY WAITING PERIOD BEGINS THE DAY THE PREMIUM IS
RECEIVED.
2.    YOU ARE ENCOURAGED TO INSURE YOUR PROPERTY FOR AT LEAST 80% OF THE
STRUCTURE'S REPLACEMENT COST TO ENSURE ADEQUATE COVERAGE IN THE EVENT OF
A
LOSS. CONTACT YOUR INSURANCE AGENT FOR DETAILS.
3.    IF THE MORTGAGEE LISTED ON THE BILL IS NOT THE CURRENT MORTGAGEE,
PLEASE
FORWARD THE BILL TO THE NEW FINANCIAL INSTITUTION (IF THEY ARE
RESPONSIBLE FOR
PREMIUM PAYMENT) AND HAVE A CHANGE ENDORSEMENT SENT TO CORRECT THE
POLICY.
4.    IF THIS POLICY IS A PREFERRED RISK POLICY (PRP), PLEASE NOTE. IF
THE FLOOD ZONE
LISTED ON YOUR POLICY IS NOT THE ZONE ON THE CURRENT FLOOD INSURANCE RATE
MAP,
YOU MAY NO LONGER BE ELIGIBLE FOR THE PRP. PLEASE CONTACT YOUR INSURANCE
REPRESENTATIVE TO VERIFY IF YOU ARE STILL ELIGIBLE FOR THIS POLICY OR TO
OBTAIN A
QUOTE FOR A STANDARD POLICY.




IMPORTANT NOTICE

This policy is not subject to cancellation for reasons other than those
set forth in the National Flood
Insurance Program rules and regulations. In matters involving billing
disputes, cancellation is not
available other than for billing processing error or fraud.


X.   CREDIT CARD PAYMENT FORM


The National Flood Insurance Program accepts flood insurance premium
payments on VISA, MasterCard, American
Express, and Diners Club credit cards.

If you wish to pay for your policy by credit card, fill out the bottom
portion of this page, then detach and return it with
your Flood Insurance Application, Renewal Notice or Final Notice, or
General Change Endorsement Form.

If your charge is not accepted, you will be notified by mail.
Flood Insurance Policy Number:   ________________________________________

VISA ? MasterCard    ? American Express    ?    Exp. Date: _____/_____
Diners Club ?

Account No.: ?


Cardholder's Name:______________________Amount of Charge $____________

Billing Address:______________________________________________________

City, State & ZIP Code:________________________________________________

Signature:______________________________________Date: _____/_____/_____

This policy is not subject to cancellation for reasons other than those
set forth in the National Flood Insurance Program
rules and regulations. In matters involving billing disputes,
cancellation is not available other than for billing processing
errors or fraud.

CANCELLATION/NULLIFICATION




Flood insurance coverage may be terminated at
any time, by either cancelling or nullifying the policy
depending upon the reason for the transaction. If
coverage is terminated, the insured may be entitled
to a full or partial refund under applicable rules and
regulations. In some instances, the insured might
be ineligible for a refund.

XXXVI.      PROCEDURES AND VALID REASONS

Submit a completed Cancellation/Nullification
Request Form and proper documentation to the
current NFIP insurer for processing.

BBB.   Refund Processing Procedures

1.    The current NFIP insurer (WYO Company
or Direct Business) will be responsible for
returning the premium for the current and 1
prior policy year, provided that it was the
insurer for that period. If another NFIP
insurer was the insurer for the prior policy
year, it will be responsible for returning the
premium for that year.
2.    Requests for refunds for more than 2 years
(Reason Codes 4, 6, 16, and 22 only) must
be processed by the NFIP Bureau.

a.    For requests processed by the
Bureau, the current NFIP insurer must
submit all of the documentation
necessary to make a refund for any
period exceeding 2 years. At a
minimum, this docu-mentation will
consist of the following:

?     A policy cancellation request and
the premium refund calculation for
each year.

?     The company's statistical records or
declarations pages for each policy
term and evidence of premium pay-
ments obtained from the insured if
these documents are not available
from the company's records.

?    Photographs to verify ineligible risks.

?     For Cancellation Reason Code 22
only (standard policy eligible for
PRP): A Letter of Map Amendment
(LOMA); a Letter of Map Revision
(LOMR); a copy of the most recent
flood map marked to show the exact
location and flood zone of the
building; a letter indicating the exact
location and flood zone of the
building, and signed and dated by a
local community official; an Elevation
Certificate indicating the exact
location and flood zone of the
building, and signed and dated by a
surveyor, engineer, architect, or local
community official; or a flood zone
determination certification that guar-
antees the accuracy of the
information.

b.    Mail the appropriate documentation to the
NFIP Bureau and Statistical Agent,
Under-writing Department, P.O. Box 310,
Lanham, MD 20703.

3.    WYO Companies will be notified of the
premium refunded and the Expense
Allowance due to the NFIP. The companies
must maintain this documentation as part of
their underwriting files.

4.    The insured must have a current NFIP policy
to be eligible for a refund of any prior year's
premium. All existing refund rules concerning
the Federal Policy Fee and producer
commission remain in effect.

TRRP reason codes in this section are used for
reporting purposes only.

CCC. Reason Codes for Cancellation/
Nullification of NFIP Policies

1.    Building Sold or Removed.   (TRRP
reason 01)

The insured has sold or transferred
ownership of the insured property and no
longer has an insurable interest; the builder
or developer has requested to cancel the
policy mid-term because a newly created
association has purchased a policy under
its name; or the insured property has been
removed from the described location. The
effective date of the cancellation is the date
the insured ceased to have an insurable
interest in the property. For buildings sold,
proof-of-sale documentation is required.

?    Type of Refund: Pro Rata

?    Years Eligible for Refund: Up to 2 years

?     Cancellation Request: Must be received
within 1 year of date of sale or removal

?     Documentation: Bill of sale, settlement
statement, or proof of total loss
2.    Contents Sold or Removed. (TRRP
reason 02)

The insured has sold or transferred
ownership of the insured property and no
longer has an insurable interest, or the
insured property has been completely
removed from the described location. The
effective date of the cancellation is the date
the insured ceased to have an insurable
interest in the property at the described
location, or the date the property was
removed from the described location.
?    Type of Refund: Pro Rata

?    Years Eligible for Refund: Up to 2 years

?     Cancellation Request: Must be received
within 1 year of date of sale or removal

?     Documentation: Bill of sale, proof of
contents removal, or proof of total loss

3.    Policy Cancelled and Rewritten To
Establish a Common Expiration Date
with Other Insurance Coverage. (TRRP
reason 03)

The new policy must be rewritten within the
same company for the same or higher
amounts of coverage. However, if it is
rewritten for higher amounts of coverage,
the waiting period rule will apply. The
producer must submit a new Application
and premium. Upon receipt of the new
policy declarations page, the producer
should request cancellation of the prior
policy. The effective date of the cancellation
will be the same as the effective date of the
new policy.

?    Type of Refund: Pro Rata

?    Years Eligible for Refund: Current year

?     Cancellation Request: Must be received
within 1 year of the new policy effective
date

?     Documentation: Copy of new policy
declarations page

Duplicate NFIP Policies.   (TRRP reason 04)

When a duplicate NFIP policy has been
issued, only one policy can remain in effect.
The insured can choose which policy is to
remain in effect and which policy is to be
cancelled. This does not apply when there
has been a deliberate creation of duplicate
policies. If this event does occur, the policy
with the later effective date must be
cancelled. Losses occurring under such
circumstances will be adjusted according to
the terms and conditions of the first policy.

When coverage has been force-placed by
a lender using a conventionally written
standard policy because the required
underwriting information is available, that
policy is considered equivalent to the
MPPP policy. The WYO Company is
authorized to cancel the standard (force-
placed) or the MPPP policy, provided that
a copy of the force-placement letter from
the mortgagee and a copy of the policy
declarations page are submitted with the
Cancellation/Nullification Request Form.

?    Type of Refund: Pro Rata

?    Years Eligible for Refund: Up to 6 years

?     Cancellation Request: Must be received
within 1 year of the policy expiration
date

?     Documentation: Copy of declaration
page(s) and, for the MPPP, a copy of
the force-placement letter from the
mortgagee

Non-Payment.   (TRRP reason 05)

When a producer accepts a premium
payment from a client and then submits an
agency check to the NFIP with the
application, the policy may be nullified if the
client's check is returned because of
insufficient funds or any other reason the
check is not made good to the producer.
The bank's notice must be attached to the
form when this situation occurs. If the
producer can document this, a full premium
refund is provided to the producer. If a
WYO company has covered the premium
for a prospective insured and then does not
receive payment, the policy can be nullified.

           This reason cannot be used if the producer
advanced agency funds and the client
simply refused to pay the agency.

?    Type of Refund: Full

?    Years Eligible for Refund: Current year

?     Cancellation Request: Must be received
during the policy year

?    Documentation: Bank notice of non-
payment

Risk Not Eligible for Coverage.   (TRRP reason
06)

This reason is used to nullify a policy when
an application was submitted and a policy
issued on a property not eligible for
coverage. A clear and precise explanation
must be included when submitting this type
of cancellation request. Examples include:

-     Property not located in a community
participating in the NFIP. (The use of
an incorrect community number
allowed the policy to be issued.)

-    Contents located in an open building.

-     Property is located in a Coastal
Barrier Resources System (CBRS)
area.

?    Type of Refund: Full

?     Years Eligible for Refund: No limit, back
to policy inception

?     Cancellation Request: Must be received
within 1 year of the policy expiration date

?     Documentation: Tax records, Section
1316 declaration, or CBRA determi-
nation, as appropriate, or photographs
showing ineligibility

Property Closing Did Not Occur.   (TRRP
reason 08)

This reason is used to nullify a policy when
a policy is issued for a closing at the time of
settlement on a property and the transfer of
the property does not take place. The client
does not actually acquire an insurable
interest in the property.

?    Type of Refund: Full

?    Years Eligible for Refund:   Current year

?     Cancellation Request: Must be received
during the policy year

?    Documentation: Statement from title
company, lender,   or attorney
representing the   interests of title
company, lender,   or insured, that the
property closing   did not occur

Policy Not Required by Mortgagee.    (TRRP
reason 50)

This provides a means to cancel a policy
when coverage was required by the
mortgagee for a closing and it was later
determined that the property was not
located in a Special Flood Hazard Area
(SFHA). As a result, coverage was not
required by the mortgagee. The
mortgagee's statement to this effect must
be attached to the Cancellation/Nullification
Request Form.

      This cancellation reason can be used only if
the cancellation request was made during
the initial policy term. The cancellation
effective date is the date the cancellation
request is received by the writing company.
A revised determination from the lender
may be used to cancel the policy. A FEMA
Out-As-Shown Determination, as a result of
a LOMA application, is needed if there is a
discrepancy between the lender's and the
insured's determinations.

      NOTE: This cancellation reason may be
used even if the policy was written as being
in a non-SFHA.

Type of Refund: Pro Rata

Years Eligible for Refund: Current year

Cancellation Request: Must be received
during the policy year

Documentation: Copy of original mandatory
purchase document and current
mortgagee statement that policy is not
required; a revised determination from
the lender showing that the building is
not in an SFHA.

Insurance No Longer Required by Mortgagee
Because Property Is No Longer Located
in a Special Flood Hazard Area Because
of a Physical Map Revision. (TRRP
reason 09)
Flood insurance was initially required by the
mortgagee or other lender because the
property was determined to be in an SFHA.
Following the physical revision of a map, if
the property is no longer located in an
SFHA, then the policy may be cancelled
provided the mortgagee confirms in writing
that (1) the insurance was required as part
of the mortgage; and (2) the lender no
longer requires the flood insurance policy.

NOTE: RCBAP policies require a release
from the mortgagee of every unit owner in
the association or a statement of the unit
owner, if no mortgagee. Only after this
requirement is met can the policy be
cancelled.

?    Type of Refund: Full

?     Years Eligible for Refund: Current year
and for an additional policy year in
those cases where the insured had
been required to renew the policy
during the 6-month period when a
revised map was being reprinted,
provided no claim has been paid or is
pending during the policy year that is
being cancelled

?     Cancellation Request: Must be received
within 6 months of the policy expiration
date

?     Documentation:   Statement from mort-
gagee that insurance   was required as
part of mortgage but   is no longer
required, and a copy   of the revised map

10.   Condominium Policy (Unit or
Association) Converting to RCBAP.
(TRRP reason 45)

This provides a means to cancel a condominium
policy because coverage is being
provided under an RCBAP.
Duplicate coverage occurs when
the unit owner policy and the
RCBAP limits are more than the
cost of the unit, up to the maximum
limits of the Program.

?    Type of Refund: A pro rata premium
refund, including Federal Policy Fee
and Probation Surcharge, is provided.

?     Years Eligible for Refund: Up to 6 years

?     Cancellation Request: Must be received
within 1 year of the policy expiration
date

?     Documentation: Copy of RCBAP and
value of unit

11.   No longer valid.

12.   Mortgage Paid Off.   (TRRP reason 52)

This reason is used to cancel a policy that
was obtained due to a requirement by a
mortgagee or lender as a condition of a
mortgage loan, and that mortgage loan has
now been paid off.

?     Type of Refund: Pro Rata

?     Years Eligible for Refund: Current year

?     Cancellation Request: Must be received
within 6 months of the date the
mortgage was paid off for the
cancellation to be effective on the date
of payoff. When the request is received
after 6 months, the effective date for
cancellation is the receipt date of the
request.

?     Documentation: Statement from mort-
gagee that mortgage has been paid off
and that flood insurance was required
as part of mortgage

13.   Voidance Prior to Effective Date.   (TRRP
reason 60)

This reason is used when coverage is not
mandatory and a policyholder decides
during the 30-day waiting period, or prior to
the effective date of a renewal, not to take
the policy, after submitting a premium
payment.

?     Type of Refund: Full

?     Years Eligible for Refund: Current year
?     Cancellation Request: Must be received
prior to the policy effective date

?    Documentation: Policyholder's request

14.   Voidance Due to Credit Card Error.
(TRRP reason 70)

This reason is used when an error or billing
dispute occurs (processing error or fraud)
on a credit card payment.

?    Type of Refund: Full

?    Years Eligible for Refund: Current year

?     Cancellation Request: Must be received
during the policy year

?     Documentation: Credit card notice of
non-payment

15.   Insurance No Longer Required Based
on FEMA Review of Lender's Special
Flood Hazard Area Determination.
(TRRP reason 16)

Flood insurance was initially required by the
mortgagee or other lender because the
property was determined to be in a Special
Flood Hazard Area (SFHA). Following a
review under the Flood Disaster Protection
Act of 1973, as amended, FEMA issued a
Letter of Determination Review (LODR)
because the building or manufactured
home is not in an SFHA and insurance is
not required. The policy may be canceled
back to inception.

This cancellation reason can be used only if
the request from the borrower and lender
was sent to FEMA for a LODR within 45
days from the lender's notification to the
borrower that the building is in an SFHA
and that flood insurance is required.

?    Type of Refund: Full

?     Years Eligible for Refund: Current year
provided no claim has been paid or is
pending

?     Cancellation Request: Must be received
within 6 months of the policy expiration
date

?     Documentation: Copy of FEMA's Letter
of Determination Review, and
statement from the lender that flood
insurance is not required

16.   Duplicate Policies from Sources Other
Than the NFIP. (TRRP reason 17)

This reason code is used to cancel an NFIP
policy when a duplicate policy has been
obtained from sources other than the NFIP.

?      Type of Refund: Pro Rata

?      Years Eligible for Refund: Current year

?     Cancellation Request: Must be received
within 6 months of the new policy
effective date. When the request is
received after 6 months, the effective
date for cancellation is the receipt date
of the request.

?     Documentation: Copy of declarations
page of the new policy and a statement
from the mortgagee, if any, accepting
the non-NFIP policy as the replacement

17.    No longer valid.

18.   Mortgage Paid Off on a Mortgage
Portfolio Protection Program (MPPP)
Policy. (TRRP reason 52)

This reason code is used to cancel an
MPPP Policy after the mortgage is paid off.

?      Type of Refund: Pro Rata

?      Years eligible for refund: Current year

?     Cancellation Request: Must be received
within 6 months of the date the
mortgage was paid off for the
cancellation to be effective on the date
of payoff. When the request is received
after 6 months, the effective date for
cancellation is the receipt date of the
request.

?     Documentation: Statement from mort-
gagee that mortgage has been paid off
and that flood insurance was required
as part of mortgage

19.   Insurance No Longer Required by the
Mortgagee Because the Structure Has
Been Removed from the Special Flood
Hazard Area (SFHA) by Means of Letter
of Map Amendment (LOMA) or Letter of
Map Revision (LOMR). (TRRP reason 20)

Where flood insurance was required by the
mortgagee or other lender because the
property was determined to be in an SFHA,
and it is later determined that the property is
no longer located in an SFHA through the
issuance of a LOMA or LOMR, the policy
can be cancelled provided the lender
confirms in writing that (1) the insurance
was required by the lender and that (2) the
lender no longer requires the retention of
the flood insurance. A copy of the LOMA or
LOMR must accompany this request.

NOTE: RCBAP policies require a
release from the mortgagee of every
unit owner in the association or a
statement of the unit owner, if no
mortgagee. Only after this
requirement is met can the policy be
cancelled.

?     Type of Refund: Full
?     Years Eligible for Refund: Current year
and, if applicable, 1 prior year provided
no claim has been paid or is pending
during the policy year that is being
cancelled

?     Cancellation Request: Must be
received within 6 months of the
policy expiration date

?     Documentation:
Statement from
mort-gagee that
insurance was
required as part of
mortgage but is no
longer required,
and a copy of the
LOMA/LOMR

20.   Policy Was Written to the Wrong Facility
(Repetitive Loss Target Group). (TRRP
reason 21)

This reason is used to cancel a policy flat
when coverage was inadvertently written to
the wrong facility on those structures that
were identified as part of the Repetitive
Loss Target Group. The cancellation
effective date must be the same as the
policy effective date.

?     Type of Refund: Full

?     Years Eligible for Refund: Current year

?     Cancellation Request: Must be received
during the policy year

?     Documentation: Repetitive Loss Target
Group Report provided by the NFIP
Bureau and Statistical Agent

21.   Other: Continuous Lake Flooding or
Closed Basin Lakes. (TRRP reason 10)

This cancellation code is used for
continuous lake flooding or closed basin
lakes. The cancellation can be for only one
term of a policy. The cancellation effective
date must be after the date of loss.

?     Type of Refund: No refund allowed

?     Years Eligible for Refund: N/A

?     Cancellation Request: N/A

?     Documentation: FEMA notification


22.   Cancel/Rewrite.   (TRRP reason 22)

This reason code is used when ineligible
PRPs or MPPP policies are canceled and
rewritten and when changes are made due
to system constraints. The code should also
be used to cancel a standard policy that is
eligible for a PRP. Refunds resulting from
the cancellation must be applied to the
rewritten policy prior to any refund being
generated. Use rollover indicator "Z" to
report the new policy.

?     Type of Refund: Full
?      Years Eligible for Refund: Up to 6 years

?      Cancellation Request: N/A

?     Documentation: LOMA, LOMR, zone
determination, etc.

23.    Fraud.   (TRRP reason 23)

This reason code is used when fraud has
been determined by FEMA. No premium
refund is allowed with this reason code. The
agent will retain the full commission, and
the company's expense allowance will not
be reduced.

?      Type of Refund: No refund allowed

?      Years Eligible for Refund: N/A

?      Cancellation Request: N/A

?      Documentation: FEMA notification


XXXVII.    COMPLETING THE
CANCELLATION/ NULLIFICATION
REQUEST FORM

DDD.   Current Policy Number

In the upper right corner of the form, enter the
NFIP policy number.


EEE.   Policy Term

Enter the policy term and the cancellation
effective date.




FFF.   Agent Information

Enter the complete name, mailing address,
phone number, and fax number of the producer.

GGG.   Insured Mail Address

Enter the complete name, mailing address, and
phone number of the insured. If the insured has
moved to a new location, enter the new mailing
address.
HHH.   First Mortgagee

Enter the complete name, mailing address,
phone number, and fax number of the first
mortgagee.

III.   Other Parties Notified

Enter the complete name and mailing address of
all other interested parties who are to be notified,
such as any additional insured, the second
mortgagee, the loss payee, trustee, or disaster
assistance agency.

JJJ.   Property Location

Enter the location of the insured property.


KKK.   Cancellation Reason Code

Check the reason for cancellation of the policy
and provide any additional information required.



LLL.   Refund

Check the appropriate box to indicate to whom
the refund is to be made payable.

When a Cancellation/Nullification Request Form
is received that directs the NFIP to make a
premium refund to the PAYOR and the policy
has been endorsed showing the PAYOR as a
WYO Company or agency, the NFIP will make
the refund payable to the insured and mail the
refund in care of the producer. Check the
appropriate box to indicate to whom the refund
should be mailed.

MMM.   Signature

The insured must sign and date the
Cancellation/Nullification Request Form for all
cancellation reason codes except 5 and 6. The
producer must sign, date, and enter a Tax I.D.
Number or Social Security Number in every
case. After completing the form, attach all
required supporting documents and mail the
original to the NFIP.

The producer should retain the second copy,
give the third copy to the insured, and the fourth
copy to the mortgagee.

After processing the Cancellation/Nullification
Request Form, the NFIP will send the producer,
mortgagee, and insured a notice of cancellation.



      Processing Outcomes for Cancellation/Nullification
      of a Flood Insurance Policy

Reason Code for
Cancellation/
Nullification
(with TRRP Code)
PREMIUM REFUND
FEDERAL POLICY FEE
AND PROBATION SURCHARGE
PRODUCER COMMISSION
(Direct Business Only)

Full
Pro
Rata
Full Refund
Pro Rata
Fully
Earned
Full
Deduction
 Pro Rata
Retained
         1 (01)

?

?


?

        2 (02)

?

?


?

        3 (03)

?
?


?

    4 (04)

?

?


?

    5 (05)
?

?


?


    6 (06)
?

?


?


    7 (08)
?

?


?


    8 (50)

?

?


?

    9 (09)
?
?




?
       10 (45)

?

?


?

       11 (51)
No Longer Valid
       12 (52)

?

?


?

       13 (60)
?

?


?


       14 (70)
?

?


?


       15 (16)
?

?


?


       16 (17)
?

?


?

       17 (18)
No Longer Valid
       18 (52)

?

?


?

       19 (20)
?

?




?
       20 (21)
?

?


?


       21 (10)
NO REFUND ALLOWED
?


?
       22 (22)
?

?


?


       23 (23)
NO REFUND ALLOWED
?


?




XXXVIII.   INSURED'S RESPONSIBILITIES

In the event of loss, the insured is required to:

?     Give written notice of loss to the National
Flood Insurance Program (NFIP) or the
applicable WYO Company, as soon as
practicable, using the NFIP Notice of Loss
form or similar form;

?     Exhibit all remains of the property, as
required;

?     If requested, submit to an examination under
oath, as required;

?     Provide evidence and documentation to
substantiate the loss, as required; and

?     File a Proof of Loss within 60 days of the
loss, unless this requirement is waived by
the Federal Emergency Management
Agency (FEMA).

The NFIP has a standard Proof of Loss form
which the adjuster assigned to the loss may
provide and assist the insured in completing.
However, independent adjusters do not have the
authority either to approve or to deny claims.
Adjusters' recommendations for payment or
denial are not binding on the NFIP or the WYO
Company and are subject to approval and
correction by the NFIP or the WYO Company
staff.

The Proof of Loss form may be waived on claims
for less than $7,500. In this case, the insured will
be required to sign the NFIP Final Report form,
which summarizes the loss and claim figures.

XXXIX.      PRODUCER'S RESPONSIBILITIES

Producers may assign any NFIP Direct claim to
an NFIP-approved independent adjuster except:

?     When, in major flooding disasters, the Flood
Insurance Claims Office (FICO) makes all
assignments.

?     When an Adjuster Control Office is
established.

?     When a Claims Coordinating Office (CCO) is
established.



Failure to indicate the assigned adjuster on the
loss notice, or assignment of an adjuster who is
not authorized by the NFIP, will delay the
adjustment process and may result in duplicate
adjuster assignments.

When it appears that a situation is serious
enough that a FICO may be necessary, the NFIP
will notify producers and producer trade
associations in the affected area (using the
broadcast media and press releases) as soon as
possible to hold their loss notices unassigned
until further instructions are received.

In the case of a WYO Company claim, the WYO
Company's producer will follow the established
procedures when assigning an adjuster.

XL.   SINGLE ADJUSTER PROGRAM
IMPLEMENTATION

NNN.   Schedule and Notification

FEMA and various Coastal Plans will determine
whether a catastrophe event will necessitate a
Single Adjuster Program (SAP) response. The
National Weather Service declaration of a tropical
storm or hurricane event will begin the watch for
possible single adjuster response. When the
storm is 48 hours from landfall, this will initiate
FEMA's approval of the SAP response.

During that time, the NFIP Bureau and Statistical
Agent's General Adjusters will be deployed to
strategic areas close to where the storm is
predicted to strike. At landfall, they will be able to
immediately assess the damage impact from the
storm. No later than 24 hours after landfall, the
WYO Companies will be advised by telephone or
fax through their designated Single Adjuster
Liaison, as to the areas and state(s) that will be
subject to the SAP. At that point, the WYO
Companies will be asked to immediately notify
their agents of the SAP procedures in reporting
the claims.

The NFIP Bureau and Statistical Agent will notify
the WYO Companies by telephone or fax
directing the companies to have their agency staff
submit all flood losses that are reasonably
believed to involve wind and flood damage to the
State Coastal Plans (i.e., Windpool, Fairplan,
Beachplan).


The NFIP will notify all SAP Liaisons of the Claims Coordinating Office's
(CCO) location, telephone number,
fax number, and address, if the CCO does not co-locate with the State
Coastal Plans.

When the CCO is operational, the WYO companies will be notified of all
assigned claims. Notice of losses
reflecting the assigned adjusting firms will be faxed each day. Once the
assignment is made and
communicated to each company, the WYO Company will manage its own loss
adjustment. However, the
Catastrophe CCO will ensure that the adjuster receives a copy of the loss
assignments, the name of the
WYO Company, and the SAP Liaison telephone number.

OOO.   Training

The NFIP Bureau and Statistical Agent Claims Coordinator and FEMA will
annually conduct coordination
training sessions, both pre- and post-event, in conjunction with the
State Coastal Plans, adjusters, state and
local officials, and insurers to train all participants. These training
sessions will include regional issues, the
State Coastal Plans' procedures, confirmation of coverages for SAP
losses, closed without payment
(CWOP) procedures, adjuster resources, and duplicate assignments, etc.

The NFIP Bureau and Statistical Agent will continue to provide training
for specific problems and situations
that may arise during a catastrophe event. FEMA suggests that within the
first 48 hours, or whenever
applicable, an adjuster briefing should be conducted for all SAP
adjusters and adjusting firms to ensure that
they understand program procedures.

Guidelines contained in the NFIP Adjuster Claims Manual provide details
to address particular claims
issues. This document is available on the web at www.fema.gov/nfip under
"Information for Claims
Adjusters."

PPP.   Producer Responsibilities

14.   When directed by FEMA, the producer will have no authority to
assign any losses involving a flood
policy when


there is a reasonable belief that there is flood and wind damage, and
will report the losses on the
combined Wind/Flood loss notice to the Stationary CCO, with wind coverage
information.

15.   NFIP/WYO insurers insuring both the flood and the wind loss should
not report the combined loss to
the CCO, but will assign their own single adjuster.

16.   The producers will report their flood losses via fax to the
established CCO, along with wind coverage
information in every instance except those mentioned above. In all cases
the producer should send
a copy of the loss notice to the insurer.

17.   All separate wind losses insured by a WYO company where a flood
policy exists will be reported to
the CCO for assignment to qualified adjusting firms at the CCO.

18.   Upon loss assignment, the insurer will be advised of the assigned
adjusting firm by modem transfer,
fax, or mail.

19.   These procedures relate to assignment of claims only. Insurers may
perform other procedures in
accordance with their standard business practices.

XLI.   INCREASED COST OF COMPLIANCE (ICC) CLAIMS

The producer should become familiar with the ICC aspects of the flood
program. He/she can do this by
attending an NFIP ICC workshop or reading the NFIP literature distributed
by FEMA. Information
concerning ICC claims may be obtained from your WYO company or NFIP
Direct.


POLICY
The Standard Flood Insurance Policy (SFIP),
issued by the Federal Emergency Management
Agency (FEMA), specifies the terms and
conditions of the agreement of insurance
between FEMA as the Insurer and the Named
Insureds. Named Insureds in participating
communities include owners, renters, builders of
buildings that are in the course of construction,
condominium associations, owners of residential
condominium units, and mortgagees/trustees
(applicable for building coverage only). Certain
terms and conditions of flood insurance (e.g.,
Mortgage Clause, Reformation of Coverage) are
unique to this policy.



For information on Group Flood Insurance, see
the Definitions section.

There are three policy forms–the Dwelling Form,
the General Property Form, and the Residential
Condominium Building Association Policy Form.
Selection of the applicable form to be used is
dependent on the type of insurable property to
be covered.

Please refer to the SFIP contracts for detailed
information on the contractual rights and duties
of the Insurer and Insured(s).
DWELLING FORM

Summary of Significant Changes, December 31, 2000



1.    Section III. Property Covered, A. Coverage A
- Building Property, 2.

Additions and extensions to buildings that are
connected by a rigid exterior wall, a solid load-
bearing interior wall, a stairway, an elevated
walkway, or a roof may be insured as part of the
dwelling. At the option of the insured, these
extensions and additions may be insured separately.
Additions and extensions that are attached to and in
contact with the building by means of a common
interior wall that is not a solid load-bearing wall are
always considered part of the dwelling and cannot
be insured separately.

2.    Section III. Property Covered, A. Coverage A
-Building Property, 3.

Coverage for detached carports has been
eliminated.

3.    Section III. Property Covered, B. Coverage B
-Personal Property 4.

Coverage has been extended to include coverage
for cooking stoves, ranges, or refrigerators
belonging to the renter, as well as 10 percent of
contents coverage for improvements made by the
renter to the building.

4.    Section III. Property Covered, B. Coverage B
-Personal Property, 5.

Coverage for condominium unit owners has been
extended to apply up to 10 percent of the contents
coverage for losses to interior walls, floors, and
ceilings not covered by the condominium
association's master policy.

5.    Section III. Property Covered, B. Coverage B
-Personal Property, 6. Special Limits

Coverage for fine arts, collectibles, jewelry, and furs,
etc. has been increased to $2500. Also, personal
property used in a business has been added under
this extension of coverage.

6.    Section III. Property Covered, C. Coverage C
-Other Coverages, 2.a. & b.

Coverage for the two loss avoidance measures
(sandbagging and relocation of property to protect it
from flood or the imminent danger of flood) has been
increased to $1,000 for each.

7.    Section IV.   Property Not Covered, 5.a. & b.

Coverage has been changed to pay for losses to
self-propelled vehicles used to service the described
location or designed to assist handicapped persons
provided that the vehicles are in a building at the
described location.

8.    Section IV.   Property Not Covered, 7.

Coverage is now specifically excluded for scrip and
stored value cards.


9.    Section IV.   Property Not Covered, 14.

Coverage for swimming pools, hot tubs and spas
(that are not bathroom hot tubs or spas), and their
equipment is now excluded.

10.   Section V.    Exclusions, B.1. & 2

The explanation of when coverage begins as it
relates to a loss in progress has been simplified.

11.   Section V.    Exclusions, C.

Coverage has been clarified to pay for losses from
land subsidence under certain circumstances.
Subsidence of land along a lake shore or similar
body of water which results from the erosion or
undermining of the shoreline caused by waves or
currents of water exceeding cyclical levels that result
in a flood continues to be covered. All other land
subsidence is now excluded.

12.   Section V.   Exclusions, D.4.b.(3)

Coverage is now excluded for water, moisture,
mildew, or mold damage caused by the
policyholder's failure to inspect and maintain the
insured property after the flood waters recede.

13.   Section V.   Exclusions, D.6.

Coverage is now added for damage from the
pressure of water against the insured structure with
the requirement that there be a flood in the area and
the flood is the proximate cause of damage from the
pressure of water against the insured structure.

14.   Section V.   Exclusions, F.

An exclusion for the cost of testing for or monitoring
of pollutants unless it is required by law or ordinance
has been added.

15.   Section VII. General Conditions, G.
Reduction and Reformation of Coverage,
2.a.(2)

If it is discovered before a claim occurs that there is
incomplete rating information, the policyholder has
60 days to submit the missing rating information.
Otherwise, the coverage is limited to the amount of
coverage that can be purchased for the premium
originally received and can only be increased by an
endorsement that is subject to the appropriate
waiting period (currently 30 days).

16.   Section VII. General Conditions, V. Loss
Settlement, 3. Special Loss Settlement, b.(1)

Coverage for a manufactured or mobile home or a
travel trailer eligible for replacement cost coverage is
limited to 1.5 times its actual cash value.



FEDERAL EMERGENCY MANAGEMENT AGENCY
NATIONAL FLOOD INSURANCE PROGRAM

STANDARD FLOOD INSURANCE POLICY

DWELLING FORM
PLEASE READ THE POLICY CAREFULLY. THE FLOOD INSURANCE PROVIDED IS SUBJECT
TO
LIMITATIONS, RESTRICTIONS, AND EXCLUSIONS.

THIS POLICY COVERS ONLY:

1.    A NON-CONDOMINIUM RESIDENTIAL BUILDING DESIGNED FOR PRINCIPAL USE
AS A DWELLING
PLACE FOR ONE TO FOUR FAMILIES, OR

2.    A SINGLE-FAMILY DWELLING UNIT IN A CONDOMINIUM BUILDING.


I. AGREEMENT




The Federal Emergency Management Agency
(FEMA) provides flood insurance under the terms of
the National Flood Insurance Act of 1968 and its
amendments, and Title 44 of the Code of Federal
Regulations (CFR).

We will pay you for direct physical loss by or from
flood to your insured property if you:

1.    Have paid the correct premium;
2.    Comply with all terms and conditions of this
policy; and

3.    Have furnished accurate information and
statements.

We have the right to review the information you give
us at any time and to revise your policy based on
our review.




II.   DEFINITIONS




A.    In this policy, "you" and "your" refer to the
insured(s) shown on the Declarations Page of
this policy and your spouse, if a resident of the
same household. "Insured(s)" includes: Any
mortgagee and loss payee named in the
Application and Declarations Page, as well as
any other mortgagee or loss payee determined
to exist at the time of loss in the order of
precedence. "We," "us," and "our" refer to the
insurer.

Some definitions are complex because they are
provided as they appear in the law or regulations, or
result from court cases. The precise definitions are
intended to protect you.

Flood, as used in this flood insurance policy,
means:

1.    A general and temporary condition of partial or
complete inundation of two or more acres of
normally dry land area or of two or more
properties (at least one of which is your
property) from:

a.   Overflow of inland or tidal waters;

b.    Unusual and rapid accumulation or runoff of
surface waters from any source;

c.   Mudflow.


2.    Collapse or subsidence of land along the shore
of a lake or similar body of water as a result of
erosion or undermining caused by waves or
currents of water exceeding anticipated cyclical
levels that result in a flood as defined in A.1.a.
above.

B.    The following are the other key definitions that
we use in this policy:

1.    Act. The National Flood Insurance Act of 1968
and any amendments to it.

2.    Actual Cash Value. The cost to replace an
insured item of property at the time of loss, less
the value of its physical depreciation.

3.    Application. The statement made and signed
by you or your agent in applying for this policy.
The application gives information we use to
determine the eligibility of the risk, the kind of
policy to be issued, and the correct premium
payment. The application is part of this flood
insurance policy. For us to issue you a policy,
the correct premium payment must accompany
the application.
4.    Base Flood. A flood having a one percent
chance of being equaled or exceeded in any
given year.


5.    Basement. Any area of the building, including
any sunken room or sunken portion of a room,
having its floor below ground level (subgrade) on
all sides.

6.   Building.

a.    A structure with two or more outside rigid
walls and a fully secured roof, that is affixed
to a permanent site;

b.    A manufactured home (a "manufactured
home," also known as a mobile home, is a
structure: built on a permanent chassis,
transported to its site in one or more
sections, and affixed to a permanent
foundation); or

c.    A travel trailer without wheels, built on a
chassis and affixed to a permanent
foundation, that is regulated under the
community's floodplain management and
building ordinances or laws.

Building does not mean a gas or liquid storage
tank or a recreational vehicle, park trailer, or
other similar vehicle, except as described in
B.6.c. above.

7.    Cancellation. The ending of the insurance
coverage provided by this policy before the
expiration date.

8.    Condominium. That form of ownership of real
property in which each unit owner has an
undivided interest in common elements.

9.    Condominium Association. The entity made
up of the unit owners responsible for the
maintenance and operation of:

      a.   Common elements owned in undivided
shares by unit owners; and

b.    Other real property in which the unit owners
have use rights;

where membership in the entity is a required
condition of unit ownership.
10.   Declarations Page. A computer-generated
summary of information you provided in the
application for insurance. The Declarations
Page also describes the term of the policy,
limits of coverage, and displays the premium
and our name. The Declarations Page is a part
of this flood insurance policy.

11.   Described Location. The location where the
insured building(s) or personal property are
found. The described location is shown on the
Declarations Page.

12.   Direct Physical Loss By or From Flood. Loss
or damage to insured property, directly caused
by a flood. There must be evidence of physical
changes to the property.

13.   Dwelling. A building designed for use as a
residence for no more than four families or a
single-family unit in a building under a
condominium form of ownership.

14.   Elevated Building. A building that has no
basement and that has its lowest elevated floor
raised above ground level by foundation walls,
shear walls, posts, piers, pilings, or columns.

15.   Emergency Program. The initial phase of a
community's participation in the National Flood
Insurance Program. During this phase, only
limited amounts of insurance are available under
the Act.

16.   Expense Constant. A flat charge you must pay
on each new or renewal policy to defray the
expenses of the Federal Government related to
flood insurance.

17.   Federal Policy Fee. A flat charge you must pay
on each new or renewal policy to defray certain
administrative expenses incurred in carrying out
the National Flood Insurance Program. This
fee covers expenses not covered by the
expense constant.

18.   Improvements. Fixtures, alterations,
installations, or additions comprising a part of
the insured dwelling or the apartment in which
you reside.

19.   Mudflow. A river of liquid and flowing mud on
the surfaces of normally dry land areas, as when
earth is carried by a current of water. Other
earth movements, such as landslide, slope
failure, or a saturated soil mass moving by
liquidity down a slope, are not mudflows.

20.   National Flood Insurance Program (NFIP).
The program of flood insurance coverage and
floodplain management administered under the
Act and applicable Federal regulations in Title
44 of the Code of Federal Regulations,
Subchapter B.

21.   Policy. The entire written contract between you
and us. It includes:

a.    This printed form;

b.    The application and Declarations Page;

c.    Any endorsement(s) that may be issued;
and

d.    Any renewal certificate indicating that
coverage has been instituted for a new
policy and new policy term.

Only one dwelling, which you specifically
described in the application, may be insured
under this policy.

22.   Pollutants. Substances that include, but are not
limited to, any solid, liquid, gaseous, or thermal
irritant or contaminant, including smoke, vapor,
soot, fumes, acids, alkalis, chemicals, and
waste. "Waste" includes, but is not limited to,
materials to be recycled, reconditioned, or
reclaimed.


23.   Post-FIRM Building. A building for which
construction or substantial improvement
occurred after December 31, 1974, or on or after
the effective date of an initial Flood Insurance
Rate Map (FIRM), whichever is later.

24.   Probation Premium. A flat charge you must
pay on each new or renewal policy issued
covering property in a community that the NFIP
has placed on probation under the provisions of
44 CFR 59.24.

25.   Regular Program. The final phase of a
community's participation in the National Flood
Insurance Program. In this phase, a Flood
Insurance Rate Map is in effect and full limits of
coverage are available under the Act.


26.   Special Flood Hazard Area. An area having
special flood, or mudflow, and/or flood-related
erosion hazards, and shown on a Flood Hazard
Boundary Map or Flood Insurance Rate Map as
Zone A, AO, A1-A30, AE, A99, AH, AR, AR/A,
AR/AE, AR/AH, AR/AO, AR/A1-A30, V1-V30,
VE, or V.

27.   Unit. A single-family unit you own in a
condominium building.

28.   Valued Policy. A policy in which the insured
and the insurer agree on the value of the
property insured, that value being payable in the
event of a total loss. The Standard Flood
Insurance Policy is not a valued policy.




III.   PROPERTY COVERED




A.    COVERAGE A - BUILDING PROPERTY
We insure against direct physical loss by or from
flood to:
1.    The dwelling at the described location, or for
a period of 45 days at another location as set
forth in III.C.2.b., Property Removed to Safety.
2.    Additions and extensions attached to and in
contact with the dwelling by means of a rigid
exterior wall, a solid load-bearing interior wall, a
stairway, an elevated walkway, or a roof. At your
option, additions and extensions connected by
any of these methods may be separately
insured. Additions and extensions attached to
and in contact with the building by means of a
common interior wall that is not a solid load-
bearing wall are always considered part of the
dwelling and cannot be separately insured.
3.    A detached garage at the described location.
Coverage is limited to no more than 10 percent
of the limit of liability on the dwelling. Use of this
insurance is at your option but reduces the
building limit of liability. We do not cover any
detached garage used or held for use for
residential (i.e., dwelling), business, or farming
purposes.
4.    Materials and supplies to be used for
construction, alteration, or repair of the dwelling
or a detached garage while the materials and
supplies are stored in a fully enclosed building
at the described location or on an adjacent
property.

5.    A building under construction, alteration, or
repair at the described location.

a.    If the structure is not yet walled or roofed as
described in the definition for building (see
II.B. 6.a.) then coverage applies:


(1)   Only while such work is in progress; or

(2)   If such work is halted, only for a period
of up to 90 continuous days thereafter.
b.    However, coverage does not apply until the
building is walled and roofed if the lowest
floor, including the basement floor, of a non-
elevated building or the lowest elevated
floor of an elevated building is:

(1)   Below the base flood elevation in
Zones AH, AE, A1-A30, AR, AR/AE,
AR/AH, AR/A1-A30, AR/A, AR/AO; or
(2)   Below the base flood
elevation adjusted to include the effect
of wave action in Zones VE or V1-V30.

The lowest floor levels are based on the
bottom of the lowest horizontal structural
member of the floor in Zones VE or V1-V30
and the top of the floor in Zones AH, AE, A1-
A30, AR, AR/AE, AR/AH, AR/A1-A30, AR/A,
AR/AO.

6.    A manufactured home or a travel trailer as
described in the Definitions section (see II.B.6.b.
and II.B.6.c.).

If the manufactured home or travel trailer is in a
special flood hazard area, it must be anchored
in the following manner at the time of the loss:

a.    By over-the-top or frame ties to ground
anchors; or

b.    In accordance with the manufacturer's
speci-fications; or

c.    In compliance with the community's
floodplain management requirements;


unless it has been continuously insured by the
NFIP at the same described location since
September 30, 1982.

7.    The following items of property which are
covered under Coverage A only:

a.    Awnings and canopies;
b.    Blinds;
c.    Built-in dishwashers;
d.    Built-in microwave ovens;
e.    Carpet permanently installed over unfinished
flooring;
f.    Central air conditioners;
g.    Elevator equipment;
h.    Fire sprinkler systems;
i.    Walk-in freezers;
j.    Furnaces and radiators;
k.    Garbage disposal units;
l.    Hot water heaters, including solar water
heaters;
m.    Light fixtures;
n.    Outdoor antennas and aerials fastened to
buildings;
o.    Permanently installed cupboards,
bookcases, cabinets, paneling, and
wallpaper;
p.    Plumbing fixtures;
q.    Pumps and machinery for operating pumps;
r.    Ranges, cooking stoves, and ovens;
s.    Refrigerators; and
t.    Wall mirrors, permanently installed.

8.    Items of property in a building enclosure below
the lowest elevated floor of an elevated post-
FIRM building located in Zones A1-A30, AE,
AH, AR, AR/A, AR/AE, AR/AH, AR/A1-A30, V1-
V30, or VE, or in a basement, regardless of the
zone. Coverage is limited to the following:

a.    Any of the following items, if installed in their
functioning locations and, if necessary for
operation, connected to a power source:

(1)   Central air conditioners;
(2)   Cisterns and the water in them;
(3)   Drywall for walls and ceilings in a
basement and the cost of labor to nail
it, unfinished and unfloated and not
taped, to the framing;
(4)   Electrical junction and circuit breaker
boxes;
(5)   Electrical outlets and switches;
(6)   Elevators, dumbwaiters, and related
equip-ment, except for related
equipment installed below the base
flood elevation after September 30,
1987;
(7)   Fuel tanks and the fuel in them;
(8)   Furnaces and hot water heaters;
(9)   Heat pumps;
(10) Nonflammable insulation in a
basement;
(11) Pumps and tanks used in solar energy
systems;
(12) Stairways and staircases attached to the
building, not separated from it by
elevated walkways;
(13) Sump pumps;


(14) Water softeners and the chemicals in
them, water filters, and faucets installed
as an integral part of the plumbing
system;
(15) Well water tanks and pumps;
(16) Required utility connections for any item
in this list; and
(17) Footings, foundations, posts, pilings,
piers, or other foundation walls and
anchorage systems required to support
a building.

b.   Clean-up.

B.   COVERAGE B - PERSONAL PROPERTY

1.    If you have purchased personal property
coverage, we insure against direct physical
loss by or from flood to personal property
inside a building at the described location, if:

a.    The property is owned by you or your
household family members; and

b.    At your option, the property is owned by
guests or servants.
Personal property is also covered for a period of
45 days at another location as set forth in
III.C.2.b., Property Removed to Safety.

Personal property in a building that is not fully
enclosed must be secured to prevent flotation
out of the building. If the personal property
does float out during a flood, it will be
conclusively presumed that it was not
reasonably secured. In that case there is no
coverage for such property.

2.    Coverage for personal property includes the
following property, subject to B.1. above, which
is covered under Coverage B only:

a.    Air conditioning units, portable or window
type;
b.    Carpets, not permanently installed, over
unfinished flooring;
c.    Carpets over finished flooring;
d.    Clothes washers and dryers;
e.    "Cook-out" grills;
f.    Food freezers, other than walk-in, and food
in any freezer; and
g.    Portable microwave ovens and portable
dishwashers.

3.    Coverage for items of property in a building
enclosure below the lowest elevated floor of an
elevated post-FIRM building located in Zones
A1-A30, AE, AH, AR, AR/A, AR/AE, AR/AH,
AR/A1-A30, V1-V30, or VE, or in a basement,
regardless of the zone, is limited to the following
items, if installed in their functioning locations
and, if necessary for operation, connected to a
power source:

a.    Air conditioning units, portable or window
type;
b.    Clothes washers and dryers; and
c.    Food freezers, other than walk-in, and food
in any freezer.


4.    If you are a tenant and have insured personal
property under Coverage B in this policy, we
will cover such property, including your cooking
stove or range and refrigerator. The policy will
also cover improvements made or acquired
solely at your expense in the dwelling or
apartment in which you reside, but for not more
than 10 percent of the limit of liability shown for
personal property on the Declarations Page.
Use of this insurance is at your option but
reduces the personal property limit of liability.

5.    If you are the owner of a unit and have insured
personal property under Coverage B in this
policy, we will also cover your interior walls,
floor, and ceiling (not otherwise covered under a
flood insurance policy purchased by your
condominium association) for not more than
10 percent of the limit of liability shown for
personal property on the Declarations Page.
Use of this insurance is at your option but
reduces the personal property limit of liability.

6.    Special Limits. We will pay no more than
$2,500 for any one loss to one or more of the
following kinds of personal property:

a.    Artwork, photographs, collectibles, or
memorabilia, including but not limited to,
porcelain or other figures, and sports cards;

b.   Rare books or autographed items;

c.    Jewelry, watches, precious and
semiprecious stones, or articles of gold,
silver, or platinum;

d.    Furs or any article containing fur which
represents its principal value; or

e.   Personal property used in any business.

7.    We will pay only for the functional value of
antiques.

C.   COVERAGE C - OTHER COVERAGES

1.   Debris Removal

a.    We will pay the expense to remove non-
owned debris on or in insured property and
owned debris anywhere.

b.    If you or a member of your household
perform the removal work, the value of your
work will be based on the Federal minimum
wage.

c.    This coverage does not increase the
Coverage A or Coverage B limit of liability.



2.   Loss Avoidance Measures

a.   Sandbags, Supplies, and Labor

(1)   We will pay up to $1,000 for costs you
incur to protect the insured building
from a flood or imminent danger of
flood, for the following:
(a)    Your reasonable expenses to buy:

(i)   Sandbags, including sand to fill
them;

(ii)   Fill for temporary levees;

(iii) Pumps; and

(iv) Plastic sheeting and lumber
used in connection with these
items.

(b)   The value of work, at the Federal
minimum wage, that you or a
member of your household perform.

(2)   This coverage for Sandbags, Supplies,
and Labor applies only if damage to
insured property by or from flood is
imminent, and the threat of flood
damage is apparent enough to lead a
person of common prudence to
anticipate flood damage. One of the
following must also occur:

(a)   A general and temporary condition
of flooding in the area near the
described location must occur,
even if the flood does not reach the
insured building; or

(b)   A legally authorized official must
issue an evacuation order or other
civil order for the community in
which the insured building is
located calling for measures to
preserve life and property from the
peril of flood.

This coverage does not increase the
Coverage A or Coverage B limit of liability.

b.     Property Removed to Safety

(1)   We will pay up to $1,000 for the
reasonable expenses you incur to move
insured property to a place other than
the described location that contains
the property in order to protect it from
flood or the imminent danger of flood.
Reasonable expenses include the value
of work, at the Federal minimum wage,
that you or a member of your household
perform.

(2)   If you move insured property to a
location other than the described
location that contains the property, in
order to protect it from flood or the
imminent danger of flood, we will cover
such property while at that location for a
period of 45 consecutive days from the
date you begin to move it there. The
personal property that is moved must be
placed in a fully enclosed building or
otherwise reasonably protected from the
elements.

Any property removed, including a moveable
home described in II.B.6.b. and c., must be
placed above ground level or outside of the
special flood hazard area.

This coverage does not increase the
Coverage A or Coverage B limit of liability.

3.   Condominium Loss Assessments

a.    If this policy insures a unit, we will pay, up
to the Coverage A limit of liability, your
share of loss assessments charged against
you by the condominium association in
accordance with the condominium
association's articles of association,
declarations and your deed.

      The assessment must be made as a result
of direct physical loss by or from flood
during the policy term, to the building's
common elements.

b.    We will not pay any loss assessment
charged against you:

(1)   And the condominium association by
any governmental body;

(2)   That results from a deductible under the
insurance purchased by the
condominium association insuring
common elements;

(3)   That results from a loss to personal
property, including contents of a
condominium building;

(4)   That results from a loss sustained by the
condominium association that was
not reimbursed under a flood insurance
policy written in the name of the
association under the Act because the
building was not, at the time of loss,
insured for an amount equal to the
lesser of:



(a)   80 percent or more of its full
replacement cost; or

(b)   The maximum amount of insurance
permitted under the Act;

(5)   To the extent that payment under this
policy for a condominium building
loss, in combination with payments
under any other NFIP policies for the
same building loss, exceeds the
maximum amount of insurance
permitted under the Act for that kind of
building; or

(6)   To the extent that payment under this
policy for a condominium building
loss, in combination with any recovery
available to you as a tenant in common
under any NFIP condominium
association policies for the same
building loss, exceeds the amount of
insurance permitted under the Act for a
single-family dwelling.

Loss assessment coverage does not increase
the Coverage A limit of liability.

D.    COVERAGE D - INCREASED COST OF
COMPLIANCE

1.   General

This policy pays you to comply with a State or
local floodplain management law or ordinance
affecting repair or reconstruction of a structure
suffering flood damage. Compliance activities
eligible for payment are: elevation, floodproofing,
relocation, or demolition (or any combination of
these activities) of your structure. Eligible
floodproofing activities are limited to:
a.   Nonresidential structures.

b.    Residential structures with basements that
satisfy FEMA's standards published in the
Code of Federal Regulations [44 CFR 60.6
(b) or (c)].

2.   Limit of Liability

We will pay you up to $30,000 under this
Coverage D - Increased Cost of Compliance,
which only applies to policies with building
coverage (Coverage A). Our payment of claims
under Coverage D is in addition to the amount of
coverage which you selected on the application
and which appears on the Declarations Page.
But the maximum you can collect under this
policy for both Coverage A - Building Property
and Coverage D - Increased Cost of Compliance
cannot exceed the maximum permitted under
the Act. We do not charge a separate deductible
for a claim under Coverage D.



3.   Eligibility

a.    A structure covered under Coverage A -
Building Property sustaining a loss caused by
a flood as defined by this policy must:

(1)   Be a "repetitive loss structure." A
repetitive loss structure is one that
meets the following conditions:

(a)   The structure is covered by a
contract of flood insurance issued
under the NFIP.

(b)   The structure has suffered flood
damage on two occasions during a
10-year period which ends on the
date of the second loss.

(c)   The cost to repair the flood
damage, on average, equaled or
exceeded 25 percent of the market
value of the structure at the time of
each flood loss.

(d)   In addition to the current claim, the
NFIP must have paid the previous
qualifying claim, and the State or
community must have a cumulative,
substantial damage provision or
repetitive loss provision in its
floodplain management law or
ordinance being enforced against
the structure; or

(2)   Be a structure that has had flood
damage in which the cost to repair
equals or exceeds 50 percent of the
market value of the structure at the time
of the flood. The State or community
must have a substantial damage
provision in its floodplain management
law or ordinance being enforced against
the structure.

b.    This Coverage D pays you to comply with
State or local floodplain management laws or
ordinances that meet the minimum standards
of the National Flood Insurance Program
found in the Code of Federal Regulations at
44 CFR 60.3. We pay for compliance
activities that exceed those standards under
these conditions:

(1)   3.a.(1) above.

(2)   Elevation or floodproofing in any risk
zone to preliminary or advisory base
flood elevations provided by FEMA
which the State or local government has
adopted and is enforcing for flood-
damaged structures in such areas. (This
includes compliance activities in B, C, X,
or D zones which are being changed to
zones with base flood elevations. This
also includes compliance activities in
zones where base flood


elevations are being increased, and a
flood-damaged structure must comply
with the higher advisory base flood
elevation.) Increased Cost of
Compliance coverage does not apply to
situations in B, C, X, or D zones where
the community has derived its own
elevations and is enforcing elevation or
floodproofing requirements for flood-
damaged structures to elevations
derived solely by the community.

(3)   Elevation or floodproofing above the
base flood elevation to meet State or
local "freeboard" requirements, i.e., that
a structure must be elevated above the
base flood elevation.

c.    Under the minimum NFIP criteria at 44 CFR
60.3 (b)(4), States and communities must
require the elevation or floodproofing of
structures in unnumbered A zones to the
base flood elevation where elevation data is
obtained from a Federal, State, or other
source. Such compliance activities are also
eligible for Coverage D.

d.    This coverage will also pay for the
incremental cost, after demolition or
relocation, of elevating or floodproofing a
structure during its rebuilding at the same or
another site to meet State or local floodplain
management laws or ordinances, subject to
Exclusion D.5.g. below.

e.    This coverage will also pay to bring a flood-
damaged structure into compliance with
State or local floodplain management laws
or ordinances even if the structure had
received a variance before the present loss
from the applicable floodplain management
requirements.

4.   Conditions

a.    When a structure covered under
Coverage A - Building Property sustains
a loss caused by a flood, our payment for
the loss under this Coverage D will be for
the increased cost to elevate, floodproof,
relocate, or demolish (or any
combination of these activities) caused
by the enforcement of current State or
local floodplain management ordinances
or laws. Our payment for eligible
demolition activities will be for the cost
to demolish and clear the site of the
building debris or a portion thereof
caused by the enforcement of current
State or local floodplain management
ordinances or laws. Eligible activities for
the cost of clearing the site will include
those necessary to discontinue utility
service to the site and ensure proper
abandonment of on-site utilities.

b.   When the building is repaired or rebuilt, it
must be intended for the same
occupancy as the present building unless
otherwise required by current floodplain
management ordinances or laws.


5.   Exclusions

Under this Coverage D - Increased Cost of
Compliance, we will not pay for:

a.    The cost to comply with any floodplain
management law or ordinance in
communities participating in the
Emergency Program.

b.    The cost associated with enforcement of
any ordinance or law that requires any
insured or others to test for, monitor,
clean up, remove, contain, treat, detoxify
or neutralize, or in any way respond to,
or assess the effects of pollutants.

c.    The loss in value to any insured building
or other structure due to the
requirements of any ordinance or law.

d.    The loss in residual value of the
undamaged portion of a building
demolished as a con-sequence of
enforcement of any State or local
floodplain management law or ordinance.

e.    Any Increased Cost of Compliance under
this Coverage D:

(1)   Until the building is elevated,
floodproofed, demolished, or
relocated on the same or to another
premises; and

(2)   Unless the building is elevated,
floodproofed, demolished, or
relocated as soon as reasonably
possible after the loss, not to exceed
2 years (see 3.b.).

f.    Any code upgrade requirements, e.g.,
plumbing or electrical wiring, not
specifically related to the State or local
floodplain management law or ordinance.


g.   Any compliance activities needed to
bring additions or improvements made
after the loss occurred into compliance
with State or local floodplain
management laws or ordinances.

h.    Loss due to any ordinance or law that
you were required to comply with before
the current loss.

i.    Any rebuilding activity to standards that
do not meet the NFIP's minimum
requirements. This includes any situation
where you have received from the State
or community a variance in connection
with the current flood loss to rebuild the
property to an elevation below the base
flood elevation.

j.    Increased Cost of Compliance for a
garage or carport.

k.    Any structure insured under an NFIP
Group Flood Insurance Policy.

l.    Assessments made by a condominium
association on individual condominium unit
owners to pay increased costs of
repairing commonly owned buildings after
a flood in compliance with State or local
floodplain management ordinances or
laws.

6.    Other Provisions

a.    Increased Cost of Compliance coverage
will not be included in the calculation to
determine whether coverage meets the
80 percent insurance-to-value
requirement for replacement cost
coverage as set forth in VII. General
Conditions, V. Loss Settlement.

b.    All other conditions and provisions of
this policy apply.




IV.   PROPERTY NOT COVERED
We do not cover any of the following property:

1.    Personal property not inside the fully enclosed
building;

2.    A building, and personal property in it, located
entirely in, on, or over water or seaward of mean
high tide if it was constructed or substantially
improved after September 30, 1982;

3.    Open structures, including a building used as a
boathouse or any structure or building into
which boats are floated, and personal property
located in, on, or over water;

4.    Recreational vehicles other than travel trailers
described in II.B.6.c., whether affixed to a
permanent foundation or on wheels;

5.    Self-propelled vehicles or machines, including
their parts and equipment. However, we do
cover self-propelled vehicles or machines not
licensed for use on public roads that are:

a.    Used mainly to service the described
location, or

b.    Designed and used to assist handicapped
persons,

while the vehicles or machines are inside a
building at the described location;

6.    Land, land values, lawns, trees, shrubs, plants,
growing crops, or animals;

7.    Accounts, bills, coins, currency, deeds,
evidences of debt, medals, money, scrip, stored
value cards, postage stamps, securities, bullion,
manuscripts, or other valuable papers;


8.    Underground structures and equipment,
including wells, septic tanks, and septic
systems;

9.    Those portions of walks, walkways, decks,
driveways, patios, and other surfaces, all
whether protected by a roof or not, located
outside the perimeter, exterior walls of the
insured building or the building in which the
insured unit is located;
10.   Containers, including related equipment, such
as, but not limited to, tanks containing gases or
liquids;

11.   Buildings or units and all their contents if more
than 49 percent of the actual cash value of the
building or unit is below ground, unless the
lowest level is at or above the base flood
elevation and is below ground by reason of earth
having been used as insulation material in
conjunction with energy efficient building
techniques;



12.   Fences, retaining walls, seawalls, bulkheads,
wharves, piers, bridges, and docks;

13.   Aircraft or watercraft, or their furnishings and
equipment;

14.   Hot tubs and spas that are not bathroom
fixtures, and swimming pools, and their
equipment such as, but not limited to, heaters,
filters, pumps, and pipes, wherever located;

15.   Property not eligible for flood insurance pursuant
to the provisions of the Coastal Barrier
Resources Act and the Coastal Barrier
Improvement Act and amendments to these
acts;

16.   Personal property you own in common with
other unit owners comprising the membership of
a condominium association.




V.   EXCLUSIONS




A.    We only provide coverage for direct physical
loss by or from flood, which means that we do
not pay you for:

1.    Loss of revenue or profits;

2.    Loss of access to the insured property or
described location;
3.    Loss of use of the insured property or described
location;

4.   Loss from interruption of business or production;

5.    Any additional living expenses incurred while the
insured building is being repaired or is unable
to be occupied for any reason;

6.    The cost of complying with any ordinance or law
requiring or regulating the construction,
demolition, remodeling, renovation, or repair of
property, including removal of any resulting
debris. This exclusion does not apply to any
eligible activities that we describe in Coverage D
- Increased Cost of Compliance; or

7.   Any other economic loss.

B.    We do not insure a loss directly or indirectly
caused by a flood that is already in progress at
the time and date:

1.   The policy term begins; or

2.   Coverage is added at your request.

C.    We do not insure for loss to property caused
directly by earth movement even if the earth
movement is


caused by flood. Some examples of earth
movement that we do not cover are:

1.   Earthquake;

2.   Landslide;

3.   Land subsidence;

4.   Sinkholes;

5.    Destabilization or movement of land that results
from accumulation of water in subsurface land
area; or

6.   Gradual erosion.

We do, however, pay for losses from mudflow and
land subsidence as a result of erosion that are
specifically covered under our definition of flood
(see II.A.1.c. and II.A.2.).
D.    We do not insure for direct physical loss caused
directly or indirectly by any of the following:

1.   The pressure or weight of ice;

2.   Freezing or thawing;

3.   Rain, snow, sleet, hail, or water spray;

4.    Water, moisture, mildew, or mold damage that
results primarily from any condition:

a.   Substantially confined to the dwelling; or

b.    That is within your control, including but not
limited to:

(1)   Design, structural, or mechanical
defects;


(2)   Failure, stoppage, or breakage of water
or sewer lines, drains, pumps, fixtures,
or equipment; or

(3)   Failure to inspect and maintain the
property after a flood recedes;

5.   Water or waterborne material that:

a.   Backs up through sewers or drains;

b.    Discharges or overflows from a sump, sump
pump, or related equipment; or

c.    Seeps or leaks on or through the covered
property;

unless there is a flood in the area and the flood
is the proximate cause of the sewer or drain
backup, sump pump discharge or overflow, or
seepage of water;

6.    The pressure or weight of water unless there is
a flood in the area and the flood is the
proximate cause of the damage from the
pressure or weight of water;
7.    Power, heating, or cooling failure unless the
failure results from direct physical loss by or
from flood to power, heating, or cooling
equipment on the described location;

8.   Theft, fire, explosion, wind, or windstorm;
9.    Anything you or any member of your household
do or conspire to do to cause loss by flood
deliberately; or

10.   Alteration of the insured property that
significantly increases the risk of flooding.

E.    We do not insure for loss to any building or
personal property located on land leased from
the Federal Government, arising from or incident
to the flooding of the land by the Federal
Government, where the lease expressly holds
the Federal Government harmless under flood
insurance issued under any Federal
Government program.

F.    We do not pay for the testing for or monitoring of
pollutants unless required by law or ordinance.




VI.   DEDUCTIBLES




A.    When a loss is covered under this policy, we
will pay only that part of the loss that exceeds
your deductible amount, subject to the limit of
liability that applies. The deductible amount is
shown on the Declarations Page.

However, when a building under construction,
alteration, or repair does not have at least two
rigid exterior walls and a fully secured roof at the
time of loss, your deductible amount will be two
times the deductible that would otherwise apply
to a completed building.
B.    In each loss from flood, separate deductibles
apply to the building and personal property
insured by this policy.

C.    The deductible does not apply to:

1.    III.C.2. Loss Avoidance Measures;

2.    III.C.3. Condominium Loss Assessments; or

3.    III.D. Increased Cost of Compliance.
VII.   GENERAL CONDITIONS




Y.     A.   Pairs and Sets

In case of loss to an article that is part of a pair or
set, we will have the option of paying you:

1.    An amount equal to the cost of replacing the
lost, damaged, or destroyed article, minus its
depreciation; or

2.    The amount that represents the fair proportion of
the total value of the pair or set that the lost,
damaged, or destroyed article bears to the pair
or set.



B.     Concealment or Fraud and Policy Voidance

1.    With respect to all insureds under this policy,
this policy:

a.     Is void;

b.     Has no legal force or effect;

c.     Cannot be renewed; and

d.     Cannot be replaced by a new NFIP policy;


if, before or after a loss, you or any other insured
or your agent have at any time:

(1)   Intentionally concealed or
misrepresented any material fact or
circumstance;

(2)    Engaged in fraudulent conduct; or

(3)    Made false statements;

relating to this policy or any other NFIP
insurance.
2.    This policy will be void as of the date the
wrongful acts described in B.1. above were
committed.

3.    Fines, civil penalties, and imprisonment under
applicable Federal laws may also apply to the
acts of fraud or concealment described above.

4.    This policy is also void for reasons other than
fraud, misrepresentation, or wrongful act. This
policy is void from its inception and has no legal
force under the following conditions:

a.    If the property is located in a community that
was not participating in the NFIP on the
policy's inception date and did not join or
reenter the program during the policy term
and before the loss occurred; or

b.    If the property listed on the application
is otherwise not eligible for coverage under
the NFIP.

Other Insurance

1.    If a loss covered by this policy is also covered
by other insurance that includes flood coverage
not issued under the Act, we will not pay more
than the amount of insurance that you are
entitled to for lost, damaged, or destroyed
property insured under this policy subject to the
following:

a.    We will pay only the proportion of the loss
that the amount of insurance that applies
under this policy bears to the total amount
of insurance covering the loss, unless C.1.b.
or c. immediately below applies.

b.    If the other policy has a provision stating that
it is excess insurance, this policy will be
primary.

c.    This policy will be primary (but subject to its
own deductible) up to the deductible in the
other flood policy (except another policy as
described in C.1.b. above). When the other
deductible amount is reached, this policy
will participate in the same proportion that
the amount of insurance under this policy
bears to the total amount of both policies, for
the remainder of the loss.
2.    If there is other insurance in the name of your
condominium association covering the same
property covered by this policy, then this policy
will be in excess over the other insurance.

D.   Amendments, Waivers, Assignment

This policy cannot be changed nor can any of its
provisions be waived without the express written
consent of the Federal Insurance Administrator. No
action that we take under the terms of this policy
constitutes a waiver of any of our rights. You may
assign this policy in writing when you transfer title of
your property to someone else, except under these
conditions:

1.   When this policy covers only personal property;
or

2.    When this policy covers a structure during the
course of construction.

E.   Cancellation of Policy by You

1.    You may cancel this policy in accordance with
the applicable rules and regulations of the NFIP.

2.    If you cancel this policy, you may be entitled to
a full or partial refund of premium also under the
applicable rules and regulations of the NFIP.
F.    Nonrenewal of the Policy by Us

Your policy will not be renewed:

1.    If the community where your covered property is
located stops participating in the NFIP; or

2.    If your building has been declared ineligible
under Section 1316 of the Act.

G.   Reduction and Reformation of Coverage

1.    If the premium we received from you was not
enough to buy the kind and amount of coverage
you requested, we will provide only the amount
of coverage that can be purchased for the
premium payment we received.

2.    The   policy can be reformed to increase the
amount of   coverage resulting from the reduction
described   in G.1. above to the amount you
requested   as follows:
a.    Discovery of insufficient premium or
incomplete rating information before a loss.

(1)   If we discover before you have a flood
loss that your premium payment was not
enough to buy the requested amount of
coverage, we will send you and any
mortgagee or trustee known to us a bill
for the required additional premium for
the current policy term (or that portion
of the current policy term following any
endorsement changing


the amount of coverage). If you or the
mortgagee or trustee pay the additional
premium within 30 days from the date of
our bill, we will reform the policy to
increase the amount of coverage to the
originally requested amount effective to
the beginning of the current policy term
(or subsequent date of any
endorsement changing the amount of
coverage).

(2)   If we determine before you have a flood
loss that the rating information we have
is incomplete and prevents us from
calculating the additional premium, we
will ask you to send the required
information. You must submit the
information within 60 days of our
request. Once we determine the
amount of additional premium for the
current policy term, we will follow the
procedure in G.2.a.(1) above.

(3)   If we do not receive the additional
premium (or additional information) by
the date it is due, the amount of
coverage can only be increased by
endorsement subject to any appropriate
waiting period.

b.    Discovery of insufficient premium or
incomplete rating information after a loss.

(1)   If we discover after you have a flood
loss that your premium payment was not
enough to buy the requested amount of
coverage, we will send you and any
mortgagee or trustee known to us a bill
for the required additional premium for
the current and the prior policy terms. If
you or the mortgagee or trustee pay the
additional premium within 30 days from
the date of our bill, we will reform the
policy to increase the amount of
coverage to the originally requested
amount effective to the beginning of the
prior policy term.

(2)   If we discover after you have a flood
loss that the rating information we have
is incomplete and prevents us from
calculating the additional premium, we
will ask you to send the required
information. You must submit the
information before your claim can be
paid. Once we determine the amount of
additional premium for the current and
prior policy terms, we will follow the
procedure in G.2.b.(1) above.

(3)   If we do not receive the additional
premium by the date it is due, your flood
insurance claim will be settled based on
the reduced amount of coverage. The
amount of coverage can only be
increased by endorsement subject to
any appropriate waiting period.

3.    However, if we find that you or your agent
intentionally did not tell us, or falsified, any
important fact or circumstance or did anything
fraudulent relating to this insurance, the
provisions of Condition B. Concealment or
Fraud and Policy Voidance apply.

H.   Policy Renewal

1.    This policy will expire at 12:01 a.m. on the last
day of the policy term.

2.    We must receive the payment of the appropriate
renewal premium within 30 days of the
expiration date.

3.    If we find, however, that we did not place your
renewal notice into the U.S. Postal Service, or if
we did mail it, we made a mistake, e.g., we used
an incorrect, incomplete, or illegible address,
which delayed its delivery to you before the due
date for the renewal premium, then we will follow
these procedures:

a.   If you or your agent notified us, not later
than 1 year after the date on which the
payment of the renewal premium was due,
of nonreceipt of a renewal notice before the
due date for the renewal premium, and we
determine that the circumstances in the
preceding paragraph apply, we will mail a
second bill providing a revised due date,
which will be 30 days after the date on which
the bill is mailed.

b.    If we do not receive the premium requested
in the second bill by the revised due date,
then we will not renew the policy. In that
case, the policy will remain an expired
policy as of the expiration date shown on
the Declarations Page.

4.    In connection with the renewal of this policy, we
may ask you during the policy term to recertify,
on a Recertification Questionnaire we will
provide to you, the rating information used to
rate your most recent application for or renewal
of insurance.

I.    Conditions Suspending or Restricting
Insurance

We are not liable for loss that occurs while there is a
hazard that is increased by any means within your
control or knowledge.

Z.   J.    Requirements in Case of Loss

In case of a flood loss to insured property, you
must:

1.   Give prompt written notice to us;

2.    As soon as reasonably possible, separate the
damaged and undamaged property, putting it in
the best possible order so that we may examine
it;

3.    Prepare an inventory of damaged property
showing the quantity, description, actual cash
value, and amount of loss. Attach all bills,
receipts, and related documents;


4.    Within 60 days after the loss, send us a proof of
loss, which is your statement of the amount you
are claiming under the policy signed and sworn
to by you, and which furnishes us with the
following information:
a.   The date and time of loss;

b.    A brief explanation of how the loss
happened;

c.    Your interest (for example, "owner") and the
interest, if any, of others in the damaged
property;

d.    Details of any other insurance that may
cover the loss;

e.    Changes in title or occupancy of the covered
property during the term of the policy;

f.    Specifications of damaged buildings and
detailed repair estimates;

g.    Names of mortgagees or anyone else
having a lien, charge, or claim against the
covered property;

h.    Details about who occupied any insured
building at the time of loss and for what
purpose; and

i.    The inventory of damaged personal property
described in J.3. above.

5.    In completing the proof of loss, you must use
your own judgment concerning the amount of
loss and justify that amount.

6.    You must cooperate with the adjuster or
representative in the investigation of the claim.

7.    The insurance adjuster whom we hire to
investigate your claim may furnish you with a
proof of loss form, and she or he may help you
complete it. However, this is a matter of
courtesy only, and you must still send us a proof
of loss within 60 days after the loss even if the
adjuster does not furnish the form or help you
complete it.

8.    We have not authorized the adjuster to approve
or disapprove claims or to tell you whether we
will approve your claim.

9.    At our option, we may accept the adjuster's
report of the loss instead of your proof of loss.
The adjuster's report will include information
about your loss and the damages you sustained.
You must sign the adjuster's report. At our
option, we may require you to swear to the
report.

K.   Our Options After a Loss

Options we may, in our sole discretion, exercise
after loss include the following:


1.    At such reasonable times and places that we
may designate, you must:

a.    Show us or our representative the damaged
property;

b.    Submit to examination under oath, while not
in the presence of another insured, and sign
the same; and

c.    Permit us to examine and make extracts and
copies of:

(1)   Any policies of property insurance
insuring you against loss and the deed
establishing your ownership of the
insured real property;

(2)   Condominium association documents
including the Declarations of the
condominium, its Articles of
Association or Incorporation, Bylaws,
rules and regulations, and other relevant
documents if you are a unit owner in a
condominium building; and

(3)   All books of accounts, bills, invoices and
other vouchers, or certified copies
pertaining to the damaged property if
the originals are lost.

2.    We may request, in writing, that you furnish us
with a complete inventory of the lost, damaged,
or destroyed property, including:

a.   Quantities and costs;

b.    Actual cash values or replacement cost
(whichever is appropriate);

c.   Amounts of loss claimed;

d.    Any written plans and specifications for
repair of the damaged property that you can
reasonably make available to us; and

e.    Evidence that prior flood damage has been
repaired.

3.    If we give you written notice within 30 days after
we receive your signed, sworn proof of loss, we
may:

a.    Repair, rebuild, or replace any part of the
lost, damaged, or destroyed property with
material or property of like kind and quality
or its functional equivalent; and

b.    Take all or any part of the damaged property
at the value we agree upon or its appraised
value.

L.   No Benefit to Bailee

No person or organization, other than you, having
custody of covered property will benefit from this
insurance.



M.   Loss Payment

1.    We will adjust all losses with you. We will pay
you unless some other person or entity is named
in the policy or is legally entitled to receive
payment. Loss will be payable 60 days after we
receive your proof of loss (or within 90 days after
the insurance adjuster files an adjuster's report
signed and sworn to by you in lieu of a proof of
loss) and:

a.   We reach an agreement with you;

b.   There is an entry of a final judgment; or

c.    There is a filing of an appraisal award with
us, as provided in VII.P.

2.    If we reject your proof of loss in whole or in part
you may:

a.   Accept our denial of your claim;

b.   Exercise your rights under this policy; or

c.    File an amended proof of loss, as long as it
is filed within 60 days of the date of the loss.
N.    Abandonment

You may not abandon to us damaged or
undamaged property insured under this policy.

O.    Salvage

We may permit you to keep damaged insured
property after a loss, and we will reduce the amount
of the loss proceeds payable to you under the
policy by the value of the salvage.

P.    Appraisal

If you and we fail to agree on the actual cash value
or, if applicable, replacement cost of your damaged
property to settle upon the amount of loss, then
either may demand an appraisal of the loss. In this
event, you and we will each choose a competent
and impartial appraiser within 20 days after receiving
a written request from the other. The two appraisers
will choose an umpire. If they cannot agree upon an
umpire within 15 days, you or we may request that
the choice be made by a judge of a court of record in
the State where the covered property is located. The
appraisers will separately state the actual cash
value, the replacement cost, and the amount of loss
to each item. If the appraisers submit a written report
of an agreement to us, the amount agreed upon will
be the amount of loss. If they fail to agree, they will
submit their differences to the umpire. A decision
agreed to by any two will set the amount of actual
cash value and loss, or if it applies, the replacement
cost and loss.

Each party will:

1.    Pay its own appraiser; and


2.    Bear the other expenses of the appraisal and
umpire equally.

AA.   Q.   Mortgage Clause

The word "mortgagee" includes trustee.

Any loss payable under Coverage A - Building
Property will be paid to any mortgagee of whom we
have actual notice as well as any other mortgagee
or loss payee determined to exist at the time of loss,
and you, as interests appear. If more than one
mortgagee is named, the order of payment will be
the same as the order of precedence of the
mortgages.

If we deny your claim, that denial will not apply to a
valid claim of the mortgagee, if the mortgagee:

1.    Notifies us of any change in the ownership or
occupancy, or substantial change in risk of
which the mortgagee is aware;

2.    Pays any premium due under this policy on
demand if you have neglected to pay the
premium; and

3.    Submits a signed, sworn proof of loss within 60
days after receiving notice from us of your failure
to do so.

All of the terms of this policy apply to the
mortgagee.

The mortgagee has the right to receive loss payment
even if the mortgagee has started foreclosure or
similar action on the building.

If we decide to cancel or not renew this policy, it will
continue in effect for the benefit of the mortgagee
only for 30 days after we notify the mortgagee of the
cancellation or nonrenewal.

If we pay the mortgagee for any loss and deny
payment to you, we are subrogated to all the rights
of the mortgagee granted under the mortgage on the
property. Subrogation will not impair the right of the
mortgagee to recover the full amount of the
mortgagee's claim.

R.   Suit Against Us

You may not sue us to recover money under this
policy unless you have complied with all the
requirements of the policy. If you do sue, you must
start the suit within 1 year after the date of the
written denial of all or part of the claim, and you
must file the suit in the United States District Court of
the district in which the insured property was located
at the time of loss. This requirement applies to any
claim that you may have under this policy and to
any dispute that you may have arising out of the
handling of any claim under the policy.

S.   Subrogation

Whenever we make a payment for a loss under this
policy, we are subrogated to your right to recover
for that loss from any other person.   That means that
your right to


recover for a loss that was partly or totally caused by
someone else is automatically transferred to us, to
the extent that we have paid you for the loss. We
may require you to acknowledge this transfer in
writing. After the loss, you may not give up our right
to recover this money or do anything that would
prevent us from recovering it. If you make any claim
against any person who caused your loss and
recover any money, you must pay us back first
before you may keep any of that money.

T.   Continuous Lake Flooding

1.    If your insured building has been flooded by
rising lake waters continuously for 90 days or
more and it appears reasonably certain that a
continuation of this flooding will result in a
covered loss to the insured building equal to or
greater than the building policy limits plus the
deductible or the maximum payable under the
policy for any one building loss, we will pay
you the lesser of these two amounts without
waiting for the further damage to occur if you
sign a release agreeing:

a.   To make no further claim under this policy;

b.   Not to seek renewal of this policy;

c.    Not to apply for any flood insurance under
the Act for property at the described
location; and

d.    Not to seek a premium refund for current or
prior terms.

If the policy term ends before the insured
building has been flooded continuously for 90
days, the provisions of this paragraph T.1. will
apply when the insured building suffers a
covered loss before the policy term ends.

2.    If your insured building is subject to continuous
lake flooding from a closed basin lake, you may
elect to file a claim under either paragraph T.1.
above or paragraph T.2. (A "closed basin lake" is
a natural lake from which water leaves primarily
through evaporation and whose surface area now
exceeds or has exceeded 1 square mile at any
time in the recorded past. Most of the nation's
closed basin lakes are in the western half of the
United States, where annual evaporation exceeds
annual precipitation and where lake levels and
surface areas are subject to considerable
fluctuation due to wide variations in the climate.
These lakes may overtop their basins on rare
occasions.) Under this paragraph T.2. we will pay
your claim as if the building is a total loss even
though it has not been continuously inundated for
90 days, subject to the following conditions:

a.    Lake flood waters must damage or
imminently threaten to damage your
building.

b.   Before approval of your claim, you must:

(1)   Agree to a claim payment that reflects
your buying back the salvage on a
negotiated basis; and

(2)   Grant the conservation easement
described in FEMA's "Policy Guidance
for Closed Basin Lakes," to be recorded
in the office of the local recorder of
deeds. FEMA, in consultation with the
community in which the property is
located, will identify on a map an area or
areas of special consideration (ASC) in
which there is a potential for flood
damage from continuous lake flooding.
FEMA will give the community the
agreed-upon map showing the ASC. This
easement will only apply to that portion of
the property in the ASC. It will allow
certain agricultural and recreational uses
of the land. The only structures that it will
allow on any portion of the property
within the ASC are certain simple
agricultural and recreational structures. If
any of these allowable structures are
insurable buildings under the NFIP and
are insured under the NFIP, they will not
be eligible for the benefits of this
paragraph T.2. If a U.S. Army Corps of
Engineers certified flood control project
or otherwise certified flood control
project later protects the property, FEMA
will, upon request, amend the ASC to
remove areas protected by those
projects. The restrictions of the easement
will then no longer apply to any portion of
the property removed from the ASC; and
(3)   Comply with paragraphs T.1.a. through
T.1.d. above.

c.    Within 90 days of approval of your claim, you
must move your building to a new location
outside the ASC. FEMA will give you an
additional 30 days to move if you show that
there is sufficient reason to extend the time.

d.    Before the final payment of your claim, you
must acquire an elevation certificate and a
floodplain development permit from the local
floodplain administrator for the new location
of your building.

e.    Before the approval of your claim, the
community having jurisdiction over your
building must:

(1)   Adopt a permanent land use
ordinance, or a temporary moratorium
for a period not to exceed 6 months to
be followed immediately by a
permanent land use ordinance, that is
consistent with the provisions
specified in the easement required in
paragraph T.2.b. above.

(2)   Agree to declare and report any
violations of this ordinance to FEMA so
that under Section 1316 of the National
Flood Insurance Act of 1968, as
amended, flood insurance to the
building can be denied; and


(3)   Agree to maintain as deed-restricted, for
purposes compatible with open space or
agricultural or recreational use only, any
affected property the community acquires
an interest in. These deed restrictions
must be consistent with the provisions of
paragraph T.2.b. above, except that,
even if a certified project protects the
property, the land use restrictions
continue to apply if the property was
acquired under the Hazard Mitigation
Grant Program or the Flood Mitigation
Assistance Program. If a nonprofit land
trust organization receives the property
as a donation, that organization must
maintain the property as deed-restricted,
consistent with the provisions of
paragraph T.2.b. above.
f.    Before the approval of your claim, the
affected State must take all action set forth in
FEMA's "Policy Guidance for Closed Basin
Lakes."

g.    You must have NFIP flood insurance
coverage continuously in effect from a date
established by FEMA until you file a claim
under paragraph T.2. If a subsequent owner
buys NFIP insurance that goes into effect
within 60 days of the date of transfer of title,
any gap in coverage during that 60-day
period will not be a violation of this
continuous coverage requirement. For the
purpose of honoring a claim under this
paragraph T.2., we will not consider to be in
effect any increased coverage that became
effective after the date established by FEMA.
The exception to this is any increased
coverage in the amount suggested by your
insurer as an inflation adjustment.

h.    This paragraph T.2. will be in effect for a
community when the FEMA Regional
Director for the affected region provides to
the community, in writing, the following:

(1)   Confirmation that the community and the
State are in compliance with the
conditions in paragraphs T.2.e. and T.2.f.
above; and

(2)   The date by which you must have flood
insurance in effect.

BB.   U.   Duplicate Policies Not Allowed

1.    We will not insure your property under more
than one NFIP policy.

If we find that the duplication was not knowingly
created, we will give you written notice. The
notice will advise you that you may choose one
of several options under the following
procedures:

a.    If you choose to keep in effect the policy
with the earlier effective date, you may also
choose to add the coverage limits of the
later policy to the limits of the earlier policy.
The change will become effective as of the
effective date of the later policy.
b.    If you choose to keep in effect the policy
with the later effective date, you may also
choose to add the coverage limits of the
earlier policy to the limits of the later policy.
The change will be effective as of the
effective date of the later policy.

In either case, you must pay the pro rata
premium for the increased coverage limits within
30 days of the written notice. In no event will the
resulting coverage limits exceed the permissible
limits of coverage under the Act or your
insurable interest, whichever is less.

We will make a refund to you, according to
applicable NFIP rules, of the premium for the
policy not being kept in effect.

2.    Your option under Condition U. Duplicate
Policies Not Allowed to elect which NFIP policy
to keep in effect does not apply when duplicates
have been knowingly created. Losses occurring
under such circumstances will be adjusted
according to the terms and conditions of the
earlier policy. The policy with the later effective
date will be canceled.

V.   Loss Settlement

1.   Introduction

      This policy provides three methods of settling
losses: Replacement Cost, Special Loss
Settlement, and Actual Cash Value. Each
method is used for a different type of property,
as explained in a.-c. below.

a.    Replacement Cost loss settlement,
described in V.2. below, applies to a single-
family dwelling provided:

(1)   It is your principal residence, which
means that, at the time of loss, you or
your spouse lived there for at least 80
percent of:

(a)   The 365 days immediately
preceding the loss; or

(b)   The period of your ownership, if you
owned the dwelling for less than
365 days; and

(2)   At the time of loss, the amount of
insurance in this policy that applies to
the dwelling is 80 percent or more of its
full replacement cost immediately before
the loss, or is the maximum amount of
insurance available under the NFIP.

b.    Special loss settlement, described in V.3.
below, applies to a single-family dwelling
that is a manufactured or mobile home or a
travel trailer.

c.    Actual Cash Value loss settlement applies
to a single-family dwelling not subject to
replacement cost or special loss settlement,
and to the property listed in V.4. below.


2.   Replacement Cost Loss Settlement

The following loss settlement conditions apply to
a single-family dwelling described in V.1.a.
above:

a.    We will pay to repair or replace the
damaged dwelling after application of the
deductible and without deduction for
depreciation, but not more than the least of
the following amounts:

(1)   The building limit of liability shown on
your Declarations Page;

(2)   The replacement cost of that part of the
dwelling damaged, with materials of
like kind and quality, and for like use; or

(3)   The necessary amount actually spent to
repair or replace the damaged part of
the dwelling for like use.

b.    If the dwelling is rebuilt at a new location,
the cost described above is limited to the
cost that would have been incurred if the
dwelling had been rebuilt at its former
location.

c.    When the full cost of repair or replacement
is more than $1,000 or more than 5 percent
of the whole amount of insurance that
applies to the dwelling, we will not be liable
for any loss under V.2.a. above or V.4.a.(2)
below unless and until actual repair or
replacement is completed.

d.   You may disregard the replacement cost
conditions above and make claim under this
policy for loss to dwellings on an actual
cash value basis. You may then make claim
for any additional liability according to V.2.a.,
b., and c. above, provided you notify us of
your intent to do so within 180 days after the
date of loss.

e.    If the community in which your dwelling is
located has been converted from the
Emergency Program to the Regular
Program during the current policy term,
then we will consider the maximum amount
of available NFIP insurance to be the
amount that was available at the beginning
of the current policy term.

3.   Special Loss Settlement

a.    The following loss settlement conditions
apply to a single-family dwelling that:

(1)   Is a manufactured or mobile home or a
travel trailer, as defined in II.B.6.b. and
II.B.6.c.;

(2)   Is at least 16 feet wide when fully
assembled and has an area of at least
600 square feet within its perimeter
walls when fully assembled; and


(3)   Is your principal residence, as specified
in V.1.a.(1) above.

b.    If such a dwelling is totally destroyed or
damaged to such an extent that, in our
judgment, it is not economically feasible to
repair, at least to its predamage condition,
we will, at our discretion, pay the least of the
following amounts:

(1)   The lesser of the replacement cost of
the dwelling or 1.5 times the actual
cash value, or

(2)   The building limit of liability shown on
your Declarations Page.

c.    If such a dwelling is partially damaged and,
in our judgment, it is economically feasible
to repair it to its predamage condition, we
will settle the loss according to the
Replacement Cost conditions in paragraph
V.2. above.

4.   Actual Cash Value Loss Settlement

The types of property noted below are subject to
actual cash value [or in the case of V.4.a.(2)
below, proportional] loss settlement.

a.    A dwelling, at the time of loss, when the
amount of insurance on the dwelling is both
less than 80 percent of its full replacement
cost immediately before the loss and less
than the maximum amount of insurance
available under the NFIP. In that case, we
will pay the greater of the following amounts,
but not more than the amount of insurance
that applies to that dwelling:

(1)   The actual cash value, as defined in
II.B.2., of the damaged part of the
dwelling; or

(2)   A proportion of the cost to repair or
replace the damaged part of the
dwelling, without deduction for physical
depreciation and after application of the
deductible.

This proportion is determined as follows:
If 80 percent of the full replacement cost
of the dwelling is less than the
maximum amount of insurance available
under the NFIP, then the proportion is
determined by dividing the actual
amount of insurance on the dwelling by
the amount of insurance that represents
80 percent of its full replacement cost.
But if 80 percent of the full replacement
cost of the dwelling is greater than the
maximum amount of insurance available
under the NFIP, then the proportion is
determined by dividing the actual
amount of insurance on the dwelling by
the maximum amount of insurance
available under the NFIP.

b.   A two-, three-, or four-family dwelling.

c.    A unit that is not used exclusively for single-
family dwelling purposes.


d.   Detached garages.
e.      Personal property.

f.      Appliances, carpets, and carpet pads.

g.    Outdoor awnings, outdoor antennas or
aerials of any type, and other outdoor
equipment.

h.    Any property covered under this policy that
is abandoned after a loss and remains as
debris anywhere on the described location.

i.    A dwelling that is not your principal
residence.

5.      Amount of Insurance Required

To determine the amount of insurance required
for a dwelling immediately before the loss, do
not include the value of:
a.    Footings, foundations, piers, or any other
structures or devices that are below the
undersurface of the lowest basement floor
and support all or part of the dwelling;

b.    Those supports listed in V.5.a. above that
are below the surface of the ground inside
the foundation walls if there is no basement;
and

c.    Excavations and underground flues, pipes,
wiring, and drains.

The Coverage D - Increased Cost of
Compliance limit of liability is not included in the
determination of the amount of insurance
required.




VIII.    LIBERALIZATION CLAUSE




If we make a change that broadens your coverage
under this edition of our policy, but does not require
any additional premium, then that change will
automatically apply to your insurance as of the date
we implement the change, provided that this
implementation date falls within 60 days before, or
during, the policy term stated on the Declarations
Page.




IX.   WHAT LAW GOVERNS




This policy and all disputes arising from the
handling of any claim under the policy are governed
exclusively by the flood insurance regulations issued
by FEMA, the


National Flood Insurance Act of 1968, as amended
(42 U.S.C. 4001, et seq.), and Federal common law.


_________________________________________________________________________
_________________
__________

IN WITNESS WHEREOF, we have signed this policy below and hereby enter
into this Insurance Agreement.




David I. Maurstad
Acting Administrator, National Flood Insurance Program
Federal Emergency Management Agency



_________________________________________________________________________
____
_________

CLAIM GUIDELINES IN CASE OF A FLOOD
_________________________________________________________________________
____
_________
For the protection of you and your family, the following claim guidelines
are provided by the
National Flood Insurance Program (NFIP). If you are ever in doubt as to
what action is needed,
consult your insurance representative or call the NFIP toll-free at 1-
800-638-6620 or on the TDD
line at 1-800-447-9487.

Know your insurance representative's name and telephone number. List them
here for fast
reference:

Insurance Representative _________________________________

Representative's Phone Number ______________________________

?     Notify us or your insurance representative, in writing, as soon as
possible after the flood.

?     If you report to your insurance representative, remind him or her
to assign the claim to an
NFIP- approved claims adjuster. The NFIP pays for the services of the
independent claims
adjuster assigned to your claim.

?     Determine the independent claims adjuster assigned to your claim
and contact him or her if
you have not been contacted within 24 hours after you reported the claim
to your insurance
representative.

?     As soon as possible, separate damaged property from undamaged
property so that damage
can be inspected and evaluated.

?     Discuss with the claims adjuster any need you may have for an
advance or partial payment
for your loss.

?     To help the claims adjuster, try to take photographs of the outside
of the premises showing
the flooding and the damage and photographs of the inside of the premises
showing the
height of the water and the damaged property.

?     Place all account books, financial records, receipts, and other
loss verification material in a
safe place for examination and evaluation by the claims adjuster.

?     Work cooperatively and promptly with the claims adjuster to
determine and document all
claim items. Be prepared to advise the claims adjuster of the cause and
responsible
party(ies), if the flooding resulted from other than natural cause.
?     Make sure that the claims adjuster fully explains, and that you
fully understand, all
allowances and procedures for processing claim payments on the basis of
your proof of loss.
This policy requires you to send us detailed proof of loss within 60 days
after the loss.

?     Any and all coverage problems and claim allowance restrictions must
be communicated
directly from the NFIP. Claims adjusters are not authorized to approve
or deny claims; their
job is to report to the NFIP on the elements of flood cause and damage.

At our option, we may accept an adjuster's report of the loss instead of
your proof of loss. The
adjuster's report will include information about your loss and the
damages to your insured
property. You must sign the adjuster's report. At our option, we may
require you to swear to the
report.




     F-122 (10/04)


GENERAL PROPERTY FORM

Summary of Significant Changes, December 31, 2000



1.    Section III. Property Covered, A. Coverage A
-Building Property, 3.

Additions and extensions to buildings that are
connected by a rigid exterior wall, a solid load-
bearing interior wall, a stairway, an elevated
walkway, or a roof may be insured as part of the
building. At the option of the insured, these
extensions and additions may be insured separately.
Additions and extensions that are attached to and in
contact with the building by means of a common
interior wall that is not a solid load-bearing wall are
always considered part of the building and cannot be
insured separately.
2.    Section III. Property Covered, B. Coverage B
-Personal Property, 5. Special Limits

Coverage for fine arts, collectibles, jewelry, and furs,
etc., has been increased to $2500.

3.    Section III. Property Covered B. Coverage B -
Personal Property, 8.

Coverage for condominium unit owners has been
extended to apply up to 10 percent of the contents
coverage for losses to interior walls, floors, and
ceilings not covered by the condominium
association's master policy.

4.    Section III. Property Covered, C. Coverage C
-Other Coverages, 2.a. & b.

Coverage for the two loss avoidance measures
(sandbagging and relocation of property to protect it
from flood or the imminent danger of flood) has been
increased to $1,000 for each.

5.    Section III. Property Covered, C. Coverage C
- Other Coverages, 3. Pollution Damage

Coverage for damage caused by pollutants to
covered property has been limited to $10,000. This
does not cover the cost of testing for or monitoring of
pollutants unless it is required by law or ordinance.

6.   Section IV.   Property Not Covered, 5.a. & b.

Coverage has been changed to pay for losses to
self-propelled vehicles used to service the described
location or designed to assist handicapped persons
provided that the vehicles are in a building at the
described location.



7.   Section IV.   Property Not Covered, 7.

Coverage is now specifically excluded for scrip and
stored value cards.

8.   Section IV.   Property Not Covered, 14.

Coverage for swimming pools, hot tubs, and spas
(that are not bathroom hot tubs or spas), and their
equipment is now excluded.

9.   Section V.    Exclusions, B.1 & 2.
The explanation of when coverage begins as it
relates to a loss in progress has been simplified.

10.   Section V.   Exclusions, C.

Coverage has been clarified to pay for losses from
land subsidence under certain circumstances.
Subsidence of land along a lake shore or similar
body of water which results from the erosion or
undermining of the shoreline caused by waves or
currents of water exceeding cyclical levels that result
in a flood continues to be covered. All other land
subsidence is now excluded.

11.   Section V.   Exclusions, D.4.b.(3)

Coverage is now excluded for water, moisture,
mildew, or mold damage caused by the
policyholder's failure to inspect and maintain the
insured property after the flood waters recede.

12.   Section V.   Exclusions, D.6.

Coverage is added for damage from the pressure of
water against the insured structure with the
requirement that there be a flood in the area and the
flood is the proximate cause of damage from the
pressure of water against the insured structure.

13.   Section VII. General Conditions, G.
Reduction and Reformation of Coverage,
2.a.(2)

If it is discovered before a claim occurs that
there is incomplete rating information, the
policyholder has 60 days to submit missing
rating information. Otherwise, the coverage is
limited to the amount of coverage that can be
purchased for the premium originally received
and can only be increased by an endorsement
that is subject to the appropriate waiting period
(currently 30 days).


FEDERAL EMERGENCY MANAGEMENT AGENCY
NATIONAL FLOOD INSURANCE PROGRAM

STANDARD FLOOD INSURANCE POLICY

GENERAL PROPERTY FORM

PLEASE READ THE POLICY CAREFULLY.     THE FLOOD INSURANCE PROVIDED IS
SUBJECT TO
LIMITATIONS, RESTRICTIONS, AND EXCLUSIONS.

THIS POLICY PROVIDES NO COVERAGE:

1.    IN A REGULAR PROGRAM COMMUNITY, FOR A RESIDENTIAL CONDOMINIUM
BUILDING, AS DEFINED
IN THIS POLICY; AND

2.    EXCEPT FOR PERSONAL PROPERTY COVERAGE, FOR A UNIT IN A CONDOMINIUM
BUILDING.


I.    AGREEMENT




The Federal Emergency Management Agency
(FEMA) provides flood insurance under the terms of
the National Flood Insurance Act of 1968 and its
amendments, and Title 44 of the Code of Federal
Regulations (CFR).

We will pay you for direct physical loss by or from
flood to your insured property if you:

1.     Have paid the correct premium;


2.    Comply with all terms and conditions of this
policy; and

3.    Have furnished accurate information and
statements.

We have the right to review the information you give
us at any time and to revise your policy based on
our review.




CC.    II.   DEFINITIONS




A.    In this policy, "you" and "your" refer to the
insured(s) shown on the Declarations Page of
this policy. "Insured(s)" includes: Any
mortgagee and loss payee named in the
Application and Declarations Page, as well as
any other mortgagee or loss payee determined
to exist at the time of loss in the order of
precedence. "We," "us," and "our" refer to the
insurer.

Some definitions are complex because they are
provided as they appear in the law or regulations, or
result from court cases. The precise definitions are
intended to protect you.

Flood, as used in this flood insurance policy,
means:

1.    A general and temporary condition of partial or
complete inundation of two or more acres of
normally dry land area or of two or more
properties (at least one of which is your
property) from:

a.   Overflow of inland or tidal waters;

b.    Unusual and rapid accumulation or runoff of
surface waters from any source;

c.   Mudflow.



2.    Collapse or subsidence of land along the shore
of a lake or similar body of water as a result of
erosion or undermining caused by waves or
currents of water exceeding anticipated cyclical
levels that result in a flood as defined in A.1.a.
above.

B.    The following are the other key definitions that
we use in this policy:

1.    Act. The National Flood Insurance Act of 1968
and any amendments to it.

2.    Actual Cash Value. The cost to replace an
insured item of property at the time of loss, less
the value of its physical depreciation.

3.    Application. The statement made and signed
by you or your agent in applying for this policy.
The application gives information we use to
determine the eligibility of the risk, the kind of
policy to be issued, and the correct premium
payment. The application is part of this flood
insurance policy. For us to issue you a policy,
the correct premium payment must accompany
the application.

4.   Base Flood. A flood having a one percent
chance of being equaled or exceeded in any
given year.


5.    Basement. Any area of the building, including
any sunken room or sunken portion of a room,
having its floor below ground level (subgrade) on
all sides.

6.   Building.

      a.   A structure with two or more outside rigid
walls and a fully secured roof, that is affixed
to a permanent site;

      b.   A manufactured home (a "manufactured
home," also known as a mobile home, is a
structure: built on a permanent chassis,
transported to its site in one or more
sections, and affixed to a permanent
foundation); or

c.    A travel trailer without wheels, built on a
chassis and affixed to a permanent
foundation, that is regulated under the
community's floodplain management and
building ordinances or laws.

Building does not mean a gas or liquid storage
tank or a recreational vehicle, park trailer, or
other similar vehicle, except as described in
B.6.c., above.

7.    Cancellation. The ending of the insurance
coverage provided by this policy before the
expiration date.

8.    Condominium. That form of ownership of real
property in which each unit owner has an
undivided interest in common elements.

9.    Condominium Association. The entity made
up of the unit owners responsible for the
maintenance and operation of:

      a.   Common elements owned in undivided
shares by unit owners; and

b.    Other real property in which the unit owners
have use rights ;

where membership in the entity is a required
condition of unit ownership.
10.   Declarations Page. A computer-generated
summary of information you provided in the
application for insurance. The Declarations
Page also describes the term of the policy,
limits of coverage, and displays the premium
and our name. The Declarations Page is a part
of this flood insurance policy.

11.   Described Location. The location where the
insured building or personal property are found.
The described location is shown on the
Declarations Page.

12.   Direct Physical Loss By or From Flood. Loss
or damage to insured property, directly caused
by a flood. There must be evidence of physical
changes to the property.



13.   Elevated Building. A building that has no
basement and that has its lowest elevated floor
raised above ground level by foundation walls,
shear walls, posts, piers, pilings, or columns.

14.   Emergency Program. The initial phase of a
community's participation in the National Flood
Insurance Program. During this phase, only
limited amounts of insurance are available under
the Act.

15.   Expense Constant. A flat charge you must pay
on each new or renewal policy to defray the
expenses of the Federal Government related to
flood insurance.

16.   Federal Policy Fee. A flat charge you must pay
on each new or renewal policy to defray certain
administrative expenses incurred in carrying out
the National Flood Insurance Program. This
fee covers expenses not covered by the
expense constant.

17.   Improvements. Fixtures, alterations,
installations, or additions comprising a part of
the insured building.

18.   Mudflow. A river of liquid and flowing mud on
the surfaces of normally dry land areas, as when
earth is carried by a current of water. Other
earth movements, such as landslide, slope
failure, or a saturated soil mass moving by
liquidity down a slope, are not mudflows.
19.   National Flood Insurance Program (NFIP).
The program of flood insurance coverage and
floodplain management administered under the
Act and applicable Federal regulations in Title
44 of the Code of Federal Regulations,
Subchapter B.

20.   Policy. The entire written contract between you
and us. It includes:

a.    This printed form;

b.    The application and Declarations Page;

c.     Any endorsement(s) that may be issued;
and

d.    Any renewal certificate indicating that
coverage has been instituted for a new
policy and new policy term.

Only one building, which you specifically
described in the application, may be insured
under this policy.

21.   Pollutants. Substances that include, but are not
limited to, any solid, liquid, gaseous, or thermal
irritant or contaminant, including smoke, vapor,
soot, fumes, acids, alkalis, chemicals, and
waste. "Waste" includes, but is not limited to,
materials to be recycled, reconditioned, or
reclaimed.

22.   Post-FIRM Building. A building for which
construction or substantial improvement
occurred


after December 31, 1974, or on or after the
effective date of an initial Flood Insurance Rate
Map (FIRM), whichever is later.

23.   Probation Premium. A flat charge you must
pay on each new or renewal policy issued
covering property in a community that the NFIP
has placed on probation under the provisions of
44 CFR 59.24.

24.   Regular Program. The final phase of a
community's participation in the National Flood
Insurance Program. In this phase, a Flood
Insurance Rate Map is in effect and full limits of
coverage are available under the Act.
25.   Residential Condominium Building. A
building, owned and administered as a
condominium, containing one or more family
units and in which at least 75 percent of the
floor area is residential.

26.   Special Flood Hazard Area. An area having
special flood, or mudflow, and/or flood-related
erosion hazards, and shown on a Flood Hazard
Boundary Map or Flood Insurance Rate Map as
Zone A, AO, A1-A30, AE, A99, AH, AR, AR/A,
AR/AE, AR/AH, AR/AO, AR/A1-A30, V1-V30,
VE, or V.

27.   Stock. Merchandise held in storage or for sale,
raw materials, and in-process or finished goods,
including supplies used in their packing or
shipping. Stock does not include any property
not covered under Section IV. Property Not
Covered, except the following:

a.    Parts and equipment for self-propelled
vehicles;

b.     Furnishings and equipment for watercraft;

c.     Spas and hot-tubs, including their equipment;
and

d.     Swimming pool equipment.

28.    Unit. A unit in a condominium building.

29.   Valued Policy. A policy in which the insured
and the insurer agree on the value of the
property insured, that value being payable in the
event of a total loss. The Standard Flood
Insurance Policy is not a valued policy.




III.   PROPERTY COVERED




A.     COVERAGE A - BUILDING PROPERTY

We insure against direct physical loss by or from
flood to:
1.    The building described on the Declarations
Page at the described location. If the building
is a condominium building and the named
insured is the condominium association,
Coverage A includes all units within the
building and the improvements within the
units, provided the units are owned in common
by all unit owners.

2.    We also insure building property for a period of
45 days at another location, as set forth in
III.C.2.b., Property Removed to Safety.

3.    Additions and extensions attached to and in
contact with the building by means of a rigid
exterior wall, a solid load-bearing interior wall, a
stairway, an elevated walkway, or a roof. At your
option, additions and extensions connected by
any of these methods may be separately
insured. Additions and extensions attached to
and in contact with the building by means of a
common interior wall that is not a solid load-
bearing wall are always considered part of the
building and cannot be separately insured.

4.    The following fixtures, machinery, and
equipment, which are covered under Coverage
A only:

a.    Awnings and canopies;
b.    Blinds;
c.    Carpet permanently installed over unfinished
flooring;
d.    Central air conditioners;
e.    Elevator equipment;
f.    Fire extinguishing apparatus;
g.    Fire sprinkler systems;
h.    Walk-in freezers;
i.    Furnaces;
j.    Light fixtures;
k.    Outdoor antennas and aerials attached to
buildings;
l.    Permanently installed cupboards,
bookcases, paneling, and wallpaper;
m.    Pumps and machinery for operating pumps;
n.    Ventilating equipment;
o.    Wall mirrors, permanently installed; and
p.    In the units within the building, installed:

(1)   Built-in dishwashers;
(2)   Built-in microwave ovens;
(3)   Garbage disposal units;
(4)   Hot water heaters, including solar water
heaters;
(5)    Kitchen cabinets;
(6)    Plumbing fixtures;
(7)    Radiators;
(8)    Ranges;
(9)    Refrigerators; and
(10)   Stoves.


5.    Materials and supplies to be used for
construction, alteration, or repair of the insured
building while the materials and supplies are
stored in a fully enclosed building at the
described location or on an adjacent property.

6.    A building under construction, alteration, or
repair at the described location.

a.    If the structure is not yet walled or roofed as
described in the definition for building (see
II.B. 6.a.), then coverage applies:

(1)   Only while such work is in progress; or
(2)   If such work is halted, only for a period
of up to 90 continuous days thereafter.
b.    However, coverage does not apply until the
building is walled and roofed if the lowest
floor, including the basement floor, of a non-
elevated building or the lowest elevated
floor of an elevated building is:
(1)   Below the base flood elevation in
Zones AH, AE, A1-A30, AR, AR/AE,
AR/AH, AR/A1-A30, AR/A, AR/AO; or
(2)   Below the base flood elevation
adjusted to include the effect of wave
action in Zones VE or V1-V30.

The lowest floor levels are based on the
bottom of the lowest horizontal structural
member of the floor in Zones VE or V1-V30
and the top of the floor in Zones AH, AE, A1-
A30, AR, AR/AE, AR/AH, AR/A1-A30, AR/A,
AR/AO.
7.    A manufactured home or a travel trailer as
described in the Definitions section (see
II.B.6.b.and II.B.6.c.).

If the manufactured home or travel trailer is in a
special flood hazard area, it must be anchored
in the following manner at the time of the loss:

a.    By over-the-top or frame ties to ground
anchors; or

b.     In accordance with the manufacturer's
speci-fications; or

c.    In compliance with the community's
floodplain management requirements

unless it has been continuously insured by the
NFIP at the same described location since
September 30, 1982.

8.    Items of property in a building enclosure below
the lowest elevated floor of an elevated post-
FIRM building located in Zones A1-A30, AE,
AH, AR,


AR/A, AR/AE, AR/AH, AR/A1-A30, V1-V30, or
VE, or in a basement, regardless of the zone.
Coverage is limited to the following:

a.    Any of the following items, if installed in their
functioning locations and, if necessary for
operation, connected to a power source:

(1)   Central air conditioners;
(2)   Cisterns and the water in them;
(3)   Drywall for walls and ceilings in a
basement and the cost of labor to nail
it, unfinished and unfloated and not
taped, to the framing;
(4)   Electrical junction and circuit breaker
boxes;
(5)   Electrical outlets and switches;
(6)   Elevators, dumbwaiters, and related
equip-ment, except for related
equipment installed below the base
flood elevation after September 30,
1987;
(7)   Fuel tanks and the fuel in them;
(8)   Furnaces and hot water heaters;
(9)   Heat pumps;
(10) Nonflammable insulation in a
basement;
(11) Pumps and tanks used in solar energy
systems;
(12) Stairways and staircases attached to the
building, not separated from it by
elevated walkways;
(13) Sump pumps;
(14) Water softeners and the chemicals in
them, water filters, and faucets installed
as an integral part of the plumbing
system;
(15) Well water tanks and pumps;
(16) Required utility connections for any item
in this list; and
(17) Footings, foundations, posts, pilings,
piers, or other foundation walls and
anchorage systems required to support
a building.

b.    Clean-up.

B.    COVERAGE B - PERSONAL PROPERTY

1.    If you have purchased personal property
coverage, we insure, subject to B.2., 3., and 4.
below, against direct physical loss by or from
flood to personal property inside a fully
enclosed insured building:

a.    Owned solely by you, or in the case of a
condominium, owned solely by the con-
dominium association and used
exclusively in the conduct of the business
affairs of the condominium association; or

b.    Owned in common by the unit owners of the
condominium association.

We also insure such personal property for 45
days while stored at a temporary location, as set
forth in III.C.2.b. Property Removed to Safety.


2.    When this policy covers personal property,
coverage will be either for household personal
property or other than household personal
property, while within the insured building, but
not both.

a.    If this policy covers household personal
property, it will insure household personal
property usual to a living quarters, that:

(1)   Belongs to you, or a member of your
household, or at your option:

(a)   Your domestic worker;

(b)   Your guest; or

(2)   You may be legally liable for.

b.    If this policy covers other than household
personal property, it will insure your:

(1)   Furniture and fixtures;
(2)   Machinery and equipment;

(3)   Stock; and

(4)   Other personal property owned by you
and used in your business, subject to IV.
Property Not Covered.

3.    Coverage for personal property includes the
following property, subject to B.1.a. and B.1.b.
above, which is covered under Coverage B only:

a.    Air conditioning units installed in the
building;
b.    Carpet, not permanently installed, over
unfinished flooring;
c.    Carpets over finished flooring;
d.    Clothes washers and dryers;
e.    "Cook-out" grills;
f.    Food freezers, other than walk-in, and food
in any freezer;
g.    Outdoor equipment and furniture stored
inside the insured building;
h.    Ovens and the like; and
i.    Portable microwave ovens and portable
dishwashers.

4.    Coverage for items of property in a building
enclosure below the lowest elevated floor of an
elevated post-FIRM building located in Zones
A1-A30, AE, AH, AR, AR/A, AR/AE, AR/AH,
AR/A1-A30, V1-V30, or VE, or in a basement,
regardless of the zone, is limited to the following
items, if installed in their functioning locations
and, if necessary for operation, connected to a
power source:

a.    Air conditioning units, portable or window type;
b.    Clothes washers and dryers; and
c.    Food freezers, other than walk-in, and food in
any freezer.



5.    Special Limits. We will pay no more than
$2,500 for any loss to one or more of the
following kinds of personal property:

a.    Artwork, photographs, collectibles, or
memorabilia, including but not limited to,
porcelain or other figures, and sports cards;

b.    Rare books or autographed items;
c.    Jewelry, watches, precious and
semiprecious stones, or articles of gold,
silver, or platinum;

d.    Furs or any article containing fur which
represents its principal value.

6.    We will pay only for the functional value of
antiques.

7.    If you are a tenant, you may apply up to 10
percent of the Coverage B limit to
improvements:

a.    Made a part of the building you occupy;
and

b.    You acquired or made at your expense,
even though you cannot legally remove
them.

This coverage does not increase the amount of
insurance that applies to insured personal
property.

8.    If you are a condominium unit owner, you may
apply up to 10 percent of the Coverage B limit to
cover loss to interior:

a.    Walls;

b.    Floors; and

c.    Ceilings;

that are not covered under a policy issued to
the condominium association insuring the
condo-minium building.

This coverage does not increase the amount of
insurance that applies to insured personal
property.

9.    If you are a tenant, personal property must be
inside the fully enclosed building.

C.    COVERAGE C - OTHER COVERAGES

1.    Debris Removal

a.    We will pay the expense to remove non-
owned debris on or in insured property and
owned debris anywhere.
b.    If you or a member of your household
perform the removal work, the value of your
work will be based on the Federal minimum
wage.

c.    This coverage does not increase the
Coverage A or Coverage B limit of liability.


2.     Loss Avoidance Measures

a.     Sandbags, Supplies, and Labor

(1)   We will pay up to $1,000 for the costs
you incur to protect the insured building
from a flood or imminent danger of
flood, for the following:

(a)    Your reasonable expenses to buy:

(i)   Sandbags, including sand to fill
them;

(ii)   Fill for temporary levees;

(iii) Pumps; and

(iv) Plastic sheeting and lumber
used in connection with these
items; and

(b)   The value of work, at the Federal
minimum wage, that you perform.

(2)   This coverage for Sandbags, Supplies,
and Labor only applies if damage to
insured property by or from flood is
imminent and the threat of flood
damage is apparent enough to lead a
person of common prudence to
anticipate flood damage. One of the
following must also occur:

(a)   A general and temporary condition
of flooding in the area near the
described location must occur,
even if the flood does not reach the
insured building; or

(b)   A legally authorized official must
issue an evacuation order or other
civil order for the community in
which the insured building is
located calling for measures to
preserve life and property from the
peril of flood.

This coverage does not increase the
Coverage A or Coverage B limit of liability.

b.   Property Removed to Safety

(1)   We will pay up to $1,000 for the reasonable
expenses you incur to move insured
property to a place other than the
described location that contains the
property in order to protect it from flood
or the imminent danger of flood.

Reasonable expenses include the value
of work, at the Federal minimum wage,
that you perform.



(2)   If you move insured property to a
location other than the described
location that contains the property, in
order to protect it from flood or the
imminent danger of flood, we will cover
such property while at that location for a
period of 45 consecutive days from the
date you begin to move it there. The
personal property that is moved must be
placed in a fully enclosed building or
otherwise reasonably protected from the
elements.

Any property removed, including a moveable
home described in II.B.6.b. and c., must be
placed above ground level or outside of the
special flood hazard area.

This coverage does not increase the
Coverage A or Coverage B limit of liability.

3.   Pollution Damage

We will pay for damage caused by pollutants to
covered property if the discharge, seepage,
migration, release, or escape of the pollutants
is caused by or results from flood. The most we
will pay under this coverage is $10,000. This
coverage does not increase the Coverage A or
Coverage B limits of liability. Any payment under
this provision when combined with all other
payments for the same loss cannot exceed the
replacement cost or actual cash value, as
appropriate, of the covered property. This
coverage does not include the testing for or the
monitoring of pollutants unless required by law
or ordinance.

D.    COVERAGE D - INCREASED COST OF
COMPLIANCE

1.   General

This policy pays you to comply with a State or
local floodplain management law or ordinance
affecting repair or reconstruction of a structure
suffering flood damage. Compliance activities
eligible for payment are: elevation, floodproofing,
relocation, or demolition (or any combination of
these activities) of your structure. Eligible
floodproofing activities are limited to:

a.   Nonresidential structures.

b.    Residential structures with
basements that satisfy FEMA's
standards published in the Code
of Federal Regulations [44 CFR
60.6 (b) or (c)].

2.   Limit of Liability

We will pay you up to $30,000 under
this Coverage D - Increased Cost of
Compliance, which only applies to
policies with building coverage
(Coverage A).


Our payment of claims under Coverage D is in
addition to the amount of coverage which you
selected on the application and which appears
on the Declarations Page. But the maximum
you can collect under this policy for both
Coverage A - Building Property and Coverage D
- Increased Cost of Compliance cannot exceed
the maximum permitted under the Act. We do
not charge a separate deductible for a claim
under Coverage D.

3.   Eligibility

a.    A structure covered under
Coverage A - Building Property
sustaining a loss caused by a
flood as defined by this policy
must:
(1)   Be a "repetitive loss structure." A
repetitive loss structure is one that
meets the following conditions:

(a)   The structure is covered by a
contract of flood insurance issued
under the NFIP.

(b)   The structure has suffered flood
damage on two occasions during a
10-year period which ends on the
date of the second loss.

(c)   The cost to repair the flood
damage, on average, equaled or
exceeded 25 percent of the market
value of the structure at the time of
each flood loss.

(d)   In addition to the current claim, the
NFIP must have paid the previous
qualifying claim, and the State or
community must have a cumulative,
substantial damage provision or
repetitive loss provision in its
floodplain management law or
ordinance being enforced against
the structure; or

(2)   Be a structure that has had flood
damage in which the cost to repair
equals or exceeds 50 percent of the
market value of the structure at the time
of the flood. The State or community
must have a substantial damage
provision in its floodplain management
law or ordinance being enforced against
the structure.

b.    This Coverage D pays you to
comply with State or local
floodplain management laws or
ordinances that meet the minimum
standards of the National Flood
Insurance Program found in the
Code of Federal Regulations at
44 CFR 60.3. We pay for
compliance activities that
exceed those standards under
these conditions:

(1)   3.a.(1) above.
(2)   Elevation or floodproofing in any risk
zone to preliminary or advisory base
flood


elevations provided by FEMA which the
State or local government has adopted
and is enforcing for flood-damaged
structures in such areas. (This includes
compliance activities in B, C, X, or D
zones which are being changed to
zones with base flood elevations. This
also includes compliance activities in
zones where base flood elevations are
being increased, and a flood-damaged
structure must comply with the higher
advisory base flood elevation.)
Increased Cost of Compliance coverage
does not apply to situations in B, C, X,
or D zones where the community has
derived its own elevations and is
enforcing elevation or floodproofing
requirements for flood-damaged
structures to elevations derived solely
by the community.

(3)   Elevation or floodproofing above the
base flood elevation to meet State or
local "freeboard" requirements, i.e., that
a structure must be elevated above the
base flood elevation.

c.    Under the minimum NFIP criteria
at 44 CFR 60.3 (b)(4), States
and communities must require the
elevation or floodproofing of
structures in unnumbered A zones
to the base flood elevation
where elevation data is obtained
from a Federal, State, or other
source. Such compliance
activities are also eligible for
Coverage D.

d.    This coverage will also pay for
the incremental cost, after
demolition or relocation, of
elevating or floodproofing a
structure during its rebuilding
at the same or another site to
meet State or local floodplain
management laws or ordinances,
subject to Exclusion D.5.g.
below.
e.    This coverage will also pay to
bring a flood-damaged structure
into compliance with State or
local floodplain management laws
or ordinances even if the
structure had received a
variance before the present loss
from the applicable floodplain
management requirements.

4.   Conditions

a.    When a structure covered under
Coverage A - Building Property
sustains a loss caused by a flood,
our payment for the loss under this
Coverage D will be for the
increased cost to elevate,
floodproof, relocate, or demolish
(or any combination of these
activities) caused by the
enforcement of current State or
local floodplain management
ordinances or laws. Our payment for
eligible demolition activities will
be for the cost to demolish and
clear the site of the building
debris or a portion thereof caused
by the


enforcement of current State or local
floodplain management ordinances or
laws. Eligible activities for the cost of
clearing the site will include those
necessary to discontinue utility service
to the site and ensure proper
abandonment of on-site utilities.

b.    When the building is repaired or rebuilt, it
must be intended for the same
occupancy as the present building unless
otherwise required by current floodplain
management ordinances or laws.

5.   Exclusions

Under this Coverage D - Increased Cost of
Compliance we will not pay for:

a.    The cost to comply with any floodplain
management law or ordinance in
communities participating in the
Emergency Program.

b.    The cost associated with enforcement of
any ordinance or law that requires any
insured or others to test for, monitor,
clean up, remove, contain, treat, detoxify
or neutralize, or in any way respond to,
or assess the effects of pollutants.

c.    The loss in value to any insured building
or other structure due to the
requirements of any ordinance or law.

d.    The loss in residual value of the
undamaged portion of a building
demolished as a con-sequence of
enforcement of any State or local
floodplain management law or ordinance.

e.    Any Increased Cost of Compliance under
this Coverage D:

(1)   Until the building is elevated,
floodproofed, demolished, or
relocated on the same or to another
premises; and



(2)   Unless the building is elevated, flood-
proofed, demolished, or relocated as
soon as reasonably possible after the
loss, not to exceed 2 years.

f.    Any code upgrade requirements, e. g.,
plumbing or electrical wiring, not specifically
related to the State or local floodplain
management law or ordinance.

g.    Any compliance activities needed to bring
additions or improvements made after the
loss occurred into compliance with State or
local floodplain management laws or
ordinances.

h.    Loss due to any ordinance or law that you
were required to comply with before the
current loss.

i.    Any rebuilding activity to standards that do
not meet the NFIP's minimum requirements.
This includes any situation where the
insured has received from the State or
community a variance in connection with the
current flood loss to rebuild the property to
an elevation below the base flood elevation.

j.    Increased Cost of Compliance for a garage or
carport.

k.    Any structure insured under an NFIP Group
Flood Insurance Policy.

l.    Assessments made by a condominium
association on individual condominium unit
owners to pay increased costs of repairing
commonly owned buildings after a flood in
compliance with State or local floodplain
management ordinances or laws.

6.    Other Provisions

All other conditions and provisions of this policy
apply.




IV.   PROPERTY NOT COVERED




We do not cover any of the following property:

1.    Personal property not inside the fully enclosed
building;

2.    A building, and personal property in it, located
entirely in, on, or over water or seaward of mean
high tide, if it was constructed or substantially
improved after September 30, 1982;

3.    Open structures, including a building used as a
boathouse or any structure or building into
which boats are floated, and personal property
located in, on, or over water;
4.    Recreational vehicles other than travel trailers
described in II.B.6.c., whether affixed to a
permanent foundation or on wheels;

5.    Self-propelled vehicles or machines, including
their parts and equipment. However, we do
cover self-propelled vehicles or machines not
licensed for use on public roads that are:

a.    Used mainly to service the described
location, or




b.    Designed and used to assist handicapped
persons,

while the vehicles or machines are inside a
building at the described location;

6.    Land, land values, lawns, trees, shrubs, plants,
growing crops, or animals;

7.    Accounts, bills, coins, currency, deeds,
evidences of debt, medals, money, scrip, stored
value cards, postage stamps, securities, bullion,
manuscripts, or other valuable papers;

8.    Underground structures and equipment,
including wells, septic tanks, and septic
systems;

9.    Those portions of walks, walkways, decks,
driveways, patios, and other surfaces, all
whether protected by a roof or not, located
outside the perimeter, exterior walls of the
insured building;

10.   Containers, including related equipment, such
as, but not limited to, tanks containing gases or
liquids;

11.   Buildings or units and all their contents if more
than 49 percent of the actual cash value of the
building or unit is below ground, unless the
lowest level is at or above the base flood
elevation and is below


ground by reason of earth having been used as
insulation material in conjunction with energy
efficient building techniques;

12.   Fences, retaining walls, seawalls, bulkheads,
wharves, piers, bridges, and docks;

13.   Aircraft or watercraft, or their furnishings and
equipment;

14.   Hot tubs and spas that are not bathroom
fixtures, and swimming pools, and their
equipment such as, but not limited to, heaters,
filters, pumps, and pipes, wherever located;
15.   Property not eligible for flood insurance pursuant
to the provisions of the Coastal Barrier
Resources Act and the Coastal Barrier
Improvement Act of 1990 and amendments to
these acts;

16.   Personal property owned by or in the care,
custody, or control of a unit owner, except for
property of the type and under the
circumstances set forth under Coverage B -
Personal Property;

17.   A residential condominium building located in
a Regular Program community.




V.   EXCLUSIONS




A.    We only provide coverage for direct physical
loss by or from flood, which means that we do
not pay you for:

1.    Loss of revenue or profits;

2.    Loss of access to the insured property or
described location;

3.    Loss of use of the insured property or described
location;

4.    Loss from interruption of business or production;

5.    Any additional living expenses incurred while the
insured building is being repaired or is unable
to be occupied for any reason;

6.    The cost of complying with any ordinance or law
requiring or regulating the construction,
demolition, remodeling, renovation, or repair of
property, including removal of any resulting
debris. This exclusion does not apply to any
eligible activities that we describe in Coverage D
- Increased Cost of Compliance; or
7.   Any other economic loss.

B.    We do not insure a loss directly or indirectly
caused by a flood that is already in progress at
the date and time:

1.   The policy term begins; or

2.   Coverage is added at your request.

C.    We   do not insure for loss to property caused
directly   by earth movement even if the earth
movement   is caused by flood. Some examples
of earth   movement that we do not cover are:

1.   Earthquake;

2.   Landslide;

3.   Land subsidence;

4.   Sinkholes;

5.    Destabilization or movement of land that results
from accumulation of water in subsurface land
areas; or



6.   Gradual erosion.

We do, however, pay for losses from mudflow and
land subsidence as a result of erosion that are
specifically covered under our definition of flood
(see II.A.1.c. and II.A.2.).

D.    We do not insure for direct physical loss caused
directly or indirectly by:

1.   The pressure or weight of ice;

2.   Freezing or thawing;

3.   Rain, snow, sleet, hail, or water spray;

4.    Water, moisture, mildew, or mold damage that
results primarily from any condition:

a.    Substantially confined to the insured
building; or

b.    That is within your control including, but not
limited to:
(1)   Design, structural, or mechanical
defects;

(2)   Failure, stoppage, or breakage of water
or sewer lines, drains, pumps, fixtures,
or equipment; or

(3)   Failure to inspect and maintain the
property after a flood recedes;

5.   Water or waterborne material that:

a.   Backs up through sewers or drains;


b.    Discharges or overflows from a sump, sump
pump, or related equipment; or

c.    Seeps or leaks on or through insured
property;

unless there is a flood in the area and the flood
is the proximate cause of the sewer or drain
backup, sump pump discharge or overflow, or
the seepage of water;

6.    The pressure or weight of water unless there is
a flood in the area and the flood is the
proximate cause of the damage from the
pressure or weight of water;

7.    Power, heating, or cooling failure unless the
failure results from direct physical loss by or
from flood to power, heating, or cooling
equipment situated on the described location;

8.   Theft, fire, explosion, wind, or windstorm;

9.    Anything you or your agent do or conspire to do
to cause loss by flood deliberately; or

10.   Alteration of the insured property that
significantly increases the risk of flooding.

E.    We do not insure for loss to any building or
personal property located on land leased from
the Federal Government, arising from or incident
to the flooding of the land by the Federal
Government, where the lease expressly holds
the Federal Government harmless under flood
insurance issued under any Federal
Government program.
VI.    DEDUCTIBLES




A.    When a loss is covered under this policy, we
will pay only that part of the loss that exceeds
the applicable deductible amount, subject to the
limit of liability that applies. The deductible
amount is shown on the Declarations Page.

However, when a building under construction,
alteration, or repair does not have at least two
rigid exterior walls and a fully secured roof at the
time of loss, your deductible amount will be two
times the deductible that would otherwise apply
to a completed building.



B.    In each loss from flood, separate deductibles
apply to the building and personal property
insured by this policy.

C.     No deductible applies to:

1.     III.C.2. Loss Avoidance Measures; or

2.     III.D.   Increased Cost of Compliance.




VII.    GENERAL CONDITIONS




A.     Pairs and Sets

In case of loss to an article that is part of a pair or
set, we will have the option of paying you:



1.    An amount equal to the cost of replacing the
lost, damaged, or destroyed article, less
depreciation; or

2.     An amount that represents the fair proportion of
the total value of the pair or set that the lost,
damaged, or destroyed article bears to the pair
or set.


B.    Concealment or Fraud and Policy Voidance

1.    With respect to all insureds under this policy,
this policy:

a.    Is void;

b.    Has no legal force or effect;

c.    Cannot be renewed; and

d.    Cannot be replaced by a new NFIP
policy;

if, before or after a loss, you or any other insured
or your agent have at any time:

(1)   Intentionally concealed or
misrepresented any material fact or
circumstance;

(2)   Engaged in fraudulent conduct; or

(3)   Made false statements;

relating to this policy or any other NFIP
insurance.

2.    This policy will be void as of the date the
wrongful acts described in B.1. above were
committed.

3.    Fines, civil penalties, and imprisonment under
applicable Federal laws may also apply to the
acts of fraud or concealment described above.

4.    This policy is also void for reasons other than
fraud, misrepresentation, or wrongful act. This
policy is void from its inception and has no legal
force under the following conditions:

a.    If the property is located in a community that
was not participating in the NFIP on the
policy's inception date and did not join or
reenter the program during the policy term
and before the loss occurred; or

b.    If the property listed on the application is
otherwise not eligible for coverage under the
NFIP.

C.      Other Insurance

1.    If a loss covered by this policy is also covered
by other insurance that includes flood coverage
not issued under the Act, we will not pay more
than the amount of insurance that you are
entitled to for lost, damaged, or destroyed
property insured under this policy subject to the
following:

a.    We will pay only the proportion of the
loss that the amount of insurance that
applies under this policy bears to the total
amount of insurance covering the loss,
unless C.1.b. or c. immediately below
applies.



b.    If the other policy has a provision stating
that it is excess insurance, this policy will be
primary.

c.    This policy will be primary (but subject
to its own deductible) up to the deductible in
the other flood policy (except another policy
as described in C.1.b. above). When the
other deductible amount is reached, this
policy will participate in the same proportion
that the amount of insurance under this
policy bears to the total amount of both
policies, for the remainder of the loss.

2.    If this policy covers a condominium
association and there is a flood insurance
policy in the name of a unit owner that covers
the same loss as this policy, then this policy
will be primary.

D.      Amendments, Waivers, Assignment

This policy cannot be changed nor can any of its
provisions be waived without the express written
consent of the Federal Insurance Administrator. No
action that we take under the terms of this policy
can constitute a waiver of any of our rights. You may
assign this policy in writing when you transfer title of
your property to someone else, except under these
conditions:

1.      When this policy covers only personal property;
or
2.    When this policy covers a structure during the
course of construction.
E.    Cancellation of Policy by You

1.    You may cancel this policy in accordance with
the applicable rules and regulations of the NFIP.

2.    If you cancel this policy, you may be entitled to
a full or partial refund of premium also under the
applicable rules and regulations of the NFIP.

F.   Nonrenewal of the Policy by Us

Your policy will not be renewed:

1.    If the community where your covered property is
located stops participating in the NFIP; or

2.    If your building has been declared ineligible
under Section 1316 of the Act.

G.   Reduction and Reformation of Coverage

1.    If the premium we received from you was not
enough to buy the kind and amount of coverage
you requested, we will provide only the amount
of coverage that can be purchased for the
premium payment we received.


2.    The   policy can be reformed to increase the
amount of   coverage resulting from the reduction
described   in G.1. above to the amount you
requested   as follows:

a.    Discovery of insufficient premium or
incomplete rating information before a loss.

(1)   If we discover before you have a flood
loss that your premium payment was not
enough to buy the requested amount of
coverage, we will send you and any
mortgagee or trustee known to us a bill
for the required additional premium for
the current policy term (or that portion
of the current policy term following any
endorsement changing the amount of
coverage). If you or the mortgagee or
trustee pay the additional premium
within 30 days from the date of our bill,
we will reform the policy to increase the
amount of coverage to the originally
requested amount effective to the
beginning of the current policy term (or
subsequent date of any endorsement
changing the amount of coverage).

(2)   If we determine before you have a flood
loss that the rating information we have
is incomplete and prevents us from
calculating the additional premium, we
will ask you to send the required
information. You must submit the
information within 60 days of our
request. Once we determine the
amount of additional premium for the
current policy term, we will follow the
procedure in G.2.a.(1) above.

(3)   If we do not receive the additional
premium (or additional information) by
the date it is due, the amount of
coverage can only be increased by
endorsement subject to any appropriate
waiting period.

b.    Discovery of insufficient premium or
incomplete rating information after a loss.

(1)   If we discover after you have a flood
loss that your premium payment was not
enough to buy the requested amount of
coverage, we will send you and any
mortgagee or trustee known to us a bill
for the required additional premium for
the current and the prior policy terms. If
you or the mortgagee or trustee pay the
additional premium within 30 days from
the date of our bill, we will reform the
policy to increase the amount of
coverage to the originally requested
amount effective to the beginning of the
prior policy term.

(2)   If we discover after you have a flood
loss that the rating information we have
is incomplete and prevents us from
calculating the additional premium, we
will ask you to send the required
information. You must submit the
information before your claim can be
paid. Once we determine the amount of
additional premium for the current and
prior policy terms, we will follow the
procedure in G.2.b.(1) above.

(3)   If we do not receive the additional
premium by the date it is due, your flood
insurance claim will be settled based on
the reduced amount of coverage. The
amount of coverage can only be
increased by endorsement subject to
any appropriate waiting period.

3.    However, if we find that you or your agent
intentionally did not tell us, or falsified, any
important fact or circumstance or did anything
fraudulent relating to this insurance, the
provisions of Condition B. Concealment or
Fraud and Policy Voidance apply.

H.   Policy Renewal

1.    This policy will expire at 12:01 a.m. on the last
day of the policy term.

2.    We must receive the payment of the appropriate
renewal premium within 30 days of the
expiration date.

3.    If we find, however, that we did not place your
renewal notice into the U.S. Postal Service, or if
we did mail it, we made a mistake, e.g., we used
an incorrect, incomplete, or illegible address,
which delayed its delivery to you before the due
date for the renewal premium, then we will follow
these procedures:

a.    If you or your agent notified us, not later
than one year after the date on which the
payment of the renewal premium was due,
of nonreceipt of a renewal notice before the
due date for the renewal premium, and we
determine that the circumstances in the
preceding paragraph apply, we will mail a
second bill providing a revised due date,
which will be 30 days after the date on which
the bill is mailed.

b.    If we do not receive the premium requested
in the second bill by the revised due date,
then we will not renew the policy. In that
case, the policy will remain an expired
policy as of the expiration date shown on
the Declarations Page.

4.    In connection with the renewal of this policy, we
may ask you during the policy term to recertify,
on a Recertification Questionnaire that we will
provide to you, the rating information used to
rate your most recent application for or renewal
of insurance.

I.    Conditions Suspending or Restricting
Insurance

We are not liable for loss that occurs while there is a
hazard that is increased by any means within your
control or knowledge.


J.   Requirements in Case of Loss

In case of a flood loss to insured property, you
must:

1.   Give prompt written notice to us;

2.    As soon as reasonably possible, separate the
damaged and undamaged property, putting it in
the best possible order so that we may examine
it;

3.    Prepare an inventory of damaged property
showing the quantity, description, actual cash
value, and amount of loss. Attach all bills,
receipts, and related documents;

4.    Within 60 days after the loss, send us a proof of
loss, which is your statement of the amount you
are claiming under the policy signed and sworn
to by you, and which furnishes us with the
following information:

a.   The date and time of loss;

b.   A brief explanation of how the loss happened;

c.    Your interest (for example, "owner") and the
interest, if any, of others in the damaged
property;

d.    Details of any other insurance that may cover
the loss;

e.    Changes in title or occupancy of the insured
property during the term of the policy;

f.    Specifications of damaged buildings and
detailed repair estimates;

g.    Names of mortgagees or anyone else having a
lien, charge, or claim against the insured
property;
h.    Details about who occupied any insured
building at the time of loss and for what
purpose; and

i.    The inventory of damaged property described in
J.3. above.

5.    In completing the proof of loss, you must use
your own judgment concerning the amount of
loss and justify that amount.

6.    You must cooperate with the adjuster or
representative in the investigation of the claim.

7.    The insurance adjuster whom we hire to
investigate your claim may furnish you with a
proof of loss form, and she or he may help you
complete it. However, this is a matter of
courtesy only, and you must still send us a proof
of loss within 60 days after the loss even if the
adjuster does not furnish the form or help you
complete it.

8.    We have not authorized the adjuster to approve
or disapprove claims or to tell you whether we
will approve your claim.

9.    At our option, we may accept the adjuster's
report of the loss instead of your proof of loss.
The adjuster's report will include information
about your loss and the damages you sustained.
You must sign the adjuster's report. At our
option, we may require you to swear to the
report.

K.    Our Options After a Loss

Options we may, in our sole discretion, exercise
after loss include the following:

1.    At such reasonable times and places that we
may designate, you must:

a.    Show us or our representative the damaged
property;

b.    Submit to examination under oath, while not
in the presence of another insured, and sign
the same; and

c.    Permit us to examine and make extracts and
copies of:

(1)   Any policies of property insurance
insuring you against loss and the deed
establishing your ownership of the
insured real property;

(2)   Condominium association documents
including the Declarations of the
condominium, its Articles of
Association or Incorporation, Bylaws,
and rules and regulations; and

(3)   All books of accounts, bills, invoices and
other vouchers, or certified copies
pertaining to the damaged property if
the originals are lost.

2.    We may request, in writing, that you furnish us
with a complete inventory of the lost, damaged,
or destroyed property, including:

a.   Quantities and costs;

b.   Actual cash values;

c.   Amounts of loss claimed;

d.    Any written plans and specifications for
repair of the damaged property that you can
reasonably make available to us; and

e.    Evidence that prior flood damage has been
repaired.

3.    If we give you written notice within 30 days after
we receive your signed, sworn proof of loss, we
may:


a.    Repair, rebuild, or replace any part of the
lost, damaged, or destroyed property with
material or property of like kind and quality
or its functional equivalent; and

b.    Take all or any part of the damaged property
at the value we agree upon or its appraised
value.

L.   No Benefit to Bailee

No person or organization, other than you, having
custody of covered property will benefit from this
insurance.

M.   Loss Payment
1.    We will adjust all losses with you. We will pay
you unless some other person or entity is named
in the policy or is legally entitled to receive
payment. Loss will be payable 60 days after we
receive your proof of loss (or within 90 days after
the insurance adjuster files an adjuster's report
signed and sworn to by you in lieu of a proof of
loss) and:

a.   We reach an agreement with you;

b.   There is an entry of a final judgment; or

c.    There is a filing of an appraisal award with
us, as provided in VII.P.

2.    If we reject your proof of loss in whole or in part
you may:

a.   Accept such denial of your claim;

b.   Exercise your rights under this policy; or

c.    File an amended proof of loss, as long as it
is filed within 60 days of the date of the loss.

N.   Abandonment

You may not abandon damaged or undamaged
insured property to us.

O.   Salvage

We may permit you to keep damaged insured
property after a loss, and we will reduce the amount
of the loss proceeds payable to you under the
policy by the value of the salvage.

P.   Appraisal

If you and we fail to agree on the actual cash value
of the damaged property so as to determine the
amount of loss, either may demand an appraisal of
the loss. In this event, you and we will each choose
a competent and impartial appraiser within 20 days
after receiving a written request from the other. The
two appraisers will choose an umpire. If they cannot
agree upon an umpire within 15 days, you or we
may request that the choice be made by a judge of a
court of record in the State where the insured
property is


located. The appraisers will separately state the
actual cash value and the amount of loss to each
item. If the appraisers submit a written report of an
agreement to us, the amount agreed upon will be
the amount of loss. If they fail to agree, they will
submit their differences to the umpire. A decision
agreed to by any two will set the amount of actual
cash value and loss.

Each party will:

1.   Pay its own appraiser; and

2.    Bear the other expenses of the appraisal and
umpire equally.

Q.   Mortgage Clause

The word "mortgagee" includes trustee.

Any loss payable under Coverage A - Building
Property will be paid to any mortgagee of whom we
have actual notice as well as any other mortgagee
or loss payee determined to exist at the time of loss,
and you, as interests appear. If more than one
mortgagee is named, the order of payment will be
the same as the order of precedence of the
mortgages.

If we deny your claim, that denial will not apply to a
valid claim of the mortgagee, if the mortgagee:

1.    Notifies us of any change in the ownership or
occupancy, or substantial change in risk of
which the mortgagee is aware;

2.    Pays any premium due under this policy on
demand if you have neglected to pay the
premium; and

3.    Submits a signed, sworn proof of loss within 60
days after receiving notice from us of your failure
to do so.

All of the terms of this policy apply to the
mortgagee.

The mortgagee has the right to receive loss payment
even if the mortgagee has started foreclosure or
similar action on the building.

If we decide to cancel or not renew this policy, it will
continue in effect for the benefit of the mortgagee
only for 30 days after we notify the mortgagee of the
cancellation or nonrenewal.
If we pay the mortgagee for any loss and deny
payment to you, we are subrogated to all the rights
of the mortgagee granted under the mortgage on the
property. Subrogation will not impair the right of the
mortgagee to recover the full amount of the
mortgagee's claim.

R.   Suit Against Us

You may not sue us to recover money under this
policy unless you have complied with all the
requirements of the policy. If you do sue, you must
start the suit within one year of the date of the
written denial of all or part of the


claim, and you must file the suit in the United States
District Court of the district in which the insured
property was located at the time of loss. This
requirement applies to any claim that you may have
under this policy and to any dispute that you may
have arising out of the handling of any claim under
the policy.

S.   Subrogation

Whenever we make a payment for a loss under this
policy, we are subrogated to your right to recover
for that loss from any other person. That means that
your right to recover for a loss that was partly or
totally caused by someone else is automatically
transferred to us, to the extent that we have paid you
for the loss. We may require you to acknowledge
this transfer in writing. After the loss, you may not
give up our right to recover this money or do
anything that would prevent us from recovering it. If
you make any claim against any person who caused
your loss and recover any money, you must pay us
back first before you may keep any of that money.

T.   Continuous Lake Flooding

1.    If your insured building has been flooded by
rising lake waters continuously for 90 days or
more and it appears reasonably certain that a
continuation of this flooding will result in a
covered loss to the insured building equal to or
greater than the building policy limits plus the
deductible or the maximum payable under the
policy for any one building loss, we will pay
you the lesser of these two amounts without
waiting for the further damage to occur if you
sign a release agreeing:
a.   To make no further claim under this policy;

b.   Not to seek renewal of this policy;

c.    Not to apply for any flood insurance under
the Act for property at the described
location; and

d.    Not to seek a premium refund for current or
prior terms.

If the policy term ends before the insured
building has been flooded continuously for 90
days, the provisions of this paragraph T.1. will
apply when the insured building suffers a
covered loss before the policy term ends.

2.    If your insured building is subject to continuous
lake flooding from a closed basin lake, you may
elect to file a claim under either paragraph T.1.
above or this paragraph T.2. (A "closed basin
lake" is a natural lake from which water leaves
primarily through evaporation and whose surface
area now exceeds or has exceeded one square
mile at any time in the recorded past. Most of the
nation's closed basin lakes are in the western half
of the United States, where annual evaporation
exceeds annual precipitation and where lake
levels and surface areas are subject to
considerable fluctuation


due to wide variations in the climate. These lakes
may overtop their basins on rare occasions.)
Under this paragraph T.2. we will pay your claim
as if the building is a total loss even though it
has not been continuously inundated for 90 days,
subject to the following conditions:

a.    Lake flood waters must damage or
imminently threaten to damage your
building.

b.   Before approval of your claim, you must:

(1)   Agree to a claim payment that reflects
your buying back the salvage on a
negotiated basis; and

(2)   Grant the conservation easement
described in FEMA's "Policy Guidance
for Closed Basin Lakes," to be recorded
in the office of the local recorder of
deeds. FEMA, in consultation with the
community in which the property is
located, will identify on a map an area or
areas of special consideration (ASC) in
which there is a potential for flood
damage from continuous lake flooding.
FEMA will give the community the
agreed-upon map showing the ASC. This
easement will only apply to that portion of
the property in the ASC. It will allow
certain agricultural and recreational uses
of the land. The only structures that it will
allow on any portion of the property
within the ASC are certain simple
agricultural and recreational structures. If
any of these allowable structures are
insurable buildings under the NFIP and
are insured under the NFIP, they will not
be eligible for the benefits of this
paragraph T.2. If a U.S. Army Corps of
Engineers certified flood control project
or otherwise certified flood control
project later protects the property, FEMA
will, upon request, amend the ASC to
remove areas protected by those
projects. The restrictions of the easement
will then no longer apply to any portion of
the property removed from the ASC; and

(3)   Comply with paragraphs T.1.a. through
T.1.d. above.

c.    Within 90 days of approval of your claim, you
must move your building to a new location
outside the ASC. FEMA will give you an
additional 30 days to move if you show that there
is sufficient reason to extend the time.

d.    Before the final payment of your claim, you must
acquire an elevation certificate and a floodplain
development permit from the local floodplain
administrator for the new location of your
building.

e.    Before the approval of your claim, the community
having jurisdiction over your building must:


(1)   Adopt a permanent land use
ordinance, or a temporary moratorium
for a period not to exceed 6 months to
be followed immediately by a
permanent land use ordinance, that is
consistent with the provisions
specified for the easement required in
paragraph T.2.b. above;

(2)   Agree to declare and report any
violations of this ordinance to FEMA so
that under Section 1316 of the National
Flood Insurance Act of 1968, as
amended, flood insurance to the
building can be denied; and

(3)   Agree to maintain as deed-restricted, for
purposes compatible with open space or
agricultural or recreational use only, any
affected property the community acquires
an interest in. These deed restrictions
must be consistent with the provisions of
paragraph T.2.b. above, except that,
even if a certified project protects the
property, the land use restrictions
continue to apply if the property was
acquired under the Hazard Mitigation
Grant Program or the Flood Mitigation
Assistance Program. If a nonprofit land
trust organization receives the property
as a donation, that organization must
maintain the property as deed-restricted,
consistent with the provisions of
paragraph T.2.b. above.

f.    Before the approval of your claim, the affected
State must take all action set forth in FEMA's
"Policy Guidance for Closed Basin Lakes."

g.    You must have NFIP flood insurance coverage
continuously in effect from a date established by
FEMA until you file a claim under this paragraph
T.2. If a subsequent owner buys NFIP insurance
that goes into effect within 60 days of the date of
transfer of title, any gap in coverage during that
60-day period will not be a violation of this
continuous coverage requirement. For the
purpose of honoring a claim under this paragraph
T.2., we will not consider to be in effect any
increased coverage that became effective after
the date established by FEMA. The exception to
this is any increased coverage in the amount
suggested by your insurer as an inflation
adjustment.

h.    This paragraph T.2. will be in effect for a
community when the FEMA Regional Director for
the affected region provides to the community, in
writing, the following:
(1)   Confirmation that the community and the
State are in compliance with the
conditions in paragraphs T.2.e. and T.2.f.
above; and



(2)   The date by which you must have flood
insurance in effect.

U.   Duplicate Policies Not Allowed

1.    We will not insure your property under more
than one NFIP policy.

If we find that the duplication was not knowingly created,
we will give you written notice. The notice will
advise you that you may choose one of
several options under the following
procedures:

a.    If you choose to keep in effect the policy
with the earlier effective date, you may also
choose to add the coverage limits of the
later policy to the limits of the earlier policy.
The change will become effective as of the
effective date of the later policy.

b.    If you choose to keep in effect the policy
with the later effective date, you may also
choose to add the coverage limits of the
earlier policy to the limits of the later policy.
The change will be effective as of the
effective date of the later policy.

In either case, you must pay the pro rata
premium for the increased coverage limits within
30 days of the written notice. In no event will the
resulting coverage limits exceed the permissible
limits of coverage under the Act or your
insurable interest, whichever is less.

We will make a refund to you, according to
applicable NFIP rules, of the premium for the
policy not being kept in effect.

2.    The insured's option under this Condition U.
Duplicate Policies Not Allowed to elect which
NFIP policy to keep in effect does not apply
when duplicates have been knowingly created.
Losses occurring under such circumstances will
be adjusted according to the terms and
conditions of the earlier policy. The policy with
the later effective date must be canceled.
V.      Loss Settlement

We will pay the least of the following amounts after
application of the deductible:

1.    The applicable amount of insurance under this
policy;

2.      The actual cash value; or

3.    The amount it would cost to repair or replace the
property with material of like kind and quality
within a reasonable time after the loss.




VIII.    LIBERALIZATION CLAUSE




If we make a change that broadens your coverage
under this edition of our policy, but does not require
any additional premium, then that change will
automatically apply to your insurance as of the date
we implement the


change, provided that this implementation date falls
within 60 days before, or during, the policy term
stated on the Declarations Page.




IX.     WHAT LAW GOVERNS




This policy and all disputes arising from the
handling of any claim under the policy are governed
exclusively by the flood insurance regulations issued
by FEMA, the
National Flood Insurance Act of 1968, as amended
(42 U.S.C. 4001, et seq.), and Federal common law.



_________________________________________________________________________
_________________
__________

IN WITNESS WHEREOF, we have signed this policy below and hereby enter
into this Insurance Agreement.




David I. Maurstad
Acting Administrator, National Flood Insurance Program
Federal Emergency Management Agency



_________________________________________________________________________
____
________

CLAIM GUIDELINES IN CASE OF A FLOOD
_________________________________________________________________________
____
________

For the protection of you and your family, the following claim guidelines
are provided by the
National Flood Insurance Program (NFIP). If you are ever in doubt as to
what action is needed,
consult your insurance representative or call the NFIP toll-free at 1-
800-638-6620 or on the TDD
line at 1-800-447-9487.

Know your insurance representative's name and telephone number. List them
here for fast
reference:

Insurance Representative _________________________________

Representative's Phone Number   ______________________________

?     Notify us or your insurance representative, in writing, as soon as
possible after the flood.

?     If you report to your insurance representative, remind him or her
to assign the claim to an
NFIP- approved claims adjuster. The NFIP pays for the services of the
independent claims
adjuster assigned to your claim.

?     Determine the independent claims adjuster assigned to your claim
and contact him or her if
you have not been contacted within 24 hours after you reported the claim
to your insurance
representative.

?     As soon as possible, separate damaged property from undamaged
property so that damage
can be inspected and evaluated.

?     Discuss with the claims adjuster any need you may have for an
advance or partial payment
for your loss.

?     To help the claims adjuster, try to take photographs of the outside
of the premises showing
the flooding and the damage and photographs of the inside of the premises
showing the
height of the water and the damaged property.

?     Place all account books, financial records, receipts, and other
loss verification material in a
safe place for examination and evaluation by the claims adjuster.

?     Work cooperatively and promptly with the claims adjuster to
determine and document all
claim items. Be prepared to advise the claims adjuster of the cause and
responsible
party(ies), if the flooding resulted from other than natural cause.

?     Make sure that the claims adjuster fully explains, and that you
fully understand, all
allowances and procedures for processing claim payments on the basis of
your proof of loss.
This policy requires you to send us detailed proof of loss within 60 days
after the loss.

?     Any and all coverage problems and claim allowance restrictions must
be communicated
directly from the NFIP. Claims adjusters are not authorized to approve
or deny claims; their
job is to report to the NFIP on the elements of flood cause and damage.

At our option, we may accept an adjuster's report of the loss instead of
your proof of loss. The
adjuster's report will include information about your loss and the
damages to your insured
property. You must sign the adjuster's report. At our option, we may
require you to swear to the
report.
     F-123 (10/04)


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RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION POLICY

Summary of Significant Changes, December 31, 2000



1.    Section III. Property Covered, A. Coverage A
-Building Property, 3.

Additions and extensions to buildings that are
connected by a rigid exterior wall, a solid load-
bearing interior wall, a stairway, an elevated
walkway, or a roof may be insured as part of the
building. At the option of the insured, these
extensions and additions may be insured separately.
Additions and extensions that are attached to and in
contact with the building by means of a common
interior wall that is not a solid load-bearing wall are
always considered part of the building and cannot be
insured separately.

2.    Section III. Property Covered, B. Coverage B
-Personal Property, 4. Special Limits

Coverage for fine arts, collectibles, jewelry, and furs
has been increased to $ 2500.

3.    Section III. Property Covered, C. Coverage C
-Other Coverages, 2.a. & b.

Coverage for the two loss avoidance measures,
(sandbagging and relocation of property to protect it
from flood or the imminent danger of flood) has been
increased to $1,000 for each.

4.   Section IV.   Property Not Covered, 5.a. & b.

Coverage has been changed to pay for losses to
self-propelled vehicles used to service the described
location or designed to assist handicapped persons
provided that the vehicles are in a building at the
described location.

5.    Section IV.   Property Not Covered, 7.

Coverage is now specifically excluded for scrip and
stored value cards.

6.    Section IV.   Property Not Covered, 14.

Coverage for swimming pools, hot tubs, and spas
(that are not bathroom hot tubs or spas), and their
equipment is now excluded.

7.    Section V.    Exclusions, B.1 & 2.

The explanation of when coverage begins as it
relates to a loss in progress has been simplified.



8.    Section V.    Exclusions, C.

Coverage has been clarified to pay for losses from
land subsidence under certain circumstances.
Subsidence of land along a lake shore or similar
body of water which results from the erosion or
undermining of the shoreline caused by waves or
currents of water exceeding cyclical levels that result
in a flood is now covered. All other land subsidence
is excluded.

9.    Section V.    Exclusions, D.4.b.(3)

Coverage is now excluded for water, moisture,
mildew, or mold damage caused by the
policyholder's failure to inspect and maintain the
insured property after the flood waters recede.

10.   Section V.    Exclusions, D.6.

Coverage is now added for damage from the
pressure of water against the insured structure with
the requirement that there be a flood in the area and
the flood is the proximate cause of damage from the
pressure of water against the insured structure.

11.   Section V.    Exclusions, F.

An exclusion for the cost of testing for or monitoring
of pollutants unless it is required by law or ordinance
has been added.
12.   Section VIII. General Conditions, G.
Reduction and Reformation of Coverage,
2.a.(2)

If it is discovered before a claim occurs that
there is incomplete rating information, the
policyholder has 60 days to submit missing
rating information. Otherwise, the coverage can
only be increased by an endorsement that is
subject to the appropriate waiting period
(currently 30 days).

13.   Section VIII. General Conditions, V. Loss
Settlement, 3. Special Loss Settlement, b.(1)

Coverage for a manufactured or mobile home or
travel trailer eligible for replacement cost coverage is
limited to 1.5 times its actual cash value.




FEDERAL EMERGENCY MANAGEMENT AGENCY
NATIONAL FLOOD INSURANCE PROGRAM

STANDARD FLOOD INSURANCE POLICY

RESIDENTIAL CONDOMINIUM BUILDING
ASSOCIATION POLICY

PLEASE READ THE POLICY CAREFULLY. THE FLOOD INSURANCE PROVIDED IS
SUBJECT TO
LIMITATIONS, RESTRICTIONS, AND EXCLUSIONS.


THIS POLICY COVERS ONLY A RESIDENTIAL CONDOMINIUM BUILDING IN A REGULAR
PROGRAM
COMMUNITY. IF THE COMMUNITY REVERTS TO EMERGENCY PROGRAM STATUS DURING
THE POLICY
TERM AND REMAINS AN EMERGENCY PROGRAM COMMUNITY AT TIME OF RENEWAL, THIS
POLICY
CANNOT BE RENEWED.


I.   AGREEMENT




The Federal Emergency Management Agency
(FEMA) provides flood insurance under the terms of
the National Flood Insurance Act of 1968 and its
amendments, and Title 44 of the Code of Federal
Regulations (CFR).

We will pay you for direct physical loss by or from
flood to your insured property if you:

1.    Have paid the correct premium;


2.    Comply with all terms and conditions of this
policy; and

3.    Have furnished accurate information and
statements.

We have the right to review the information you give
us at any time and to revise your policy based on
our review.




II.   DEFINITIONS




A.    In this policy, "you" and "your" refer to the
insured(s) shown on the Declarations Page of
this policy. "Insured(s)" includes: Any
mortgagee and loss payee named in the
Application and Declarations Page, as well as
any other mortgagee or loss payee determined
to exist at the time of loss in the order of
precedence. "We," "us," and "our" refer to the
insurer.

Some definitions are complex because they are
provided as they appear in the law or regulations, or
result from court cases. The precise definitions are
intended to protect you.

Flood, as used in this flood insurance policy,
means:

1.    A general and temporary condition of partial or
complete inundation of two or more acres of
normally dry land area or of two or more
properties (at least one of which is your
property) from:

a.    Overflow of inland or tidal waters;
b.    Unusual and rapid accumulation or runoff of
surface waters from any source;

c.    Mudflow.
2.    Collapse or subsidence of land along the shore
of a lake or similar body of water as a result of
erosion or undermining caused by waves or
currents of water exceeding anticipated cyclical
levels that result in a flood as defined in A.1.a.
above.

B.    The following are the other key definitions that
we use in this policy:

1.    Act. The National Flood Insurance Act of 1968
and any amendments to it.

2.    Actual Cash Value. The cost to replace an
insured item of property at the time of loss, less
the value of its physical depreciation.

3.    Application. The statement made and signed
by you or your agent in applying for this policy.
The application gives information that we use
to determine the eligibility of the risk, the kind of
policy to be issued, and the correct premium
payment. The application is part of this flood
insurance policy. For us to issue you a policy,
the correct premium payment must accompany
the application.

4.    Base Flood. A flood having a one percent
chance of being equaled or exceeded in any
given year.


5.    Basement. Any area of the building, including
any sunken room or sunken portion of a room,
having its floor below ground level (subgrade) on
all sides.

6.   Building.

a.    A structure with two or more outside rigid
walls and a fully secured roof, that is affixed
to a permanent site;

b.    A manufactured home (a "manufactured
home," also known as a mobile home, is a
structure built on a permanent chassis,
transported to its site in one or more
sections, and affixed to a permanent
foundation); or
c.    A travel trailer without wheels, built on a
chassis and affixed to a permanent
foundation, that is regulated under the
community's floodplain management and
building ordinances or laws.

Building does not mean a gas or liquid storage
tank or a recreational vehicle, park trailer, or
other similar vehicle, except as described in
B.6.c. above.

7.    Cancellation. The ending of the insurance
coverage provided by this policy before the
expiration date.

8.    Condominium. That form of ownership of real
property in which each unit owner has an
undivided interest in common elements.

9.    Condominium Association. The entity made
up of the unit owners responsible for the
maintenance and operation of:

a.    Common elements owned in undivided
shares by unit owners; and

b.    Other real property in which the unit owners
have use rights;

where membership in the entity is a required
condition of unit ownership.

10.   Declarations Page. A computer-generated
summary of information you provided in the
application for insurance. The Declarations
Page also describes the term of the policy,
limits of coverage, and displays the premium
and our name. The Declarations Page is a part
of this flood insurance policy.

11.   Described Location. The location where the
insured building or personal property are found.
The described location is shown on the
Declarations Page.

12.   Direct Physical Loss By or From Flood. Loss
or damage to insured property, directly caused
by a flood. There must be evidence of physical
changes to the property.



13.   Elevated Building. A building that has no
basement and that has its lowest elevated floor
raised above ground level by foundation walls,
shear walls, posts, piers, pilings, or columns.

14.   Emergency Program. The initial phase of a
community's participation in the National Flood
Insurance Program. During this phase, only
limited amounts of insurance are available under
the Act.

15.   Expense Constant. A flat charge you must pay
on each new or renewal policy to defray the
expenses of the Federal Government related to
flood insurance.

16.   Federal Policy Fee. A flat charge you must pay
on each new or renewal policy to defray certain
administrative expenses incurred in carrying out
the National Flood Insurance Program. This
fee covers expenses not covered by the
expense constant.

17.   Improvements. Fixtures, alterations,
installations, or additions comprising a part of
the residential condominium building,
including improvements in the units.

18.   Mudflow. A river of liquid and flowing mud on
the surfaces of normally dry land areas, as when
earth is carried by a current of water. Other
earth movements, such as landslide, slope
failure, or a saturated soil mass moving by
liquidity down a slope, are not mudflows.

19.   National Flood Insurance Program (NFIP).
The program of flood insurance coverage and
floodplain management administered under the
Act and applicable Federal regulations in Title
44 of the Code of Federal Regulations,
Subchapter B.

20.   Policy. The entire written contract between you
and us. It includes:

a.   This printed form;

b.   The application and Declarations Page;

c.   Any endorsement(s) that may be issued; and

d.    Any renewal certificate indicating that coverage
has been instituted for a new policy and new
policy term.

Only one building, which you specifically
described in the application, may be insured
under this policy.

21.   Pollutants. Substances that include, but are not
limited to, any solid, liquid, gaseous, or thermal
irritant or contaminant, including smoke, vapor,
soot, fumes, acids, alkalis, chemicals, and
waste. "Waste" includes, but is not limited to,
materials to be recycled, reconditioned, or
reclaimed.


22.   Post-FIRM Building. A building for which
construction or substantial improvement
occurred after December 31, 1974, or on or after
the effective date of an initial Flood Insurance
Rate Map (FIRM), whichever is later.

23.   Probation Premium. A flat charge you must
pay on each new or renewal policy issued
covering property in a community that the NFIP
has placed on probation under the provisions of
44 CFR 59.24.

24.   Regular Program. The final phase of a
community's participation in the National Flood
Insurance Program. In this phase, a Flood
Insurance Rate Map is in effect and full limits of
coverage are available under the Act.

25.   Residential Condominium Building. A
building, owned and administered as a
condominium, containing one or more family
units and in which at least 75 percent of the
floor area is residential.

26.   Special Flood Hazard Area. An area having
special flood, or mudflow, and/or flood-related
erosion hazards, and shown on a Flood Hazard
Boundary Map or Flood Insurance Rate Map as
Zone A, AO, A1-A30, AE, A99, AH, AR, AR/A,
AR/AE, AR/AH, AR/AO, AR/A1-A30, V1-V30,
VE, or V.

27.   Unit. A single-family unit in a residential
condominium building.

28.   Valued Policy. A policy in which the insured
and the insurer agree on the value of the
property insured, that value being payable in the
event of a total loss. The Standard Flood
Insurance Policy is not a valued policy.
III.   PROPERTY COVERED




A.     COVERAGE A - BUILDING PROPERTY

We insure against direct physical loss by or from
flood to:

1.    The residential condominium building
described on the Declarations Page at the
described location, including all units within
the building and the improvements within the
units.

2.    We also insure such building property for a
period of 45 days at another location, as set
forth in III.C.2.b., Property Removed to Safety.

3.    Additions and extensions attached to and in
contact with the building by means of a rigid
exterior wall, a solid load-bearing interior wall, a
stairway, an elevated walkway, or a roof. At your
option, additions and extensions connected by
any of these methods may be separately
insured. Additions and extensions attached to
and in contact with the building by means of a
common interior wall that is not a solid load-
bearing wall are always considered part of the
building and cannot be separately insured.

4.    The following fixtures, machinery, and
equipment, which are covered under Coverage
A only:

a.    Awnings and canopies;
b.    Blinds;
c.    Carpet permanently installed over unfinished
flooring;
d.    Central air conditioners;
e.    Elevator equipment;
f.    Fire extinguishing apparatus;
g.    Fire sprinkler systems;
h.    Walk-in freezers;
i.    Furnaces;
j.    Light fixtures;


k.    Outdoor antennas and aerials fastened to
buildings;
l.    Permanently installed cupboards,
bookcases, paneling, and wallpaper;
m.    Pumps and machinery for operating pumps;
n.    Ventilating equipment;
o.    Wall mirrors, permanently installed; and
p.    In the units within the building, installed:

(1)   Built-in dishwashers;
(2)   Built-in microwave ovens;
(3)   Garbage disposal units;
(4)   Hot water heaters, including solar water
heaters;
(5)   Kitchen cabinets;
(6)   Plumbing fixtures;
(7)   Radiators;
(8)   Ranges;
(9)   Refrigerators; and
(10) Stoves.

5.    Materials and supplies to be used for
construction, alteration, or repair of the insured
building while the materials and supplies are
stored in a fully enclosed building at the
described location or on an adjacent property.

6.    A building under construction, alteration, or
repair at the described location.

a.    If the structure is not yet walled or roofed as
described in the definition for building (see
II.B.6.a.), then coverage applies:

(1)   Only while such work is in progress; or
(2)   If such work is halted, only for a period
of up to 90 continuous days thereafter.


b.    However, coverage does not apply until the
building is walled and roofed if the lowest
floor, including the basement floor, of a non-
elevated building or the lowest elevated
floor of an elevated building is:

(1)   Below the base flood elevation in
Zones AH, AE, A1-A30, AR, AR/AE,
AR/AH, AR/A1-A30, AR/A, AR/AO; or

(2)   Below the base flood elevation
adjusted to include the effect of wave
action in Zones VE or V1-V30.

The lowest floor levels are based on the
bottom of the lowest horizontal structural
member of the floor in Zones VE or V1-V30
and the top of the floor in Zones AH, AE, A1-
A30, AR, AR/AE, AR/AH, AR/A1-A30, AR/A,
AR/AO.

7.    A manufactured home or a travel trailer as
described in the Definitions section (see II.B.6.b.
and II.B.6.c.)

If the manufactured home is in a special flood
hazard area, it must be anchored in the
following manner at the time of the loss:

a.    By over-the-top or frame ties to ground
anchors; or

b.    In accordance with the manufacturer's
speci-fications; or

c.    In compliance with the community's
floodplain management requirements;

unless it has been continuously insured by the
NFIP at the same described location since
September 30, 1982.

8.    Items of property in a building enclosure below
the lowest elevated floor of an elevated post-
FIRM building located in Zones A1-A30, AE,
AH, AR, AR/A, AR/AE, AR/AH, AR/A1-A30, V1-
V30, or VE, or in a basement, regardless of the
zone. Coverage is limited to the following:

a.    Any of the following items, if installed in their
functioning locations and, if necessary for
operation, connected to a power source:

(1)   Central air conditioners;
(2)   Cisterns and the water in them;
(3)   Drywall for walls and ceilings in a
basement and the cost of labor to nail
it, unfinished and unfloated and not
taped, to the framing;
(4)   Electrical junction and circuit
breaker boxes;
(5)   Electrical outlets and switches;
(6)   Elevators, dumbwaiters and related
equip-ment, except for related
equipment installed below the base
flood elevation after September 30,
1987;
(7)   Fuel tanks and the fuel in them;


(8)   Furnaces and hot water heaters;
(9)   Heat pumps;
(10) Nonflammable insulation in a
basement;
(11) Pumps and tanks used in solar energy
systems;
(12) Stairways and staircases attached to the
building, not separated from it by
elevated walkways;
(13) Sump pumps;
(14) Water softeners and the chemicals in
them, water filters, and faucets installed
as an integral part of the plumbing
system;
(15) Well water tanks and pumps;
(16) Required utility connections for any item
in this list; and
(17) Footings, foundations, posts, pilings,
piers, or other foundation walls and
anchorage systems required to support
a building.

b.   Clean-up.

B.   COVERAGE B - PERSONAL PROPERTY

1.    If you have purchased personal property
coverage, we insure, subject to B.2. and B.3.
below, against direct physical loss by or from
flood to personal property that is inside the fully
enclosed insured building and is:

a.    Owned by the unit owners of the
condominium association in common,
meaning property in which each unit owner
has an undivided ownership interest; or

b.    Owned solely by the condominium
association and used exclusively in the
conduct of the business affairs of the
condominium association.

We also insure such personal property for 45
days while stored at a temporary location, as set
forth in III.C.2.b., Property Removed to Safety.

2.    Coverage for personal property includes the
following property, subject to paragraph B.1.
above, which is covered under Coverage B only:

a.    Air conditioning units, portable or window
type;
b.    Carpet, not permanently installed, over
unfinished flooring;
c.    Carpets over finished flooring;
d.    Clothes washers and dryers;
e.    "Cook-out" grills;
f.    Food freezers, other than walk-in, and food
in any freezer;
g.    Outdoor equipment and furniture stored
inside the insured building;
h.    Ovens and the like; and
i.    Portable microwave ovens and portable
dishwashers.


3.    Coverage for items of property in a building
enclosure lower than the lowest elevated floor of
an elevated post-FIRM building located in
Zones A1-A30, AE, AH, AR, AR/A, AR/AE,
AR/AH, AR/A1-A30, V1-V30, or VE, or in a
basement, regardless of the zone, is limited to
the following items, if installed in their
functioning locations and, if necessary for
operation, connected to a power source:

a.    Air conditioning units, portable or window
type;
b.    Clothes washers and dryers; and
c.    Food freezers, other than walk-in, and food
in any freezer.

4.    Special Limits. We will pay no more than
$2,500 for any one loss to one or more of the
following kinds of personal property:

a.    Artwork, photographs, collectibles, or
memorabilia, including but not limited to,
porcelain or other figures, and sports cards;

b.   Rare books or autographed items;

c.    Jewelry, watches, precious and
semiprecious stones, or articles of gold,
silver, or platinum; or

d.    Furs or any article containing fur which
represents its principal value.

5.    We will pay only for the functional value of
antiques.

C.   COVERAGE C - OTHER COVERAGES

1.   Debris Removal

a.    We will pay the expense to remove non-
owned debris on or in insured property and
owned debris anywhere.
b.    If you or a member of your household
perform the removal work, the value of your
work will be based on the Federal minimum
wage.

c.    This coverage does not increase the
Coverage A or Coverage B limit of liability.

2.      Loss Avoidance Measures

a.      Sandbags, Supplies, and Labor

(1)   We will pay up to $1,000 for the costs
you incur to protect the insured building
from a flood or imminent danger of
flood, for the following:

(a)     Your reasonable expenses to buy:

(i)   Sandbags, including sand to fill
them;



(ii)    Fill for temporary levees;

(iii) Pumps; and

(iv) Plastic sheeting and lumber
used in connection with these
items; and

(b)   The value of work, at the Federal
minimum wage, that you perform.

(2)   This coverage for Sandbags, Supplies,
and Labor applies only if damage to
insured property by or from flood is
imminent and the threat of flood
damage is apparent enough to lead a
person of common prudence to
anticipate flood damage. One of the
following must also occur:

(a)   A general and temporary condition
of flooding in the area near the
described location must occur,
even if the flood does not reach the
insured building; or

(b)     A legally authorized official must
issue   an evacuation order or other
civil   order for the community in
which   the insured building is
located calling for measures to
preserve life and property from the
peril of flood.

This coverage does not increase the
Coverage A or Coverage B limit of liability.

b.   Property Removed to Safety

(1)   We will pay up to $1,000 for the reasonable
expenses you incur to move insured
property to a place other than the
described location that contains the
property in order to protect it from flood
or the imminent danger of flood.

Reasonable expenses include the value
of work, at the Federal minimum wage,
that you perform.

(2)   If you move insured property to a
location other than the described
location that contains the property, in
order to protect it from flood or the
imminent danger of flood, we will cover
such property while at that location for a
period of 45 consecutive days from the
date you begin to move it there. The
personal property that is moved must be
placed in a fully enclosed building or
otherwise reasonably protected from the
elements.


Any property removed, including a moveable
home described in Definition 6. Building,
paragraphs b. and c., must be placed above
ground level or outside of the special flood
hazard area.

This coverage does not increase the
Coverage A or Coverage B limit of liability.

D.    COVERAGE D - INCREASED COST OF
COMPLIANCE

1.   General

This policy pays you to comply with a State or
local floodplain management law or ordinance
affecting repair or reconstruction of a structure
suffering flood damage. Compliance activities
eligible for payment are: elevation, floodproofing,
relocation, or demolition (or any combination of
these activities) of your structure. Eligible
floodproofing activities are limited to:

a.   Nonresidential structures.

b.    Residential structures with basements that
satisfy FEMA's standards published in the
Code of Federal Regulations [44 CFR
60.6 (b) or (c)].

2.   Limit of Liability

We will pay you up to $30,000 under this
Coverage D - Increased Cost of Compliance,
which only applies to policies with building
coverage (Coverage A). Our payment of claims
under Coverage D is in addition to the amount of
coverage which you selected on the application
and which appears on the Declarations Page.
But the maximum you can collect under this
policy for both Coverage A - Building Property
and Coverage D - Increased Cost of Compliance
cannot exceed the maximum permitted under
the Act. We do not charge a separate deductible
for a claim under Coverage D.

3.   Eligibility

a.    A structure covered under Coverage A -
Building Property sustaining a loss caused by
a flood as defined by this policy must:

(1)   Be a "repetitive loss structure." A
repetitive loss structure is one that
meets the following conditions:

(a)   The structure is covered by a
contract of flood insurance issued
under the NFIP.

(b)   The structure has suffered flood
damage on two occasions during a
10-year period which ends on the
date of the second loss.

(c)   The cost to repair the flood
damage, on average, equaled or
exceeded 25 percent of the market
value of the structure at the time of
each flood loss.

(d)   In addition to the current claim, the
NFIP must have paid the previous
qualifying claim, and the State or
community must have a cumulative,
substantial damage provision or
repetitive loss provision in its
floodplain management law or
ordinance being enforced against
the structure; or

(2)   Be a structure that has had flood
damage in which the cost to repair
equals or exceeds 50 percent of the
market value of the structure at the time
of the flood. The State or community
must have a substantial damage
provision in its floodplain management
law or ordinance being enforced against
the structure.

b.    This Coverage D pays you to comply with
State or local floodplain management laws
or ordinances that meet the minimum
standards of the National Flood Insurance
Program found in the Code of Federal
Regulations at 44 CFR 60.3. We pay for
compliance activities that exceed those
standards under these conditions:

(1)   3.a.(1) above.

(2)   Elevation or floodproofing in any risk
zone to preliminary or advisory base
flood elevations provided by FEMA
which the State or local government has
adopted and is enforcing for flood-
damaged structures in such areas. (This
includes compliance activities in B, C, X,
or D zones which are being changed to
zones with base flood elevations. This
also includes compliance activities in
zones where base flood elevations are
being increased, and a flood-damaged
structure must comply with the higher
advisory base flood elevation.)
Increased Cost of Compliance coverage
does not apply to situations in B, C, X,
or D zones where the community has
derived its own elevations and is
enforcing elevation or floodproofing
requirements for flood-damaged
structures to elevations derived solely
by the community.

(3)   Elevation or floodproofing above the
base flood elevation to meet State or
local "freeboard" requirements, i.e., that
a structure must be elevated above the
base flood elevation.


c.    Under the minimum NFIP criteria at 44 CFR
60.3 (b)(4), States and communities must
require the elevation or floodproofing of
structures in unnumbered A zones to the
base flood elevation where elevation data is
obtained from a Federal, State, or other
source. Such compliance activities are also
eligible for Coverage D.

d.    This coverage will also pay for the
incremental cost, after demolition or
relocation, of elevating or floodproofing a
structure during its rebuilding at the same or
another site to meet State or local floodplain
management laws or ordinances, subject to
Exclusion D.5.g. below.

e.    This coverage will also pay to bring a flood-
damaged structure into compliance with
State or local floodplain management laws
or ordinances even if the structure had
received a variance before the present loss
from the applicable floodplain management
requirements.

4.   Conditions

a.    When a structure covered under
Coverage A - Building Property sustains
a loss caused by a flood, our payment for
the loss under this Coverage D will be for
the increased cost to elevate, floodproof,
relocate, or demolish (or any
combination of these activities) caused
by the enforcement of current State or
local floodplain management ordinances
or laws. Our payment for eligible
demolition activities will be for the cost
to demolish and clear the site of the
building debris or a portion thereof
caused by the enforcement of current
State or local floodplain management
ordinances or laws. Eligible activities for
the cost of clearing the site will include
those necessary to discontinue utility
service to the site and ensure proper
abandonment of on-site utilities.

b.    When the building is repaired or rebuilt, it
must be intended for the same
occupancy as the present building
unless otherwise required by current
floodplain management ordinances or
laws.

5.   Exclusions

Under this Coverage D - Increased Cost of
Compliance we will not pay for:

a.    The cost to comply with any floodplain
management law or ordinance in
communities participating in the
Emergency Program.

b.    The cost associated with enforcement of
any ordinance or law that requires any
insured or others to test for, monitor,
clean up, remove, contain, treat, detoxify
or neutralize, or in any way respond to,
or assess the effects of pollutants.



c.    The loss in value to any insured building
or other structure due to the
requirements of any ordinance or law.

d.    The loss in residual value of the
undamaged portion of a building
demolished as a consequence of
enforcement of any State or local
floodplain management law or ordinance.

e.    Any Increased Cost of Compliance under
this Coverage D:

(1)   Until the building is elevated,
floodproofed, demolished, or
relocated on the same or to another
premises; and

(2)   Unless the building is elevated,
floodproofed, demolished, or
relocated as soon as reasonably
possible after the loss, not to exceed
2 years.

f.    Any code upgrade requirements, e.g.,
plumbing or electrical wiring, not
specifically related to the State or local
floodplain management law or ordinance.

g.   Any compliance activities needed to
bring additions or improvements made
after the loss occurred into compliance
with State or local floodplain
management laws or ordinances.

h.    Loss due to any ordinance or law that
you were required to comply with before
the current loss.

i.    Any rebuilding activity to standards that
do not meet the NFIP's minimum
requirements. This includes any situation
where the insured has received from the
State or community a variance in
connection with the current flood loss to
rebuild the property to an elevation
below the base flood elevation.

j.    Increased Cost of Compliance for a garage
or carport.

k.    Any structure insured under an NFIP Group
Flood Insurance Policy.

l.    Assessments made by a condominium
association on individual condominium unit
owners to pay increased costs of
repairing commonly owned buildings after
a flood in compliance with State or local
floodplain management ordinances or
laws.

6.    Other Provisions

a.    Increased Cost of Compliance coverage
will not be included in the calculation
to determine whether coverage meets
the coinsurance


requirement for replacement cost
coverage under VIII. General Conditions,
V. Loss Settlement.

b.    All other conditions and provisions of the
policy apply.




DD.   IV.   PROPERTY NOT COVERED
We do not cover any of the following property:

1.    Personal property not inside the fully enclosed
building;

2.    A building, and personal property in it, located
entirely in, on, or over water or seaward of mean
high tide, if constructed or substantially
improved after September 30, 1982;

3.    Open structures, including a building used as a
boathouse or any structure or building into
which boats are floated, and personal property
located in, on, or over water;

4.    Recreational vehicles other than travel trailers
described in II.B.6.c., whether affixed to a
permanent foundation or on wheels;

5.    Self-propelled vehicles or machines, including
their parts and equipment. However, we do
cover self-propelled vehicles or machines not
licensed for use on public roads that are:

a.    Used mainly to service the described
location, or

b.    Designed and used to assist handicapped
persons,

while the vehicles or machines are inside a
building at the described location;

6.    Land, land values, lawns, trees, shrubs, plants,
growing crops, or animals;

7.    Accounts, bills, coins, currency, deeds,
evidences of debt, medals, money, scrip, stored
value cards,


postage stamps, securities, bullion, manuscripts,
or other valuable papers;

8.    Underground structures and equipment,
including wells, septic tanks, and septic
systems;

9.    Those portions of walks, walkways, decks,
driveways, patios, and other surfaces, all
whether protected by a roof or not, located
outside the perimeter, exterior walls of the
insured building;
10.   Containers, including related equipment, such
as, but not limited to, tanks containing gases or
liquids;

11.   Buildings and all their contents if more than 49
percent of the actual cash value of the
building is below ground, unless the lowest
level is at or above the base flood elevation and
is below ground by reason of earth having been
used as insulation material in conjunction with
energy efficient building techniques;

12.   Fences, retaining walls, seawalls, bulkheads,
wharves, piers, bridges, and docks;

13.   Aircraft or watercraft, or their furnishings and
equipment;

14.   Hot tubs and spas that are not bathroom
fixtures, and swimming pools, and their
equipment such as, but not limited to, heaters,
filters, pumps, and pipes, wherever located;

15.   Property not eligible for flood insurance pursuant
to the provisions of the Coastal Barrier
Resources Act and the Coastal Barrier
Improvement Act of 1990 and amendments to
these acts;

16.   Personal property used in connection with any
incidental commercial occupancy or use of the
building.




EE.   V.   EXCLUSIONS




A.    We only pay for direct physical loss by or
from flood, which means that we do not pay
you for:

1.    Loss of revenue or profits;

2.    Loss of access to the insured property or
described location;


3.    Loss of use of the insured property or described
location;
4.   Loss from interruption of business or production;

5.    Any additional living expenses incurred while the
insured building is being repaired or is unable
to be occupied for any reason;


6.    The cost of complying with any ordinance or law
requiring or regulating the construction,
demolition, remodeling, renovation, or repair of
property, including removal of any resulting
debris. This exclusion does not apply to any
eligible activities that we describe in Coverage D
- Increased Cost of Compliance; or

7.   Any other economic loss.

B.    We do not insure a loss directly or indirectly
caused by a flood that is already in progress at
the time and date:

1.   The policy term begins; or

2.   Coverage is added at your request.

C.    We   do not insure for loss to property caused
directly   by earth movement even if the earth
movement   is caused by flood. Some examples
of earth   movement that we do not cover are:

1.   Earthquake;

2.   Landslide;

3.   Land subsidence;

4.   Sinkholes;

5.    Destabilization or movement of land that results
from accumulation of water in subsurface land
areas; or

6.   Gradual erosion.

We do, however, pay for losses from mudflow and
land subsidence as a result of erosion that are
specifically covered under our definition of flood
(see II.A.1.c. and II.A.2.).

D.    We do not insure for direct physical loss caused
directly or indirectly by:

1.   The pressure or weight of ice;
2.   Freezing or thawing;

3.   Rain, snow, sleet, hail, or water spray;

4.    Water, moisture, mildew, or mold damage that
results primarily from any condition:

a.    Substantially confined to the insured
building; or


b.    That is within your control including, but not
limited to:

(1)   Design, structural, or mechanical
defects;

(2)   Failure, stoppage, or breakage of water or
sewer lines, drains, pumps, fixtures, or
equipment; or

(3)   Failure to inspect and maintain the
property after a flood recedes;

5.   Water or waterborne material that:

a.   Backs up through sewers or drains;

b.    Discharges or overflows from a sump, sump
pump, or related equipment; or

c.    Seeps or leaks on or through insured
property;

unless there is a flood in the area and the flood
is the proximate cause of the sewer or drain
backup, sump pump discharge or overflow, or
the seepage of water;

6.    The pressure or weight of water unless there is
a flood in the area and the flood is the
proximate cause of the damage from the
pressure or weight of water;

7.    Power, heating, or cooling failure unless the
failure results from direct physical loss by or
from flood to power, heating, or cooling
equipment situated on the described location;

8.   Theft, fire, explosion, wind, or windstorm;

9.    Anything you or your agents do or conspire to do
to cause loss by flood deliberately; or
10.   Alteration of the insured property that
significantly increases the risk of flooding.

E.    We do not insure for loss to any building or
personal property located on land leased from
the Federal Government, arising from or incident
to the flooding of the land by the Federal
Government, where the lease expressly holds
the Federal Government harmless under flood
insurance issued under any Federal
Government program.

F.    We do not pay for the testing for or monitoring of
pollutants unless required by law or ordinance.




FF.   VI.   DEDUCTIBLES




A.    When a loss is covered under this policy, we
will pay only that part of the loss that exceeds
the applicable deductible amount, subject to the
limit of insurance that applies. The deductible
amount is shown on the Declarations Page.



However, when a building under construction,
alteration, or repair does not have at least two
rigid exterior walls and a fully secured roof at the
time of loss, your deductible amount will be two
times the deductible that would otherwise apply
to a completed building.


B.    In each loss from flood, separate
deductibles apply to the building
and personal property insured by
this policy.



C.    No deductible applies to:

1.    III.C.2.   Loss Avoidance Measures; or

2.    III.D.   Increased Cost of Compliance.
VII.   COINSURANCE




A.    This Coinsurance section applies only to
coverage on the building.

B.    We will impose a penalty on loss payment
unless the amount of insurance applicable to the
damaged building is:

1.     At least 80 percent of its replacement cost; or

2.    The maximum amount of insurance available for
that building under the NFIP,

whichever is less.

C.    If the actual amount of insurance on the
building is less than the required amount in
accordance with the terms of VII.B. above, then
loss payment is determined as follows (subject
to all other relevant conditions in this policy,
including those pertaining to valuation,
adjustment, settlement, and payment of loss):

1.    Divide the actual amount of insurance carried on
the building by the required amount of
insurance.

2.    Multiply the amount of loss, before application of
the deductible, by the figure determined in C.1.
above.

3.    Subtract the deductible from the figure
determined in C.2. above.

We will pay the amount determined in C.3. above, or
the amount of insurance carried, whichever is less.
The amount of insurance carried, if in excess of the
applicable maximum amount of insurance available
under the NFIP, is reduced accordingly.

Examples

Example #1 (Inadequate Insurance)

Replacement value of the building $250,000
Required amount of insurance $200,000
(80% of replacement value of $250,000)
Actual amount of insurance carried $180,000
Amount of the loss       $150,000
Deductible $500



Step 1:     180,000 ? 200,000 = .90
      (90% of what should be carried)
Step 2:     150,000 X .90 = 135,000

Step 3:      135,000 - 500 = 134,500

We will pay no more than $134,500. The remaining
$15,500 is not covered due to the coinsurance
penalty ($15,000) and application of the deductible
($500).

Example #2 (Adequate Insurance)

Replacement value of the building $500,000
Required amount of insurance $400,000
(80% of replacement value of $500,000)
Actual amount of insurance carried $400,000
Amount of the loss     $200,000
Deductible $500

In this example there is no coinsurance penalty,
because the actual amount of insurance carried
meets the required amount. We will pay no more
than $199,500 ($200,000 amount of loss minus the
$500 deductible).

D.    In calculating the full replacement cost of a
building:

1.    The replacement cost value of any covered
building property will be included;

2.    The replacement cost value of any building
property not covered under this policy will not
be included; and

3.    Only the replacement cost value of
improvements installed by the condominium
association will be included.




VIII.     GENERAL CONDITIONS
A.    Pairs and Sets

In case of loss to an article that is part of a pair or
set, we will have the option of paying you:

1.    An amount equal to the cost of replacing the
lost, damaged, or destroyed article, less
depreciation; or

2.    An amount that represents the fair proportion of
the total value of the pair or set that the lost,
damaged, or destroyed article bears to the pair
or set.

B.    Concealment or Fraud and Policy Voidance

1.    With respect to all insureds under this policy,
this policy:

a.    Is void;

b.    Has no legal force or effect;

c.    Cannot be renewed; and

d.    Cannot be replaced by a new NFIP policy;

if, before or after a loss, you or any other insured
or your agent have at any time:

(1)   Intentionally concealed or
misrepresented any material fact or
circumstance;

(2)   Engaged in fraudulent conduct; or

(3)   Made false statements;

relating to this policy or any other NFIP
insurance.

2.    This policy will be void as of the date the
wrongful acts described in B.1. above were
committed.

3.    Fines, civil penalties, and imprisonment under
applicable Federal laws may also apply to the
acts of fraud or concealment described above.

4.    This policy is also void for reasons other than
fraud, misrepresentation, or wrongful act. This
policy is void from its inception and has no legal
force under the following conditions:

a.    If the property is located in a community that
was not participating in the NFIP on the
policy's inception date and did not join or
reenter the program during the policy term
and before the loss occurred; or

b.    If the property listed on the application is
otherwise not eligible for coverage under the
NFIP.

C.   Other Insurance

1.    If a loss covered by this policy is also covered
by other insurance that includes flood coverage
not issued under the Act, we will not pay more
than the amount of insurance that you are
entitled to for lost, damaged, or destroyed
property insured under this policy subject to the
following:

a.    We will pay only the proportion of the
loss that the amount of insurance that
applies under this policy bears to the total
amount of insurance covering the loss,
unless C.1.b. or c. immediately below
applies.

b.    If the other policy has a provision stating it is
excess insurance, this policy will be
primary.

c.    This policy will be primary (but subject to its
own deductible) up to the deductible in the
other flood policy (except another policy as
described in C.1.b. above). When the other
deductible amount is reached, this policy
will participate in the same proportion that
the amount of insurance under this policy
bears to the total amount of both policies, for
the remainder of the loss.

2.    If there is a flood insurance policy in the name of
a unit owner that covers the same loss as this
policy, then this policy will be primary.

D.   Amendments, Waivers, Assignment

This policy cannot be changed nor can any of its
provisions be waived without the express written
consent of the Federal Insurance Administrator. No
action that we take under the terms of this policy
constitutes a waiver of any of our rights. You may
assign this policy in writing when you transfer title of
your property to someone else, except under these
conditions:

1.   When this policy covers only personal property;
or

2.    When this policy covers a structure during the
course of construction.

E.   Cancellation of Policy by You

1.    You may cancel this policy in accordance with
the applicable rules and regulations of the NFIP.

2.    If you cancel this policy, you may be entitled to
a full or partial refund of premium also under the
applicable rules and regulations of the NFIP.


F.   Nonrenewal of the Policy by Us

Your policy will not be renewed:

1.    If the community where your covered property is
located stops participating in the NFIP; or

2.    If your building has been declared ineligible
under Section 1316 of the Act.

G.   Reduction and Reformation of Coverage

1.    If the premium we received from you was not
enough to buy the kind and amount of coverage
you requested, we will provide only the amount
of coverage that can be purchased for the
premium payment we received.

2.    The   policy can be reformed to increase the
amount of   coverage resulting from the reduction
described   in G.1. above to the amount you
requested   as follows:

a.    Discovery of insufficient premium or incomplete
rating information before a loss.

(1)   If we discover before you have a flood
loss that your premium payment was not
enough to buy the requested amount of
coverage, we will send you and any
mortgagee or trustee known to us a bill
for the required additional premium for
the current policy term (or that portion
of the current policy term following any
endorsement changing the amount of
coverage). If you or the mortgagee or
trustee pay the additional premium
within 30 days from the date of our bill,
we will reform the policy to increase the
amount of coverage to the originally
requested amount effective to the
beginning of the current policy term (or
subsequent date of any endorsement
changing the amount of coverage).

(2)   If we determine before you have a flood
loss that the rating information we have
is incomplete and prevents us from
calculating the additional premium, we
will ask you to send the required
information. You must submit the
information within 60 days of our
request. Once we determine the amount
of additional premium for the current
policy term, we will follow the procedure
in G.2.a.(1) above.

(3)   If we do not receive the additional
premium (or additional information) by
the date it is due, the amount of
coverage can only be increased by
endorsement subject to any appropriate
waiting period.

b.    Discovery of insufficient premium or
incomplete rating information after a loss.
(1)   If we discover after you have a flood
loss that your premium payment was not
enough to buy the requested amount of
coverage, we will send you and any
mortgagee or trustee known to us a bill
for the required additional premium for
the current and the prior policy terms. If
you or the mortgagee or trustee pay the
additional premium within 30 days from
the date of our bill, we will reform the
policy to increase the amount of
coverage to the originally requested
amount effective to the beginning of the
prior policy term.

(2)   If we discover after you have a flood
loss that the rating information we have
is incomplete and prevents us from
calculating the additional premium, we
will ask you to send the required
information. You must submit the
information before your claim can be
paid. Once we determine the amount of
additional premium for the current and
prior policy terms, we will follow the
procedure in G.2.b.(1) above.

(3)   If we do not receive the additional
premium by the date it is due, your flood
insurance claim will be settled based on
the reduced amount of coverage. The
amount of coverage can only be
increased by endorsement subject to
any appropriate waiting period.

3.    However, if we find that you or your agent
intentionally did not tell us, or falsified, any
important fact or circumstance or did anything
fraudulent relating to this insurance, the
provisions of Condition B. Concealment or
Fraud and Policy Voidance apply.

H.   Policy Renewal

1.    This policy will expire at 12:01 a.m. on the last
day of the policy term.

2.    We must receive the payment of the appropriate
renewal premium within 30 days of the
expiration date.

3.    If we find, however, that we did not place your
renewal notice into the U.S. Postal Service, or if
we did mail it, we made a mistake, e.g., we used
an incorrect, incomplete, or illegible address,
which delayed its delivery to you before the due
date for the renewal premium, then we will follow
these procedures:

a.    If you or your agent notified us, not later
than 1 year after the date on which the
payment of the renewal premium was due,
of nonreceipt of a renewal notice before the
due date for the renewal premium, and we
determine that the circumstances in the
preceding paragraph apply, we will mail a
second bill providing a revised due


date, which will be 30 days after the date on
which the bill is mailed.

b.    If we do not receive the premium requested
in the second bill by the revised due date,
then we will not renew the policy. In that
case, the policy will remain an expired
policy as of the expiration date shown on
the Declarations Page.

4.    In connection with the renewal of this policy, we
may ask you during the policy term to recertify,
on a Recertification Questionnaire that we will
provide you, the rating information used to rate
your most recent application for or renewal of
insurance.

I.    Conditions Suspending or Restricting
Insurance

We are not liable for loss that occurs while there is a
hazard that is increased by any means within your
control or knowledge.

J.   Requirements in Case of Loss

In case of a flood loss to insured property, you
must:

1.   Give prompt written notice to us;

2.    As soon as reasonably possible, separate the
damaged and undamaged property, putting it in
the best possible order so that we may examine
it;

3.    Prepare an inventory of damaged personal
property showing the quantity, description,
actual cash value, and amount of loss. Attach
all bills, receipts, and related documents;

4.    Within 60 days after the loss, send us a proof of
loss, which is your statement of the amount you
are claiming under the policy signed and sworn
to by you, and which furnishes us with the
following information:

a.   The date and time of loss;

b.    A brief explanation of how the loss
happened;

c.    Your interest (for example, "owner") and the
interest, if any, of others in the damaged
property;

d.    Details of any other insurance that may
cover the loss;

e.    Changes in title or occupancy of the insured
property during the term of the policy;
f.    Specifications of damaged insured
buildings and detailed repair estimates;

g.    Names of mortgagees or anyone else
having a lien, charge, or claim against the
insured property;

h.    Details about who occupied any insured
building at the time of loss and for what
purpose; and

i.    The inventory of damaged personal property
described in J.3. above.

5.    In completing the proof of loss, you must use
your own judgment concerning the amount of
loss and justify that amount.

6.    You must cooperate with the adjuster or
representative in the investigation of the claim.

7.    The insurance adjuster whom we hire to
investigate your claim may furnish you with a
proof of loss form, and she or he may help you
complete it. However, this is a matter of
courtesy only, and you must still send us a proof
of loss within 60 days after the loss even if the
adjuster does not furnish the form or help you
complete it.

8.    We have not authorized the adjuster to approve
or disapprove claims or to tell you whether we
will approve your claim.

9.    At our option, we may accept the adjuster's
report of the loss instead of your proof of loss.
The adjuster's report will include information
about your loss and the damages you sustained.
You must sign the adjuster's report. At our
option, we may require you to swear to the
report.

K.   Our Options After a Loss

Options that we may, in our sole discretion, exercise
after loss include the following:

1.    At such reasonable times and places that we
may designate, you must:

a.    Show us or our representative the damaged
property;
b.    Submit to examination under oath, while not
in the presence of another insured, and sign
the same; and

c.    Permit us to examine and make extracts and
copies of:

(1)   Any policies of property insurance
insuring you against loss and the deed
establishing your ownership of the
insured real property;

(2)   Condominium association documents
including the Declarations of the
condominium, its Articles of
Association or Incorporation, Bylaws,
and rules and regulations; and
(3)   All books of accounts, bills, invoices and
other vouchers, or certified copies
pertaining


to the damaged property if the originals
are lost.

2.    We may request, in writing, that you furnish us
with a complete inventory of the lost, damaged,
or destroyed property, including:

a.   Quantities and costs;

b.    Actual cash values or replacement cost
(whichever is appropriate);

c.   Amounts of loss claimed;

d.    Any written plans and specifications for
repair of the damaged property that you can
reasonably make available to us; and

e.    Evidence that prior flood damage has been
repaired.

3.    If we give you written notice within 30 days after
we receive your signed, sworn proof of loss, we
may:

a.    Repair, rebuild, or replace any part of the
lost, damaged, or destroyed property with
material or property of like kind and quality
or its functional equivalent; and

b.    Take all or any part of the damaged property
at the value we agree upon or its appraised
value.

L.   No Benefit to Bailee

No person or organization, other than you, having
custody of covered property will benefit from this
insurance.

M.   Loss Payment

1.    We will adjust all losses with you. We will pay
you unless some other person or entity is named
in the policy or is legally entitled to receive
payment. Loss will be payable 60 days after we
receive your proof of loss (or within 90 days after
the insurance adjuster files an adjuster's report
signed and sworn to by you in lieu of a proof of
loss) and:

a.   We reach an agreement with you;

b.   There is an entry of a final judgment; or

c.    There is a filing of an appraisal award with
us, as provided in VIII.P.

2.    If we reject your proof of loss in whole or in part
you may:

a.   Accept such denial of your claim;

b.   Exercise your rights under this policy; or



c.    File an amended proof of loss, as long as it
is filed within 60 days of the date of the loss.

N.   Abandonment

You may not abandon damaged or undamaged
insured property to us.

O.   Salvage

We may permit you to keep damaged insured
property after a loss, and we will reduce the amount
of the loss proceeds payable to you under the
policy by the value of the salvage.

P.   Appraisal

If you and we fail to agree on the actual cash value
or, if applicable, replacement cost of the damaged
property so as to determine the amount of loss, then
either may demand an appraisal of the loss. In this
event, you and we will each choose a competent
and impartial appraiser within 20 days after receiving
a written request from the other. The two appraisers
will choose an umpire. If they cannot agree upon an
umpire within 15 days, you or we may request that
the choice be made by a judge of a court of record in
the State where the insured property is located. The
appraisers will separately state the actual cash
value, the replacement cost, and the amount of loss
to each item. If the appraisers submit a written report
of an agreement to us, the amount agreed upon will
be the amount of loss. If they fail to agree, they will
submit their differences to the umpire. A decision
agreed to by any two will set the amount of actual
cash value and loss, or if it applies, the replacement
cost and loss.

Each party will:

1.   Pay its own appraiser; and

2.    Bear the other expenses of the appraisal and
umpire equally.

Q.   Mortgage Clause

The word "mortgagee" includes trustee.

Any loss payable under Coverage A - Building will
be paid to any mortgagee of whom we have actual
notice as well as any other mortgagee or loss payee
determined to exist at the time of loss, and you, as
interests appear. If more than one mortgagee is
named, the order of payment will be the same as the
order of precedence of the mortgages.

If we deny your claim, that denial will not apply to a
valid claim of the mortgagee, if the mortgagee:

1.    Notifies us of any change in the ownership or
occupancy, or substantial change in risk of
which the mortgagee is aware;


2.    Pays any premium due under this policy on
demand if you have neglected to pay the
premium; and

3.    Submits a signed, sworn proof of loss within 60
days after receiving notice from us of your failure
to do so.
All of the terms of this policy apply to the
mortgagee.

The mortgagee has the right to receive loss payment
even if the mortgagee has started foreclosure or
similar action on the building.

If we decide to cancel or not renew this policy, it will
continue in effect for the benefit of the mortgagee
only for 30 days after we notify the mortgagee of the
cancellation or nonrenewal.

If we pay the mortgagee for any loss and deny
payment to you, we are subrogated to all the rights
of the mortgagee granted under the mortgage on the
property. Subrogation will not impair the right of the
mortgagee to recover the full amount of the
mortgagee's claim.

R.   Suit Against Us

You may not sue us to recover money under this
policy unless you have complied with all the
requirements of the policy. If you do sue, you must
start the suit within 1 year after the date of the
written denial of all or part of the claim, and you
must file the suit in the United States District Court of
the district in which the insured property was located
at the time of loss. This requirement applies to any
claim that you may have under this policy and to
any dispute that you may have arising out of the
handling of any claim under the policy.

S.   Subrogation

Whenever we make a payment for a loss under this
policy, we are subrogated to your right to recover
for that loss from any other person. That means that
your right to recover for a loss that was partly or
totally caused by someone else is automatically
transferred to us, to the extent that we have paid you
for the loss. We may require you to acknowledge
this transfer in writing. After the loss, you may not
give up our right to recover this money or do
anything that would prevent us from recovering it. If
you make any claim against any person who caused
your loss and recover any money, you must pay us
back first before you may keep any of that money.

T.   Continuous Lake Flooding

1.    If your insured building has been flooded by
rising lake waters continuously for 90 days or
more and it appears reasonably certain that a
continuation of this flooding will result in a
covered loss to the insured building equal to or
greater than the building policy limits plus the
deductible or the maximum payable under the
policy for any one building loss, we will pay
you the lesser of these two amounts without
waiting for the further damage to occur if you
sign a release agreeing:


a.   To make no further claim under this policy;

b.   Not to seek renewal of this policy;

c.    Not to apply for any flood insurance under
the Act for property at the described
location; and

d.    Not to seek a premium refund for current or
prior terms.

If the policy term ends before the insured
building has been flooded continuously for 90
days, the provisions of this paragraph T.1. will
apply when the insured building suffers a
covered loss before the policy term ends.

2.    If your insured building is subject to continuous
lake flooding from a closed basin lake, you may
elect to file a claim under either paragraph T.1.
above or this paragraph T.2. (A "closed basin
lake" is a natural lake from which water leaves
primarily through evaporation and whose surface
area now exceeds or has exceeded one square
mile at any time in the recorded past. Most of the
nation's closed basin lakes are in the western half
of the United States, where annual evaporation
exceeds annual precipitation and where lake
levels and surface areas are subject to
considerable fluctuation due to wide variations in
the climate. These lakes may overtop their basins
on rare occasions.) Under this paragraph T.2. we
will pay your claim as if the building is a total loss
even though it has not been continuously
inundated for 90 days, subject to the following
conditions:

a.    Lake flood waters must damage or
imminently threaten to damage your building.

b.   Before approval of your claim, you must:

(1)   Agree to a claim payment that reflects
your buying back the salvage on a
negotiated basis; and

(2)   Grant the conservation easement
described in FEMA's "Policy Guidance
for Closed Basin Lakes," to be recorded
in the office of the local recorder of
deeds. FEMA, in consultation with the
community in which the property is
located, will identify on a map an area or
areas of special consideration (ASC) in
which there is a potential for flood
damage from continuous lake flooding.
FEMA will give the community the
agreed-upon map showing the ASC. This
easement will only apply to that portion of
the property in the ASC. It will allow
certain agricultural and recreational uses
of the land. The only structures that it will
allow on any portion of the property
within the ASC are certain simple
agricultural and recreational structures. If
any of these allowable structures are
insurable buildings under the NFIP and
are insured under the


NFIP, they will not be eligible for the
benefits of this paragraph T.2. If a U.S.
Army Corps of Engineers certified flood
control project or otherwise certified
flood control project later protects the
property, FEMA will, upon request,
amend the ASC to remove areas
protected by those projects. The
restrictions of the easement will then no
longer apply to any portion of the
property removed from the ASC; and

(3)   Comply with paragraphs T.1.a. through
T.1.d. above.

c.    Within 90 days of approval of your claim, you
must move your building to a new location
outside the ASC. FEMA will give you an
additional 30 days to move if you show that
there is sufficient reason to extend the time.

d.    Before the final payment of your claim, you
must acquire an elevation certificate and a
floodplain development permit from the local
floodplain administrator for the new location
of your building.

e.   Before the approval of your claim, the
community having jurisdiction over your
building must:

(1)   Adopt a permanent land use
ordinance, or a temporary moratorium
for a period not to exceed 6 months to
be followed immediately by a
permanent land use ordinance, that is
consistent with the provisions
specified for the easement required in
paragraph T.2.b. above;

(2)   Agree to declare and report any
violations of this ordinance to FEMA so
that under Section 1316 of the National
Flood Insurance Act of 1968, as
amended, flood insurance to the
building can be denied; and

(3)   Agree to maintain as deed-restricted, for
purposes compatible with open space or
agricultural or recreational use only, any
affected property the community acquires
an interest in. These deed restrictions
must be consistent with the provisions of
T.2.b. above, except that, even if a
certified project protects the property, the
land use restrictions continue to apply if
the property was acquired under the
Hazard Mitigation Grant Program or the
Flood Mitigation Assistance Program. If a
nonprofit land trust organization receives
the property as a donation, that
organization must maintain the property
as deed-restricted, consistent with the
provisions of paragraph T.2.b. above.

f.    Before the approval of your claim, the
affected State must take all action set forth in
FEMA's "Policy Guidance for Closed Basin
Lakes."

g.    You must have NFIP flood insurance
coverage continuously in effect from a date
established by FEMA until you file a claim
under this paragraph T.2. If a subsequent
owner buys NFIP insurance that goes into
effect within 60 days of the date of transfer of
title, any gap in coverage during that 60-day
period will not be a violation of this
continuous coverage requirement. For the
purpose of honoring a claim under this
paragraph T.2., we will not consider to be in
effect any increased coverage that became
effective after the date established by FEMA.
The exception to this is any increased
coverage in the amount suggested by your
insurer as an inflation adjustment.

h.    This paragraph T.2. will be in effect for a
community when the FEMA Regional
Director for the affected region provides to
the community, in writing, the following:

(1)   Confirmation that the community and the
State are in compliance with the
conditions in paragraphs T.2.e. and T.2.f.
above; and

(2)   The date by which you must have flood
insurance in effect.

U.   Duplicate Policies Not Allowed

1.    We will not insure your property under more
than one NFIP policy.

If we find that the duplication was not knowingly created,
we will give you written notice. The notice will
advise you that you may choose one of
several options under the following
procedures:

a.    If you choose to keep in effect the policy
with the earlier effective date, you may also
choose to add the coverage limits of the
later policy to the limits of the earlier policy.
The change will become effective as of the
effective date of the later policy.

b.    If you choose to keep in effect the policy
with the later effective date, you may also
choose to add the coverage limits of the
earlier policy to the limits of the later policy.
The change will be effective as of the
effective date of the later policy.

In either case, you must pay the pro rata
premium for the increased coverage limits within
30 days of the written notice. In no event will the
resulting coverage limits exceed the permissible
limits of coverage under the Act or your
insurable interest, whichever is less.

We will pay a refund to you, according to
applicable NFIP rules, of the premium for the
policy not being kept in effect.
2.    Your option under this Condition U. Duplicate
Policies Not Allowed to elect which NFIP policy
to keep in effect does not apply when duplicates
have been knowingly created. Losses occurring
under such


circumstances will be adjusted according to the
terms and conditions of the earlier policy. The
policy with the later effective date will be
canceled.

V.   Loss Settlement

1.   Introduction

This policy provides three methods of settling
losses: Replacement Cost, Special Loss
Settlement, and Actual Cash Value. Each
method is used for a different type of property,
as explained in a.-c. below.

a.    Replacement Cost loss settlement,
described in V.2. below, applies to
buildings other than manufactured homes
or travel trailers.

b.    Special loss settlement, described in V.3.
below, applies to a residential
condominium building that is a travel
trailer or a manufactured home.

c.    Actual Cash Value loss settlement applies
to all other property covered under this
policy, as outlined in V.4. below.

2.   Replacement Cost Loss Settlement

a.    We will pay to repair or replace a damaged
or destroyed building, after application of
the deductible and without deduction for
depreciation, but not more than the least of
the following amounts:

(1)   The amount of insurance in this policy that
applies to the building;

(2)   The replacement cost of that part of the
building damaged, with materials of like
kind and quality, and for like occupancy
and use; or

(3)   The necessary amount actually spent to
repair or replace the damaged part of
the building for like occupancy and use.

b.    We will not be liable for any loss on a
Replacement Cost Coverage basis unless
and until actual repair or replacement of the
damaged building or parts thereof is
completed.

c.    If a building is rebuilt at a location other
than the described location, we will pay no
more than it would have cost to repair or
rebuild at the described location, subject to
all other terms of Replacement Cost loss
settlement.

3.   Special Loss Settlement

a.    The following loss settlement conditions
apply to a residential condominium
building that is:



(1)   A manufactured home or a travel trailer,
as defined in II.B.6.b. and c.; and

(2)   At least 16 feet wide when fully
assembled and has an area of at least
600 square feet within its perimeter
walls when fully assembled.

b.    If such a building is totally destroyed or
damaged to such an extent that, in our
judgment, it is not economically feasible to
repair, at least to its predamage condition,
we will, at our discretion, pay the least of the
following amounts:

(1)   The lesser of the replacement cost of
the manufactured home or travel trailer
or 1.5 times the actual cash value; or

(2)   The building limit of liability shown on
your Declarations Page.

c.    If such a manufactured home or travel trailer
is partially damaged and, in our judgment, it
is economically feasible to repair it to its
predamage condition, we will settle the loss
according to the Replacement Cost loss
settlement conditions in V.2. above.

4.   Actual Cash Value Loss Settlement
a.    The types of property noted below are
subject to Actual Cash Value loss
settlement.

(1)   Personal property;

(2)   Insured property abandoned after a loss
and that remains as debris at the
described location;

(3)   Outside antennas and aerials, awnings,
and other outdoor equipment;

(4)   Carpeting and pads;

(5)   Appliances; and

(6)   A manufactured or mobile home or a
travel trailer as defined in II.B.6.b. or c.
that does not meet the condition for
Special Loss Settlement in V.3. above.

b.    We will pay the least of the following
amounts:

(1)   The applicable amount of insurance
under this policy;

(2)   The actual cash value (as defined in
II.B.2.); or

(3)   The amount it would cost to repair or
replace the property with material of like
kind and quality within a reasonable
time after the loss.




GG.   IX.   LIBERALIZATION CLAUSE




If we make a change that broadens your coverage
under this edition of our policy, but does not require
any additional premium, then that change will
automatically apply to your insurance as of the date
we implement the change, provided that this
implementation date falls within 60 days before, or
during, the policy term stated on the Declarations
Page.
X.   WHAT LAW GOVERNS




This policy and all disputes arising from the
handling of any claim under the policy are governed
exclusively by the flood insurance regulations issued
by FEMA, the


National Flood Insurance Act of 1968, as amended
(42 U.S.C. 4001, et seq.), and Federal common law.



_________________________________________________________________________
_________________
__________

IN WITNESS WHEREOF, we have signed this policy below and hereby enter
into this Insurance Agreement.




David I. Maurstad
Acting Administrator, National Flood Insurance Program
Federal Emergency Management Agency



_________________________________________________________________________
___________
_

CLAIM GUIDELINES IN CASE OF A FLOOD
_________________________________________________________________________
___________
_

For the protection of you and your family, the following claim guidelines
are provided by the National
Flood Insurance Program (NFIP). If you are ever in doubt as to what
action is needed, consult your
insurance representative or call the NFIP toll-free at 1-800-638-6620 or
on the TDD line at 1-800-447-
9487.
Know your insurance representative's name and telephone number. List them
here for fast reference:

Insurance Representative ________________________________

Representative's Phone Number     ______________________________

?     Notify us or your insurance representative, in writing, as soon as
possible after the flood.

?     If you report to your insurance representative, remind him or her
to assign the claim to an NFIP-
approved claims adjuster. The NFIP pays for the services of the
independent claims adjuster
assigned to your claim.

?     Determine the independent claims adjuster assigned to your claim
and contact him or her if you have
not been contacted within 24 hours after you reported the claim to your
insurance representative.

?     As soon as possible, separate damaged property from undamaged
property so that damage can be
inspected and evaluated.

?     Discuss with the claims adjuster any need you may have for an
advance or partial payment for your
loss.

?     To help the claims adjuster, try to take photographs of the outside
of the premises showing the
flooding and the damage and photographs of the inside of the premises
showing the height of the
water and the damaged property.

?     Place all account books, financial records, receipts, and other
loss verification material in a safe place
for examination and evaluation by the claims adjuster.

?     Work cooperatively and promptly with the claims adjuster to
determine and document all claim items.
Be prepared to advise the claims adjuster of the cause and responsible
party(ies), if the flooding
resulted from other than natural cause.

?     Make sure that the claims adjuster fully explains, and that you
fully understand, all allowances and
procedures for processing claim payments on the basis of your proof of
loss. This policy requires you
to send us detailed proof of loss within 60 days after the loss.

?     Any and all coverage problems and claim allowance restrictions must
be communicated directly from
the NFIP. Claims adjusters are not authorized to approve or deny claims;
their job is to report to the
NFIP on the elements of flood cause and damage.

At our option, we may accept an adjuster's report of the loss instead of
your proof of loss. The adjuster's
report will include information about your loss and the damages to your
insured property. You must sign
the adjuster's report. At our option, we may require you to swear to the
report.




       F-144 (10/04)


       FLOOD MAPS




XLII. OVERVIEW

The Federal Emergency
Management Agency (FEMA)
provides all participating
communities with copies of
their flood maps. The maps
are generally kept in
community planning or
building permit departments
where they should be
available for review.

Additional information about flood maps can be
obtained at the FEMA Map Service Center web
site (http://store.msc.fema.gov).

QQQ.   Types of Flood Maps

FEMA produces two types of maps for rating
flood insurance. For detailed information, refer
to "Answers to Questions About the National
Flood Insurance Program" (MitDiv-2) and "Guide
to Flood Maps" (FEMA–258).
20.   Flood Hazard Boundary Map (FHBM)--
Initial flood hazard identification generally
used for Emergency Program communities.

21.   Flood Insurance Rate Map (FIRM)--
Generally used for Regular Program
communities. Some Regular Program com-
munities may use a map originally
published as an FHBM; however, a letter
will accompany the map in conjunction with
conversion to the Regular Program stating
that the map is to be considered a FIRM.

Countywide FIRMs are official sources of
flood risk data for several communities that
supersede all previous versions of the
FEMA flood hazard maps for the
communities covered. Countywide FIRMs
show flooding information for the entire
geographic area of a county including the
incorporated communities within the
county.

RRR.   Map Information

The date of the current effective map version for
a community can be obtained by calling the
appropriate community official or by calling the
National Flood Insurance Program office on the
toll-free number. Maps provide community
name, community number, suffix, panel number,
map type, and the map effective date.

22.   The maps may have one panel or multiple
panels. Most Z-fold maps have multiple


panels. Flat maps generally consist of only
one panel.

23.   For multiple panel maps, individual panels
are identified on a community map index.

24.   Panel numbers are listed for that
community's map in numerical sequence.
FHBMs and FIRMs are drawn to show:

?      Community boundaries

?      Special Flood Hazard Areas (SFHAs)

?     Area not included in a community's
map.   A community may be physically
located within the overall geographical
area, but actually stand on its own as a
separate community. Therefore, this
community would be shown on a
separate map.

25.   Each panel has a panel number and
community number. When there is only one
panel (i.e., a flat map), the community
number will consist of only six digits.

      Example:   Monterey County, CA .      .   .
060195-1025. The first two
digits of the number identify the
state, and the next four digits
identify the community. The last
four digits identify the map
panel.

26.    Most FIRMs also show:

?      Rate Zones
?      Base Flood Elevations, and/or
?      Base Flood Depths

SSS.   Communities Without a Map

These are communities without formally
identified SFHAs that chose to have flood
insurance coverage available even though the
local flooding problems are too small to map.
For any such community in the Regular
Program, all areas within that community are
treated as Zone C or X.




XLIII.      MAP ZONES

TTT.   Special Flood Hazard Areas (SFHAs)

27.    Zone A

The lowest floor elevation is
required and the Base Flood
Elevations (BFEs) are not
provided.

28.    Zones A1-A30

The lowest floor elevation is required and the
BFEs are provided.

29.    Zone AE
Used in place of A1-A30 on some maps.

30.    Zone AH

Shallow water depths (ponding) and/or
unpredictable flow paths between 1 and 3 feet
occur. BFEs are provided.

31.    Zone AO

Shallow water paths (sheet flow) and/or
unpredictable flow paths between 1 and 3 feet
occur. BFEs are not provided. Base flood depths
may be provided.

32.    Zone A99

Enough progress has been made on a
protective system such as dikes, dams, and
levees to consider it complete for insurance
rating purposes. BFEs are not provided. For the
purpose of determining Community Rating
System premium discounts, all AR and A99
zones are treated as non-SFHAs.

33.    Zone AR

Area that results from the
decertification of a
previously accredited flood
protection system that is
determined to be in the
process of being restored to
provide base flood
protection. For the purpose
of determining Community
Rating System premium
discounts, all AR and A99
zones are treated as non-
SFHAs.

34.    Zones AR/AE, AR/AH, AR/AO, AR/A1-A30,
AR/A

Dual flood zones that,
because of flooding from
other water sources that the
flood protection system does
not contain, will continue to
be subject to flooding after
the flood protection system
is adequately restored. For
the purpose of determining
Community Rating System
premium discounts, all AR and
A99 zones are treated as non-
SFHAs.

35.    Zone V

An area that is inundated by tidal floods with
velocity (coastal high hazard area). BFEs are
not provided.

36.    Zones V1-V30

Identical to V Zone, but BFEs are provided.

37.    Zone VE

Used in place of V1-V30 on some maps.

38.    Zone VO

An area having shallow water depths and/or
unpredictable flow paths between 1 and 3 feet
with velocity.

UUU.   Moderate, Minimal Hazard Areas

39.    Zones B, C, X

Areas of moderate or minimal hazard subject to
flooding from severe storm activity or local
drainage problems. These zones may be lightly
shaded or unshaded on the FIRM. Zone X is the
designation for B and C Zones and is used in
place of these zones on some maps.

40.    Zone D

An area where the flood hazard is undetermined
and which usually is very sparsely populated.
The designation of Zone D can also be used for
rating when one community incorporates
portions of another community's area where no
map has been prepared.

XLIV. LOCATING A SPECIFIC
PROPERTY ON A MAP

?     Check the map index to identify the correct
map panel.

?     Directly locate the property by the address
or other information. It may help to
compare the FHBM or FIRM to a more
detailed map, such as an assessor's map
or community street map.

?     Note the map color where the property is
located. On FHBMs and FIRMs, areas
darkly shaded are the SFHAs. On an
FHBM, no other zone data may be given.
On a FIRM, the zones are also given an


      alpha designation. All the area within the
boundaries indicated for a zone carries that
one zone designation.

?     Base Flood Elevations in SFHA zones (A1-
A30 [or AE], AH, V1-V30 [or VE]) are
shown within wavy lines. In some SFHA
zones, where the BFE does not vary within
the entire zone, the BFE is indicated in
parentheses. If required by terrain, a BFE
for the property may be interpolated using
the closest BFE indicators. In this case, it is
important to document the finding.

XLV.   CHANGING OR CORRECTING A FLOOD
MAP

There are three procedures:

VVV.   Letter of Map Amendment (LOMA)

If the applicant/insured believes that the
requirement to purchase flood insurance was
made in error and there is evidence that the
building is not in the Special Flood Hazard Area
(SFHA) on the effective Flood Insurance Rate
Map (FIRM), the applicant/insured may apply for
a Letter of Map Amendment (LOMA).

A LOMA is a determination made by the Federal
Emergency Management Agency (FEMA) for
property and/or building as to whether it is
located within the SFHA. LOMA determinations
are based on the following:

?     Comparing the location of the property to the
SFHA.

?     Comparing the elevation of the
property to the 1-percent-
annual-chance flood elevation.

If, after plotting the location on the FIRM, the
FEMA examiner finds that the property and/or
building is not shown in the SFHA, then the
Determination will be "Out As Shown," rather
than "Removed." The FEMA Out-As-Shown
Determination will state that the property or
building is correctly shown outside the SFHA
and, therefore, the mandatory flood insurance
requirement does not apply.

An Out-As-Shown Determination does not
require elevations. The minimum requirements
to make an Out-As-Shown Determination are as
follows:

?     A photocopy of the FIRM panel
(including the title block) that shows the
area in which the property is located.




?     Section A of the MT-EZ form, which is
found in the MT-EZ application package
and can be obtained from the FEMA
web site at www.fema.gov/fhm/dl_mt-
ez.shtm, or by calling the toll-free
number listed below.

?     A copy of the subdivision Plat Map of the
area, showing the recordation data (i.e.,
Book/Volume and Page numbers) and
containing the recorder's seal.

OR

?     A copy of the deed for the property, showing
the recordation information (i.e., Book/
Volume and Page numbers) and containing
the recorder's seal, accompanied by a tax
assessor's or other suitable map showing
the surveyed location of the property and at
least two street intersections that are also
shown on FEMA's FIRM.

In some cases, additional information may be
required to make a determination.

Questions about LOMAs may be
directed to the FEMA Map
Assistance Center toll-free
information line at 1-877-
FEMA-MAP (1-877-336-2627).

WWW.   Letter of Map Revision (LOMR)
A LOMR is an official
revision to the currently
effective FEMA map. It is
used to change flood zones,
floodplain and floodway
delineations, flood
elevations, and planimetric
features. All requests for
LOMRs must be made to FEMA
through the chief executive
officer of the community,
since it is the community
that must adopt any changes
and revisions to the map. A
LOMR is usually followed by a
physical map revision.

XXX.   Physical Map Revision

A physical map revision is an official republication of a map
to effect changes to flood insurance zones, floodplain
delineations, flood elevations, floodways, and
planimetric features.

The community's chief executive officer can
submit scientific and technical data to FEMA to
support the request for a map revision. The data
will be analyzed, and the map will be revised if
warranted.

NOTE: To verify past rating determinations and
to establish floodplain management
compliance requirements, old maps
should be retained.



XLVI. ORDERING FLOOD MAPS

Flood maps and related
products may be ordered by
writing to the FEMA Map
Service Center (MSC) at P.O.
Box 1038, Jessup, MD 20794-
1038. Orders also may be
placed by calling the MSC's
toll-free number, 1-800-358-
9616, from 8:00 a.m. to 8:00
p.m., Monday through Friday.

Information about flood maps and other products
also is available at the Map Service Center web
site (http://store.msc.fema.gov). Visitors to the
site now can download and print free
"FIRMettes"—user-selected portions of official
FEMA Flood Insurance Rate Maps. Regular
visitors may set up accounts to order and pay for
fee-based products online.

The MSC distributes Flood Hazard Boundary
Maps (FHBMs), Flood Insurance Rate Maps
(FIRMs), and Flood Insurance Studies (FIS) in
hardcopy format. Digital flood data, known as
Q3, are available on CD ROM for approximately
900 counties nationwide. The Q3 data require
GIS software for use. Call the MSC at 1-800-
358-9616 for Q3 information for specific areas.

YYY.   Ordering Instructions

Z-fold maps may be ordered by
community number and panel
number. Flat map orders
require a 6-digit community
number. When ordering maps,
be sure to identify specific
map panels needed.


B.     Prices

There is a $2.00 charge for each map panel,
including index maps, plus shipping. Q3 data are
$50 per CD ROM. Federal, state, and local
governments are exempt from the fees for
hardcopy maps. However, government entities
must pay for Q3 CD ROMs.

A chart showing MSC products, services, and
fees is provided on page MAP 5. Orders must
be prepaid, and all sales are final.
Overpayments of less than $3 are not refunded.

The MSC accepts VISA,
MasterCard, and American
Express credit card charges,
deposit accounts (see C.,
following), and checks.
Credit card and deposit
account orders can be faxed
to 1-800-358-9620. Checks
should be made payable to
"NFIP" and mailed to the
address above.

C.     Map Revisions

To automatically receive map revisions, an
account must be set up by either check or credit
card. Accounts are established with a check of
$100 minimum. The check should be sent to the
MSC at the address above, along with a list of
the required map areas. As the revised maps
become available, they will be sent
automatically, and appropriate fees will be
deducted from the deposit account.

Revised map information also may be obtained
from the Flood Map Status Information Service
(FMSIS) or the Community Status Book. For
more information, call MSC at 1-800-358-9616.




MSC Products, Services, and Costs
http://store.msc.fema.gov

Product or Service

Fee

Shipping Charge

Paper copies of FHBM, FIRM
DFIRM, or FBFM panels

$2.00 per panel

$0.37 per panel for first 10 panels
plus $0.03 for each additional panel

Paper copies of FIS (not
including FBFM panels that are
included as exhibit)

$5.00 per FIS volume

$4.00 for first FIS plus $0.40 for each
additional FIS

Hurry Charge for FHBM, FIRM,
DFIRM, FBFM, or FIS

$33.00 per order

Based on product and units shipped;
no additional shipping charge if
customer provides own shipping
account
Q3 Flood Data Files

$50.00 per CD-ROM

$3.65 for first 4 CD-ROMs, plus
$0.10 for each additional CD-ROM in
the same order

CBRA Q3 Flood Data Files

$50.00 per CD-ROM

$3.65 for first 4 CD-ROMs, plus
$0.10 for each additional CD-ROM in
the same order

Community Status Book

$2.50 per state
$20.50 for entire U.S.

Annual Subscription:
$50.00 per state or $250.00 for
entire U.S.

$1.00 per state
$4.65 for entire U.S.

Not applicable

Flood Map Status Information
Service (FMSIS)

$13 per state
$38 for entire U.S.


Annual Subscription:
$148 per state; $419 for all
states

$3.65 for first 4 CD-ROMs, plus
$0.10 for each additional CD-ROM in
the same order

Not applicable

LOMC Subscription Service

$85 per issue

Annual Subscription: $2,000

$3.65 for first 4 CD-ROMs, plus
$0.10 for each additional CD-ROM


NFIP Flood Insurance Manual
Complete Manual

Producer's Edition

$25.00 per copy for Complete
Manual

$15.00 per copy for Producer's
Edition

Not applicable

Community Map Action List
(CMAL)

Free

$0




       PROVISIONAL RATING




XLVII.      GENERAL DESCRIPTION

Provisional rating is available to enable the
placement of coverage prior to receipt of the
Elevation Certificate. It is expected that an
Elevation Certificate will be secured and standard
rating completed within 60 days of the policy
effective date. Failure to obtain the Elevation
Certificate could result in reduced coverage limits
at the time of a loss. A sample rate questionnaire
and a sample notice to the policyholders
informing them of their obligations under a
provisionally rated policy are included in this
section.

Provisional rates may be used in writing new
business whether or not the 30-day waiting period
is applicable.

Provisionally rated policies are subject to CRS
Premium Discount, Probation Surcharge, and
optional deductible factors, as applicable. The
Federal Policy Fee and ICC Premium also apply
to provisionally rated policies.

XLVIII.    ELIGIBILITY REQUIREMENTS

Provisional rating is available only for newly
insured risks meeting the following criteria:

?     Post-FIRM
?     1-4 family residential buildings
?     Property located in either
      -     Zones AE, A1-A30, or
      -     Zone A where the community provides
estimated Base Flood Elevations (BFEs).

Manufactured (mobile) homes are not eligible.

Policies written with provisional rates cannot be
renewed or rewritten with provisional rates. In
addition, an insured who has purchased a
provisionally rated policy on a given property may
not purchase another provisionally rated policy on
that same property.

XLIX. REFORMATION

While provisionally rated policies may remain in
effect for up to 1 year, standard rating must be
accomplished prior to any claim payment, should
there be a loss.

D.   Limitations

A provisionally rated policy has limited
reformation rights.

1.    Prior to any loss, a policy may be
reformed back to the effective date upon
receipt



of the Elevation Certificate and the
appropriate actuarial rating. If the additional
premium that results because of a
reformation of the policy is not received
from the insured, the coverage will be
reduced.
2.    If receipt is within 60 days of the
effective date, the policy may be reformed
back to the effective date even if a loss
occurred before receipt.

3.    After a loss, reformation is not
permitted. A policy must be rated with an
Elevation Certificate prior to any claim
payment. Coverage will be limited to the
amount that would have been purchased
using actuarial rating with the amount of
premium already submitted. The amount of
coverage may not exceed the amount
originally requested.

E.   Endorsement Procedure

The provisionally rated policy may not be
endorsed to increase coverage until the policy
has been reformed to a standard rated policy. At
that time, all standard endorsement rules apply
(e.g., 30-day wait). In order to reform the rating
method of a provisionally rated policy, the agent
should submit a General Change Endorsement
form along with the necessary documentation.
The reason for change should be listed as
"reforming from provisional to standard rating."
Any additional premium due should be calculated
and submitted at that time.

F.   Endorsement Alternative

Prior to any loss, in the case where the actuarial
premium is higher than the provisional premium,
an insured may elect to pay the premium due for
the remainder of the policy term. In that case,
the coverage will be restored to the originally
requested amounts after a 30-day waiting
period.

L.   NOTIFICATION REQUIREMENTS

When a policy is issued using provisional rating,
along with the declaration pages, a notice will be
provided to the insured, the agent, and the lender
(if applicable), that explains the nature of the
coverage, the limited reformation rights, and the
expectation that actuarial rating will be
accomplished.
LI.   COMPLETING THE PROVISIONAL
      RATING QUESTIONNAIRE

A.    General Directions

The Provisional Rating Questionnaire, shown on
page PR 3, is for Post-FIRM properties in Zones
A with estimated BFE, A1-30, and AE where
there is no Elevation Certificate at the point of
sale. Eligibility is restricted to 1-4 family
buildings. The form must be completed and
attached to the Flood Insurance Application
form.

The following are instructions for completing the
questionnaire.

1.    Enter the name, property
address, city, state, and ZIP
Code.

2.    Enter the policy number, if
known.

3.    Enter the policy effective date
and policy expiration date
(month-day-year). The effective
date of the policy is determined
by adding the appropriate
waiting period to the date of
application listed in the Flood
Insurance Application.

4.    For questions 1-4 on the Provisional Rating
Questionnaire, start with question 1 and proceed
until a question is answered affirmatively. That
will indicate the foundation type that is to be used
in selecting the rate from the table below.



5.    To complete the Flood Insurance Application,
attach the questionnaire and use the rates in the
table indicated by the answers to the questions 1-4.
Then complete the premium calculation section on
the Flood Insurance Application. Note that
optional deductibles, ICC Premium, CRS Premium
Discount, Probation Surcharge, and Federal Policy
Fee affect the Total Prepaid Amount calculation
for provisional rates.

B.    Guidance for Determining Building
Elevated on Fill
It is often difficult to recognize when a building
has been elevated on fill. The following questions
are provided to help in correctly determining this
for the questionnaire.

1.    Is the building built on a mound
of earth? An indication could
be that the land slopes
significantly down away from
the building in the front and
rear, or the driveway slopes
significantly down towards the
street.

2.    Is the front door threshold at
least 3 feet above the crown of
the street?

3.    Do steps up from the street to
the house result in at least a 3-
foot rise?

4.    Is the lower floor of the house at
least 2 feet above the floor of
the garage?

If the answer is "yes" to one of the above, then
there is reasonable confidence that the building is
built on fill.




NATIONAL FLOOD INSURANCE PROGRAM
PROVISIONAL RATING QUESTIONNAIRE
1-4 Family Post-FIRM Zones A1, A1-A30, AE
(To be attached to the Flood Insurance Application)

NAME
      POLICY NUMBER _____________________
PROPERTY ADDRESS                                               Policy
Period is from                     to ________


Answer the questions below. Use the rates associated with the first "yes"
response. These rates are to be
used on the Flood Insurance Application.

Yes    No

       ?    ?      1.   Is there a basement?

       ?    ?      2.   Is the house built on fill2 or with a crawl space?
      ?    ?       3.    Is the house elevated on pilings, piers, or
columns?
                           If yes, determine if there is an enclosed area
underneath the building.

      ?    ?       4.    Were the answers to the previous three questions
all no?
                           Then the house is assumed to be slab on natural
grade.



     BUILDING TYPE*
     CONTENTS LOCATION


      FOUNDATION
      TYPE
One Floor
No
Basement
More Than
One Floor
(Basement
or No
Basement)
Basement
and
Above
Lowest
Floor Only -
Above
Ground
Level (Not
in
Basement)
Lowest Floor
Above
Ground
Level and
Higher (Not
in
Basement)
Above3
Ground
Level -
More
Than
One Full
Floor
Basement

1.23/.66
1.29/.13
.96/.13
.68/.13
.35/.12
Fill or Crawl Space
.88/.34
.88/.34

1.49/.62
.95/.45
.35/.12
Piles, Piers, or
Columns
  With Enclosure
  No Enclosure


.88/.08
.53/.08


.88/.08
.46/.08



1.40/.14
1.04/.14


1.09/.13
.73/.13


.35/.12
.35/.12
On Grade
3.58/2.15
3.58/2.15

6.77/4.07
6.77/4.07
.35/.12

    * Add $6 ICC Premium and $50.00 Probation Surcharge, if applicable,
for all provisionally rated policies.


    1 Provisional Rates are restricted to Unnumbered A Zones where
communities provide estimated BFEs.

    2 For information on how to determine if a house is built on fill,
see the guidelines on PR 2.
    3 The "Above Ground Level - More Than One Full Floor'' rates are
applicable to 2-4 family structures only.


VI.   PROVISIONAL RATING EXAMPLE

REGULAR    PROGRAM,   POST-FIRM    CONSTRUCTION


Data Essential To Determine Appropriate Rates and Premium:

?     Regular Program
?     Flood Zone:                 A with estimated BFE, AE, or A1-A30
?     Occupancy:                  Single Family Dwelling
?     # of Floors:                      3 Floors
?     Basement/Enclosure:         Basement
?     Deductible:                 $3,000/$2,000
?     Deductible Factor:                .850
?     Contents Location:                Basement and Above
?     Date of Construction:       Post-FIRM
?     Elevation Difference:       N/A
?     Flood Proofed Yes/No:       No
?     Building Coverage:                $250,000
?     Contents Coverage:          $100,000
?     ICC Premium:                $6
?     CRS Rating:                 N/A
?     CRS Discount:               N/A
?     Probation Surcharge:        $50

Determined    Rates:
Building:     1.23/.66            Contents:   1.29/.13


BASIC LIMITS
ADDITIONAL LIMITS
(REGULAR PROGRAM
ONLY)

DEDUCTIB
LE
BASIC
AND
ADDITIO
NAL

COVER
AGE
AMOUNT
OF
INSURANC
E
RA
TE
ANNU
AL
PREM
IUM
AMOUNT
OF
INSURANC
E
RAT
E
ANNU
AL
PREMI
UM
PREM.
REDUCTIO
N/
INCREASE
TOTAL
AMOUNT
OF
INSURAN
CE
TOTAL
PREMI
UM
BUILDI
NG
50,000
1.2
3
615
200,000
.66
   1,320
290
250,000
1,645
CONTE
NTS
20,000
1.2
9
258
80,000
.13
      104
54
100,000
308
RATE TYPE: (ONE BUILDING PER
POLICY?BLANKET COVERAGE NOT PERMITTED)
PAYMENT
ANNUAL SUBTOTAL
1,953
? MANUAL               ? SUBMIT FOR
RATING
OPTION:
ICC PREMIUM
6
? ALTERNATIVE          ? V-ZONE RISK
RATING FORM
? CREDIT
CARD
SUBTOTAL
1,959
? MORTGAGE PORTFOLIO PROTECTION
PROGRAM
? OTHER:
CRS PREMIUM
DISCOUNT            %
?
? PROVISIONAL RATING

SUBTOTAL
1,959
THE ABOVE STATEMENTS ARE CORRECT TO THE BEST OF MY
KNOWLEDGE. I UNDERSTAND
PROBATION
SURCHARGE
50
THAT ANY FALSE STATEMENTS MAY BE PUNISHABLE BY FINE
OR IMPRISONMENT UNDER
FEDERAL POLICY FEE
30
APPLICABLE FEDERAL LAW.
TOTAL PREPAID
AMOUNT
2,039
SIGNATURE OF INSURANCE AGENT/BROKER
      DATE (MM/DD/YY)


Premium Calculation:
1.   Multiply Rate x $100 of Coverage:            Building: $1,935 /
Contents: $362
2.   Apply Deductible Factor:               Building: .850 x $1,935 =
$1,645 / Contents: .850 x $362 = $308
3.   Premium Reduction:                     Building: $290 /
Contents: $54
4.   Subtotal:                        $1,953
5.   Add ICC Premium:                 $6
6.   Subtract CRS Discount:           N/A
7.   Subtotal:                        $1,959
8.   Probation Surcharge:             $50
9.   Add Federal Policy Fee:          $30
10. Total Prepaid Amount:             $2,039
     SAMPLE NOTICE TO ACCOMPANY PROVISIONALLY RATED POLICIES

At the request of you and your agent, the enclosed Standard Flood
Insurance Policy has been issued using
provisional rates because an Elevation Certificate was not available at
the time of application. An Elevation
Certificate is necessary to determine a premium that accurately reflects
the flood risk (i.e., actuarial rates). By
accepting this provisionally rated policy, you agree to submit an
Elevation Certificate within 60 days of your policy
becoming effective. Your agent can assist you in obtaining a certificate.
Failure to comply with this requirement
may result in lower coverage limits than those shown on the enclosed
declarations page and may affect other
aspects of your coverage. This policy is issued for a 1-year term and
cannot be renewed using provisional rates.

It is likely that after you submit a valid Elevation Certificate, the
resulting actuarial premium will be determined to be
lower than the provisional premium. In that case, you will receive a
refund of the difference for the policy term.

If the actuarial premium is determined to be higher, the following rules
apply:

(1)        If within 60 days of the policy effective date, we receive
from you a valid Elevation Certificate with any
additional premium due as a result of using actuarial rates, the coverage
limits on the enclosed
declarations page will be in force from the effective date. Those
coverage limits will apply even to a loss
occurring before we receive the Elevation Certificate and additional
premium. Actuarial rating will be
completed before the loss payment is made.

(2)        If we receive from you a valid Elevation Certificate and any
additional premium due as a result of using
actuarial rates more than 60 days after the policy effective date but
before a loss occurs, you have two
options. You may submit the additional premium for the entire policy
term, in which case the coverage
limits on the enclosed declarations page will be in force from the
effective date. Alternatively, you may
submit the additional premium, computed for the remainder of the policy
term with a 30-day waiting
period. In this latter case, the originally requested coverage limits
will only apply to any loss occurring
after the waiting period. Reduced coverage limits as described in number
(3) below will apply to any loss
occurring within the waiting period.
(3)        If neither (1) nor (2) above applies, actuarial rates must be
determined before any loss payment will be
made. If the actuarial premium is more than the provisional premium, the
coverage limits will be less
than those shown on the enclosed declarations page. In that case, the
loss payment will be subject to
the reduced coverage limits, which will be the coverage limits that the
provisional premium would buy
using the actuarial rates. If you want to increase your reduced coverage
limits, a 30-day waiting period
will apply to the additional coverage.

If you have any questions, please contact your insurance agent for
assistance.




COASTAL BARRIER RESOURCES SYSTEM




The Coastal Barrier Resources Act (Pub. L. 97-348)
and the Coastal Barrier Improvement Act of 1990
(Pub. L. 101-591) are federal laws that were
enacted on October 18, 1982, and November 16,
1990, respectively. The legislation was implemented
as part of a Department of the Interior (DOI)
initiative to minimize loss of human life by
discouraging development in high-risk areas,
reduce wasteful expenditures of federal resources,
and preserve the ecological integrity of areas
Congress designates as a Coastal Barrier
Resources System (CBRS) and Otherwise
Protected Areas (OPAs). The laws provide this
protection by prohibiting all federal expenditures or
financial assistance, including flood insurance, for
residential or commercial development in areas so
identified.

The 1990 Act amends the 1982 Act by adding
and deleting CBRS areas and by adding OPAs.
As a result, revisions are made to the Flood
Insurance Rate Maps (FIRMs) for the affected
communities. Both of the laws provided 1-year
grace periods for the NFIP to comply with the
statutory requirements; October 1, 1983, for the
1982 Act and November 16, 1991, for the 1990
Act. The 1-year grace period for the 1990 Act
applies only to the OPAs. New CBRS areas
established by the 1990 Act have no grace
period.

To determine if a building is eligible for flood
insurance coverage, the producer should consult
the list of communities where coastal barriers
and/or OPAs have been identified. The list is
included in this section. The community's map
should always be reviewed to determine if the
property to be insured is located in a designated
CBRS area or an OPA.

A listing of map panels that have CBRS areas is
available on the FEMA website
(www.fema.gov/nfip/cobra.shtm). The website
page is for information and notification purposes
only. The website does not determine flood
insurance eligibility or status in relation to a CBRS
or an OPA; it merely indicates whether a
particular Flood Insurance Rate Map (FIRM)
panel contains a portion of the CBRS or an OPA.
Further study of the FIRM and property location
and/or the building's date of construction in
relation to the CBRS designation date is
necessary to determine whether a specific
property is eligible for flood insurance.

Buildings may be eligible for flood insurance even
if they are located within such areas. Eligibility


depends upon which Act identified that
community as having such areas.

Eligibility under the 1982 Act for a building in a
CBRS area requires that:

?     A legally valid building permit for the
construction of the building was issued prior
to October 1, 1983; and

?     The building was built (walled and roofed)
prior to October 1, 1983; and

?     The building was not substantially improved
or substantially damaged on or after October
1, 1983.

Eligibility under the 1990 Act for a building in a
CBRS area or OPA requires that:

?    For CBRS areas:

?    A legally valid building permit for the
construction of the building was issued
prior to November 16, 1990; and

?     The actual start of construction of the
building was prior to November 16, 1990;
and

?     The building was not substantially
improved or substantially damaged on or
after November 16, 1990.

?    For OPAs:

?     A legally valid building permit for the
construction of the building was issued
prior to November 16, 1991; and

?     A building in an OPA was built (walled and
roofed) no later than November 16, 1991;
and

?     The building was not substantially
improved or substantially damaged after
November 16, 1991.
                             OR
?     The building is used in a manner
consistent with the purpose for which the
area is protected, regardless of the date of
construction.

Eligibility under other CBRS amendments is
based on the preceding rules applied to the date
the insurance prohibition became effective.


When an application for flood insurance is
submitted for buildings located in CBRS and/or
OPA communities, the following types of
documentation must be submitted as evidence of
eligibility by the producer writing through the NFIP
Direct:

?     For buildings built on or after the date the
insurance prohibition became effective, a
legible copy of the current map panel
indicating that the building is not in a CBRS
area or OPA.

?    For buildings in CBRS areas and OPAs

      ?    A legally valid building permit, or if the
building permit was lost or destroyed, a
written statement to this effect signed by
the community official responsible for the
building permits will be accepted in lieu of
the building permit; and

      ?    A statement by a responsible community
official that:

1.    The walls and roof of the building were
in place (1982 Act) or the start of
construction took place (1990 Act),
before the date the insurance
prohibition became effective, and

2.    The building was not substantially
improved or substantially damaged on
or after the date the insurance
prohibition became effective.

?     Other forms of acceptable documentation
include:

1.   First mortgage financing records

2.   Property tax records

3.   Electrical permit records

4.    On-site septic or sewer system
records

5.    State Coastal Zone Management
Agency records

6.    State Wetlands Program permit
records


?    For structures in OPAs only

      ?    Certification from the governmental body
overseeing the area indicating that a
building in an OPA is used in a manner
consistent with the purpose for which the
area is protected may be submitted in
lieu of the above documentation.

If a producer writing through the NFIP Direct is uncertain
whether a building is located in a CBRS area or an
OPA, the following procedure should be used:

?    Do not collect the premium.

?    Mark the Application "Possible CBRS."

?    Attach a legible copy of the map panel
showing the community number, map suffix,
and FIRM date. Mark the risk's location on
the FIRM.

?    Attach a copy of a plat survey or tax map.

?     Provide a copy of a county or municipal street
map that shows the area surrounding the
property location and has the risk's location
clearly marked. Also provide, if available, an
aerial photograph that shows the property in
question, a metes and bounds description of
the location, and/or the latitude and longitude
of the property.

?     Provide a statement explaining the
mechanism used to identify whether the
property is located inside or outside the
CBRS/OPA (e.g., contacted community's Tax
Office).

?     Mail all documentation listed above and a
readable photocopy of the Application to the
NFIP Servicing Agent, P.O. Box 29138,
Shawnee Mission, KS 66201-9138.

An agent writing through a Write Your Own
Company should contact that company for
guidance.




COMMUNITY NAME



STATE
COMMUNITY
NUMBER



BARRIERS
OTHER
PROTECTED
AREAS
Baldwin County (Uninc. Areas)
AL
015000
Y
Y
Dauphin Island (Town)
AL
010418
Y
Y
Gulf Shores (Town)
AL
015005
N
Y
Mobile County (Uninc. Areas)
AL
015008
Y
N
Branford (Town)
CT
090073
Y
N
Bridgeport (City)
CT
090002
Y
Y
Clinton (Town)
CT
090061
Y
Y
East Lyme (Town)
CT
090096
Y
N
Fenwick (Borough)
CT
090187
Y
N
Groton (City)
CT
090126
Y
N
Groton (Town)
CT
090097
Y
Y
Groton Long Point Association
CT
090167
Y
N
Madison (Town)
CT
090079
Y
N
Milford (City)
CT
090082
Y
Y
New Haven (City)
CT
090084
N
Y
New London (City)
CT
090100
Y
N
Norwalk (City)
CT
090012
Y
Y
Old Lyme (Town)
CT
090103
Y
N
Old Saybrook (Town)
CT
090069
Y
N
Stonington (Borough)
CT
090193
Y
N
Stonington (Town)
CT
090106
Y
N
Stratford (Town)
CT
090016
N
Y
Waterford (Town)
CT
090107
Y
N
West Haven (City)
CT
090092
N
Y
Westbrook (Town)
CT
090070
Y
N
Westport (Town)
CT
090019
Y
Y
Kent County (Uninc. Areas)
DE
100001
Y
Y
Lewes (City)
DE
100041
N
Y
Little Creek (Town)
DE
100015
N
Y
Rehoboth Beach (City)
DE
105086
Y
Y
Slaughter Beach (Town)
DE
100050
Y
Y
Sussex County (Uninc. Areas)
DE
100029
Y
Y
Bay County (Uninc. Areas)
FL
120004
Y
Y
Bradenton Beach (City)
FL
125091
Y
Y
Brevard County (Uninc. Areas)
FL
125092
Y
Y
Cedar Key (City)
FL
120373
Y
Y
Charlotte County (Uninc. Areas)
FL
120061
Y
Y
Clearwater (City)
FL
125096
Y
Y
Collier County (Uninc. Areas)
FL
120067
Y
Y
Dade County (Uninc. Areas)
FL
120635
Y
Y
Dania (City)
FL
120034
N
Y
Destin (City)
FL
125158
Y
Y
Dixie County (Uninc. Areas)
FL
120336
Y
N
Dunedin (City)
FL
125103
Y
Y
Escambia County (Uninc. Areas)
FL
120080
Y
Y
Fernandina Beach (City)
FL
120172
N
Y
Flagler County (Uninc. Areas)
FL
120085
Y
N
Fort Lauderdale (City)
FL
125105
N
Y
Fort Pierce (City)
FL
120286
Y
Y
Franklin County (Uninc. Areas)
FL
120088
Y
Y
Gulf Breeze (City)
FL
120275
Y
Y
Gulf County (Uninc. Areas)
FL
120098
Y
Y
Hillsborough Co. (Uninc. Areas)
FL
120112
Y
Y
Hollywood (City)
FL
125113
Y
Y
Indian River Co. (Uninc. Areas)
FL
120119
Y
Y
Islamorada (Village)
FL
120424
Y
Y
Islandia (City)
FL
120647
Y
Y
Jacksonville (City)
FL
120077
Y
Y
Jupiter (Town)
FL
125119
N
Y
Jupiter Island (Town)
FL
120162
Y
Y
Key Biscayne (Village)
FL
120648
N
Y
Layton (City)
FL
120169
N
Y
Lee County (Uninc. Areas)
FL
125124
Y
Y
Levy County (Uninc. Areas)
FL
120145
Y
Y
Longboat Key (Town)
FL
125126
Y
Y
Malabar (Town)
FL
120024
Y
N
Manatee County (Uninc. Areas)
FL
120153
Y
Y
Marathon (City)
FL
120681
Y
N
Martin County (Uninc. Areas)
FL
120161
Y
Y
Miami (City)
FL
120650
N
Y
Miami Dade County
FL
120635
N
Y
Monroe County (Uninc. Areas)
FL
125129
Y
Y
Naples (City)
FL
125130
Y
N
Nassau County (Uninc. Areas)
FL
120170
N
Y
New Smyrna Beach (City)
FL
125132
Y
N
North Palm Beach (Village)
FL
120217
N
Y
Oak Hill (City)
FL
120624
N
Y
Okaloosa County (Uninc. Areas)
FL
120173
Y
N
Orchid (Town)
FL
120122
Y
Y
Palm Bay (City)
FL
120404
Y
N
Palm Beach Co. (Uninc. Areas)
FL
120192
N
Y
Pasco Co. (Uninc. Areas)
FL
120230
N
Y
Pensacola Beach-SRIA
FL
125138
Y
Y
Pinellas County (Uninc. Areas)
FL
125139
Y
Y
Ponce Inlet (Town)
FL
120312
Y
N
Port St. Joe (City)
FL
120099
Y
N
Port St. Lucie (City)
FL
120287
Y
N
Riviera Beach (City)
FL
125142
N
Y
Sanibel (City)
FL
120402
Y
Y
Santa Rosa Co. (Uninc. Areas)
FL
120274
Y
Y
Sarasota (City)
FL
125150
N
Y
Sarasota County (Uninc. Areas)
FL
125144
Y
Y
Sewall's Point (Town)
FL
120164
Y
N
St. Augustine (City)
FL
125145
Y
Y
St. Johns County (Uninc. Areas)
FL
125147
Y
Y
St. Lucie County (Uninc. Areas)
FL
120285
Y
Y
St. Petersburg (City)
FL
125148
N
Y
Titusville (City)
FL
125152
N
Y
Venice (City)
FL
125154
N
Y
Volusia County (Uninc. Areas)
FL
125155
Y
Y
Wakulla County (Uninc. Areas)
FL
120315
Y
N
Walton County (Uninc. Areas)
FL
120317
Y
Y
Bryan County (Uninc. Areas)
GA
130016
N
Y
Camden County (Uninc. Areas)
GA
130262
Y
Y
Chatham County (Uninc. Areas)
GA
130030
Y
Y
Glynn County (Uninc. Areas)
GA
130092
Y
Y
Jekyll Island State Park
GA
130201
N
Y
Liberty County (Uninc. Areas)
GA
130123
N
Y
McIntosh County (Uninc. Areas)
GA
130130
N
Y
Cameron Parish (Uninc. Areas)
LA
225194
Y
Y
Grand Isle (Town)
LA
225197
Y
Y
Iberia Parish (Uninc. Areas)
LA
220078
N
Y
Jefferson Parish (Uninc. Areas)
LA
225199
Y
Y
La Fourche Parish (Unincorp.)
LA
225202
Y
N
Plaquemines Parish (Unincorp.)
LA
220139
Y
Y
St. Bernard Parish (Unincorp.)
LA
225204
Y
Y
St. Mary Parish (Uninc. Areas)
LA
220192
Y
N
Terrebonne Parish (Unincorp.)
LA
225206
Y
N
Vermilion Parish (Unincorp.)
LA
220221
Y
Y
Aquinnah (Town)
MA
250070
Y
Y
Barnstable (Town)
MA
250001
Y
Y
Beverly (City)
MA
250077
Y
N
Boston (City)
MA
250286
Y
Y
Bourne (Town)
MA
255210
Y
N
Brewster (Town)
MA
250003
Y
N
Chatham (Town)
MA
250004
Y
Y
Chilmark (Town)
MA
250068
Y
Y
Cohasset (Town)
MA
250236
Y
N
Dartmouth (Town)
MA
250051
Y
Y
Dennis (Town)
MA
250005
Y
Y
Duxbury (Town)
MA
250263
Y
N
Eastham (Town)
MA
250006
Y
Y
Edgartown (Town)
MA
250069
Y
Y
Essex (Town)
MA
250080
Y
N
Fairhaven (Town)
MA
250054
Y
N
Falmouth (Town)
MA
255211
Y
N
Gloucester (City)
MA
250082
Y
N
Gosnold (Town)
MA
250071
Y
Y
Hull (Town)
MA
250269
Y
N
Ipswich (Town)
MA
250086
Y
Y
Kingston (Town)
MA
250270
Y
N
Manchester (Town)
MA
250090
Y
N
Marion (Town)
MA
255213
Y
N
Marshfield (Town)
MA
250273
Y
N
Mashpee (Town)
MA
250009
Y
Y
Mattapoisett (Town)
MA
255214
Y
N
Nantucket (Town)
MA
250230
Y
N
Newbury (Town)
MA
250096
N
Y
Oak Bluffs (Town)
MA
250072
Y
Y
Orleans (Town)
MA
250010
Y
Y
Plymouth (Town)
MA
250278
Y
N
Provincetown (Town)
MA
255218
N
Y
Quincy (City)
MA
255219
N
Y
Rockport (Town)
MA
250100
Y
N
Rowley (Town)
MA
250101
N
Y
Salisbury (Town)
MA
250103
N
Y
Sandwich (Town)
MA
250012
Y
Y
Scituate (Town)
MA
250282
Y
N
Swampscott (Town)
MA
250105
Y
N
Swansea (Town)
MA
255221
Y
N
Tisbury (Town)
MA
250073
Y
N
Truro (Town)
MA
255222
Y
Y
Wareham (Town)
MA
255223
Y
N
Wellfleet (Town)
MA
250014
N
Y
West Tisbury (Town)
MA
250074
Y
N
Westport (Town)
MA
255224
Y
Y
Winthrop (Town)
MA
250289
N
Y
Yarmouth (Town)
MA
250015
Y
Y
Calvert County (Uninc. Areas)
MD
240011
Y
Y
Crisfield (City)
MD
240062
N
Y
Dorchester Co. (Uninc. Areas)
MD
240026
Y
Y
Kent County (Uninc. Areas)
MD
240045
Y
Y
Queen Annes Co. (Uninc. Areas)
MD
240054
Y
N
Somerset County (Uninc. Areas)
MD
240061
Y
Y
St. Marys County (Unin. Areas)
MD
240064
Y
Y
Talbot County (Uninc. Areas)
MD
240066
Y
N
Wicomico County (Uninc. Areas)
MD
240078
Y
N
Worcester Co. (Uninc. Areas)
MD
240083
N
Y
Andrews Island
ME
230967
Y
N
Cape Elizabeth (Town)
ME
230043
Y
Y
Cranberry Isles (Town)
ME
230278
Y
N
Cumberland (Town)
ME
230162
Y
N
Cutler (Town)
ME
230310
Y
Y
Georgetown (Town)
ME
230209
N
Y
Harpswell (Town)
ME
230169
Y
N
Harrington (Town)
ME
230314
Y
N
Islesboro (Town)
ME
230256
Y
N
Jonesport (Town)
ME
230138
Y
N
Kennebunk (Town)
ME
230151
Y
N
Kittery (Town)
ME
230171
Y
N
Lubec (Town)
ME
230139
Y
N
Machiasport (Town)
ME
230141
Y
N
Milbridge (Town)
ME
230142
N
Y
Ogunquit (Town)
ME
230632
N
Y
Perry (Town)
ME
230319
Y
N
Phippsburg (Town)
ME
230120
Y
Y
Portland (City)
ME
230051
Y
N
Roque Bluffs (Town)
ME
230322
Y
Y
Scarborough (Town)
ME
230052
Y
N
Steuben (Town)
ME
230323
Y
Y
Wells (Town)
ME
230158
Y
Y
York (Town)
ME
230159
Y
N
Alpena (City)
MI
260010
Y
N
Alpena (Township)
MI
260011
Y
N
Arcadia (Township)
MI
260306
Y
N
Bay De Noc (Township)
MI
260685
Y
N
Blaine (Township)
MI
260027
Y
N
Brownstown (Charter Township)
MI
260218
Y
N
Cedarville (Township)
MI
260659
Y
N
Clark (Township)
MI
260759
Y
N
Detour (Township)
MI
260775
Y
N
Drummond Island (Township)
MI
260803
Y
N
Ensign (Township)
MI
260752
Y
N
Frenchtown (Township)
MI
260146
Y
N
Garfield (Township)
MI
260766
Y
N
Hendricks (Township)
MI
260806
Y
N
Houghton (Township)
MI
260799
Y
N
Hudson (Township)
MI
260807
Y
N
Huron (Township)
MI
260415
Y
N
LaSalle (Township)
MI
260148
Y
N
Luna Pier (City)
MI
260150
Y
N
McMillan (Township)
MI
260487
Y
N
Moran (Township)
MI
260443
Y
N
Newton (Township)
MI
260647
Y
N
Onota (Township)
MI
260345
Y
N
Port Austin (Township)
MI
260290
Y
N
Powell (Township)
MI
260452
Y
N
St. Ignace (Township)
MI
260444
Y
N
White River (Township)
MI
260299
Y
N
Whitefish (Township)
MI
260321
Y
N
Whitney (Township)
MI
260018
Y
N
Duluth (City)
MN
270421
Y
N
Gautier (City)
MS
280332
Y
N
Hancock County (Uninc. Areas)
MS
285254
Y
N
Harrison County (Uninc. Areas)
MS
285255
Y
Y
Jackson County (Uninc. Areas)
MS
285256
Y
Y
Ocean Springs (City)
MS
285259
Y
N
Atlantic Beach (Town)
NC
370044
N
Y
Bald Head Island (Village)
NC
370442
N
Y
Brunswick Co. (Uninc. Areas)
NC
370295
Y
Y
Carolina Beach (City)
NC
375347
Y
N
Carteret County (Uninc. Areas)
NC
370043
N
Y
Currituck Co. (Uninc. Areas)
NC
370078
Y
Y
Dare County (Uninc. Areas)
NC
375348
Y
Y
Hyde County (Uninc. Areas)
NC
370133
N
Y
Kill Devil Hills (City)
NC
375353
Y
N
Nags Head (Town)
NC
375356
Y
N
New Hanover Co. (Uninc. Areas)
NC
370168
Y
Y
North Topsail Beach (Town)
NC
370466
Y
N
Onslow County (Uninc. Areas)
NC
370340
Y
Y
Pender County (Uninc. Areas)
NC
370344
Y
N
Pine Knoll Shores (Town)
NC
370267
N
Y
Sunset Beach (Town)
NC
375359
Y
N
Wrightsville Beach (Town)
NC
375361
Y
N
Aberdeen (Township)
NJ
340312
N
Y
Bass River (Township)
NJ
340085
N
Y
Berkeley (Township)
NJ
340369
N
Y
Brick (Township)
NJ
345285
Y
Y
Brigantine (City)
NJ
345286
N
Y
Cape May City (City)
NJ
345288
N
Y
Dennis (Township)
NJ
340552
Y
Y
Galloway (Township)
NJ
340008
N
Y
Highlands (Borough)
NJ
345297
N
Y
Keyport (Borough)
NJ
340304
Y
N
Lacey (Township)
NJ
340376
N
Y
Little Egg Harbor (Township)
NJ
340380
N
Y
Long Beach (Township)
NJ
345301
N
Y
Lower (Township)
NJ
340153
N
Y
Maurice River (Township)
NJ
340172
Y
Y
Middle (Township)
NJ
340154
Y
Y
Middletown (Township)
NJ
340313
Y
N
Monmouth Beach (Borough)
NJ
340315
Y
N
North Wildwood (City)
NJ
345308
Y
N
Ocean City (City)
NJ
345310
N
Y
Old Bridge (Township)
NJ
340265
Y
N
Port Republic (City)
NJ
340016
N
Y
Rumson (Borough)
NJ
345316
Y
N
Sea Bright (Borough)
NJ
345317
Y
Y
Stafford (Township)
NJ
340393
Y
Y
Stone Harbor (Borough)
NJ
345323
Y
N
Union Beach (Borough)
NJ
340331
Y
N
Upper (Township)
NJ
340159
N
Y
West Cape May (Borough)
NJ
340160
N
Y
Asharoken (Village)
NY
365333
Y
N
Babylon (Town)
NY
360790
Y
Y
Bayville (Village)
NY
360988
N
Y
Belle Terre (Village)
NY
361532
Y
N
Brookhaven (Town)
NY
365334
Y
Y
Brownville (Town)
NY
361063
Y
N
Cape Vincent (Town)
NY
361062
Y
N
East Hampton (Town)
NY
360794
Y
Y
East Hampton (Village)
NY
360795
Y
N
Ellisburg (Town)
NY
360334
Y
N
Evans (Town)
NY
360240
Y
N
Freeport (Village)
NY
360464
Y
N
Glen Cove (City)
NY
360465
N
Y
Head of the Harbor (Village)
NY
361513
Y
N
Hempstead (Town)
NY
360467
Y
Y
Henderson (Town)
NY
360338
Y
N
Hounsfield (Town)
NY
360340
Y
N
Huntington (Town)
NY
360796
Y
Y
Huntington Bay (Village)
NY
361543
Y
N
Islip (Town)
NY
365337
Y
Y
Lattingtown (Village)
NY
360474
Y
Y
Lloyd Harbor (Village)
NY
360799
Y
Y
Lyme (Town)
NY
360343
Y
N
New Haven (Town)
NY
360655
Y
N
New York (City)
NY
360497
N
Y
Nissequogue (Village)
NY
361510
Y
N
North Haven (Village)
NY
360800
Y
Y
Old Field (Village)
NY
361545
Y
N
Oswego (City)
NY
360656
Y
N
Oswego (Town)
NY
360657
Y
N
Oyster Bay (Town)
NY
360483
Y
Y
Parma (Town)
NY
360425
Y
N
Poquott (Village)
NY
361518
Y
N
Port Jefferson (Village)
NY
360804
Y
Y
Richland (Town)
NY
360660
Y
N
Riverhead (Town)
NY
360805
Y
Y
Sands Point (Village)
NY
360492
Y
Y
Sandy Creek (Town)
NY
360661
Y
N
Scriba (Town)
NY
360663
Y
N
Shelter Island (Town)
NY
360809
Y
N
Smithtown (Town)
NY
360810
Y
N
Sodus (Town)
NY
360898
Y
N
Southampton (Town)
NY
365342
Y
Y
Southampton (Village)
NY
365343
Y
N
Southold (Town)
NY
360813
Y
Y
Sterling (Town)
NY
360126
Y
N
Wolcott (Town)
NY
360901
Y
N
Erie County (Uninc. Areas)
OH
390153
Y
N
Grand River (Village)
OH
390315
Y
N
Kelleys Island (Village)
OH
390738
Y
N
Lake County (Uninc. Areas)
OH
390771
Y
N
Mentor (City)
OH
390317
Y
N
Ottawa County (Uninc. Areas)
OH
390432
Y
N
Puerto Rico
PR
720000
Y
Y
Barrington (Town)
RI
445392
Y
N
Bristol (Town)
RI
445393
Y
N
Charlestown (Town)
RI
445395
Y
Y
Jamestown (Town)
RI
445399
Y
Y
Little Compton (Town)
RI
440035
Y
Y
Middletown (Town)
RI
445401
N
Y
Narragansett (Town)
RI
445402
Y
Y
New Shoreham (Town)
RI
440036
Y
Y
Newport (City)
RI
445403
Y
Y
North Kingstown (Town)
RI
445404
Y
N
Portsmouth (Town)
RI
445405
Y
Y
South Kingstown (Town)
RI
445407
Y
Y
Tiverton (Town)
RI
440012
Y
N
Warren (Town)
RI
445408
Y
N
Warwick (City)
RI
445409
Y
Y
Westerly (Town)
RI
445410
Y
Y
Beaufort County (Uninc. Areas)
SC
450025
Y
Y
Briarcliffe Acres (Town)
SC
450232
Y
N
Charleston (City)
SC
455412
Y
N
Charleston Co. (Uninc. Areas)
SC
455413
Y
Y
Colleton County (Uninc. Areas)
SC
450056
Y
Y
Edisto Beach (Town)
SC
455414
N
Y
Folly Beach (Town)
SC
455415
Y
Y
Georgetown Co. (Uninc. Areas)
SC
450085
Y
Y
Horry County (Uninc. Areas)
SC
450104
Y
N
Jasper County (Uninc. Areas)
SC
450112
N
Y
McClellanville (Town)
SC
450039
N
Y
North Myrtle Beach (Town)
SC
450110
Y
N
Pawleys Island (Town)
SC
450255
Y
N
Aransas County (Uninc. Areas)
TX
485452
Y
Y
Aransas Pass (City)
TX
485453
N
Y
Brazoria County (Uninc. Areas)
TX
485458
Y
Y
Calhoun County (Uninc. Areas)
TX
480097
Y
Y
Cameron County (Uninc. Areas)
TX
480101
Y
Y
Chambers County (Uninc. Areas)
TX
480119
Y
N
Corpus Christi (City)
TX
485464
Y
Y
Galveston (City)
TX
485469
N
Y
Galveston Co. (Uninc. Areas)
TX
485470
Y
Y
Jefferson Co. (Uninc. Areas)
TX
480385
Y
Y
Kenedy County (Uninc. Areas)
TX
481230
N
Y
Kleberg County (Uninc. Areas)
TX
480423
Y
Y
Matagorda Co. (Uninc. Areas)
TX
485489
Y
Y
Nueces County (Uninc. Areas)
TX
485494
N
Y
Port Aransas (City)
TX
485498
N
Y
Port Arthur (City)
TX
485499
Y
Y
Quintana (Village)
TX
481301
Y
N
South Padre Island (Town)
TX
480115
N
Y
Texas City (City)
TX
485514
Y
Y
Willacy County (Uninc. Areas)
TX
480664
Y
Y
Accomack County (Uninc. Areas)
VA
510001
Y
Y
Gloucester Co. (Uninc. Areas)
VA
510071
Y
N
Hampton (City)
VA
515527
Y
Y
Lancaster Co. (Uninc. Areas)
VA
510084
Y
N
Mathews Co. (Uninc. Areas)
VA
510096
Y
N
Middlesex Co. (Uninc. Areas)
VA
510098
Y
N
Northampton Co. (Uninc. Areas)
VA
510105
Y
Y
Northumberland Co. (Uninc. Areas)
VA
510107
Y
Y
Poquoson (City)
VA
510183
N
Y
Tangier (Town)
VA
510004
Y
N
Virginia Beach (City)
VA
515531
N
Y
Westmoreland Co. (Uninc. Areas)
VA
510250
Y
N
Virgin Islands
VI
780000
Y
Y
Bayfield County (Uninc. Areas)
WI
550539
Y
N
Brown County (Uninc. Areas)
WI
550020
Y
N
Manitowoc Co. (Uninc. Areas)
WI
550236
Y
N
Marinette Co. (Uninc. Areas)
WI
550259
Y
N


COMMUNITY RATING SYSTEM




LII.   GENERAL DESCRIPTION

The Community Rating System (CRS) is a
voluntary program for NFIP-participating
communities. The goals of the CRS are to
reduce flood losses, to facilitate accurate
insurance rating, and to promote the awareness
of flood insurance.

The CRS has been developed to provide
incentives for communities to go beyond the
minimum floodplain management requirements to
develop extra measures to provide protection
from flooding. The incentives are in the form of
premium discounts.

LIII. ELIGIBILITY

For a community to be eligible, the community
must be in full compliance with the NFIP and be
in the Regular phase of the program.
Communities in the Emergency phase of the
program are not eligible.

LIV.   CLASSIFICATIONS AND DISCOUNTS

All communities start out with a Class 10 rating
(which provides no discount). There are 10 CRS
classes: Class 1 requires the most credit points
and gives the greatest premium discount; Class
10 identifies a community that does not apply for
the CRS, or does not obtain a minimum number
of credit points and receives no discount. There
are 18 activities recognized as measures for
eliminating exposure to floods. Credit points are
assigned to each activity. The activities are
organized under four main categories: Public
Information, Mapping and Regulation, Flood
Damage Reduction, and Flood Preparedness.
Once a community applies to the appropriate
FEMA region for the CRS program and its
implementation is verified, FEMA sets the CRS
classification based upon the credit points. This
classification determines the premium discount
for
policyholders. Premium discounts ranging from 5
percent to a maximum of 45 percent will be
applied to every policy written in a community as
recognition of the floodplain management
activities instituted.

The table below shows premium discounts for
CRS Classes 1-10 within different flood zones.

LV.   CRS ACTIVITIES THAT CAN DIRECTLY
      BENEFIT INSURANCE AGENTS

Certain activities that are credited under the CRS
provide direct benefit to agents writing flood
insurance.

All CRS communities must maintain completed
FEMA elevation and floodproofing certificates for
all new and substantially improved construction in
the Special Flood Hazard Area after the date of
application for CRS classification. These cer-
tificates must be available upon request.
Therefore, in writing a policy, an agent should be
able to get these certificates from any CRS
community. In addition, some CRS communities
receive credit for having completed certificates for
Post-FIRM buildings constructed prior to the CRS
application date. If they do receive this credit,
then these certificates should also be available to
agents writing flood insurance. The community
may charge a fee for copying certificates for
inquirers.

Many CRS communities receive credit for
providing inquirers with information from the
community's FIRM. This includes a property's
flood risk zone and the Base Flood Elevation. The
service must be publicized once a year. If a
community is receiving this credit, then agents
should be able to use the service. A fee may be
charged for the service.
                     CRS PREMIUM DISCOUNTS
           Class      Discount                Class      Discount
      1
      2
      3
      4
      5
45%
40%
35%
30%
25%
      6
      7
      8
      9
      10
20%
15%
10%
 5%
 ---
SFHA (Zones A, AE, A1-A30, V, V1-V30, AO, and AH): Discount varies
depending on class.

SFHA (Zones A99, AR, AR/A, AR/AE, AR/A1-A30, AR/AH, and AR/AO):
10% discount for Classes 1-6; 5% discount for Classes 7-9.*

Non-SFHA (Zones B, C, X, D): 10% discount for Classes 1-6; 5%
discount for Classes 7-9.

Preferred Risk Policies and Mortgage Portfolio Protection Program
policies
are not eligible for CRS Premium Discounts.
*For the purpose of determining CRS Premium Discounts, all
AR and A99 zones are
 treated as non-SFHAs.


COMMUNI
TY
NUMBER
COMMUNITY NAME
CRS
ENTRY
DATE
CURREN
T
EFFECTI
VE
DATE
CURREN
T
CLASS
%
DISCOUNT
FOR
SFHA1
%
DISCOUNT
FOR
NON-
SFHA2
STATU
S3

Alabama




010146
Athens, City of
10/1/91
10/1/98
10
0
0
R
010071
Atmore, City of
05/1/02
05/1/02
8
10
5
C
015000
Baldwin County
10/1/95
10/1/95
9
5
5
C
010116
Birmingham, City of
10/1/94
04/1/01
7
15
5
C
010418
Dauphin Island, Town of
04/1/01
04/1/01
8
10
5
C
010176
Decatur, City of
10/1/91
10/1/91
9
5
5
C
015005
Gulf Shores, Town of
10/1/93
10/1/93
9
5
5
C
015006
Homewood, City of
10/1/01
10/1/01
9
5
5
C
010123
Hoover, City of
10/1/91
10/1/91
9
5
5
C
010153
Huntsville, City of
10/1/91
05/1/03
7
15
5
C
015007
Mobile, City of
10/1/92
10/1/93
10
0
0
R
015011
Orange Beach, City of
10/1/91
10/1/93
8
10
5
C
010189
Pell City, City of
10/1/92
10/1/92
9
5
5
C
010002
Prattville, City of
10/1/91
10/1/91
9
5
5
C
010070
Wetumpka, City of
10/1/91
10/1/91
9
5
5
C

Alaska




020005
Anchorage, Municipality of
10/1/95
10/1/04
7
15
5
C
020012
Kenai Peninsula, Borough of
04/1/00
04/1/00
8
10
5
C
020094
Valdez, City of
10/1/92
10/1/92
9
5
5
C

Arizona




040013
Benson, Town of
10/1/91
10/1/92
10
0
0
R
040014
Bisbee, City of
10/1/91
10/1/92
10
0
0
R
040131
Camp Verde, Town of
10/1/91
10/1/96
8
10
5
C
040080
Casa Grande, City of
10/1/91
10/1/01
8
10
5
C
040040
Chandler, City of
10/1/91
05/1/04
7
15
5
C
040094
Chino Valley, Town of
10/1/91
10/1/93
8
10
5
C
040095
Clarkdale, Town of
10/1/91
10/1/96
8
10
5
C
040012
Cochise County
10/1/91
10/1/91
9
5
5
C
040019
Coconino County
10/1/91
10/1/99
8
10
5
C
040020
Flagstaff, City of
10/1/91
10/1/99
8
10
5
C
040028
Gila County
10/1/91
10/1/92
10
0
0
R
040044
Gilbert, Town of
10/1/91
10/1/92
8
10
5
C
040045
Glendale, City of
10/1/91
10/1/99
8
10
5
C
040067
Holbrook, City of
10/1/95
10/1/00
8
10
5
C
040037
Maricopa County
10/1/91
05/1/02
5
25
10
C
040048
Mesa, City of
10/1/91
04/1/98
10
0
0
R
040058
Mohave County
10/1/95
10/1/95
9
5
5
C
040066
Navajo County
10/1/92
10/1/92
9
5
5
C
040051
Phoenix, City of
10/1/92
10/1/02
6
20
10
C
040073
Pima County
10/1/91
04/1/01
6
20
10
C
040098
Prescott, City of
10/1/91
10/1/01
8
10
5
C
040090
Santa Cruz County
10/1/03
10/1/03
7
15
5
C
045012
Scottsdale, City of
10/1/91
10/1/95
7
15
5
C
040130
Sedona, City of
10/1/91
10/1/91
9
5
5
C


COMMUNI
TY
NUMBER
COMMUNITY NAME
CRS
ENTRY
DATE
CURREN
T
EFFECTI
VE
DATE
CURREN
T
CLASS
%
DISCOUNT
FOR
SFHA1
%
DISCOUNT
FOR
NON-
SFHA2
STATU
S3

Arizona (continued)




040069
Show Low, City of
10/1/91
10/1/91
9
5
5
C
040054
Tempe, City of
10/1/91
05/1/02
8
10
5
C
040076
Tucson, City of
10/1/91
10/1/02
7
15
5
C
040056
Wickenburg, Town of
10/1/92
10/1/92
9
5
5
C
040031
Winkelman, Town of
10/1/91
10/1/95
10
0
0
R
040093
Yavapai County
10/1/91
10/1/92
8
10
5
C

Arkansas




050029
Arkadelphia, City of
10/1/91
10/1/91
9
5
5
C
050192
Benton, City of
10/1/93
10/1/93
9
5
5
C
050419
Benton County
05/1/05
05/1/05
8
10
5
C
050012
Bentonville, City of
10/1/92
10/1/02
8
10
5
C
050140
Blytheville, City of
10/1/95
10/1/95
9
5
5
C
050046
Bono, City of
10/1/92
05/1/02
8
10
5
C
050308
Bryant, City of
10/1/92
10/1/92
9
5
5
C
050433
Garland County
10/1/93
10/1/93
9
5
5
C
050168
Helena, City of
10/1/93
10/1/99
10
0
0
R
050084
Hot Springs, City of
10/1/93
10/1/93
9
5
5
C
050180
Jacksonville, City of
10/1/94
10/1/04
8
10
5
C
050048
Jonesboro, City of
10/1/92
10/1/92
9
5
5
C
050181
Little Rock, City of
10/1/91
10/1/01
8
10
5
C
050088
Malvern, City of
10/1/91
10/1/96
10
0
0
R
050109
Pine Bluff, City of
10/1/94
10/1/95
10
0
0
R
050055
West Memphis, City of
10/1/92
10/1/02
8
10
5
C
California




060001
Alameda County
10/1/92
10/1/99
7
15
5
C
060213
Anaheim, City of
10/1/91
05/1/02
6
20
10
C
060714
Clearlake, City of
05/1/03
05/1/03
9
5
5
C
060025
Contra Costa County
10/1/91
04/1/01
6
20
10
C
065023
Corte Madera, Town of
10/1/03
10/1/03
8
10
5
C
060370
Fairfield, City of
10/1/92
05/1/02
8
10
5
C
060218
Fountain Valley, City of
10/1/96
04/1/98
8
10
5
C
065028
Fremont, City of
04/1/01
04/1/01
7
15
5
C
065029
Fresno County
10/1/91
10/1/02
6
20
10
C
060048
Fresno, City of
10/1/92
10/1/02
6
20
10
C
065034
Huntington Beach, City of
10/1/95
10/1/00
7
15
5
C
060222
Irvine, City of
10/1/91
05/1/02
8
10
5
C
060075
Kern County
10/1/91
10/1/93
8
10
5
C
060090
Lake County
10/1/95
10/1/00
7
15
5
C
060136
Long Beach, City of
10/1/93
10/1/03
7
15
5
C
060341
Los Altos, City of
10/1/91
10/1/96
8
10
5
C
065043
Los Angeles County
10/1/91
10/1/96
8
10
5
C
060137
Los Angeles, City of
10/1/91
10/1/02
8
10
5
C
060344
Milpitas, City of
10/1/91
10/1/01
5
25
10
C
060195
Monterey County
10/1/91
10/1/02
6
20
10
C


COMMUNI
TY
NUMBER
COMMUNITY NAME
CRS
ENTRY
DATE
CURREN
T
EFFECTIV
E
DATE
CURRE
NT
CLASS
%
DISCOUNT
FOR
SFHA1
%
DISCOUNT
FOR
NON-
SFHA2
STATU
S3

California (continued)




065074
Moreno Valley, City of
10/1/91
10/1/96
8
10
5
C
060346
Morgan Hill, City of
05/1/03
05/1/03
7
15
5
C
060347
Mountain View, City of
05/1/02
05/1/02
8
10
5
C
060751
Murrieta, City of
10/1/97
10/1/97
9
5
5
C
060207
Napa, City of
04/1/01
04/1/01
7
15
5
C
060227
Newport Beach, City of
10/1/93
05/1/03
8
10
5
C
060178
Novato, City of
10/1/95
10/1/00
7
15
5
C
060294
Oceanside, City of
10/1/91
10/1/96
8
10
5
C
060212
Orange County
10/1/91
05/1/02
7
15
5
C
060228
Orange, City of
10/1/92
10/1/92
9
5
5
C
060257
Palm Springs, City of
10/1/92
10/1/00
8
10
5
C
060348
Palo Alto, City of
10/1/91
10/1/01
7
15
5
C
060379
Petaluma, City of
10/1/91
10/1/96
6
20
10
C
060239
Placer County
10/1/91
10/1/01
6
20
10
C
060034
Pleasant Hill, City of
05/1/03
05/1/03
8
10
5
C
060012
Pleasanton, City of
10/1/92
10/1/97
8
10
5
C
060360
Redding, City of
10/1/96
10/1/01
6
20
10
C
060035
Richmond, City of
10/1/95
10/1/95
9
5
5
C
060243
Roseville, City of
10/1/92
10/1/02
5
25
10
C
060262
Sacramento County
10/1/92
10/1/02
5
25
10
C
060266
Sacramento, City of
10/1/91
10/1/96
6
20
10
C
060202
Salinas, City of
10/1/91
10/1/02
7
15
5
C
060284
San Diego County
10/1/94
10/1/95
10
0
0
R
060299
San Joaquin County
10/1/93
05/1/03
6
20
10
C
060349
San Jose, City of
10/1/91
10/1/01
7
15
5
C
060231
San Juan Capistrano, City of
10/1/91
10/1/02
8
10
5
C
060310
San Luis Obispo, City of
10/1/91
10/1/96
8
10
5
C
060710
San Ramon, City of
10/1/91
04/1/01
7
15
5
C
060331
Santa Barbara County
10/1/91
10/1/01
7
15
5
C
060350
Santa Clara, City of
05/1/02
05/1/02
8
10
5
C
060337
Santa Clara County
05/1/04
05/1/04
8
10
5
C
060729
Santa Clarita, City of
10/1/01
10/1/01
9
5
5
C
060355
Santa Cruz, City of
10/1/92
05/1/02
7
15
5
C
060421
Simi Valley, City of
10/1/93
10/1/93
9
5
5
C
060631
Solano County
10/1/91
10/1/93
8
10
5
C
060375
Sonoma County
10/1/91
10/1/92
10
0
0
R
060302
Stockton, City of
10/1/96
10/1/97
8
10
5
C
060352
Sunnyvale, City of
10/1/98
05/1/03
7
15
5
C
060400
Tehema, City of
10/1/03
10/1/03
7
15
5
C
060373
Vacaville, City of
10/1/95
10/1/00
8
10
5
C
065070
Walnut Creek, City of
10/1/91
04/1/01
7
15
5
C
060357
Watsonville, City of
10/1/92
10/1/02
7
15
5
C
060238
Yorba Linda, City of
10/1/93
10/1/04
10
0
0
R
060427
Yuba County
10/1/03
10/1/03
8
10
5
C

Colorado




080001
Adams County
10/1/93
10/1/03
10
0
0
R


COMMUNI
TY
NUMBER
COMMUNITY NAME
CRS
ENTRY
DATE
CURREN
T
EFFECTIV
E
DATE
CURRE
NT
CLASS
%
DISCOUNT
FOR
SFHA1
%
DISCOUNT
FOR
NON-
SFHA2
STATU
S3

Colorado (continued)




080009
Alamosa County
10/1/96
10/1/96
9
5
5
C
080010
Alamosa, City of
10/1/91
10/1/91
9
5
5
C
080011
Arapahoe County
10/1/91
10/1/92
8
10
5
C
080273
Archuleta County
10/1/92
10/1/98
10
0
0
R
085072
Arvada, City of
10/1/91
10/1/96
7
15
5
C
080002
Aurora, City of
10/1/92
10/1/97
8
10
5
C
080023
Boulder County
10/1/91
10/1/96
8
10
5
C
080024
Boulder, City of
10/1/92
10/1/97
8
10
5
C
080130
Brush, City of
10/1/94
10/1/94
9
5
5
C
080068
Canon City, City of
10/1/92
10/1/92
9
5
5
C
080013
Cherry Hills Village, City of
10/1/96
10/1/01
8
10
5
C
080060
Colorado Springs, City of
10/1/92
10/1/92
9
5
5
C
080043
Delta, City of
10/1/96
10/1/00
7
15
5
C
080046
Denver, City and County of
10/1/96
10/1/96
9
5
5
C
080049
Douglas County
10/1/96
10/1/96
9
5
5
C
080099
Durango, City of
10/1/92
10/1/92
9
5
5
C
080059
El Paso County
10/1/92
10/1/92
9
5
5
C
085074
Englewood, City of
10/1/95
10/1/96
8
10
5
C
080102
Fort Collins, City of
10/1/91
10/1/01
4
30
10
C
080061
Fountain, City of
10/1/92
10/1/92
9
5
5
C
080067
Fremont County
10/1/93
10/1/93
9
5
5
C
080245
Frisco, Town of
10/1/93
10/1/98
8
10
5
C
080090
Golden, City of
10/1/96
10/1/96
9
5
5
C
080062
Green Mountain Falls, Town of
10/1/03
10/1/03
9
5
5
C
080078
Gunnison County
10/1/94
10/1/94
9
5
5
C
080080
Gunnison, City of
10/1/95
10/1/95
9
5
5
C
085075
Lakewood, City of
10/1/91
10/1/96
7
15
5
C
080101
Larimer County
10/1/92
10/1/97
10
0
0
R
080017
Littleton, City of
10/1/92
10/1/97
7
15
5
C
080027
Longmont, City of
10/1/92
10/1/97
8
10
5
C
085076
Louisville, City of
10/1/91
10/1/91
9
5
5
C
080063
Manitou Springs, City of
10/1/92
10/1/92
9
5
5
C
080064
Monument, Town of
10/1/03
10/1/03
9
5
5
C
080092
Morrison, Town of
10/1/96
10/1/96
9
5
5
C
080065
Palmer Lake, Town of
10/1/03
10/1/03
9
5
5
C
080310
Parker, Town of
10/1/92
10/1/97
7
15
5
C
080287
Pitkin County
10/1/92
10/1/97
8
10
5
C
080153
Rio Grande County
10/1/92
10/1/97
10
0
0
R
080018
Sheridan, City of
10/1/93
10/1/03
10
0
0
R
080201
Silverthorne, Town of
10/1/96
10/1/96
9
5
5
C
080159
Steamboat Springs, Town of
10/1/93
10/1/93
9
5
5
C
080168
Telluride, Town of
10/1/94
10/1/00
7
15
5
C
080007
Thornton, City of
10/1/94
10/1/99
8
10
5
C
080054
Vail, Town of
10/1/91
10/1/01
7
15
5
C
080008
Westminster, City of
10/1/91
10/1/92
8
10
5
C
085079
Wheat Ridge, City of
10/1/91
10/1/96
7
15
5
C




COMMUNI
TY
NUMBER
COMMUNITY NAME
CRS
ENTRY
DATE
CURREN
T
EFFECTIV
E
DATE
CURRE
NT
CLASS
%
DISCOUNT
FOR
SFHA1
%
DISCOUNT
FOR
NON-
SFHA2
STATU
S3

Connecticut




090074
Cheshire, Town of
10/1/93
10/1/03
10
0
0
R
090076
East Haven, Town of
10/1/03
10/1/04
8
10
5
C
090096
East Lyme, Town of
10/1/91
10/1/91
9
5
5
C
090078
Hamden, Town of
10/1/93
10/1/95
8
10
5
C
090011
Newtown, Town of
10/1/91
10/1/91
9
5
5
C
090012
Norwalk, City of
10/1/93
10/1/98
10
0
0
R
090015
Stamford, City of
10/1/02
10/1/02
7
15
5
C
090193
Stonington, Borough of
10/1/04
10/1/04
9
5
5
C
090106
Stonington, Town of
05/1/04
05/1/04
9
5
5
C
095082
West Hartford,Town of
10/1/91
10/1/91
9
5
5
C
090070
Westbrook, Town of
05/1/05
05/1/05
9
5
5
C
090019
Westport, Town of
10/1/95
10/1/00
8
10
5
C

Delaware




100056
Dewey Beach, Town of
10/1/94
10/1/99
8
10
5
C
105084
Fenwick Island, Town of
10/1/94
10/1/04
8
10
5
C
100041
Lewes, City of
10/1/92
10/1/92
9
5
5
C
100026
New Castle, City of
10/1/94
10/1/99
8
10
5
C
100025
Newark,City of
10/1/92
10/1/01
7
15
5
C
105086
Rehoboth Beach, City of
10/1/94
10/1/95
8
10
5
C
100048
Seaford, City of
10/1/96
10/1/96
9
5
5
C

Florida




120001
Alachua County
10/1/95
10/1/00
8
10
5
C
120290
Altamonte Springs, City of
10/1/94
10/1/96
8
10
5
C
125087
Anna Maria, City of
10/1/91
05/1/97
8
10
5
C
120180
Apopka, City of
10/1/93
05/1/03
8
10
5
C
120193
Atlantis, City of
10/1/92
10/1/94
8
10
5
C
120676
Aventura, City of
10/1/00
05/1/05
7
15
5
C
120419
Baker County
10/1/01
10/1/01
8
10
5
C
120636
Bal Harbour, Village of
10/1/96
10/1/97
8
10
5
C
120004
Bay County
10/1/93
10/1/98
8
10
5
C
120637
Bay Harbor Islands, Town of
10/1/94
10/1/99
7
15
5
C
125089
Belleair Beach, City of
10/1/92
10/1/01
7
15
5
C
120195
Boca Raton, City of
10/1/92
10/1/94
8
10
5
C
120196
Boynton Beach, City of
10/1/91
10/1/93
8
10
5
C
125091
Bradenton Beach, City of
10/1/91
10/1/96
8
10
5
C
120155
Bradenton, City of
10/1/91
10/1/00
7
15
5
C
125092
Brevard County
10/1/91
10/1/93
8
10
5
C
125093
Broward County
10/1/92
10/1/96
8
10
5
C
120005
Callaway, City of
10/1/93
10/1/93
9
5
5
C
125094
Cape Canaveral, City of
10/1/93
10/1/99
8
10
5
C
125095
Cape Coral, City of
10/1/91
05/1/05
7
15
5
C
120090
Carrabelle, City of
10/1/93
10/1/93
9
5
5
C
120061
Charlotte County
10/1/92
05/1/04
5
25
10
C
120063
Citrus County
10/1/01
10/1/01
7
15
5
C


COMMUNI
TY
NUMBER
COMMUNITY NAME
C
R
S
E
N
T
R
Y
D
A
T
E
CURRENT
EFFECTIV
E
DATE
CURRE
NT
CLASS
%
DISCOUNT
FOR
SFHA1
%
DISCOUNT
FOR
NON-
SFHA2
STATU
S3

Florida (continued)




120064
Clay County
10/1/96
10/1/00
8
10
5
C
125096
Clearwater, City of
10/1/91
10/1/00
7
15
5
C
120198
Cloud Lake, Town of
10/1/94
10/1/96
8
10
5
C
125097
Cocoa Beach, City of
10/1/94
10/1/04
10
0
0
R
120020
Cocoa, City of
10/1/94
10/1/04
10
0
0
R
120031
Coconut Creek, City of
10/1/92
10/1/01
7
15
5
C
120067
Collier County
10/1/92
10/1/95
7
15
5
C
120070
Columbia County
10/1/96
10/1/96
9
5
5
C
120032
Cooper City, City of
10/1/92
10/1/96
8
10
5
C
120639
Coral Gables, City of
10/1/93
10/1/98
8
10
5
C
120033
Coral Springs, City of
10/1/92
10/1/94
8
10
5
C
120034
Dania, City of
10/1/93
10/1/93
9
5
5
C
120035
Davie, City of
10/1/94
10/1/04
8
10
5
C
125100
Daytona Beach Shores, City of
10/1/92
10/1/94
8
10
5
C
125099
Daytona Beach, City of
10/1/94
05/1/03
7
15
5
C
125101
Deerfield Beach, City of
10/1/92
10/1/93
8
10
5
C
125102
Delray Beach, City of
10/1/94
10/1/94
9
5
5
C
125158
Destin, City of
10/1/94
05/1/04
7
15
5
C
125103
Dunedin, City of
10/1/92
04/1/98
8
10
5
C
120308
Edgewater, City of
10/1/92
10/1/97
8
10
5
C
120080
Escambia County
10/1/91
05/1/02
8
10
5
C
120146
Fanning Springs, Town of
10/1/93
10/1/93
9
5
5
C
120120
Fellsmere, City of
10/1/99
10/1/04
9
5
5
C
120172
Fernandina Beach, City of
10/1/92
10/1/02
7
15
5
C
120087
Flagler Beach, City of
10/1/95
10/1/00
7
15
5
C
125105
Fort Lauderdale, City of
10/1/92
10/1/01
8
10
5
C
125106
Fort Myers, City of
10/1/93
10/1/98
8
10
5
C
120673
Fort Myers Beach, Town of
10/1/99
10/1/99
7
15
5
C
120286
Fort Pierce, City of
10/1/92
10/1/01
8
10
5
C
120174
Fort Walton Beach, City of
10/1/92
10/1/02
7
15
5
C
120088
Franklin County
10/1/93
10/1/02
8
10
5
C
125107
Gainesville, City of
10/1/92
10/1/97
8
10
5
C
120200
Glen Ridge, Town of
10/1/94
10/1/96
8
10
5
C
120642
Golden Beach, Town of
10/1/93
10/1/02
10
0
0
R
120275
Gulf Breeze, City of
10/1/93
10/1/93
9
5
5
C
120098
Gulf County
10/1/93
10/1/93
9
5
5
C
125109
Gulf Stream, Town of
10/1/99
10/1/99
8
10
5
C
125108
Gulfport, City of
10/1/93
10/1/03
7
15
5
C
125110
Hallandale Beach, City of
10/1/94
05/1/05
7
15
5
C
120103
Hardee County
10/1/96
05/1/04
10
0
0
R
120107
Hendry County
10/1/00
10/1/00
8
10
5
C
120110
Hernando County
10/1/92
10/1/94
8
10
5
C
120643
Hialeah, City of
10/1/93
10/1/97
8
10
5
C
125111
Highland Beach, Town of
10/1/93
10/1/93
9
5
5
C
120111
Highlands County
10/1/94
10/1/04
8
10
5
C
120040
Hillsboro Beach, Town of
10/1/94
10/1/94
9
5
5
C
120112
Hillsborough County
10/1/92
10/1/02
6
20
10
C


COMMUNI
TY
NUMBER
COMMUNITY NAME
C
R
S
E
N
T
R
Y
D
A
T
E
CURRENT
EFFECTIV
E
DATE
CURRE
NT
CLASS
%
DISCOUNT
FOR
SFHA1
%
DISCOUNT
FOR
NON-
SFHA2
STATU
S3

Florida (continued)




125112
Holly Hill, City of
10/1/94
10/1/94
9
5
5
C
125113
Hollywood, City of
10/1/92
10/1/93
8
10
5
C
125114
Holmes Beach, City of
10/1/91
05/1/97
8
10
5
C
120207
Hypoluxo, Town of
10/1/94
10/1/96
8
10
5
C
120119
Indian River County
10/1/92
01/1/98
7
15
5
C
120121
Indian River Shores, Town of
10/1/94
10/1/95
8
10
5
C
125117
Indian Rocks Beach, City of
10/1/92
10/1/93
8
10
5
C
125118
Indian Shores, Town of
10/1/93
05/1/97
7
15
5
C
120125
Jackson County
10/1/02
10/1/02
9
5
5
C
120078
Jacksonville Beach, City of
10/1/92
10/1/02
8
10
5
C
120077
Jacksonville, City of
10/1/91
10/1/02
7
15
5
C
120331
Jefferson County
10/1/96
10/1/96
9
5
5
C
120208
Juno Beach, Town of
10/1/93
10/1/00
5
25
10
C
120162
Jupiter Island, Town of
10/1/95
10/1/00
8
10
5
C
125119
Jupiter, Town of
10/1/94
10/1/00
7
15
5
C
120245
Kenneth City, Town of
10/1/92
10/1/92
9
5
5
C
120648
Key Biscayne, City of
04/1/98
04/1/00
6
20
10
C
125121
Key Colony Beach, City of
10/1/92
10/1/95
8
10
5
C
120168
Key West, City of
10/1/92
10/1/99
10
0
0
R
120190
Kissimmee, City of
10/1/96
10/1/01
8
10
5
C
120211
Lake Clarke Shores, Town of
10/1/94
10/1/94
9
5
5
C
120421
Lake County
10/1/94
10/1/97
8
10
5
C
120212
Lake Park, Town of
10/1/92
10/1/92
9
5
5
C
120213
Lake Worth, City of
10/1/96
10/1/96
9
5
5
C
120267
Lakeland, City of
10/1/04
10/1/04
8
10
5
C
120214
Lantana, Town of
10/1/94
10/1/94
9
5
5
C
125122
Largo, City of
10/1/92
10/1/97
7
15
5
C
125123
Lauderdale by the Sea, City of
04/1/00
05/1/05
8
10
5
C
120044
Lauderhill, City of
10/1/92
10/1/92
9
5
5
C
120169
Layton, City of
10/1/01
10/1/01
8
10
5
C
125124
Lee County
10/1/91
10/1/01
6
20
10
C
120145
Levy County
10/1/94
10/1/99
8
10
5
C
125125
Lighthouse Point, City of
10/1/93
10/1/94
8
10
5
C
125126
Longboat Key, Town of
10/1/91
10/1/96
7
15
5
C
120292
Longwood, City of
10/1/96
10/1/96
9
5
5
C
120009
Lynn Haven, City of
10/1/92
10/1/92
9
5
5
C
125127
Madeira Beach, City of
10/1/92
10/1/93
8
10
5
C
120149
Madison County
10/1/94
10/1/00
8
10
5
C
120215
Manalapan, Town of
10/1/92
10/1/92
9
5
5
C
120153
Manatee County
10/1/91
10/1/96
7
15
5
C
120216
Mangonia Park, Town of
10/1/94
10/1/94
9
5
5
C
120426
Marco Island, City of
10/1/00
10/1/00
7
15
5
C
120047
Margate, City of
10/1/92
10/1/95
8
10
5
C
120160
Marion County
10/1/94
10/1/94
9
5
5
C
120161
Martin County
10/1/92
10/1/00
7
15
5
C
120025
Melbourne, City of
10/1/93
10/1/03
8
10
5
C
120650
Miami, City of
10/1/94
10/1/99
8
10
5
C


COMMUNI
TY
NUMBER
COMMUNITY NAME
C
R
S
E
N
T
R
Y
D
A
T
E
CURRENT
EFFECTIV
E
DATE
CURRE
NT
CLASS
%
DISCOUNT
FOR
SFHA1
%
DISCOUNT
FOR
NON-
SFHA2
STATU
S3

Florida (continued)




120651
Miami Beach, City of
10/1/96
10/1/01
7
15
5
C
120652
Miami Shores Village, Village
of
10/1/00
10/1/00
8
10
5
C
120635
Miami-Dade County
10/1/94
10/1/03
5
25
10
C
120048
Miramar, City of
10/1/93
10/1/94
8
10
5
C
125129
Monroe County
10/1/91
05/1/97
10
0
0
R
125130
Naples, City of
10/1/92
10/1/02
6
20
10
C
120079
Neptune Beach, City of
10/1/94
10/1/04
8
10
5
C
120232
New Port Richey, City of
10/1/93
10/1/95
8
10
5
C
125132
New Smyrna Beach, City of
10/1/91
10/1/00
7
15
5
C
120338
Niceville, City of
10/1/93
04/1/98
8
10
5
C
120049
North Lauderdale, City of
10/1/93
10/1/93
9
5
5
C
120656
North Miami Beach, City of
10/1/93
10/1/98
8
10
5
C
120655
North Miami, City of
10/1/94
10/1/01
5
25
10
C
120217
North Palm Beach, Village of
10/1/94
10/1/99
8
10
5
C
120279
North Port, City of
10/1/92
10/1/93
8
10
5
C
125133
North Redington Beach,
Town of
10/1/92
10/1/98
8
10
5
C
120050
Oakland Park, City of
10/1/94
10/1/94
9
5
5
C
120330
Ocala, City of
10/1/91
10/1/01
8
10
5
C
125134
Ocean Ridge, Town of
10/1/92
01/1/98
8
10
5
C
120173
Okaloosa County
10/1/95
10/1/00
7
15
5
C
120177
Okeechobee County
10/1/96
10/1/00
8
10
5
C
120250
Oldsmar, City of
10/1/92
10/1/01
7
15
5
C
120179
Orange County
10/1/91
05/1/02
6
20
10
C
120186
Orlando, City of
10/1/93
10/1/94
8
10
5
C
125136
Ormond Beach, City of
10/1/92
10/1/94
8
10
5
C
120189
Osceola County
10/1/94
10/1/03
7
15
5
C
120404
Palm Bay, City of
10/1/93
10/1/98
8
10
5
C
120192
Palm Beach County
10/1/91
05/1/02
7
15
5
C
120221
Palm Beach Gardens, City of
10/1/03
10/1/03
9
5
5
C
125137
Palm Beach Shores, Town of
10/1/94
10/1/94
9
5
5
C
120220
Palm Beach, Town of
10/1/92
10/1/02
7
15
5
C
120684
Palm Coast, City of
05/1/04
05/1/04
7
15
5
C
120223
Palm Springs, Village of
10/1/92
10/1/97
8
10
5
C
120159
Palmetto, City of
10/1/91
10/1/93
8
10
5
C
120012
Panama City, City of
10/1/93
10/1/02
7
15
5
C
120011
Parker, City of
10/1/94
10/1/04
8
10
5
C
120230
Pasco County
10/1/92
10/1/02
8
10
5
C
120053
Pembroke Pines, City of
10/1/94
10/1/98
7
15
5
C
120082
Pensacola, City of
10/1/02
10/1/02
8
10
5
C
125138
Pensacola Beach-Santa Rosa
Island Authority
10/1/91
05/1/03
8
10
5
C
125139
Pinellas County
10/1/93
10/1/94
8
10
5
C
120251
Pinellas Park, City of
10/1/91
10/1/96
7
15
5
C
120054
Plantation, City of
10/1/92
10/1/02
7
15
5
C
120261
Polk County
10/1/92
10/1/03
7
15
5
C
120055
Pompano Beach, City of
10/1/93
10/1/94
8
10
5
C


COMMUNI
TY
NUMBER
COMMUNITY NAME
C
R
S
E
N
T
R
Y
D
A
T
E
CURRENT
EFFECTIV
E
DATE
CURRE
NT
CLASS
%
DISCOUNT
FOR
SFHA1
%
DISCOUNT
FOR
NON-
SFHA2
STATU
S3

Florida (continued)




120312
Ponce Inlet, Town of
05/1/04
05/1/04
7
15
5
C
120313
Port Orange, City of
10/1/92
05/1/03
7
15
5
C
120234
Port Richey, City of
10/1/92
10/1/94
8
10
5
C
120099
Port St. Joe, City of
10/1/94
10/1/94
9
5
5
C
120287
Port St. Lucie, City of
10/1/91
10/1/96
8
10
5
C
120062
Punta Gorda, City of
10/1/92
10/1/02
6
20
10
C
125140
Redington Beach, Town of
10/1/93
10/1/96
8
10
5
C
125141
Redington Shores, Town of
10/1/92
10/1/93
8
10
5
C
120027
Rockledge, City of
10/1/91
10/1/96
8
10
5
C
125143
Safety Harbor, City of
10/1/92
10/1/96
8
10
5
C
120402
Sanibel, City of
10/1/91
10/1/96
5
25
10
C
120274
Santa Rosa County
10/1/93
04/1/00
7
15
5
C
125144
Sarasota County
10/1/92
10/1/02
6
20
10
C
125150
Sarasota, City of
10/1/91
10/1/96
7
15
5
C
120028
Satellite Beach, City of
10/1/92
10/1/92
9
5
5
C
120123
Sebastian, City of
10/1/92
10/1/01
9
5
5
C
120289
Seminole County
10/1/91
10/1/00
7
15
5
C
120164
Sewall's Point, Town of
10/1/96
10/1/97
8
10
5
C
120579
Shalimar, Town of
10/1/95
10/1/00
8
10
5
C
120314
South Daytona, City of
10/1/92
10/1/02
7
15
5
C
120658
South Miami, City of
10/1/93
10/1/95
8
10
5
C
120227
South Palm Beach, Town of
10/1/93
10/1/93
9
5
5
C
125151
South Pasadena, City of
10/1/92
10/1/98
8
10
5
C
125146
St. Augustine Beach, City of
10/1/93
10/1/96
8
10
5
C
125145
St. Augustine, City of
10/1/92
10/1/97
8
10
5
C
120191
St. Cloud, City of
10/1/93
10/1/94
8
10
5
C
125147
St. Johns County
10/1/95
10/1/00
7
15
5
C
120285
St. Lucie County
10/1/94
10/1/96
8
10
5
C
120316
St. Marks, Town of
10/1/93
10/1/93
9
5
5
C
125149
St. Pete Beach, City of
10/1/91
10/1/92
8
10
5
C
125148
St. Petersburg, City of
10/1/92
05/1/02
7
15
5
C
120296
Sumter County
10/1/95
05/1/97
8
10
5
C
120328
Sunrise, City of
10/1/92
10/1/02
7
15
5
C
120659
Surfside, Town of
10/1/93
10/1/94
8
10
5
C
120300
Suwannee County
10/1/96
10/1/00
8
10
5
C
120144
Tallahassee, City of
10/1/94
10/1/99
7
15
5
C
120058
Tamarac, City of
10/1/92
10/1/01
8
10
5
C
120114
Tampa, City of
10/1/91
10/1/00
7
15
5
C
120259
Tarpon Springs, City of
10/1/92
10/1/93
8
10
5
C
120302
Taylor County
10/1/96
10/1/96
9
5
5
C
120115
Temple Terrace, City of
10/1/93
10/1/03
8
10
5
C
120228
Tequesta, Village of
10/1/92
10/1/00
7
15
5
C
125152
Titusville, City of
10/1/92
10/1/97
8
10
5
C
125153
Treasure Island, City of
10/1/92
10/1/99
7
15
5
C
125154
Venice, City of
10/1/91
05/1/03
7
15
5
C
120124
Vero Beach, City of
10/1/93
10/1/98
8
10
5
C
125155
Volusia County
10/1/93
10/1/03
7
15
5
C


COMMUNI
TY
NUMBER
COMMUNITY NAME
C
R
S
E
N
T
R
Y
D
A
T
E
CURRENT
EFFECTIV
E
DATE
CURRE
NT
CLASS
%
DISCOUNT
FOR
SFHA1
%
DISCOUNT
FOR
NON-
SFHA2
STATU
S3

Florida (continued)
120315
Wakulla County
10/1/93
10/1/93
9
5
5
C
125157
Wellington, Village of
10/1/03
10/1/03
9
5
5
C
120229
West Palm Beach, City of
10/1/92
04/1/00
7
15
5
C
120295
Winter Springs, City of
10/1/93
10/1/98
8
10
5
C
120147
Yankeetown, Town of
10/1/94
10/1/97
7
15
5
C

Georgia




130075
Albany, City of
10/1/94
10/1/94
9
5
5
C
130093
Brunswick, City of
10/1/93
10/1/93
9
5
5
C
130209
Cartersville, City of
05/1/05
05/1/05
9
5
5
C
130030
Chatham County
10/1/91
05/1/04
7
15
5
C
130424
Cherokee County
05/1/05
05/1/05
8
10
5
C
130052
Cobb County
10/1/91
10/1/97
8
10
5
C
130086
College Park, City of
10/1/92
10/1/02
6
20
10
C
130059
Columbia County
04/1/99
05/1/04
8
10
5
C
135158
Columbus, City of
10/1/91
10/1/93
8
10
5
C
130144
Covington, City of
10/1/93
10/1/93
9
5
5
C
130504
Crisp County
05/1/05
05/1/05
9
5
5
C
135159
Decatur, City of
10/1/93
10/1/03
8
10
5
C
130065
Dekalb County
10/1/92
10/1/94
8
10
5
C
130074
Dougherty County
10/1/93
10/1/03
7
15
5
C
130098
Duluth, City of
10/1/97
10/1/97
9
5
5
C
130306
Douglas County
10/1/95
10/1/00
8
10
5
C
130432
Fayette County
05/1/04
05/1/04
7
15
5
C
135160
Fulton County
04/1/00
04/1/00
9
5
5
C
130092
Glynn County
10/1/92
10/1/96
8
10
5
C
130322
Gwinnett County
10/1/94
05/1/04
8
10
5
C
130201
Jekyll Island, State Park Auth
10/1/93
10/1/04
7
15
5
C
130147
Paulding County
10/1/91
10/1/96
10
0
0
R
130078
Peachtree City, City of
10/1/93
10/1/03
7
15
5
C
130261
Pooler, Town of
10/1/93
10/1/95
8
10
5
C
130088
Roswell, City of
10/1/91
10/1/96
7
15
5
C
135163
Savannah, City of
10/1/92
10/1/98
8
10
5
C
135164
Tybee Island, City of
10/1/93
10/1/04
8
10
5
C
130025
Waynesboro, City of
10/1/91
10/1/97
10
0
0
R
130196
Worth County
05/1/03
05/1/03
9
5
5
C

Hawaii




150003
Maui County
10/1/95
10/1/00
8
10
5
C

Idaho




160001
Ada County
10/1/94
10/1/99
7
15
5
C
160009
Bannock County
10/1/94
10/1/99
8
10
5
C
165167
Blaine County
10/1/94
10/1/99
8
10
5
C
160002
Boise, City of
10/1/91
04/1/01
6
20
10
C
160003
Eagle, City of
04/1/00
04/1/00
6
20
10
C


COMMUNI
TY
NUMBER
COMMUNITY NAME
CRS
ENTRY
DATE
CURREN
T
EFFECTIV
E
DATE
CURRE
NT
CLASS
%
DISCOUNT
FOR
SFHA1
%
DISCOUNT
FOR
NON-
SFHA2
STATU
S3

Idaho (continued)
160212
Elmore County
10/1/94
04/1/01
8
10
5
C
160004
Garden City, City of
10/1/98
05/1/03
8
10
5
C
160022
Hailey, City of
10/1/92
10/1/97
8
10
5
C
160131
Kellogg, City of
10/1/92
10/1/97
8
10
5
C
160023
Ketchum, City of
10/1/92
10/1/02
8
10
5
C
160076
Kootenai County
10/1/92
10/1/00
6
20
10
C
160090
Moscow, City of
10/1/94
10/1/99
8
10
5
C
160058
Mountain Home, City of
10/1/94
10/1/99
8
10
5
C
160101
Nez Perce County
10/1/01
10/1/01
9
5
5
C
160012
Pocatello, City of
10/1/94
10/1/99
8
10
5
C
160114
Shoshone County
10/1/94
10/1/94
9
5
5
C
160024
Sun Valley, City of
10/1/94
10/1/99
8
10
5
C
160120
Twin Falls, City of
10/1/94
10/1/94
9
5
5
C
160220
Valley County
10/1/94
10/1/99
7
15
5
C

Illinois




170001
Adams County
10/1/96
10/1/01
8
10
5
C
170198
Addison, Village of
10/1/91
10/1/97
7
15
5
C
170059
Bartlett, Village of
10/1/91
05/1/04
7
15
5
C
170072
Calumet City, City of
10/1/00
05/1/03
6
20
10
C
170298
Carbondale, City of
10/1/02
10/1/02
9
5
5
C
170078
Country Club Hills, City of
10/1/93
10/1/94
8
10
5
C
170361
Deerfield, Village of
10/1/95
10/1/00
8
10
5
C
170182
DeKalb, City of
05/1/05
05/1/05
8
10
5
C
170081
Des Plaines, City of
10/1/93
10/1/03
7
15
5
C
170204
Downers Grove, Village of
10/1/91
10/1/02
7
15
5
C
170091
Flossmoor, Village of
10/1/93
04/1/00
8
10
5
C
170206
Glendale Heights, Village of
10/1/94
05/1/04
7
15
5
C
170107
Hoffman Estates, Village of
10/1/92
10/1/02
7
15
5
C
170400
LaSalle County
05/1/05
05/1/05
9
5
5
C
170116
Lansing, Village of
10/1/93
10/1/01
7
15
5
C
170378
Lincolnshire, Village of
10/1/93
10/1/03
5
25
10
C
170211
Lisle, Village of
10/1/91
10/1/01
7
15
5
C
170129
Mount Prospect, Village of
10/1/91
10/1/02
7
15
5
C
170213
Naperville, City of
10/1/91
10/1/97
10
0
0
R
170822
North Utica, Village of
05/1/05
05/1/05
9
5
5
C
170132
Northbrook, Village of
10/1/94
05/1/04
7
15
5
C
170214
Oak Brook, Village of
10/1/92
10/1/97
7
15
5
C
170172
Orland Hills, Village of
10/1/96
10/1/02
5
25
10
C
175170
Palatine, Village of
10/1/94
05/1/04
7
15
5
C
170533
Peoria County
10/1/92
10/1/97
8
10
5
C
170919
Prospect Heights, City of
10/1/94
05/1/04
8
10
5
C
170912
Sangamon County
04/1/00
04/1/00
8
10
5
C
170163
South Holland, Village of
10/1/92
10/1/02
5
25
10
C
170330
St. Charles, City of
10/1/94
10/1/04
8
10
5
C
170173
Wheeling, Village of
10/1/91
10/1/93
8
10
5
C
170222
Willowbrook, Village of
10/1/91
10/1/02
6
20
10
C


COMMUNI
TY
NUMBER
COMMUNITY NAME
CRS
ENTRY
DATE
CURREN
T
EFFECTIV
E
DATE
CURRE
NT
CLASS
%
DISCOUNT
FOR
SFHA1
%
DISCOUNT
FOR
NON-
SFHA2
STATU
S3

Illinois (continued)




170224
Wood Dale, City of
10/1/99
10/1/04
5
25
10
C

Indiana




180302
Allen County
10/1/02
10/1/02
9
5
5
C
180006
Bartholomew County
10/1/93
10/1/93
9
5
5
C
180007
Columbus, City of
10/1/98
10/1/98
9
5
5
C
180001
Decatur, City of
10/1/93
10/1/93
9
5
5
C
180257
Evansville, City of
10/1/99
10/1/04
8
10
5
C
180003
Fort Wayne, City of
10/1/91
05/1/04
7
15
5
C
180080
Hamilton County
10/1/91
05/1/04
7
15
5
C
180419
Hancock County
10/1/03
10/1/03
9
5
5
C
180093
Kokomo, City of
10/1/95
10/1/96
8
10
5
C
180121
Kosciusko, County of
10/1/97
10/1/97
9
5
5
C
180382
Milford Junction, City of
10/1/97
10/1/97
9
5
5
C
180082
Noblesville, City of
10/1/91
05/1/04
7
15
5
C
180465
North Webster, City of
10/1/97
10/1/97
9
5
5
C
180122
Syracuse, City of
10/1/97
10/1/97
9
5
5
C
180256
Vanderburgh County
04/1/99
04/1/99
8
10
5
C
180263
Vigo County
10/1/95
10/1/95
9
5
5
C

Iowa




190169
Coralville, City of
10/1/92
10/1/96
10
0
0
R
190242
Davenport, City of
10/1/95
10/1/00
8
10
5
C
190227
Des Moines, City of
10/1/91
10/1/02
7
15
5
C

Kansas
200250
Carbondale, City of
10/1/92
10/1/96
10
0
0
R
200096
Hayes, City of
10/1/92
10/1/03
10
0
0
R
200090
Lawrence, City of
10/1/04
10/1/04
8
10
5
C
200215
Lindsborg, City of
10/1/92
10/1/92
9
5
5
C
200173
Olathe, City of
10/1/93
10/1/93
9
5
5
C
200298
Riley County
10/1/92
10/1/93
10
0
0
R
200177
Shawnee, City of
10/1/91
10/1/01
8
10
5
C
205187
Topeka, City of
10/1/92
10/1/01
10
0
0
R

Kentucky




210017
Ashland, City of
10/1/92
10/1/97
10
0
0
R
210010
Bell County
10/1/94
10/1/97
10
0
0
R
210219
Bowling Green, City of
10/1/91
10/1/92
8
10
5
C
210227
Corbin, City of
10/1/93
10/1/94
10
0
0
R
210062
Daviess County
05/1/03
05/1/05
8
10
5
C
210075
Frankfort, City of
10/1/92
10/1/92
9
5
5
C
210280
Franklin County
10/1/93
10/1/97
10
0
0
R
210051
Grayson, City of
10/1/92
10/1/92
9
5
5
C
210055
Hopkinsville, City of
10/1/91
10/1/96
10
0
0
R
210120
Jefferson County
10/1/91
10/1/00
6
20
10
C

Kentucky (continued)




210067
Lexington-Fayette Urban
County
10/1/91
10/1/97
8
10
5
C
210122
Louisville, City of
10/1/91
10/1/00
6
20
10
C
210126
Nicholasville, City of
10/1/91
10/1/97
8
10
5
C
210063
Owensboro, City of
05/1/03
05/1/05
8
10
5
C
210127
Paintsville, City of
10/1/92
10/1/92
9
5
5
C
210298
Pike County
10/1/95
10/1/95
9
5
5
C
210193
Pikeville, City of
10/1/92
10/1/92
9
5
5
C
210072
Prestonsburg, City of
10/1/92
10/1/92
9
5
5
C
210366
Radcliff, City of
10/1/95
10/1/95
9
5
5
C
210203
Rowan County
10/1/94
10/1/94
9
5
5
C
210312
Warren County
10/1/91
10/1/92
8
10
5
C
210097
West Point, City of
10/1/95
10/1/00
10
0
0
R

Louisiana




220013
Ascension Parish
10/1/92
10/1/04
8
10
5
C
225193
Baker, City of
10/1/91
10/1/91
9
5
5
C
220033
Bossier City, City of
10/1/92
05/1/05
8
10
5
C
220361
Caddo Parish
10/1/95
10/1/95
9
5
5
C
220037
Calcasieu Parish
10/1/91
10/1/91
9
5
5
C
220200
Covington, City of
10/1/95
10/1/96
10
0
0
R
220116
Denham Springs, City of
10/1/91
10/1/91
9
5
5
C
220027
Deridder, City of
10/1/95
10/1/95
9
5
5
C
220058
East Baton Rouge Parish
10/1/91
10/1/94
7
15
5
C
220117
French Settlement, Village of
10/1/92
10/1/92
9
5
5
C
220015
Gonzales, City of
10/1/92
10/1/92
9
5
5
C
225198
Gretna, City of
10/1/00
10/1/00
8
10
5
C
220220
Houma, City of
10/1/92
10/1/04
8
10
5
C
225199
Jefferson Parish
10/1/92
05/1/03
7
15
5
C
225201
Kenner, City of
10/1/92
10/1/93
8
10
5
C
225202
Lafourche Parish
01/1/92
05/1/04
10
0
0
R
220040
Lake Charles, City of
10/1/04
10/1/04
9
5
5
C
220113
Livingston Parish
10/1/92
10/1/92
9
5
5
C
220248
Lutcher, Town of
10/1/92
10/1/92
9
5
5
C
220202
Mandeville, Town of
10/1/92
10/1/02
8
10
5
C
220136
Monroe, City of
10/1/03
10/1/03
9
5
5
C
220196
Morgan City, City of
10/1/91
10/1/91
9
5
5
C
225203
New Orleans/Orleans Parish
10/1/91
10/1/01
8
10
5
C
220135
Ouachita Parish
10/1/02
10/1/02
9
5
5
C
220119
Port Vincent, Village of
10/1/92
10/1/97
10
0
0
R
220008
Rayne, City of
10/1/91
10/1/91
9
5
5
C
220347
Ruston, City of
10/1/92
10/1/92
9
5
5
C
220036
Shreveport, City of
10/1/91
10/1/92
8
10
5
C
220204
Slidell, City of
10/1/92
10/1/92
9
5
5
C
220016
Sorrento, Town of
10/1/92
10/1/92
9
5
5
C
220160
St. Charles Parish
10/1/91
10/1/91
9
5
5
C
220261
St. James Parish
10/1/91
10/1/97
8
10
5
C

Louisiana (continued)




220164
St. John The Baptist Parish
10/1/94
10/1/94
9
5
5
C
225205
St. Tammany Parish
10/1/92
10/1/92
9
5
5
C
220206
Tangipahoa Parish
10/1/96
10/1/96
9
5
5
C
225206
Terrebonne Parish
10/1/92
10/1/04
8
10
5
C
220121
Walker, Town of
10/1/92
10/1/92
9
5
5
C
220239
West Baton Rouge Parish
10/1/93
10/1/96
8
10
5
C
220061
Zachary, City of
10/1/92
10/1/92
9
5
5
C

Maine




230191
Alfred, Town of
10/1/91
10/1/93
8
10
5
C
230208
Arrowsic, Town of
10/1/93
10/1/93
9
5
5
C
230001
Auburn, City of
10/1/92
10/1/92
9
5
5
C
230043
Cape Elizabeth, Town of
10/1/94
10/1/94
9
5
5
C
230057
Farmington, Town of
10/1/94
10/1/94
9
5
5
C
230018
Fort Fairfield, Town of
10/1/02
10/1/02
8
10
5
C
230209
Georgetown, Town of
10/1/01
10/1/01
9
5
5
C
230069
Hallowell, City of
10/1/96
10/1/96
9
5
5
C
230004
Lewiston, City of
10/1/93
05/1/97
8
10
5
C
230178
Norridgewock, City of
10/1/97
10/1/97
9
5
5
C
230632
Ogunquit, Town of
10/1/92
05/1/03
8
10
5
C
230153
Old Orchard Beach, Town of
10/1/93
10/1/93
9
5
5
C
230120
Phippsburg, Town of
10/1/93
10/1/93
9
5
5
C
230051
Portland, City of
10/1/93
10/1/01
8
10
5
C
230155
Saco, City of
10/1/92
10/1/99
8
10
5
C
230128
Skowhegan, Town of
10/1/91
10/1/03
8
10
5
C
230157
South Berwick, Town of
10/1/94
05/1/05
8
10
5
C
230293
Southwest Harbor, Town of
10/1/96
10/1/02
9
5
5
C
230158
Wells, Town of
10/1/91
10/1/93
8
10
5
C
230159
York, Town of
10/1/01
10/1/01
8
10
5
C

Maryland
240042
Bel Air, Town of
10/1/93
10/1/03
8
10
5
C
240011
Calvert County
10/1/91
10/1/96
10
0
0
R
240130
Caroline County
10/1/96
10/1/96
9
5
5
C
240040
Harford County
10/1/91
10/1/00
7
15
5
C
240012
North Beach, City of
01/1/92
10/1/01
8
10
5
C
245207
Ocean City, Town of
10/1/92
10/1/02
7
15
5
C
245208
Prince George's County
10/1/91
10/1/01
5
25
10
C

Massachusetts




250286
Boston, City of
10/1/92
10/1/97
10
0
0
R
250233
Braintree, Town of
10/1/92
10/1/00
8
10
5
C
250004
Chatham, Town of
10/1/92
10/1/93
8
10
5
C
250082
Gloucester, City of
10/1/92
10/1/97
10
0
0
R
250008
Harwich, Town of
10/1/95
10/1/95
9
5
5
C
250085
Haverhill, City of
10/1/92
10/1/92
9
5
5
C

Massachusetts (continued)




250273
Marshfield, Town of
10/1/91
05/1/97
6
20
10
C
250167
Northampton, City of
05/1/03
05/1/03
8
10
5
C
250060
Norton, Town of
10/1/91
10/1/91
9
5
5
C
250010
Orleans, City of
10/1/93
10/1/93
9
5
5
C
250278
Plymouth, Town of
10/1/91
10/1/91
9
5
5
C
255219
Quincy, City of
10/1/93
05/1/97
7
15
5
C
250282
Scituate, Town of
10/1/91
10/1/95
7
15
5
C
250218
Tewksbury, Town of
10/1/93
10/1/93
9
5
5
C
250349
Worcester, City of
10/1/95
10/1/95
9
5
5
C

Michigan




260142
Bedford, Township of
05/1/02
05/1/02
8
10
5
C
260473
Commerce, Township of
05/1/03
05/1/03
9
5
5
C
260221
Dearborn Heights, City of
10/1/92
10/1/92
9
5
5
C
260172
Farmington Hills, City of
10/1/94
10/1/95
10
0
0
R
260657
Fraser, Township of
05/1/03
05/1/03
9
5
5
C
260226
Gibraltar, City of
10/1/92
10/1/02
8
10
5
C
260118
Hamburg, Township of
10/1/99
10/1/99
8
10
5
C
260150
Luna Pier, City of
05/1/02
05/1/02
8
10
5
C
260140
Midland, City of
10/1/92
10/1/02
6
20
10
C
260175
Novi, City of
10/1/99
10/1/99
7
15
5
C
260185
Park, Township of
05/1/03
05/1/03
9
5
5
C
260577
Portage, City of
10/1/92
05/1/02
8
10
5
C
260128
Sterling Heights, City of
10/1/95
05/1/05
7
15
5
C
260243
Sumpter, Township of
10/1/95
10/1/04
10
0
0
R
260728
Taylor, City of
05/1/03
05/1/03
9
5
5
C
260503
Taymouth, Township of
05/1/03
05/1/03
9
5
5
C
260285
Zilwaukee, City of
05/1/04
05/1/04
8
10
5
C

Minnesota




275228
Austin, City of
10/1/91
10/1/01
5
25
10
C
275236
East Grand Forks, City of
10/1/91
10/1/98
10
0
0
R
275240
Lake St. Croix Beach, City of
10/1/95
10/1/00
8
10
5
C
270307
Mower County
10/1/95
04/1/00
8
10
5
C
275246
Rochester, City of
10/1/91
10/1/96
10
0
0
R
270729
West St. Paul, City of
10/1/91
10/1/96
10
0
0
R

Mississippi




285251
Bay St. Louis, City of
10/1/95
10/1/00
7
15
5
C
285252
Biloxi, City of
10/1/96
10/1/03
7
15
5
C
280016
Cleveland, City of
10/1/93
04/1/99
8
10
5
C
280332
Gautier, City of
10/1/94
04/1/00
8
10
5
C
280179
Greenville, City of
10/1/93
05/1/03
8
10
5
C
285253
Gulfport, City of
10/1/96
10/1/01
8
10
5
C
285255
Harrison County
10/1/03
10/1/03
8
10
5
C
280053
Hattiesburg, City of
10/1/94
05/1/02
7
15
5
C

Mississippi (continued)




280070
Hinds County
10/1/93
10/1/93
9
5
5
C
280072
Jackson, City of
10/1/91
10/1/96
8
10
5
C
285257
Long Beach, City of
10/1/00
10/1/00
8
10
5
C
280229
Madison, City of
10/1/96
10/1/01
8
10
5
C
280096
Meridian, City of
10/1/92
10/1/95
8
10
5
C
285259
Ocean Springs, City of
10/1/92
10/1/02
8
10
5
C
285261
Pass Christian, City of
10/1/93
10/1/03
6
20
10
C
280110
Ridgeland, City of
10/1/94
10/1/04
8
10
5
C
280100
Tupelo, City of
05/1/03
05/1/03
8
10
5
C
280176
Vicksburg, City of
10/1/93
04/1/01
7
15
5
C
285262
Waveland, City of
10/1/93
10/1/02
6
20
10
C

Missouri




290188
Arnold, City of
10/1/91
05/1/04
10
0
0
R
290351
Ferguson, City of
10/1/95
04/1/01
10
0
0
R
290172
Independence,City of
10/1/91
10/1/01
7
15
5
C
290362
Kirkwood, City of
10/1/91
10/1/96
10
0
0
R
290315
St. Charles County
10/1/01
05/1/05
7
15
5
C

Montana




300009
Belt, Town of
10/1/91
10/1/92
8
10
5
C
300028
Bozeman, City of
10/1/92
05/1/03
7
15
5
C
300008
Cascade County
10/1/91
04/1/01
8
10
5
C
300108
Circle, Town of
10/1/91
10/1/93
8
10
5
C
300023
Flathead County
10/1/93
10/1/93
9
5
5
C
300010
Great Falls, City of
10/1/91
04/1/01
7
15
5
C
300038
Lewis and Clark County
10/1/91
10/1/02
8
10
5
C
300014
Miles City, City of
10/1/91
10/1/94
9
5
5
C
300048
Missoula County
10/1/91
05/1/02
8
10
5
C
300049
Missoula, City of
10/1/91
05/1/02
8
10
5
C
300029
Three Forks, Town of
10/1/93
10/1/98
8
10
5
C
300142
Yellowstone County
05/1/03
05/1/03
8
10
5
C

Nebraska




310069
Fremont, City of
10/1/91
10/1/91
9
5
5
C
315273
Lincoln, City of
10/1/91
05/1/03
7
15
5
C

Nevada




320001
Carson City, City of
10/1/94
04/1/99
8
10
5
C
320003
Clark County
10/1/92
10/1/03
6
20
10
C
320008
Douglas County
10/1/93
10/1/04
6
20
10
C
320005
Henderson, City of
10/1/91
10/1/03
6
20
10
C
325276
Las Vegas, City of
10/1/91
10/1/03
6
20
10
C
320035
Mesquite, City of
10/1/02
10/1/02
8
10
5
C
320007
North Las Vegas, City of
10/1/91
10/1/03
6
20
10
C
320033
Storey County
10/1/94
10/1/99
8
10
5
C

New Hampshire




330023
Keene, City of
05/1/02
05/1/03
8
10
5
C
330024
Marlborough, Town of
10/1/94
10/1/94
9
5
5
C
330101
Peterborough, Town of
05/1/04
05/1/04
8
10
5
C
330141
Rye, Town of
05/1/05
05/1/05
9
5
5
C
330028
Winchester, Town of
05/1/02
05/1/02
9
5
5
C

New Jersey
345278
Atlantic City, City of
10/1/92
10/1/00
9
5
5
C
345279
Avalon, Borough of
10/1/96
10/1/00
7
15
5
C
345280
Barnegat Light, Borough of
10/1/92
10/1/01
8
10
5
C
340396
Barnegat, Township of
10/1/92
10/1/97
10
0
0
R
345281
Bay Head, Borough of
10/1/93
10/1/98
8
10
5
C
345282
Beach Haven, Borough of
10/1/91
05/1/04
7
15
5
C
340427
Bedminister, Township of
10/1/96
10/1/00
7
15
5
C
340459
Berkeley Heights, Township
10/1/94
04/1/99
10
0
0
R
340369
Berkeley, Township of
10/1/92
10/1/94
10
0
0
R
340178
Bloomfield, Town of
10/1/92
10/1/97
10
0
0
R
340289
Bradley Beach, Borough of
10/1/95
10/1/00
7
15
5
C
345286
Brigantine, City of
10/1/92
10/1/01
7
15
5
C
345287
Burlington, City of
04/1/98
10/1/03
8
10
5
C
345288
Cape May City, City of
10/1/94
10/1/99
8
10
5
C
345289
Cape May Point, Borough of
10/1/93
10/1/94
7
15
5
C
345293
Dover, Township of
10/1/92
10/1/92
9
5
5
C
340031
Englewood, City of
10/1/91
10/1/01
10
0
0
R
340570
Hackensack Meadowlands
Development Commission
10/1/92
10/1/02
8
10
5
C
340246
Hamilton, Township of
10/1/92
10/1/02
8
10
5
C
345296
Harvey Cedars, Borough of
10/1/91
10/1/99
8
10
5
C
340376
Lacey, Township of
10/1/92
10/1/93
10
0
0
R
340379
Lavallette, Borough of
05/1/04
05/1/05
8
10
5
C
345300
Lincoln Park, Borough of
10/1/91
10/1/97
8
10
5
C
340467
Linden, City of
10/1/91
10/1/02
8
10
5
C
340046
Little Ferry, Borough of
10/1/93
10/1/94
10
0
0
R
340047
Lodi, Borough of
10/1/92
10/1/93
10
0
0
R
345301
Long Beach, Township of
10/1/92
10/1/99
7
15
5
C
345302
Longport, Borough of
10/1/95
10/1/00
8
10
5
C
345303
Manasquan, Borough of
10/1/92
10/1/98
8
10
5
C
340383
Mantoloking, Borough of
10/1/92
10/1/01
7
15
5
C
345304
Margate City, City of
10/1/92
10/1/99
7
15
5
C
340188
Montclair, Township of
10/1/94
10/1/95
10
0
0
R
340517
Mullica, Township of
10/1/94
10/1/01
9
5
5
C
345307
North Plainfield, City of
10/1/92
10/1/92
9
5
5
C
345308
North Wildwood, City of
10/1/00
10/1/00
7
15
5
C
345309
Oakland, Borough of
10/1/95
10/1/96
10
0
0
R
345310
Ocean City, City of
10/1/92
10/1/01
7
15
5
C
340518
Ocean, Township of
10/1/95
10/1/95
9
5
5
C


COMMUNI
TY
NUMBER
COMMUNITY NAME
CRS
ENTRY
DATE
CURREN
T
EFFECTIV
E
DATE
CURRE
NT
CLASS
%
DISCOUNT
FOR
SFHA1
%
DISCOUNT
FOR
NON-
SFHA2
STATU
S3

New Jersey (continued)




340355
Parsippany-Troy Hills,
Township of
10/1/91
10/1/91
9
5
5
C
340512
Pennsville, Township of
10/1/92
10/1/97
10
0
0
R
345311
Pequannock, Village of
10/1/91
10/1/97
10
0
0
R
345312
Plainfield, City of
10/1/91
10/1/98
10
0
0
R
340388
Point Pleasant Beach,
Borough of
10/1/92
10/1/97
10
0
0
R
345313
Point Pleasant, Borough of
10/1/93
10/1/93
9
5
5
C
345528
Pompton Lakes, Borough of
10/1/91
10/1/96
10
0
0
R
345314
Rahway, City of
10/1/92
10/1/02
8
10
5
C
340067
Ridgewood, Village of
10/1/92
10/1/02
7
15
5
C
340359
Riverdale, Borough of
10/1/94
10/1/94
9
5
5
C
340472
Roselle, Borough of
10/1/92
01/1/98
8
10
5
C
340474
Scotch Plains, Township of
10/1/94
10/1/95
10
0
0
R
345317
Sea Bright, Borough of
10/1/92
10/1/97
10
0
0
R
345318
Sea Isle City, City of
10/1/92
10/1/95
10
0
0
R
345319
Seaside Park, Borough of
10/1/92
10/1/97
10
0
0
R
345320
Ship Bottom, Borough of
10/1/92
10/1/02
8
10
5
C
340329
Spring Lake, Borough of
10/1/94
10/1/99
8
10
5
C
340393
Stafford, Township of
10/1/91
10/1/00
7
15
5
C
345323
Stone Harbor, Borough of
10/1/94
10/1/96
8
10
5
C
345324
Surf City, Borough of
10/1/92
10/1/98
8
10
5
C
340395
Tuckerton, Borough of
10/1/93
10/1/98
10
0
0
R
340331
Union Beach, Borough of
10/1/03
10/1/03
8
10
5
C
345326
Ventnor, City of
10/1/92
10/1/99
8
10
5
C
345327
Wayne, Township of
10/1/91
10/1/00
8
10
5
C
345328
West Wildwood, Borough of
10/1/93
10/1/93
9
5
5
C
345330
Wildwood Crest, Borough of
10/1/93
10/1/03
8
10
5
C
345331
Woodbridge, Township of
10/1/92
10/1/97
10
0
0
R

New Mexico




350045
Alamogordo, City of
10/1/91
10/1/91
9
5
5
C
350002
Albuquerque, City of
10/1/93
10/1/95
8
10
5
C
350001
Bernalillo County
10/1/93
10/1/93
9
5
5
C
350010
Clovis, City of
10/1/91
10/1/91
9
5
5
C
350012
Dona Ana County
10/1/03
10/1/03
9
5
5
C
350067
Farmington, City of
10/1/91
10/1/91
9
5
5
C
350029
Hobbs, City of
10/1/92
10/1/94
8
10
5
C
355332
Las Cruces, City of
10/1/91
10/1/93
8
10
5
C
350054
Portales, City of
10/1/95
10/1/95
9
5
5
C
350006
Roswell, City of
10/1/92
10/1/92
9
5
5
C

New York




360226
Amherst, Town of
10/1/95
05/1/97
8
10
5
C
360147
Ashland, Town of
10/1/91
10/1/91
9
5
5
C
360790
Babylon,Town of
10/1/92
10/1/93
10
0
0
R

New York (continued)




360988
Bayville, Village of
10/1/92
10/1/03
8
10
5
C
360148
Big Flats, Town of
10/1/91
10/1/96
8
10
5
C
361342
Brightwaters, Village of
10/1/93
10/1/98
10
0
0
R
360570
Camillus, Town of
10/1/96
10/1/01
10
0
0
R
361055
Catlin, Town of
10/1/91
10/1/97
10
0
0
R
360149
Chemung, Town of
10/1/91
10/1/91
9
5
5
C
360772
Corning, City of
10/1/91
10/1/91
9
5
5
C
360463
East Rockaway, Village of
10/1/92
10/1/92
9
5
5
C
360150
Elmira, City of
10/1/91
05/1/97
8
10
5
C
360151
Elmira, Town of
10/1/91
10/1/91
9
5
5
C
360774
Erwin, Town of
10/1/91
10/1/91
9
5
5
C
360464
Freeport, Village of
10/1/92
10/1/97
8
10
5
C
360417
Greece, Town of
10/1/92
10/1/92
9
5
5
C
360777
Hornellsville, Town of
10/1/91
10/1/92
10
0
0
R
360153
Horseheads, Town of
10/1/91
10/1/91
9
5
5
C
360154
Horseheads, Village of
10/1/91
10/1/91
9
5
5
C
360308
Ilion, Village of
10/1/00
10/1/00
9
5
5
C
360047
Johnson City, Village of
10/1/91
10/1/91
9
5
5
C
360247
Lackawanna, City of
05/1/03
05/1/03
9
5
5
C
360476
Lawrence, Village of
10/1/92
10/1/03
8
10
5
C
360506
Niagara Falls, City of
10/1/92
10/1/02
8
10
5
C
360801
Northport, Village of
10/1/94
10/1/94
9
5
5
C
360667
Oneonta, City of
10/1/94
05/1/04
8
10
5
C
360780
Pulteney, Town of
10/1/91
10/1/93
10
0
0
R
360932
Scarsdale, Village of
10/1/93
10/1/98
8
10
5
C
365342
Southampton, Town of
10/1/95
10/1/95
9
5
5
C
365343
Southampton, Village of
10/1/92
10/1/93
10
0
0
R
360156
Southport, Town of
10/1/91
10/1/91
9
5
5
C
360595
Syracuse, City of
10/1/93
10/1/93
9
5
5
C
360056
Union, Town of
10/1/91
10/1/01
9
5
5
C
361057
Veteran, Town of
10/1/91
10/1/96
10
0
0
R
360157
Wellsburg, Village of
10/1/91
10/1/91
9
5
5
C

North Carolina




370404
Alliance, Town of
10/1/92
10/1/92
9
5
5
C
370044
Atlantic Beach, Town of
10/1/92
10/1/93
8
10
5
C
370183
Bayboro, Town of
10/1/92
10/1/92
9
5
5
C
375346
Beaufort, Town of
10/1/94
10/1/94
9
5
5
C
370015
Belhaven, Town of
10/1/93
10/1/94
8
10
5
C
370253
Boone, Town of
10/1/91
10/1/00
7
15
5
C
370231
Brevard, City of
10/1/92
10/1/92
9
5
5
C
370036
Cabarrus County
10/1/91
10/1/91
9
5
5
C
370039
Caldwell County
04/1/00
04/1/00
9
5
5
C
370046
Cape Carteret, Town of
10/1/93
10/1/03
8
10
5
C
375347
Carolina Beach, Town of
10/1/93
04/1/99
7
15
5
C
370043
Carteret County
10/1/91
10/1/92
8
10
5
C
370238
Cary, Town of
10/1/92
10/1/96
10
0
0
R

North Carolina (continued)




370391
Caswell Beach, City of
10/1/94
10/1/00
7
15
5
C
370465
Cedar Point, Town of
10/1/92
10/1/92
9
5
5
C
370159
Charlotte, City of
10/1/91
05/1/97
8
10
5
C
370263
Clinton, City of
10/1/94
10/1/94
9
5
5
C
370037
Concord, City of
10/1/93
10/1/03
8
10
5
C
370072
Craven County
10/1/91
10/1/01
8
10
5
C
370443
Creswell, Town of
10/1/94
10/1/99
8
10
5
C
370076
Cumberland County
10/1/96
10/1/96
9
5
5
C
370078
Currituck County
10/1/93
10/1/03
7
15
5
C
375348
Dare County
10/1/91
10/1/01
7
15
5
C
370085
Durham County
10/1/92
10/1/92
9
5
5
C
370062
Edenton, Town of
10/1/93
10/1/93
9
5
5
C
370047
Emerald Isle, Town of
10/1/93
10/1/03
7
15
5
C
370190
Farmville, Town of
10/1/04
10/1/04
8
10
5
C
375349
Forsyth County
10/1/93
10/1/93
9
5
5
C
370255
Goldsboro, City of
10/1/93
05/1/03
8
10
5
C
370191
Greenville, City of
10/1/92
10/1/02
8
10
5
C
370192
Grifton, Town of
10/1/04
10/1/04
5
25
10
C
370111
Guilford County
10/1/93
10/1/93
9
5
5
C
370265
Havelock, City of
10/1/95
10/1/99
8
10
5
C
375352
Holden Beach, Town of
10/1/91
10/1/92
8
10
5
C
370133
Hyde County
10/1/92
10/1/92
9
5
5
C
370178
Jacksonville, City of
10/1/91
10/1/91
9
5
5
C
375353
Kill Devil Hills, City of
10/1/91
10/1/01
7
15
5
C
370145
Kinston, City of
10/1/94
10/1/94
9
5
5
C
370439
Kitty Hawk, Town of
10/1/91
10/1/02
6
20
10
C
370144
Lenoir County
10/1/94
10/1/94
9
5
5
C
370081
Lexington, City of
10/1/93
10/1/93
9
5
5
C
375355
Manteo, Town of
10/1/91
10/1/01
7
15
5
C
370158
Mecklenburg County
10/1/91
05/1/97
8
10
5
C
370418
Minnesott Beach, Town of
10/1/92
10/1/92
9
5
5
C
370048
Morehead City, Town of
10/1/92
10/1/93
8
10
5
C
375356
Nags Head, City of
10/1/91
10/1/01
6
20
10
C
370167
Nashville, Town of
10/1/94
05/1/05
8
10
5
C
370074
New Bern, City of
10/1/92
05/1/04
10
0
0
R
370168
New Hanover County
10/1/91
10/1/01
7
15
5
C
370049
Newport, Town of
10/1/92
10/1/92
9
5
5
C
370466
North Topsail Beach, Town of
10/1/92
10/1/02
7
15
5
C
370523
Oak Island
10/1/91
10/1/01
7
15
5
C
375357
Ocean Isle Beach, Town of
10/1/92
10/1/02
7
15
5
C
370279
Oriental, Town of
10/1/92
10/1/97
9
5
5
C
370181
Pamlico County
10/1/92
10/1/97
9
5
5
C
370267
Pine Knoll Shores, Town of
10/1/92
10/1/02
7
15
5
C
370160
Pineville, Town of
10/1/91
05/1/97
8
10
5
C
370372
Pitt County
10/1/02
10/1/04
8
10
5
C
370249
Plymouth, Town of
10/1/94
10/1/99
8
10
5
C
370243
Raleigh, City of
10/1/91
10/1/01
8
10
5
C

North Carolina (continued)




370092
Rocky Mount, City of
10/1/92
10/1/02
8
10
5
C
370421
Roper, Town of
10/1/94
10/1/99
8
10
5
C
370220
Sampson County
10/1/94
10/1/99
10
0
0
R
370430
Southern Shores, Town of
10/1/92
10/1/96
6
20
10
C
370028
Southport, City of
10/1/91
10/1/91
9
5
5
C
370437
Stonewall, Town of
10/1/92
10/1/92
9
5
5
C
375359
Sunset Beach, Town of
10/1/91
10/1/00
8
10
5
C
370187
Topsail Beach, Town of
10/1/92
10/1/02
6
20
10
C
370438
Vandemere, Town of
10/1/92
10/1/92
9
5
5
C
370368
Wake County
10/1/91
10/1/96
10
0
0
R
370247
Washington County
10/1/94
10/1/99
8
10
5
C
370268
Washington Park, Town of
10/1/92
10/1/92
9
5
5
C
370017
Washington, City of
10/1/92
10/1/02
8
10
5
C
370251
Watauga County
10/1/91
10/1/91
9
5
5
C
370254
Wayne County
10/1/93
05/1/03
7
15
5
C
370464
Whispering Pines, Village of
10/1/91
10/1/96
10
0
0
R
370071
Whiteville City of
10/1/96
10/1/96
9
5
5
C
370270
Wilson, City of
10/1/91
10/1/91
9
5
5
C
375360
Winston-Salem, City of
10/1/93
10/1/93
9
5
5
C
370193
Winterville, Town of
10/1/93
10/1/97
10
0
0
R
375361
Wrightsville Beach, Town of
10/1/91
10/1/01
5
25
10
C
North Dakota




385365
Grand Forks, City of
10/1/91
10/1/01
5
25
10
C

Ohio




390183
Delta, Village of
10/1/92
10/1/92
9
5
5
C
390038
Fairfield, City of
10/1/93
10/1/98
8
10
5
C
390110
Highland Heights, City of
10/1/91
10/1/92
10
0
0
R
390412
Kettering, City of
10/1/95
10/1/00
8
10
5
C
390328
Licking County
10/1/93
10/1/97
8
10
5
C
390071
New Richmond, Village of
10/1/92
10/1/02
8
10
5
C
390176
Obetz, Village of
10/1/96
10/1/96
9
5
5
C
390737
Orange, Village of
10/1/91
10/1/91
9
5
5
C
390432
Ottawa County
10/1/92
10/1/92
9
5
5
C
390472
Ottawa, Village of
10/1/95
10/1/95
9
5
5
C
390460
Preble County
10/1/98
10/1/98
9
5
5
C
390479
Shelby, City of
10/1/92
10/1/92
9
5
5
C
390131
South Euclid, City of
10/1/91
10/1/91
9
5
5
C
390419
West Carrollton, City of
05/1/02
05/1/02
9
5
5
C

Oklahoma




400220
Bartlesville, City of
10/1/92
10/1/02
7
15
5
C
400207
Bixby, Town of
10/1/93
10/1/98
10
0
0
R
400078
Blackwell, City of
10/1/91
10/1/93
8
10
5
C
400236
Broken Arrow, City of
10/1/93
10/1/03
8
10
5
C

Oklahoma (continued)




400234
Chickasha, City of
10/1/92
10/1/92
9
5
5
C
400221
Dewey, City of
10/1/92
10/1/92
9
5
5
C
400252
Edmond, City of
10/1/93
10/1/93
9
5
5
C
400062
Enid, City of
10/1/93
10/1/93
9
5
5
C
400049
Lawton, City of
10/1/91
10/1/04
7
15
5
C
400245
Lindsay, City of
10/1/92
10/1/93
10
0
0
R
400211
Sand Springs, City of
10/1/91
10/1/93
8
10
5
C
400053
Sapulpa, City of
10/1/92
10/1/93
10
0
0
R
405380
Stillwater, City of
10/1/91
10/1/96
9
5
5
C
405381
Tulsa, City of
10/1/91
10/1/03
2
40
10
C

Oregon
410137
Albany, City of
10/1/91
05/1/97
8
10
5
C
410090
Ashland, City of
10/1/91
10/1/96
8
10
5
C
410043
Bandon, City of
05/1/05
05/1/05
9
5
5
C
410240
Beaverton,City of
10/1/91
10/1/94
10
0
0
R
410008
Benton County
10/1/02
10/1/02
7
15
5
C
410029
Cannon Beach, City of
10/1/94
10/1/99
7
15
5
C
410092
Central Point, City of
10/1/92
05/1/02
7
15
5
C
415588
Clackamas County
10/1/04
10/1/04
5
25
10
C
410009
Corvallis, City of
10/1/91
10/1/01
7
15
5
C
410059
Douglas County
10/1/00
10/1/00
8
10
5
C
410122
Eugene, City of
10/1/91
10/1/01
7
15
5
C
410108
Grants Pass, City of
10/1/92
05/1/02
8
10
5
C
415589
Jackson County
10/1/91
05/1/02
7
15
5
C
410154
Marion County
04/1/01
04/1/01
7
15
5
C
410096
Medford, City of
10/1/94
10/1/94
9
5
5
C
410064
Myrtle Creek, City of
05/1/03
05/1/03
8
10
5
C
410200
Nehalam, City of
10/1/03
10/1/03
7
15
5
C
410021
Oregon City, City of
10/1/03
10/1/03
9
5
5
C
410186
Polk County
10/1/91
10/1/01
8
10
5
C
410183
Portland, City of
10/1/01
10/1/01
6
20
10
C
410201
Rockaway Beach, City of
10/1/04
10/1/04
8
10
5
C
410098
Rogue River, City of
10/1/92
05/1/02
7
15
5
C
410067
Roseburg, City of
10/1/94
10/1/99
8
10
5
C
410039
Scappoose, City of
10/1/93
10/1/98
8
10
5
C
410144
Scio, City of
05/1/04
05/1/04
9
5
5
C
410257
Sheridan, City of
10/1/01
10/1/01
8
10
5
C
410213
Stanfield, City of
10/1/91
10/1/03
8
10
5
C
410100
Talent, City of
10/1/00
10/1/00
8
10
5
C
410196
Tillamook County
04/1/01
04/1/01
6
20
10
C

Pennsylvania




420339
Bloomsburg, Town of
10/1/93
10/1/03
8
10
5
C
421062
Etna, Borough of
10/1/96
05/1/04
8
10
5
C
421134
Granville, Township of
10/1/93
10/1/93
9
5
5
C

Pennsylvania (continued)
420380
Harrisburg,City of
10/1/91
10/1/93
7
15
5
C
420642
Jersey Shore, Borough of
10/1/93
10/1/93
9
5
5
C
420612
Kingston, Borough of
10/1/92
10/1/92
9
5
5
C
420613
Kingston, Township of
10/1/92
04/1/93
10
0
0
R
420831
Lewisburg, Borough of
10/1/93
10/1/03
8
10
5
C
420687
Lewistown, Borough of
10/1/93
10/1/93
9
5
5
C
422105
Limestone, Township of
10/1/93
10/1/98
10
0
0
R
421040
Loyalsock, Township of
10/1/94
04/1/01
10
0
0
R
425384
Milton, Borough of
10/1/92
10/1/03
8
10
5
C
420754
Newport, Borough of
10/1/94
10/1/94
9
5
5
C
421101
Shaler, Township of
10/1/94
10/1/04
8
10
5
C
420834
Union, Township of
10/1/93
10/1/98
10
0
0
R
420372
Upper Allen, Township of
10/1/92
10/1/97
10
0
0
R
421119
Upper St. Clair, Township of
10/1/98
10/1/03
8
10
5
C
420631
Wilkes-Barre, City of
10/1/92
10/1/02
7
15
5
C

Rhode Island




445401
Middletown, Town of
10/1/91
04/1/00
8
10
5
C
445402
Narragansett, Town of
10/1/92
10/1/92
9
5
5
C
445404
North Kingstown, Town of
10/1/93
10/1/93
9
5
5
C
440022
Pawtucket, City of
10/1/02
10/1/02
8
10
5
C

South Carolina




450002
Aiken County
10/1/93
10/1/93
9
5
5
C
450262
Awendaw, Town of
10/1/96
10/1/00
7
15
5
C
450025
Beaufort County
10/1/91
10/1/96
8
10
5
C
450026
Beaufort, City of
10/1/92
10/1/97
8
10
5
C
455413
Charleston County
10/1/95
10/1/00
6
20
10
C
455412
Charleston, City of
10/1/93
05/1/05
7
15
5
C
450056
Colleton County
05/1/05
05/1/05
8
10
5
C
455414
Edisto Beach,Town of
10/1/92
10/1/96
8
10
5
C
450078
Florence, City of
10/1/91
10/1/97
8
10
5
C
455415
Folly Beach, Township of
10/1/96
10/1/01
8
10
5
C
450087
Georgetown, City of
10/1/93
10/1/03
8
10
5
C
450089
Greenville County
10/1/93
10/1/03
8
10
5
C
450091
Greenville, City of
10/1/91
10/1/04
7
15
5
C
450250
Hilton Head Island, Town of
10/1/91
10/1/97
6
20
10
C
455416
Isle Of Palms, City of
10/1/94
10/1/04
7
15
5
C
450257
Kiawah Island, Town of
10/1/96
10/1/00
6
20
10
C
450129
Lexington County
10/1/91
10/1/91
9
5
5
C
450039
McClellanville, Town of
10/1/00
10/1/00
8
10
5
C
450040
Meggett, City of
10/1/96
10/1/00
7
15
5
C
455417
Mount Pleasant, City of
10/1/94
10/1/01
8
10
5
C
450109
Myrtle Beach, City of
10/1/91
05/1/03
5
25
10
C
450042
North Charleston, City of
05/1/03
05/1/03
8
10
5
C
450110
North Myrtle Beach, Town of
10/1/91
10/1/97
7
15
5
C

South Carolina (continued)




450166
Pickens County
04/1/99
05/1/04
8
10
5
C
450043
Ravenel, Town of
10/1/96
10/1/00
7
15
5
C
450170
Richland County
10/1/95
10/1/95
9
5
5
C
450249
Rockville, Town of
10/1/98
10/1/00
7
15
5
C
450256
Seabrook Island, Town of
10/1/95
10/1/00
6
20
10
C
455418
Sullivans Island, Town of
05/1/04
05/1/04
8
10
5
C
450182
Sumter County
10/1/92
10/1/92
9
5
5
C
450184
Sumter, City of
10/1/92
10/1/92
9
5
5
C

South Dakota
465420
Rapid City, City of
10/1/92
10/1/02
8
10
5
C

Tennessee




470211
Athens, City of
10/1/93
10/1/93
9
5
5
C
470176
Carthage, City of
10/1/92
10/1/02
8
10
5
C
475425
Elizabethton, City of
10/1/93
10/1/93
9
5
5
C
470105
Fayetteville, City of
10/1/92
10/1/93
10
0
0
R
475426
Gatlinburg, City of
10/1/93
10/1/93
9
5
5
C
470059
Humboldt, City of
10/1/93
10/1/96
10
0
0
R
470184
Kingsport, City of
10/1/92
10/1/97
10
0
0
R
475433
Knox County
10/1/02
10/1/02
9
5
5
C
475434
Knoxville, City of
10/1/92
10/1/92
9
5
5
C
470070
Morristown, City of
10/1/92
10/1/93
10
0
0
R
470040
Nashville, City of & Davidson
10/1/91
10/1/91
9
5
5
C
470100
Ripley, Town of
10/1/91
10/1/96
10
0
0
R
475448
Spring City, Town of
10/1/92
10/1/97
10
0
0
R

Texas




485454
Arlington, City of
10/1/91
05/1/05
8
10
5
C
480624
Austin, City of
10/1/91
10/1/99
8
10
5
C
481193
Bastrop County
10/1/04
10/1/04
8
10
5
C
485456
Baytown, City of
10/1/91
10/1/01
7
15
5
C
480289
Bellaire, City of
10/1/93
10/1/93
9
5
5
C
480586
Benbrook, City of
10/1/91
10/1/02
7
15
5
C
480082
Bryan, City of
10/1/95
10/1/95
9
5
5
C
485459
Burleson, City of
10/1/91
10/1/91
9
5
5
C
480167
Carrollton, City of
10/1/91
10/1/01
7
15
5
C
485462
Cleburne, City of
10/1/92
10/1/92
9
5
5
C
480484
Conroe, City of
10/1/92
05/1/02
7
15
5
C
480170
Coppell, City of
10/1/93
10/1/03
8
10
5
C
485464
Corpus Christi, City of
10/1/91
10/1/91
9
5
5
C
480171
Dallas, City of
10/1/91
05/1/02
7
15
5
C
480291
Deer Park, City of
10/1/00
10/1/00
9
5
5
C
480774
Denton County
10/1/92
10/1/93
10
0
0
R
480194
Denton, City of
10/1/91
10/1/01
8
10
5
C
480173
Duncanville, City of
10/1/91
10/1/01
8
10
5
C

Texas (continued)




480214
El Paso, City of
10/1/91
10/1/91
9
5
5
C
485468
Friendswood, City of
10/1/91
10/1/03
5
25
10
C
485471
Garland, City of
10/1/91
10/1/97
7
15
5
C
485472
Grand Prairie, City of
10/1/91
05/1/05
7
15
5
C
480287
Harris County
05/1/04
05/1/04
8
10
5
C
480296
Houston, City of
05/1/02
05/1/02
8
10
5
C
480601
Hurst, City of
10/1/92
10/1/02
8
10
5
C
485481
Kemah, City of
10/1/92
10/1/00
5
25
10
C
485487
LaPorte, City of
10/1/99
10/1/99
8
10
5
C
485488
League City, City of
10/1/92
10/1/92
9
5
5
C
480195
Lewisville, City of
10/1/91
10/1/96
7
15
5
C
480452
Lubbock, City of
10/1/92
10/1/93
8
10
5
C
480477
Midland, City of
10/1/92
10/1/94
8
10
5
C
485491
Nassau Bay, City of
10/1/92
10/1/94
8
10
5
C
480607
North Richland Hills, City of
10/1/91
10/1/99
7
15
5
C
480206
Odessa, City of
10/1/92
10/1/02
8
10
5
C
480307
Pasadena, City of
10/1/91
10/1/92
10
0
0
R
480077
Pearland, City of
05/1/05
05/1/05
8
10
5
C
480140
Plano, City of
10/1/92
10/1/03
6
20
10
C
485499
Port Arthur, City of
10/1/91
10/1/91
9
5
5
C
480184
Richardson, City of
10/1/91
10/1/97
8
10
5
C
485505
San Marcos, City of
10/1/92
10/1/02
7
15
5
C
485507
Seabrook, City of
10/1/02
10/1/02
9
5
5
C
480502
Sweetwater, City of
10/1/91
10/1/91
9
5
5
C
485513
Taylor Lake Village, City of
10/1/96
05/1/02
8
10
5
C
481585
Tiki Island, Village of
10/1/01
10/1/01
9
5
5
C
480662
Wichita Falls, City of
10/1/91
10/1/91
9
5
5
C

Utah




490039
Bountiful, City of
10/1/91
10/1/91
9
5
5
C
490074
Cedar City, City of
10/1/94
10/1/96
10
0
0
R
490040
Centerville, City of
05/1/02
05/1/02
9
5
5
C
490019
Logan, City of
10/1/93
10/1/03
8
10
5
C
490072
Moab, City of
04/1/01
04/1/01
9
5
5
C
490214
North Ogden, City of
10/1/93
05/1/03
8
10
5
C
490216
Orem, City of
10/1/93
10/1/03
8
10
5
C
490159
Provo, City of
10/1/91
10/1/96
8
10
5
C
490178
Santa Clara, Town of
10/1/95
10/1/95
9
5
5
C
490177
St. George, City of
10/1/94
05/1/04
7
15
5
C
490052
West Bountiful, City of
10/1/96
10/1/96
9
5
5
C

Vermont




500013
Bennington, Town of
10/1/93
10/1/93
9
5
5
C
500126
Brattleboro, Town of
10/1/91
10/1/91
9
5
5
C
505518
Montpelier, City of
10/1/98
10/1/98
9
5
5
C

Virginia




510001
Accomack County
10/1/92
10/1/96
8
10
5
C
515519
Alexandria, City of
10/1/92
10/1/02
8
10
5
C
515520
Arlington County
10/1/92
10/1/92
9
5
5
C
510134
Bridgewater, Town of
10/1/96
10/1/96
9
5
5
C
510002
Chincoteague, City of
10/1/00
10/1/03
8
10
5
C
515525
Fairfax County
10/1/93
10/1/03
8
10
5
C
510071
Gloucester County
10/1/95
10/1/95
9
5
5
C
510201
James City County
10/1/92
10/1/92
9
5
5
C
510090
Loudoun County
10/1/92
05/1/03
10
0
0
R
510104
Norfolk, City of
10/1/92
10/1/92
9
5
5
C
510183
Poquoson, City of
10/1/92
10/1/97
9
5
5
C
515529
Portsmouth, City of
10/1/92
10/1/00
9
5
5
C
510119
Prince William County
10/1/96
10/1/01
8
10
5
C
510190
Roanoke County
10/1/91
10/1/91
9
5
5
C
510130
Roanoke, City of
10/1/96
05/1/03
8
10
5
C
510053
Vienna, Town of
10/1/96
10/1/96
9
5
5
C
510005
Wachapreague, Town of
10/1/96
10/1/96
9
5
5
C

Washington




530073
Auburn, City of
10/1/92
05/1/02
7
15
5
C
530074
Bellevue, City of
10/1/92
10/1/00
6
20
10
C
530153
Burlington, City of
10/1/94
04/1/99
6
20
10
C
530103
Centralia, City of
10/1/94
10/1/99
7
15
5
C
530104
Chehalis, City of
10/1/94
05/1/04
6
20
10
C
530024
Clark County
10/1/04
10/1/04
7
15
5
C
530051
Ephrata, City of
10/1/00
10/1/00
8
10
5
C
530200
Everson, City of
10/1/94
10/1/99
8
10
5
C
530166
Index, Town of
04/1/98
04/1/98
8
10
5
C
530079
Issaquah, City of
10/1/92
10/1/02
5
25
10
C
530071
King County
10/1/91
10/1/01
4
30
10
C
530156
La Conner, Town of
10/1/96
10/1/97
8
10
5
C
530102
Lewis County
10/1/94
10/1/99
7
15
5
C
530316
Lower Elwha Klallam Tribe
10/1/00
05/1/05
7
15
5
C
530169
Monroe, City of
10/1/91
04/1/01
6
20
10
C
530158
Mount Vernon, City of
05/1/97
10/1/02
6
20
10
C
530085
North Bend, City of
10/1/95
10/1/96
7
15
5
C
530138
Pierce County
10/1/95
04/1/00
5
25
10
C
530088
Renton, City of
10/1/94
10/1/99
7
15
5
C
530151
Skagit County
04/1/98
10/1/03
6
20
10
C
530090
Snoqualmie, City of
10/1/92
05/1/02
5
25
10
C
530173
Sultan, City of
10/1/03
10/1/03
8
10
5
C
530204
Sumas, City of
10/1/93
04/1/98
7
15
5
C
530188
Thurston County
10/1/00
10/1/00
5
25
10
C
530198
Whatcom County
10/1/96
10/1/01
7
15
5
C

West Virginia




540004
Philippi, City of
05/1/03
05/1/03
8
10
5
C

Wisconsin




550001
Adams County
10/1/91
10/1/91
9
5
5
C
550612
Allouez, Village of
10/1/92
10/1/02
7
15
5
C
550128
Eau Claire, City of
10/1/91
10/1/01
8
10
5
C
550578
Elm Grove, Village of
04/1/01
04/1/01
8
10
5
C
550022
Green Bay, City of
10/1/91
10/1/01
7
15
5
C
555562
La Crosse, City of
10/1/91
10/1/02
8
10
5
C
550085
Mazomanie, Village of
10/1/91
10/1/91
9
5
5
C
550310
Ozaukee County
10/1/91
10/1/91
9
5
5
C
550107
Watertown, City of
10/1/91
10/1/01
8
10
5
C
550108
Waupun, City of
10/1/91
10/1/01
8
10
5
C
550537
Winnebago County
10/1/91
10/1/01
8
10
5
C

Wyoming




560037
Casper, City of
10/1/00
10/1/00
9
5
5
C
560030
Cheyenne, City of
05/1/03
05/1/03
7
15
5
C
560013
Douglas, City of
10/1/93
10/1/93
9
5
5
C
560029
Laramie County
05/1/03
05/1/03
8
10
5
C
560085
Park County
10/1/91
10/1/96
10
0
0
R
560044
Sheridan, City of
10/1/95
10/1/95
9
5
5
C

SPECIAL PROCEDURES FOR TARGETED REPETITIVE LOSS PROPERTIES




LVI.   GENERAL DESCRIPTION

The primary objective of the repetitive loss
properties strategy is to eliminate or reduce
the damage to property and the disruption to
life caused by repeated flooding. A target
group of approximately 11,000 repetitive loss
properties' policies has been transferred to
the NFIP Servicing Agent's Special Direct
Facility (SDF).

The close supervision the SDF provides the
group of policies and the attention the group
of properties receives when mitigation
decisions are made contribute to attaining
the strategy's primary objective. The target
group consists of any NFIP insured property
that has met at least one of the following
paid flood loss criteria since 1978, regardless
of ownership:

41.   Four or more paid losses of more than
$1,000 each; or

42.   Two losses within a 10-year period that, in
the aggregate, equal or exceed the current
value of the insured property; or

43.   Three or more losses that, in the
aggregate, equal or exceed the current
value of the insured property.

The loss history includes all ownership of the
property since 1978 or since the building's
construction if built after 1978.

Target group policies with renewal dates of
August 1, 2000, and later will be afforded
coverage (new business or renewal) only
through the SDF.

The agent of record will remain in that
capacity while the policy is in the SDF. The
NFIP Servicing Agent will pay the agent of
record the standard 15 percent commission
that is paid on all NFIP Direct business.

LVII. NOTIFICATION REQUIREMENTS

The first full year of policy transfers to the
SDF was completed on July 31, 2001. More
policies will be transferred to the SDF as
additional properties meet one of the loss
criteria. As appeals are successful and
FEMA or its designee approves properties
for mitigation, policies will be transferred out
of the SDF.

When policies are to be transferred to the
SDF, the NFIP Bureau and Statistical Agent
will notify WYO companies and the NFIP
Servicing Agent at least 150 days prior to the
expiration date. The companies will notify the
affected policyholders and their agents 90
days before expiration of the policy. This
notice will explain that the policies are
ineligible for coverage outside of the SDF.
(See agent and policyholder notification
letters, pages RL 2-5.) Offers to renew will be
issued by the SDF approximately 45 days
prior to the expiration date.

LVIII.     DISPUTE RESOLUTION

When a policyholder has documentation that
the NFIP-insured property has not sustained
the losses reported by the NFIP Bureau and
Statistical Agent, an appeal may be
presented, in writing, to the SDF. All
documentation to substantiate the appeal
should be included with the appeal letter.
The policy will remain in the SDF until the
appeal is settled.

The policyholder and agent will be notified of
the results of the appeal. If the policyholder's
appeal is successful, the SDF policy will be
cancelled and the full premium will be
returned to the former carrier. The carrier will
write the policy using the SDF's effective
dates. If, however, a loss occurs both in the
current term and before the policy can be
returned to the former carrier, the SDF will
continue to service the claim and will return
the policy at the next renewal cycle.

LIX.   MITIGATION

Outside of the appeal process, when
mitigation efforts (other than buyout or
demolition) such as elevation, relocation, or
other approved mitigation efforts are
approved by FEMA, the property will be
removed from the SDF and the target group
at the next renewal.

If the property is bought out or demolished
according to an approved FEMA mitigation
project, and the efforts for the specific
property are FEMA approved, the policy will
be cancelled, returning the pro-rata premium
(less Federal Policy Fee and, if applicable,
Probation Surcharge). When a property is
bought out or demolished, any commission
chargeback to the agent will be forgiven.



HH.    IMPORTANT FLOOD INSURANCE POLICY INFORMATION

Dear Agent:

Your client's property, which is covered by flood insurance, is one of
about 11,000 properties nationwide
that have experienced repetitive flood losses under the National Flood
Insurance Program (NFIP).

You and your client know first-hand the disruption to life and property
that flooding can cause. The
Federal Emergency Management Agency (FEMA) is taking steps to control
costs for repetitive loss
properties, such as your client's, and to provide assistance in reducing
future flood losses. We have
identified certain properties, such as your client's, as being Repetitive
Loss Properties. These properties
are defined as meeting one of the following criteria based on paid flood
losses since 1978, regardless of
ownership:

1.     Four or more losses of more than $1,000 each.
2.    Two losses in a 10-year period that, in the aggregate, equal or
exceed the current value of the
insured property.
3.    Three or more losses that, in the aggregate, equal or exceed the
current value of the insured
property.

If there are multiple losses at the same location within 10 days of each
other, they are counted as one
loss, with the payment amounts added together.

Our strategy for reducing flood losses involves centralizing the
processing of all flood insurance policies
of this select group of repetitive flood loss buildings so we can verify
our underwriting and loss
information and collect information about the flood risk to your client's
property. We are working with
States and local communities to identify the most effective ways to
minimize future losses to the property
owner, as well as to us as the insurer. Our strategy will be carried out
in the following way:

?     Since August 2000, insurance companies that write flood insurance
under the NFIP have been
assigning all flood insurance policies for the select group of repetitive
loss properties upon
renewal to a centralized processing center operated by the NFIP's
Servicing Agent. We call this
center the Special Direct Facility (SDF).

?     Even though your client's policy will not be processed by the
chosen Write Your Own company
or by the traditional NFIP Direct program, you will continue as the agent
of record throughout the
process. While the policy remains in the SDF, you will receive the same
15 percent commission
that NFIP Direct agents receive.

?     About 45 days prior to the renewal date of this policy, your client
will receive a premium bill
from the NFIP Servicing Agent's SDF. This is the only bill that should be
paid.


Agent
Page 2


?     For the time being, the SDF will be the only source for NFIP flood
insurance coverage available
to your client to insure this property. As always, the full premium
amount and any related fees
should be paid. The policy that will be sent to your client will meet all
the requirements of any
mortgage company to the same extent as the current policy.

?     We have encouraged your client to continue to contact you directly
for any service needs on the
policy since you continue to be the policy's agent of record.

?     FEMA is working at the Federal level and with State governments to
reduce the losses
experienced by repetitively flooded properties. The States will be
examining innovative strategies
to deal with repetitive loss problems in local communities. We encourage
your client
to work with the local community in this process.

?     We provide an appeal procedure for your client to follow if he or
she believes that we have
incorrectly included the insured property on our select list of
repetitive loss properties.

Our goal is to reduce the devastating effects of repetitive flood losses
on us all as property owners and as
taxpayers. Please call the NFIP Servicing Agent's Special Direct Facility
at 1-800-638-6620 if you have
any questions regarding this letter and the repetitive loss properties
strategy, or visit our web site at
www.fema.gov/nfip for more information.

Sincerely,



David I. Maurstad
Acting Director
Mitigation Division
Emergency Preparedness and Response Directorate


II.   IMPORTANT FLOOD INSURANCE POLICY INFORMATION

Dear Policyholder:

The property covered by your flood insurance policy is one of about
11,000 properties nationwide that
have experienced repetitive flood losses under the National Flood
Insurance Program (NFIP).

As the owner of one of those properties, you know first-hand the
disruption to life and property that
flooding can cause. The Federal Emergency Management Agency (FEMA) is
taking steps to control costs
for repetitive loss properties, such as yours, and to assist you in
reducing future flood losses. We have
identified certain properties, such as yours, as being Repetitive Loss
Properties. These properties are
defined as meeting one of the following criteria based on paid flood
losses since 1978, regardless of
ownership:

1.    Four or more losses of more than $1,000 each.
2.    Two losses in a 10-year period that, in the aggregate, equal or
exceed the current value of the
insured property.
3.    Three or more losses that, in the aggregate, equal or exceed the
current value of the insured
property.

If there are multiple losses at the same location within 10 days of each
other, they are counted as one
loss, with the payment amounts added together.

Our strategy for reducing flood losses involves centralizing the
processing of all flood insurance policies
of this select group of repetitive flood loss buildings so we can verify
our underwriting and loss information
and collect information about your property's flood risk. We are working
with States and local communities
to identify the most effective ways to minimize future losses to you as
the property owner, as well as to us
as the insurer. Our strategy will be carried out in the following way:

?     Since August 2000, insurance companies that write flood insurance
under the NFIP have been
assigning all flood insurance policies for repetitive loss properties
upon renewal to a centralized
processing center operated by the NFIP's Servicing Agent. We call this
center the Special Direct
Facility (SDF).

?     About 45 days prior to the renewal date of this policy, you will
receive a premium bill from the
NFIP Servicing Agent's SDF. This is the only bill that should be paid.

?     For the time being, the SDF will be the only source for NFIP flood
insurance coverage available
to you to insure this property. As always, the full premium amount and
any related fees should
be paid. The policy that will be sent to you will meet all the
requirements of any mortgage
company to the same extent as the current policy.


Policyholder
Page 2


?     Your insurance agent will continue to provide you with customer
service on your flood insurance
policy, and you should continue to contact your agent directly for any
service needs.

?     FEMA is working at the Federal level and with State governments to
reduce the losses
experienced by repetitively flooded properties. The States will be
examining innovative strategies
to deal with repetitive loss problems in local communities. We encourage
you to work with your
local community in this process.

?     We provide an appeal procedure for you to follow if you believe
that we have incorrectly
included your property on our select list of repetitive loss properties.

Our goal is to reduce the devastating effects of repetitive flood losses
on us all as property owners and as
taxpayers. Please call the NFIP Servicing Agent's Special Direct Facility
at 1-800-638-6620 if you have
any questions regarding this letter and the repetitive loss properties
strategy, or visit our web site at
www.fema.gov/nfip for more information.

Sincerely,



David I. Maurstad
Acting Director
Mitigation Division
Emergency Preparedness and Response Directorate



DEFINITIONS



This list of terms is intended to include those that have specific
meaning to the National Flood Insurance
Program (NFIP). In a few instances, standard industry terms have been
added for additional focus and
emphasis.



Act. The National Flood Insurance Act of 1968
and any amendments to it.

Actual Cash Value (ACV). The cost to replace
an insured item of property at the time of loss,
less the value of its physical depreciation.

Adjuster Control Office. An NFIP claims office
similar to a Flood Insurance Claims Office
(FICO) with the exception that the Adjuster
Control Office does not house insured files,
maintain a claims examiner staff at the site, or
issue claim payments.

Anchored. Adequately secured to prevent
flotation, collapse, or lateral movement.

Application. The statement made and signed
by the prospective policyholder or the agent in
applying for an NFIP flood insurance policy. The
application gives information used to determine
the eligibility of the risk, the kind of policy to be
issued, and the correct premium payment. The
application is part of the flood insurance policy.
For a policy to be issued, the correct premium
payment must accompany the application.

Appurtenant Structure. A detached garage
servicing a 1-4 family dwelling.

Assignment. The transfer by a policyholder of
his/her legal right or interest in a policy contract
to a third party. In the NFIP, written assignment
of a policy is permissible upon transfer of title,
without the consent of the Federal Emergency
Management Agency (FEMA), except in the
case where a residential (household) contents-
only policy is involved or a policy was issued to
cover a building in the course of construction.

Base Flood. A flood having a 1 percent chance
of being equaled or exceeded in any given year.

Base Flood Depth (BFD). The depth shown on
the Flood Insurance Rate Map for Zone AO that
indicates the depth of water above highest
adjacent grade resulting from a flood that has a
1 percent chance of equaling or exceeding that
level in any given year.


Base Flood Elevation (BFE). The elevation
shown on the Flood Insurance Rate Map for
Zones AE, AH, A1-A30, AR, AR/A, AR/AE,
AR/A1-A30, AR/AH, AR/AO, V1-V30, and VE
that indicates the water surface elevation
resulting from a flood that has a one percent
chance of equaling or exceeding that level in
any given year.

Basement. Any area of the building, including
any sunken room or sunken portion of a room,
having its floor below ground level (subgrade) on
all sides.

Binder. A temporary agreement between
company, producer, and insured that the policy
is in effect. Binders are not permitted under the
NFIP.

Blanket Insurance. A single amount of
insurance applying to more than one building
and/or contents. Blanket insurance is not
permitted under the NFIP.

Breakaway Wall. A wall that is not part of the
structural support of the building and is intended
through its design and construction to collapse
under specific lateral loading forces, without
causing damage to the elevated portion of the
building or supporting foundation system.

Building.
?     A structure with two or more outside rigid
walls and a fully secured roof, that is affixed
to a permanent site; or
?     A manufactured home (a "manufactured
home," also known as a mobile home, is a
structure built on a permanent chassis,
transported to its site in one or more
sections, and affixed to a permanent
foundation); or
?     A travel trailer without wheels, built on a
chassis and affixed to a permanent
foundation, that is regulated under the
community's floodplain management and
building ordinances or laws.
"Building" does not mean a gas or liquid storage
tank or a recreational vehicle, park trailer, or
other similar vehicle, except as described above.



Building in the Course of Construction. A
walled and roofed building (see page GR 4 for
exception) that is principally above ground and
affixed to a permanent site. It does not include
building materials or supplies intended for use in
construction, alteration, or repair unless such
materials or supplies are within an enclosed
building on the premises.

Cancellation. The ending of the insurance
coverage provided by a policy before the
expiration date.
Cistern. Covered cisterns and the water in them
are defined as an integral part of an insurable
building, meaning under the building or above
ground and physically attached to a side of the
building with one of the walls of the building and
cistern being common to each other.

Claims Coordinating Office (CCO). A
clearinghouse for the various insurers who are
responding to a multi-peril catastrophe. Through
voluntary participation, all losses are reported to
the Claims Coordinating Office and are
processed to locate address matches among the
reported claims. The interest of each carrier is
protected as the Claims Coordinator maintains
sole control over the policy and loss information.
If a match is found, special care is taken to
direct the assigned adjuster(s) to a mutually
agreeable adjustment or to have one adjuster
surrender his/her loss with the assurance that
every effort will be made to replace it.

Closed Basin Lake. A natural lake from which
water leaves primarily through evaporation and
whose surface area exceeds or has exceeded
1 square mile at any time in the recorded past.
NFIP-insured buildings that are subject to
continuous lake flooding from a closed basin
lake are covered under the provisions of
Standard Flood Insurance Policy.

Coastal Barrier. A naturally occurring island,
sandbar, or other strip of land, including coastal
mainland, that protects the coast from severe
wave wash.

Coastal Barrier Improvement Act of 1990
(CBIA). Enacted on November 16, 1990, the Act
greatly expanded the identified land in the
Coastal Barrier Resources System established
pursuant to the Coastal Barrier Resources Act of
1982.

Coastal Barrier Resources Act of 1982
(CBRA). For the purposes of the NFIP, the
Coastal Barrier Resources Act of 1982
designated certain portions of the Gulf and East
Coasts as undeveloped coastal barriers. These
areas are shown on appropriate flood insurance
map panels and have certain coverage
restrictions.

Coastal Barrier Resources System (CBRS).
Communities, coastal barriers, and other
protected areas identified by the Department of
the Interior legislation defined above.

Coastal High Hazard Areas. Special Flood
Hazard Areas along the coasts that have
additional hazards due to wind and wave action.
These areas are identified on Flood Insurance
Rate Maps as Zones V, V1-V30, and VE.

Coinsurance. A penalty imposed on the loss
payment unless the amount of insurance carried
on the damaged building is at least 80 percent of
its replacement cost or the maximum amount of
insurance available for that building under the
NFIP, whichever is less. Coinsurance applies
only to building coverage under the Residential
Condominium Building Association Policy.

Community. A political entity that has the
authority to adopt and enforce floodplain
ordinances for the area under its jurisdiction.

Community Number. A 6-digit designation
identifying each NFIP community. The first two
numbers are the state code. The next four are
the FEMA-assigned community number. An
alphabetical suffix is added to a community
number to identify revisions in the Flood
Insurance Rate Map for that community.

Community Rating System (CRS). A program
developed by FEMA to provide incentives for
those communities in the Regular Program that
have gone beyond the minimum floodplain
management requirements to develop extra
measures to provide protection from flooding.

Condominium. That form of ownership of real
property in which each unit owner has an
undivided interest in common elements.

Condominium Association. The entity made
up of the unit owners responsible for the
maintenance and operation of:
?     Common elements owned in undivided
shares by unit owners;
?     Other real property in which the unit owners
have use rights;
where membership in the entity is a required
condition of unit ownership.
Countywide Map. A Flood Insurance Rate Map
that shows flooding information for the entire
geographic area of a county, including the
incorporated communities within the county.

Date of Construction. The date that the
building permit was issued, provided the actual
start of construction, repair, reconstruction, or
improvement was within 180 days of the permit
date.

Declarations Page. A computer-generated
summary of information provided by the
prospective policyholder in the application for
flood insurance. The Declarations Page also
describes the term of the policy and the limits of
coverage and displays the premium and the
insurer's name. The Declarations Page is a part
of the flood insurance policy.

Deductible Buyback. The option whereby, for
an additional premium, policyholders who wish
to reduce their deductibles from the standard
deductibles of $1,000 per building loss and per
contents loss for Pre-FIRM risks may purchase
separate $500 deductibles for building and
contents coverages.

Described Location. The location where the
insured building or personal property is found.
The described location is shown on the
Declarations Page.

Diagram Number. Any of the numbers used in
the instructions to the FEMA Elevation
Certificate to identify the diagrams of the eight
main types of buildings.

Direct Physical Loss By or From Flood. Loss
or damage to insured property, directly caused
by a flood. There must be evidence of physical
changes to the property.

Doublewide Manufactured (Mobile) Home. A
manufactured (mobile) home that, when
assembled as a nonmovable, permanent
building, is at least 16 feet wide and has an area
within its perimeter walls of at least 600 square
feet.

Dwelling. A building designed for use as a
residence for no more than four families or a
single-family unit in building under a
condominium form of ownership.
Dwelling Form. See "Standard Flood Insurance
Policy–Dwelling Form."

Elevated Building. A building that has no
basement and that has its lowest elevated floor
raised above ground level by foundation walls,
shear walls, posts, piers, pilings, or columns.
Solid perimeter foundations walls are not an
acceptable means of elevating buildings in V
and VE zones.

Emergency Program. The initial phase of a
community's participation in the National Flood
Insurance Program. During this phase, only
limited amounts of insurance are available under
the Act.

Enclosure. That portion of an elevated building
below the lowest elevated floor that is either
partially or fully shut in by rigid walls.

Erosion. The collapse, undermining, or
subsidence of land along the shore of a lake or
other body of water. Erosion is a covered peril if
it is caused by waves or currents of water
exceeding their cyclical levels which result in
flooding.

Expense Constant. A flat fee formerly charged
on each new and renewal policy, the Expense
Constant was eliminated effective May 1, 2003,
and no longer affects the premium calculation
for new and renewal business. However, the
Expense Constant may affect the calculation of
refunds going back prior to May 1, 2003, for
policy cancellations and endorsements.

Federal Emergency Management Agency
(FEMA). The federal agency under which the
National Flood Insurance Program (NFIP) is
administered. In March 2003, FEMA became
part of the newly created U.S. Department of
Homeland Security.

Federal Policy Fee. A flat charge that the
policyholder must pay on each new or renewal
policy to defray certain administrative expenses
incurred in carrying out the National Flood
Insurance Program.

Financial Assistance/Subsidy Arrangement.
The arrangement between an insurance
company and FEMA to initiate the company's
participation in the Write Your Own (WYO)
Program. It establishes the duties of the
company and the government.

Finished (Habitable) Area. An enclosed area
having more than 20 linear feet of finished walls
(paneling, etc.) or used for any purpose other
than solely for parking of vehicles, building
access, or storage.

Flood.
?     A general and temporary condition of partial
or complete inundation of two or more acres
of normally dry land area or of two or more
properties (at least one of which is the
policyholder's property) from:


      –     Overflow of inland or tidal waters;
      –     Unusual and rapid accumulation or
runoff of surface waters from any
source; or
      –     Mudflow; or
?     Collapse or subsidence of land along the
shore of a lake or similar body of water as a
result of erosion or undermining caused by
waves or currents of water exceeding
anticipated cyclical levels that result in a flood
as defined above.

Flood Hazard Boundary Map (FHBM). Official
map of a community issued by FEMA, where the
boundaries of the flood, mudflow, and related
erosion areas having special hazards have been
designated.

Flood Insurance Claims Office (FICO). An
NFIP claims processing office set up in a
catastrophe area when a sufficient number of
flood claims result from a single event.

Flood Insurance Rate Map (FIRM). Official
map of a community on which FEMA has
delineated both the special hazard areas and
the risk premium zones applicable to the
community.

Flood Response Office (FRO). The FRO
provides a local presence in the affected area
and supports the WYO companies, the NFIP
Servicing Agent, and various federal, state, and
local officials in providing answers to claims
coverage questions, forms for claims handling,
and survey and statistical input. One of the key
requirements of personnel at the FRO is to
coordinate and conduct reinspections of WYO
and NFIP Direct losses. The FRO also tracks
adjuster performance and provides such
information to interested WYO and NFIP Direct
companies.

Floodplain. Any land area susceptible to being
inundated by flood waters from any source.

Floodplain Management. The operation of an
overall program of corrective and preventive
measures for reducing flood damage, including
but not limited to, emergency preparedness
plans, flood control works, and floodplain
management regulations.

Floodproofing. Any combination of structural
and nonstructural additions, changes, or
adjustments to structures, which reduce or
eliminate risk of flood damage to real estate or
improved real property, water and sanitation
facilities, or structures with their contents.

Freeboard. An additional amount of height
above the Base Flood Elevation used as a factor
of safety (e.g., 2 feet above the Base Flood) in
determining the level at which a structure's
lowest floor must be elevated or floodproofed to
be in accordance with State or community
floodplain management regulations.

General Property Form. See "Standard Flood
Insurance Policy–General Property Form."

Grade Elevation. The lowest or highest finished
ground level that is immediately adjacent to the
walls of the building. Use natural (pre-
construction), ground level, if available, for Zone
AO and Zone A (without BFE).

Grandfathering. An exemption based on
circumstances previously existing. Under the
NFIP, buildings located in Emergency Program
communities and Pre–Flood Insurance Rate
Map buildings in the Regular Program are
eligible for subsidized flood insurance rates.
Post–Flood Insurance Rate Map buildings in the
Regular Program built in compliance with the
floodplain management regulations in effect at
the start of construction will continue to have
favorable rate treatment even though higher
base flood elevations or more restrictive, greater
risk zone designations result from Flood
Insurance Rate Map revisions.

Group Flood Insurance. Issued by the NFIP
Direct Program in response to a Presidential
disaster declaration. Disaster assistance
applicants, in exchange for a modest premium,
receive a minimum amount of building and/or
contents coverage for a 3-year policy period. An
applicant may cancel the group policy at any
time and secure a regular Standard Flood
Insurance Policy through the NFIP.

High-Rise Building. High-rise condominium
buildings have five or more units and at least
three floors excluding enclosure even if it is the
lowest floor for rating purposes. An enclosure
below an elevated building, even if it is the
lowest floor for rating purposes, cannot be
counted as a floor to avoid classifying the
building as low rise.

Historic Building. Any building that is:
?     Listed individually in the National Register of
Historic places (a listing maintained by the
Department of the Interior) or preliminarily
determined by the Secretary of the Interior
as meeting the requirements for individual
listing on the National Register; or
?     Certified or preliminarily determined by the
Secretary of the Interior as contributing to
the historical significance of a registered
historic district or a district preliminarily
determined by the Secretary to qualify as a
registered historic district; or
?     Individually listed in a state inventory of
historic places in states with preservation
programs that have been approved by the
Secretary of the Interior; or
?     Individually listed on a local inventory of
historic places in communities with historic
preservation programs that have been
certified either:
–     By an approved state program as
determined by the Secretary of the
Interior, or
–     Directly by the Secretary of the Interior
in states without approved programs.

Increased Cost of Compliance. Coverage for
expenses that a property owner must incur,
above and beyond the cost to repair the physical
damage the structure actually sustained from a
flooding event, to comply with mitigation
requirements of State or local floodplain
management ordinances or laws. Acceptable
mitigation measures are elevation, floodproofing,
relocation, demolition, or any combination
thereof.

Letter of Determination Review (LODR).
FEMA's ruling on the determination made by a
lender or third party that a borrower's building is
in a Special Flood Hazard Area (SFHA). A
LODR deals only with the location of a building
relative to the SFHA boundary shown on the
Flood Insurance Rate Map.

Letter of Map Amendment (LOMA). An
amendment to the currently effective FEMA map
which establishes that a property is not located
in a Special Flood Hazard Area. A LOMA is
issued only by FEMA.

Letter of Map Revision (LOMR). An official
amendment to the currently effective FEMA
map. It is issued by FEMA and changes flood
zones, delineations, and elevations.

Loss in Progress. A loss that is already in
progress as of 12:01 a.m. on the first day of the
policy term; or, as to any increase in the limits of
coverage which is requested, a loss that is
already in progress when the additional
coverage is requested.

Lowest Adjacent Grade. The lowest point of
the ground level next to the building.

Lowest Floor. The lowest floor of the lowest
enclosed area (including a basement). An
unfinished or flood-resistant enclosure, usable


solely for parking of vehicles, building access, or
storage in an area other than a basement area,
is not considered a building's lowest floor
provided that such enclosure is not built so as to
render the structure in violation of requirements.

Lowest Floor Elevation (LFE). The measured
distance of a building's lowest floor above the
National Geodetic Vertical Datum (NGVD) or
other datum specified on the FIRM for that
location.

Low-Rise Building. Low-rise condominium
buildings have fewer than five units regardless
of the number of floors or five or more units with
fewer than three floors including basement. All
townhouses/rowhouses, regardless of the
number of floors or units, and all single-family
detached condominium buildings are classified
as low rise. An enclosure below an elevated
building, even if it is the lowest floor for rating
purposes, cannot be counted as a floor to avoid
classifying the building as low rise.

Mandatory Purchase. Under the provisions of
the Flood Disaster Protection Act of 1973,
individuals, businesses, and others buying,
building, or improving property located in
identified areas of special flood hazards within
participating communities are required to
purchase flood insurance as a prerequisite for
receiving any type of direct or indirect federal
financial assistance (e.g., any loan, grant,
guaranty, insurance, payment, subsidy, or
disaster assistance) when the building or
personal property is the subject of or security for
such assistance.

Manufactured (Mobile) Home. A structure built
on a permanent chassis, transported to its site in
one or more sections, and affixed to a
permanent foundation. "Manufactured (mobile)
home" does not include recreational vehicles.

Manufactured (Mobile) Home Park or
Subdivision, Existing. A manufactured
(mobile) home park or subdivision for which the
construction of facilities for servicing the lots on
which the manufactured (mobile) homes are to
be affixed (including, at a minimum, the
installation of utilities, the construction of streets,
and either final site grading or the pouring of
concrete pads) is completed on or before
December 31, 1974, or before the effective date
of the community's initial FIRM, whichever is
later.


Manufactured (Mobile) Home Park or Subdivision, Expansion to Existing
Site. The preparation of
additional sites by the construction of facilities for servicing the lots
on which manufactured (mobile)
homes are to be affixed (including the installation of utilities, the
construction of streets, and either final
site grading or the pouring of concrete pads).

Manufactured (Mobile) Home Park or Subdivision, New. A manufactured
(mobile) home park or
subdivision for which the construction of facilities for servicing the
lots on which the manufactured
(mobile) homes are to be affixed (including, at a minimum, the
installation of utilities, the construction of
streets, and either final site grading or the pouring of concrete pads)
is completed after December 31,
1974, or on or after the effective date of the community's initial FIRM,
whichever is later.

Map Revision. A change in the FHBM or FIRM for a community which reflects
revised zone, base flood,
or other information.

Mean Sea Level. See National Geodetic Vertical Datum (NGVD).

Modular Building. A building that is usually transported to its site on a
steel frame or special trailer
because it does not have a permanent chassis like a manufactured (mobile)
home. A modular building is
classified and rated under one of the other building types.

Mortgage Portfolio Protection Program (MPPP). A program designed to help
lending institutions
maintain compliance with the Flood Disaster Protection Act of 1973, as
amended. Policies written under
the MPPP can be placed only through a WYO Company.

Mudflow. A river of liquid and flowing mud on the surfaces of normally
dry land areas, as when earth is
carried by a current of water. Other earth movements, such as landslide,
slope failure, or a saturated soil
mass moving by liquidity down a slope, are not mudflows.

National Flood Insurance Program (NFIP). The program of flood insurance
coverage and floodplain
management administered under the Act and applicable Federal regulations
promulgated in Title 44 of
the Code of Federal Regulations, Subchapter B.

National Geodetic Vertical Datum (NGVD). National standard reference
datum for elevations, formerly
referred to as Mean Sea Level (MSL) of 1929. NGVD is used as the
reference datum on most FIRMs.

Natural Grade. The grade unaffected by construction techniques such as
fill, landscaping, or berming.

New Construction. Buildings for which the "start of construction"
commenced on or after the effective
date of an initial FIRM or after December 31, 1974, whichever is later,
including any subsequent
improvements.
NFIP Bureau and Statistical Agent. A corporation, partnership,
association, or any other organized
entity that contracts with the Federal Emergency Management Agency to be
the focal point of support
operations for the NFIP.

NFIP Servicing Agent. A corporation, partnership, association, or any
other organized entity that
contracts with the Federal Emergency Management Agency to service
insurance policies as direct
business.

NFIP Special Direct Facility (SDF). Formed in 2000, a branch of the NFIP
Servicing Agent to which
WYO companies transfer renewals for identified properties in the
Repetitive Loss Target Group so that
mitigation assistance can be offered to the policyholders.

Non-Residential. Includes, but is not limited to: small business
concerns, churches, schools, farm
buildings (including grain bins and silos), poolhouses, clubhouses,
recreational buildings, mercantile
structures, agricultural and industrial structures, warehouses, hotels
and motels with normal room rentals
for less than 6 months' duration, and nursing homes.

Nullification. The act of declaring an insurance contract invalid from
its inception so that, from a legal
standpoint, the insurance contract never existed.

Other Residential. Hotels or motels where the normal occupancy of a guest
is 6 months or more; a
tourist home or rooming house which has more than four roomers. A
residential building (excluding hotels
and motels with normal room rentals for less than 6 months' duration)
containing more than four dwelling
units. Incidental occupancies such as office, professional private
school, or studio occupancy, are
permitted if the total area of such incidental occupancies is limited to
less than 25 percent of the total floor
area within the building.

Out-As-Shown Determination. An alternative outcome of the FEMA Letter of
Map Amendment (LOMA)
review process stating that a specific property is located outside the
Special Flood Hazard Area as
indicated on the Flood Hazard Boundary Map or Flood Insurance Rate Map.

Participating Community. A community for which FEMA has authorized the
sale of flood insurance
under the NFIP.

Policy. The entire written contract between the insured and the insurer.
It includes:
?     The printed policy form;
?     The application and Declarations Page;
?     Any endorsement(s) that may be issued; and
?     Any renewal certificate indicating that coverage has been
instituted for a new policy and new policy
term.
Only one dwelling, specifically described by the prospective policyholder
in the application, may be
insured under a policy.

Pollutants. Substances that include, but are not limited to, any solid,
liquid, gaseous, or thermal irritant or
contaminant, including smoke, vapor, soot, fumes, acids, alkalis,
chemicals, and waste. "Waste" includes,
but is not limited to, materials to be recycled, reconditioned, or
reclaimed.

Ponding Hazard. A flood hazard that occurs in flat areas when there are
depressions in the ground that
collect "ponds" of water. The ponding hazard is represented by the zone
designation AH on the FIRM.

Post-FIRM Building. A building for which construction or substantial
improvement occurred after
December 31, 1974, or on or after the effective date of an initial Flood
Insurance Rate Map (FIRM),
whichever is later.

Pre-FIRM Building. A building for which construction or substantial
improvement occurred on or before
December 31, 1974, or before the effective date of an initial Flood
Insurance Rate Map (FIRM).

Preferred Risk Policy (PRP). A policy that offers fixed combinations of
building/contents coverage or
contents-only coverage at modest, fixed premiums. The PRP is available
for property located in B, C, and
X Zones in Regular Program communities that meets eligibility
requirements based on the property's
flood loss history.

Prepaid Amount (Total). The total amount that must be submitted with an
application or renewal in order
to be acceptable for coverage. It is determined by adding the Federal
Policy Fee to the Total Prepaid
Premium.

Prepaid Premium (Total). The amount on the application (excluding the
Preferred Risk Application) that
includes the Annual Subtotal, the ICC Premium, the CRS Premium Discount
(if applicable), and the
Probation Surcharge (if applicable).
Presentment of Payment (Premium). The date of receipt of premium at the
office of the NFIP or the
date of certified mail. In the case of transfer of title, the date of
settlement or closing, when the premium is
paid at that time.

Principal Residence. A single-family dwelling in which, at the time of
loss, the named insured or the
named insured's spouse has lived for either 80 percent of the 365 days
immediately preceding the loss,
or 80 percent of the period of ownership, if less than 365 days.

Principally Above Ground Building. A building that has at least 51
percent of its actual cash value,
including machinery and equipment, above ground.

Probation. A FEMA-imposed change in a community's status resulting from
violations and deficiencies in
the administration and enforcement of NFIP local floodplain management
regulations.

Probation Surcharge (Premium). A flat charge that the policyholder must
pay on each new or renewal
policy issued covering property in a community that the NFIP has placed
on probation under the
provisions of 44 CFR 59.24.

Proper Openings - Enclosures (Applicable to Zones A, A1-A30, AE, AO, AH,
AR, and AR Dual). All
enclosures below the lowest elevated floor must be designed to
automatically equalize hydrostatic flood
forces on exterior walls by allowing for the entry and exit of
floodwaters. A minimum of two openings, with
positioning on at least two walls, having a total net area of not less
than 1 square inch for every square foot
of enclosed area subject to flooding must be provided. The bottom of all
openings must be no higher than 1
foot above grade.

Property Removed to Safety Expense. Up to $1,000 of reasonable expenses
incurred by the insured to
temporarily remove insured property from the described location because
of flood or the imminent danger
of flood.

Provisional Rating. A method for placing flood coverage prior to the
receipt of a FEMA Elevation
Certificate.

Regular Program. The final phase of a community's participation in the
National Flood Insurance
Program. In this phase, a Flood Insurance Rate Map is in effect and full
limits of coverage are available
under the Act.
Regular Program Community. A community wherein a FIRM is in effect and
full limits of coverage are
available under the Act.

Repetitive Loss Structure. An NFIP-insured structure that has had at
least two paid flood losses of more
than $1,000 each in any 10-year period since 1978.

Repetitive Loss Target Group. NFIP-insured properties that, on the basis
of losses since 1978, meet
one or more of the loss criteria described on page RL 1. WYO companies
began transferring renewals for
identified properties in this group to the NFIP Special Direct Facility
(SDF, a branch of the NFIP Servicing
Agent) on August 1, 2000, so that mitigation assistance can be offered to
the policyholders.

Replacement Cost Value (RCV). The cost to replace property with the same
kind of material and
construction without deduction for depreciation.

Residential Condominium Building. A building, owned and administered as a
condo-minium,
containing one or more family units and in which at least 75 percent of
the floor area is residential.

Residential Condominium Building Association Policy (RCBAP). See
"Standard Flood Insurance
Policy–Residential Condomin-ium Building Association Policy (RCBAP)."

Scheduled Building Policy. A policy that requires a specific amount of
insurance to be designated for each
building and its contents.

Section 1316. Section of the National Flood Insurance Act of 1968, as
amended, which states that no
new flood insurance coverage shall be provided for any property that FEMA
finds has been declared by a
duly constituted state or local zoning authority or other authorized
public body to be in violation of state or
local laws, regulations, or ordinances that are intended to discourage or
otherwise restrict land
development or occupancy in flood-prone areas.

Shear Walls. Walls used for structural support but not structurally
joined or enclosed at the ends (except by
breakaway walls). Shear walls are parallel, or nearly parallel, to the
flow of the water and can be used in any
flood zone.

Sheet Flow Hazard. A type of flood hazard with flooding depths of 1 to 3
feet that occurs in areas of
sloping land. The sheet flow hazard is represented by the zone
designation AO on the FIRM.

Single Adjuster Program. A procedure implemented among the NFIP, various
wind pools, and WYO
Companies to allow one adjuster to represent both carriers in adjusting a
combined wind-water loss
where the NFIP has the flood coverage and another carrier has the wind
coverage.

Single Building. A building that is separated from other buildings by
intervening clear space or solid,
vertical, load-bearing division walls.

Single-Family Residence. A residential single-family dwelling. Incidental
office, professional, private
school, or studio occupancies, including a small service operation, are
permitted if such incidental
occupancies are limited to less than 50 percent of the building's total
floor area.

Solid Perimeter Foundation Walls. Walls that are used as a means of
elevating a building in A Zones
and that must contain sufficient openings to allow for the unimpeded flow
of floodwaters more than 1 foot
deep.

Special Flood Hazard Area (SFHA). An area having special flood, mudflow,
or flood-related erosion
hazards, and shown on a Flood Hazard Boundary Map or Flood Insurance Rate
Map as Zone A, AO, A1-
A30, AE, A99, AH, AR, AR/A, AR/AE, AR/AH, AR/AO, AR/A1-A30, V1-V30, VE,
or V. For the purpose of
determining Community Rating System premium discounts, all AR and A99
zones are treated as non-
SFHAs.

Standard Flood Insurance Policy–Dwelling Form. Policy issued to insure a
building and/or residential
contents on a single-family or a 2-4 family dwelling.

Standard Flood Insurance Policy–General Property Form. Policy issued to
insure a building and/or
contents on other residential or non-residential buildings.

Standard Flood Insurance Policy–Residential Condominium Building
Association Policy (RCBAP).
Policy issued to insure a residential condominium building and all units
within the building, provided that
the building is located in a Regular Program community and at least 75
percent of the total floor area is
residential.
Start of Construction. For other than new construction or substantial
improvements, under the Coastal
Barrier Resources Act, this is the date when the building permit was
issued, provided that the actual start
of construction, repair, rehabilitation, addition, placement, or other
improvement was within 180 days of
the permit date. The actual start means either the first placement of
permanent construction of a building
on site, such as the pouring of a slab or footing, the installation of
piles, the construction of columns, or
any work beyond the stage of excavation; or the placement of a
manufactured (mobile) home on a
foundation. For a substantial improvement, actual start of construction
means the first alteration of any
wall, ceiling, floor, or other structural part of a building, whether or
not that alteration affects the external
dimensions of the building.

Stock. Merchandise held in storage or for sale, raw materials, and in-
process or finished goods, including
supplies used in their packing or shipping. "Stock" does not include any
property not covered under
"Section IV. Property Not Covered" of the General Property Form, except
the following:
?     Parts and equipment for self-propelled vehicles;
?     Furnishings and equipment for watercraft;
?     Spas and hot-tubs, including their equipment; and
?     Swimming pool equipment.

Submit-for-Rate. An application for flood insurance on a building for
which no risk rate is published in the
Flood Insurance Manual. Insurance coverage can be obtained only after the
NFIP has approved the
application and has established the risk premium rate.

Substantial Damage. Damage of any origin sustained by a building whereby
the cost of restoring the
building to its before-damaged condition would equal or exceed 50 percent
of the market value of the
building before the damage occurred.

Substantial Improvement. Any reconstruction, rehabilitation, addition, or
other improvement of a
building, the cost of which equals or exceeds 50 percent of the market
value of the building before the
"start of construction" of the improvement. Substantial improvement
includes buildings that have incurred
"substantial damage," regardless of the actual repair work performed. The
term does not, however,
include either any project for improvement of a building to correct
existing state or local code violations or
any alteration to a "historic building," provided that the alteration
will not preclude the building's continued
designation as a "historic building."
Suspension. FEMA's removal of an NFIP participating community from the
Program because the
community has not enacted and/or enforced the proper floodplain
management regulations required for
participation.

Tentative Rates. Unpublished NFIP rates used to issue policies for
applications that fail to provide the
NFIP with valid actuarial rating information.

Travel Trailer. Under the NFIP, a travel trailer can be considered a
building only if it is without wheels,
built on a chassis and affixed to a permanent foundation, and regulated
under the community's floodplain
management and building ordinances or laws.

2- to 4-Family Residence. A residential building (excluding hotels and
motels with normal room rentals
for less than 6 months' duration) containing no more than four dwelling
units. Incidental occupancies such
as office, professional, private school, or studio space are permitted if
the total area of such occupancies
is limited to less than 25 percent of the total floor area within the
building.

Underground Building. A building for which 50 percent or more of the
actual cash value, including
machinery and equipment that are part of the building, is below ground.

Unfinished Area. An enclosed area that is used only for the parking of
vehicles, building access, or
storage purposes and that does not meet the definition of a finished
(habitable) area. Sheet-rock (drywall)
used for fire protection is permitted in unfinished areas.

Unit. A single-family unit owned by the policyholder in a condominium
building.

Valued Policy. A policy in which the insured and the insurer agree on the
value of the property insured,
that value being payable in the event of a total loss. The Standard Flood
Insurance Policy is not a valued
policy.

Variance. A grant of relief by a participating community from the terms
of its floodplain management
regulations.
Waiting Period. The time between the date of application and the policy
effective date.

Walled and Roofed. A building that has two or more exterior rigid walls
and a fully secured roof and that
is affixed to a permanent site.
Wave Height Adjustment. A measurement that is added to the base flood
elevation for V Zones shown
on the Flood Insurance Rate Map published prior to 1981. For coastal
communities, the base flood
elevation shown on Flood Insurance Rate Maps published prior to 1981 are
still-water elevations, which
include


only the effects of tide and storm surge, and not the height of wind-
generated waves.

Write Your Own (WYO) Program. A cooperative undertaking of the insurance
industry and the Federal
Emergency Management Agency begun in October 1983. The WYO Program
operates within the context
of the NFIP and involves private insurance carriers who issue and service
National Flood Insurance
Program policies.

Zone. A geographical area shown on a Flood Hazard Boundary Map or a Flood
Insurance Rate Map that
reflects the severity or type of flooding in the area.




INDEX




        A

ABOVE GROUND BUILDING, PRINCIPALLY GR 2, DEF 7
ACT   REF 1, GR 6, DEF 1
ACTUAL CASH VALUE (ACV)       DEF 1
ADDITIONS AND EXTENSIONS
  (TO BUILDING) GR 4, RATE 16
ADJUSTER CONTROL OFFICE       CL 1, DEF 1
ALTERNATIVE RATES RATE 21, END 2
ANCHORED    GR 2-3, DEF 1
APPLICATION GR 11, APP 1-11,
      CONDO 8-9, PRP 4-7, DEF 1
      Binders     GR 7, DEF 1
      Flood Insurance Application Form APP 9-11
      Incomplete/Incorrect Applications APP 8
      Mailing Instructions    GR 7, 11, APP 8
APPURTENANT STRUCTURE GR 2, DEF 1
ASSESSMENT COVERAGE     CONDO 7
ASSIGNMENT OF POLICY    GR 11, MPPP 6, DEF 1
     B

BASE FLOOD DEF 1
BASE FLOOD DEPTH RATE 18, DEF 1
BASE FLOOD ELEVATION (BFE)    RATE 17-21,
      MAP 2, 3, DEF 1
BASEMENT    APP 1, 3, RATE 24, CERT 3, 4-5, DEF 1
BINDER      GR 7, DEF 1
BLANKET INSURANCE DEF 1
BOATHOUSES GR 3
BREAKAWAY WALLS GR 4, RATE 20, DEF 1
BUILDING    GR 2-5, 6-7, APP 3-4, DEF 1
      Additions and Extensions      GR 4, RATE 16
      Building Coverage Limits      RATE 1
      Building in the Course of Construction GR 4,
            APP 5, DEF 2
      Buildings In More Than One Flood Zone    GR 10,
            RATE 17
      Building on Fill PR 2
      Building Over Water     GR 3, 6
      Building Partially Underground      GR 6
      Container-Type Building       GR 6
      Contents    GR 5, 6, 7, APP 4, RATE 1, 25-28
      Elevated Building APP 1, 3, 4, 5, 6, 7,
            RATE 19-21, DEF 3
      Floodproofed Building RATE 30-31,CERT 3-8, DEF 4
      Manufactured (Mobile) Home/Travel Trailer      GR 2-3,
            APP 1, 4, 5, 7, RATE 15, 16, PR 1, DEF 3, 5, 9
      Section 1316      GR 6, DEF 8
      Single Building GR 4, DEF 8
      Start of Construction RATE 15-16, DEF 9
      Substantial Improvement       APP 5, RATE 15-16, DEF 9
      Types of Buildings      APP 1, 3-7, CONDO 6, 8
BUILDING DIAGRAMS 1-8 LFG 4-7, CERT 18-19
BUILDING DRAWINGS LFG 8-59
BUILDING OCCUPANCY      GR 4-5

     C

CANCELLATION/NULLIFICATION   CONDO 8, PRP 2,
      MPPP 6, CN 1-10, DEF 2, 6
      Cancellation/Nullification Request Form CN 9-10
      Form Completion CN 6-7
      Reason Codes for Cancellation/Nullification   CN 1-6
      Refunds     CN 1-6, 7
CERTIFICATIONS    CERT 1-19
CISTERNS    GR 3, 5, DEF 2
CLAIMS      CL 1-2
      Increased Cost of Compliance (ICC) Claims     CL 2
      Insured's Responsibilities   CL 1
      Producer's Responsibilities CL 1, 2
      Single Adjuster Program      CL 1-2, DEF 8
      Training    CL 2
CLAIMS COORDINATING OFFICE (CCO) CL 1-2, DEF 2
CLOSED BASIN LAKE CN 6, DEF 2
COASTAL BARRIER DEF 2
COASTAL BARRIER RESOURCES
  SYSTEM (CBRS) CBRS 1-12, DEF 2
      Coastal Barrier Improvement Act
         of 1990 (CBIA) CBRS 1, DEF 2
      Coastal Barrier Resources Act
            of 1982 (CBRA)    GR 1, CBRS 1, DEF 2
       List of CBRS Communities     CBRS 3-12
COASTAL HIGH HAZARD AREA      RATE 29-30, DEF 2
COINSURANCE CONDO 7, DEF 2
COMMERCIAL CONTENTS     GR 5, CONDO 2
COMMISSION, PRODUCER'S GR 11, CONDO 7, CN 8
COMMON INTERIOR WALLS GR 4
COMMUNITY (See also PROBATION and
  SUSPENSION)     GR 1, APP 2-3, DEF 2
      Community Eligibility GR 1
      Community Number APP 3, DEF 2
      Community Status APP 3
      Non-Participating Community GR 1, APP 3
      Participating Community       GR 1, DEF 7
      Regular Program Community     DEF 8
COMMUNITY RATING SYSTEM (CRS)       CRS 1-28, DEF 2
CONDOMINIUM ASSOCIATION       CONDO 1-2, DEF 2
CONDOMINIUMS      CONDO 1-31, DEF 2
CONTACT INFORMATION, NFIP     REF 3-6
CONTENTS    GR 5, 6, 7, APP 4, RATE 1, 25-28
CONSTRUCTION DATA APP 4-6
CONTINUOUS LAKE FLOODING      CN 6
COOPERATIVES      GR 5
COUNTYWIDE MAP    MAP 1, DEF 3
COURSE OF CONSTRUCTION GR 4, APP 5,
DEF 2
COVERAGE    GR 9-10, RATE 1-10, CONDO 6-7, 8-9,
PRP 3, MPPP 3-4, END 1
      Additional Coverage or Increase in Coverage     END 1
      Amount of Insurance Available       RATE 1
      Building Coverage GR 2-5, 6-7, RATE 1,
      CONDO 8, PRP 3
      Contents Coverage GR 5, 6, 7, APP 4, RATE 1,
      CONDO 9, PRP 3
      Contents-Only Coverage RATE 55, PRP 1, 2, 3
      Limits of Coverage      GR 9-10, RATE 1,
CONDO 6-7, 8-9, PRP 3, MPPP 3-4
      Reduction or Reformation/Removal
         of Insurance GR 10, END 1, MPPP 5, PR 1
CRAWL SPACE RATE 24, CERT 2, LFG 1
CREDIT CARD PAYMENT     APP 6, 7, REN 1, 8, MAP 4
CREDIT CARD PAYMENT FORM      REN 1, 8

     D

DATE OF CONSTRUCTION   APP 4-5, RATE 15
      DEF 3
DECLARATIONS PAGE MPPP 4-5, DEF 3
DEDUCTIBLE BUYBACK      RATE 12, DEF 3
DEDUCTIBLE FACTORS      RATE 13, CONDO 22
DEDUCTIBLES GR 9, APP 4, RATE 12, 13, 17,
      CONDO 7, 22, PRP 2, MPPP 5, END 2
DEFINITIONS DEF 1-10
DESCRIBED LOCATION      DEF 3
DIAGRAM NUMBER    DEF 3
DIRECT PHYSICAL LOSS BY OR FROM FLOOD     DEF 3
DIRECT PROGRAM    REF 2, 3, GR 11,
      APP 8, CONDO 7
DISASTER ASSISTANCE     GR 2, APP 2, PRP 4
DOUBLEWIDE MANUFACTURED (MOBILE)
  HOME      APP 1, DEF 3
DUPLICATE POLICIES      CN 2, 5
DWELLING    DEF 3
DWELLING FORM (See also STANDARD FLOOD
  INSURANCE POLICY)     GR 1, CONDO 8, POL 1, 2-21

     E

EFFECTIVE DATE    GR 7-9, PRP 1, REN 2
ELEVATED BUILDING (See also LOWEST FLOOR GUIDE)
      APP 1, 3, 4, 5, 6, 7, RATE 19-21, DEF 3
ELEVATION CERTIFICATE APP 5-6, LFG 1, 3-7,
      CERT 1-3, 9-19
ELEVATION DIFFERENCE    RATE 17-19, 30
ELIGIBLE BUILDINGS      GR 2-5, CONDO 6
ELIGIBLE COMMUNITY (See PARTICIPATING
  COMMUNITY)
ELIGIBLE CONTENTS GR 5, 6
EMERGENCY PROGRAM GR 1, RATE 1, DEF 3
ENCLOSED AREA     APP 3, LFG 1-2
ENCLOSURE/ENCLOSED AREA (See also LOWEST
  FLOOR GUIDE)    APP 1, 3, RATE 19-20,
LFG 1-2, 3, 5, 7, DEF 3
ENDORSEMENT GR 9, CONDO 8,
PRP 2, MPPP 6, END 1-14, PR 1
      Endorsement Processing Prior to Policy Renewal      END 3
      Endorsement Rules: Changing Deductibles END 2
      Endorsement Rules: Conversion of Standard Rated
        Policy to PRP Due to Misrating or Map Revision    END 2
      Endorsement Rules: Correcting Property Address      END 2
      Endorsement Rules: Coverage Endorsements      END 1
      Endorsement Rules: Misrated Policy END 2
      Endorsement Rules: Rating Endorsements END 1-2
      Endorsements During Renewal Cycle REN 2
      General Change Endorsement Form    END 13-14
      Preparation of Form     END 3-4
      Rating Examples END 5-12
      Refund Processing END 3-4
EQUIPMENT (See MACHINERY AND EQUIPMENT)
EROSION     DEF 3
ERRORS, RATING    END 1-2
EVIDENCE OF INSURANCE GR 7
EXPENSE CONSTANT DEF 3

     F

FEDERAL LAND      GR 1
FEDERAL POLICY FEE      RATE 12, 17,
      CONDO 7, MPPP 5, DEF 3
FEMA REF 1, RATE 21, 30, CL 1, 2, RL 1,
      DEF 1, 2, 3, 4, 5, 6, 7, 9, 10
FHBM (See FLOOD HAZARD BOUNDARY MAP)
FICO (See FLOOD INSURANCE CLAIMS OFFICE)
FINANCIAL ASSISTANCE/SUBSIDY
  ARRANGEMENT     MPPP 2, 6, DEF 3
FINISHED (HABITABLE) AREA     DEF 3
FINISHED BASEMENT APP 1
FIRM (See FLOOD INSURANCE RATE MAP)
FIRM ZONES MAP 2
FLOOD DEF 3-4
FLOOD DISASTER PROTECTION
  ACT OF 1973     MPPP 1, 3
FLOOD HAZARD BOUNDARY MAP (FHBM) GR 1,
      MAP 1, 2, 4-5, 7, DEF 4
FLOOD INSURANCE CLAIMS OFFICE (FICO)      CL 1,
      DEF 4
FLOOD INSURANCE RATE MAP (FIRM)     GR 1,
      CERT 2, MAP 1, 3, 4-5, 6, DEF 4
FLOOD MAP "GRANDFATHERING"    RATE 21-23,
      PRP 1, DEF 4
FLOOD MAPS GR 1, MAP 1-7
      Changing or Correcting a Flood Map MAP 3
      Countywide Map    MAP 1, DEF 3
      FEMA Map Assistance Center    MAP 3
      FEMA Map Service Center       REF 4, MAP 4, 5
      "FIRMettes" MAP 4
      Letter of Map Amendment (LOMA)      MAP 3, DEF 5
      Letter of Map Revision (LOMR)       MAP 3 DEF 5
      Locating a Specific Property MAP 2-3
      Map "Grandfather" Rules       RATE 21-23, PRP 1, DEF 4
      Map Panel Number MAP 1
      Map Revision      PRP 2, 3, END 2, MAP 3, 4, DEF 6
      Map Zones (Flood Zones)       MAP 2
      Ordering Information and Prices     MAP 4, 5
      Physical Map Revision         MAP 3
FLOOD VENTS (See PROPER OPENINGS)
FLOOD RESPONSE OFFICE (FRO) DEF 4
FLOODPLAIN DEF 4
FLOODPLAIN MANAGEMENT DEF 4
FLOODPROOFING     APP 6, RATE 30-31, CERT 3-8, DEF 4
FLOODPROOFING CERTIFICATE FOR
  NON-RESIDENTIAL STRUCTURES CERT 7-8
FLOODPROOFING CERTIFICATE,
  RESIDENTIAL BASEMENT CERT 5-6
FORCED PLACEMENT (MANDATORY PURCHASE)
      GR 2, MPPP 2, CN 2, DEF 5
FREEBOARD DEF 4

G

GARAGES    GR 2, LFG 1
GENERAL CHANGE ENDORSEMENT
  (See ENDORSEMENT)
GENERAL PROPERTY FORM (See also STANDARD
  FLOOD INSURANCE POLICY)    GR 1, POL 1, 22-40
GENERAL RULES    GR 1-11
GRADE ELEVATION DEF 4
"GRANDFATHERING" (See FLOOD MAP
  "GRANDFATHERING")
GROUP FLOOD INSURANCE GR 2, DEF 4

     H

HABITABLE AREA (See FINISHED AREA)
HISTORIC BUILDING RATE 15, DEF 4-5
HIGH-RISE BUILDING      CONDO 6, DEF 4
HOMELAND SECURITY, U.S. DEPARTMENT OF    REF 1, DEF 3

I

ICC (See INCREASED COST OF COMPLIANCE)
INCIDENTAL OCCUPANCY   GR 5
INCREASED COST OF COMPLIANCE (ICC) COVERAGE
      GR 9-10, RATE 14, 17, CONDO 21, MPPP 1, CL 2, DEF 5
INELIGIBLE COMMUNITY (See NON-PARTICIPATING
  COMMUNITY)
INELIGIBLE PROPERTY    GR 6-7
INFLATION FACTOR GR 9, REN 1
INSECT SCREENING (BELOW LOWEST ELEVATED
FLOOR)      RATE 7, 20, CONDO 19

     L

LAPSE IN COVERAGE REN 1-2
LATTICE (BELOW LOWEST ELEVATED FLOOR)
      RATE 7, 20, 46, CONDO 19
LETTER OF DETERMINATION REVIEW (LODR)
      CN 5, DEF 5
LETTER OF MAP AMENDMENT
  (LOMA)    PRP 2, END 2, CN 1, 5-6, MAP 3, DEF 5
LETTER OF MAP REVISION
  (LOMR)    PRP 2, END 2, CN 1, 5-6, MAP 3, DEF 5
LOSS HISTORY      PRP 1, RL 1
LOSS IN PROGRESS DEF 5
LOWEST ADJACENT GRADE DEF 5
LOWEST FLOOR      APP 6, RATE 17-21, LFG 1-59, DEF 5
      Building Diagrams 1-8 LFG 4-7, CERT 18-19
      Building Drawings       LFG 8-59
      Lowest Floor Determination    LFG 1-7
      Lowest Floor Elevation APP 6, RATE 17-21, DEF 5
LOWEST FLOOR GUIDE     LFG 1-59
LOW-RISE BUILDING      CONDO 6, DEF 5

     M

MACHINERY AND EQUIPMENT       RATE 19-20,
      LFG 1, 2, CERT 2
MANDATORY PURCHASE (FORCED PLACEMENT)
      GR 2, MPPP 2, CN 2, DEF 5
MANUFACTURED (MOBILE) HOMES/
  TRAVEL TRAILERS GR 2-3, APP 1, 4, 7, PR 1,
      DEF 3, 5, 9
      Date of Construction    APP 5, RATE 15
      Doublewide APP 1, DEF 3
MANUFACTURED (MOBILE) HOME PARK OR
  SUBDIVISION     DEF 5- 6
MAP "GRANDFATHERING" (See FLOOD MAP
      "GRANDFATHERING")
MAPS (See FLOOD MAPS)
MEAN SEA LEVEL (See NATIONAL GEODETIC
  VERTICAL DATUM [NGVD])
MISCELLANEOUS RULES     GR 11
      Application Submission GR 11
      Assignment of Policy    GR 11
      Commission, Producer's GR 11
      Delivery of Policy      GR 11
      Policy Term GR 11
MITIGATION RL 1
MODULAR BUILDING DEF 6
MORTGAGE PORTFOLIO PROTECTION
  PROGRAM (MPPP) GR 2, MPPP 1-6, DEF 6
MORTGAGEE APP 2, RATE 17, PRP 4, MPPP 1-6
MUDFLOW     DEF 6
MULTI-FAMILY RESIDENCE (DWELLING) (See
  2-4 FAMILY RESIDENCE [DWELLING])

     N

NATIONAL FLOOD INSURANCE ACT OF 1968 (See ACT)
NATIONAL FLOOD INSURANCE PROGRAM (NFIP)
      REF 1, DEF 6
NATIONAL GEODETIC VERTICAL DATUM (NGVD) DEF 6
NATURAL GRADE     DEF 6
NEW CONSTRUCTION DEF 6
NFIP BUREAU AND STATISTICAL AGENT REF 2, 5-6,
CL 1, 2, RL 1, DEF 6
NFIP CONTACT INFORMATION      REF 3-6
NFIP SERVICING AGENT    REF 2, 3, RL 1, DEF 6
NFIP SPECIAL DIRECT FACILITY (SDF) REF 2,
RL 1, DEF 6
NON-PARTICIPATING COMMUNITY GR 1
NON-PAYMENT CN 2-3
NON-RESIDENTIAL GR 5, 7, CONDO 2, PRP 3, DEF 6
NOTICE OF LOSS   CL 1
NULLIFICATION (See CANCELLATION/NULLIFICATION)

     O

OCCUPANCY CLASSIFICATION      GR 4-5, APP 3
OTHER INSURANCE MPPP 6, CN 2
OTHER RESIDENTIAL GR 5, DEF 6
OTHERWISE PROTECTED AREAS     CBRS 1-2
OUT-AS-SHOWN DETERMINATION    CN 3, MAP 3, DEF 6-7
OVER WATER GR 3, 6

     P

PAPERWORK BURDEN DISCLOSURE
  NOTICE    REF 7, APP 11
PARTICIPATING COMMUNITY       GR 1, DEF 7
PHYSICAL MAP REVISION (PMR) MAP 3
POLICIES AVAILABLE      GR 1-2
POLICY      DEF 7
POLICY RENEWALS GR 9, PRP 2, MPPP 5, REN 1-8
      Credit Card Payment Form      REN 1, 8
      Endorsements During Renewal Cycle REN 2
      Final Notice      REN 2, 3, 6-7
      Insufficient Renewal Information REN 2
      Renewal Effective Date Determination      REN 2
      Renewal Notice    REN 1, 2, 3, 4-5
      Repetitive Loss Target Group Policies     REN 2, RL 1-5
      Waiting Period    REN 1, 2
POLICY TERM GR 11, APP 1-2, PRP 4, MPPP 3
POLLUTANTS DEF 7
PONDING HAZARD    DEF 7
POST-FIRM BUILDING (CONSTRUCTION) RATE 16,
DEF 7
PRE-FIRM BUILDING (CONSTRUCTION) RATE 15-16,
      DEF 7
PREFERRED RISK POLICY (PRP) GR 2,
      PRP 1-7, DEF 7
      Completing PRP Application Form     PRP 4-5
      Conversion of Standard Rated Policy to PRP Due to
        Misrating or Map Revision PRP 2, 4
      Coverage Limits PRP 2
      Coverage/Premium Tables       PRP 3
      Deductibles PRP 2
      Discounts/Fees/ICC Premium    PRP 2
      Documentation     PRP 2
      Eligibility Requirements      PRP 1, 3
      Endorsements      PRP 2
      General Description     PRP 1
      PRP Form    PRP 6-7
      Renewal     PRP 2
      Replacement Cost Coverage     PRP 2
PREMIUM     RATE 16-17
      Credit Card Payment     APP 6, 7, REN 1, 8
      Credit Card Payment Form      REN 1, 8
      Premium Calculation     RATE 16-17
      Premium Discounts CRS 1
      Premium Payment APP 6, 7, RATE 16-17,
CONDO 9, PRP 5, MPPP 4, REN 1-2
      Prepaid Amount (Total) DEF 7
      Prepaid Premium (Total)       DEF 7
      Presentment of Payment (Premium) DEF 7
      Refunds     END 1-2, 3-4, CN 1-6
PREPAID AMOUNT (TOTAL)        DEF 7
PREPAID PREMIUM (TOTAL)       DEF 7
PRESENTMENT OF PAYMENT (PREMIUM) DEF 7
PRINCIPAL RESIDENCE     DEF 7
PRINCIPALLY ABOVE GROUND BUILDING DEF 7
PROBATION GR 1, DEF 7
PROBATION SURCHARGE (PREMIUM)       GR 1, RATE 12,
DEF 7
PROGRAM COORDINATOR, WYO      REF 2
PROOF OF INSURANCE      GR 7
PROOF OF LOSS     CL 1
PROPER OPENINGS (FLOOD VENTS)
      LFG 1, 2, 3, 5, 7, DEF 7
PROPERTY LOCATION APP 2-3, PRP 4-5, END 3
PROPERTY REMOVED TO SAFETY EXPENSE DEF 7
PROVISIONAL RATING      GR 10, PR 1-5, DEF 7
      Completing the Provisional Rating Questionnaire:
        General Directions    PR 2
      Completing the Provisional Rating Questionnaire:
        Guidance for Determining Building Elevated on Fill   PR 2
      Eligibility Requirements      PR 1
      General Description     PR 1
      Notification Requirements     PR 1
      Provisional Rating Example    PR 4
      Provisional Rating Questionnaire PR 3
      Reformation: Endorsement Procedure PR 1
      Reformation: Endorsement Alternative     PR 1
      Reformation: Limitations      PR 1
      Sample Notice to Accompany
        Provisionally Rated Policies      PR 5

R

RATE TABLES RATE 1-14, 32, CONDO 10-22,
      PRP 3, MPPP 1, PR 3, CRS 1
RATING      GR 10, RATE 1-61, CONDO 1-31,
CERT 3, END 1-2
      Alternative Rates RATE 21, END 2
      Amount of Insurance Available      RATE 1
      AR, AR Dual Zones RATE 19
      Buildings in More Than One Flood Zone    GR 10,
RATE 17
      Condominiums      CONDO 1-31
      Contents Location RATE 25-28
      Crawl Space RATE 24
      Deductibles RATE 12, 13, CONDO 7
      Effect of Map Revisions on Rates RATE 21-23
      Elevation Difference    RATE 17-19
      FIRMs with Wave Heights       RATE 29-30
      Flood Map "Grandfathering"    RATE 21-23, PRP 1, DEF 4
      Floodproofed Buildings RATE 30-31
      Key Points for Rating RATE 17
      Optional Elevation Rating     RATE 19
      Premium Calculation     RATE 16-17
      Provisional Rates GR 10, PR 1-5, DEF 7
      Rate Reduction    END 1
      Rate Tables RATE 1-14, 32, CONDO 10-22, PRP 3,
MPPP 1, PR 3, CRS 1
      Rating Error      END 1-2
      Rating Examples RATE 17-19, 22-23, 29, 47-61,
CONDO 23-31, END 5-12, PR 4
      Rating Steps      RATE 15-16
      Re-Rating RATE 23
      Submit-for-Rate GR 10, RATE 23-24, DEF 9
      Tentative Rates GR 10, RATE 21, CONDO 7, DEF 9
      V-Zone Optional Rating RATE 23
      V-Zone Risk Factor Rating Form      RATE 31-46
RCBAP (See RESIDENTIAL CONDOMINIUM BUILDING
  ASSOCIATION POLICY)
RECREATIONAL VEHICLE    DEF 1
REFORMATION GR 10, MPPP 5, PR 1
REFUNDS     END 1-2, 3-4, CN 1-6
REGIONAL OFFICES, NFIP REF 5-6
REGULAR PROGRAM GR 1, RATE 1, DEF 8
RENEWALS (See POLICY RENEWALS)
REPETITIVE LOSS GR 4, 10, REN 2, RL 1-5, DEF 8
REPETITIVE LOSS TARGET GROUP RL 1, DEF 8
REPLACEMENT COST APP 4, RATE 20-21, 30,
      CONDO 7, 8, PRP 2, 5, DEF 8
RESIDENTIAL GR 4-5, CONDO 1-2, PRP 3
RESIDENTIAL BASEMENT FLOODPROOFING
  CERTIFICATE     CERT 5-6
RESIDENTIAL CONDOMINIUM BUILDING CONDO 1-2,
DEF 8
RESIDENTIAL CONDOMINIUM BUILDING ASSOCIATION
  POLICY (RCBAP) (See also STANDARD FLOOD
  INSURANCE POLICY)     GR 1, 2, APP 4, CONDO 1-31,
POL 1, 42-61
      Application Form CONDO 8-9
      Assessment Coverage     CONDO 7
      Building Type     CONDO 6, 8
      Cancellation or Endorsement of Existing
        Unit Owners' Dwelling Policies CONDO 8
      Coinsurance CONDO 7
      Commission, Producer's CONDO 7
      Coverage, Building      CONDO 8
      Coverage, Contents      CONDO 9
      Coverage Limits CONDO 6-7, 8-9
      Deductibles CONDO 7, 22
      Determining Rates and Fees    CONDO 9
      Eligibility Requirements      CONDO 6
      Federal Policy Fee      CONDO 7
      Property Covered CONDO 6
      Rate Tables CONDO 10-22
      Rating Examples CONDO 23-31
      Replacement Cost CONDO 7, 8
      Tentative Rates and Scheduled Buildings CONDO 7
ROWHOUSES/TOWNHOUSES    CONDO 6, PRP 2

     S

SCHEDULED BUILDING POLICY     GR 2, APP 1,
CONDO 7, DEF 8
SCREENING, INSECT (BELOW LOWEST ELEVATED
      FLOOR)      RATE 7, 20, CONDO 19
SECTION 1316      GR 6, DEF 8
SEPARATE BUILDING (See SINGLE BUILDING)
SFIP (See STANDARD FLOOD INSURANCE POLICY)
SHEAR WALLS GR 4, DEF 8
SHEET FLOW HAZARD DEF 8
SILOS GR 3, 5
SINGLE ADJUSTER PROGRAM       CL 1-2, DEF 8
SINGLE BUILDING GR 4, DEF 8
SINGLE-FAMILY RESIDENCE (DWELLING)       GR 4-5,
      DEF 8
SLATS OR SHUTTERS (BELOW LOWEST ELEVATED
      FLOOR)      RATE 7, 20, CONDO 19
SOLID PERIMETER FOUNDATION WALLS GR 4,
RATE 20, DEF 8
SPECIAL CERTIFICATIONS CERT 1-19
SPECIAL DIRECT FACILITY (See NFIP SPECIAL
  DIRECT FACILITY)
SPECIAL FLOOD HAZARD AREA (SFHA) MAP 2, DEF 8
SPECIAL RATING SITUATIONS     GR 10, RATE 21-24
      Alternative Rates RATE 21
      Buildings in More Than One
        Flood Zone      GR 10, RATE 17
      Crawl Space RATE 24
      Map "Grandfather" Rules: Effect of Map Revisions
        on Rates RATE 21-23
      Policies Requiring Re-Rating RATE 23
      Post-'81 V Zone Optional Rating    RATE 23
      Provisional Rates GR 10, DEF 7
      Submit-for-Rate GR 10, RATE 23-24, DEF 9
      Tentative Rates GR 10, RATE 21, CONDO 7, DEF 9
STANDARD FLOOD INSURANCE POLICY (SFIP) GR 1-2,
POL 1-61, DEF 8-9
      Agreement POL 3, 23, 43
      Claim Guidelines in Case of a Flood       POL 21, 40, 61
      Coinsurance POL 52
      Deductibles POL 12, 32, 51-52
      Definitions POL 3-5, 23-25, 43-45
      Dwelling Form     POL 2-21, DEF 8
      Exclusions POL 11-12, 31-32, 50-51
      General Conditions      POL 12-20, 32-38, 53-59
      General Property Form POL 22-40, DEF 8
      Liberalization Clause POL 20, 39, 60
      Property Covered POL 5-10, 25-30, 45-50
      Property Not Covered    POL 10-11, 30-31, 50
      Residential Condominium Building Association
        Policy    POL 42-61, DEF 8-9
      Summary of Significant Changes, December 2000
            POL 2, 22, 42
      What Law Governs POL 20, 39, 60
START OF CONSTRUCTION DEF 9
STOCK DEF 9
SUBMIT-FOR-RATE GR 10, RATE 23-24, DEF 9
SUBSTANTIAL DAMAGE      GR 9-10, RATE 16, DEF 9
SUBSTANTIAL IMPROVEMENT       APP 5,
      RATE 15-16, DEF 9
SUSPENSION GR 1, DEF 9

     T

TECHNICAL ASSISTANCE    REF 2
TELEPHONE NUMBERS REF 3-6
TENTATIVE RATES GR 10, RATE 21, CONDO 7, DEF 9
TIMESHARES GR 5
TOWNHOUSES/ROWHOUSES    CONDO 6, PRP 2
TRANSFER OF TITLE GR 11
TRAVEL TRAILERS (See MANUFACTURED [MOBILE]
  HOMES/TRAVEL TRAILERS)
2-4 FAMILY RESIDENCE (DWELLING)    GR 5, DEF 9

U

UNDERGROUND BUILDING  DEF 9
UNFINISHED AREA DEF 9
UNFINISHED BASEMENT   APP 1
UNIT DEF 9

     V

VALUED POLICY    DEF 9
VARIANCE   DEF 9
VEHICLES AND EQUIPMENT GR 5
V-ZONE OPTIONAL RATING RATE 23
V-ZONE RISK FACTOR RATING FORM     RATE 31-46
      W

WAITING PERIOD    GR 7-9, MPPP 4, REN 1, 2,
PR 1, DEF 10
WALLED AND ROOFED GR 2, DEF 10
WALLS GR 4, RATE 20, LFG 2, 3, DEF 8
      Breakaway Walls GR 4, RATE 20, LFG 2, 3, DEF 1
      Common Interior Walls GR 4
      Shear Walls GR 4, DEF 8
      Solid Perimeter Foundation Walls GR 4, RATE 20,
      LFG 7, DEF 8
WAVE HEIGHT APP 6, RATE 29-30, DEF 10
      Calculating Wave Height Adjustment RATE 29, DEF 10
WHOLE DOLLAR PREMIUM   RATE 17
WIND LOSSES CL 1-2
WRITE YOUR OWN (WYO) PROGRAM REF 1-2, DEF 10

     Z

ZONE (See also Map Zones under FLOOD MAPS)    MAP 2,
DEF 10




1When there is a mixture of residential and commercial usage within a
single building, please refer to the GR Section of the Flood Insurance
Manual.
2In determining the contents indicator for "other than household
contents," please refer to the RATE Section of the Flood Insurance
Manual.
3All building rates are based on the lowest floor of the building.
4RCBAP must be used to insure residential condominium buildings owned by
the association that are in a Regular Program community and in which at
least 75% of the total floor area within the building is
residential. Use General Property Form if ineligible under RCBAP.
5Replacement Cost if the RC eligibility requirements are met (building
only).
1When there is a mixture of residential and commercial usage within a
single building, please refer to the GR Section of the Flood Insurance
Manual.
2In determining the contents indicator for "other than household
contents," please refer to the RATE Section of the Flood Insurance
Manual.
3All building rates are based on the lowest floor of the building.
4RCBAP must be used to insure residential condominium buildings owned by
the association that are in a Regular Program community and in which at
least 75% of the total floor area within the building is
residential. Use General Property Form if ineligible under RCBAP.
5Replacement Cost if the RC eligibility requirements are met (building
only).
6Enclosure, even if it is the lowest floor for rating, cannot be counted
as a floor for the purpose of classifying the building as a high rise.
      U.S. Department of Homeland Security
      500 C Street SW
      Washington DC 20472
www.fema.gov

TABLE OF CONTENTS


SECTION                      PAGE


      3    May 1, 2005
TABLE OF CONTENTS (Continued)


SECTION                      PAGE


     v      May 1, 2005

     vii    May 1, 2005

     ix     May 1, 2005

      xi   May 1, 2005
TABLE OF CONTENTS (Continued)


SECTION                      PAGE


     xiii   May 1, 2005

     xv     May 1, 2005

     xvii   May 1, 2005

     xix    May 1, 2005

     xxi    May 1, 2005

      xxii May 1, 2005
LIST OF TABLES


SECTION/TABLE                PAGE


      xiii May 1, 2005
LIST OF TABLES (Continued)


SECTION/TABLE                PAGE
      xiii May 1, 2005
LIST OF ILLUSTRATIONS


SECTION/ILLUSTRATION             PAGE


      xiv  May 1, 2005
LIST OF ILLUSTRATIONS (Continued)


SECTION/ILLUSTRATION             PAGE


      xv    May 1, 2005
      REF xiv     May 1, 2005
      REF 15      May 1, 2004
      REF 16      May 1, 2005
      REF 2 October 1, 2004
      REF 18      May 1, 2005
      REF 20      May 1, 2005
      REF 21      May 1, 2005
ICC Coverage effective June 1, 1997      REF 22      May 1, 1998
      REF 15      May 1, 2005

       GR 1   May 1, 2005

ICC Coverage effective June 1, 1997      GR 17 October 1, 1997

      GR 16 May 1, 2005
ICC Coverage effective June 1, 1997       GR 19 October 1, 1997
      GR 18 May 1, 2005
                APP 7 May 1, 2005
                APP 10 May 1, 2005
                APP 11 May 1, 2005
      RATE 17                 May 1, 2005
ICC Coverage effective June 1, 1997       RATE 2      May 1,
1998
            RATE 19     May 1, 2005
            RATE 21     May 1,
2005

              RATE 23       May 1,
2005
              RATE 24       May 1,
2005

       RATE 26     May 1, 2005

       RATE   28         May 1, 2005
       RATE   30         May 1, 2005
       RATE   32   May 1, 2005
       RATE   34   May 1, 2005
     RATE 35           May 1, 2005
     RATE 36     December 31,
2000
ICC Coverage effective June 1, 1997      RATE 8    May 1,
1998
      RATE 37          May 1, 2005
ICC Coverage effective June 1, 1997      RATE 37   May 1,
1998
ICC Coverage effective June 1, 1997      RATE 38   May 1,
1998
      RATE 40                May 1, 2005
      RATE 42    May 1, 2005
      RATE 44                May 1,
2005
      RATE 46                May 1, 2005
      RATE 52          May 1, 2005
      RATE 54          May 1, 2005
      RATE 56          May 1,
2005
      RATE 58          May 1,
2005
      RATE 60          May 1,
2005
      RATE 62          May 1,
2005




     RATE 27     May 1, 2005

ICC Coverage effective June 1, 1997     RATE 36    October 1, 1997
      RATE 26          May 1, 2005
      RATE 29          May 1, 2005
      RATE 31          May 1,
2005
      RATE 33    May 1,
2005
      RATE 34          May 1, 2005
      RATE 49    May 1, 2005
      RATE 47    May 1, 2005
      RATE 48    May 1, 2005
      RATE 49    May 1, 2005
      RATE 50    May 1, 2005
      RATE 51    May 1, 2005
      RATE 52    May 1, 2005
      RATE 53    May 1, 2005
      RATE 54    May 1, 2005
      RATE 55    May 1, 2005
      RATE 56    May 1, 2005
      RATE 57    May 1, 2005

     RATE 58     May 1, 2005
     RATE 59     May 1, 2005

     RATE 60     May 1, 2005

     RATE 61     May 1, 2005
     CONDO 15    May 1, 2005
     CONDO 16    May 1, 2005

     CONDO 6     May 1, 2005

     CONDO 6     May 1, 2005
     CONDO 7     May 1, 2005

     CONDO 7     May 1, 2005
     CONDO 8     May 1, 2005
     CONDO 9     May 1, 2005

     CONDO 33    May 1, 2004
     CONDO 10    May 1, 2005

     CONDO 11    May 1, 2005

     CONDO 13    May 1, 2005

     CONDO 14    May 1, 2005

     CONDO 15    May 1, 2005

     CONDO 15    May 1, 2005

     CONDO 16    May 1, 2005

     CONDO 18    May 1, 2005

     CONDO 20    May 1, 2005

     CONDO 20    May 1, 2005

     CONDO 21    May 1, 2005

     CONDO 21    May 1, 2005

ICC Coverage effective June 1, 1997   CONDO 18   May 1, 1998

     CONDO 23    May 1, 2005

     CONDO 24    May 1, 2005

     CONDO 25    May 1, 2005

     CONDO 29    May 1, 2005

     CONDO 31    May 1, 2005
CONDO 29     May 1, 2005

CONDO 34      May 1, 2005
LFG 15        May 1, 2005
LFG 16        May 1, 2005
LFG 3 May   1, 2005
LFG 4 May   1, 2005
LFG 5 May   1, 2005
LFG 6 May   1, 2005
LFG 7 May   1, 2005
LFG 9 May   1, 2005
CERT lxv      May 1, 2005
CERT 69       May 1, 2005
CERT 71       May 1, 2005
CERT 72       May 1, 2005
CERT 6        October 1, 2004

CERT   6     May   1,   2005
CERT   7     May   1,   2005
CERT   8     May   1,   2005
CERT   9     May   1,   2005
CERT   10    May   1,   2005
CERT   11    May   1,   2005
CERT   12    May   1,   2005
CERT   13    May   1,   2005
CERT   14    May   1,   2005
CERT   15    May   1,   2005
CERT   16    May   1,   2005
CERT   17    May   1,   2005
CERT   18    May   1,   2005

PRP 15       May 1, 2005

PRP 16       October 1, 2004

PRP 18       May 1, 2005

PRP 20       May 1, 2005

PRP 23       May 1, 2005


PRP 24      May 1,      2005
MPPP 23     May 1,      2005
MPPP 1      May 1,      2005
MPPP 22     May 1,      2005
END xv      May 1,      2005
END 20      May 1,      2005
END 21      May 1,      2005
END 4 May 1, 2005
END 7 May 1, 2005

END 8 May 1, 2005
ICC Coverage effective June 1, 1997                    END 9   May 1,
1999
      END 9 May 1, 2005

END 11     December 31, 2000

     END 10      May 1, 2005
     END 11      May 1, 2005
     END 12      May 1, 2005

     END 13      May 1, 2005
     REN xiv     May 1, 2005
     REN 16      May 1, 2005

ICC Coverage effective June 1, 1997   April 30, 1996

     REN 17      May   1,   2005
      REN 19     May   1,   2005
     REN 20      May   1,   2005
      REN 22     May   1,   2005
     REN 23      May   1,   2005
     CN 22       May   1,   2005

     CLAIMS



     CL 17 May 1, 2005

     POL 16      May 1, 2005
18


      POL 4 May 1, 2005
Page 1 of 19

      POL 3 May 1, 2005
Page 2 of 19

      POL 6 May 1, 2005
Page 3 of 19

      POL 7 May 1, 2005
Page 8 of 19

POL 8
Page 4 of 19

      POL 10     May 1, 2005
Page 5 of 19

     POL 12      May 1, 2005

Page 6 of 19
       POL 14   May 1, 2005

Page 7 of 19

       POL 16   May 1, 2005

Page 8 of 19

       POL 17   May 1, 2005
9

Page   of 19

POL 18

Page 9 of 19

       POL 19   May 1, 2005

Page 20 of 19

POL 20

Page 10 of 19

       POL 22   May 1, 2005

Page 11 of 19

       POL 24   May 1, 2005

Page 12 of 19

       POL 26   May 1, 2005

Page 13 of 19

       POL 28   May 1, 2005

Page 14 of 19

       POL 30   May 1, 2005

Page 15 of 19

       POL 32   May 1, 2005

Page 16 of 19

       POL 34   May 1, 2005

Page 17 of 19
      POL 36    May 1, 2005
Page 18 of 19

      POL 37    May 1, 2005
38
Page 19 of 19

     POL 40     May 1, 2005


18


     POL 41     May 1, 2005


24

Page 1 of 18

     POL 23     May 1, 2005

Page 2 of 19

POL 24

Page 2 of 18

     POL 26     May 1, 2005

Page 3 of 18

     POL 28     May 1, 2005

Page 4 of 18

     POL 30     May 1, 2005

Page 5 of 18

     POL 32     May 1, 2005

Page 6 of 18

     POL 34     May 1, 2005

Page 7 of 18

     POL 36     May 1, 2005

Page 8 of 18

     POL 37     May 1, 2005
Page 9 of 19

POL 38

Page 9 of 18

     POL 39     May 1, 2005

Page 10 of 19

POL 40

Page 10 of 18

     POL 42     May 1, 2005

Page 11 of 18

     POL 44     May 1, 2005

Page 12 of 18

     POL 46     May 1, 2005

Page 13 of 18

     POL 48     May 1, 2005

Page 14 of 18

     POL 50     May 1, 2005

Page 15 of 18

     POL 52     May 1, 2005

Page 16 of 18

     POL 54     May 1, 2005

Page 17 of 18

     POL 39     May 1, 2005

Page 17 of 18

POL 55

Page 18 of 18

POL 37

Page 18 of 18
     POL 57     May 1, 2005

18


     POL 4 May 1, 2005

Page 1 of 19

     POL 44     May 1, 2005

Page 2 of 19

     POL 46     May 1, 2005

Page 3 of 19

     POL 47     May 1, 2005

Page 48 of 19

POL 48

Page 4 of 19

     POL 50     May 1, 2005

Page 5 of 19

     POL 52     May 1, 2005

Page 6 of 19

     POL 54     May 1, 2005

Page 7 of 19

     POL 56     May 1, 2005

Page 8 of 19

     POL 58     May 1, 2005

Page 9 of 19

     POL 60     May 1, 2005

Page 10 of 19

POL 50

Page 10 of 19

     POL 62     May 1, 2005
Page 11 of 19

     POL 63      May 1, 2005

Page 12 of 19

     POL 65      May 1, 2005

Page 13 of 19

     POL 67      May 1, 2005

Page 14 of 19

     POL 69      May 1, 2005

Page 15 of 19

     POL 71      May 1, 2005

Page 16 of 19

     POL 73      May 1, 2005

Page 17 of 19

     POL 75      May 1, 2005

Page 18 of 19

     POL 76      May 1, 2005

Page 18 of 19

POL 59
      MAP   17   May   1,   2005
      MAP   19   May   1,   2005
      MAP   22   May   1,   2005
      MAP   24   May   1,   2005




COASTAL BARRIER RESOURCES SYSTEM
LIST OF COMMUNITIES
ICC Coverage effective June 1, 1997    CBRS xiv    October 1, 1997
      CBRS 1     May 1, 2005
ICC Coverage effective June 1, 1997    CBRS 1      October 1, 1997

       CBRS 2    May 1, 2005

       CBRS 2    May 1, 2005
       CRS 24          May 1, 2005
       CRS 25    October 1,
2001

COMMUNITY RATING SYSTEM
ELIGIBLE COMMUNITIES

1For the purpose of determining CRS discounts, all AR and A99 zones are
treated as non-SFHAs.
2Increase in discount for Classes 1-6 effective May 1, 2001. See table
on page CRS 1.
3Status: C = Current, R = Rescinded

      CRS 26     May 1, 2005
1For the purpose of determining CRS discounts, all AR and A99 zones are
treated as non-SFHAs.
2Increase in discount for Classes 1-6 effective May 1, 2001. See table
on page CRS 1.
3Status: C = Current, R = Rescinded

       CRS 28    May 1, 2005

COMMUNITY RATING SYSTEM
ELIGIBLE COMMUNITIES

1For the purpose of determining CRS discounts, all AR and A99 zones are
treated as non-SFHAs.
2Increase in discount for Classes 1-6 effective May 1, 2001. See table
on page CRS 1.
3Status: C = Current, R = Rescinded

      CRS 30     May 1, 2005
1For the purpose of determining CRS discounts, all AR and A99 zones are
treated as non-SFHAs.
2Increase in discount for Classes 1-6 effective May 1, 2001. See table
on page CRS 1.
3Status: C = Current, R = Rescinded

      CRS 32     May 1, 2005
1For the purpose of determining CRS discounts, all AR and A99 zones are
treated as non-SFHAs.
2Increase in discount for Classes 1-6 effective May 1, 2001. See table
on page CRS 1.
3Status: C = Current, R = Rescinded

       CRS 42    May 1, 2005
1For the purpose of determining CRS discounts, all AR and A99 zones are
treated as non-SFHAs.
2Increase in discount for Classes 1-6 effective May 1, 2001. See table
on page CRS 1.
3Status: C = Current, R = Rescinded

      CRS 46     May 1, 2005
1For the purpose of determining CRS discounts, all AR and A99 zones are
treated as non-SFHAs.
2Increase in discount for Classes 1-6 effective May 1, 2001. See table
on page CRS 1.
3Status: C = Current, R = Rescinded

     CRS 54     May 1, 2005
     RL xxv           May 1, 2005
     RL 3       May 1, 2003
     U.S. Department of Homeland Security
     500 C Street SW
     Washington, DC 20472




www.fema.gov

     RL 31 May 1, 2005
     RL 29       May 1, 2005
     U.S. Department of Homeland Security
     500 C Street SW
     Washington, DC 20472




www.fema.gov

     RL 30       May 1, 2005

     RL 32       May   1,   2005
     DEF xiv     May   1,   2005
     DEF 15      May   1,   2004
     DEF 22      May   1,   2005
     IND 20      May   1,   2005

				
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