National flood Insurance Program CommunitY Status Book Federal Emergency Management Agency federal Insurance Administration Wasnington, 􀁄􀁾􀁃􀀮􀀠20412 TEXAS ----------.....􀀭􀀭􀀮􀁾􀀮􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭
􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭Purpose This book provides information about: communities participating in the National flood Insurance Program (42 U.S.C. 40014128) -section I. communities which
􀁡􀁲􀁾􀀠not participating in the National Flood Insurance Program but have had special flood hazards identified by the 􀁾􀁥􀁤􀁥􀁲􀁡􀁬􀀠Insurance Administration· Section II. Its purpose
is to: assist lenders in determining whether or not flood insurance must be required as a condition of Federal or federally related financial assistance. assist property owners and insurance
agents jn determining whether or not flood insurance is available in a particular community, and whether a map showing fLood zones is available. assist Federal agencjes in meeting their
responsibilities under Executive Order 11988, floodplain management, to evaluate whether a proposed action will occur in a flood hazard area. assist State and local agencies by providing
information for floodplain management. assist any other members of the general public who may be interested in the information contained within this book. Section of this book lists
communities PARTICIPATiNG in the National Flood Insurance Program. Flood insurance policies for residential and commercial properties and their contents located in the cOlmlUnities listed
may 􀁾􀁥􀀠purchased from any insurance agent or broker licensed to sell property or casualty insurance and jn good standing in all the states in which the agent is licensed. Agents may
obtain information about coverage, rates, etc., by calling the National Flood Insurance program toll free at 􀀱􀀭􀀸􀀰􀀰􀁾􀀶􀀳􀀸􀀭􀀶􀀶􀀲􀀰􀀬􀀠by calling tne Telecommunication Device for
the Deaf (TDD) toll free at 1-800-447-9487, or from any private sector property insurance company participating in the Write Your OWn (WYO) Program. the community number (or COMMUNITY
PANEL NUMBER) appearing on the F!A flood map for the community. The alphabetic suffix at the end of the number indicates whether the currently effective map is a revision of an earlier
map (e.g*f !lA" normally indicates a first edition, "811 a first revision, 􀁥􀁴􀁣􀁾􀀩􀁾􀀠This nunber and the suffix, if any, IlJJSt be wri tten on all Hood insurance policies. Column
2 􀁾􀀠(COMMUNITY NAME). This indicates the name of the community, followed by the name of the county in which it is located. When the community is a county, only its unincorporated areas
are referred tOj incorporated areas are listed individually as township, city, vilLage, etc. Column 3 -This indicates THE DATE OF THE COMMUNITY'S ENTRY INTO THE REGULAR OR EMERGENCY
PROGRAM of the National Flood Insurance Program. The symbol (R) followi·ng the date indicates Regular Program; if no parenthetical symbol appears after the date, the cOlmlUni ty is participating
in the Emergency Program. Column 4 This indicates THE EFFECTIVE DATE OF THE CURRENTLY EFFECTIVE FLOOO MAP OF THE COMMUNITY. This date also appears on the flood map of the COO'm.lOl ty.
If there is no date in this column, a flood map for the comrunity has not yet been pub! ishe<1, but the community is st;ll participating in the 􀁾􀁡􀁴􀁩􀁯􀁮􀁡􀁬􀀠Flood Insurance 􀁐􀁲􀁯􀁧􀁲􀁡􀁭􀁾􀀠If
a date appears in both columns, then the ovrchase of flood insurance ;s required as a cono·t'on of Federal or federally related financial 􀁡􀁾􀁾􀂷􀁾􀁴􀁡􀁮􀁣􀁥􀀠for construction or acquisition
of 􀁢􀁵􀁩􀁬􀁤􀁩􀁮􀀹􀁾􀀠􀀧􀁾􀁣􀁡􀁴􀁥􀁤􀀠within the special flood halard areas 􀁡􀁾􀀠􀀧􀁾􀁯􀁷􀁮􀀠on the FIA flood maps. (including FHA and v. 􀁾􀁲􀁴􀁧􀁡􀁧􀁥􀀠guarantees, mortgage loans
from federally 􀀧􀁾􀀱􀁾􀁬􀁡􀁴􀁥􀁤􀀠tending institutions, Federal disaster 􀁾􀀬􀁾􀀠􀁾􀀡􀁡􀁮􀁃􀁥􀁦􀀠etc.) Section II ,..Section 11 of this book lists communities 􀁷􀁨􀁴􀀧􀁾􀀠NOT PARTICIPATING
in the National Flood Insurance 􀁾􀁾􀀠"11''1, but Column 1-(COMMUNITY NUMBERS). These six digit numbers are which have an FIA flood map 􀁤􀁥􀁬􀁦􀁮􀁾􀁡􀁴􀁩􀁩􀁮􀁧􀀠the 􀁾􀁣􀁾􀁟􀀠flood
either the same number or the same first six digits of hazard areas in the community. 
Column 1-same as Column 1 described above_ Column 2-same as Column 2 described above. Column 3-HAZARD AREA IDENTIrIED. This is the effective date of the first FIA flood map of that community.
There may be other, nKJre recent maps for the cCIIIIU\i ty. Column 4-DATE ON WHICH SANCTIONS APPlV. Eff.ctive on this date. no d;reet Federal assistance (including FHA or VA mortgage
guar.ntees) can legally be provided for the acquisition or construction of buildings in the special flood hazard .r....hown on the FlA map of this conrrunity. To obtain 􀁾􀂷􀁴􀁯􀀭􀁤􀁡􀁴􀁥􀀠informatio
n on whether the sanction on Federat assistance stitt applies for their community. call the Federal Emergency M.nagement Agency (202) 646-34#. $}'!!'boIs NSFHA -The community. haa no
speci.1 flood h.zard areas and • flood map for the cOlllllJl'li ty has not been publ i.hed. Although it may not be subject to the l00-year flood. floods of a gre.ter magnitude could
occur 􀁴􀁨􀁥􀁾􀁥􀀮􀀮􀀠In addition. certain structures may be damaged bV local drainage prcbl__ The community is All ZONE C for flood insur.nc. rating purposes. l -Minimally Flood Prone.
with Flood Hstard 80undary Map converted to Flood Insurance Rate Map by letter, no 􀁣􀁨􀁡􀁮􀁧􀁾􀀠in flooding shown on mapt no elevation on map. M Minimall y Flood Prone. no elevation
on map. R Entry date into Regular 􀁐􀁾􀁲􀁡􀀮􀀮􀀠s -suspended fr"" the Natl ..... l Flood Insurance progr..,. F • Effective Map is a Flood Insurance Rate Map. Note, however f that the
Hazard Area ldentifiec:P' dateII denotes the date of original identifieation of the special flood hazard area and I. not n......rily the date of the most recent Flood Insurance Rate
Map. w􀁾􀀠 The conmJnity has withdrawn from the National Flood Insurance Program. No flood insurance available. Other sanctions apply. For up·to·date information after suspension date,
call the above nut'ber. * Unincorporated areas only. > -Date of current effective map is after the date of this report. /I -This community has • map with a 10-digit ID number. Each map
wi wi th such 8 nLl!lber wi II be publ 1'shed as one or more Z-folel panels (like road maps). Each map having more than one panel also has an index showing which panels apply to the
various sections of a community. Since the 10-diglt system permits the revision of individual panels rather than the entire map. the 􀁦􀁮􀁤􀁥􀁾􀀠also shows the correct suffix of the
most current panel for a particular location in the corm'Uli ty. Each time 8 panel is revised and published, the map index is also revised and republished with a ne effective date to
reflect the panel revfsion. For community mapa with 10-dlgit ID numbers, the Status Book gives 􀁤􀁂􀁴􀁾􀀠relating to the index only. The index' I'IlJSt be consulted for information on
individual panels. State-Owned Property Flood insurance Is not required for State-owned property fn the following states because these states have submitted to FIA satisfactory self-insurance
plans against. flood loss: Florida Georgia Iowa Kentucky Maine Hew Jersey New York: North Carol ina Oregon Pemsylv.nia South Carolina Tennessee Vermont Publication Schedules This book
is published semiannually and is available in separately bound copies for each state, or, if nationwide information is needed, in a botrd copy for the entire Nation. CQPies are free;
to get on the distribution list or change your .ddr.... number of copl.. ordered. etc•• call (800) 638-6620 (toll free). To report 􀁥􀁲􀁲􀁾􀁲􀁳􀀠fcx..nd. in this book, call (202) 646-3444.
Upd.tes to this book .re published periodically in the Feder.l Register, which is determinative for the purpose of corrections and legal .ffect. Ordering Flood Maps FIA flood maps and/or
indices may be ordered from: Federal Emergency Management Agency Flood Map Distribution Center 6930 (A-F) S.n Tomas Road Saltimore, M.ryland 21227-6227 or call Hational Flood Insurance
Program Telephone: 1-600-333-1363 
FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADMINISTRATION PAGE COMMUNITIES PARTICIPATING IN THE NATIONAL FLOOD INSURANCE PROGRAM AS OF MAY 8, 1992 TEXAS DATE OF DATE OF ENTRY
CURRENT COMMUNITY EMERGENCY OR EFFECTIVE MAP NUMBER COMMUN ITY NAME REGULAR PROG. (DR MAP INDEX) 480271B ABERNATHY, CITY OF HALE COUNTY AUG 24, 1982(R) AUG 24, 1982(M) 485450# ABILENE,
CITY OF JONES COUNTY JUL 23, 1971(R) SEP 5, 1990 TAYLOR COUNTY 480504A AGUA DULCE, CITY OF NUECES COUNTY MAR 26, 1971(R) DEC 12, 1975 480036# ALAMO HEIGHTS, CITY OF BEXAR COUNTY AUG
15, 1978(R) JUL 5, 1984 480335C ALAMO, CITY OF HIDALGO COUNTY JAN 30, 1979(R) SEP 25, 1979 480565# ALBANY, CITY OF SHACKELFORD COUNTY JIJL 17, 1986(R) JUL 17, 1986 480394# ALICE, CITY
OF JIM WELLS COUNTY MAR 1, 1984(R) MAR 1, 1984 480131# ALLEN, CITY OF COLLI N COUNTY JUN 1, 1978(R) SEP 4, 1991 480085# ALPINE, CITY OF BREWSTER COUNTY NOV 16, 1990(R) NOV 16, 1990 480740A
ALTO, TOWN OF CHEROKEE COUNTY AUG 19, 1985(R) AUG 19, 1985(M) 481571# ALTON, CITY OF HIDALGO COUNTY JUL 1, 1981(R) JUN 8, 1982(M) 480397# ALVARADO, CITY OF JOHNSON COUNTY MAY 4, 1982(R)
SEP 27, 1991 485451# ALVIN, CITY OF BRAZORIA COUNTY FEB 18, 1972(R) MAY 4, 1992 480529# AMARILLO, CITY OF POTTER COUNTY . JUL 19, 1982(R) JUL 19, 1982 RANDALL COUNTY 480120# ANAHUAC,
CITY OF CHAMBERS COUNTY JUL 16, 1981(R) JAN 6, 1983 480001# ANDERSON COUNTY· ANDERSON COUNTY JAN 24, 1992 JAN 24, 1978 480064# ANGLETON, CITY OF BRAZORIA COUNTY JUN 10, 1977(R) MAY 4,
1992 480401 ANSON, CITY OF JONES COUNTY MAY 25, 1978(R) (NSFHA) 480804A ANTHONY,TOWN OF EL PASO COUNTY AUG 1, 1987(R) AUG 1, 1987(l) 480353B ANTON, CITY OF HOCKLEY COUNTY AUG 24, 1982(R)
AUG 24, 1982(M) 485452# ARANSAS COUNTY· ARANSAS COUNTY AUG 6, 1971(R) MAY 4, 1992 485453# ARANSAS PASS, CITY OF ARANSAS COUNTY JUN 25, 1971(R) MAY 4, 1992 NUECES COUNTY SAN PATRICIO
COUNTY 480698# ARCHER CITY, CITY OF ARCHER COUNTY OCT 16, 1979(R) OCT 16, 1979(M) 481078# ARCHER COUNTY· ARCHER COUNTY JAN 6, 1988(R) JAN 6, 1988 481619 ARCOLA CITY OF FORT BEND COUNTY
SEP 26, 1988(1988(R) USE THE FORT BEND COUNTY (480228) FIRM. 480775# ARGYLE, CITY OF DENTON COUNTY APR 16, 1990(R) APR 16, 1990 485454# ARLINGTON, CITY OF TARRANT COUNTY DEC 30, 1970(R)
FEB 4, 1988 480790A ASHERTON, CITY OF DIMMIT COUNTY SEP 1, 1987(R) SEP 1, 1987(l) 480014# ATASCOSA COUNTY· ATASCOSA COUNTY JUN 15, 1981(R) JUN 15, 1981 480324# ATHENS, CITY OF HENDERSON
COUNTY MAY 5, 1981(R) SEP 27, 1991 480117# ATLANTA, CITY OF CASS COUNTY MAY 19, 1981(R) MAY 19, 1981 480704# AUSTIN COUNTY· AUSTI N COUNTY JAN 17, 1990(R) JAN 17, 1990 480624# AUSTIN,
CITY OF TRAVIS COUNTY SEP 2, 1981(R) MAY 15, 1986 481086A AUSTWELL, CITY OF REFUGIO COUNTY SEP 4, 1985(R) SEP 4, 1985(M) 480983A AVERY, CITY OF RED RIVER COUNTY SEP 14, 1982(R) SEP 14,
1982(M) (R) INDICATES ENTRY IN REGULAR PROGRAM NSFHA . NO SPECIAL FLOOD HAZARD AREA -ALL ZONE C > • DATE OF CURRENT EFFECTIVE MAP IS AFTER THE DATE OF THIS REPORT * -UNINCORPORATED AREAS
ONLY ALL OTHER CODES DR SYMBOLS ARE EXPLAINED ON PAGE 2 OF THIS BOOK 
I FEOERAL EMERGENCY MANAGEMENT AGENCY FEOERAL INSURANCE AOMINISTRATION PAGE 2 COMMUNITIES PARTICIPATING IN THE NATIONAL FLOOD INSURANCE PROGRAM AS OF MAY 8, 1992 TEXAS DATE OF DATE OF
ENTRY CURRENT COMMUNITY EMERGENCY OR EFFECTIVE MAP NUMBER COMMUN ITY NAME REGULAR PROG. (OR MAP INDEX) 480584# AlL!, CITY OF TARRANT COUNTY OCT 15, 1985(R) OCT 15, 1985 480808 BAILEY,
TOWN OF FANN I N COUNTY NOV 29, 1991 NOV 5, 1976 480065# BAILEYS PRAIRIE, TOWN OF BRAZORIA COUNTY OEC 15, 1983(R) MAY 4, 1992 480722A BAIRD,TOWN OF CALLAHAN COUNTY APR 1, 1987(R) APR
I, 1987(Ll 48016611 BALCH SPRINGS, CITY OF OALLAS COUNTY SEP 3, 1980(R) MAR 2, 1989 481094# BALCONES HEIGHTS, CITY OF BEXAR COUNTY APR 15, 19S0(R) -APR 15, 1980 480549# BALLINGER, CITY
OF RUNNELS COUNTY FEB 16, 1990(R) FEB 􀁾􀀶􀀬􀀠1990 480537# BALMORHEA, CITY OF REEVES COUNTY NUV 1, 1985(R) SEP lb, 1988 480020# BANDERA COUNTY· BANDERA COUNTY NOV 1, 1978(R) FEB 15,
1991 480021# BANDERA, CITY OF BANDERA COUNTY DEC 1, 1977(R) JUL 17, 1989 480718A BANGS i TOWN OF BROWN COUNTY JUN 19, 1985(R l JUN 19, 1985(M) 481087A BARDWELL, CITY OF Ell! S COUNTY
MAR 1, 1991(R) MAR I, 1991(L) 480707# BARTLETT, CITY OF BELL COUNTY MAR 25, 1985(R) . (NSFHA) 481501# BARTONVILLE, TOWN OF DENTON COUNTY SEP I, 1987(R) AuG 3, 1989 481193# BASTROP COUNTY·
BASTROP COUNTY AUG 19, 199I(R) AUG 19, 1991 480022# BASTROP. CITY OF BASTROP COUNTY AUG 19, 1991(R) AUG 19, 1991 485455# BAY CITY, CITY OF MATAGORDA COUNTY APR 23, 197HR) JUN 5, 1985
481207# BAYlOR COUNTY* BAYlOR COUNTY APR 15, 1986(R) APR 15, 1986(M) 481589 BAYOU VISTA, VILLAGE OF GALVESTON COUNTY APR 9, 1971(R) USE THE GALVESTON COUNTY-(485470) FIRM. 481586# BAYSIDE,
CITY OF REFUGIO COUNTY MAR IS, 1985(R) MAR 18, 1985 485456# BAYTOWN, CITY OF CHAMBERS COUNTY JUL 1, 1974(R) MAR 4, 1987 HARRIS COUNTY 480102 BAYVIEW, TOWN OF CAMERON COUNTY SEP I, 1981(R)
(NSFHA) 480121# BEACH CITY, CITY OF CHAMBERS COUNTY JAN 19, 19B3(R) JAN 19, 1983 485457# BEAUMONT, CITY OF JEFFERSON COUNTY OCT 30, 1970(R) MAR 16, 1992 480585# BEOFORD, CITY OF TARRANT
COUNTY JUL JUL 18, 1977(R) JUN 4, 1990 481610 BEE CAVE, VILLAGE OF TRAVIS COUNTY APR 12, 1988(R) USE THE TRAVIS COUNTY (481026) FIRM. 480026# BEE COUNTY" BEE COUNTY APR 1, 1982(R) APR
I, 1982 480027# BEEVILLE, CITY OF BEE COUNTY JAN 20, 1982(R) JAN 20, 1982 480706# SELL COUNTY· BELL COUNTY FEB 15, 1984(R) FEB 15, 1984 480289' BELLAIRE, CITY OF HARRIS COUNTY SEP 30,
1981(R) SEP 28. 1990 480457' BELLMEAD, CITY OF MCLENNAN COUNTY SEP 15, 1978(R) SEP IS, 1978 481095' BELLVILLE, CITY OF AUSTIN COUNTY JAN 17, 1990(R) JAN 17, 1990 480028# BELTON, CITY
OF BelL COUNTY JUL 5, 1982(R) JUL 5, 1982 480792A BENAVIDES, CITY OF DUVAL COUNTY MAR 4, 1986(R) MAR 4, 1986(M) 480586# BENBROCK, CITY OF TARRANT COUNTY JUL 2, 1979(R) NOV 16. 1990 480925#
BEVERLY HILLS, CITY'OF MCLENNAN COUNTY SEP 15, 1978(R) SEP 15. 1978 480878# BEVIL OAKS, CITY OF JEFFERSON COUNTY JAN 6, 1983(R) SEP 4, 1987 48003511 BEXAR COUNTY" BEXAR COUNTY OCT 16,
1984(R) OCT 16, 1991 (R) INDICATES ENTRY IN REOULAR PROGRAM NSFHA • NO SPECIAL FLOOD HAZARD AREA • ALL ZONE C C > -DATE OF CURRENT EFFECTIVE MAP IS AFTER THE DATE OF THIS REPORT • -UNINCORPORATEO
AREAS ONLY ALL OTHER CODES DR SYMBOLS ARE EXPLAINED ON PAGE 2 OF THIS BOCK 
FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADMINISTRATION PAGE 3 COMMUNITIES PARTICIPATING IN THE NATIOMAL FLOOO INSURANCE PROGRAM AS OF MAY 8, 1992 TEXAS DATE OF DATE OF
ENTRY CURRENT COMMUNITY EMERGENCY OR EFFECTIVE MAP NUMBER COMMUNITY NAME REGULAR PROG. (OR MAP INDEX) 480534 BIG LAXE, CITY OF REAGAN COUNTY JUL 21, 1978(R) (NSFHA) 4815961 BIG OAKS
M.U.D. FORT BEND COUNTY AUG 5, 1986(R) AUG 5, 1986 480360# BIG SPRING, CITY OF HOWARD COUNTY SEP 30, 1981(R) SEP 30, 1981 . 480505# BISHOP, CITY OF NUECES COUNTY APR 15, 1981(R) APR
15, 1981 480711# BLANCO COUNTY BLANCO COUNTY FEB 6, 1?91(R) FEB 6, 1991 480050# BLANCO, CITY OF BLANCO COUNTY JUN 5, 1985(R) FEB 6, 1991 480719# BLANKET, TOlIN OF BROWN COUNTY APR 2,
1992(R) APR 2, 1992 480952A BLOOHING GROVE, CITY OF NAVARRO COUNn OCT 24, 1978(R) OCT 24, 1?78(M) 480892A BLOSSOM, TOlIN OF LAHAR COUNTY NOV 1, 1985(R) NOV 1, 1985(H) 480587# BLUE MOUND,
CITY OF TARRANT COUNTY JUL 16, 1980(R) JUL 16, 1980 481628# BLUE RIDGE, TOlIN OF COLLIN COUNTY APR 2, 1991(1991(R) SEP 4, 1991 480350A BLUM,CITY OF HILL COUNTY AUG 1, 1981CR) AUG 1,
1987!l) 480418# BOERNE, CITY OF KENDALL COUNTY SEP 30, 1983{R) SEP 30, 1983 481582# BONHAM WATER AUTHORITY FANNIN COUNTY FEB I, 1988(R) FEB I, '1988{L) 480222# BONHAM, CITY OF FANNIN
COUNTY MAY 5, 198HR) MAY 5, 1981 481300# BONNEY, TOlIN OF BRAZORIA COUNTY JUN 10, 1977(R) MAY 4, 1992 480444# BOOKER, CITY OF LIPSCOMB COUNTY APR 16, 199.0(R) APR 16, 1990 480314B BORGER,
CITY OF HUTCHINSON COUNTY MAR 1, 1991(R) MAR 1, 1991(L) 4800518 BOSQUE COUNTY· BOSQUE COUNTY AUG 1, 1987(R) AUG 1, 1987(L) 481194# BOIIIE COUNTY· BOWl E COUNTY SEP 27, 1991(R) SEP 27,
1991 480481# BOIIIE, CITY OF MONTAGUE COUNTY AUG 2, 1977(R) JAN 17, 1991 480616# BOYD, CrTY OF IIISE COUNTY SEP I, 1987(R) MAR 19, 1990 480422 BRACKETTVILLE, CITY OF KINNEY COUNTY AUG
3, 1984(R) (NSFHA) 480455# BRADY, CITY OF MCCULLOCH COUNTY OCT 15, 1981(R) OCT 15, 1981 .485458# BRAZORIA COUNTY· BRAZORIA COUNTY MAY 7, 1971(R) MAY 4, 1992 4800661 BRAZORIA, CITY OF
BRAZORIA COUNTY DEC 15, 1983(R) MAY 4, 1992 481195# BRAZOS COUNTY· BRAZOS COUNTY JAN 13, 1986 OCT 18, 1977 480578# BRECKENRIDGE, CITY OF STEPHENS COUNTY SEP 30, 198HR) JAN 2, 1991 480648#
BRENHAM, CITY OF WASHINGTON COUNTY AUG 17, 1981(R) AUG 17, 1981 480511# BRIDGE CITY, CITY OF ORANGE COUNTY SEP 2, 1982(R) SEP 2, 1982 480677# BRIDGEPORT,CITY OF WiSE COUNTY AUG 1, 1987(R)
MAR 19, 1990 480128# BRONTE,CITY OF COKE COUNTY MAR 4, 1986{R) MAR 4, 1986(M) 4811961 BROOKS COUNTYBROOKS COUNTY JUL I, 1987(R) JUL 1, 1987(L) 481097# BROOKSHIRE, TOlIN OF WALLER COUNTY
SEP 2, 1981(R) SEP 2, 1981 480067# BROOKSIDE VILLAGE, CITY OF BRAZORIA COUNTY NOV 1, 1984(R) HAY 4, 1992 480717# BROWN COUNTY· BROlIN COUNTY MAR 1, 1991(R) MAR I, 1991(L) 481542# BROIINDELL,
TOlIN OF JASPER COUNTY JUL 3, 1985(R) ,JUL 3, 1985(M) 480620# BROIINFIELD, CITY OF TERRY COUNTY SEP 30, 1981(R) SEP 3D, 1981 48010311 BROIINSVILLE, CITY OF CAMERON COUNTY DEC 1, 1978(R)
DEC 1, 1978 48008711 BROIINWOOO, CITY OF BROlIN COUNTY APR 15, 1981(R) JUL 6, 1982 480082# BRYAN, CITY OF BRAZOS COUNTY MAY 19, 1981(R) MAY 19, 1981 (R) 􀁾􀁏􀁉􀁃􀁁􀁔􀁅􀁓􀀠ENTRY IN REGULAR
PROGRAM NSFHA -NO SPECIAL FLOOD HAZARD AREA· ALL ZONE C > • DATE OF CURRENT EFFECTIVE MAP IS AFTER THE DATE OF THIS REPORT •• UNINCORPORATED AREAS ONLY ALL OTHER COOES OR SYMBOLS ARE
EXPLAINED ON PAGE 2 OF THiS BOOK 
4 FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADMINISTRATION PAGE 􀁃􀁾􀁎􀁉􀁔􀁉􀁅􀁓􀀠PARTICIPATING IN THE NATIONAL FLOOO INSURANce PROGRAM AS OF MAY 8, 1992 TEXAS DATE OF DATE
OF ENTRY CURRENT 􀁃􀁾􀁎􀁉􀁔􀁙􀀠EMERGENCY OR EFFECTIVE MAP NUMBER 􀁃􀁾􀁎􀁉􀁔􀁙􀀠NAME REGULAR PROG. (OR MAP INDEX) 480877A BRYSON, CITY Of JACK COUNTY NOV I, 1989(R) NOV I, 1989(L) 481138A
BUfFALO GAP, TOWSHIP Of TAYLOR COUNTY MAR 16, 1988(Rl MAR 16, 1988 480568# BULLARD, CITY OF SMITH COUNTY APR 24, 1979(R) APR 24, 1979(M) 48029011 BUNKER HILL VILLAGE, CITY 0 HARRIS COUNTY
APR 17, 1979(R) (NSFHA) 48065811 BURKBURNETT, CITY Of WICHITA COUNTY DEC IS, 1982(Rl DEC 15, 1982 48116911 BURLESON COUNTY· BURLESON COUNTY JAN 18, 1989(R) JAN 18, 1989 48545911 BURLESON,
CITY Of JOHNSON COUNTY NOV 2, 1973(R) SEP 27, 1991 TARRANT COUNTY 48120911 BURNET COUNTY· BURNET COUNTY NOV 16, 1990(R) NOV 16, 1990 48009211 BURNET, CITY Of BURNET COUNTY SEP 18, 1987(R)
NOV 16, 1990 48009411 CALDWELL COUNTY· CALDWELL COUNTY MAR 15, 1982(R) MAR 18, 1986 48008911 CALDWELL, CITY Of BURLESON COUNTY SEP 30, 1988(R) SEP 3D, 1988 48009711 CALHOUN COUNTY" CALHOUN
COUNTY MAR 19, 197HR) APR 2, 1992 48098911 CALVERT, CITY Of ROBERTSON COUNTY JUL 6, 1982(R) JUL 6, 1982(M) 48010111 CAMERON COUNTY. CAMERON COUNTY JUN 15, 1979(R) MAR 18, 1991 480478C
CAMERON, CITY OF MILAM COUNTY AUG 19, 1985(R) AUG 19, 1985(M) 480979A CAMP WOOD, CITY OF REAL COUNTY FEB IS, 1985(R) FEB 15, 1985(M) 4803238 CANADIAN, CITY OF HEMPHILL COUNTY JUN I,
1988(R) JUN I, 1988(L) 48063211 CANTON, CITY OF VAN ZANDT COUNTY SEP 29, 1986(R) SEP 29, 1986 48053311 CANYON, CITY OF RANDALL COUNTY SEP 20, 1982(R) MAY IS, 1991 48150511 CARMINE, CITY
OF FAYETTE COUNn JUL la, 1985(R) JUL 18, 1985(M) 4801998 CARRIZO SPRINGS, CITY OF OIMMIT COUNTY JUL I, 19B7(R) JUL I, 1987(L) 48016711 CARROLLTON, CITY OF DALLAS COUNTY JUL 16, 1980(R)
JAN 2, 1991 DENTON COUNTY 48051911 CARTHAGE, CITY Of PANOLA COUNTY JAN 23, 1979(R) JAN 23. 1979(M) 48003711 CASTLE HILLS, CITY OF BEXAR COUNTY SEP 30, 1980(R) SEP 28, 1984 48093211 CASTROVILLE,
CITY Of MEDINA COUNTY MAY I, 1979(R) MAY I, 1979 480168# CEDAR HILL, CITY OF DALLAS COUNTY APR I, 19aHR)' MAY 17, 1988 48128211 CEDAR PARK, CITY OF VILLIAMSON COUNTY SEP 27, 1991(R)
SEP 27, 1991 480365# CELESTE, CITY OF HUNT COUNTY SEP I, 1987(R) SEP 4, 1991 48013311 CELINA, CITY OF COLLIN COUNTY NOV 1, 1979(R) SEP 4, 1991 48056611 CENTER, CITY OF SHELBY COUNTY
SEP 4, 1985(R) SEP 4, 1985(M) 48011911 CHAMBERS COUHTY· CHAMBERS COUNTY JUN 15, 1983(R) OCT I, 1983 48032611 CHANDLER, CITY OF HENDERSON COUNTY OCT 24, 197B(R) SEP 27, 1991 481537# CHATEAU
WOODS, CITY OF MONTGOMERY COUNTY JUL 17, 1986(R) JUL 17, 1986 481568 CHELFORD CITY M.U.D. FORT BEND COUNTY DEC 18, 1987(R) (NSFHA) HARRIS COUNTY 48073911 CHEROKEE COUNTY" CHEROKEE COUNTY
DEC I, 1989(R) DEC " 1989(L) 4al053# CHICO, CITY OF VISE COUNTY SEP I, 1987(R) MAR 19, 1990 480125B CHILDRESS,CITY OF CHILDRESS COUNTY AUG I, 1987(R) AUG I, 1987(L) 481141# CHINA GROVE,
CITY OF BEXAR COUNTY JUN 15, 1984(R) JUN 15, 1984 (R) • INDICATES ENTRY IN REGULAR PROGRAM NSFHA • NO SPECIAL FLOOD HAZARD AREA • ALL ZONE C > • DATE OF CURRENT EFFECTIVE MAP IS AFTER
THE DATE OF THIS REPORT •• UNINCORPORATED AREAS ONLY ALL OTHER CODES OR SYMBOLS ARE EXPLAINED ON PAGE 2 OF THIS BOOK 
FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADMINISTRATION PAGE 5 COMMUNITIES PARTICIPATING IN THE NATIONAL FLOOO INSURANCE PROGRAM AS OF MAY 8, 1992 TEXAS DATE OF DATE OF
ENTRY CURRENT COMMUNITY EMERGENCY DR EFFECTIVE MAP NUMBER COMMUN ITV NAME REGULAR PROG. (OR MAP INDEX) 480267# CIBOLO, CITY OF GUADALUPE COUNTY MAY 19, 1981(Rl MAY 19, 1981 480203# CISCO,
CITY OF EASTLAND COUNTY JAN 23, 1979(Rl JAN 23, 1979(M) 481566# CITIES M.U.D. NO.2, CITY a FORT BEND COUNTY JUL 16, 19B4(Rl JUL 16, 1984 481584# CLARENDON, CITY OF DONLEY COUNTY AUG
19, 1986(R) AUG 19, 1986 481253# CLARKSVILLE, CITY OF RED RIVER COUNTY JUN 4, 1990(R) JUN 4, 1990 480742# CLAY COUNTY* CLAY COUNTY APR 2, 1991(R) APR 2, 1991 485461# CLEAR LAKE SHORES,
CITY OF GALVESTON COUNTY OCT 23, 1970(R) APR 4, 1983 485462# 􀁃􀁾􀁅􀁂􀁕􀁒􀁎􀁅􀀬􀀠CITY OF JOHNSON COUNTY 􀁊􀁕􀁾􀀠23, 1972(R) SEP 27, 1991 48043911 CLEVELAND,CITY OF LiBeRTY COUNTY AUG
4, 1987(R) AUG 4, 1987 480052B CLIFTON,CITY OF BOSQUE COUNTY APR I, 1987(R) APR I, 1987(L) 481260A CLI CLI NT, TOlIN OF EL PASO COUNTY JUL I, 1987(R) JUL I, 1987(L) 480068# CLUTE, CITY
OF BRAZORIA COUNTY DEC 7, 1976(R) MAY 4, 1992 480721 CLYDE, CITY OF CALLAHAN COUNTY MAY 25, 1978(R) (NSFHA) 481599 COLDSPRING, CITY OF SAN JACINTO COUNTY MAY II, 1987(R)· 48012911 COLEMAN,
CITY OF COLEMAN COUNTY APR I, 1981(Rl APR I, 1981 480083# COLLEGE STATION,_ CITY OF BRAZOS COUNTY JUL 2, 1981(Rl JUL 2, 1981 480590# COLLEYVILLE, TOlIN OF TARRANT COUNTY DEC I, 1982(R)
DEC 1, 1982 480130# CaLl! N COUNTY* COLLIN COUNTY JUN 16, 1981(R) SEP 4, 1991 480480B COLORADO CITY, CITY OF MITCHELL COUNTY APR I, 1987(R) APR I, 1987(L) 480144# COLORADO COUNTY* COLORADO
COUNTY SEP 19, 1990(R) JAN 3, 1990 481489t1 COLORADO COUNTY -􀁾􀁃􀁉􀁾􀀣􀀲􀀠COLORADO COUNTY JUN I, 1988(R) JUN 1, 1988(L) 480145# COLUMBUS, CITY OF COLORADO COUNTY JUN 19, 1985(R) JAN
3, 1990 485463# CONAL COUNTY* COMAL COUNTY NOV 9, 1973(R) JUN 15, 1988 480150 COMANCHE COUNTY COMANCHE COUNTY JUN 20, 1990 -480151# COMANCHE, CITY OF CONANCHE COUNTY DEC 7, 􀀱􀀹􀀸􀁾􀀨􀁒􀀩􀀠DEC
7, 1982(Ml 480104 COMBES, TOWN OF CANERON COUNTY SEP I, 1981(Rl (NSFHA) 480366# COMMERCE, CITY OF HUNT COUNTY MAR 2, 1981(R) SEP 4, 1991 480484# CONROE, CITY OF NDNTGOMERY COUNTY MAY
16, 1977(R) NOV 20, 1991 480038# CONVERSE, CITY OF BEXAR COUNTY JUN IS, 1981(R) NOV IS, 1985 480765# COOKE COUNTY* COOXE COUNTY SEP I, -1987(R) SEP 10, 1987(L) 480911A COOLIDGE, CITY
OF LIMESTONE COUNTY NOV 1, 1989(R) NOV 1, 1989(L) 480170# COPPELL, CITY OF DALLAS COUNTY AUG I, 1980(R) OCT 16, 1991 481508# COPPER CANYON, TOWN OF DENTON COUNTY SEP 18, 1987(R) SEP
18, 1987 480155# COPPERAS COVE, CITY OF CORYELL COUNTY NOV 􀁾􀀱􀀬􀀠1978(Rl AUG 1, 1983 481143# CORINTH, TOlIN OF DENTON COUNTY MAY 15, 1979(R) JUN 3, 1986 485464# CORPUS CHRISTI, CITY
OF NUECES COUNTY JUL 23, 1971(R) AUG 3, 1989 480527# CORRIGAN, CITY OF POLK COUNTY APR 20, 1982(R) APR 􀁾􀁏􀀬􀀠1982(M) 480498# CORSICANA, CITY OF NAVANRO COUNTY AUG 17, 1981(R) AUG 17,
1981 480768# CORYELL COUNTY* CORYELL COUNTY SEP 3D, 1981(Rl SEP 3D, 1981 48161" COTTONWOOD SHORES, CITY OF BURNET COUNTY NOV 16, 1990(R) NOV 16, 1990 480431B COTULLA,CITY OF LASALLE
COUNTY APR I, 1987(R) APR I, 1987(L) (R) INDICATES ENTRY IN REGULAR PROGRAM NSFHA -NO SPECIAL FLOOO HAZARD AREA -ALL ZONE C > -DATE OF CURRENT EFFECTIVE MAP IS AFTER THE DATE OF THIS
REPORT * -UNINCORPORATEO AREAS ONLY ALL OTHER COOES OR SYMBOLS ARE eXPLAINED ON PAGE 2 OF THIS BOOK 
FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADMINISTRATION PAGE 6 COMMUNITIES PARTICIPATING IN THE NATIONAL FLOOD INSURANCE PROGRAM AS OF MAY 8, 1992 TEXAS 'DATE OF DATE OF
ENTRY CURRENT CONMlJNITY EMERGENCY OR EFFECTIVE MAP NUMBER COMMUN I TY NAME REGULAR PROG. (OR MAP INDEX) 480409A CRANDALL, CITY OF KAUFMAN COUNTY MAR 12, 1992 MAY 21, 1976 480501 CRANE,
CITY OF CRANE COUNTY NOV 16, 1987(R) (NSFHA) 481512# CRANFILLS GAP, CITY OF BOSQUE COUNTY JAN 1, 1992(R) JAN I, 1992(L) 480359# CROCKETT, CITY OF HOUSTON COUNTY SEP 30, 1980(R) SEP 30,
1980 480159B CROSBYTON, CITY OF CROSBY COUNTY AUG 24, 1982(R) AUG 􀁾􀀴􀀬􀀠1982(M) 481513# CROSS ROADS, TOWN OF DENTON COUNTY JAN 6, 1988 JAN 6, 1988 480819A CROWELL, CITY OF FOARD COUNTY
AUG 24, 1982(1) AUG 24, 1982(M) 480591# CROWLEY, CITY OF TARRANT COUNTY APR 15, 1981(R) APR 15, 1981 4806888 CRYSTAL CITY, CITY OF ZAVALA COUNTY SEP 1, 1987(R) SEP 1, 1987(L) 48019611
CUERO, CITY OF DEl/ITT COUNTY AUG 3, 1981(R) AUG 3, 1981 480162# CULBERSON COUNTY· CULBERSON COUNTY NOV I, 1985(R) NOV 1, 1985(H) 481279# CUT 'N SHOOT, CITY OF MONTGOMERY COUNTY FEB
22, 1988(R) AUG 1, 1984 480493# DAINGERFIELD, CITY OF MORRIS COUNTY DEC 7, 1982(R) DEC 7, 1982(H) 481101# DAISETTA,CITY OF LIBERTY COUNTY JUN 15, 1982(R) APR 3, 1987 􀀴􀀸􀀰􀀱􀁾􀀣􀀠DALHART,
CITY OF DALLAM COUNTY JUL 1, 1987(R) FEB 6, 1991 HARTLEY COUNTY 480165# DALLAS COUNTY· DALLAS COUNTY JUL 19, 1982(R) JUL 19, 1982 480171# DALLAS, CITY OF DALLAS COUNTY MAR 16, 1983(R)
JUL 2, 1991 481013# DALWORTHINGTON GARDENS, TOY TARRANT COUNTY MAY 17, 1982(R) MAY 17, 1982 480069# DANBURY, CITY OF BRA20RIA COUNTY SEP 16, 1981(R) MAY 4, 1992 480445A DARROUZETT, TOWN
OF LIPSCOMB COUNTY FEB IS, 1985(R) FEB 15, 1985(M) 480953A 􀁄􀁁􀁾􀁓􀁏􀁎􀀬􀀠CITY OF NAVARRO COUNTY AUG 22, 1978(R) AUG 22, 1978(M) 481593# DAYTON LAKES, CITY OF IIBERTY COUNTY NOV 15,
1989(R) NOV IS, 1989 480440# DAYTON, CITY OF LIBERTY COUNTY SEP 30, 1988(R) SEP 3D, 1988 480152B DE LEON, CITY OF COMANCHE COUNTY SEP 4, 19B5(R) SEP 4, 1985(H) 480678# DECATUR, CITY
OF 􀁾􀁉􀁓􀁅􀀠COUNTY AUG 16, 1977(R) MAR 19, 1990 480291# . DEER PARK, CITY OF HARRIS COUNTY AUG IS, 1980(R) SEP 28, 1990 480631# DEL RIO, CITY OF VAL VERDE COUNTY JUN 15, 1979(R) AUG
15, 1990 480362A DELL CITY, CITY OF HUDSPETH COUNTY JUL 1, 1987(R) JUL 1, 1987(L) 480259# DENISON, CITY OF GRAYSON COUNTY MAY 15, 1980(R) MAY IS, 1980 480774111 DENTON COUII.TY· DENTON
COUNTY MAY 4, 1987(R) NOV 20, 1991 480194# DENTON, CITY OF DENTON COUNTY AUG 1, 1979(R) AUG 4, 1987 480682# DENVER CITY, CITY OF YDAKIJM COUNTY JUL 17, 1989(R) JUL 17, 1989 4804268 DEPORT,
CITY OF LAMAR COUNTY SEP 28, 1982(R) SEP 28, 1962(M) 480172# DESOTO, CITY OF DALLAS COUNTY MAY 5, 1981(R) APR 17, 1984 480690# DEVINE, CITY OF HEDINA COUNTY APR IS, i977(R) APR 15, 1977
481171# 􀁄􀁅􀁾􀁉􀁔􀁔􀀠COUNTY* 􀁄􀁅􀁾􀁉􀁔􀁔􀀠COUNTY MAY 1, 1987(R) MAY 1, 1987(L) 460008# DIBOLL, CITY OF ANGELINA COUNTY FEB 6, 1991(R) FEB 6, 1991 481569# DICKINSON, VILLAGE OF GALVESTON
COUNTY 'APR 9;, 1971(R) MAR 4, 1991 4802378 DILLEY, CITY OF FRIO COUNTY FEB 1, 1988(R) FEB 1, 1988(L) 480118B DIMMITT, CITY OF CASTRO COUNTY APR 1, 1987(1) APR I, 1987(L) (R) INDICATES
ENTRY IN REGULAR PROGRAM NSFHA • NO SPECIAL FLOOD HAZARD AREA • ALL ZONE C > -DATE OF CURRENT EFFECTIVE HAP IS AFTER THE DATE OF THIS REPORT •• UNINCORPORATED AREAS ONLY ALL OTHER CODES
ON SYMBOLS ARE EXPLAINED ON PAGE 2 OF THIS BOOK 
FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADMINISTRATION PAGE 7 COMMUNITIES PARTICIPATING IN THE NATIONAL FLOOO INSURANCE PROGRAM AS OF MAY 8, 1992 TEXAS DATE OF DATE OF
ENTRY CURRENT COMMUNITY EMERGENCY OR EFFECT1VE MAP NUMBER COMMUNITY NAME REGULAR PROG. (OR MAP INDEX) 4803368 DONNA, CITY OF HIDALGO COUNTY JUN 19, 1985(R) JUN 19, 1985(M) 481516# DOUBLE
OAK, TOWN OF DENTON COUNTY MAR 4, 1987(R) MAR 18, 1991 480507# DRISCOLL, CITY OF NUECES COUNTY JUL 16, 1981(R) JUL 16, 1981 4802198 DUBLIN, CITY OF ERATH COUNTY AUG 8, 1978(R) AUG 8,
1978(M) 480173# DUNCANVILLE, CITY OF DALLAS COUNTY APR 15, 1981(R) NOV 19, 1987 480202# DWAL COUNTY" DUVAL COUNTY MAY 1, 1987(R) MAY 1, 1987(L) 480146# EAGLE LAKE,CITY OF COLORADO COUNTY
APR I, 1987(R) JAN 3, 1990 480471# EAGLE PASS, CITY OF MAVERICK COUNTY JUN 1, 1981(R) JUN " 19!1 4800888 EARLY, CITY OF BROWN COUNTY JUL 1, 1987(R)JUL I, 1967(L) 480895A EARTH, CITY OF LAMB COUNTY JUL 18, 1985(Rl JUL 18, ,985(M) 4802048 EASTLAND,CITY OF EASTLAND COUNTY AUG 1, 1987(R) AUG I, 1987(L) 481145A EASTON, VILLAGE OF GREGG
COUNTY DEC 1, 1989(R) DEC I, 1989(L) RUSK COUNTY 480796# ECTOR COUNTY· ECTOR COUNTY HAR 4, 1991 (R) SEP 27, 1991 480337 EDCOUCH, CITY OF HIDALGO COUNTY HAY 25, 1978(R) (NSFHA) 480763A
EDEN, VILLAGE OF CONCHO COUNTY SEP 4, 1985(R) SEP 4, 1985(M) 480592# EDGECLIFF VILLAGE, 􀁔􀁾􀁎􀀠OF TARRANT COUNTY AUG 19, 1986(R) AUG 19, 1986 480338# EDINBURG,CITY OF HIDALGO COUNTY
MAY 2, 1977(Rl AUG 4, 1987 485465# EDNA, CITY OF JACKSON COUNTY NOV 12, 1971(R) JUL 5, 1982 480653# EL CAMPO, CITY OF WHARTON COUNTY JUN 4, 1980(R) MAR 1, 1983 485466# EL LAGO, CITY
OF HARRIS COUNTY JUL 2, 1971(R) SEP 28, 1990 48021211 EL PASO COUNTY· EL PASO COUNTY SEP 4, 1991(R) SEP 4, 1991 480214# EL PASO, CITY OF EL PASO COUNTY OCT 15, 1982(R) AUG 5, 1991 480659
ELECTRA, CITY OF WICHITA COUNTY AUG 3, 1984(Rl (NSFHA) 480023# ELGIN, ClTY OF BASTROP COUNTY JUL 1, 1988(R) AUG 19, 1991 4800028 ELKHART, TOWN OF ANCERSON COUNTY JUN 25, 1976(R) JUN
25, 1976(M) 480798# ELLIS COUNTY· ELLIS COUNTY AUG 19, 19, 1987(R) AUG 19, 1987 480339 ELSA, CITY OF HIDALGO COUNTY HAY 25, 1978(R) (NSFHA) 481634# ENCHANTED OAKS, TOWN OF HENDERSON
COUNTY SEP 27, 1991(R) SEP 27, 1991 480207# ENNIS, CITY OF ELLIS COUNTY JUN 15, 1982(R) JUN 15, 1982(M) 480593# eULESS, CITV OF TARRANT COUNTY APR 3, 1985(Rl APR 3, 1985 480594# EVERMAN,
CITY OF TARRANT COUNTY SEP 17, 1980(R) SEP 17, 1980 480823A FAIRFIELD, 􀁔􀁾􀁎􀀠OF FREESTONE COUNTY MAR 1, 1990CR) MAR I, 1990(L) 481069# FAIRVIEW, TOWN OF COLLIN COUNTY NOV 1, 1979(R)
SEP 4, 1991 480086# FALFURRIAS, CITY OF BROOKS COUNTY AUG 17, 1981(R) AUG 17, 1981 4804048 FALLS C1TY, CITY OF KARNES COUNTY MAR 4, 19860) MAR 4, 1986(M) 480174# FARMERS BRANCH, CITY
OF DALLAS COUNTY FEB 15, 1978(R) AUG 2, 1990 481627# FARMERSVILLE, CITY OF COLLIN COUNTY APR 2, 1991(R) SEP 4, 1991 481565# FAYETTE CO. W.C.& I.D.-MONU FAYETTE COUNTY JUL 3, 1985(R)
JUL 3, 1985(M) 480815# FAYETTE COUNTY" FAYETTE COUNTY JUN I, 1987(Rl JUN 1, 1987(L) 4810768 FERRIS, CITY OF ELLIS COUNTY AUG 22, 1978(R) AUG 22, 1978(M) (R) INDICATES EHTRY IN REGULAR
PROGRAM HSFHA • NO SPECIAL FLOOO HAZARD AREA -ALL ZONE C > • DATE OF CLRRENT EFFECTIVE MAP IS AFTER THE DATE OF THIS REPORT •• UNINCORPORATEO AREAS ONLY ALL OTHER COOES OR SYMBOLS ARE
EXPLAINED ON PAGE 2 OF THIS BOOK 
FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADMINISTRATION PAGE 8 COMMUNITIES PARTICIPATING IN THE NATIONAL FLOOD INSURANCE PRDONAM AS OF HAY 8, 1992 . TEXAS DATE OF DATE OF
ENTRY CURRENT Ct»lMUN ITY EMERGENCY OR EFFECTIVE HAP NUMBER COMMUNITY NAME REGULAR PRDG. (OR HAP INDEX) 4815831t FIRST COLONY L.I.D. FORT BEND COUNTY NOV 19, 1987(R) NOV 19, 1987 481102A
FLATONIA, TOlIN O.F FAYETTE COUNTY JUN 19, 1985(R) JUN 19, 1985(11) 48D6691t FLORENCE, CITY OF WILLIAMSON COUNTY SEP 27, 1991(R) SEP 27, 1991 4806711t FLORESVILLE, CITY OF WI LSON COUNTY
NOV 16, 1977(R) NOV 16, 1977 480m# FLOWER HOUND, TOlIN OF DENTON COUN.TY SEP 18, 1986(R) OCT 18, 1988 480226B FLOYDADA, CITY OF FLOYD COUNTY NOV I, 1989(R) NOV I, 1989(L) 4805951t FOREST
HILL, CITY OF TARRANT COUNTY AUG I, 1978(R) AUG I, 1978 480410B 􀁾􀁏􀁒􀀩􀁦􀁅􀁾􀀬􀀠CJ!Y OF KAUFMAN COUNTY AUG a, 197'l(R) AUG 8, 1978(") 480228/t FORT BEND COUNTY* FORT SEND COUNTY MAR
19, 1987(R) JUN 18, 1990 4814851t FORT BEND COUNTY L.I.O. #2 FORT BEND COUNTY FEB IS, 1985(R) R) FEB 15, 1985 4815_ FORT BENO COUNTY L.I.D. 1t7 FORT BEND COUNTY AUG 5, 1986(R) AUG 5,
1986 481272# FORT BEND COUNTY M.U.O. 1t2 FORT BEND COUNTY NOV 15, 1984(R) NOV IS, 1984 481590# FORT BEND COUNTY M.U.D. #23 FORT BEND COUNTY AUG 5, 1986(R) AUG 5, 1986 481570# FORT BEND
COUNTY M.U.D. #25 FORT BEND COUNTY FEB 4, 1987(R) . FEB 4, 1987. 481601 FORT BEND COUNTY M.U.D. N3D FORT BEND COUNTY AUG 5, 1986(R) USE THE FORT BEND COUNTY (480228) FIRM 481520# FORT
BEND COUNTY M.U.D. N34 FORT BEND COUNTY AUG 5, 1986(R) AUG 5, 1986 4815191t FORT BEND COUNTY M.U.D. #35 FORT 8END COUNTY AUG 5, 1986(R) AUG 5, 1986 481591# FORT BEND COUNTY M.U.D. #41
FORT BEND COUNTY 􀁁􀁕􀁾􀀠5, 1986(R) AUG 5, 1986 481605 FORT BEND COUNTY M.U.D. #42 FORT BEND COUNTY HAY II, 19B7(R) USE THE FORT BEND COUNTY (480228) FIRM. 481600 FORT BEND COUNTY M.U.D.
#81 FORT BEND COUNTY AUG 5, 1986(R) USE THE FORT BEND COUNTY (480228) FIRM. 480525# FORT STOCKTON, CITY OF PECOS COUNTY NOV I, 1985(R) NOV I, 1985(M) 480596# FORT WORTH, CITY OF TARRANT
COUNTY JUN 4, 1980(R) NOV 18, 1988 480990# FRANKLIN, TOWN OF ROBERTSON COUNTY JUL 6, 1982(R) JUL 6, 1982(M) 480252# FREDERICKSBURG, CITY OF GILLESPIE COUNTY MAY 19, 1981(R) HAY 19, 1981
485467# FREEPORT, CITY OF BRAZORIA COUNTY NOV 13, 1970(R) MAY 4, 1992 485468. FRIENDSWOOD, CITY OF 􀁾􀁌􀁖􀁅􀁓􀁔􀁏􀁎􀀠COUNTY MAR 3, 1972(R) JUN 3, 1988 HARRIS COUNTY .4805238 FRIONA,
CITY OF PARMER COUNTY JUN 5, 1985(R) JUN 5, 1985(M) 480134# FRISCO, CITY OF COLLIN COUNTY JUN 18, 1980(R) SEP 4, 1991 480954A FROST, TOlIN OF NAVARRO COUNTY AUG 8, 1978(R) AUG 8, 1978(M)
481041A FRUITVALE, CITY OF VAN ZANDT COUNTY NOV I, 1989(R) NOV 1, 1989(L) 481488# FULSHEAR, CITY OF FORT BEND COUNTY JUL 31, 1981(R) AOO 19, 1987 480012 FULTON, CITY OF ARANSAS COUNTY
FEa 27, 1987(R) USE THE ARANSAS COUNTY (485452) FIRM 481219 GAINES COUNTY" 􀁾􀁉􀁎􀁥􀁳􀀠COUNTY APR 19, 1989 480154# 􀁾􀁉􀁎􀁅􀁓􀁖􀁉􀁌􀁌􀁅􀀬􀀠CITY OF COOKE COUNTY OCT 15, 1981(R) OCT 15,
1981 480293# 􀁾􀁌􀁅􀁎􀁁􀀠PARK, CITY OF HARRIS COUNTY NOV 2, 1982(1) SEP 28, 1990 485470# 􀁾􀁌􀁖􀁅􀁓􀁔􀁏􀁎􀀠COUNTY* 􀁾􀁌􀁖􀁅􀁓􀁔􀁏􀁈􀀠COUNTY APR 'I, '1971(R) NOV 16, 1990 <R) • INDICATES
ENTRY IN 􀁒􀁅􀁾􀁌􀁁􀁒􀀠PROGRAM NSFHA . NO SPECIAL FLOOD HAZARD AREA -ALL ZONE C > -DATE OF CURRENT EFFECTIVE HAP IS AFTER THE DATE OF THIS REPORT " -UNINCORPORATED AREAS ONLY ALL OTHER
CODES OR SYMBOLS ARE EXPLAINED ON PAGE 2 OF THIS BOOK 
FEOERAL EMERGENCY MANAGEMENT AGENCY FEOERAL INSURANCE ADMINISTRATION PAGE 9 COMMUNITIES PARTICIPATING IN THE NATIONAL FLOOD INSURANCE PROGRAN AS OF MAY 8, 1992 TEXAS PATE OF DATE OF
ENTRY CURRENT COMMUNITY EMERGENCY OR EFFECTIVE MAP NUM8ER COMMUNITY NAME REGULAR PROG. (OR MAP INDEX) 48546911 GALVESTON, CITY OF GALVESTON COUNTY MAY 7, 1971(R) OCT 16, 1984 480381#
GANADO, CITY OF JACKSON COUNTY SEP 28, 1979(R) SEP 28, 1979 480148# GARDEN RIDGE, CITY OF CCHAL COUNTY APR 3D, 1986(R) APR 30, 1986 481608 GARFIELD, VILLAGE OF TRAVIS COUNTY APR " 1982(R)
48547111 GARLAND, CITY OF DALLAS COUNTY APR 16, 1971(R) AUG 15, 1990 480156# GATESVILLE, CITY OF CORYELL COUNTY SEP 30, 1981(R) SEP 30, 1981 4804488 GEORGE WEST,CITY OF LIVE OAK COUNTY
AUG " 1987(R) AUG I, 1987( L) 48066811 GEORGETOWN, CITY OF WILLIAMSON COUNTY SEP 27, 1991(R) SEP 27, 1991 480435B GIDDINGS, CITY OF LEE COUNTY SEP 1, 1987(R) SEP 1, 1987(L) 480696# GILLESPIE
COUNTY" GILLESPIE COUNTY MAY I, 1987(R) HAY 1, 1987(L) 4806258 GILMER, CITY OF UPSHUR COUNTY NOV I, 1985(R) NOV 1, 1985(M) 480262# GLADEWATER, CITY OF GREGG COUNTY JAN 16, 1981(R) JAN
16, 1981 4805748 GLEN ROSE, CITY OF SOHERVELL COUNTY MAY 25, 1984(R) MAY 25, 1984(M) 481265# GLENN HEIGHTS, CITY OF DALLAS COUNTY JUL 16, 1980(R) JUL 16, 1980 ELLIS COUNTY 48GS28# GOLIAD,
CITY OF GOL IAD COUNTY AUG 19, 1986(R) AUG 19, 1986 480253# GONZALES COUNTY· GONZALES COUNTY AUG 15, 1978(R) AUG IS, 1978 480254# GONZALES, CITY OF GONZALES COUNTY JUN 15, 1979(R) JUN
15, 1979 48107GA GOODRICH, CITY OF POLK COUNTY JUN 19, 1985(R) JUN 19, 1985(M) 481103 GORMAN, CITY OF EASTLAND COUNTY MAY 25, 1978(R) (NSFHA) 480685# GRAHAM", CITY OF YOUNG COUNTY NOV
4, 1981CR) JAN 2, 1991 480357# GRANBURY, CITY OF HOOD COUNTY JAN 15, 1988(R) JAN 15, 1988 485472# GRANO PRAIRIE, CITY OF DALLAS COUNTY JUL 6, 1973(R) APR 2, 1990 ELL! S COUNTY TARRANT
COUNTY 4806348 GRANO SALINE, CITY OF VAN ZANDT COUNTY NOV 23, 1982(R) NOV 23, 1982(M) 4806438 GRANOFALLS, CITY OF WARD CooNTY AUG I, 1987(R) AUG 1, 1987(LJ 4810461 GRANGER, CITY OF WILLIAMSON
COUNTY SEP 27. 1991(R) SEP 27, 1991 48114911 GRANHE SHOALS, CITY OF BURNET COUNTY NOV 16, 199D(R) NOV 16; 1990 480598# GRAPEVINE, CITY OF DALLAS COUNTY NOV 17, 1982(R) AUG 15, 1989 TARRANT
COUNTY 48082911 GRAY$OK COUNTY· GRAYSON COUNTY NOV 12, 1981 OEC 20, 1977 485473# GREENVILLE, CITY OF HUNT COUNTY AUG 13, 1971(R) SEP 4, 1991 480261# GREGG COUNTY" GREGG COUNTY JAN 3,
1990(R) JAN 3, 1990 480555# GREGORY, CITY OF SAN PATRICIO COUNTY APR 15, 1981CR) APR IS, 1981 48003911 GREY FOREST, CITY OF BEXAR COUNTY JUL 16, 1980(R) JUL 16, 1980 481173# GRIMES COUNTY·
GRIMES COUNTY AUG I, 1988(R) AUG 1, 1988( Ll 48091ZA GROESBECK, CITY OF LIMESTONE COUNTY OCT 15, 1985(R) OCT 15, 1985(") 480726A GROOM, CITY OF CARSON COUNTY JUN 19, 1985(R) JUN 19,
1985<") 485475# GROVES, CITY OF JEFFERSON COUNTY NOV 13, 1970(R) JAN 6, 1983 481032A GROVETON, CITY OF TRINITY COUNTY JUN 19, 1985(R) JUN 19, 1985(") (R) • INDICATES ENTRY IN REGULAR
PROGRAM NSFHA • NO SPECIAL FLOOD HAZARD AREA -ALL ZONE C > -DATE OF CURRENT EFFECTIVE MAP IS AFTER THE DATE OF THIS REPORT • -UNINCORPORATED AREAS ONLY ALL OTHER CODES OR SYMBOLS ARE
EXPLAINED ON PAGE 2 OF THIS BOOK 
FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADMINISTRATION PAGE 10 COMMUNITIES PARTICIPATING IN THE NATIONAL FLOOD INSURANCE PROGRAM AS OF MAY 8, 1992 TEXAS DATE OF DATE OF
ENTRY CURRENT I:ilIOOJN IT Y EMERGENCY OR EfFECTIVE HAP NIJI1BER COMMUNI TY NAME REGULAR PRoq", (OR HAP INDEX) 4802661 GUADALUPE COUNTY" GUADALUPE COUNTY HAR I, 1979(R) JAN 3, 1985 480832A
GUNTER, TOWN OF GRAYSON COUNTY JAN 18, 1988(R) JAN 18, 1988 481607 HACKBERRY, TOWN OF DENTON COUNTY DEC 17, 1987 481223' HALE COUNTY" HALE COUNTY FEB I, 1988(R) FEB 1, 1988(L) 4854760
HALlETSVIlLE, CITY OF LAVACA COUNTY JUL 7, 1972(R) FEB 2, 1979 480599# HALTOM CITY, CITY OF TARRANT COUNTY FEB I, 1978(R) JUN 4, 1990 480281' HAMILTON, CITY OF HAMILTON COUNTY JUN I,
1987(R) SEP 4, 1991 4804028 HAMLIN, CITY OF FISHER COUNTY JUL I, 1987(R) JUL I, 1987(L) JONES COUNTY 4802_ HARDIN COUNTY" HARD I N COUNTY UP 29, 1978(R) SEP 29, 1978 481270 HARD,IN,
CITY OF LIBERTY COUNTY APR 9, 1985(R) (NSFHA) 480029# HARKER HEIGNTS, CITY OF SELL COUNTY AUG 3, 1981 1981 (R) AUG 3. 1981 485477# HARLINGEN, CITY OF CAMERON COUNTY JUN 23, 1972(R) AUG
3, 1981 480287# HARRIS COUNTY" HARRIS COUNTY HAY 26, 1970(R) SEP 28. 1990 48084711 'HARRISON COUNTY" HARRISON COUNTY NOV 1. 1989(R) NOV I, 1989(L) 480851# HASKELL COUNTY· HASKELL COUNTY
OCT 15, 1985(R) OCT 15, 1985(M) 480320# HASKELL,CITY OF HASKELL COUNTY SEP 18, 1987(R) SEP IS, 1987 480600# HASLET, CITY OF TARRANT COUNTY OCT 15. 1985(R) OCT IS, 1985 480885A HAWLEY,
TOWN OF JONES COONTY JUL I, 1987(R) JUL t, 1987(Ll 48032111 HAYS COUNTY· HAYS COUNTY SEP 23, 1982 MAR 21, 1978 48054211 HEARNE, CITY OF ROBERTSOH COUNTY AUG 19, 1986(R) AUG 19. 1986
48054511 HEATH, CITY OF KAUFMAN COONTY FEB I, 1980(R) FEB I, 1980 ROCKWALL COONTY 480294 HEDWIG VILLAGE, CITY OF HARRIS COUNTY MAY 26, 1978(R) (NSFHA) 48099711 HEMPHILL, CITY OF SABINE
COUNTY SEP 18, 1979(R) SEP 18. 1979(M) 481045' HEMPSTEAD, TOWN OF WALLER COUNTY JUN IS, 1981(R) JUN 15, 1981 481174# HENDERSON COUNTY· HENDERSON COONTY SEP 27, 1991 (R) SEP 27, 1991
480551# HENDERSON, CITY OF RUSK COONTY SEP 27. 1991(R) SEP 27, 1991 48012611 HENRIETTA, CITY OF CLAY COONTY FE8 4. 1987(R) APR 2. 1991 4801928 HEREFORD, CITY OF DEAF SMITH COUNTY JUN
I, 1988(R) JUN I, 1988(L) 4804581 HEWITT ,CITY OF MCLENNAN COONTY MAY I, 1978(R) HAY I, 1978 481150A HICKORY CREEK, TOWN OF DENTON COONTY MAR 1. 1991(R) HAR 1. 1991(Ll 480334# HIDALGO
COUNTY· HIDALGO COUNTY JAN 2, 1981(R) NOV 16, 1982 480340B HIDALGO, TOWN OF HIDALGO COONTY JAN I, 1992(R) JAN I, 1992(L) 4801781 HIGHLANO PARK, TOWN OF DALLAS COUNTY JUL 16. 1979(R)
JUL 16. 1979 481105# HIGHLAND VILLAGE, VILLAGE 0 DENTON COUNTY JUL 16, 1987(R) , JUL 16, 1987 4854781 HILLCREST VILLAGE, CITY OF BRAZORIA COUNTY MAR 17, 1972(R) HAY 4. 1992 48035111
HILLSBORO, CITY OF HILL COUNTY SEP 30, 1980(R) SEP 30, 1980 480295 HILSHIRE VILLAGE, CITY OF HARRIS COUNTY JUN 28, 1979(R) (NSFHA) 485479# HITCHCOCK, CITY OF GALVESTON COUNTY NOV 13,
1970(R) APR 4. 1983 48551711 HOLIDAY LAKES, TOWN OF BRAZORIA COONTY JAN 12. 1984(R) HAY 4, 1992 (R) . INDICATES ENTRY IN REGULAR PROGRAM HSFHA • NO SPECIAL FLOOD HAZARD AREA " ALL ZONE
C > • DATE OF CURRENT EFFECTIVE MAP IS AFTER THE DATE OF THIS REPORT * . UNINCORPORATED AREAS ONLY ALL OTHER CODES OR SYM80LS ARE EXPLAINED ON PAGE 2 OF THIS BOOK 
FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADMINISTRATION PAGE 11 COMMUNITIES PARTICIPATING IN THE NATIONAL FLOOD INSURANCE PROGRAM AS OF MAY 8, 1992 TEXAS DATE OF DATE OF
ENTRY CURRENT COMMUNITY EMERGENCY OR EFFECTIVE MAP NUMBER COMMUNITY NANE REGULAR PROG. (OR MAP INDEX) 480030' HOLLAND, CITY OF BELL COUNTY AUG 3, 1981CR) AUG 3, 1981 480699A HOLLIDAY,
CITY OF ARCHER COUNTY NOV 1, 1989(R) NOV 1, 1989(L) 480040' HOLLYWOOO PARK, TOWN OF BEXAR COUNTY NOV 19, 1980(R) DEC 21, 1982 480474# HONDO, CITY OF MEDINA COUNTY DEC 1, 1978(R) OEC
1, 1978 480356# HOOD COUNTY· HOOD COUNTY OCT 18, 1988(R) SEP 5, 1990 4800568 HOOKS, CITY OF BOI/IE COUNTY APR 1, 1987<R) APR 1, 1987(Ll 480296# HOUSTON, CITY OF FORT BEND COUNTY DEC
11, 1979(R) SEP 28, 1990 HAAR I S COUNTY < MONTGOMERY COUNTY 4812271 HOI/ARD COUNTY" HOI/ARD COUNTY FEB 1, 198BIR) FEB 1, 1988(L) 480833A HOllE, TOlIN OF GRAYSDN COUNTY SEP 4, 1985(R)
SEP 4, 1985 480859A HUBBARD, CITY OF HILL COUNTY MAY 1, 1985(R) MAY 1, 1985(M) 480361# HUDSPETH COUNTY· HUDSPETH COUNTY NOV 1, 19851R) NOV 1, 1985(M) 480734A HUGHES SPRINGS, CITY OF
CASS COUNTY JAN 1, 1992(R) JAN 1, 1992(l) 480297# HUMBLE, CITY OF HARRIS COUNTY SEP 16, 1982(R) SEP 28, 1990 480363# HUNT COUNTY' HUNT COUNTY SEP 4, 1991(R) SEP 4, 1991 480298# HUNTER'S
CREEK VILLAGE, CIT HARRIS COUNTY NOV 5, 1980(R) SEP 28, 1990 480639# HUNTSVILLE, CITY OF WALKER COUNTY FEB 4, 1981<R) FEB 4, 1981 480601# HURST, CITY OF TARRANT COUNTY OCT 15, 1985(R)
OCT 15, 1985 480179# HUTCHINS, CITY OF DALLAS COUNTY MAY 1, 19801R) MAY " 1980 480916A IDALOU, TOlIN OF LUBBOCK COUNTY JUN 1, 1988(R) JUN 1, 1988(L) 481645 INGLESIDE ON THE BAY, CITY
SAN PATRICIO COUNTY MAY 11, 1992(R) USE THE SAN PATRICIO COUNTY (485506) FIRM. 485480# INGLESIDE, CITY OF SAN PATRICIO COUNTY JUN 25, 1971(RI MAR 18, 1985 481592 INGRAM, CITY OF KERR
COUNTY MAY I, 1979(RI 481071# IOWA COLONY, TOlIN OF BRAZORIA COUNTY MAY 17, 1982(R) MAY 4, 1992 480660# IOWA PARK, CITY OF WICHITA COUNTY DEC 15, 1982(R) DEC 15, 1982 480973A IRAAN,
TOlIN OF PECOS COUNTY JUN 5, 1985(R) JUN 5, 1985(M) 481072 IREDELL, TOlIN OF BOSQUE COUNTY APR 7, 1992 NOV 1, 1974 480180# IRVING, CITY OF DALLAS COUNTY NOV 19, 1980(R) APR 2, 1991 480860#
ITASCA, CITY OF HILL COUNTY JUL 6, 1982(RI JUL 6, 1982(M) 480299# JACINTO CITY, CITY OF HARRIS COUNTY SEP 2, 1981(R) SEp 28, 1990 480378# JACKSBORO, CITY OF JACK COUNTY JAN 15, 198B(R)
JAN IS, 1988 480379# JACKSON COUNTY· JACKSON COUNTY AUG 15, 1978(R) JUN 19, 1985 48012311 JACKSONVILLE, CITY OF CHEROKEE COUNTY FEB 18, 1981<RI FEB 18, 1981 48127111 JAMAICA BEACH, VILLAGE
OF GALVESTON COUNTY APR 8, 1971(RI APR 4, 1983 4810808 JASpER COUNTY' JASPER COUNTY APR 1, 1991(R) APR 1, 1991(L) 48038311 JASPER, CITY OF JASPER COUNTY JAN 2, 1981(R) JAN 2, 1981 481251#
JEFF DAVIS COUNTY· JEFF DAVIS COUNTY JUL 18, 1985(R) JUL 18, 1985(M) 480385# JEFFERSON COUNTY· JEFFERSON COUNTY JUN 1, 1983(R) APR 2, 1992 480465# JEFFERSON, CITY OF MARION COUNTY OCT
26, 19821Rl OCT 26, 1982(M) (R) . INDICATES ENTRY IN REGULAR PROGRAM NSFHA . NO SPECIAL FLOOD HAZARD AREA • ALL ZONE C C > • DATE OF CURRENT EFFECTIVE MAP IS AFTER THE DATE OF THIS REPORT
•. UNINCORPORATED AREAS ONLY ALL OTHER CDOES DR SYMBOLS ARE EXPLAINED ON PAGE 2 OF THIS BOOK 
FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADMINISTRATION PAGE 12 COMMUNITIES PARTICIPATING IN THE NATIONAL FLOOD INSURANCE PROGRAM AS OF MAY 8, 1992 TEXAS OATE OF DATE OF
eNTRY CURRENT COMMUNITY EMERGENCY OR EF FECT! VE MAP NUMBER COMMUNITY NAME REGULAR PROG. (OR MAP lNOEX) 4803001 JERSEY VILLAGE, CITY OF HARRIS COUNTY MAR 15, 1982(R) SEP 28, 1990 481081#
JIM HOGG COUNTY" JIM HOGG COUNTY NOV 1, 1987(R) NOV 1, 1987(l) 481258# JIM HELLS COUNTY" JIM WELLS COUNTY MAY 2, 1983(R) MAY 2, 1983 4S1005A JOAQUIN, CITY OF SHELBY COUNTY JUL 18, 1985(R)
JUL 18, 1985(M) 480712# JOHNSON CITY, CITY OF BLANCO COUNTY MAR 1, 1986(R) FEB 6, 1991 480879# JOHNSON COUNTY" JOHNSON COUNTV SEP 27, 1991(R) SEP 27, 1991 480072# JONES cREEK, VILLAGE
OF BRAZORIA COUNTV JUN 5, 1985(R) MAY 4, 1992 481597# JONESTOWN, CITY OF TRAVIS COUNTY APR ,,1982(R) MAR 16, 1988 480882#. JOSHUA, CITY OF JOHNSON COUNTY SEP 27, 1991(R) SEP 27, 1991
480703# JOURDANTON, CITY OF ATASCOSA COUNTY JUL 18, 1983(R) JUL 18, 1985(M) 480421# JUNCTION, CITY OF KIMBLE COUNTY SEP 26, 1979(R) NOV 4, 1988 4804058 KARNES CITY, CITY OF KARNES COUNTY
AUG 1, 1986(R) AUG I, 1986(L) 480301# KATY, CITY OF FORT BEND COUNTY MAR 2, 1981(R) . FEB 8, 1983 HARRIS COUNTY WALLER COUNTY 480411# KAUFMAN COUNTY" KAUFMAN COUNTY SEP 4, 1991<R) SEP
4, 1991 480401l! KAUFMAN, CITY OF KAUFMAN COUNTY AUG 8, 1911!(R) AUG 8, 1911!(M) 480602# KELLER, CITY OF TARRANT COUNTY SEP 3D, 1982(R) SEP 3D, 1982 485481# KEMAH, CITY OF GALVESTON
COUNTY OCT 16, 1970(R) APR 4, 1983 480412# KEMP, CITY OF KAUFMAN COUNTY SEP 16, 1980(R) SEP 3, 1980 480417# KENDALL COUNTY· KENDALL COUNTY JUN 17, 1986(R) SEP 28, 1990 481230# KENEDY
COUNTY· KENEDY COUNTY APR 3, 1984(R) MAY 4, 1992 485482# KENEDY, CITY Of KARNES COUNTY JUN 25, 1971(R) JON 18, 1990 480603# KENNEDALE, CITY OF TARRANT COUNTY NOV 15, 1984(R) NOV 15,
1984 480955 KERENS, CITY OF NAVARRO COUNTY MAY 25, 1978(R) (NSFKA) 480419# KERR COUNTY" KERR COUNTY MAY 1, 1979(R) MAY I, 1979 480420# KERRVillE, CITY OF KERR COUNTY SEP 29, 1978(R)
JAN 19, 1982 480263# 480263# KILGORE, CITY OF GREGG COUIITY JUL 2, 198I(R) JUL 2, 1981 480031# KILLEEN, CITY OF BELL COUNTY AUG 3, 1981<R) JUN 3, 1991 481567# KINGSBRIDGE M.U.D. FORT
BEND COUNTY AUG 5, 1986(R) AUG 5, 1986 HARR I S COUNTY 480424# KINGSVILLE, CITY OF KLEBERG COUNTY FEB 26, 1971(R) AUG 17, 1981 481176# KINNEY COUNTY" KI NNEY COUNTY OCT 15, 1985(R) OCT
15, 1985(M) 480041# KIR8Y, CITY OF BEXAR COUNTY AUG 15, 1980(R) AUG 15, 1980 480384# KIRBYVILLE, CITY OF JASPER COUNTY SEP 18, 1986(R) SEP 18, 1986 480423# KLEBERG COUNTY" KLEBERG COUNTY
AUG 13, 1971<R) MAY 4, 1992 480890B KNOX CITY, CITY OF KNOX COUNTY NOV 1, 1989(R) NOV I, 1989(L) 481151# KOSSE, TOWN OF LIMESTONE COUNTY JUL 6, 1982(R) JUL 6, 1982(M) 480845A KOUNTZE,
CITY OF HARDIN COUNTY NOV 1, 1989(R) NOV 1, 1989(L) 48110SA KYLE, CITY OF KAYS COUNTY DEC 12, 1911!(R) DEC 12, 1978(M) 480106 LA FERIA, CITY OF CAMERON COUNTY AUG 3, 1984(R) (NSFHA)
(R) -INDICATES ENTRY IN REGULAR PROGRAM NSFHA -NO SPECIAL FlODO HAZARD AREA -ALL ZONE C > -DATE OF CURRENT EFFECTIVE MAP IS AFTER THE DATE OF THIS REPORT " -UNI.NCORPDRATED AREAS ONLY
ALL OTHER CODES OR SYMBOLS ARE EXPLAINED ON PAGE 2 OF THIS BOOK 
FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADMINISTRATION PAGE 13 Ca4MUNITIES PARTICIPATING IN THE NATIONAL FLOOD INSURANCE PROGRAM AS OF MAY S, 1992 TEXAS DATE OF DATE OF
ENTRY CURRENT CQ4MUNITY EMERGENCY OR EFFECTIVE MAP NUMBER COMMUNITY NAME REGULAR PROG. (OR MAP INDEX) 4802238 LA GRANGE,CITY OF FAYETTE COUNTY APR 1, 1987(Rl APR 1, 1987(L) 480576A LA
GRULLA, CITY OF STARR COUNTY JAN 3, 1986(R) JAN 3, 1986(M) 480341# LA JOYA, CITY OF HIDALGO COUNTY JUL 16, 1979(R) JUL 16, 1979 4854_ LA MAROUE, CITY OF GALVESTON COUNTY OCT 16, 1970(R)
fEB 16, 1983 485487# LA PORTE, CITY OF HARRIS COUNTY FEB 12, 1971(R) SEP 28, 1990 48105011 LA VERNIA,CITY OF WILSON COUNTY MAY 1, 1978(R) MAY 1, 1978 480342# LA VILLA, CITY OF HIDALGO
COUNTY JUN IS, 1978(R) JUN 15, 1978 480475# LACOSTE, CITY OF MEDINA COUNTY SEP 24, 1984(R) MAY 1, 1979 480927# LACY-LAKEVIEW, CITY OF MCLENNAN COUNTY OCT 9, 1979(R) OCT 9, 1979CM) 481588#
LAGO VISTA, CITY OF TRAVIS COUNTY APR 1, 1982(R) DEC 18, 1986 485483# LAGUNA VISTA, VILLAGE OF CAMERON COUNTY JUL 21, 1972(R) SEP 15, 1983 481616# LAKE BRIDGEPOAT, CITY OF WISE COUNTY
OCT 9, 199O(R) MAR 19, 1990 48078011 LAKE DALLAS, CITY OF DENTON COUNTY AUG 5, 1986(R) AUG 5, 1986 48548411 LAKE JACXSON, CITY OF BRAZORIA COUNTY JUL 7, 1972CR) MAY 4, 1992 481577# LAKE
RANSQ4 CANYON, VILLAGE LUBBOCK COUNTY NOV 1, 1985(R) NOV 1, 1985(M) 481259# LAKE TANGLEWOOD, VILLAGE OF RANDALL COUNTY SEP 30, 19B2(R) SEP 30, 1982 480605 LAKE WONTH, CITY OF TARRANT
COUNTY MAY 1, 1991 NOV 19, 1976 481496# LAKESIDE CITY, CITY OF ARCHER COUNTY APR 1, 1991(R) APR I, 1991(L) WICHITA COUNTY 480604 LAKESIDE, CITY Of TARRANT COUNTY AUG 3, 19S4(R) (NSfHA)
481303# LAKEWAY, VILLAGE Of TRAVIS COUNTY NOV 5, 1980(R) NOV 5, 1980 480191# LAMESA, CITY OF DAWSON COUNTY APR 30, 1976(R) FEB 6, 1991 48089911 LAMPASAS COUNTY· lAMPASAS COUNTY JAN 2,
1991(R) JAN 2, 1991 480430# LAMPASAS, CITY OF LAMPASAS COUNTY JUN 15, 1982(R) JUN 15, 1982 1,80182# LANCASTER, CITY OF DALLAS COUNTY AUG 3, 1981(RJ SEP 5, 1984 480651# LAREDO, CITY OF
WEBB COUNTY MAY 17, 1982(R) NAY 17, 1982 481178# LAVACA COUNTY* LAVACA COUNTY SEP 1, 1987(R) SEP I, 1987(L) 481313# LAVON, TOWN Of COLLIN COUNTY MAY 13, 1991 (R) SEP 4, 1991 481074#
LAWARD, CITY OF JACKSON COUNTY SEP 28, 1979(R) SEP 28, 1979 485488# LEAGUE CITY, CITY OF GALVESTON COUNTY NOV 20, 1970CR) SEP 28, 1990 480980B LEAKEY, CITY OF REAL COUNTY NOV 1, 1989(R)
NOV I, 1989(L) 481536# LEANDER, CITY Of WILLIAMSON COUNTY SEP 27, 1991(R) SEP 27, 1991 480256B LEFORS, CITY Of GRAY COUNTY AUG 1, 1987(R) AUG 1, 1987(L) 480042# LEON VALLEY, CITY OF
BEXAR COUNTY JUN 1, 1977(R) NOV 15, 1989 481314# LEROY, CITY OF MCLENNAN COUNTY JAN 30, 1980(R) JAN 2, 1980 480354# LEVELLAND, CITY Of HOCXLEY COUNTY AUG 2, 1990(R) AUG 2, 1990 480195#
LEWISVILLE, CITY Of DENTON COUNTY OCT 18, 1988(R) OCT 18, 1988 480438# LIBERTY COUNTY* LIBERTY COUNTY SEP 30, 1988(R) SEP 30, 1988 480441# LIBERTY, CITY OF LIBERTY COUNTY NOV 18, 1988(R)
NOV 18, 1988 48091011 LIMESTONE COUNTY* LIMESTONE COUNTY JUN 1, 1987(R) JUN I, 1987CL) 480735A LINDEN, TOWN OF CASS CASS COUNTY JUN 19, 1985(R) JUN 19, 1985(M) CRl INDICATES ENTRY IN
REGULAR PROGRAM NSFHA -NO SPECIAL FLOOD HAZARD AREA -ALL ZONE C > -DATE OF CURRENT EFFECTIVE MAP IS AFTER THE DATE OF THIS REPORT • -UNINCORPORATED AREAS ONLY ALL OTHER CODES OR SYMBOLS
ARE EXPLAINED ON PAGE 2 OF THIS BOOK 
FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADMINISTRATION PAGE 14 COMMUNITIES PARTICIPATING IN THE NATIONAL FLOOD INSURANCE PROGRAM AS OF MAY 8, .1992 TEXAS DATE OF DATE OF
ENTRY CURRENT COMMUNITY EMERGENCY OR EFFECTIVE MAP NUMBER COHHUN I TY NAME REGULAR PROG. (OR MAP INDEX) 480766A L1NOSAY, TOlIN OF COOKE COUNTY APR 1, 1987(R) APR 1, 1987(Ll 481152# LITTLE
ELM, TOlIN OF DENTON COUNTY MAY 13, 1991(R) SEP 18, 1987 48157911 LITTLE RIVER-ACADEMY, CITY BELL COUNTY MAY 1, 1984(R) MAY 1, 1964 4804298 LITTLEFIELD,CITY OF LAMB COUNTY APR 1, 1987(R)
APR I, 1987(L) 480043# LIVE OAK, CITY OF BEXAR COUNTY MAY 16, 1977(R) MAY 16, 1977 480075# LIVERPOOL, CITY OF BRAZORIA COUNTY JUN 5, 1985(R) HAY 4, 1992 480528B LIVINGSTON, CITY OF POLK
COUNTY SEP 1, 1987(R) SEP I, 1987(L) 481234# LLANO COUNTY' LLANO COUNTY SEP 18, 1991(R) SEP 18, 19Q1 480451# LLANO, CITY OF LLANO COUNTY MAY 4, 1982(R) MAY 4, 1982(M) 480095# LOCKHART,
CITY OF CALDWELL COUNTY NOV 5, 1980(R) JAN 17, 1991 480264# LONGVIEW, CITY OF GREGG COUNTY DEC 15, 1977(R) JAN 17, 1990 HARRISON COUNTY 480928# LORENA, TOlIN OF MCLENNAN COUNTY MAY 14,
1980(R) fEB 1, 1979 480160B LORENZO, CITY OF CROSBY COUNTY AUG 24, 1982(Rl AUG 24, 1982 480108# LOS FRESNOS, CITY OF CAMERON COUNTY AUG 19, 1986(R) AUG 19, 1986(M) 480874A LOVELADY,
CITY OF HOUSTON COUNTY MAR 1, 1991(R) MAR I, 1991(L) ·481631# LOIIRY CROSSING, CITY OF COLLIN COUNTY AUG 22, 1991(R) SEP 4, 1991 480452# LUBBOCK, CITY OF LUBBOCK COUNTY SEP 2, 1982(R)
MAR 18, 1986 481545# LUCAS, CITY OF COLLIN COUNTY JUL 3, 1979(R) SEP 4, 1991 480009# LUFKIN,CITY OF ANGELINA COUNTY JUN 1, 1982(Rl JUN 3, 1988 48009611 LULING, CITY OF CALDWELL COUNTY
JAN 16, 1979(R) JAN 16, 1979(M) 481111# LUMBERTON, CITY 01 HARDIN COUNTY MAY 8, 1979(R) DEC 2, 1988 480665# LHaRD, CITY OF WILLACY COUNTY MAY 5, 1981(R) MAY 5, 1981 480692# LYTLE, CITY
OF ATASCOSA COUNTY FEB 2, 1977(R) FEB 2, 1977 BEXAR COUNTY 480414B MABANK, CITY OF KAUFMAN COUNTY AUG 8, 1978(Rl AUG 8, 1978(M) 481180# MADISON COUNTY' MADISON COUNTY SEP 27, 1991CR)
UP 27, 1991 480464# MADISONVILLE, CITY OF MADISON COUNTY MAR 5, 1990(R) MAR 5, 1990 481261# MAGNOLIA, TOlIN OF MONTGOMERY COUNTY JAN 3, 1985(R) JAN 3, 1985 480329# MALAKOFF, CITY OF
HENDERSON COUNTY JAN 23, 1979(R) SEP 27, 1991 480861A MALCNE, CITY OF HILL COUNTY DEC I, 1989(R) DEC 1, 1989(L) 481027 MANOR, CITY OF TRAVIS COUNTY MAY Z5, 1978(Rl (NSFHA) 480606# MANSFIELO,
CITY Of TARRANT COUNTY DEC 18, 1985(R) SEP 28, 1990 480076# MANVEL, TOlIN OF BRAZORIA COUNTY DEC I, 1981(R) MAY 4, 1992 480093# MARBLE FALLS, CITY OF BURNET COUNTY NOV 16, 1990(R) NOV
16, 1990 481493 MARFA, CITY OF PRESIDIO COUNTY MAY 26, 1978(R) (NSFHA) 481630 MARION COUNTY' MARION COUNTY MAY 25, 1989 4802688 HARlaN, CITY OF GUADALUPE COUNTY JAN 3, 1986(R) JAN 3,
1986(M) 480221B MARLIN, CITY OF FALLS COUNTY MAR 1, 1987(R) MAR I, 1987(l) 480319# MARSHALL, CITY OF HARRISON COUNTY SEP 16, 1981 (R) SEP 16, 1981 480929# MART, CITY OF MCLENNAN COUNTY
AUG 9, 1979(R) OCT 14, 1980 (R) INDICATES ENTRY IN REGULAR PROGRAM NSFHA • NO SPECIAL FLOOD HAZARD AREA • ALL ZONE C > • DATE OF CURRENT EFFECTIVE MAP IS AfTER THE DATE OF THIS REPORT
•• UNINCORPORATED AREAS ONLY ALL OTHER CODES OR SYMBOLS ARE EXPLAINED ON PAGE 2 OF THIS BOOK 
FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADMINISTRATION PAGE 15 COMMUNITIES PARTICIPATING IN THE NATIONAL FLOOD INSURANCE PROGRAM AS OF MAY 8, 1992 TEXAS DATE OF DATE OF
ENTRY CURRENT COMMUNITY EMERGENCY OR EFFECTIVE MAP NUMBER COMMUNlTY NAME REGULAR PROG. (OR MAP INDEX) 481236 MARTIN COUNTY· MARTI N COUNTY SEP 22, 1988 481587# MARTINDALE, TOWN OF CAlDIlELL
COUNTY MAR 15, 1982(R) MAR 18, 1986 480467# MASON, CITY OF MASON COUNTY JUL 2, 1979(R) JUL 2, 1979 485489# MATAGORDA COUNTY· MATAGORDA COUNTY APR 30, 1971(R) DEC 4, 1985 480557# MATHIS,
CITY OF SAN PATRICIO COUNTY OCT 23, 1979(R) OCT 23, 1979(M) 4800578 MAUD, CITY OF 􀁂􀁏􀁾􀁉􀁅􀀠COUNTY DEC 12, 1978(R) DEC 12, 1978(M) 480343# MCALLEN, CITY OF HIDALGO COUNTY JUN 15, 1981(R)
NOV 2, 1982 480459# MCGREGOR, CITY OF MCLENNAN COUNTY FED 1, 1979(R) FED 1, 1979 480135# MCKINNEY, CITY OF COLLIN COUNTY JUN 18, 1980(R) SEP 4, 1991 480456# MCLENNAH COUNTY MCLENNAN
COUNTY SEP 16, 1981(R) SEP 2, 1981 4S0463B MCMULLEN COUNTY· MCMULLEN COUNTY JUL 1, 1987(R) JUL 1, 1987(L) 481613# MEADOWLAKES, CITY OF BURNET COUNTY NOV 16, 1990(R) NOV 16, 1990 481563
MEADOWS MUNICIPAL UTILITY 0 FORT BEND COUNTY DEC 17, 1979(R) (NSFHA) 480472# MEDINA COUNTY· MEDINA COUNTY AUG 15, 1980(R) . AUG 15, 1980 480279# MEMPHIS, CITY OF HALL COUNTY MAY 2, 1983(R)
MAY 2, 1983 481238# MENARD COUNTY· MENARD COUNTY SEP 4, 1997(R) SEP 4, 1987 480476# MENARD, CITY OF MENARD COUN TY SEP 4, 1987(R) SEP 4, 1987 480344# MERCEDES, CITY OF HIDALGO COUNTY
JUL 16, 1979(R) JUL 16, 1979 4800538 MERIDIAN,CITY OF BOSQUE COUNTY AUG I, 1987(R) AUG I, 1987(L) 480862A MERTENS, TOWN OF HILL COUNTY MAR 1, 1991(R) MAR I, 1991(L) 48549011 MESQUITE,
CITY OF DALLAS COUNTY JUL 30, 1971(R) MAY 3, 1990 48044211 MEXIA, CITY OF LIMESTONE COUNTY AUG 1, 1980(R) AUG I, 1980 480477# MIDLAND, CITY OF MIDLAND COUNTY SEP 27, 1991(R) SEP 27,
1991 480801A MIDLOTHIAH, CITY OF ELl!S COUNTY SEP 4, 1985(R) SEP 4, 1985(M) 480935 MILLS COUNTY MILLS COUNTY APR 28, 1992 480517# MINERAL IlELLS, CITY OF PALO PINTO COUNTY DEC I, 1977(R)
MAY 17, 1990 PARKER COUNTY 481578# MISSION BEND M.U.D. III FORT BEND COUNTY SEP 4, 1987(R) SEP 4, 1987 HARR! S COUNTY 480345# MISSION, CITY OF HIDALGO COUNTY AUG 15, '1979(R) NOV 20,
1991 480304# MISSOURI CITY, CITY OF FORT BEND COUNTY JAN 6, 1982(R) DEC 17, 1987 HARRIS COUNTY 4B0937# MITCHELL COUNTY· MITCHELL COUNTY MAY 15, 1985(R) MAY 15, 1985(M) 480644A MONAHANS,
CITY OF 􀁾􀁁􀁒􀁄􀀠COUNTY FEB I, 1988(R) FEB I, 1988(L) 480122# MONT BELVIEU, CITY OF CHAMBERS COUNTY AUG 16, 1982(R) AUG 16, 1982 48093911 MONTAGUE COUNTY" MONT AGUE COUNTY JAN 17, 1991(R)
JAN 17, 1991 480483# MONTGOMERY COUNTY" MONTGOMERY COUNTY AUG I, 1984(R) APR 2, 1991 480305# MORGANS POINT, CITY OF HARRIS COUNTY DEC I, 1983(R) SEP 28, 1990 480127# MORTON, CITY OF
COCHRAN COUNTY AUG 3, 1982(R) AUG 3, 1982(M) 4804339 MOULTON,TOWN OF LAVACA COUNTY MAR 4, 1986(R) MAR 4, 1984(M) 480621# MOUNT PLEASANT, CITY OF TlTUS COUNTY DEC 16, 1980(R) DEC 16,
1980 (R) • INDICATES ENTRY IN REGULAR PROGRAM NSFHA . NO SPECIAL FLOOD HAZARD AREA . ALL ZONE C > • DATE OF CURRENT EFFECTIVE MAP IS AFTER THE DATE OF THIS REPORT " . UNINCORPORATED
AREAS ONLY 
COIOOJNITY NUMBER 480821A 480767A 480019fi 4803301# 480137# 480947# 48049711 480494# 4800588 '485491# 481112# 480265# 485492# 480820# 480059fi 485493# 481113A 48049911 481114 480482#
481240# 480032# 481297# 480436# 480607# 481115A 480782 485494# 481639 481560# 48055811 480206#48068611 480896A 480510# 480395 480512# 􀁆􀁅􀁄􀁅􀁾􀁌􀀠EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADMINISTRATION COMMUNITIES PARTICIPATING IN THE MATIONAL FLOOD INSURANCE PROGRAM AS
OF MAY 8, 1992 TEXAS DATE OF ENTRY EMERGENCY OR COMMIJN ITY NAME REGULAR PROS. MOUNT VERNON, CITY OF FRANKLIN COUNTY JUN 19, 1985(R) MUENSTER, CITY OF COOKE COUNTY JUN 5, 1985(R) MULESHOE,
CITY OF BAILEY COUNTY OCT 17, 1989(RJ MURCHISON, CITY OF HENDERSOM COUNTY HAY 18, 1982(R) ,MURPHY, CITY OF COLLIN COUNTY APR I, 1980(R) NACOGDOCHES COUNTY" NACOGDOCHES COUNTY MAR I,
1991(R) NACOGDOCHES, CITY OF NACOGDOCHES COUNn FEB 18, 1981(R) NAPLES, CITY OF MORR I S COUNTY NOV 21, 1978(R) NASH, CITY OF BOWl E COUNTY JUN 21, 1977(RJ NASSAU BAY, CITY OF HARRIS
COUNTY NOV 13, 1970(R) NATALIA, CITY OF MEDINA COUNTY APR IS, 1980(R) NAVASOTA, CITY OF GRIMES COUNTY FEB 4, 1988(R) NEDERLAND, CITY OF JEFFERSON COUNTY NOV 13, 197G{R) NEEDVILLE, CITY
OF FORT SEND COUNTY JUL 31, 1981(R) 􀁎􀁅􀁾􀀠BOSTON, CITY OF BOWl E COUNTY NOV 21, 1978(RJ NEY BRAUNFELS, CITY OF CONAL COUNTY DEC 1, 1972{R) GUADALUPE 'COUNTY NEW LONDON, CITY OF RUSK
COUNTY JUN 19, 1985(R) NEWTON COUNTY· NEWTON COUNTY APR 1, 1987(R) NIXON, CITY OF GONZALES COUNTY AUG 26, 1977(R) NOCONA, CiTY OF MONTAGUE COUNTY NOV 21, 1978(R) NOLAN COUNTY· NOLAN
COUNTY AUG 2, 1990(R) NOLANVILLE, CITY OF BELL COUNTY JUN 1, 1981(R) NOME, CITY OF JEFFERSON COUNTY APR 16, 1990(R) NORMANGEE, CITY OF LEON COUNTY JUL 6, 1982(R) NORTH RICHLAND HILLS,
CITY TARRANT COUNTY APR 1, 1981(R) NORTHCREST, TOWN OF MCLENNAN COUNTY AUG 19, 1985(R) NORTHLAKE, TOWN OF DENTON COUNTY APR 16, 1990 NUECES COUNTY" NUECES COUNTY SEP 22, 1972(R) OAK
POINT, CITY OF DENTON COUNTY JUN 24, 1991(R) USE THE DENTON COUNTY (480774) FIRM. OAK RIDGE NORTH, CITY OF MONTGOMERY COUNTY DEC 18, 1984(R) COEM, CITY OF SAN PATRICIO COUNTY JUL 16,
1981(R) OOESSA, CITY OF ECTOR COUNTY MAR 4, 1991(R) OLNEY, CITY OF YOUNG COUNTY DEC 4, 1985(R) OLTON, CITY OF LAMB COUNTY FEB 1, 1991(R) OPDYKE YEST, TOYN OF HOCKLEY COUNTY APR 14, 1988
USE THE HOCKLEY COUNTY (480352) FH8M. ORANGE COUNTY" ORANGE COUNTY JAN 6,' 1983(R) ORANGE GROVE, CITY OF JIM YELLS COUNTY MAR 30, 1979(R) ORANGE, CITY OF ORANGE COUNTY JAN 6, 1983(R)
PAGE 16 DATE OF CURRENT EFFECTIVE MAP (OR MAP INDEX) JUN 19, 1985(M) JUN 5, 1985(M) OCT 17, 1989 SEP.27, 1991 SEP '4, 1991 MAR 1, 1991( L) FEB 18, 1981 NOV 21, 1978(M) JUN 21, 1977(")
SEP 28, 1990 APR 15, 1980 FEB 4, 1988 JUN 3, 1991 MAR 4, 1987 NOV 21, 1978(M) MAY IS, 1991 JUN 19, 1985(M) APR 1, 1987(L) (NSFHAJ JAN 17, 1991 AUG 2, 1990 JUN 1, 1981 FEB 2, 1983 JUL
6, 1982(M) DEC 16, 1988 AUG 19, 1985(") MAY 4, 1992 FEB 19, 1992 DEC 14, 1982 SEP 27, 1991 JAN 2, 1991 FEB 1, 1991(L) JAN 6, 1983 (NSFHA) JAN 6, 1983 (R) INDICATES ENTRY IN REGULAR PROGRAM
NSFHA • NO SPECIAL FLOCO HAZARD AREA • ALL ZONE C > • DATE OF CURRENT EFFECTIVE MAP IS AFTER THE DATE OF THIS REPORT " • UNINCORPORATED AREAS ONLY ALL OTHER CODES OR SYMBOLS ARE EXPLAINED
ON PAGE 2 OF THIS BOOK 481611 
FEDERAl EMERGENCY MANAGEMENT AGENCY FEDERAl INSURANCE ADMINISTRATION COMMUNITIES PARTICIPATING IN THE NATIONAL FLOOD INSURANCE PROGRAM AS OF MAY 8, 1992 TEXAS DATE OF ENTRY COMMUNITY
EMERGENCY OR NUMBER COMMUNITY NAME REGUlAR PROG. 481038A ORE CITY, CITY OF UPSHUR COUNTY SEP 14, 1982(R) 481155# OVillA, CITY OF DALLAS COUNTY APR 15, 1980(R) ELLI S COUNTY 481255# OYSTER
CREEK, VILLAGE OF BRAZORIA COUNTY NOV 19, 1976(R) 480771 PADUCAH, CITY OF COTTLE COUNTY AUG 24, 1981.(R) 485495# PALACIOS, CITY OF MATAGORDA COUNTY NOV 17, 1970(R) 480004# PALESTINE,
CITY OF ANDERSON COUNTY FEB 18, 1981(R) 481580 PALM VALLEY, TOWN OF CAMERON COUNTY SEP 8, 1982(R) USE THE CITY OF HARLINGEN (485477) FIRM 480209A PALMER, CITY OF ELL! S COUNTY JUN I,
1990(R) 480516# PALO PINTO COUNTY· PALO PINTO COUNTY DEC 19, 1984(R) 480258B PAMPA.. CITY OF GRAY COUNTY SEP 1, 1987(R) 480n7# PANHANDLE, TOWN OF CARSON COUNTY MAY II, 􀀱􀀹􀀸􀀲􀀨􀁾􀀩􀀠48126:5#
PANORAMA VillAGE, CITY OF MONTGOMERY COUNTY AUG 1, 1984(R) 481116# PANTEGO. TOWN OF TARRANT COUNTY JUL 16, 1980(R) 480427# PARIS, CITY OF lAMAR COUNTY DEC IS, 1983(R) 480520# PARKER
COUNTY" . PARKER COUNTY SEP 27, 1991(R) 480139# PARKER, CITY OF COLliN COUNTY AUG 15, 1979(8) 480:507# PASADENA, CITY OF HARR IS COUNTY MAY 26, 1970(R) 480486# PATTON VilLAGE, VILlAGE
OF MONTGOMERY COUNTY APR 15, 1985(R) 480077# PEARlAND, CITY OF BRAZOR I A COUNTY JUL 5, 1984CR) HARRIS COUNTY 480238# PEARSAll, CITY OF FRIO COUNTY MAY 19, 1981(R) 481486# PECAN GROVE
M.U.D. FORT BEND COUNTY AUG 4, 1987(R) 4805388 PECOS, CITY OF REEVES COUNTY JUN 19, 1985(R) 480745# PETROLIA, CITY OF ClAY COUNTY APR 2, 1991(R) 481028# PFLUGERVillE, CITY OF TRAVIS
COUNTY MAY 1, 1978(R) 480347# PHARR, CITY OF HIDAlGO COUNTY JUL 16, 1979(R) 480697# PINE FOREST, CITY OF ORANGE COUNTY FEB 16, 1983(R) 480513# PINEHURST, CITY OF ORANGE COUNTY JAN 6,
1983(R) 480998A PINELAND, TOWN OF SABINE COUNTY JUN 1, 1988(R) 480308# PINEY POINT VILLAGE, CITY 0 HARRIS COUNTY DEC 2, 1980(R) 4801168 PITTSBURG, CITY OF CAMP COUNTY JUN 19, 1985(R)
480683B PlAINS,CITY OF YOAKUM COUNTY AUG 1, 1987(R) 480275# PLAINVIEW, CITY OF HALE COUNTY MAR 16, 1989(R) 480140# PlANO,· CITY OF COLliN COUNTY JAN 2, 1980(R) 481615 PLEAK,VILlAGE OF
FORT BEND COUNTY MAY 31, 1988(R) use THE FORT BEND COUNTY (480228) FIRM 480661# PlEASANT VALLEY, CITY OF IIICHITA COUNTY JAN 6, 1983(R) 480015# PLEASANTON, CITY OF ATASCOSA COUNTY APR
1, 1981(R) 481269# PLUM GROVE,CITY OF LIBERTY COUNTY JUL 16, 1987(R) PAGE 17 DATE OF CURRENT EFFECTIVE MAP (OR MAP INDEX) SEP 14, 1982(M) JAN 6, 1988 MAY 4, 1992 (NSFHA) FEB 5, 1986
MAR 1, 1984 JUN 1, 1990(L) AUG 2, 1990 SEP 1, 1987(L) HAY 11, 1982(H) AUG 1, .1984 JUL 16. 1980 DEC 15, 1983 SEP 27, 1991 SEP 4, 1991 SEP 28, 1990 AUG 1, 1984 MAY 4, 1992 MAY 19, 1981
AUG 4, 1987 JUN 19, 1985(M) APR 2, 1991 MAY 1, 1978 OCT 19, 1982 FEB 16, 1983 JAN 6, 1983 JUN 1, 1988(L) SEP 28, 1990 JUN 19, 1985(M) AUG 1, 1987(L) JUN 18, 1990 SEP 4, 1991 JAN 6, 1983
APR 1, 1981 JUL 16, 1987 (R) -INDICATES ENTRY IN REGULAR PROGRAM NSFHA -NO SPECIAL FLOOD HAZARD AREA -ALL ZONE C > -DATE DATE OF CURRENT EFFECTIVE MAP IS AfTER THE DATE OF THIS REPORT
* -UNINCORPORATED AREAS ONLY ALL OTHER COOES OR SYMBOLS ARE EXPLAINED ON PAGE 2 OF THIS BooK 
FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADMINISTRATION PAGE 18 COMMUNITIES PARTICIPATING IN THE NATIOHAL FLOOD INSURANCE PROGRAM AS OF MAY 8, 1992 TEXAS DATE OF DATE OF
ENTRY CURRENT COMMUNITY EMERGENCY OR EFFECTIVE MAP NUMBER COMMUNITY NAME REGULAR PROG. (OR HAP INDEX) 48009811 POINT COMFORT, CITY OF CALHOUN COUNTY APR 15, 1982(R) APR 3, 1985 481156A
POINT. CITY OF RAINS COUNTY APR 17, 1985(R) APR 17, 1985(M) 480526# POLK COUNTY" POLK COUNTY MAR 1, 1991(R) MAR 1, 1991(L) 48549811 PORT ARANSAS, CiTY OF NUECES COUNTY JUN 25, 1971(R)
MAR 18, 1985 485499# PORT ARTHUR, CITY OF JEFFERSON COUNTY NOV 13, 1970(R) MAY 4, 1992 480109# PORT ISABEL, CITY OF CAMERON COUNTY OCT 6, 1976(R) JUN 1, 1983 48009911 PORT lAVACA, CITY
OF CALHOUN COUNTY AUG 27, 1971(R) MAR 4, 1985 485500# PORT NECHES, CITY OF JEFFERSON COUNTY NOV 13, 1970(R) JAN 6, 1983 480559# PORTLAND, CITY OF SAN PATRICIO COUNTY JUL 3, 1985(R) JUL
3, 1985 480251B POST, CITY OF GARZA COUNTY NOV 1, 1985(R) NOV 1, 1985(H) 480016# POTEET, CITY OF ATASCOSA COUNTY NOV 3, 19B9(R) NOV 3, 1989 48OSn# POTH, CITY OF WILSON COUNTY DEC 1,
1977(R) DEC 1, 1977 48154411 PRAIRIE VIEW, TOWN OF WALLER COUNTY APR 8, 1987(R) APR IS, 1982 4803968 PREMONT, CITY OF JIM WELLS COUNTY SEP 1, 1987(R) SEP '1, 1987(L) 48053011 PRESIDIO
COUNTY" PRES!DIO COUNTY JUL 3, 1985(R) JUL 3, 1985(M) 481198 PRIMERA, TOWN OF CAMERON COUNTY OCT 29, 1982(R) (NSFHA) 480757# PRINCETON, CITY OF COLLIN COUNTY MAR 16, 19S8(R) SEP 4, 1991
480141# PROSPER, TOWN OF COLLIN COUNTY MAY 4, 1982(R) SEP 4, 1991(M) 480283B QUANAH, CITY OF HARDEMAN COUNTY AUG 24, 1982(R) AUG 24, 1982(M) 481301# QUINTANA, VILLAGE OF BRAZORIA COUNTY
MAY 8, 1971CR) MAY 4, 1992 480161 RALLS, CITY OF CROSBY COUNTY , APR 15, 1982(R) (NSFHA) 480532# RANOALl COUNTY" RANDALL COUNTY SEP 30, 1982(R) SE? 30, 1982 480666# RAYNONDVllLE, CITY
OF WILLACY COUNTY MAY 5, 1981(R) JAN 5, 1989 48097811 REAL COUNTY" REAL COUNTY JUN 5, 1985(R) JUN 5, 1985(M) 485501# REFUGIO COUNTY" REFUGIO COUNTY OCT 22, 1971 (R) MAR 18, 1985 480540#
REFUGIO, TOWN OF REFUGIO COUNTY OCT 6, 1976(R) APR 1, 1982 481254A RENO, CITY OF LAHAR COUNTY SEP 28, 1982(R) SEP 28, 1982(M) 480184# RICHARDSON, CITY OF COLL!N COUNTY DEC 4, 1979(R)
JUL 2, 1991 DALLAS COUNTY 48060811 RICHLAND HILLS, CITY OF TARRANT COUNTY FEB 16, 1977(R) JUL 3, 1985 480231# RICHMOND, CITY OF FORT SEND COUNTY JAN 9, 1987(R) AUG 4, 1987 485502# RICHWOOD,
CITY OF BRAZORIA COUNTY JUL 28, 1972(R) MAY 4, 1992 480112# RIO HONOO, TOWN OF CAMERON COUNTY JUN 1, 1981(R) JUN 1, 1981 48115911 RIO VISTA, VILLAGE OF JOHNSON COUNTY SEP 27, 1991(R)
(NSFHA) 480609# RIVER OAKS, CITY OF TARRANT COUNTY JUN 19, 1985(R) JUN 19, 1985 480785 ROANOKE, CITY OF DENTON COUNTY MAR 14, 1991 SEP 5, 1975 480496B ROARING SPRINGS, CITY OF MOTLEY
COUNTY AUG 1, 1987(R) AUG 1, 1987(L) 480460# ROBlNSON, CITY OF MCLENNAN COUNTY JAN 17, 1979(R) JAN 17, 1979 48550311 ROBSTONN, ClTY OF NUECES COUNTY JUL 9, 1971(R) MAY 1, 1985 4804798
ROCKDALE, CITY Of MILAM COUNTY FEB 27, 1984(R) FEB 27, 1984(M) 485504# ROCKPORT, CITY OF ARANSAS COUNTY JUL 2, 1971(1971(R) MAR 4, 1985 (R) INDICATES ENTRY IN REGULAR PROGRAM NSFHA .
NO SPECIAL FLOOD HAZARD AREA • ALL ZONE C > • DATE OF CURRENT EFFECTIVE MAP IS AFTER THE DATE OF THIS REPORT. " • UNINCORPORATED AREAS ONLY ALL OTHER CODES OR SYMBOLS ARE EXPLAINED ON
PAGE 2 OF TH!S BOOK 
,EO,RAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADMINISTRATION PAGE 19 COMMUNITIES PARTICIPATING IN THE NATIONAL FLOOD INSURANCE PROGRAM AS OF MAY 8, 1992 TEXAS DATE OF DATE OF
ENTRY CURRENT COMMUNITY EMERGENCY OR EFFECTIVE MAP NUM9ER COMMUN ITY NAME REGULAR PROG. (OR MAP INDEX) 481118A ROCKSPRINGS, TOWN OF EDWARDS COUNTY FEB I, 1991(R) FEB I, 1991(L) 480547'
ROCKWALL, CITY OF ROCKWAll COUNTY JUL 16, 1980(R) JUL 16, 1980 48070811 ROGERS, CITY OF BELL COUNTY SEP 30, 1981(R) SEP 30, 1981 4810291 􀁒􀁏􀁌􀁌􀁉􀁎􀁇􀁾􀀬􀀠CITY OF TRAVIS COUNTY SEP
29, 1978(R) SEP 29, 1978 48153811 ROMAN FOREST, TOWN OF MONTGOMERY COUNTY AUG I, 1984(R) AUG 1, 1984 48155811 ROSCOE, CITY OF NOLAN COUNTY SEP 3D, 1988(R) SEP 30, 1988 480846f ROSE HILL
ACRES, CITY OF HARDIN COUNTY APR IS, 1971(Rl APR IS, 1971 450232' ROSENBERG, CITY OF FORT BEND COUNTY DEC 4, 1984(R) MAY 17, 1990 4802248 ROTAN, CITY OF FISHER COUNTY AUG I, 1987(R)
AUG 1, 1987(L) 48104811 ROUND ROCK, CITY OF WILLIAMSON COUNTY SEP 27, 1991(Rl SEP 27, 1991 480185# ROWLETT, CITY OF DALLAS COUNTY SEP I, 1978(R) SEP " 1978 ROCKWELL COUNTY 480428B ROXTON,
CITY OF LAMAR COUNTY JAN 2, 1979(R) JAN 2, 1979(M) 480548# ROYSE CITY, CITY OF COLLIN COUNTY JUL 16, 1980(Rl JUL 16, 1980 ROCKWALL COUNTY 48161811 RUNAWAY BAY, CITY OF WIse COUNTY MAY
10, 1990(R) MAR 19, 1990 481120A RUNGE, TOWN OF KARNES COUNTY DEC 1, 1989(R) DEC 1, 1989(L) 480993# RUSK COUNTY RUSK COUNTY SEP 27, 1991(Rl SEP 27, 1991 4801248 RUSK, CITY OF CHEROXEE
COUNTY JUN 1, 1988(Rl JUN 1, 1988(L) 480186# SACHSE, CITY OF COLLIN COUNTY SEP 1, 1978(Rl SEP 1, 1978 DALLAS COUNTY 480610# SAGINAW, CITY OF TARRANT COUNTY SEP 17, 1980(R) SEP 17, 1980
480940# SAINT JO, CITY OF MONTAGUE COUNTY MAY,25, 1978(R) (NSFHAl 480623# SAN ANGELO, CITY OF TOM GREEN COUNTY MAY 16, 1971(R) APR 13, 1982 480045# SAN ANTONIO, CITY OF BEXAR COUNTY
DEC 15, 1983(R) Jut 2, 1991 481183# SAN AUGUSTINE COUNTY· SAN AUGUSTINE COUNTY AUG t, 1988(R) AUG 1, 1988(L) 480552B SAN AUGUSTINE, CITY OF SAN AUGUSTINE COUNTY OCT 19, 1982(R) OCT 19,
1982(M) 480113# SAN BENITO, CITY OF CAMERON COUNTY MAY 5, 1981(R) JAN 19, 1982 481199A SAN DIEGO,CITY OF DUVAL COUNTY MAR 1, 1987(Rl MAR 1, 1987(L) 480705# SAN FELIPE, TOWN OF AUSTIN
COUNTY JAN 3, 1986(R) JAN 17, 1990 480553# SAN JACINTO COUNTY· SAN JACINTO COUNTY SEP 1, 1987(R) SEP I, 1987!Ll 480348 SAN JUAN, CITY OF HIDALGO COUNTY JUl 21, 1978(R) (NSF"A) 481305#
SAN LEANNA, CITY OF TRAVIS COUNTY MAR 11, 1980(R) SEP 5, 1980 485505# SAN MARCOS, CITY OF HAYS COUNTY AUG 27, 1971(R) SEP 5, 1990 48550611 SAN PArRICIO COUNTY' SAN PATRICIO COUNTY NOV
26, 1971(Rl MAR 18, 1985 48066711 SAN PERLITA, CITY OF WI LLACY COUNTY MAY 5, 1981(R) MAY 5, 1981 48118411 SAN SABA COUNTY· SAN SASA COUNTY MAY 1, 1987(R) JUL 2, 1991 48056311 SAN SABA,
CITY OF SAN SABA COUNTY JUN I, 1988(R) JUL 2, 1991 4812B5B SANCTUARY, CITY OF PARKER COUNTY NOV· I, 1989(R) NOV 1, 1989(L) 480786# SANGER, CITY OF DENTON COUNTY APR 24, 1979(Rl FEB 2,
1990 481562# SANTA FE, CITY OF GALVESTON COUNTY APR 9, 1971(R) OCT 18, 1983 (Rl INDICATES ENTRY IN REGULAR PROGRAM NSFHA NSFHA • NO SPECIAL FLOOD HAZARD AREA • ALL ZONE C > • DATE OF
CURRENT EfFECTIVE MAP IS AFTER THE DATE OF THIS REPORT •• UNINCORPORATED AREAS ONLY 
fEDERAL EMERGENCY MANAGEMENT AGENCY' fEDERAL INSURANCE ADMINISTRATION PAGE 20 COMMUNITIES PARTICIPATING IN THE NATIONAL fLOOD INSURANCE PROGRAM AS Of MAY 8, 1992 TEXAS DATE OF DATE Of
ENTRY CURRENT COMMUNITY EMERGENCY OR EFFECTIVE HAP NUMBER COMMUN lTY NAME REGULAR PROG. (OR HAP INDEX) 480114# SANTA ROSA, CITY Of CAMERON COUNTY MAY 5, 198HR) HAY 5, 1981 480813 SAVOY,
CITY OF FANNIN COUNTY AUG 26, 1977(R) (NSFHA) 480269# SCHERTZ, CITY Of BEXAR COUNTY SEP IS, 1977(R) SEP 15, 1977 COKAL COUNTY GUADALUPE COUNTY 485507# SEABROOK, CITY OF HARR I S COUNTY
APR Zl, 1971(R) HAR I, 1984 480100# SEADRIFT, CITY aF CALHOUN COUNTY DEC 4, 1970(R) MAR 18, 1985 480187# SEAGOVILLE, CITY OF DALLAS COUNTY JUN 15, 1981(R) JUH IS, 1981 480Zl9A SEAGRAVES,
CITY OF GAINES COUNTY fEB 19, 1986(R) FEB 19, 1986(M) 480017# SEALY, CITY OF AUSTIN COUNTY JAN 17, 199O(R) JAN 17, 1990 485508# S,EGUIN, CITY OF GUADALUPE COUNTY JUN 18, 1971 (R) DEC
30, 1980 480046# SELMA, CITY OF BEXAR COUNTY JUl 2, 1980(R) JUL 2, 1980 480240B SEMINOlE,CITY OF GAINES COUNTY AUG I, 1987CR) AUG I, 1987(L) 4800256 SEYMOUR, CITY OF BAYLOR COUNTY OCT
15, 1985(R) OCT IS, 1985(H) 481002# SHACKELFORO COUNTY SHACKELfORD COUNTY JUN 19, 1985(R) JUN 19, 1985(M) 481135# SHADY SHORES, CITY OF DENTON COUNTY HAY 11, 1982(R) APR IS, 1986(H)
480047# SHAVANO PARK, TOWN OF BEXAR COUNTY SEP 3, 1980(R) SEP 3, 1980 481256 SHENANDOAH, TOWN OF MONTGOMERY COUNTY HAY 26, 1978(R) (NSFHA) 480554# SHEPHERO, CITY OF SAN JACINTO COUNTY
MAY 18, 1982(R) MAY 18, 1982(H) 485509# SHERMAN, CITY OF GRAYSON COUNTY JUN 4, 1971(R) APR 19, 1983 481136A SHINER, CITY OF LAVACA COUNTY JUL 18, 1985(R) JUL 18, 1985(H) 485510# SHOREACRES,
CITY OF HARRIS COUNTY NOV 20, 1970(R) SEP 28, 1990 480285# SILSBEE, CITY OF HARDIN COUNTY MAY I, 1978(R) MAY I, 1978 481,564# SIMONTON, VILLAGE OF FORT BEND COUNTY AUG 4, 1987(R) AUG
4, 1987 485511# SINTON, CITY OF SAN PATRICIO COUNTY HAR 26, 1971(R) JUL 16, 1981 480453# SLATON, CITY Of LUBBOCK COUNTY AUG 3, 1982(R) AUG 3, 1982(M) 480024# SMITHVILLE, CITY Of BASTROP
COUNTY JAN 16, 1979(R) AUG 19, 1991 481001# SNYDER, CITY OF SCURRY COUNTY FEB 4, 1931(R) fEB 4, 1981 481186# SOMERVELL COUNTY· SOMERVELL COUNTY AUG 4, 1987(R) AUG 4, 1987(H) 480091#
SOMERVILLE, CITY OF BURLESON COUNTY JUN 4, 199O(R) JUN 4, 1990 480580# SONORA, CITY OF SUTTON COUNTY FEB 17, 1989(R) fEB 17, 1989 480286 SOUR LAKE, CITY OF HARDIN COUNTY OCT 28, 1977(R)
(NSFHA) 480311# SOUTH HOUSTON,CITY OF HARRIS COUNTY MAR 18, 1987(R) SEP 28, 1990 480612# SOUTH LAKE, CITY OF TARRANT COUNTY JUL 5, 1982(R) JUL 5, 1982 480115# SOUTH PADRE ISLAND, TOWN
OF CAMERON COUNTY SEP 15, 19S3(R) MAY 4, 1992 480312 SOUTHSIDE PLACE, CITY OF HARRIS COUNTY FEB 11, 1976(R) (NSfHA) 480282# SPEARMAN, CITY OF HANSFORD COUNTY SEP 4, 1987(R) SEP 4, 1987
480488# SPLENDORA, CITY OF MONTGOMERY COUNTY FEB 27, 1987(R) AUG I, 1984 480313# SPRlqG VALLEY, CITY Of HARRIS COUNTY JUN 4, 1980(R) SEP 28, 1990 480521# SPRINGTOWN, CITY OF PARKER COUNTY
DEC 18, 1985(R) DEC 18, 1985 480233# STAFFORD, CITY OF FORT BEND COUNTY HAR I, 1982(R) MAR I, 1982 (R) • INDICATES ENTRY IN REGULAR PROGRAM NSFHA • NO SPECIAL FLOOD HAZARD AREA • ALL
ZONE C > • DATE OF CURRENT EFFECTIVE MAP IS AFTER THE DATE Of THIS REPORT •• UNINCORPORATED AREAS ONLY ALL OTHER CODES OR SYMBOLS ARE EXPLAINED ON PAGE 2 OF THIS BOOK 
CQ!MUNlTY NUMBER 481296# 480403 4804668 480575# 481244# 480220# 480579B 480673# 481l965A 480234# 480358# 480355C 48018811 480492B 481531# 481127# 481266# 481247# 485512# 480502# 481010B
480454C 480582# 480995A 481014# 485513# 480670# 480236 480034# 481006A 480619# 480048# 480416# 480060# 485514# 481581# 481642 481632# 485515D 480693# 481585# FEDERAL EMERGENCY MANAGEMENT
AGENCY FEDERAL INSURANCE ADMINISTRATION COMMUNITIES PARTICIPATING IN THE NATIONAL FLOOD INSURANCE PROGRAM AS OF MAY 8, 1992 TEXAS DATE OF ENTRY EMERGENCY OR COMMUNITY NAME REGULAR PROG.
STAGECOACH, TOWN OF MONTGOMERY COUNTY MAY I, 1986(R) STAMfORD, CITY OF JONES COUNTY MAY 25, 1978(R) STANTON, CITY OF MARTIN COUNTY JUN I, 1988(R) STARR COUNTY' STARR COUNTY JUL 1, 1987(R)
STEPHENS COUNTY' STEPHENS COUNTY JAN 2, 1991(R) STEPHENVILLE, CITY OF ERATH COUNTY JUL 5, 1977(R) STERLING CITY, TOWN OF STERLING COUNTY AUG I, 1987(R) STOCKDALE, CITY OF WILSON COUNTY
MAR I, 1978(R) STRAWN, CITY OF PALO PINTO COUNTY NOV I, 1989(R) SUGAR LAND, CITY OF FORT BEND COUNTY NOV 4, 1981(R) SULPHUR SPRINGS, CITY OF HOPK INS COUNTY DEC 15, 1989(R) SUNDOWlI,CITY
OF HOCKLEY COUNTY AUG 1; 1987(R) SUNNYVALE, TOWN OF DALLAS COUNTY FEB I, 1980(R) SUNRAY, CITY OF MOORE COUNTY JAN 3, 1986(R) SUNRISE BEACH VILLAGE, CITY LLANO COUNTY SEP 27, 1991(R)
SUNSET VALLEY, CITY OF TRAVIS COUNTY· MAR 1, 1979(R) SURFSIDE BEACH, VILLAGE OF BRAZORIA COUNTY JUN 10, 1977(R) SUTTON COUNTY* SUTTON COUNTY SEP 1, 1987(R) SWEENY, CITY OF BRAZORIA COUNTY
DEC 17, 197HR) SWEETWATER, CITY OF NOLAN COUNTY MAY 5, 1981(R) SWISHER COUNTY' SWISHER COUNTY JUL I, 1987(R) TAHOXA, CITY OF LYNN COUNTY OCT IS, 1985(R) TARRANT COUNTY' TARRANT COUNTY
AUG 4, 1987(R) TATUM, CITY OF RUSK COUNTY APR 17, 1985(R) TAYLOR COUNTY· TAYLOR COUNTY JUN I, 1987(R) TAYLOR LAKE VILLAGE, CITY 0 HARRIS COUNTY NOV 13, 1970(R) TAYLOR, CITY OF WILLIAMSON
COUNTY MAR I, 1982(R) TEAGUE, CITY OF FREESTONE COUNTY OCT 28, 1977(R) TEMPLE, CITY OF BELL COUNTY JAN 19, 1983(R) TENEHA, ClTY OF SHELBY COUNTY JUL 3, 1985(R) TERRELL COUNTY" TERRELL
COUNTY SEP I, 1987(R) TERRELL HILLS, CITY OF BEXAR COUNTY JAN 16, 1981( R) TERRELL, CITY OF KAUFMAN COUNTY SEP 3D, 1980(R) TEXARKANA, CITY OF BOWIE COUNTY MAR I, 1979(R) TEXAS CITY,
CITY OF GALVESTON COUNTY NOV 20, 1970(R) THE COLONY, CITY OF DENTON COUNTY SEP 29, 1986(R) THOMPSONS, TOWN OF FORT BEND COUNTY JAN 29, 1992 THRALL, CITY OF WILLIAMSON COUNTY SEP 27,
1991(R) THREE RIVERS, CITY OF LIVE OAK COUNTY JUN 18, 1971(R) THROCKMORTON, CITY OF THROCKMORTON COUNTY APR 15, 1977(R) TIKI ISLAND, VILLAGE OF GALVESTON COUNTY APR 9, 1971(R) PAGE 21
DATE OF CURRENT EFFECTIVE MAP (OR MAP INDEX) SEP 5, 1984 (NSFHAl JUN I, 1988(L) ·JUL 1, 1987(L) JAN 2, 1991 JUL 16, 1991 AUG 1, 1987(L) MAR I, 1978 NOV 1, 1989(L) OCT '16, 1987 OEC 15,
1989 AUG I, 1987(L) FEB I, 1980 JAN 3, 1986(M) SSP 27, 1991 MAR 1, 1979 MAY 4, 1992 SEP 1, 1987(L) MAY 4, 1992 JUN 19, 1989 JUL 1, 1987(L) OCT 15, 1985(M) AUG 4, 1987 APR 17, 1985(M)
JUN I, 1987(L) SSP 28, 1990 SEP 27, 1991 (NSFHA) JAN 3, 1985 JUL 3, 1985(") SEP 1, 1987(L) JAN 16, 1981 SEP 30, 1980 MAR I, 1979 MAY 4, 1992 SEP 29, 1986 SEP 27, 1991 JUL 5, 1984 APR
15, 1977 NOV 1, 1985 (R) -INOICATES ENTRY IN REGULAR PROGRAM NSFHA -NO SPECIAL FLOOD HAZARD AREA -ALL ZONE C > -DATE OF CURRENT EFFECTIVE MAP IS AFTER THE DATE OF THIS REPORT • -UNINCORPORATED
AREAS ONLY ALL OTHER COOES OR SYMBOLS ARE EXPLAINED ON PAGE 2 OF THIS BOOK 
FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADMINISTRATION PAGE 22 COMMUNITIES PARTICIPATING IN THE NATIONAL FLOCO INSURANCE PROGRAM AS OF MAY 8, 1992 TEXAS DATE OF DATE OF
ENTRY CURRENT COMMUNITY EMERGENCY OR EFFECTIVE MAP NUMBER COMMUN ITY NAME REGULAR PROG. (OR MAP INDEX) 485518# TIMBERCREEK CANYON, VILLAGE RANDALL COUNTY JAN 26, 1984(R) JUL 18, 1985
481007 TIMPSON, CITY OF SHELBY COUNTY JAN 26, 1983(R) (NSFHA) 480622# TOM GREEN COUNTY" TOM GREEN COUNTY JUN 19, 1978 MAR 14, 1978 480315# TOMBALL, CITY OF HARRIS COUNTY DEC 18, 1984(R)
SEP 28, 1990 480539A TOYAH, CITY OF REEVES COUNTY AUG 1, 1987(R) . AUG 1, 1987(l) 481026# TRAVIS COUNTY· TRAVIS COUNTY APR 1, 1982!R) JAN 2, 1987 48D814A TRENTON, CITY OF FANNIN COUNTY
JUN 19, 1985(R) JUN 19, 1985(M) 480333# TRINIDAD, CITY OF HENDERSON COUNTY JAN 16, 1979(R) SEP 27, 1991 481033A 􀁔􀁒􀁾􀁎􀁉􀁔􀁙,CITY OF TRINITY COUNTY HAR 1, 1987(R) MAR 1, 1987(L) 481606#
TROPHY CLUB, TOWN OF DENTON COUNTY JUN 12, 1987(R) AUG 3, 1989 480570A TROUP, CITY 0,. SH IT H COUNTY JAN 23, 1979(R) JAN 23, 1979(H) 480709# TROY, CITY OF BELL COUNTY JUN I, 1981(R)
JUN 1, 1981 480581B TULIA, CITY OF SWISHER COUNTY MAR I, 1988(R) MAR I, 1988(L) 480280B TURKEY, CITY OF HALL COUNTY FEB 15, 1985(R) FEB IS, 1985(M) 481017A TUSCOLA, TOWN OF TAYLOR COUNTY
NOV 1, 1989(R) NOV 1, 1989(L) 481034# TYLER COUNTY" TYLER COUNTY OCT 1, 1991(R) OCT 1, 1991(L) 480571# TYLER, CITY OF SH IT HCOUNTY AUG 1, 1980(R) FEB 19, 1992 481559 UNCERTAIN, TOWN
OF HARRISON COUNTY AUG 21, 1979(R) (NSFHA) 480049# UNIVERSAL CITY, CITY OF BEXAR COUNTY MAY 16, 1977(R) MAY 16, 1977 480189# UNIVERSITY PARK, CITY OF DALLAS COUNTY NOV IS, 1979(R) NOV
15, 1979 481036B UPSHUR COUNTY· UPSHUR COUNTY MAY 1, 1987(R) HAY 1, 1987(L) 481248 UPTON COUNTY" UPTON COUNTY JUL 23, 1991 480629# UVALDE COUNTY* UVALDE COUNTY AUG 4, 1987(R) AUG 4,
1987 480630# UVALDE, CITY OF UVALDE COUNTY MAR 15, 1982(R) SEP 29, 1986 481187# VAL VERDE COUNTY" VAL VERDE COUNTY JUN 1, 1987(R) JUN 1, 1987(L) 480054# VALLEY HILLS, CITY OF BOSQUE
COUNTY NOV 15, 197.9(R) NOV IS, 1979 4801638 VAN HORN, TOWN OF CUL8ERsON COUNTY NOV 1, 1989(R) NOV t, 1989(L) 480636# VAN, CITY OF VAM ZANDT COUNTY NOV 23, 1982(R) NOV 23, 1982(H) 48088311
VENUS, TOWN OF JOHNSON COUNTY SEP 27, 199.1(R) SEP 27, 1991 480637# VICTORIA COUNTY· VICTORIA COUNTY SEP 18 t 1987(R) MAY 17, 1990 480638# VICTORIA, CITY OF VICTORIA COUNTY Jut 23, 1971(R)
HAY 17. 1990 480514# VIDOR. CITY OF ORANGE COUNTY JAN 6, 1983(R) JAN 6, 1983 48046111 WACO, CITY OF MCLENNAN COUNTY NOV 2, 1977(R) OCT 18, 1988 480255# WAELDER, CITY OF GONZALES COUNTY
DEC 1, 1977(R) DEC 1, 1977 4800618 WAKE VILLAGE, CITY OF BOWl E COUNTY OCT 15, 1985(R) OCT 15, 1985(/1) 481042# WALKER COUNTY· WALKER COUNTY /lAY I, 1987(R) HAY I, 1987(L) 48064011 WALLER
COUNTY· WALLER COUNTY DEC 18, 1986(R) HAY 4, 1988 480641# WALLER, CITY OF WALLER COUNTY SEP 14, 1979(R) SEP 14, 1979 480018# WALLIS, CITY OF AUSTIN COUNTY OCT 24, 1978(R) JAN 17, 1990
480713A WALNUT SPRINGS, CITY OF 80SQUE COUNTY DEC 1, 1989(R) DEC 1, 1989(L) 480840A WARREN CITY, CITY OF GREGG COUNTY JUL 3, 1985(R) JUL 3, 1985(/1) (R) -INDICATES ENTRY IN REGULAR PROGRAM
NSFHA -NO SPECIAL FLOOD HAZARD AREA -ALL ZONE C • -DATE OF CURRENT EFFECTIVE HAP IS AFTER THE DATE OF THIS REPORT •• UNINCORPORATED AREAS ONLY ALL OTHER CODES OR SYMBOLS ARE EXPLAINED
ON PAGE 2 OF THIS 800K 
FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADMINISTRATION PAGE 23 COMMUNITIES PARTICIPATING IN THE NATIONAL FLOOD INSURANCE PROGRAM AS OF MAY 8, 1992 TEXAS DATE Of DATE OF
ENTRY CURRENT COMMUNITY EMERGENCY OR EFFECTIVE HAP NUMBER COMMUN ITY NAME REGULAR PROG. (OR HAP INDEX) 480613# 􀁾􀁁􀁔􀁁􀁕􀁇􀁁􀀬􀀠TOW OF TARRANT COUNTY JUN I, 1982(R) AUG IS, 1989 480211#
WAXAMACHIE, CITY Of ELLIS COUNTY AUG I, 1980(R) JUL 16, 1991 480522# WEATHERfORD, CITY Of PARKER COUNTY AUG 5, 1986(R) SEP 14, 1990 485516# 􀁾􀁅􀁂􀁓􀁔􀁅􀁒􀀬􀀠CITY Of HARRIS COUNTY HAY
19, 1972(R) SEP 28, 1990 481121# 􀁾􀁅􀁬􀁍􀁁􀁒􀀬􀀠CITY OF COLORADO COUNTY SEP I, 1987(R) JAN 3, 1990 480143. 􀁾􀁬􀁬􀁉􀁎􀁇􀁔􀁏􀁎􀀬􀀠CITY OF 􀁃􀁏􀁌􀁌􀁉􀁎􀁇􀁓􀁾􀁒􀁔􀁈􀀠COUNTY APR 3, 1989(R)
APR 3, 1989 480741A WEllS, CITY OF CHEROKEE COUNTY JUN I, 1991(R) JUN I, 1991(L) 480349# \/ESLACO, CITY Of HIDALGO COUNTY MAR 4, 1980(R) MAR 4, 1980 480081# WEST COLUMBIA, CITY OF BRAZORIA
COUNTY DEC IS, 1983(R) MAY 4, 1992 481602 \/EST KEEGANS BAYOU IMPROVEM FORT BENO COUNTY AUG 18, 1986(RJ USE THE FORT BEND COUNTY (480228) FIRM AND THE HARRIS COUNTY (480287) FIRM HARRIS
COUNTY 481030# \/EST LAKE HilLS, CITY Of TRAVIS COUNTY JUL 17, 1978(R) AUG I, 1984· 480515# \/EST ORANGE, CITY OF ORANGE COUNTY JAIl 6, 19B3(R) JAN 6, 1983 480318 􀁾􀁅􀁓􀁔􀀠UNIVERSITY
PLACE, CITY HARRIS COUNTY MAY 26, 1978(R) (NSfHAl 480615# WESTOVER HILLS, TOW OF TARRANT COUNTY JUN 5, 1985(R) JUN 5, 1985 480616# 􀁗􀁅􀁓􀁔􀁾􀁒􀁔􀁈􀀠VILLAGE, VILLAGE TARRANT COUNTY JUN
3, 1986(R) JUN 3, 1986 480652. 􀁾􀁈􀁁􀁒􀁔􀁏􀁎􀀠COUNTY· WHARTON COUNTY FEB 27, 1987(R) APR 18, 1983 480654. WHARTON, CITY Of WMARTON COUNTY SEP 16, 1982(R) SEP 16, 1982 48065711 WHEELER,
CITY OF WHEELER COUNTY JUL 1, 19BB(R) JUL 1, 19BB(L) 480841A WHITE OAK, TOW OF GREGG COUNTY DEC I, 1989(R) DEC 1, 1989(l) 480617# 􀁾􀁈􀁉􀁔􀁅􀀠SETTLEMENT, CITY OF TARRANT COUNTY JUL 17,
1986(R) JUL 17, 1986 480572# WHITEHOUSE, CITY OF SMITH COUNTY FEB 13, 1979(R) FEB 13, 1979(M) 480839A 􀁗􀁈􀁉􀁔􀁅􀁾􀁒􀁉􀁇􀁈􀁔􀀬􀀠TOWN OF GRAYSON COUNTY JUN 19, 1985(R) .JUN 19, 1985 480865#
WHITNEY, TOW OF HILL COUNTY FEB 16, 1990(RJ FEB 16, 1990 481189# 􀁾􀁉􀁃􀁈􀁉􀁔􀁁􀀠COUNTY' WICHITA COUNTY MAR 2, 1983(R) MAR 2, 1983 480662# WICHITA FALLS, CITY Of WICHITA COUNTY OCT 16,
1979(R) JUN 19, 1985 480664# WI LLACY COUNTY· 􀁾􀁉􀁌􀁌􀁁􀁃􀁙􀀠COUNTY FEB 15, 1984(R) MAY 4, 1992 481079# 􀁾􀁉􀁌􀁌􀁉􀁁􀁍􀁓􀁏􀁎􀀠COUNTY' WILLIAMSON COUNTY SEP 27, 1991(Rl SEP 27, 1991
480942# WILLIS, CITY Of MONTGOMERY COUNTY AUG I, 1984(R) AUG I, 1984 481603 WILLOW FORK DRAINAGE OISTRI FORT BEND COUNTY SEP 8, 1986(R) USE THE HARRIS COUNTY (480287) FIRM AND THE FORT
BEND COUNTY (480228) FIRM HARRIS COUNTY 􀀴􀀸􀀱􀀱􀀶􀀴􀁾􀀠􀁗􀁉􀁌􀁌􀁏􀁾􀀠PARK, CITY OF PARKER COUNTY MAR 18, 1987(R) MAR 18, 1987 480633B WILLS POINT, CITY OF VAN ZANOT COUNTY MAR 1. 1988(R)
MAR 1, 1988(L) 480190# WILMER, CITY OF DALLAS COUNTY SEP 17, 1980(R) SEP 17, 1980 480230# WILSON COUNTY· WI LSON COUNTY MAR IS, 1978(Rl MAR 15, 1978 480689# WINDCREST, CITY OF BEXAR
COUNTY AUG IS, 1977(R) AUG IS, 1977 480680# WINNSBORO, CITY OF WOOD COUNTY DEC 7, 1982(R) DEC 7, 1982(M) (R) . INDICATES ENTRY IN REGULAR PROGRAM NSFHA • NO SPECIAL FLOOD HAZARD AREA
• ALL ZONE C > • DATE OF CURRENT EFFECTIVE MAP IS AFTER THE OATE OF THIS REPORT •• UNINCORPORATED AREAS ONLY 
FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADMINISTRATION PAGE 24 COMMUNITIES PARTICIPATING IN THE NATIONAL FLOCO INSURANCE PROGRAM AS OF MAY 8, 1992 TEXAS DATE OF DATE OF
ENTRY CURRENT COMMUNITY EMERGENCY OR EFFECTIVE MAP NUMBER COMMUH ITY NAME REGULAR PROG. (OR MAP INDEX) 480550 IIINTERS, CITY OF RUNNELS COUNTY MAY 25, 1978(R) (NSFHA) 481051# 1/1 SE
COUN TY· WISE COUNTY MAR 19, 1990(R) MAR 19, 1990 48069411 IIOOOBRANCH. VILLAGE OF MONTGOMERY COUNTY AUG 15, 1984(R) AUG 15, 1984 481168# IIOOOLOCH, VILLAGE OF MONTGOMERY COUNTY JAN
3, 1985(R) JAN 3, 1985 481l987# WOODSBORO, TOlIN OF REFUGIO COUNTY JUL 16, 1981(R) JUL 16, 1981 481022A 1IOOO5ON, CITY OF THROCKMORTON COUNTY APR I, 1991(R) APR I, 1991(L) 481035A WOODVILLE,
CITY OF TYLER COUNTY OCT 26, 1982(R) OCT 26, 1982(M) 480462# IIOOOWAY. CITY OF MCLENNAN COUNTY MAY I, 1979(R) MAY I, 1979 481l826A IIORTHAM, TOlIN OF FREESTONE COUNTY SEP 4, 1985(R)
SEP 4, 1985(M) 4807'59# WYLIE, CITY OF COLLIN COUNTY JUN 4, 1980(R) SEP 4, 1991 481167A YANTIS, CITY OF WOOD COUNTY OCT 26, 1982(1) OCT 26, 1982(M) 4804348 YOAKUM, CITY OF LAVACA COUNTY
SEP I, 1987(R) SEP I, 1987(L) 480197B YORKTOIIN, CITY OF DEIiITT COUNTY MAR I, 1987(R) MAR 1, 1987(L) 480684# YMG COUNTY· YOUNG COUNTY JAN 2, 1991(R) JAN 2, 1991 . 481191'" ZAVALA COUNTY'
ZAVALA COUNTY SEP I, 1987(R) SEP I, 1987(L) TOTAL IN THE FLOCO PROGRAM 902 TOTAL IN THE REGULAR PROGRAM 881 TOTAL IN THE REGULAR PROGRAM BUT HAVING NO SPECIAL FlOCO HAZARD AREA 41 TOTAL
IN REGULAR PROGRAM BUT DESIGNATED AS MINIMALLY FLOCO PRONE 248 TOTAL I N EMERGENCY PROGRAM 21 TOTAL IN EMERGENCY PROGRAM IIITH THE HAZARD AREA IDENTIFIED 11 (R) . INDICATES ENTRY IN
REGULAR PROGRAM NSFHA . NO SPECIAL FLOOD HAZARD AREA . ALL ZONE C > • DATE OF CURRENT EfFECTIVE MAP IS AFTER THE DATE OF THiS REPORT •. UNINCORPORATED AREAS ONLY ALL OTHER CODES OR SYMBOLS
ARE EXPLAINED ON PAGE 2 OF THIS BOOK 
FEDERAL EMERGENCY MANAGEMENT AGENCY fEDERAL INSURANCE ADMINISTRATION PAGE 25 AREAS 􀁾􀁈􀁉􀁃􀁈􀀠HAVE HAD SPECIAL FLOOD HAZARD AREAS IDENTIFIED --NOT IN THE PROGRAM'AS OF MAY 8, 1992 TEXAS
C!»4I!UNITY HAZARD AREA DATE ON 􀁾􀁈􀁉􀁃􀁈􀀠NUMBER COMMUNITY NAME IDENTl FlED SANCTIONS APPLY 481089# ADDISON, TOWN Of COLLIN CruNTY OCT 29, 1976(F) OCT 29, 1977 DALLAS COONTY 480960
ADRIAN, CITY Of OLDHAM CruNTY JUL 25, 1975 JUL 25, 1976 481090 ALBA, TOWN OF \1000 cruNTY MAY 2, 1975 SEP 1, 1982(11) 481546# ALMA, TOWN Of ELLI S cruMTY APR 29, 1980 APR 29, 1981 481306#
ALTOGA, ClTY OF COLLIN COONTY JUL 25, 1978(F) JUL 25, 1979 481617# ALVORD, TOWN OF IIISE COONTY MAR 19, 1990(F) MAR 19, 1991 480B94 AMHERST, CITY OF LAMB COUNTY JUL II, 1975 JUL II,
1976 480006􀁁􀁎􀁄􀁒􀁅􀁾􀁓􀀬􀀠CITY OF ANDREIIS CruNIY AUG 27, .976 AUG 27, 1977 48000711 ANGELI NA CruNTY> ANGELINA CruNTY DEC 27, 1974 DEC 27, 1975 48154711 ANGUS, TOWN OF NAVARRO CruNTY MAY 6,
1980 MAY 6, 19B1 48162511 ANNA, CITY OF COLLIN CruNTY APR 2, 1991(F) APR 2, 1992 480982 480982 ANNONA, TOWN OF REO RIVER CruNTY JUN II, 1976 JUN II, 1977 481085 APPLEBY, CITY OF NACOGDOCHES
CruNTY AUG 6, 1976 AUG 6, 1977 481093 ASPERMONT, TOWN Of STONEIIALL CruNTY AUG 13, 1976 AUG 13, 1977 480776 AUBREY, TOlIN Of DENTON CruNTY JUN 4, 1976 JUN 4, 1977 48156111 AURORA, CITY
OF IIISE CruNTY JUN 24, 1980(F) JUN 24, 1981 480731 AVINGER, TOWN OF CASS CruNTY AUG 6, 1976 AUG 6, 1977 480951 BARRY, TOWN OF NAVARRO CruNTY JUL 30, 1976 JUL 3D, 1977 480642 BARSTOlI,
CITY OF WARD CruNTY JUN 25, 1976 JUN 25, 1977 480830 BELLS, TO\IN OF GRAYSON COONTY OCT 29, 1976(F) OCT 29, 1977 48OB88 BENJAMIN, CITY OF KNOX CruNTY JUN 27, 1975 JUN 27, 1976 48154111
BERRYVILLE, CITY OF HENDERSON CruNTY JUN 26, 1979(F) JUN 26, 1980 481609# BERTRAM, CITY OF BURNET CruNTY NOV 16, 1990(f) NOV 16, 1991 481088 BLACKWELL, TOWN OF NOLAN CruNTY AUG 15, 1975
AUG 15, 1976 480732 BLOOMBURG, TO\IN OF CASS CruNIY NOV 5, 1976 NOV 5, 1977 480984 BOGATA, TO\IN OF RED RIVER COUNTY AUG 6, 1976 AUG 6, 1977 481096 BREMOND, CITY OF ROBERTSON COUNTY
NOV 19, 1976(F) NOV 19, 1977 480084# BREWSTER COUNTY> BREWSTER CruNTY DEC 27, 1974(F) OCT IS, 1985(5) 4803981/BRIAR OAKS, CITY OF JOHNSON CruNTY MAR 29, 1974(F) MAR 29, 1975 481548#
BRONSON, CITY OF SABINE CruNTY APR 1, 1980 APR I, 1981 480325# BROWNSBORO, CITY OF HENDERSON COUNTY DEC 10, 1976(F) SEP I, 1987(S) 481302# BRUCEVILLE-EDDY, CITY OF FALLS CruNTY MAY 2,
1978( f) MAY 2, 1979 MCLENNAN CruNTY 481549# BUCKHOLTS, CITY OF MILAM cruNTY MAR 18, 1980 MAR. 18f 1981 480904 BUFFALO, CITY OF LEON CruNIY AUG 20, 1976 AUG 20, 1977 480649 BURTON, CITY
OF WASHINGTON COUNTY DEC 20, 1974 DEC 20, 1975 48049DA CACTUS, CITY OF MOORE cruNTY JUN 14, 1974 JUN 14, 1975 48036411 CADDO MILLS, CITY OF HUNT cruNTY JUN 28, 1974(F) JUN 28, 1975 48150411
CAMPBELL, TOlIN OF HUNT CruNTY APR 10, 1979(F) APR 10, 1980 481068 CAMPBELLTON, TOWN OF ATASCOSA CruNTY JUN 25, 1976(F) JUN 25, 1977 NIA -NOT APPLICABLE AT THIS TIME (S) -SUSPENDED COMMUNITY
(II) -WITHDRAIIN COMMUNITY (F) -EFFECTIVE MAP IS A FLOOD INSURANCE RATE MAP • -UNINCORPORATED AREAS ONLY ALL OTHER COOES OR SYMBOLS ARE EXPLAINED ON PAGE 2 OF THIS BOOK 
FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADMINISTRATION PAGE 26 AREAS WHICH HAVE HAD SPECIAL FLOCO HAZARD AREAS IDENTIFIED --NOT IN THE PROGRAM-AS OF MAY 8, 1992 TEXAS COMMUNITY
HAZARD AREA DATE ON IIHICH NUMBER COMMUNITY NAME IDENTIFIED SANCTIONS APPLY 481550# CANEY CITY, CITY OF HENDERSON COUNTY JUN 17, 1980(F) JUN 17, 1981 480730A CASS COUNTY" CASS COUNTY
JUL 5, 1977 JUL 5, 1978 480737A CASTRO COUNTY' CASTRO COUNTY JUN 3, 1977 JUN 3, 1978 480905 CENTERVILLE, CITY OF LEON COUNTY MAR 13, 1976 MAR 13, 1977 480701 CHARLOTTE, CITY OF ATASCOSA
COUNTY AUG 6, 1976 AUG 6, 1977 481140 CHESTER, TOWN OF TYLER COUNTY AUG 13, 1976 AUG 􀀱􀁾􀀬􀀠1977 481202 CHILLICOTHE, CITY OF HARDEMAN COUNTY JUL 18, 1975 JUL 18, 1976 481543# CHIRENO,
CITY OF NACOGDOCHES COUNTY JUL 3, 1979 JUL 3, 1980 480702 CHRISTINE, CITY OF ATASCOEA COUNTY JUl II, 1975 JUl II, 1976 480535 CLARKSVILLE, TOWN OF GREGG COUNTY JUL II, 1975 JUl II, 1976
481098 CLAUDE, CITY OF ARMSTRONG COUNTY AUG 13, 1976 AUG 13, 1977 481099 COAHOMA, TOWN OF HOIIARD COUNTY JUN 4, 1976 JUN 4, 1977 480169A COCKRELL HILL, CITY OF DALLAS COUNTY DEC 7, 1973(F)
DEC 7, 1974 481507# COFFEE CITY, CITY OF HENDERSON COUNTY JUL 3, 1979(F) JUL 3, 1980 480408 COMBINE, CITY OF DALLAS COUNTY JUl 2, 1976(F) JUl 2, 1977 KAUFMAN COUNTY 480870 COMO, TOlIN
OF . HOPKI NS COUNTY AUG 6, 1976 AUG 6, 1977 481510# COVE, TOlIN OF CHAMBERS COUNTY JUN 5, 1979 JUN 5, 1980 481511# COVINGTON, CITY OF HILL COUNTY OCT 29, 1976(F) OCT 29, 1977 480158#
CROCKETT COUNTY' CROCKETT COUNTY OCT 20, 1981 OCT 20, 1982 480723 CROSS PLAINS, TOWN OF CALLAHAN COUNTY AUG 6, 1976 AUG 6, 1977 480871 CUMBY, CITY OF HOPKINS COUNTY AUG 6, 1976 AUG 6,
1977 480985 DETROIT, TOlIN OF RED RIVER COUNTY DEC 24, 1976(F) DEC 24, 1977 481514# DEVERS, CITY OF LIBERTY COUNTY APR 24, 1979 APR 24, 1980 480787 DICKENS, CITY OF DICKENS COUNTY AUG
6, 1976 AUG 6, 1977 480789# OIMHIT COUNTY' OIMMlT COUNTY JAN 24, 1978 JAN 24, 1979 481515# DOMINO, CITY OF CASS COUNTY JUL 10, 1979 JUL 10, 1980 481309# DORCHESTER, TOWN OF GRAYSON COUNTY
JUL 4, 1978 JUL 4, 1979 480733 DOUGLASVILLE, TOlIN OF CASS COUNTY AUG 13, 1976(F) AUG 13, 1977 480976 EAST TAWAKONI, TOWN OF RAINS COUNTY NOV 5, 1976 NOV 5, 1977 480793# EASTLAND COUNTY'
EASTLAND COUNTY NOV 15, 1977(F) NOV 15, 1978 481517# EASTVALE, TOWN OF DENTON COUNTY JUN 19, 1979(F) JUN 19, 1980 480809 ECTOR, TOWN OF FANNIN COUNTY JUL 11, 1975 JUl 11, 1976 480635A
EDGEYOOO, CITY OF VAN ZANDT COUNTY JUN 14, 1974 JUN 14, 1975 481146 EDOM, CITY OF VAN ZANDT COUNTY AUG 13, 1976 AUG 13, 1977 481217# EDWARDS COUNTY' EDWARDS COUNTY FEB 19, 1982 FEB 19,
1983 481000 EL DORADO, TOWN OF SCHLEICHER COUNTY AUG 13, 1976 AUG 13, 1977 480710# ELMENOORF, CITY OF BEXAR COUNTY JUN 11, 1976( F) JUN 11, 1977 480218# ERATH COUNTY' ERATH COUNTY DEC
27, 1977 DEC 27, 1978 480277 ESTELLINE, CITY OF HALL COUNTY NOV 8, .1974 NOV 8, 1975 480327# EUSTACE, CITY OF HENDERSON COUNTY JUN 11, 1976(F) JUN 11, 1977 NIA -NOT APPLICABLE AT THIS
TIME (S) -SUSPENDED COMMUNITY (W) -IIITHORAWN COMMUNITY (F) -EFFECTIVE MAP IS A FLOOD INSURANCE RATE RATE MAP • -UNINCORPORATED AREAS ONLY ALL OTHER CODES OR SYMBOLS ARE EXPLAINED ON
PAGE 2 OF THIS BOOK 
FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADMINISTRATION PAGE 27 AREAS WHICH HAVE HAD SPECIAL FLOOD 􀁈􀁾􀁒􀁏􀀠AREAS 􀁉􀁏􀁅􀁎􀁔􀁉􀁾􀀠􀁾􀀠--NOT IN THE PROGRAM--"--AS OF MAY
8, 1992 TEXAS COMMUNITY HAZARD AREA DATE ON WHICH NUMBER COMMUN I TY NAME IDENTIFIED SANCTIONS APPLY 480807# FANNIN c()uNTY· FANN IN COUNTY NOV 8, 1977 NOV 8, 1978 480544 FATE, CITY
OF ROCKWALL c()uNTY NOV 5, 1976 NOV 5, 1977 481147 FAYETTEVILLE, TOWN OF FAYETTE COUNTY AUG 6, 1976 AUG 6, 1977 480817# FLOYD C()UNTY· FLOYD COUNTY MAY 17, 1977 MAY 17, 1978 480003B
FRANKSTON, CITY OF ANDERSON C()UNTY AUG 16, 1974(F) OEC 13, 1989(W) 480822# FREESTONE COUNTY· FREESTONE COUNTY JAN 3, 1978 JAN 3, 1979 480815 FRITCH, CITY OF HUTCHINSON COUNTY JUL 16,
1976 JUL 16, 1977 480949 GARRISON, TOUN OF NACOGDOCHES COUNTY JUL 16, 1976 JUL 16, 1977 481148 GARY, TOUN OF PANOLA C()UNTY NOV 19, 1976 NOV 19, 1977 481521# GHOLSON, CITY OF MCLENNAN
COUNTY MAY 1, 1979 MAY I, 1980 480880# GODLEY, TOWN OF JOHNSON COUNTY AUG 22, 1975(F) AUG 22, 1976 481310# GOLINDA, CITY OF MCLENNAN COUNTY JUN 6, 1978 JUN 6, 1979 480963 GORI)ON, TOWN
OF PALO PINTO COUNTY OCT 22, 1976 OCT 22, 1977 480964 GRAFORD, TOUN OF PALO PINTO COUNTY JUL II, 1975 SEP 1, 1982(W) 480873 GRAPELAND, TOWN OF HOUSTON COUNTY NOV 19, 1976 NOV 19, 1977
481104A GRUVER, C!TY OF HANSFORD C()UNTY NOV 5, 1976(F) AUG 16, 1988(S) 480328# GUN BARREL CITY, CITY OF HENDERSON COUNTY NOV 8, 1974(F) NOV 8, 1915 481522# HALLSBURG, CITY OF MCLENNAN
COUNTY MAY 15, 1979 MAY 15, 1980 480848 HALLSVILLE, CITY OF HARRISON COUNTY APR 3D, 1976 APR 30, 1977 481011 HAPPY, CITY OF SWISHER COUNTY FEB 14, 1975 FEB 14, 1976 480738 HART, CITY
OF CASTRO COUNTY JUN 27, 1915 JUN 27, 1976 481495# HEBRON, TOWN OF DENTON COUNTY JUL 3, 1979(F) DEC 5, 1990(S) 480843 HIOO, CITY OF HAMILTON c()uNTY AUG 22, 1975 AUG 22, 1976 481106#
HILL COUNTRY VILLAGE, TOWN BEXAR c()uNTY AUG 23, 1977 AUG 23, 1978 480857# HILL COUNTY· HILL COUNTY AUG 9, 1977(F) AUG 9, 1978 480352# HOCKLEY c()uNTY· HOCKLEY COUNTY OCT 25, 1977 OCT
25, 1978 481277A H<J!ER, TOWN OF ANGELI NA COUNTY JUN 3, 1977 JUN 3, 1978 480869# HOPKINS COUNTY. HOPKINS COUNTY DEC 27, 1977 DEC 27, 1978 480872# HOUSTON COUNTY' HOUSTON c()uNTY NOV
1, 1977( F) NOV I, 1978 481535# HOWAROWICK, CITY OF DONLEY COUNTY JAN 2, 1980 JAN 2, 1981 481077 HUNTINGTON, CITY OF ANGELINA COUNTY JUL 30, "976 JUL 30, 1977 480373# HUTCHINSON COUNTY.
HUTCHINSON COUNTY FEB 7, 1975 FEB 7, 1976 481047# HUTTO, TOUN OF WILLIAMSON COUNTY SEP 27, 1991(F) 'SEP 27, 1992 481294A IMPACT, TONN OF TAYLOR COUNTY JUN 10, 1977 JUN 10, 1978 480906
JEWETT, TOWN OF LEON COUNTY DEC 24, 1976 DEC 24, 1977 480756# JOSEPHINE, CITY OF COLLIN c()uNTY MAY 28, 1976(F) MAY 28, 1977 HUNT COUNTY 480778A JUSTIN, CITY OF DENTON COUNTY JUN 3,
1977 JUN 3, 1978 481175# XARNES COUNTY XARNES COUNTY JUN 7, 1977 JUN 7, 1978 481107# KEENE, CITY OF JOHNSON COUNTY JUN 4, 1976(F) JUN 4, 1977 481551# KENDLETON, TOWN OF FORT BEND COUNTY
APR 29, 1980 APR 29, 1981 MIA -NOT APPLICABLE AT THIS TIME (S) -SUSPENDED COMMUNITY (W) -WITHDRAWN COMMUNITY (F) -EFFECTIVE MAP IS A FLOOD INSURANCE RATE MAP • -UNINCORPORATED AREAS
ONLY ALL OTHER CODES OR SYMBOLS ARE EXPLAINED ON PAGE 2 OF THIS BOOK 
COMMUNITY NUMEER 481523# 481552# 480674A 481232# 481012 480779# 480811A 480278 480891# 481015 481142 480901# 480907 481075 480818 48163511 480368# 480944 481109 480806 480915# 480886
480756 480946 480470# 480208 480546 481020 480700 481626# 480924 481016 480376A 48123911 480992 48D679A 480518 481524# 481483# 480930 481553# FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL
INSURANCE ADMINISTRATION AREAS WHICH HAVE HAD SPECIAL FLOOD HAZARD AREAS IDENTIFIED --NOT IN THE PROGRAM-AS OF MAY 8, 1992 TEXAS HAZARD AREA ClJ4MUNITY NAME IDENTIFIED KENEFICK, TOWN
OF LIBERTY COUNTY APR 24, 1979 KENNARD, TOlIN OF HOUSTON COUNTY MAR 11, 1980 KERMIT, CITY OF WINKLER COUNTY MAY 24, 1974 KIMBLE COUNTY" KIMBLE COUNTY JAN 15, 1982(F) KRESS, CITY OF SWISHER
COUNTY FEB 21, 1975 KRUM, CITY OF DENTON COUNTY SEP 26, 1975(F) LADONIA, CITY OF FANNIN COUNTY JUL 11, 1975(F) LAKEVIEW, TOlIN OF HALL COUNTY DEC 6, 1974 LAMAR COUNTY" LAMAR COUNTY NOV
29, 1977 LAWN, TOWN OF TAYLOR COUNTY JUN 25, 1976 LEARY, CITY OF BOIIIE COUNTY NOV 26, 1976 LEE COUNTY" LEE COUNTY NOV 16, 1982(F) LEONA, TOWN OF LEON COUNTY NOV 19, 1976 LIPAN, VILLAGE
OF HOOD COUNTY OCT 29, 1976 LOCKNEY, TOWN OF FLOYD COUNTY JUL 2, 1976 LOG CABIN, CITY OF HENDERSON COUNTY SEP 27, 1991(F) LONE OAK, CITY OF HUNT COUNTY JUN 27. 1975(F) LONE STAR, TOWN
OF MORRIS COUNTY AUG 6, 1976 LORAINE, TOWN OF MITCHELL COUNTY JUN 27, 1975 LOTT, CITY OF FALLS COUNTY JUL 9, 1976 LUSBOCK COUNTY· LUBBOCK COUNTY NOV 29, 1977 LUEDERS, CITY OF JONES COUNTY
AUG 13, 1976 MARIETTA, TOWN OF CASS COUNTY JUN 25, 1976 MATADOR, TOWN OF MOT LEY COUNTY NOV 5, 1976 MAVERICK COUNTY. MAVER I CK COUNTY DEC 20, 1977(F) MAYPEARL, CITY OF ELLIS COUNTY
NOV 29, 1974 MCLENDON-CHISHOLM, CITY OF ROCKWALL COUNTY .SEP 26, 1975 MEADOII, TOWN OF TERRY COUNTY AUG 22, 1975 MEGARGEL, TOWN OF ARCHER COUNTY AUG 22, 1975. MELISSA, CITY OF COLLIN
COUNTY APR 2, 1991Cfl MELVIN, TOWN Of MCCULLOCH COUNTY OCT 29, 1976 MERKEL, CITY Of TAYLOR COUNTY MAY 2, 1975 MERTZON, CITY Of IRION COUNTY JUL 26, 1974 MIDLAND COUNTY" MIDLAND COUNTY
JAN. 3, 1978(1978(F) MILES, CITY OF RUNNELS COUNTY AUG 13, 1976 MINEOLA, CITY OF WOOD COUNTY MAY 3, 1974(F) MINGUS, CITY OF PALO PINTO COUNTY MAY 2, 1975 MOBEETIE, TOWN OF WHEELER COUNTY
DEC 18, 1919 MONTGOMERY, CITY Of MONTGOMERY COUNTY NOV 26, 1976(F) MOODY, TOlIN Of MCLENNAN COUNTY JUL 9, 1976 MOORE STATION, CITY OF HENDERSON COUNTY JUN 17. 1980(F) N/A -NOT APPLICABLE
AT THIS TIME (S) -SUSPENDED COMMUNITY (W) -WITHDRAWN COMMUNITY (F) -EFFECTIVE MAP IS A FLOOO INSURANCE RATE MAP • -UNINCORPORATED AREAS ONLY PAGE 28 DATE ON WHICH SANCTIONS APPLY SEP
2, 1988(5) SEP 27, 1991(5) APR MAR MAY JAN FEB 24, 11, 24, 15, 21, SEP 26, DEC 6, NOV 29, JUN 25, NOV 26, NOV 16, NOV 19, OCT 29, JUL 2, JUN 27, AUG 6, JUN 27, JUL 9, NOV 29, AUG 13,
JUN 25, NOV 5, DEC 20, NOV 29, SEP 26, AUG 22, AUG 22, APR 2, OCT 29, MAY 2, JUL 26, 1980 1981 1975 1983 1976 1976 1975 1978 1977 1977 1983 1977 1977 1977 SEP 27; 1992 1976 1977 1976
1977 1978 1977 1977 1977 1978 1975 1976 1976 1976 1992 1977 1976 1975 AUG 13, MAY 3, MAY 2, DEC 18, NOV 26, JUL 9, JUN 17, 1977 1975 1976 1980 1977 1977 1981 ALL OTHER CODES OR SYMBOLS
ARE EXPLAINED ON PAGE· 2 OF THIS BOOK 
FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADMINISTRATION PAGE 29 AREAS WHICH HAVE HAD SPECIAL FLOOD HAZARD AREAS IDENTIFIED --NOT IN THE PROGRAM-AS OF MAY . 8, 1992 TEXAS
COMMUNITY HAZARD AREA DATE ON WHICH NUMBER COMMUNITY NAME IOENTI FlED SANCTIONS APPLY 481525# MORGAN'S POINT RESORT, TOWN BELL COUNTY JUN 19, 1979 JUN 19, 1980 481123 MORGAN, VILLAGE
OF BOSQUE COUNTY NOV 12, 1976 NOV 12, 1977 480943# MORRIS COUNTY" MORRIS COUNTY AUG 9, 1977 AUG 9, 1978 480863 MOUNT CALM, CITY OF HILL COUNTY NOV 5, 1976 NOV 5, 1977 481125 MULLIN,
TOWN OF MILLS COUNTY JUN 11, 1976 JUN II, 1977 481554# MUSTANG, TOWN OF NAVARRO COUNTY MAY 6, 1980 MAY 6, 1981 480950# NAVARRO COUNTY" NAVARRO COUNTY DEC 27, 1977 DEC 27, 1978 481315#
NEW DEAL, CITY OF LUBBOCK COUNTY MAY 16, 1978 MAY 16, 1979 481153 NEW SUMMERFIELD, CITY OF CHEROKEE COUNTY NOV 19, 1976 NOV 19, 1977 481043 NEW WAVERLY, TOWN OF WALKER COUNTY JUN 25,
1976 JUN 25, 1977 481612# 􀁎􀁅􀁗􀁁􀁒􀁾􀀬􀀠CITY OF WISE. COUNTY MAR 19, 1990(F) MAR 19, 1991 481058# NEWCASTLE, CITY OF YOUNG COUNTY DEC 17, 1976(F) DEC 17, 1977 480500A NEWTON, CITY
OF NEilTON COUNTY JUN 7, 1974 JUN 7, 1975 481083A NORTH CLEVELAND, CITY OF LIBERTY COUNTY MAY 6, 1977 MAY 6, 1976 480752 NOVICE, CITY OF COLEMAN COUNTY JUL 2, 1976 JUL 2, 1977 460652
O'BRIEN, CITY OF HASKELL COUNTY JUL 25, 1975 JUL 25, 1976 480921 O'DONNELL, CITY OF LYNN COUNTY AUG 27, 1976 AUG 27, 1977 461533# OAK GROVE, TOWN OF 􀁾􀁕􀁆􀁍􀁁􀁎􀀠COUNTY JUL 17, 1979
JUL 17, 1980 481534# OAK RIDGE, TOWN OF 􀁾􀁕􀁆􀁍􀁁􀁎􀀠COUNTY JUN 26, 1979 JUN 26, 1980 480437A 􀁏􀁁􀁾􀀬􀀠TOWN OF LEON COUNTY MAY 24, 1974 MAY 24, 1975 480769 OGLESBY, CITY OF CORYELL
COUNTY NOV 12, 1976 NOV 12, 1977 480495 OMAHA, CITY OF MORRIS COUNTY FEB 6, 1976 FEB 6, 1977 480974 􀁏􀁎􀁁􀁌􀁁􀁓􀁾􀀬􀀠CITY OF POLK COUNTY NOV 26, 1976 NOV 26, 1977 480994 OVERTON, CITY
OF RUSK COUNTY AUG 13, 1976 AUG 13, 1977 481082 OZONA, CITY OF CROCKETT COUNTY DEC 7, 1973 DEC 7, 1974 480764 PAINT ROCK, TOWN OF CONCHO COUNTY AUG 13, 1976 AUG 13, 1977 481527# PATTISON,
TOWN OF IIALLER COUNTY JUN JUN 12, 1979(F) JUN 12, 1980 481555# PAYNE SPRINGS, CITY OF HENDERSON COUNTY JUL 1, 1960(F) JUL I, 1981 480m PECAN GAP, CITY OF DELTA COUNTY AUG 20, 1976 AUG
20, 1977 480664 PENELOPE, TOWN OF HILL COUNTY APR 23, 1976 APR 23, 1977 481528# POINTBLANK, CITY OF SAN JACINTO COUNTY MAY I, 1979CF l MAY 1, 1980 481241# POTTER COUNTY' POTTER COUNTY
DEC 6, 1977 DEC 6, 1978 480331# POYNER, CITY OF HENDERSON COUNTY SEP 27, 1991(Fl SEP 27, 1992 480724 PUTNAN, TOlIN OF CALLAHAN COUNTY AUG 13, 1976 AUG 13, 1977 481117 QUEEN CITY, TOWN
OF CASS COUNTY APR 23, 1976 APR 23, 1977 480370# QUINLAN, CITY OF HUNT COUNTY APR 16, 1976(Fl APR 16, 1977 480715 QUITAQUE, CITY OF BR I SCOE COUNTY OCT 22, 1976 OCT 22, 1977 480975#
RAINS COUNTY" RAINS COUNTY OCT 18, 1977 OCT 18, 1978 480205A RANGER, CITY OF EASTlAND COUNTY MAY 17, 1974 MAY 17, 1975 480628A RANKIN, CITY OF UPTON COUNTY MAY 10, 1974 MAY la, 1975
480969 RENO, TOlIN OF PARKER COUNTY NOV 5, 1976 NOV 5, 1977 NIA -NOT APPLICABLE AT THIS TIME (S) -SUSPENDED COMMUNITY 􀀨􀁾􀀩􀀠-WITHDRAWN COMMUNITY (F) -EFFECTiVE MAP IS A FlOOD INSURANCE
RATE MAP " • UNINCORPORATED AREAS ONLY ARE EXPLAINED ON PAGE Z OF THIS BOOK 
FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADMINISTRATION PAGE 30 AREAS WHICH HAVE HAO SPECIAL FLOOD HAZARD AREAS 10eNTIFIED --NOT IN THE PROGRAM-AS OF MAY S, 1992 TEXAS COMMUNITY
HAZARD AREA DATE ON WHICH NUMBER COMMUNITY NAME IDENT! FlED SANCTIONS APPLY 481158 RETREAT, TOWN OF NAVARRO COUNTY JUL 11, 1975 JUL 11, 1976 481054# RHOME, TOWN OF WISE COUNTY MAR 19,
1990(f) MAR 19, 1991 480957 RICE, CITY OF MAVARRO COUNTY SEP 26, 1975 SEP 26, 1976 480562# RICHLAND SPRINGS, CITY OF SAN SABA COUNTY NOV 8, 1974(f) NOV 8, 1975 480958 RICHLAND, TOWN
OF NAVARRO COUNTY JUL 25, 1975 JUL 25, 1976 481316# RIESEL, TOWN OF ,MCLENNAN COUNTY MAY 23, 1978 MAY 23, 1979 480795A RISING STAR, CITY OF EASTLAND COUNTY SEP 26, 1975(f) JAN 18, 1989(S)
481044 RIVERSIDE, TOWN OF WALKER COUNTY NOV 19, 1976 NOV 19, 19n 480749 ROBERT LEE, CITY OF COKE COLNTY JUN 27, 1975 JUN 27, 1976 480988# ROBERTSON COUNTYROBERTSON COUNTY JUN 3, 19n
JUN 3, 1978 480225A ROBY, CITY OF FISHER COUNTY MAY 17, 1974 HAY 17, 1975 480543# ROCJ(\IALL COUNTYROCKWALL COUNTY MAY 31, 19n(F) MAY 31, 1978 4805n ROMA-LOS SAENZ, CITY OF STARR COUNTY
JUN 4, 1976(F) JUN 4, 19n 481061# ROSE CITY, CITY OF ORANGE COUNTY JUL 12, 19n(F) JUL 12, 1978 481119 ROSEBUD, CITY OF FALLS COUNTY OCT 29, 1976 OCT 29, 19n 481317#, ROSS, CITY OF MCLENNAN
COUNTY MAY 30, 1978 HAY 30, 1979 480816 ROUND TOP, TOWN OF FAYETTE COUNTY OCT 29, 1976 OCT 29, 19n 481039 SABINAL, CITY OF UVALDE COUNTY SEP 26, 1975 SEP 26, 1976 481160 SAOLER, TOWN
OF GRAYSON COUNTY JUL 2, 1976(F) JUL 2, 19n 481556# SAN PATRICIO, TOWN OF SAN PATRICIO COUNTY JUL 15, 1980 JUL 15, 1981 480876 SANFORD, TOWN OF HUTCHINSON COUNTY AUG 13, 1976 AUG 13,
19n 480611 SANSOM PARK VILLAGE, CITY 0 TARRANT COUNTY DEC 10, 1976 DEC 10, 19n 480751 SANTA ANNA, TOWN OF COLEMAN COUNTY JUN 27, 1975 JUN 27, 1976 481134 SCHULENBURG, CITY OF FAYETTE
COUNTY JUN 25, 1976 JUN 25, 19n 481280# SCOTLAND, CITY OF ARCHER COUNTY JUN 14, 19n JUN 14, 1978 481161 SCOTTSVILLE, TOWN OF HARRISON COUNTY DEC 10, 1976 DEC 10, 19n 480564# SCURRY COUNTY'
SCURRY COUNTY MAY la, 19n MAY la, 1978 480332# SEVEN POINTS, CITY OF HENDERSON COUNTY NOV 5, 1976(F) NOV 5, 19n 480656 SHAMROCK, CITY OF WHEELER COUNTY OCT 22, 1976 SEP 2, 1988(S) 481004#
SHELBY COUNTYSHELBY COUNTY AUG 1, 1978 AUG 1, 1979 481185# SMITH COUNTYSMITH COUNTY JAN 3, 1978(F) JUL 2, 1981(S) 480867 SHYER, TOWN OF HOCKLEY COUNTY AUG 13, 1976 AUG 13, 19n 480090#
SNOOK, CITY OF BURLESON COUNTY NOV 5, 1976(F) NOV 5, 19n 481264A SOMERSET, CITY OF BEXAR COUNTY AUG 9, 19n AUG 9, 1978 481163 SOUTHMAYO, TOWN OF GRAYSON COUNTY SEP 12, 1975 SEP 12, 1976
480897 SPRINGLAKE, TOWN OF lAMB COUNTY OCT 22, 1976 OCT 22, 19n 480788 SPUR, CITY OF DICKENS COUNTY NOV 12, 1976 NOV 12, 19n 481318# ST_ PAUL, TOWN OF COLLIN COUNTY JUN 6, 1978(F) JUN
6, 1979 481633# STAR HARBOR, CITY OF HENDERSON COUNTY SEP 27, 1991 (F) SEP 27, 1992 480825A STREETMAN, TOWN OF FREESTONE COUNTY MAY 6, 19n MAY 6, 1978 481024 TALCO, CITY Of T!TUS COUNTY
OCT 22, 1976 OCT 22, 19n NIA -NOT APPLICABLE AT THIS TIME (S) -SUSPENDED COMMUNITY (W) • WITHDRAWN COMMUNITY (Fl -EFFECTIVE MAP IS A FLOOO INSURANCE RATE MAP • . UNINCORPORATEO AREAS
ONLY ALL OTHER CODES OR SYMBOLS ARE EXPLAINED ON PAGE 2 OF THIS BOOK 
FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADMINISTRATION PAGE 31 AREAS 􀁾􀁈􀁉􀁃􀁈􀀠HAVE HAD SPECIAL FLOOD HAZARD AREAS IDENTIFIED --NOT IN THE PROGRAM-AS OF MAY 8, 1992 TEXAS
COMMUNITY HAZARD AREA DATE ON 􀁾􀁈􀁉􀁃􀁈􀀠NUMBER COMMUN ITY HAME IDENTIFIED SANCTIONS APPLY 480153 TALPA, 􀁔􀁾􀁎􀀠OF COLEMAN COUNTY JUL 23, 1976 JUL 23, 1977 481019# TERRY COUNTY' TERRY
COUNTY APR 14, 1977 APR 14, 1978 480934 THORNDALE, 􀁔􀁾􀁎􀀠OF MI LAM COUNTY AUG 13, 1976 AUG 13, 1977 480914 THORNTON, 􀁔􀁾􀁎􀀠OF LIMESTONE COUNTY NOV 5, 1976 NOV 5, 1977 480646 THORNTONVILLE,
CITY OF 􀁾􀁁􀁒􀁄􀀠COUNTY AUG 13 f 1976 AUG 13, 1977 481021# THROCKMORTON COUNTY' THROCKMORTON COUNTY MAY 27, 1980 MAY "27, 1981 481023A TITUS COUNTY' TITUS COUNTY JUN 3, 1977 JUN 3,
1978 480868 TOLAR, 􀁔􀁾􀁎􀀠OF HOOD COUNTY JUL 18, 1915 JUL 18, 1976 481532# TOOL, CITY OF HENDERSON COUNTY MAY 29, 1979(F) MAY 29, 1980 481130 TRENT, 􀁔􀁾􀁎􀀠OF TAYLOR COUNTY JUL 23,
1976 JUL 23, 1977 481018 TVE, CITY OF TAYLOR COUNTY JUL II, 1915 JUL 11, 1976 481131A VALENTINE, TOWN OF JEFF DAVIS COUNTY DEC 24, 1976(F) SEP 2, 19M($) 481040# VAN ZANDT COUNTY VAN
ZANDT COUNTY JAM 10, 1978(F) JAN 10, 1979 481557# VINTON, TOWN OF EL PASO COUNTY JUN 24, 1980 JUN 24, 1981 481249# WARD COUNTY" 􀁾􀁁􀁒􀁄􀀠COUNTY OCT 23, 1977 OCT 23, 1978 481188# WASHINGTON
COUNTY" WASHINGTON COUNTY MAY 14, 1977(F) MAY 14, 1978 480850 IlASKOM, CITY OF HARRISON COUNTY OCT 29, 1976 OCT 29, 1977 481059# WEBB COUNTY' WEBB COUNTY MAY 9, 1978(F) MAY 9, 1979 4B08SS
WEINERT, CITY OF HASKELL COUNTY NOV 12, 1976 NOV 12, 1977 480371# WEST TAIlAKO.I, CITY OF HUNT COUNTY APR 16, 1976(F) APR 16, 1977 480938 WESTBROOK, CITY OF MITCHELL COUNTY NOV 12, 1976
NOV 12, 1977 480614 WESTLAKE, CITY OF TARRANT COUNTY DEC 10, 1976 DEC 10, 19n 480158# weSTMINSTER, TOWN OF COLLIN COUNTY NOV 5, 1976(F) NOV 5, 19n 481324# WESTON, TOWN OF COLLIN COUNTY
MAY 23, 1978(F) MAY 23, 1979 480729 􀁾􀁈􀁉􀁔􀁅􀀠DEER, TOWN OF CARSON COUNTY JUL 2, 1976 JUL 2, 1977 4806478 􀁾􀁉􀁃􀁋􀁅􀁔􀁔􀀬􀀠C.ITY OF liARD COUNTY JUN 28, 1974(F) JUL 1, 1988(S) 480922
WILSON, TOWN OF LYNN COUNTY JUL 16, 1976 JUL 16, 1977 481025 􀁾􀁉􀁎􀁆􀁉􀁅􀁌􀁄􀀬􀀠TOliN OF Tnus COUNTY NOV 12, 1976 NOV 12, 1977 480615A WINK, CITY OF IIINXLER COUNTY JUN 28, 1974 JUN
28, 1915 480S73A WINONA, CITY OF SM ITH COUNTY NOV I, 1974 NOV 1, 1915 481055# \iCOD COUNTY" \iCOD COUNTY MAY 31, 1977 MAY 31, 1978 480687# ZAPATA COUNTY' ZAPATA COUNTY AUG 2, 1974 AUG
2, 1915 􀀱􀁦􀁬􀁥􀁾􀀠b.eev. 11es /Je<-.-h I'" S l4 v,;:..v, (.. e-flov i N/A -NOT APPLICABLE AT THIS TIME (S) -SUSPENDED COMMUNITY (II) -WITHDRAWN COMMUNITY (f) -EFFECTIVE MAP IS A FLOOD
INSURANCE RATE MAP " -UNINCORPORATED AREAS ONLY ALL OTHER cooes OR SYMBOLS ARE EXPLAINED ON PAGE 2 OF THIS BOOK 
FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADHINISTRATION PAGE 32 AREAS WHICH HAVE HAD SPECIAL FLOOD HAZARD AREAS IDENTIFIED ··NOT IN THE PROGRAM·· AS OF MAY 8, 1992 TEXAS
TOTAL SUSPENDED FROM EMERGENCY PROGRAM 1 TOTAL SUSPENOEO FROM REGULAR PROGRAM 10 TOTAL WITHOXAWN COMMUNITIES NOT IN PROGRAM 3 TOTAL NOT IN PROGRAM WITH HAZARD AREA IDENTIFIED 265 TOTAL
NOT IN PROGRAM WITH HAZARD AREA IDENTIFIED FOR HORE THM ONE YEAR 265 tru.S. GOVERNMENT rRIN'I1NG OffiCE: ltn • 61l.3lI!I/60134 
CRS enhances marketing opportunities for insurance producers. Most of the nearly 300 communities approved for CRS credit in 1991 have agreed to perform activities that promote public
awareness of flood insurance. This means your message will be reinforced through various local activities. making it easier for you to sell flood insurance. Think of the opportunities
you now have to help CRS communities spread the word about flood insurance and floodplain managementand to let people know that you sell flood insurancel Contact the local CRS Coordinator
to see how you can tie your marketing efforts in with their CRS program. CaU1-800-638-6620 for names and addresses of CRS Coordinators. III-,.. 4!'f!!;. 􀁾􀀡􀀡􀀡􀁉􀁉􀁬􀀠1::i""," !II-...
􀁾'" f 􀁾_ iiiii ;;;; iii 􀁾􀀠National Flood Insurance Program'. Communl1iJ Rating System AService of the Federal Insurance Administration 'metimes even Superheroes need"l:hore information.
If so, please contact: National Flood Insurance Program POBox 619 Lanham MD 20703-0619 1-800-638-6620 Federal Emergency Management Agency 1100 C Street SW Washington DC 20472 900·335
Now itls easy to be a Superhero to your policy holders ................. ---... . -_.. .._..... -----UC'P*F=ii1l:II Wi iii iii. ... ... 
These days, real heroes are the ones who have an impact on the bottom line You are In a unique position to make improvements in the bottom line for your insureds. Today, as the cost
of everything goes up, you can help keep your clients' flood Insurance costs down. How? By taking advantage of the National Flood Insurance Program (NFIP) Community Rating System (CRS).
The CAS Is a component of the Federal Insurance Administration's NFIP. CRS provides flood Insurance premium reductions in those communities that go beyond the minimum NFIP requirements.
Similar to the fire public protection class earned by a community, CRS adjusts flood insurance premium rates to reflect community activities to: • reduce flood damages to existing buildings
• manage development in areas not mapped by the NFIP • protect new buildings beyond the minimum NFIP protection level • help insurance agents obtain flood data • help people obtain flood
insurance CRS means easier flood insurance rating for you! To be approved for CRS credits, communities must maintain completed FEMA Elevation Certificates on all buildings constructed
or located in the speciai flood hazard area after the date of their CRS application. They must also agree to provide copies to any inquirer. Some communities are expanding this activity
by maintaining Elevation Certificates on buildings constructed previously. Now You can contact the local building department of CRS communities and request a copy of the Elevation Certificates
for specific properties. The Elevation Certificate provides the flood zone and lowest floor elevation you need to detennlne the flood insurance premium rate. All in one easy step! (For
commercial floodproofed structures, ask for the Floodproofing Certificate.) Find out which communities are approved for CRS credits. Refer to the CRS Seclion of the NFIP Manual Revisions,
October 1991. Communities may apply or re-apply each year and be classified from Class 1010, with Class 1 receiving the most credit. A community that does not apply for the CRS, or that
7/""_"" does not obtain a minimum number of credit pOints, is a Class 10 community. Flood insurance premium discounts ranging from 5% to 45% become effeclive in October. Communities
are rated based on the activities they voluntarily select to perform and the total point values for those activities. Encourage other communities to apply for CRS credits. Point out
the costs and benefits of CRS. Costs: No fee is charged for a community to apply for participation in the CRS. Costs to the community include those for implementing floodplain management
activities and staff time in preparing the CRS application. Benefits: • rewardS residents by lowering flood insurance costs • increases public safety • reduces damages to property and
public infrastructure • avoids economiC disruption and losses • reduces human suffering • protects the environment Show them the impact on the policy holder's bottom line. Example: Post-FIRM
construction (constructed after December 31, 1974 or after the effective date of the Initial Flood Insurance Rate Map of the community. whichever is later), elevated Single family dwelling,
$185,000 building and $60,000 contents with $1,000 deductible. Annual premium = $189.00 @5% CRS Discount = $180.00 @20% CRS Discount =$151.00 @45% CRS Discount =$101.95 
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􀁾􀀬/1" ' .. .., ';, , CHANGE'QRPROGRAM A\iD " • I POLICY.' '" II 'CORREC.1' AGENT .' 􀁒􀁅􀁖􀁉􀁓􀁉􀁏􀁾􀁓􀀠 • 􀁉􀁎􀁆􀁣􀁏􀁒􀁍􀁾􀁔􀁊􀁏􀁾􀀠I:. \j' 􀁐􀁒􀁅􀁾􀁓􀀧􀀠, PRESS" I " • c-""',---';
" \ ., \', CoinmurityRating, • 􀁁􀁧􀁾􀁮􀁴.Coml1)iSsiois '" I System '" , _, Updating Addrl!S!I!$, ' , 1/" Billing stale-merits and -'\ , /, " , .J 􀀮􀁾􀀠! \J .\,\' c" L I, "I 'j( 'f
/" '" 􀁾􀁉􀀠k ,( :,1 ,) ), ,.. j I 
Patnil, """,Ra_Non-""""'"Small Buthx.a "".....iII 􀁎􀁏􀁬􀁉􀀭􀁾􀀠Small8w:iDea $"0.003 $ J:IO.OOO $1:10.001 $ IS,OO) $115.001 SII5.000 S121l.000 $ 1Il.OOl SJ2Il.000 S 45.001 $ 85.000 $
Ji5.000 Single Family O!h« R.....""'" 􀁎􀁏􀁬􀁉􀁾􀁒􀁥􀁡􀁩􀁤􀁣􀁮􀁕􀁡􀀱􀀠$ 35.000 $100,000 $.00.000 S 10.000 $100.000 TOLL FIIEE TELEI'IIONE NUMllE&S NATIONAL FLOOD INSURANCE PROGRAM 1-800-638-6611)
FLOOD MAP DlSTRlBIlIlON CENTER J.llOO-333-1363 
· OPTIONAL DEDUCTIBLEs OpIions for AlI21ll1es lixq!pI1981 Post-FIRM VZoneS $!,<mSI,ocIl $2,(001$1,(00 $$,(00/$\,(00 S4.<miS2.(OO $',<miS2.(OO ;., $2,W)J$2,00) $3_,00) """ ! " $4.(XX)I$4,OOl
205 􀁾􀀠$S.®!$5,OCO 􀀲􀀵􀁾􀀠:.,,:> '''''10m; I,m; ill.. 􀀲􀀷􀀵􀁾􀀠$56 $111 $166 $221 $276 SS, $11. $165 = $275 
.;..: 􀁾􀀧.. ' 000 Make sure your piotec.tion is complete. There is normally..i.ijye-daywaiting period before new ·poHcies . become effective; so do';'t waii. !1Jltil the flood warnings
are issued.· . :'.,". ' 
• • NATIONAL FLOOD INSURANCE PROGRAM GENI(RAIJ PROPERI'Y ENDORSEMENT FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADMINISTRATION FEMA I'onnNo. 81·33 (1m) 593·9119 (1m) 
ANNOUNCEMENT: THE STANDARD FLOOD INSURANCE POLICY DEDUCTIBLE HAS BEEN INCREASED FOR CERTAIN PROPERTIES To reduce the amount of subsidy for policies with subsidized premium rates, the
minimum deductibles, for building and contents separately, for such policies have been increased from $500 to $750. The new $750 minimum deductibles apply to policies for buildings (and
the contents in them) that were built before the effective date of the Flood Insurance Rate Map for the community or December 31, 1974, whichever is later, and that are located in zones
A, AO, AH, Al-30, AE, VO, Vl-30, VE, or V. Optional fully actuarial rates may be used for such buildings and their contents instead of the subsidized rates, in which case the minimum
deductibles would remain at $500. Also, reimbursement for temporary removal and storage of insured property and the purchase of sandbags and the other items specifically spelled out
in the policy for the purpose of mitigating flood damage when there is imminent danger of a flood loss loss was previously limited to the minimum deductible, which was $500 for all policies.
To clarify that the uniform ceiling of $500 will remain in effect now that there is no longer a uniform deductible, changes have been made in the definition of "Direct Physical Lo,ss
by or from Flood" in Article II and in Article IV. A. (see subparagraph 7 of the Dwelling Form or subparagraph 3 of the General Property Form) to provide for such reimbursements up to
a $500 ceiling without specifying the ceiling in terms of the minimum deductible. If you'have any questions about these changes, please see your local insurance agent. 
STANDARD FLOOD INSURANCE POLICY GENERAL PROPERTY FORK NOTICE OF ENDORSEMENT Increased Deductibles for certain Policies and Related Changes A change in the National Flood Insurance Program
(NFIP) regulations published in the Federal Register on May 7, 1992, at Volume 57, pages 19539-19542, has endorsed your standard Flood Insurance Policy to read as follows in the indicated
Articles below: 1. Article II--Definitions -in the definition of "Direct Physical Loss by or from Flood", the phase "for buildings in an amount up to the amount of the minimum building
deductible" is removed and, in place thereof, the phrase "for buildings in an amount not to exceed $500" is added and the phrase "for contents in an amount up to the amount of the minimum
contents deductible. II is removed and, in place thereof, the phrase "for contents in an amount not to exceed $500." is added. 2. Article IV--Property Covered (Subject to "Property Not
Covered" Provisions) -in paragraph A. 3., the phrase "up to the amount of the minimum building deductible. It is removed and, in place thereof, the phrase "not to exceed $500." is added.
3. Article VI--Deductibles is revised to read, as follows: Article VI--Deductibles A. Each loss to the insured property is subject to a deductible provision under which the Insured bears
a portion of the loss before payment is made under the policy. B. The loss deductible shall apply separately to each building loss and contents loss including, as to each, any debris
removal expenses. c. For any flood insurance policy issued or renewed for a property located in an Emergency Program community or for any property located in a Regular Program community
in Zones A, AO, AH, Al-30, AE, VO, V1-30, VE, or V where the rates available for 
buildings built before the effective date of the Flood Insurance Rate Map (FIRMl* are used to compute the premium, the amount of the deductible for each loss occurrence is determined
as follows: The Insurer shall be liable only when such loss exceeds $750.00, or the amount of any higher deductible which the Insured selected when the Insured applied for this insurance
or when the Insured raised the deductible by endorsement. D. For policies other than those described in paragraph C. above, the amount of the deductible for each loss occurrence is determined
as follows: The Insurer shall be liable only when such loss exceeds $500.00, or the amount of any higher deductible which the Insured selected when the Insured applied for this insurance
or when the Insured raised the deductible by endorsement. *This includes buildings built after the effective date of the FIRM but before December 31, 1974. -O.S, GPO:1992.624-927160161

FEDERAL EMERGENCY MANAGEMENT AGENCY OROERNO. 1704336 SHEET -O.M.S. NO.3067·Q215 FLOOD INSURANCE MAP ORDER Expires June 30. 1993 Of -CONTINUATION Of ORDER NO. SHEETS -􀁉􀁾􀁒􀁦􀁑􀁕􀁅􀁓􀁔􀁆􀁏􀁒􀀺􀀠I
o ESTABUSH DEPOSIT 0 CHANGE o REMOVAL FROM MAiLING LIST:o MAPS (Complete a·G) ACCOUNT (Complete D&E) OF ADDRESS o listed Maps 0 All InJo you wish to receive revised maps? DYe,DNo (Complete
Dj (Complete D&G) (Completed DJ l£J 8USINESS: 􀁾􀀬􀀬􀁾􀀬􀀮􀀬􀀠"'W􀁾􀁗􀀬􀀮􀀢􀀮􀀬􀀠􀁾􀀠􀀢􀀢􀀬􀁭􀀢􀀢􀀬􀀢􀁈􀁾􀀮􀀧􀀢􀀠BENGINEER (F) WRITE·YOUR·OWN COMPANY (1) REAL ESTATE (J) SURVEYOR (l)
INSURANCE (C) APPRAISER (B) INDIVIDUAL (D) LENDER(G) OTHER (SpeCify) (Z) fORA, (Business Type) (Signature) (Full Name ofAgency) FOR C· DIRECT NflP 0 ORWYO 0 NAME OF WVOCOMPAN'f: 􀁾􀀠ACCOUNT
NUMBER NAME [I I I I I I I I I [J I I I I I I I I I I I I I I I I I I I I I IORGANIZATION/COMPANYI I I I I I I I I I I I I I I I I I I i ORDER DAlE {Month-dafyear)I II I I I STREET AOORESSLINE
1 (P.O. Box mldelay ,ecel) AREACOOE TELEPHONE NO. I I I I I I I I I I I I I-I I I I-I I I I I I I I I I I II I I I STREET ADDRESS LINE 2 EXT, I I I I I I I I I I I I I I I I I I I I
I II I I I ClTV STATE ZIPCOOE + 4 I I I I I I I I I I I I I I I I I I IT] I I I I I I I I I I !JMETHOD OF PAYMENT: D CHECK/MONEY ORDER 5 o DEPOSIT ACCOUNTS o CREDIT CARD (Complete F)
£J ENTER CREDIT CARD NUMSER EXPIRES CREDIT CARD TYPE: oVISA D MASTERCARD I I I I I I I I I I I I I I I I I IT] IT] (MO) (YR) (Name OfCredit Card Holder) (Signature ofCredit Card Holder)
.QJ COMMUNITY PANEL w.r'i COMMUNITY. COUNTY. STATE NAME NUMBER NUMBER 1 2 3 ' ! 4 i I 5 : 6 I , 7 ! ! !: 8 9 10 FEMA Form 81-52. MAV 91 REPLACES EDITION OF JUN 90, WHICH IS OBSOLETE

INSTRUCTIONS 1. Form used for map orders. mailing address change and removal from mailing list. Order form must include account number, packing list or recent label. 2. Complete all
information requested. INCOMPLETE FORMS WILL BE RE'I'URNED. 3. For orders of more than 10 items, copy pre-printed red number from form 1 onto additional form!;;. 4. «Z" fold maps may
be ordered by panel number or community number. Maps ordered by community name or number with no indication thatall panels are needed which have greater than 10 panels will be returned
with index and order form only. (See note F below). Ifyou require a community Status book call NFlI' at 1-800-638-6620. (See note H). 5. Flat map orders require only a six (6) digit
community number. 6. A map fee is charged to all map recipients except company types A Federal, State or Local Government-a Federal, State or Local government agency that is utilizing
Flood Maps primarily for the purpose ofadministering floodplain management programs. 7. The map fee is $(i.i.00 per order, not to exceed ten panels arid $5.00 per order plus $0.60 per
panel over 10 panels. The fcc is required before the order is filled. You may usc your Master Card or Visa charge cards by completing the information on the front of the form or give
the information to the operator when you call in your order. 8. There are two methods a map recipient may receive revisions automatically; establ ish a deposit account, ($100.00 minimum)
or; to have your credit card charged for the revision order. lfyou requested revisions as they are published and do not maintain a Deposit Account or authorize charges to a credit card,
we will send you the revision packing slip/invoice. You may return your packing slip with your payment or you can place the order by telephone and use your VISA or MASTERCARD for payment.
(Sec E below) 9. Map orders or questions regarding map orders should be directed to: Federal gmergency Management Agency Flood Map Distribution Center 6930 (A -F) San Tomas Road Baltimore,
Maryland 21227-6227 or call 1-800-333-1363 SPECIAL NOTES A. Retain obsolete maps for rating verification. B. Notify Flood Map Distribution Center ifexcess maps are received. C. Notify
Flood Map Distribution Center of multiple accounts. D. Assure current address and telephone numbers are forwarded to Flood Map Distribution Center. E. Make checks payable to Nf'IP and
include your account number on your check. F. Ifyou need al1 maps for a community or a group ofcommunities, such as all incorporated communities and county unincorporated areas for a
county or all maps for a state, please call toll-free number to discuss the fast easy way to order. G. Index for multi-panel Z-fold maps are free, so make sure you only order maps you
are willing to pay for. ALL MAP SALES ARE FINAL-NO REFUNDS. H. Community Status books contain name, number, statues, and eligibility and date ofeligibility for every community. PAPERWORK
BURDEN DISCLOSURE NOTICE Public reporting burden for this form is estimated to vary from 2.5 to 5 minutes per response. The estimated reporting burden includes the time for reviewing
instructions, searching existing data sources, gathering and maintaining the data needed, and completing and reviewing the form. Send comments regarding the burden estimate or any aspect
of the collection, including suggestions for reducing the burden, to: Information Collections Management, f'ederal Emergency Management Agency, 500 C Street, S.W., Washington, D.C. 20472;
and to the Office of Management and Budget, Paperwork Reduction Project (3067-0215), Washington, D.C. 20510. 
NFIP COMMUNITY STATUS BOOK ORDER FORM Dare______________ CHECK APPROPRIATE BOX '----' Please send copy(copies) ofthe current NFIP Community Status Book for the Stare(s) indicated below
to the following agency. THIS IS A ONE-TIME REQUEST. c:::::::J Please add the following agency to the mailing list to receive the NFIP Community Status Book fur the Stare(s) indicared
below. THE CURRENT NFIP COMMUNITY STATUS BOOK FOR THE STATE(S) HAS ALREADY BEEN MAILED. '----' Please send __copy(copies) of the current NFIP Community Status Book for the Stare(s) indicared
below to the following agency. Also, please add this agency to the mailing list to receive the Community Status Book. Firm/Government Agency Name' ______________________ Address Atrention
Please send Community Status Book fur: ____Entire U.S. ________Following Stare(s) Only: 700-1I3A (3/87) Mail This Form To: Federal Emergency Management Agency Office of Insurance Operations
Federal Insmance Administration Washington, D.C. 204n 
NFIP SUPPLIES ORDER FORM Picasescndme theJlood 􀁾fmns,litetaw:e, md/fx 􀁭􀁡􀁾indiClllc4 below_en lIfelvailllhte Itno <:hatge. (TN 􀁾􀁡􀁭􀁯􀁍􀁴􀀢􀀧􀀢CdII 􀁾oriJo#1d at ()M timt is 200
JUliIs.) ",de< _Ii«!dll-cctIy li<m tlteir_. FORM NUMBER 593-lI2A 593-1l4C 593-l15B 593-116A 593-117A 593-11IDA 593-184J 593-213. 593-215B 593-226A 593-9003F . 593-9049A 593-9058A 7()()'9003B
9()().257 593-190A 593·192 593-227 593-236B 593-237A 593-238H 593·8005 593·9022E·F 593-9057 593-9066 593-9085 9()().293 9()()'336 9()().338 9()().339 9()()'340 9()()'341 9()().342 9()().343
9(J().344 9()().345 9()()'346 9()().347 9()()'348 I'>oduc<n plocing""""􀁾􀁉􀁨WYO """""""'" _ PROGRAM FORMS AND MATERIALS IDLE Notice ofLoss FlOO<\ Insurance Application Flood Insurance
GeneraI Change Endorsement Flood Insurrutee Cance1lalionlNuilificaiion Request Fonn Elevation Cenilicate FEMA Flood Insurance Map Order NFIP Supplies Order Fonn Certificate of Redeternlination
of aProperty's Local:ion Relative to Special Flood Hazard Areas Agenrs Premium Calculation Pad Suggested Lenders Notice. Notice of Agent Address Change FIoodproofing Certllicate Flood
lnsu\'aI1Ce Preferred Risk Poticy Applieati.ofl Flood. Insurance Rate Table Flood Insurance Manual Order PoIlU PUBLIC AWARENESS MATERIALS NOTICE: This Policy Does NotCover Rood loss
(Stuffer) NOTICE: This Policy Does Not Cover Flood loss (Stlcker/Sheets) Guide to Flood Insurance Rate Maps (Booklet) Flood , , • Are You Prolected From !he Next Disaster? (Brochure)
In !he Event of aRood (Brochure) Worst Guest List (Hurricane Sniffer) Notl!ing Could Dampen !he Joy of Home Ownership (Brochure) Camera-ready Newspaper Advertisements NOTICE: This Loan
Requires Flood Insurance (Lender Sticker) Answers to Questions About !he NFlP (Booklet) Mandatory Purchase ofFlood Insurnnce Guidelines (Booklet) Your Homeowners Insurance Doesn't Cover
Floods (Stuffer) The Choice Is Yours (Brochure) Your Homeowners Insurance Doesn't Cover Floods (17 x22 Poster) Your Homeowners Insurance Doesn't Cover Floods (8 lk x1l Flyer) Your Homeowners
Insurance Doesn't Cover Roods (Counter Card) HO -DEC -Flood Notice (Counter Card) Just when you thought you had it all togelher... (8 lk x 11 Ryer) The nextone could have.your name on
it (Counter Card) . The next one could have your name on it (17 x22 PoSl(r) The next one could have your name on it (8 liz x II Ryer) Just when you thought you had it alIlOgelher...
(Counter Carol The next one could have your name on it (Stulfer) JUSt when you thought you had it alIlOgelher..,(Stuifer) Other: __________....:...._______ QUANTITY Circle One Olber
QU'llIilies 51550--51550--51550 ___ 51550 ----51550--51550-----51550 ___ 51550 ___ 51550--51550--___ 515 ---'-51550--51550--51550--51550 ___ 5 15 50 100 ___ 135--5 15 50 100 --5 15 50
100 --5 15 50 100 --5 15 50 100 --5 15 50 100---5--135---515--5 15 50 100 --5 15 50 100 --5 15 50 100 --135---5 15 50 100 ----135--135--5 15 50 100 --135--135--5 15 50 100 --135--5 IS
50 100 --5 15 50 100 ______ Fdl ...yoor ...,., mnp!III!', .ddtcss, city, stale, and zip code.lf QI'de<ing f", '"􀁾􀀦􀀢􀀢􀀧􀁙􀀬yoo must inJ:ludc '" ogelll idel1tif"",,,, numb.,. '"order.
Pkase ;dmtify y......u" by checI:ing !he appopri...box. Fold, =I, oM ,«urn '0 the NFIP. ;; NAME'I" !i 􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀁾􀁲􀀭COMPANYn;i ADDRESS PletISe allow 2to
3 weeks for delivery. I, 593-184J (6/92)"!􀁾􀀠STATS ZIP CODE'. 􀀢􀁾.. 
.;, NAME PLACE COMPANY STAMP HERE ADDRESS CITY STA:rE ZIP NATIONAL FLOODINSURANcE 􀁐􀁒􀁏􀁇􀁒􀁁􀁾􀀠FORMS ORDER UNIT P.O. BOX 99 LANHAM: MARYLAND 20703-0099· .... -..---.-.....􀀭􀁾􀀮􀀭􀀭􀀭􀀭􀀮􀀭􀀮􀀭􀀭�
�•••-----.. -.. --.. -..---..---..􀀭􀀭􀀮􀀭􀀭􀀭􀁾􀁾􀀭􀀭􀀭...-.--...􀀭􀀭􀀭􀀭􀀭􀁾􀀭􀀭􀀮􀀭􀀭􀀭􀀭􀀭..􀀭􀀭􀀭􀀮􀀭􀀭􀀭􀀭􀀮􀀭􀁾__􀀮􀁾􀀮􀁟.. __________________ ___._w____..w􀀭􀀭􀀭􀁾􀀠< FOLD ..
,,; PLEASE FOLD. STAPLE, AND RETURN BOTH COPIF.5 
PAPERWORK BURDEN DISCLOSURE NOTICE GENERAL-This infonnation 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 5CFR 1320 DISCLOSURE OF BURDEN-Public
reporting burden for the collection of information entifled "National Flood Insurance Program Policy Forms," is estimated to average 10 minutes per response. 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 this form,
as part o/this collection, is highlighted below. Send comments regarding the burden estimate or any aspect of the collection, including suggestions for reducing the burden, to: Information
Collections Management, Federal Emergency Management Agency, 500 CStreet, S.W., Washington, D.C. 20472; and to the Office of Management and Budget, Paperwork Reduction Project (3067-0022),
Washington, D.C. 20503. FEMA FORM NUMeER TIllE BURDEN HOURS 81-16 (Part 1) Application for Flood Insurance 11.5 Minutes 81-16 (Parts 1& 2) Application for Flood Insurance 16.5 Minutes
81-16 (Renewal) Application for Flood Insurance 7.5 Minutes 81-16 (Condo Master) Application for Flood Insurance 11.5 Minutes 81-16A Application for Flood Insurance, Part 2 7.5 Minutes
81-17 Cancellation/Nullification Request 7.5 Minutes 81-18 (w/Premiums) General Change Endorsement 10.0 Minutes 81-18 (WID Premiums) General Change Endorsement 7.5 Minutes 81-23 (wI
Premiums) Request for Policy Processing and 10.0 Minutes Renewal Information 81-23A (wlo Premiums) Request for Policy Processing and 7.5 Minutes Renew;:llinformation 81-25 V-Zone Risk
Factor Rating 15.0 Minutes 􀁾􀀠81-67 Preferred Risk Application 5.75 Minutes 
OMB 3067..Q022 EXPIRES OCTOaER 31.1993 FLOOD 􀁉􀁾􀁓􀁕􀁒􀀴􀁎􀁃􀁅􀀠 PREFERRED RISKPOUCY APPLICATION reDill􀁎􀀮􀀺􀀮􀀬􀀭􀀭􀀭􀁣􀀻􀀬􀁾􀁁􀁅􀁎􀁲􀀠FauCi􀁎􀁕􀁾􀁾􀀭--I .• I.PO!ltANT -PlEASE PRINT
OR TYPE L__ 􀁛􀁩􀁊􀁟􀁾􀁾􀁾􀁾􀁾􀀠􀀮􀁾􀁎􀁅􀁗􀀮􀀠􀁌􀁅􀁁􀁖􀀡􀁟􀁂􀁌􀁁􀁾􀁾NOT£:;TH£ .(g]eILL . AA$T-_ 􀁍􀁏􀁒􀁔􀁇􀁾􀁅􀁅􀀠rIDB1lL SECOND MORTG;>GEE f'3\ADDRESS AND TEl£PHONE NUMBeR OF UCENSEO
PROPeRTY ORCASUA1.1Y 􀁾􀁉􀁎􀁓􀁕􀁒􀁁􀁎􀁃􀁅AGENT OR 􀁂􀁒􀁏􀁋􀁾􀀠􀀭􀀭􀀭􀀭􀀭􀁾􀁾􀁾􀁾􀀭􀁾􀁾􀀮􀀭􀀭􀀭􀀮􀀭􀀭􀀭􀀭􀀮􀀮􀀮􀀬􀀭􀀭AGENT'S 1M 10 ill OR $SN' [§l FOR OlSASTER ASSlsmNCE? IF YEs. CHECK
lHE <3OVERNMENT AGENCY: [j] SSA -!il FHA lID 0Tl1ER (PI.EASE Sf'ECIFt) . (g] F£MA rn HHS NAME. TELEPHONE NUMBER ANa ADDRESS lOAN NUMBER: A ===: IT 15 􀁉􀁾􀁄THM 1HIS 􀀿􀁯􀁌􀁉􀁃􀁙􀀻􀁾􀁅􀀠Et:FEcnVE
AT THE TIME THAT THE 􀁏􀁅􀁓􀁃􀁦􀁕􀁾􀁄􀀠BUllOJ!'4G IS ACOUIREO? Iil YES . [ffi NO D 􀀭􀀭􀀭􀀭􀀭􀀭􀁾􀀭􀁾􀀭􀀭􀀮􀀭􀀭􀀮􀀭􀁾􀀠􀁾􀀭􀀭􀁾􀁾􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀮􀁾􀀭􀀭􀁾􀀭􀀭􀀭􀀭􀀮􀀭􀀭􀀭􀀭􀀭E•S
___ $ 75 $100 $125-' 􀀤􀁉􀁾􀀠$30.0001$8,000 $50.0001 $12.000 $75,000/$'8,000 IFSECON[)MOATGAGEE. LOSS PAYEE"OROmeR. IS rOBE BilLED. THE FOI...LOWiNG MUST BE COMPLETED, IN(:.l.UOING 1liE
NAME, TELEPHONE -NUM8ERAND ADOAE$S, 􀁾􀀠@2ND MORTGAGEE [j] DISASTER AGENOf 8 [j] LOSS PAYEE 􀁾􀁾􀁍􀁬􀁬􀁩􀁲􀁵􀀻􀀡􀁯􀀮􀁾􀁙􀁕􀁾􀁉􀁄􀁎􀀢􀀧􀁾􀁾􀁉􀁍􀁬􀁬􀁩􀁲􀁵􀀻􀀮􀁷􀁕􀀻􀁾􀁯􀁯􀁥􀀻􀁖􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀻􀁾􀁾􀀠􀁾�
�IF OTHER, PlEASE SPECfFY 􀀧􀁩􀀬􀀻􀁾􀀺􀀺􀀺􀀺􀀢􀀬􀀠􀁾􀁾􀀻􀀬􀁾􀁾􀁯􀁾􀁾􀀺􀀺􀀧􀀻PROPERTY ADDRESS.o (00 NOr USE P.O. BOX) ..0OTRH To .XR 􀁾􀁾􀀭􀁾􀀭􀁾􀀭􀀭􀁾􀀭􀀢􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀁾􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭G•E
______􀀢􀁾____􀁾__________ l.OCAl1W U{AN UNfNCQRP(')ttATEO AREA OF THE COUNTY? fi'J YES [W NO COMMUNITY NUM8ER AND SUFFIX FOR L()CP:fI()III OF PROPEJflY INSURED _____ FLOOD INSURANCE
RATE MAP lONE __ .___ mSiNGLE FAMILY IZ1 2-4 FAMilY {C)OAi'E OF (E) DATE OF PURCHASE OF BUIlDING ANSWER THiS FOlLOWING 0UE'S'n0HS PftQIIEfU.Y COULO RESUlT I'N.VOUlAHCE Of: COHfRACI1
(F) MAKE, MODel AND SERlALNUMBEA OF 􀁍􀁁􀁎􀁕􀁆􀁁􀁃􀁔􀁕􀁒􀁅􀁏􀀨􀁍􀁾􀁬􀀮􀁅􀀩􀀠HOME: -------------(A) OORfNG THE PERIOD OF OVmERSH1P HAS THE PROPERTY 0WNEfI RECEJlIEIj 2QRUOAEFt..DOO INSuAANCE
CLAIM PAYMENTS OF $1.000 OR MORE. OR20R MORE FLOOD DISASTER REUEP' PAYMENTS (l'NCWDlNG lOANSANOGRANTS) OF$1.«JQOR MORE. ORA FLOOD lN$URANCE CLAIM PAYMeNT AND A FLOOD DISASTER RELIEF
PAYMENT(lNCLUOINGLQANSANOGRANTS}OF$1.0J0.ORM0RE.7 @YES IID NO {8} IS THE BUIlrnNG LOCATeO IN A SPECIAl FLOOD HAZARD AREA ON A FlQ(){) HA2"ARD BQUNDAAY MAP, OR IN A FLOOD INSURANCE RATE
MAP ZONE A, AE. A1·A30. PI.), AH, A99, If, VE, Vl-'V30? I!l YES [HJ NO THE ABOve STATEMENTS ME CORAECTlOTHE BEST OF MYKNQWI...EDG£. tNCUJDlNG THE ANSWERTO 12(A) THEPAOPEFm' OWNER AND
I \JNOERSTANOTHAT ANY i . i 1 1 I---. I I t f 􀁾􀀮􀀠FAlSE. STATEMEN'J'S MAY BE PUNISHABLE BY ANEOR tWRISONUENT UNDER APPUCABlEFEDERAlLAW. ...n........._ •• -...:-. PlEASE ATTACH TO l4FIP
COfI'I Of' APPLICATION' TH£ CH£Ot Ql'IllOHe¥ (lAOER FOR TtfE 1'OfAL f'RFPAln 'FORM 8' -67 OCT 92 􀁮􀀢􀀧􀁴􀀾􀁾􀁶􀀢... ",_ .......,... •• 􀁾􀁟•• _, __ 􀁫􀁾􀀠 
:"';. , " r,.; . ",;, " , '. 􀁾􀀠"', ; ... ,' . EFF.ECTiVE DATE. 􀁔􀁨􀁾􀀮􀁡􀀮􀁾􀁾􀁾􀁦􀁪􀁜􀀮􀁥􀀠(ja!eof Ihispollcy must beat 􀁬􀀡􀁬􀁡􀁾􀁴􀁦􀁩􀀻􀀻􀁥􀀮􀀠c/J:landardays(dalj) of 􀁡􀁰􀁰􀁬􀁩􀁣􀁡􀁩􀁩􀁾􀁮􀀠.
. plus five 1aftes" trye d.;ile of ahew 􀁡􀁰􀁐􀁬􀁩􀁾􀁬􀁩􀁯􀁮􀀠except as .ooted i.1i the Flooq. h1s\lr"nce 􀁍􀁡􀁮􀁵􀁾􀀡􀀮􀀠... ' •.'•.'.... . " 􀀧􀁾􀀠. " ,,', . :: 􀁾􀀭􀀺􀀺􀀺􀀺􀁾􀀮􀀧􀀮􀀠-;."':'""
.' '.. -' . LOSS IN. PRi)c:lRESS;Ttie:pojicy'doas not covet lOSS 􀁲􀁥􀁳􀁾􀁬􀁴􀁩􀁮􀁧􀁦􀁲􀁯􀁬􀀱􀀱􀀠a /lOQd or mUd(low 􀁏􀁃􀀨􀀩􀁬􀁬􀁲􀀨􀁥􀁦􀁬􀁣􀁾􀀠alreaqy . in progr.esson the date ofthis
application, ThiS policy is suBject.lolhe Nalional Flood 􀁉􀁮􀁳􀁵􀁲􀁩􀁩􀁲􀁬􀁾􀀠Act of . .)968 and any.Acts.Amendatory thereof, (the Regulations) issued by the Federal Insurance Aqniillislration'
.. pursuant to'sUch statules. ." . ... '.. . LIMIT ATIQt:l:S OEfERI!,.. 1r111UrilllCeisprQ\lided only (I) against the peril.o! flood 􀁡􀁳􀁤􀁥􀁦􀁩􀁾􀁥􀁤􀀠in Ihe poiicy, . and (2) witH
tesp!lct·to'thpSecoverages applied. for herein and lor which a specific amounto! insuranc!! is shown lifuflllilessotherviise provided, aU conditions and provisions ofthis form and olthe
policy shall 􀁡􀁰􀁰􀁉􀁙􀁳􀁥􀁰􀁡􀁴􀁡􀀪􀁩􀁹􀁴􀁯􀀧􀁥􀁬􀀮􀁬􀁣􀁨􀁣􀁯􀁶􀁩􀁭􀁩􀁧􀁾􀀮􀀠'..., ..' . . < .. . '.,'" "'::':'. ' ' . 􀀬􀀬􀁾􀀮􀀬. M.oATGAGEE GAACEPEi1lQI;I: With respect 􀁾􀁯􀁡􀁮􀁹mortgagee (ortrustee) named in this application,'lli(sc insurances.hall continue
in force for the benefildf such mortgagee (or trllstee) for 30 days after mailingo! . written notice loc tne 􀁭􀁏􀁒􀁧􀁡􀁧􀁥􀁥􀀧􀀨􀁯􀁲􀀧􀁴􀁲􀁵􀁳􀁴􀁥􀁾􀁲ofexpiration of ·this policy, This
will provide coveragEdor approximately 30 Days after the' policy expiration in the case of a non-renewal. NONDISCRIMINATION. No person or organization shall be excluded from participating
in, denied the benefits of, or subjected to 'discrimination under the Program authorized by the Act, on the ground of race, color, creed. sex, age or national origin. PRIVACY ACT:The
information requested is necessary to process your application for.flood insurance:The. authority.to Collect the inloJmation is Title 42, U.S: Code, Section 4001.to 4028. It is voluntGl'Y
on YOIJr part. 10 .furnish the information. 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 your ager,lt and any. mortgagee named on your policy. .. '. . . . WARNING TO AGENTS AND INSURANCE APPLICANTS. The.National Flood Insurance.AGt of 􀀱􀀹􀀶􀀸􀀻􀁡􀁾􀀠amenqed,
prohibits a flood insurance policy from beingoew!yissued or renewed on'a propertyofficiaily ,declared as beir:g in.vio,lation ofSeQ!ion 1316 ot the Act.· . .; ',' -',,' .' '••j, NATIONAL
FLOOD' INSURANCE' PROGRAM " . .. ., -.􀁾􀀮􀀠 
FEIEUL EMEBGERn MIRAGEIIERT UERCY SUGGESTED LENDER'S NOTICE SATISFIES NOTICE REQUIREMENTS OF THE NATIONAL FLOOD INSURANCE ACT OF 1%8, AS AMENDED, AND THE FLOOD DISASTER PROTECTION ACT
OF 1973 NOTICE TO BORROWER OF PROPERTY IN SPECIAL FLOOD HAZARD AREA 􀁎􀁯􀁴􀁩􀁲􀁥􀁩􀁳􀁾􀁶􀁾􀁲􀁯􀀠____________________________􀁾􀁾􀀭􀀭􀁾􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭__
mm (Borrower) the improved real eslale or manufactured home described in the auached instrument is or will be locmed in an area designa!ed by me Director of the Federal Emergency Management
Agency as a special flood hazard area. This area is delineated on _____________-;;:;-__􀀭􀀭􀀺􀀺􀁾􀀭􀀭􀁾􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭's Flood Insurance Rate Map (FIRM) or, if me FIRM is unavailable,
(Comt1Ul1lily Name) on me Flood Hazard Boundary Map (FHBM). This area bas a I % chance of being flooded wimin any given year. The risk of exceeding the 1% chance increases wim time periods
longer man one year. For example, during me life of a 3Q-year mortgage. a struCture loca!ed in a special flood hazard area has a 26% chance of being flooded. NOTICE TO BORROWER ABOUT
FEDERAL FLOOD DISASTER ASSISTANCE (Lender Check One) o Notice in Participating Communities The improved real estate or manufactured borne securing your loan is or will be locmed in a
eommunity which is now participating in me National Flood Insurance Program. In the event your property is damaged by flooding in a Federally declared disaster, Federal disaster relief
may be available. However, such relief wiD be unavailable jf your community is not participating in the National Flood Insurance Program at the time such assistance would be approved
(assuming your community has beell identified asflood-prone for at least a year). This assistance, usually in the form of a loan with a favorable interest rate, may be available for
damages incUlTed in excess of your flood insurance. o Notice in Nonparticipating Communities The improved real estate or manufactured home securing your loan is or will be loca!ed in
a a community which is not participating in me National Flood Insurance Program. This means that you are not eligible for Federal flood insurance. In the event your property is damaged
by flooding in a Federally declared disaster, Federal disaster relief will be unavailable (assuming your COtnmJinity has been identified as flood-prone for at least a year). Federal
flood disaster relief will be available only if your community is participating in me National Flood Insurance Program at the time such assistanre would be approved. (Bank OffICial's
Name) (Borrowu's Name) (Date) FEMA FilII 81-2, JUN 11 IIPlACII [111111 IF DEC 14, WIIClIlAT I[ mr. 513-2UI18/911 
FEDERAL. EMERGENCY MANAGEMENT AGeNCV CERTIFICATION OF REDETERMINATION OF A PROPERTY'S LOCATION RELATIVE TO SPECIAL FLOOD HAZARD AREAS TO: RE: RE: Date: (NAME OF GRANTEE. BORROWER, INSUREO)
(Loan) (Transaction) No: Flood Insurance Policv No. This will certify that, as of this date, authorized personnel of this institution have examined the latest (Flood Hazard Boundary
MapfFlood Insurance Rate Map) now in effect for (NAME OF COMMUNITV, COUNTY1STATE) effective and have determined that the property which is the (DATE) subject of the above-referenced
loanftransaction is not located in a special flood hazard area as represented on the above-referenced, revised map. Flood insurance had been required as a condition for the loanftransaction
in question because the property was shown as located in a special flood hazard area on 􀁾􀁔􀀮􀀷􀁾􀁾􀁾􀁾􀁾􀁾􀁾􀁾􀁟􀀧􀁳􀀠Flood Hazard Boundary MapfFlood \(NAME OF COMMUNITY) Insurance
Rate 'lap effective at the time the loan/transaction was (DATE) processed. This institution now deems waived (NAME OF GRANTEE, BORROWER, INSURED) from maintaining flood insurance coverage,
on the basis of the Federal Insurance Administration's latest map now in effect for (COMMUNITY'S NAME, which in our judgment excludes the􀁾􀁾􀁾􀁾􀁾􀁾􀁾􀁟􀁥􀁦􀁦􀁥􀁣􀁴􀁩􀁶􀁥􀀠COUNTY. STATE)
(DATE) property in question from an identified special flood hazard area. Address of Institution: Institution: By: (Authorized Signature) Federal Agency _______________________ By: (Authorized
Signature) FEMA FORMe.1-3 (11119) CONTROL NO. 593-213 
BFE esc CL()MR·.·coaXiA .FDIC . -"': "',' 'ffiMA· ··FJjruC; F:fiA 􀂣􀁾􀁂􀁲􀁶􀁩􀂷􀂷􀀠JJiA· 􀂷􀂷􀂷􀀻􀂷􀀮􀁾􀁾􀁾􀁦􀂷􀀺􀂷􀂷.• :;J:,:;i.·:..􀂷􀀮􀁾􀀺􀀮􀀻􀁲􀁦􀀮􀀻􀁪􀁦 􀀧􀁴􀁜􀁾􀀠>,', , "\:. .....
'£bMA}·· .>.' , ;': 􀂷􀁾􀀮􀀬􀀺􀀭􀁾􀂷􀀬􀀺􀀻􀀬􀀾􀁾􀁓􀁾􀁉􀀴􀀺􀀻􀁌􀀺􀀮􀀬􀀺􀁾􀂷􀀻􀀮􀀭􀀬􀀺􀀠􀀺􀀮􀁾􀀻􀀭􀀺􀁩􀁦􀂷􀁾􀁾􀀺􀀠
FEDERAL EMERGENCY MANAGEMENT AGENCY NATIONAL FLOOD INSURANCE PROGRAM ELEVATION CERTIFICATE AND INSTRUCTIONS 
PAPERWORK BURDEN DISCLOSURE NOTICE GENERAL -This information is provided pursuant to Public Law 96-511, (The Paperwork Reduction Actof 1980, as amended), dated December 11, 1980, to
allow the public to participate more fully and meaningfully in the ["ederal paperwork review process. AU1'HORI1'Y -Public Law 96-511 , amended; 44 U.s.C. 3507; and 5 CFR 1320 􀁄􀁉􀁓􀁃􀁌􀁏􀁓􀁕􀁒􀁉􀀼􀁾
􀀠OF BURDEN -Public reporting burden for the collection ofinformation entitled "Post-Construction Elevation CertificatefFloodproofing Certificate" (FEMA Form 81-31 and 81-(5) is estimated
to average 12 minutes per response, including the time for reviewing instructions, searching existing data sources, gathering and maintaining the data needed, and completing and reviewing
the forms. Send comments regarding the burden estimate or any aspectofihe collection, including suggestions for reducing the burden, to: Information Collections Management, Federal Emergency
Management Agency, 500 C Street, S.W. 20472; and to the Office ofManagement and Budget, Paperwork Reduction Project (3067-0077), Washington, D_C. 20503. 
-----------------------------------------------------------------------------O,M,B. No 3067'()()77ELEVATION CERTIFICATE ExpiresMay 31, '993 FEDERAL EMERGENCY MANAGEMENT AGENCY NATIONAL
FLOOD INSURANCE PROGRAM ATTENTION: Use of this certificate does not provide a waiver of the flood insurance purchase requirement. This form is used only to provide elevanon information
necessary to ensure compliance with applicable community floodplain management ordinances, to determine the proper insurance premium rate, andlor to support a request for a Letter of
Map Amendment or Revision (LOMA or LOMR), Instructions for completing this form can be found on the following pages, SECTION A PROPERTY INFORMATION FOR INSURANCE COMPANY USE 􀀢􀀬􀁓􀁣􀀭􀁕􀁉􀁃􀀢􀁬􀁏􀀢�
�􀁉􀁣􀀭􀁎􀁇􀀭􀀺􀀭􀀺􀀺􀁏􀁣􀀭􀁗􀁃􀀢􀁎􀀺􀀺􀀺􀁅􀁃􀀢􀁒􀀧􀀭􀁓􀀭􀁎􀀭􀁁􀁍􀀭􀁅􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀁩􀁾􀁰􀁾􀁏􀁉􀁊􀀧􀁃􀁙􀁎􀁕􀁍􀀸􀁅􀁒􀀠-----I STREET ADDRESS (InCluding
Apt, Unit, Suite and/or Bldg. Number) OR P_O. ROUTE AND BOX NUMBER COMPANY NAte NUMBER ---􀀭􀁾􀀢􀀽􀀽􀀽􀀭􀀭􀀭􀁟􀁟􀁣􀀺􀀺􀀭􀀭􀀭__ __ OTHER DESCRIPTtON (Lot and Blo<::k Numbers, etc,) CITY
STATE ZIP CODE SECTION B FLOOD INSURANCE RATE MAP (FIRM) INFORMATION Provide the following from the proper FIRM (See Instructions): 1. COMMUNITY NUMBER 􀁾PANEL NUMBER 3. SUFFIX 4. DArE
OF FIRM INDEX 5. FIRM ZONE 5. BASE FLOOO ELEVATION {tn AO ZOnas, use deplh; 7, Indicate the elevation detum 􀁾tem used on the FIRM for Base Flood Elevations (BFE): 0 NGVD '29 0 Other
(describe on back) 8, For Zones A or V, where no BFE is provided on the FIRM, and the community has established a BFE for this building site, indicate the community's BFE: I I I I I
I ,U feet NGVD (or other FIRM datum-see $ection B, Item 7), SECTION C BUILDING ELEVATION INFORMATION 1, Using the Elevation Certificate Instructions, indicate the diagram number from
the diagrams found on Pages 5 and 6 that best describes the subject building's reference level ___ 2(a), FIRM Zones A 1·A30, AE, AH, and A (with BFE), The top of the reference level
floor from the selected diagram is at an elevation of I I I I I I,U feet NGVD (or other FIRM datum-see Section B, Item 7), (b), FIRM Zones Vl-V30, VE, and V (with BFE), The bottom of
the lowest horizontal structural member of the reference level from the selected diagram, is at an elevation of I I I I I I feet NGVD (or other FIRM datum--see Section B, Item 7), (c),
FIRM Zone A (without BFE), The floor used as the reference level from the selected diagram is ,U feet above C] or below 0 (check one) the highest grade adjacent to the building, (d),
FIRM Zone AO, The floor used as the reference level from the selected diagram is W,Ufeet above 0 or below (check one) the highest grade adjacent to the building, If no flood depth number
is available, is the building's lowest floor (reference level) elevated in accordance with the community's floodplain management ordinance? 0 Yes 0 No 0 Unknown 3, Indicate the elevation
datum system used in determining the above reference level elevations: 0 NGVD '29 0 Other (describe describe under Comments on Page 2), (NOTE: If the elevation datum used in measuring
the elevations is different than that used on the FIRM [see Section B, Item 7j, then convert the elevations to the datum system used on the FIRM andshow the conversion equation under
Comments on Page 2,) 4, Elevation reference mark used appears on FIRM: Yes 0 No (See Instructions on Page 4) 5, The reference level elevation is based on: 0 actual construction 0 construction
drawings (NOTE: Use ofconstruction drawings is only valid ifthe building does notyet have the reference level floor in place, in which case this certificate will only be valid for the
building during the course ofconstrue/ion, A post-construction Elevation Certificate will be required once constructioll is complete,) 6, The 􀁥􀁬􀁥􀁶􀁡􀁾􀁯􀁮􀀠of the lowest grade immediately
adjacent to the building is: Ll ,UJ.j.U feet NGVD (or other FIRM datum-see Section B, Item 7). SECTION D COMMUNITY fNFORMATlON 1. If the community offiCial responsible for verifying
building elevations specifies that the reference level indicated in Section C, Item 1 is not the "lowest floor" as defined in the community's floodplain management ordinance, the elevation
of the building's "lowest floor" as defined by the ordinance is: LLLLlJ,U feet NGVD (or other FIRM datum-see Section B, Item 7), 2, Date of the start of construclion or subetantial improvement
__________ SEE REVERSE SIDE FOR CONTINUATIONF£MA Form 81-31, MAY 90 REPLACES ALL PREVIOUS EDiTlONS 
--------------------SECTION E CERTIFICATION This certification is to be signed by a land surveyor, engineer, or archttect who is authorized by state or local law to certify elevation
information when the elevation information for Zones A1-A30, AE, AH, A (with BFEj,Vl-V30,VE, and v (with BFE) is required. Community officials who are authorized by loeallaw or ordinance
to provide floodplain management information, may also sign the certification. In the case of Zones AO and A (without a FEMA or community issued BFE), a building OffICial, a property
owner, or an owner's representative may also sign the certification. Reference level diagrams 6, 7 and 8 -Distinguishing Features-If the certifier is unable to certify to breakaway/non-breakaway
wall, enclosure size, location of servicing equipment, area use, wall openings, or unfinished area Feature(s), then list the Feature(s) not included in the certification under Comments
below. The diagram number, Section C, Item 1, must still be entered. I oertify that the information in Sections B and C on this certificate represents my best efforts to interpret the
data available. Iunderstand that any false statement may be punishable by fine or imprisonment under 18U.s. Code, Section 1001. CERTIFIER'S NAME LICENSE NUMBER (or Affix Sea'i TITLE
COMPANY NAME ADDRESS CITY STATE ZIP SIGNATURE DATE PHONE Caples should be made of this Certificate for: 1) community official, 2) insurance agent/company. and 3) building owner. COMMENTS:
􀁾􀁾􀁾􀁾􀁾􀁾􀁾􀁾__ 􀁾___􀁾􀁾􀁾􀁾􀁾􀁾􀁾􀁟􀀠............-ON WmI ONPilES, BASEMENT PIERS, OR COLUMNS􀁾􀀠A ZONES v 20NE;$ A ZONES The diagrams above illustrate the points at which the elevations
should be measured in A Zones and V Zones. Elevations for all A Zones should be measured at the top of the reference leveilioor. Elevations for all V Zones should be measured atthe bottom
of the lowest horizontal structural member. Page 2 
THE NATIONAL FLOOD INSURANCE PROGRAM ELEVATION CERTIRCATE PURPOSE OF THE ELEVATION CERTIFICATE The Elevation Certificate is an important administrative tool of the National Flood Insurance
Program (NFIP). As part of the agreement for making Hood insurance available in a community, the NFIP requires the community to adopt a floodplain management ordinance containing certain
minimum requirements intended to reduce future flood losses. One such requirement is that the community "obtain the elevation of the lowest floor (including basement) of all new and
substantially improved struclures, and maintain a record of all such information." The Elevalion Certificate is one way for a community to comply with this requirement. The Elevation
Cenificate is also required to properly rate post-FlAM structures, which are buildings constructed after publication of the Rood Insurance Aate Map (FlAM), for flood insurance in FlAM
Zones A1-ASO, AE, AO, AH, A (with Base Rood Elevations [BFE's]), .'V1-V30, VE, and V (with BFE's). In addition, the Elevation Certificate is also needed for pre-FIRM structures being
rated under post-RAM <, t· flood insurance rules. Use of this certificate does not in any way alter the flood insurance purchase requirement. The Elevation Certificate is only used to
provide information necessary to ensure compliance with applicable communrty floodplain management ordinances, to determine the proper flood insurance premium rate, andlor to support
a request for a Letter of Map Amendment or Aevision (LOMA or LOMA). Only a LOMA or LOMA from the Federal Emergency Management Agency (FEMA) can amend the FIRM and remove the Federal
requirement for a lending institution to require the purchase of flood insurance. Note that the lending institution may slill require flood insurance. This certificate is only used to
certify the elevaHon of the reference level of a building. II a non-residential building is being floodproofed, then a Floodproofing Certificale must be completed in addition to certifying
the building's elevation. Floodproofing of a residential building does not alter a community's floodplain management elevation requirements or affect the insurance rating unless the
communrty has been issued an exception by FEMA to allow floodproofed residential basements. INSTRUCTIONS FOR COMPLETING THE ELEVATION CERTIFICATE The Elevation Certificate is to be completed
by a land sUlveyor, engineer, or architect who is authorized by state or local law to certify elevation information when the elevation information for Zones At-ASO, AE, AH, A (with BFE's),
V1-V30, VE, and V (with BFE's) is required. Community officials wiho are authorized by local law or ordinance to provide floodplain management information may also complete this form.
For Zones AO and A (without BFE's), a building official, a property owner, or an owner's representative may also provide the information on this certification. SECTION A Property Information
The Elevation Certificate identifies the building, its owner and its location. Provide the building owner's name(s), the building's compfete street address, and lot and block number.
If the property address is a rural route or PO box number, provide a legal description or an abbreviated location description based on distance from a reference point. SECTION B Flood
Insurance Rate Map Information In order to proper1y complete the Elevation CenHicate, it is necessary to locate the building on the appropriate FIRM, and record the appropriate information.
To obtain a FIRM, contact the community or call 1-800-333-1363. The Elevation Certificate may be completed based on either the FIRM in effect at the time 01 the certification or the
FlAM in eflect when construction of the building was started. Items 1 -6_ Using the FlAM Index and the appropriate FlAM panel for the community, record the community number, panel (or
page) number, suffix, and Index date. From the appropriate FlAM panel, locale the property and record the zone and the BFE (or flood depth number) at the building site. BFE's are shown
on a FlAM for ZonesA1-A30, AE, AH, V1-V30, and VE; flood depth numbers are shown forZoneAO. Item 7, Record the venical datum system to which the elevations on the applicable FlAM are
referenced. The datum is specified in the upper right corner of the title block of the FIRM. Item 8. In A or V Zones where BFE's are not provided on the FIRM, the community may have
established BFE's besed on data from other sources. For subdivisions and other development greater than 50 tots or 5 acres. establishment of BFE's is required by community floodplain
management ordinance. When this is the case, complete this item. Page 3 
􀀭􀁾􀁬I i I SECTION C Building Elevation Information Item 1. The Elevation Certificate uses a building's reference level as the point for measuring its elevation. Pages 5 and 6 of this
Elevatior Certificate package contain a series of eight diagrams of various building types that are to be used to help determine the reference level. Choose the diagram that best represents
this building, record the diagram number, and uSe the indicated reference level to measure the elevation'as requested in items 2a.o. Item 2. Depending on the property location's FIRM
Zone, complete Item 2a, 2b, 2c, or 2d. Use the reference level shown in the appropriate building diagram as the pOint of measurement. As shown in the diagram on the back of the Certificate,
for all A Zones, the elevation should be measured at the top of the 􀁲􀁥􀁦􀁥􀁲􀁾􀁣􀁥􀀠level floor. For all V Zones, the elevation should be measured at the bottom of the lowest horizontal
structural member of the reference level floor. Reporting of elevations in Items 2a and 2b should be to the nearest tenth of a root, or alternatively, unless prohibited by state or local
ordinance, the reference level elevation may be "rounded down" to the nearest whole foot ("rounding up" is prohibited), Item 2(a). For structures located in FIRM Zones A1-A30, AE, AH,
and A (with BFE's), record the elevation (to the nearest tenth of a foot) of the top of the floor identified as the reference level in the applicable diagram. Item 2(b). For structures
located in RRM Zones V1-V30, VE, and V (with BFE's), record the elevation (to the nearest tenth of a foot) of th! bottom of the lowest horizontal structural member of the floor idenUfied
as the reference level in the applicable diagram . Item 2(c). For structures located in FIRM Zone A (without BFE's), record the height (to the nearest tenth of a foot) of the top of
the floor indicated as the reference level (from the applicable diagram) above or below the highest adjacent grade immediately next to the building. Item 2(d). For structures located
in FIRM Zone AO, the FIRM will show the base flood depth. For locations in FIRM Zone AO record the height (to the nearest tenth of a foot) of the top of the floor identified as the reference
level (from the applicable diagram) above or below the highest adjacent grade immediateJy next to the building. For post-FIRM buildings, the community's floodplain management ordinance
requires thai this value equal or exceed the base flood depth provided on the FI RM. For those few 􀁣􀁯􀁭􀁭􀁵􀁮􀁾􀁩􀁥􀁳􀀠where this base flood depth is not available, the community will
need to determine if the lowest floor is elevated in accordance with their floodplain management ordinance. Item 3. Record the vertical datum system used in identifying the reference
level elevations for all buildings. If the datum used in measurln the elevations is different than that used on the FIRM, then convert the elevations in Items 2a-d to the datum used
on the FIRM, and shOll the conversion equation under the Comments section on Page 2. Item 4, Indicate if the elevation reference mark used appears on the FIRM. Reference marks other
than those shown on the FIRM may b used for elevation determinations. In areas experiencing ground subsidence, the most recently adjusted reference mark elevations must be used for reference
level elevation determinations. Item 5. Indicate if the reference level used in making the elevation measurement is based on actual construction or construction drawings Construction
drawings should only be used if the building does not yet have the reference level floor in place, In which case the Elevation Certificate will only be valid for the building during
the course of construction. A post·construction Elevation Certificate will be needed ono construction is complete. Item 6. Record the elevation measurement of the lowest grade adjacent
to the building (to the nearest tenth of a foot). Adjacent grade is defined as the elevation of the ground, Sidewalk, patio, deck support, or basement entryway immediately next to the
structure. This measurement should be to Ihe nearest tenth of a fool it this Certificate Is being used to support a request for a LOMA/LOMR. SECTION 0 Community Information Completion
of this section may be required by the community in order to meet the minimum floodplain management requirements of the NFIP. Otherwise, completion of this section is not required. Item
1. The community's floodplain management ordinance requires elevation of the building's "lowest floor" above the BFE. For the vast majority of building types, the reference level and
the lowest floor will be the same. If the community determines that there is a discrepancy, record the elevation of the lowesl floor. Item 2. Enter date. These terms are defined by local
ordinance. SECTION E Certification Complete as indicated. The Elevation Certfflcate may only be Signed by a land surveyor, engineer, or architect who is authorized by state or local
law to certify elevation information when the elevation information for Zones A 1-A30, AE, AH, A (with BFE's), Vl-V30, VE, and V (with BFE's) is required. Community officials who are
authorized by local law or ordinance to provide floodplain management information may also sign this certification. In the case of Zones AO and A (without BFE's), a building offiCial,
a property owner, or an owner's representative may sign this certification. Certification is normally to the information provided in Sections B and C. If the certifier is unable to certify
to the selection of reference levE diagram 6, 7 or 8 (Section C, Item 1), e.g., because of difficulty in obtaining construction or building use information needed to determine the Distinguishing
Feature(s), the certifier must list the Feature(s) excluded from the certificalion under Comments on Page 2. The diagram number used for the Reference level must still be entered in
Section C, Item 1. Page 4 
INSTRUCTIONS The following 8 diagrams contain descriptions of various types of buildings. Compare the features of your building with those shown in the diagrams and select the diagram
most applicable. Indicate the diagram number on the Elevation Certificate (Section C, Item 1) and complete the Certificate. The reference level floor is that level of the building used
for underwriting purposes. NOTE: In all A Zones, the reference level is the top of the lowest floor; In V Zones the reference level is the bottom of the lowest horizontal structural
member (see diagram on page 2). Agents should refer to the Flood Insurance Manual for instruction on lowest floor definition. DIAGRAM NUMBER 1 ALL SINGLE AND MULTIPLE FLOOR BUILDINGS
(OTHER THAN SPLIT LEVEL), INCLUDING MANUFACTURED (MOBILE) HOUSING AND HIGH RISE BUILDINGS, EITHER DETACHED OR ROW TYPE (E.G., TOWNHOUSE, ETC.); WITH OR WITHOUT ATTACHED GARAGE. Distinguishing
Feature -The first floor is not below ground level (grade) on all sides*. This includes 􀁾􀁷􀁡􀁬􀁫􀁯􀁵􀁬􀀧􀀠basements, where at least one side is at or above grade. (Not illustrated)
HIGHER FLOORS (IF ANY) FIRST FLOOR DIAGRAM NUMBER 2 ALL SINGLE AND MULTIPLE FLOOR BUILDINGS (OTHER THAN SPLIT LEVEL), INCLUDING MANUFACTURED (MOBILE) HOUSING AND HIGH RISE BUILDINGS,
EITHER DETACHED OR ROW TYPE (E.G., TOWNHOUSES, ETC.); WITH OR WITHOUT ATTACHED GARAGE. Distinguishing Feature· The first floor or basement (including an underground garage·) is below
ground level (grade) on alt sides·. HIGHER FLOORS (IF ANY) DIAGRAM NUMBER 3 ALL SPLIT LEVEL BUILDINGS, EITHER DETACHED OR ROW TYPE (E.G., TOWNHOUSES, ETC.); WITH OR WITHOUT ATTACHED
GARAGE. Disllngulshlng Feature The lower level is not below ground level (grade) on all sides'. This includes wwalkout" basements, where alleasl one side is al or ·above grade. GRADE
HIGHER FLOORS (IF ANy) UPPER LEVEL HIGHER FLOORS (IF ANY) INTERMEDIATE LEVEL GRADE DIAGRAM NUMBER 4 ALL SPLIT LEVEL BUILDINGS, EITHER DETACHED OR ROW TYPE (E.G., TOWNHOUSES, ETC.); WITH
OR WITHOUT ATTACHED ATTACHED GARAGE. Distinguishing Feature· The lower level (or intermediate level) is below ground level (grade) on all sides·. GRADE HIGHER FLOORS (IF ANY) UPPER LEVEL
LOWER LEVEL HIGHER FLOORS (IF ANY) INTERMEDIATE LEVEL .. Under the National Flood Insurance Program's risk classification and insurance coverage, a floor that is below ground level (grade)
on aft sides is conSidered a basement even though the floor is used for living purposes, or as an office, garage, workshop, etc. Page 5 
Not.: In all A Zone", the reference level is the top of the lowest lloor; In V Zones the reference le.el is the bottom of the lowest horizontal structural memher (see diagram on page
2). Agents sbould refer to the Rood Insurance Manual for Ins!rUclion on lowest floor definition. DIAGRAM NUMBER 5 ALL BUILDINGS,INCLUDING MANUFACTURED (MOBILE) HOMES ELEVATED ON PIERS,
POSTS, COLUMNS, SHEAR WALLS, WITH OR WITHOUT PARKING AREA BELOW ELEVATED FLOOR. DlsUngUlshlng feature· For all zones, tho area below the eJevaled floor is open, with no obstruction to
the flow of llood waters (open wood la"loo work or readily removable insect screening is permissible}. HIGHER A..OOAS (1FAN'i),,,, DIAGRAM NUMBER 7 ALL BUILDINGS, INCLUDING MANUFACTURED
(MOBILE) HOMES ELEVATED ON PIERS, POSTS, COLUMNS, SHEAR WALLS, SOLID NON·BREAKAWAY WALLS, WITH OR WITHOUT PARKING AREA BELOW ELEVATED FLOOR. Distlngufshing Fealure • For all zonOS, the
area below tho elevated floor is enclosed, either partially or tulty, by saUd ll2l1-breakaway walls, or contains equlpment servicing the building. For V Zones only, the area is enclosed,
either partially or fully, by solid brtlakaway wallsu havjng an enclosed area greater than 300 square feet. For A ZOnes only. with an area enclosed by solid walls having proper openlngs.m
and used only for pariQog, building access, or limited slOrage. uso Diagram NUrnbe( B10 determine the retemnce leve!' HIGHER flOORS (IF ANY),, ElEVATED FIRSTFtOOA DIAGRAM NUMBER 6 ALL
BUILDINGS, INCLUDING MANUFACTURED (MOBILE) HOMES E;LEVATED ON PIERS, POSTS, COLUMNS, SHEAR WALLS, WITH OR WITHOUT PARKING AREA BELOW ELE;VATED FLOOR.. DhstlngulSihlng Feature -For V
Zones only, the area below the elevated ficor Is enclose<::!, either partiallyor folly. by solid breakaway walls.'· When enclosed aru is greater than 300 square teet or contains equipmenl servicing the building, use Diagram Number 7; this wiD result in a higher
insurance rate. The enclosed area can be used for parking, building access or limited storage, HIGHER FLOORS (IF AN"",, EleVATED FIRSTROOR DIAGRAM NUMBER 8 ENCLOSEOAREA ALL BUILDINGS
CONSTRUCTED ABOVE AN UNFINISHED SPACE, INCLUDING CRAWL SPACE. Olstfngul$hing Feature -For A Zones only, the area below the first floor is endosed by solld or partial perimeter walls,
is unfinished, and conlains no equipment servicing the slrudure. The area can be uSEd for parking, building access, or limited storage. HIGHER FLOORS "mY) Under the National Ffoad Insurance
Program's risk classification and insurance coverage, a floor that is below ground level. (grade) on all sides is considered a basement even though the floor is used for Jiving purposes,
oras an office, garage, workshop, etc. Solid breakaway walls are walls that are not an integral pan ofthe slructural suppon ofa building and are intended through their design and conSlruelion
to collapse under specific laleralloading forces. wlthoul causing damage (a Ihe elevated portion of Ihe building Of supporting foundation. An area so enclosed is not secure against forceabJe
entry. u* ff the area below the lowest floor is fully enclosed, then a minimum oftwo openings are required with a total net area of at least one square inch for every square faa! ofarea
enclosed wilh the boNom af!he apanlngs no more !hen one fool above grade. Allemalively. C61tification may be provided by a registered professional engineer or architect that the design
will a/law equalization ofhydrostatic fJcod forces an exterior walls. If neither of these criteria are met, then the reference level is the lowest grade adjacent to the structure. Page
6 
FLOOD DISASTER PROTECTION ACT OF 1973 (42 USC 4001 et. seq.) TITLE I-EXPANSION OF THE NATIONAL FLOOD INSURANCE PROGRAM Requirements TD Purth_ FWDd Insurance SEC. Ul2. (a) After the expiration
of sixty da)'S following the dm ofenactment ofthis Art, no Fedenl officer or og<Ilo/,""napp_ any financial ass;...""" for a""uisirion or co..ttuction f>111l'O'<' for use in my area that
has bc.n identified by the Secn:tarf as an area having spmal flood hazards and in which the sale of 800d insurance h.. bc.n m,de ,ffil,ble wtder the National Flood Insurance Act of 1968,
WlI... the building or mobile home and any p",,,,na! property•• which ,uch finaocial .ssistance ",I.t.. is, during the anricip,red economic; or uscfullife of the project, """r<d by Hood
insurulCe in an 2mOWl' a.leu, "Ina! to i" development or project CO" (less e.n.,...d land cost) or 10 the mmmum limit of roverage m,de affil,ble with respect to the particular l)'p<
of property Wlder the Natio.,1 Flood Insurance Art of 1968, whichever is Ies<: Provided. that if the nnancialassi...nce provided i. in the form ofa Io.n or.. in.UC<!Ict or guarantyofa
loan, the amount offlood insur:o.oo: tcquir<d need not 􀁾the o"""ndingprincip,1 balance of the Io,n and need not be tcquir<d beyood the term ofthe lo,n. (b) Each Feder.! in.trumenr.!ity
responsible for the supervision, approval, regul,tion, or insuring ofbanl<s. savings and 10.. , ....i,li.n., or simibr institutions ,hall byl<glllarion di_ such institution. not to maire,
increase, cxt<nd, or n:new:Uter the expinnon of.ixty da)'S foUowing the date of enactment ofthis Act any loan secuml by impr""'" enl estate 0, a mobile home Ioa.ed or to be located in
an a.,. that has been identi6ed by the Secn:tary" ..an area having special flood bawds and in which 8..d in,u"m", has bc.. made .ffilabl. under the Nanonal Flood In.urant< Act of 1968,
unl", the building or mobile home and any per· sonal property secwing such loan i. covered for the term .f the I... by flood insur.mce in an amount" I .." "1",1 to the ousmnding princip,princip,1
balmce of the loa. or to the maximum limit of roverage made .ffilable with ""peet wthe particular type of pmperty under the Act, whichever is I.... (c) N.t withstanding the other pnmsions
of this section, flood i.surance sh.1I not be tcquir<d on any S"....,wned property that is covered under.n ad"l"''' s .. te policyofself·insuranc. sati.f.cmry to the Sec.....!}". The
Sec"tarf shall publish .nd periodically revi.. the list .fStates to which this suhse<tion applies. •Now DiTfrwr, Feder.l Emergw:y MIWlg"""'" Ax""] ("",,<oJ in 1979 􀀮􀀬􀁊􀁾,."..nbilityfor
the NIltWIUl/Ft.oJln11U"IICI! l'rUgr_). 1. When do the regulations apply'! At any time you make, increase, renew. or extend a loan secured by a building or mobile home. It also applies
ro penonal property which secures such loons. (Add loan purchase ifyou're under· theTreasucy's Office ofThrift Supervision, sdl to Fannie Mae, or Freddie Mac.) 1. How long must the flood
insuran(:e coverage be kept in place? For the term of the loan. 2. Who can reuew a polio/Either the borrower or lender can be responsible ror renewing the policy. 3. Can the horrower
cancel the policy! The policy can only be cancelled ifthe lender is in agreement and for approved reasons. 1. Who i. responsible ror ensuring that flood insul" ance was purc.hased? The
lend.er must require evidence that sufficient flood insur.mce was purchased. Summary of Regulations For Lend.ers Before 􀁾􀁾􀁳􀁩􀁾􀁧􀀬􀀱􀀠2. Wha. an: the Spedal FiDod IhzardAremwhere
the requirement applies? They are flood zones A, AO, AH, Al-30, AE, A99, V. Vl-30, YE, and VO in NFIP communities. 3. When must the notice to the borrower be given arul written acknowledgement
returned to the lended Notice: At leastlO dal'" before the dosing of the tmnsacnon (or not later than the date of commitment ifless than 10 dap). Written Acknowledgement: Berore the
loan closes. 4. How much insurance is required! The outstanding principal balance of the loan (less estimated land cost) or the maximum limit ofcoverage made availaWe under the Act,
whichever is less.•• (Repl"",ment «>.t coverage is required by Fannie Mae and Freddie Mac when available.) ... Set! chart on reverse JiJe Important General Rules OfThe NFIP (flnsit .,h",_",.
&. ""NEfP n..J1_••"M"".JforJi"""-i GR 7 A "Pa"", policy is required for each building, except' o::heduled, building policy.., ..􀁾􀀮􀀧􀀠j . 􀀬􀁾􀀭􀀻􀀺􀀠GR 25 Th, annual minimum premium
,""II be $50.oo['<r policy. 􀁩􀁮􀁤􀁾􀁤􀁩􀁾􀁾􀀠, the expense constant. " . o GR 21 The policy term is I year. (wyO compaoies can writea'l-od·year policy rerm.) . INSTRUMENTALITIES, FDIC,
Office ofThrift·Sup<cvision, Federal Resuvc:. Comptroller of the Currency, and The Na.tional Credit Union Administration. AGENCIES, SBA, VA. FHA, HUD, Fannie Mac, Freddie Mac, FmHA (Farmers
Home Administration), etc. 
-----------------SAMPLE LENDER'S NOTICE TO BORROWER SATlSFIES.RIlQ.IJIRF.MENTS OF THE NATION¥ FJ.QciriiNSURANCE ACl' OF 1!I(i8, AS AMENDED, AND 􀁾􀀠 ROOD DISASTEIlPROTECTIONACl' OF 1973.
,'C' NOM T. &rrtn/.trhi SpttWFilJoJ Htu:MtiArtll Notice is giVen to (bonuwer) that the improved mil _ or mobile Lome described in the auached instrument is or will be located in an area
desjp,n""" by the I>ire<mr o(the Fede.aI &.agency Management Apcy..aspaialllood I=udarea. This area is designated on (cOmmunity'. wune) : " Flood I"""""", Rate Map (FIRM) or, ifthe rIR.M
is unamlabl.. on the Flood lWatd Boundary Map (FHBM).This area has a I 'percenl mance of being 800ded within any given)'l'3L newofexceeding the 1 peroenldtanoe u.a.-.. with time periods
longer than I )'l'3L fur etample, during the lift of a 3l).year mortga&e. a S1tudme located in a speriaI 800d bawd .,.,. has a26 percent diance ofbeing flooded. Noml To &rro_Abolll F.tlerlll
FIooJ Diustn'Alm-ct (Lender dteck one ofthe Lox.. below) NOTICE IN PARTlQPATlNG COMMUNITIES0 ne impl'O'illd mil estate or mobile home $<Curing your loan is or wiD be located in acommunity
that is Jl()W participating in the National Flood Insuranre Progr.un. In the eYeRt yoUr property is cIamag.d by 800ding in a federally declared disaster, fedetal disaster !dief may be
available. Hov.'IIVeI', sum ",liefwill be 1UlaV3ilab1e if your rommunity is not participating in the National Flood Insurance Projplllll !II: the time sudt amtailce would be approved,
(assuming your rommunity has been identified ..!load-prone fur.1 least I year)_ This 􀁾usnally in the fum of • loan with a EworabIe interest rue, may be available fur damagts in ""cess
ofyour ftood insurance. o NOTICE IN NONPARTICIPATING COMMUNITIES The impl'O'illd mil _ or mobile home securing your loan is orwill be located in a rommunity that is ".t parlicipatiog
in the National Flood Inslll3llCe Program_ This means that you-notJigibkfur federalftood ins"rance In the emlt your property;, cIamag.d by ftooding in a federaUy declared disaster, foJmJ
.wa-t4/iifIIIiII 􀁾􀁾􀁢􀁫(assuming your community has been identified as ftood-prone for !II: least I year), Fede.allIood disaster !diefwill be available nnIy ifyour conimunity is participating
in the National Flood InsIll3IlCe Prngr:am at the time sum assistance would be approved. (Boll'Ower', Name) (Lender Official', Name) (Date) Insurance Available Through The National Flood
Insurance Program . Bu.i1d.ing Coverage. . Single Family Dwelling (includes condominium units, manufilcturedhomes, eU:.) ,-._,________________________ Qther R.:sidc:ntial (multi.unit)
. _____________._:..___.,..Nonresidential _ Small Business -----------------Contento Coverage (per unit).Rtsidc:nti.I.____,________________________ 'Nonresidential _____ , __________________________'
-_ Small Business ______,____,______________"_.____ Emerr·t)' Proll"m $ 35,000 100,000 100,000 100,000 $ 10.000 100,000 100.000 1I."'lorP..... 1AmoDotof MuimGta IWJl12l'u::e 1111."',,"
R<qllirol byA";IoW•. . . 19l3A<1, uAmeDde4in 1m ,.. . ,. , -$18S,OOO .. .. $ 70,000 250,000 200,QPO 200,000., ,.. 200,000 . 250,000 200,OOll . I ... ."'"". ., $ 60,000 $ 20,000 200.000
200;000 300,000 200,000 , , .. I The am.untofflood m..irana"'luimlis the 􀁡􀁭􀁾􀁵􀁮􀀬􀁡􀁨..... or the amo..,t ofll.oancW....w.iiu, 􀁾is ..... 1.cnden,...hiI....t"'luimlbyllilllk, -rchoo.c
...matter of....,.1 husiness jwlpcntto 􀁾􀁵􀁩􀁲􀁥llood insunnee ....... this ...._and up to the 1Jmir.....iIaLIc on the basis oftheir .,.Juaw.. ofthe dsk to which the p"'pertyis tapnsod.
. I ..-.: j1 
SoFAS, AND OTHER HARD GOODS should I kept fur rhe adjuster's inspection. Agood n cleaning major kin:hen appliances is ro Ifl of baking soda ro a quart of water. Any ;ed items should
be dried and aired; the Ike recommendacions as to rheir repair or pictures of the damage done to your nrents. ·EN FURNITURli. OUTDOORS, hut keep it our 1£ ro prevent warping. Agarage
or carport ! for drying. Remove drawers and orher s soon as possible, bur do not pry open rs from the fronr. Instead. remove the sh rhe drawers our. UD WHILE rr IS STILL MOIST to give
walls lance to dry. Once plastered walls have 'loose dirr. Wash with a mild soap solution clean water; always start at rhe botUJm and 19S are done last. ·Special attention at this Id
also be paid to deaning out heating and us. BE REMOVED FROM DRY WOOD with a '0 6 tablespoons of trisodium phosphate !uid chlorine bleach, and 1 gallon water. .T ONCE rhen wipe wirh a
kerosenNoaked :Oat of oil will prevent iron rrom rusting. Scour all urensils, and, if necessary, use fine steel wool on unpolished surfaces. Aluminum may be IN 11IE EvENTbrightened by
scrubbing with a solution of vinegar, cream of Clttar, and hot warer. OFAFLoOD• QUICKLY SEPARATE ALL LAUNDRY IF YOu'RE FLOODED OUT, ITEMS to avoid running colors. Clothing or household
fabrics should be allowed to dry (s/owly, yOU DON'T HAVE TO BE away from direct heat)· before brushing off loose dirr. If you -WIPED OUT. cannor get a professional cleaner, rinse rhe
irems in lukewarm warer to remove lodged soil. Then wash with mild derergent; rinse and dry in sunlight • FLOODED BASEMENTS SHOUID BE DRAINED and cleaned as soon as possible. However.
srmcmral damage can occur by pumping out rhe warer too quickly. A/kr rhe Iloodwarers . around your property have subsided. begin draining rhe FEDERAL EMERGENCY MANAGEMENT AGENCYbasemenr
in stages, about 1/3 of the water volume each day. FEDERAL INSURANCE ADMINISTRATION NATIONAL FLOOD INSURANCE PROCRAM WHAT DOES NATIONAL FWOD INSURANCE MEAN TO YOU? Until the late 1960s,
flood insurance was practically unavailable to home and business owners. Since private insurance firms were unwilling to assume rhe financial risk alone. Congress voted in [%8 to create
rhe National Flood Insurance Program (NFIP). This federal progtam provided flood insurance at teasonable cost in exchange for rhe careful management of flood prone areas by local communities.
Today, you can insure almost any enclosed building and irs contenrs against flood loss, as long as your community is participating in rhe NFlP. Remember, most standard homeowners policies
do not cover flood loss. For more details on flood insurance proteccion, ;93-237B (9190) call your agent or broker today. Tips TO MINIMIZE LOSS OF LIFE & PROPEKTY • •• 
VE NEVER EXPERIENCED A MAJOR FLOOD, ro KNOW WHAT TO DO IF FLOODWATERS JR COMMUNITY. lNG TIPS FROM THE NATIONAL FLOOD ROGRAM SHOULD BE USED AS SUGGESTED 'OR AcrION. OF COURSE, IF YOU
FIND A FLOOD Sn'UAl'ION AND DO NOT KNOW CHECK WITH LOCAL DISASTER OFFlClAI5. TEPS TO TAKE TODAY .ked list ofpermud prt>perly, inclwiing olbing, Il1IIi "nluabks. Pbotographs ofyour .
lind oue-lITe hdpfoL ThUll willIISMan 1Iing (laitnS and will belp pr01le uninsured re fIIJC JedllCtibk. <AFI!ST ROUl'E FROM YOUR HOME or place of high, safe ground if you should have
to hurry. it.8LE RADIO, emergency cooking eq uipment, ts in working order. HO LIVE IN FREQUENTLY FLOODED AREAS P on hand materials such as sandbags. sric sheeting. and lumber which can
be used roperty. (Remember, sandbags should not be ;Iy 4{,ainst the outer walls ofa building, rince, 'be bags may (Teau added pressure on the Ii About 11 0 'clock last night the water
started coming in over the bridge. Between 11 and 11:20 it was incredible howfast it rose. There was reaDy reaDy no time to move. Or get out. Or anything. . •. Whatever is gone in this
neighborhood is gone. It's a tomlloss. !I! • Buy FLOOD INSURANCE. You should contact your property/casualty agent or broker about 􀁥􀁬􀁩􀁧􀁩􀁢􀁩􀁬􀁩􀁾􀀠for flood insurance. which is
offered through the National Flood Insurance Program. GeneraUy. there is a five-day waiting period for this policy to become effective, so don't wait until the last minure [0 apply.
• KEEp YOUR INSURANCE POLICIES and a list of personal property in a safe place, such as a safety 􀁤􀁥􀁰􀁯􀁳􀁩􀁾􀀠box. Know the name and location of the agem(s) who Issued these policies.
WHEN THE FWOD COMES The safety of your family is'the most important consideration. Since floodwaters can rise very rapidly, you should be prepared to evacuate before the water level
reach.. your property. • KEEP A BATrERY-POWERED RADIO mned to a local station, and follow all emergency instructions. • IF YOU'RE CAUGHT IN THE HOUSE by suddenly rising warers. move
[0 the second floor and, if necessary, to the roof. Take warm clothing. a /lashlight, and pottable radio with you. Then wait for help... don't try to swim to sakI:)'. Rescue teams will
be looking for you. • WHEN OUTSIDE THE HOUSE, REMEMBER••• FLOODS ARE DECEPTIVE. Tty to avoid flooded arw, and don't attempt to walk through floodwarea that are more man knee deep. •
IF, AND ONLY IF, TIME PERMITS••• there are several precautionaty step' thar can be taken. • TURN OFF ALL UTILITIES at the main power .witch lWid.n.ofAul1i.n.T..... M.y24.1981 and close
the main ga' valve if evacuation appears necessary. Do not touch any electrical equipment unless it is in a dry area and you are slllnding on a piece of dry wood while wearing rubber
gloves and rubber-soled boots or shoes. • MOVE VA111ABLE PAPERS. furs. jewelry, clothing, and other conrents [Q upper floors or higher elevations. • FILL BATilTUBS, SINKS AND JUes WlTII
CLEAN WATER in case regulas supplies are contaminated. You can sanitize these irems by first rinsing with bleach. • BoARD UP WINDOWS or protect them with storm shutrers or tape to prevent
flying glass. • BRING OUTDOOR POSSESSIONS INSIDE TIlE HOUSE or tie them down securely. This includes lawn furniture, garbage cans, tools, signs, and other moveable objects that might
be swept away or hurled about. • IF IT IS SAFE TO EVACUATE BY CAR, you should consider the following: • STocK TIlE CAR WlTII NONPERISHABLE fOODS (like canned goods), a plastic container
of warer. blankets. first aid kir, flashlights, dry clothing and any special medication needed by your family. • KEEP THE GAS TANK AT LEAST HALF FULL since gasoline pumps will not be
working if the electricity has been cur off. • Do NOT DRIVE WHERE THE WATER [S OVER THE ROADS-Parts of the road may already be washed our. • IF YOUR CAR STALLS IN AFLOODED AREA. abandon
it as soon as possible. Floodwater.; can rise rapidly and sweep a car (and its occupants) away. Many deaths have resulted from .rrempts to move stalled vehides. AFrER THE FWOD If your
home, apartment or hmin ... has suffered flood damage. immediately call the agent or broker who handles your Ilood inswance policy. The agent will then submit a loss form to the National
Flood Insurance Program. An adjuster will be ....igned to inspect your property as soon as p<>&9ible. • PRIOR TO ENTERING A BUILOINC, check for 􀁓􀁴􀁲􀁵􀁣􀁴􀁵􀁲􀁾􀁬􀀠damage. Make sure
it is not in danger of collapsing. Turn off any outside gas lines at the meter or Illnk. and let the house air for several minutes to remove foul odors or escaping gas. • UPON ENTERING
TIlE BUiLOING, do noc use open flame as a source of light since gas may still be trapped inside; a hattery-<lperated flashlight is ideal. • WATCH FOR ELECTRICAL SHOlITS OR UVE WIRES
before making certain that the main power swicch is turned off. Do not turn on any lights or appliances until an electrician has checked the system for short circuits. • COVER BROKEN
WINDOWS and holes in the roof or waUs to prevent furdler weather damage. • PROCEED W1T11 IMMEDIATE CLEANUP MEASURES to prevent any health hazards. hazards. Perishable items which pose
a health problem should be listed and photographed before discarding. Throw OUt fresh food and previously opened medicines that have come in contacC with floodwaters. • WATER FOR DRINKING
AND FOOD PREPABATION should be boiled vigorously for ten minutes (until the public warer system has been dedared safe). Another method of disinfecting is to mix 1/2 teaspoon of liquid
commercial laundry bleach with 2-In gallons of warer... let stand for five minutes before using. The flar ClSre can be removed by pouring the warer from one container [0 another or adding
a pinch of salr. In an emergency. water may be obtained by draining a hot water tank or melting ice cubes. 
But you must act in advance-remember. there is a fiveday waiting period on new policies. Oncc a storm warning bas been issued, natiol1lll flood insurance may be the only thing standing
between you and financial disaster. Call a local agent or broker today, Amounts of Insurance Available The following limits of insurance are available through . i , the Naliol1ll1 Flood
Insurance Program. Check with a local agent Or broker to determine whether your community is in the Emergency or Regular Program phase. Emetgellcy Regular Program Program BUILDING Single
Family $ 35.000* $ 185,000 AU Other Residential lOO,OOO.t* 250,000 Small Businesst 100,000 250,000 Any Other Structure 100,000 200,000 CONTENTS ResidenEial 10,000 60,000 Small Businesst
100,000 300,000 Any Other Structure 100,000 200,000 For Alaska, Hawaii, Guam and Virgin Islands, lhe building limits are:I $50,000 and "$150,000..•. I , ,'I tcheck with your agent (0
see if you qualify. I If You're Flooded Out, You Don't Have To Be Wiped Out, FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADMINISTRATION NATIONAL flOOD INSURANCE PROGRAM 593-2368
(61lr/) flU.s. GOVERNMENT PRINTING OFFICE: 1990-0-723-865 FLOOD Are you protected from the next disaster? 
I , , "The onrush of water was terrific. You could hear those big boulders rolling down the creek and people calling out. In between flashes of lightning you could see the houses moving
. . . All of a sudden one would fall apart and there weren't any more screams." resident near Johnstown, Fa" July 20, 1977 At 9 p,m. on July 19, 1977, the first thundershowers gave a
welcome relief to the 90-degree heat in Johnstown, Pennsylvania. Just after midnight, two local rivers began overflowing their high-channeled walls and the flood that experts said could
never happen became a reality. The final toll ... more than 7,300 families affected, 70 persons dead, 400 homes completely destroyed, and 343 small businesses either destroyed or severely
damaged. The potential' for this kind ofdisaster is just as great today. The leveling of forests and overbuilding of lands have meant that soil can no longer absorb excess water the
way it once did. So with little warning a storm can turn into a devastating flood-even if you don't live near a river or stream. Flooding as a National Problem Until the late 1960s,
most property owners were unable to get insurance against flood damage. Private insurance finns, aware ofthe potential for catastrophic losses, were unwilling to assume the fmancial
risk alone. This put the burden on taxpayers to provide costly disaster relief to a growing number of flood victims. In 1968, Congress addressed this issue by creating the National Flood
Insurance Program (NFIP). This federal program provided flood insurance at a reasonable cost in exchange for the careful management of flood prone areas by local I, communities. i Today,
the NFIP serves nearly two million policyholders in 17,000 communities across the country. Itis currently being administered by the Federal Emergency Management Agency (FEMA) through
its Federal Insurance Administration. Your Homeowners Policy Isn't Enough Losses due to flooding are not covered under most homeowners policies. You can, however, protect your home and
its contents through the NFIP, if your community is participating in the program. To become eligible, a community first enters the emergency phase of the NFIP by adopting preliminary
actions to reduce the flood threat. Everyone in that community can then apply for limited amounts of flood 􀁩􀁾􀁳􀁵􀁲􀁡􀁮􀁣􀁥􀀠at federally-subsidized rates. Much higher levels of insurance
become available when a community qualifies for the regular program phase. This occurs after FEMA has conducted a detailed flood study, and local officials have enacted more stringent
measures to safeguard life and property from future flooding. To find out more about flood insurance and whether your community is eligible, ask any licensed property/casualty agent
or broker-the same person who sells your home and auto policies. Other Facts You Should Know D Flood insurance is available on almost any enclosed building and its contents. This includes
homes, condominiums, mobile homes on foundations, businesses and farms. The contents of a rental unit are also also insurable. D During the program's emergency phase, single-family homes
can be insured up to $35,000 on the building and up to $ 10,000 on contents. These amounts increase to $185,000 on building and $60,000 contents under the NFIP's regular phase. D There
is a five-day waiting period from the time a policy is purchased until you are covered, with the following exceptions: D When a community has participated 30 days or less in either of
the program phases, there is a waiting period of just one day. D At the time of title transfer, coverage becomes effective immediately. D Flood insurance is required by law in order
to get federally secured financing to buy. build, or improve structures in the flood hazard areas ofa participating community. This includes federal grants, FHA and V A loans, as well
as most conventional mortgage loans. o Preventative measures to reduce flood damage to an insured building are often reimbursable. Policyholders may also recover the cost ofremoving
insured contents from a building that has been declared in imminent danger of flooding by community officials. This includes the removal and/or temporary storage of contents up to a
maximum of 45 days. The Next Step is Up to You At a time when flooding causes more than $2 billion in property damage each year, you cannot afford to think that it will never happen
to you. It can happen, and often when it's least expected. 
􀁗􀁉􀀿􀁬􀁌􀁾􀀬􀀠LOSS "PloYSE -:..' ": " , "',',' [IDBIl:L OTHER"" . ":>.:'" .._; ""l' .. 􀁾􀁾􀀧􀀠'f: ""1 􀁾􀀮􀀻􀀠OMBJ061.0022 EXl"IRESOC'OElER31.1Q91 . PART,1·(OF 2}OF. ··FLOO.O 'POllC'(,'PERIOO:lS
FROM,:" ::_..􀁟􀀭􀁃􀀮􀀮􀁾􀀬􀀮􀁟􀀮_.·TO:,,:--':"'_·"_'_' 􀀱􀀲􀀺􀀰􀁲􀀧􀁾􀀬􀁾􀀻􀀠l.O.cAL 􀁔􀁪􀁾􀁾􀀠􀁾􀁲􀀠􀁦􀁈􀁾􀀧􀁉􀁎􀁾􀁾􀁒􀁅􀁏􀀠􀁾􀁒􀁱􀁾􀁾􀁒􀁔􀁙􀀬􀁬􀀮􀁏􀁃􀁁􀁔􀁉􀁐􀁎􀀠IS IT INteNOe.OTHAT'TMI$,POL1CY
Be. EFFECTIVE AT THE TIME THATTHe DesCRIBED . 􀁥􀁾􀁬􀁾􀁰􀁬􀁴􀀮􀁴􀁉􀁖􀁦􀀤􀀮􀁾􀁁􀁏􀁕􀁉􀁒􀁅􀁄􀀢􀀠,", 􀀬􀁛􀁙􀁊􀁾􀀮􀀬􀀠[8j'NO" 􀁾􀁢􀀡􀁾􀁳􀁔􀁅􀁒􀀬􀀭􀁾􀁅􀁎􀁃􀁙􀀠rn IF 􀁏􀁔􀁈􀁅􀁒􀀺􀁐􀁌􀁥􀁁􀁳􀀮􀁥􀀧􀁓􀁐􀁅􀁾􀁉�
�􀁖􀀻􀀠􀀬􀁾􀀠, :" ':, . ;:';;.' .j .... , .􀁾􀁜􀀠,..; 􀀮􀁾􀀮􀀧􀀠􀁾􀁾􀁾􀀻􀀠mlREGULAR 􀀮􀁉􀁍􀁐􀀧􀁐􀁾􀁔􀀻􀁁􀁾􀀬􀁊__MAKE SURE a.9TK SlOES OF APPLICATION ARE COMPLEIEBEFORE SUBMITTING TO:rHE
NFIP-IMPORTANT 
: ,;; .' .' FLOOD 􀁉􀁎􀀤􀁕􀁾􀁁􀁎􀁃􀁅􀀠APPLICATION' , '. " :,".\. " ,', -:. ' '" : :"': .,..'.. " ' '. ." , EFFECTIVE DATE. The e.ffective.da!epfthis policy must be at leasttive caJendar
day§(date of application plus five) after the date of anew applicatioR except as noted in the age,nt manual.. LOSS IN PROGRESS, The POlicy does not cover loss resulting from a flood
or mudflow occurrence already in progr'esson 'the date of this application. Thispplicyis subject to the National ,RoQdIt\§\..Irance'Act of 1968 and any ActS Amendatory thereof; (the
Regulations) issued by the 􀂷􀁆􀁥􀁱􀁥􀁾􀁉􀀺􀁉􀁲􀀺􀁊􀁾􀁵􀁲􀁡􀁴􀁊􀁣􀁥􀀠Administration pursu.;mt to such statutes. . ' .. . .... ".<.!'" ,.,.•"{,,I ", 􀀬􀁾􀁾􀁾􀀮􀀠_ . ' , '.. ' .. ,." .'
.. '," ': .: _. . lJMITATIONSQF PERIL. Insurance is provided only (t)againsHhe peril of flooo as defined in the . "..;" ','.... , ." . . pplicYi,#nd (2twith respect to those coverages
appl!ed for 􀁨􀁥􀁲􀁥􀁩􀁮􀁾􀁮􀁤􀀡􀁰􀁲􀁷􀁴􀁬􀁩􀁣􀁨􀀠a sJ)!3Cific,fllTloJ.!mof. '. 􀁬􀁨􀁳􀀩􀁬􀁲􀁡􀁑􀁾􀁾􀁳􀁩􀀬􀁳􀁬􀀻􀁬􀁱􀀧􀁦􀀾􀀧􀀡􀁪􀁬􀁡􀁮􀁤􀁵􀁮􀀧􀁥􀁬􀁬􀂧􀀡􀀠􀁑􀁴􀁾􀁲􀁷􀁩􀁾􀁥􀀠provicEjdi
all oonditionsanq;.'provisions 􀁯􀁦􀁴􀁴􀁩􀁩􀁳􀁾􀁦􀁢􀁮􀁮􀀬􀀺􀁡􀁾􀀮􀁤􀀺􀁢􀁦􀂷􀀠• the' 􀁰􀁯􀁪􀁬􀁃􀁹􀁾􀁨􀁩􀁩􀁬􀁬􀁾􀀧􀁪􀀺􀁩􀁬􀁹􀀠separatelYto each cQver!jge.., . " ". . ,!.;. .,' " . "".'
'.,,:." , , ., . ...! ; 􀀺􀁗􀁾􀁒􀁎􀁉􀁎􀁇􀀧􀀠.>,.. ' The 􀁩􀁉􀀡􀁦􀀻􀀧􀁲􀁲􀀻􀀬􀁡􀁴􀁩􀁾􀁾􀁲􀁥􀁱􀁵􀁥􀁳􀁴􀁥􀁤􀀠􀁪􀁾􀀠􀁓􀁾􀁴􀁩􀁯􀁮􀂮􀁣􀁯􀁮􀁾􀁾􀁾􀁮􀁩􀁮􀁧􀁡􀀠􀁢􀁵􀁩􀁬􀁤􀁩􀁾􀁧􀁥􀁲􀁥􀁣􀁴􀁥􀁤􀀮􀁡􀁦􀁴􀁥􀁲􀀠DECEM
BER.31, 1974 111 highly Flood Prone Zones A, A1-ASO, AE, AO, AH.cV. V1-V3.Q or VE. is MATERIAL to the 'Flo.(jd Insurance Contract and should have its answers closely examined by the
􀁩􀁮􀁳􀁵􀁾􀁩􀀧􀁬􀀺􀁲􀁩􀁣􀁥􀀠per.son submitting. the application. ..". __ -,: ,.,: , '. '_",;, .... 1. 􀀬􀀧􀁾􀀺􀀧􀀠,:':'. , ' ,' .. ") ,;".''':;'' ",,;,:, 􀀧􀀮􀀻􀀧􀀺􀁾􀀬􀀬􀀢􀀮􀀠"." .'
"',.' '. : WARr!l(N$TO AGENTS AND_INSURANCE APPLICANTS, Th¢ N?tiohillFl66d IrisuranceAct of " ' 􀂷􀀱􀀹􀀶􀁓􀀺􀁾􀁾􀁾􀂷􀀺􀁡􀁲􀀩􀁩􀁥􀁮􀁣􀀻􀁬􀁥􀁤􀀮􀀠prohibits the payment of flood 􀁩􀁮􀁳􀁵􀁲􀁡􀁮􀁣􀁾􀀠cl,!
lims on properties officially 􀀮􀁤􀁥􀁣􀁬􀁡􀁦􀁾􀁊􀁯􀀮􀁊􀀬􀀧􀁬􀁾􀀭􀁩􀁊􀁝􀀻􀁙􀁩􀁱􀁬􀀦􀁴􀁩􀁯􀁏􀀮􀁑􀁦􀀠􀀮􀁡􀀡􀀡􀁣􀁴􀁬􀁑􀀮􀁮􀁊􀁾􀀻􀁬􀀶􀁰􀁦􀀬the 􀁾􀀹􀁴􀀬􀀠Therel,QCEiil{Jne lowEl§tfl09L§'1E:!va,tio,n
of.posf.,PlftM con'struction or subsfahtialimpi'ovemenl"is'beloWttle'baseflood elevation for,' theare!ii;lfheapplicilht;fcir nls,own protection, should obtaJri ai;ertificatlon (e.g';'a'copy
ofthe i •.. 􀁶􀁡􀁲􀀮􀁜􀁡􀀬􀁾􀀮􀁾􀁥􀀩􀁾􀁲􀁯􀁲􀁮􀀠􀁾􀁨􀁥􀁽􀁰􀀧􀁰􀁾􀀹􀁰􀁲􀁩􀁡􀁴􀁾􀀠commun,ity Official 􀁴􀁾􀀡􀁬􀁴􀀠􀁴􀁨􀁥􀁰􀁩􀁾􀁰􀁬􀁪􀁬􀁲􀁴􀁹􀀠􀁨􀁡􀁳􀀮􀀬􀁮􀁯􀁴􀀮􀁢􀁥􀁾􀁮􀀠officially, ..
􀁤􀁥􀁣􀀡􀁩􀀧􀁬􀁲􀁾􀁤􀀬􀀮􀀠to be en vlolat(onol, state or lOcal floodplain management requirements,' ..,.. ' PQST-F..l.F.!M CONSTRUCTON OR, SUBSTANTIAL IMPRo\;EMi:NT (Formerly called
new .. ' :., C;oi:uiiruction)posf-FIRM.Constructionorsubs.tant(al 􀁩􀁭􀁰􀁲􀁑􀁶􀁥􀁩􀁬􀁬􀁾􀁮􀁴􀀠me1l,ns. fQr the pwposes· of defEirmining insurance rates. buildings whose.c,onstruction
or substantial improvement 􀀢􀁳􀁴􀁡􀁲􀁴􀁥􀁧􀀧􀁐􀁊􀁲􀁰􀁲􀀺􀁡􀁦􀁩􀁥􀁲􀁄􀁥􀁣􀁥􀁭􀁢􀁥􀁾􀀳􀁾􀀻􀀱􀀱􀀹􀀷􀀴􀀰􀁲􀁴􀁨􀁥􀁥􀁦􀁦􀁥􀁣􀁴􀁩􀁶􀁥􀀠date,of-the initial Regular Program, . :., 􀁆􀁩􀀹􀀹􀁾􀁍􀁲􀀺􀁬􀁳􀁾􀁲􀁡�
�􀁩􀁣􀁥􀁒􀁡􀁴􀁥􀀠Mljp(FIRM), 􀁷􀁨􀁩􀁣􀁾􀁥􀁶􀁥􀁲􀁩􀀮􀁳􀀠later, SubstEmtiaUmprovement.is any repair, . , ' 􀀬􀀢􀀬􀁾.., i';, ,;01,' .• ' -, ' .', ." ,"' ,'_ -• "·,,,·:t-'. :,' '-;"" .." ' -. . . 􀀢􀀧􀁲􀁅􀀱􀀨􀀧􀁪􀁱􀁱􀁳􀁴􀁾􀁵􀁥􀁴􀁬􀁤􀁮􀀻􀁯􀁲􀁬􀁭􀁰􀁲􀁯􀁶􀁥􀁭􀁥􀁮􀁴􀁯􀁦􀀧􀁡structure; ttl,e cost of whlc/Jequalsor exceedsqO% of.the , . 􀀧􀀺􀁭􀀧􀁡􀁾􀁫􀀶􀁦􀁶􀁡􀁬􀁵􀁥􀁯􀁦􀀠th
e structurfi, '::. '.' . .' . . ', v.': . 􀀧􀀺􀁾􀁩􀁾􀀺􀀺􀀺􀀺􀀮􀀼􀀠􀀻􀀬􀁌􀀧􀀮􀁾􀀻􀀮􀀧􀀺􀀧􀀺􀀮􀀻􀁽􀁾􀀭􀀮􀀧􀀺􀂷􀁾􀀺􀀬􀀠," :; ,r " r',:-􀁾􀀠'::.. _.1"; :, • . c': '". ,,". _", .,.:. .'.'
􀁾􀀬􀀮􀀢􀀬􀀬􀀧􀀠:," '. -;,: ',.,.,. 􀀧􀀮􀁾􀀮􀀠',,:. 􀁾􀀠. 􀀺􀁾􀀺􀀺􀀠􀀺􀀧􀁍􀀹􀁊􀁩􀁬􀁪􀁬􀀻􀀺􀁾􀁾􀁾􀁊􀀡􀀺􀁅􀀻􀁑􀁉􀀧􀀡􀁁􀁃􀁅􀀠PEBIOD. 'With respect"'toanyinortgagee(ortrusteej' named' inthls",
. , .. " 􀀧􀀻􀀢􀀼􀀺􀁬􀁩􀁉􀁰􀁰􀁬􀁩􀁾􀁬􀁧􀁲􀀺􀀱􀀡􀁾􀁴􀁾􀁩􀁓􀀻􀀱􀀿􀁳􀁕􀁊􀁡􀁮􀁣􀁥􀀺􀁊􀁓􀁢􀁡􀁬􀁬􀁑􀁬􀀺􀀩􀁮􀁴􀁩􀁮􀁵􀁾􀁩􀁦􀀱􀁦􀁾􀁾􀁑􀁅􀀡􀁦􀀹􀁲􀀠􀁴􀁊􀀺􀀩􀁾􀀠􀁢􀁦􀁦􀁬􀁾􀁊􀁩􀁴􀁑􀁪􀀠􀁾􀁏􀁇􀁬􀁩􀁦􀁐􀀹􀁾􀁧􀁡􀁾􀀶􀁅
􀀡􀀠􀀨􀀿􀁲􀀡􀁲􀁬􀁬􀁾􀁴􀁾􀀩􀀧􀁦􀀹􀁲􀀮􀀠, .." , ., ..'.... 􀀳􀁑􀀬􀀹􀂧􀁾􀁾􀀡􀀡􀁦􀀡􀁉􀀹􀁾􀁭􀁡􀁬􀁨􀁮􀁧􀀠of,􀁷􀁑􀁾􀁮􀀠􀁮􀁯􀁴􀁕􀀿􀁾􀀠t() 􀁴􀁨􀁾􀀮􀁭􀀮􀁯􀀮􀁲􀀺􀁴􀁧􀁡􀁧􀁬􀁩􀁬􀁥􀀠􀀺􀀨􀁯􀁲􀁊􀁲􀀺􀁴􀁊􀀬􀁾􀁥􀁥􀀩..
􀁾􀁦􀀠􀁥􀁾􀁐􀁬􀁲􀁡􀁴􀁬􀁬􀀧􀀬􀁮OfthISp.oI.lcy,Thls" "¥(ILpr6vide .coverage for' approximately 30 daYs after, the policy expiration in ths., case ,of iii ,'ROr.i"reneWaI: ...., . . ....
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􀁾􀀮􀀬􀀺􀀬􀀠􀀭􀀧􀁾􀀢􀀠':n:', } 􀁾􀀻􀁓􀀻􀀻􀀬􀁎􀁏􀁎􀁐􀁉􀁓􀁃􀁉􀁩􀁬􀁉􀁍􀁉􀁎􀁁􀁔􀁉􀁏􀁎􀀮􀀠No person OJ 􀁯􀁾􀁧􀁡􀁮􀁩􀁺􀁡􀁴􀁩􀁯􀁮􀀠shall,beexqludedfiompaljiQJpating'il1.'.,S.rt de!;l.iEl.Gfithebenefits
of. or subjected to 􀁤􀁩􀁳􀁣􀁲􀁩􀁭􀁩􀁮􀁡􀁴􀁩􀁯􀀮􀁮􀁬􀁊􀁮􀁾􀁥􀁲􀀻􀁴􀁨􀁾􀁥􀁲􀀿􀁧􀁲􀁡􀁴􀁮,ljuthorif-ed by.tt)e, ..." .;, . . "" :;'."""A9J; 􀁏􀁾􀁦􀀱􀀬􀀮􀁴􀁉􀀻􀁬􀀡􀀡􀀬􀁧􀁲􀁯􀁵􀁮􀁤􀀠of race.,.coloII,creed
,.se.l(,.ageDrnatl.o(1al;ang)r;1.,·· . ',', "", 􀁾􀀠:::'. 􀀺􀀬􀁴􀁾􀀺􀁾􀁾􀀻􀁽􀀬􀀠.,'.;," 􀀩􀀬􀁾􀀧􀀺􀀧􀀺􀁟􀀻􀁩􀀺􀀬􀀬􀀺􀁾􀀠::-'. 􀀭􀀺􀁾􀁩􀀢􀀻􀁾􀀻􀁻􀀧􀀺􀀧􀀭􀀧􀀠",_,,':. " . '" ... '. ..'...
:.';"'. '," '. '.:. ,: "_:_ :', :',::':'> ,? '::'..';;It-: '.":<:: ::::'-􀀻􀀡􀀬􀀻􀀬􀀺􀀻􀀬􀁾􀀮􀀺􀁾􀀼􀀾􀀭􀀮􀀬􀀮􀀬􀀠'. ,􀀬􀁾􀀠';!t ;.''',",.J::>,.:,;: '. '. 􀀭􀀮􀀺􀀬􀀺􀀮􀁾􀀮􀀧􀀠'." 􀁾􀀧􀀢􀀠.,:
:􀁜􀀢􀁾􀀠•:'::U·;':i<PHI:YACY'ACT. The information.requested_ 'isneoess!uy to. 􀁰􀁲􀁯􀁣􀁥􀁓􀁳􀀬􀁹􀁯􀁵􀁲􀀺􀀬􀁡􀁰􀁾􀁬􀁩􀁣􀁡􀁴􀁩􀁯􀁮􀀺􀀻􀁦􀁑􀁲􀀠flood--. . . .• :' ,'•. 􀁊􀀡􀁍􀁾􀁾􀁾􀀻􀁩􀁾􀁾􀁉􀁗􀁾􀁃􀁾􀁉􀀬
􀀻􀁊􀀻􀁨􀀬􀁥􀀻􀀻􀁾􀁧􀁴􀁦􀁩􀀹􀁲􀀧􀁪􀀺􀁹􀁾􀁰􀁣􀀹􀁮􀁾􀁴􀁴􀁾􀁩􀁾􀁾􀀨􀁪􀁴􀁾􀁴􀁩􀁯􀁩􀀱􀀠is 􀁊􀁩􀁴􀁬􀁾􀀺􀀴􀁚􀀮􀀺􀁈􀁾􀁳􀁲􀁾􀀹􀀮􀂥􀁾􀀮􀀦􀁩􀁣􀁴􀁴􀁾􀁨􀀼􀁬􀀨􀀩􀀨􀀩􀀱􀀻􀁴􀁯􀀴􀀰􀀲􀀸􀀺􀀧Iti1l, , ..
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􀀧􀀮􀀢􀀮􀀺􀁩􀀻􀁾􀁾􀀬􀂷􀀺􀀡􀁬􀁧􀁾􀁦􀁬􀀻􀁴􀁾􀁾􀁲􀀺􀁑􀁾􀁽􀁩􀁾􀁾􀀠􀁾􀁓􀂧􀁲􀁳􀀮􀀠􀀬􀁴􀁑􀀱􀁙􀀹􀀮􀁬􀀡􀁲􀀮􀁾􀁾􀁮􀁴􀀠􀁡􀁢􀀹􀀬􀀻􀀻􀁾􀁾􀁾􀀺􀂥􀀬􀁭􀀬􀁾􀁾􀁾􀀬􀁾􀀹􀁾􀁾􀁾􀁨􀁾􀀺􀁴􀀻􀁾􀁒􀀻􀂥􀀧􀀿􀀧􀀧􀀭􀁬􀁷􀀺􀀻􀀬􀁾􀁾􀀡�
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􀁈􀁣􀀬􀁉􀁾􀁳􀀠􀁴􀁴􀀩􀁾􀀮􀁴􀀬􀁭􀁥􀀠􀁦􀁷􀁲􀁥􀁙􀀺􀀧􀁅􀁬􀁷􀁬􀁬􀀧􀀩􀁾􀀻􀀺􀀡􀁲􀁳􀀡􀁲􀁵􀁱􀁴􀁬􀀨􀀩􀁮􀁳􀀮􀀠. : : 􀀧􀁜􀀧􀁾􀀠-, searcliing existing data sources, gathering angma[ntaihing tinrdata
needed. and completing , '.' . 􀀧􀀬􀁾􀀧􀁾􀀺􀀻􀀠"and rs¥i9wintHt)i;3 forms, Sencj,comments 􀀧􀁲􀁅􀁬􀁧􀁡􀁲􀁤􀁩􀁩􀁪􀁧􀁾􀀠t,l;1e 􀁢􀁏􀁲􀁤􀁾􀁮􀀧􀀠estimate or 1l.ny aspecr-􀀻􀀧􀁾􀀬􀀠., •..
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􀀧􀀱􀁮􀁬􀁯􀁨􀀺􀁮􀁡􀀺􀁴􀁩􀁯􀁮􀁃􀁯􀁬􀁬􀁥􀁣􀁴􀁩􀀮􀁢􀁒􀁓􀁜􀀮􀁃􀁾􀀠" 􀀱􀁽􀁴􀀧􀁩􀁴􀀩􀀺􀁬􀁩􀁩􀁩􀁴􀁾􀁮􀁾􀁧􀁾􀁷􀁪􀁦􀁪􀁬􀀻􀀢􀁆􀀡􀀻􀁬􀁾􀁅􀁬􀁲􀁾􀁬􀀺􀁪􀀺􀀺􀁦􀁮􀁥􀁲􀁧􀁥􀁮􀀮􀁣􀁙􀀮􀀠􀁾􀁡􀁔􀀧􀁬􀁡􀁧􀁥􀁮􀀺􀁴􀁥􀁾􀁴􀀧􀁁�
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􀁾􀀻􀀴􀁾􀀬􀀠:..,􀀨􀁡􀁤􀁾􀀺􀁩􀀡􀁬􀁜􂂬􀀱􀀰􀀲􀀲􀀵􀀮􀀮􀀠Washing too, D:p. 20503:' , 􀀧􀀻􀀧􀀺􀀱􀀻􀁾􀁾􀁽􀁾􀁾􀁾􀀼􀀻􀀧􀀺􀁾􀀻􀁾􀀢􀀧􀀬􀀬􀀻􀀠'.. ". ....... ... . ..,.. .""" ............ >.,." ..
' .. 􀀩􀁩􀀧􀁦􀀩􀁾􀀡􀁾􀀺􀀠􀀬􀀮􀀺􀀸􀁾􀀬􀀻􀀮􀀬􀀬􀀱􀀶􀀬􀀨􀁣􀀸􀁡􀁲􀁴􀀠1.) '.' . , . Application 􀁦􀁯􀁾􀀠F_loo.d;JUlIl:lfanc!'!,... .,,,:tj.Q, Minutes.. . ' .,.. 􀀢􀀮􀀢􀀬􀀾􀀬􀀻􀀮􀀬􀁾􀀬􀀮􀀠'\"""
􀂷􀀢􀀬􀁾􀀬􀂷􀀺􀂷􀀭􀀬􀀬􀀺􀀬􀁣􀀺􀂷􀂷􀂷􀀬􀂷􀀠. '. -:,,-.,,' .• ,';1 􀀢􀀭􀂷􀀢􀀩􀁲􀁬􀁜􀁾􀀮􀀢􀂷􀀧􀀠: .•. .1'.;)_-, •• '-,",: .'>,.... ,--__ . 'j'" )" . 􀀺􀁓􀀱􀁾􀀱􀀠(l'.(Piirts·1 &2) Application
for Flood 􀁦􀀨􀁬􀁳􀁬􀀬􀁊􀁲􀁾􀁉􀁝􀁴􀀻􀁾􀀬􀀠'. . .',' 􀀬􀁪􀁾􀀻􀁩􀀮􀀿􀀧􀀺􀁉􀂷􀁬􀁉􀀱􀁩􀁮􀁵􀁴􀁥􀁳􀀮􀀬􀀠.. , . ·S1-'16.:(Reoewal) Application for Flood Insurance 7;5 Minutes 􀁓􀀱􀁾􀀱􀀶􀀠'(CondO
Master) . Application for Flood .Ios\.lrance .••11 ;5' Minutes ·NATION·Al FLOOD INSURANCE PROGRAM .. i'e: . -, , . -", 
FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADMINISTRATION .'I , DWELLING POLICY NATIONAL FWOD INSURANCE PROGRAM STANDARD FLOOD INSURANCE POLICY [Issued Pursuant to the National
Flood Insurance Act of 1968, or Any Acts Amendatory Thereof, and Applicable Federal Regulations in Title 44 of the Code of Federal Regulations, Subchapter B] 
SUMMARY OF STANDARD FWOD INSURANCE POLICY CHANGES I. The tenns of the Standard Flood Insurance Pol icy have been amended, effective June J. 1987. The following new provisions are being
brought to your attention: A. Condominium Residential Unit Owner Coverage: Coverage for condominium residentialllnit owners has been expanded to include assessments by their condominium
association for flood damages to buildings other than the building in which that nnjt is located. The expanded coverage applies only if all of the following three conditions are met:
1. The additional coverage ONLY applies to other buildings of the condominium that are covered by flood insurance in the name of the associationi 2. The association flood insurance coverage
MUST be National Flood Insurance Program (NFIp) business. This means Ille policy must have been written directly with the NFIP or with a Write Your Own Company; and 3. The association
flood insurance MUST be written in an amount which is at least equal to the actual cash value of an insured building's common elements or the maximum amount of NFIP insurance available
for that building. whichever is less. (See Article IV.A.I, Dwelling Form. There is no conespondingcbange to Ille Genera! Property Form.) B. Condominium Association Coverage: There is
no coverage for a condominium association for any loss or portion of any loss for which payment is made under any insurance in the name of a condominium unit owner. i.e" any member ofthe
condominium association. (See Paragraph 8 ofthe Condominium Endorsement at the end of the General Property Form. There is no corresponding change to the Dwelling Form.) n. COVERAGE EXPANDED
BY NEW LAW ON EROSION On February 5, 1988, President Reagan signed into law tlle UpIOn-Jones Amendment to the National Flood Insurance Act of 1968, which significantly alters Ille scopeof
coverage afforded by Ille Standard Flood Insurance Polley for certain risks. The Amendrnentexpands coverage under the National Flood Insurance Program to pay for the demolition or relocation
of insured buildings which are subject to imminent collapse or subsidence as a result of erosion or undennining caused by a body of water which exceeds its anticipated cyclical levels.
The coverage is SUbject to certain eHgibility requirements. and aU claims are subject to approval by the Federal Insurance Administration. For further information. please contact the
agent issuing your policy. lli. The tennsofthe Standard Flood Insurance Policy have been amended, effective October I, 1988. The following new coverage provisions are being brought to
your attention: A, Antique Value: A provision bas been added that any antique value ofitems is not covered, and antique furniture and antique silver have been deleted from a list of
items that are subject to a limitation of $250. The functional value of antique items will be covered. (See Insuring Agreement [il1lIllOOiately before Article IJ and Article N .C, Dwelling
Fonn; paragrapb immediately following the heading "GENERAL PROPERTY FORM" at the beginning of of the policy and Article IV.B.2, General Property Form.) B. Labor of Housebold Members,
Coverage is already provided in Ille Dwelling Form for tlle value oftlle insured's ownlabora! prevailing Federal minimum wage rates as part ofthe reasonable expense incurred by the insured
(1) in moving insured property temporarily from the imminent danger offlood (subject to a cap that is currently $500 for building and $500 fur contents), (2) for certain specified mitigative
measures, such as sandbags, in the event of imminent danger offlood (subject to a cap that is currendy $5(0), and (3) for the removal ofdebris directly caused by a flood. Coverage is
being expanded to include the value of the labor of members of Ille household at prevailing Federal minimum wage rates in all these caseS. (See definition of "Direct Physical Loss By
or From Flood in Article IT and Paragraphs A. 7and D of Article IV, Dwelling Fonn. This change does not apply to the General Property Form.) C. Elevated Building Coverage: The limitation
in coverage CUrrently applicable to all elevated buildings having enclosures, contents, machinery, building components, equipment or fixtures below the elevated floor has been revised
so that it will no longer be applicable to Pre-FIRM elevated buildings. This limitation in coverage will now only be applicable to Post-FIRM elevated bUildings, which are buildings for
which the start ofconstruction or 􀁳􀁵􀁢􀁳􀁴􀁡􀁮􀁴􀁩􀁡􀀱􀀱􀁭􀁰􀁲􀁯􀁶􀁥􀁾􀀠ment occurred on or after the effective date of the initial Flood Insurance Rate Map (FIRM) for Ille oommunity
in which Ille building is located Or occurred after December 31, 1974. if that is later. Substantial improvement means improvement or repair, the COSt of whicb isot least 50 %ofthe market
value of the building. (See Article V.F. and definition of "Post-FIRM building" in Article II, Dwelling Fonn and General Property FOlID.) D. Subsurface Water Destabilization: The liS!
oflosses noi covered bas been clarified by adding a specific exclusion for tOSS from the destabilization or movement of land resulting from the accumulation of water in subsurface land
areas. (See Article lILA. I. DweHing Fonn; Article m.D, General Property Form.) E. Exclusion of Walkways, Patios, Etc. : The coverage exclusion in the policy which was applicable to
., driveways and other surfaces outside the foundation walls of the building" has been revised to be applicable to "walkways, driveways, patios. and other surfaces. all ofwhatever kind
ofconstruction, located outside the perimeter. exterior walls of the insured bUilding." (See Article V .D, Dwelling Fonn; Article V.D, General Property Form.) F. Policy Renewal Grace
Period: Policies will be renewed with uninterrupted coverage so long as the renewal premium payment is received by the NFlP within 30 days of the expiration date of the policy being
renewed. without regard to when the payment was mailed. Previously. this time period was five days and the mailing had to be made prior to the expiration date. Mailing of the renewal
premium by certified certified mail prior to the expiration date ofthe policy being renewed win continue to provide uninterrupted coverage even when received more than 30 days after
the expiration date. (See Article vm.G, Dwelling Form; Article VIT.], General Property Form.) G. Duplicate Policies Not Allowed: When more than one policy per building is discovered
by the insurer. the insured will be given a written notice offering the option of which policy is to remain in effect and of increasing the coverage of the remaining policy by the coverage
amounts ofthe policy or policies being cancelled. Coverage increases are to be made effective as ofthe effective date of the later duplicate policy. The resulting coverage limits are
not to exceed the statutorily permissible limits under the Act or the insured's iosurable interest, whichever is less. (See Article vm.T, Dwelling Fonn; Article VII.X, General Property
Form.) IV. The insurance coverage provided to you and the premium are based 00 the description ofthe property contained on on your current insurance policy. Review the computer printed
Policy Declaration page, which recites the information you have furnished to us, to make sure the inrormation is correct. Your insurance protection can bejeopardized ifyou have made
alterations or substantial improvements to your buildIng which are not reflected on the policy and which are in violation ofyour community's floodplain management ordinances, This jncludes
such modifications as changing an unfinished basement into a totally or partially finished basement or. in some cases, enclosing an area beneath the lowest floor of an elevated building.
(See Article VIU.F, Dwelling Form; Article VII.B. General Property Form.) Contact your insurance agent about any changes so that the appropriate endorsement can be submitted to protect
your insurance coverage. If you have any questions about the new policy changes, please contact your local insurance agent. Tbe National Flond Insurance Program is a Federal program.
Willful misrepresentation of information by the insurance applicantor insurance agent is a criminal offense punishable by imprisorunent. fine, or both. 
I FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADMINISTRAllON STANDARD FLOOD INSURANCE POLICY [Issued Pursuant to the National Flood Insurance Act of 1968, or Any Acts Amendatory
Thereof] DWELLING FORM-INSURING AGREEMENT Agreement of Insurance Between the Federal Emergency Management . Agency (FEMA), as Insurer, (hereinafter known as "we," "our.to and i "us")
and the Insured (hereinafter known as "you" and "your"). Based I upon your having paid the correct amount ofpremium, our reliance on the accuracy of the infonnation and statements you
have furnished in the application for this policy about the property to be insured and subject to aU the terms of th., policy, the National Flood Insurance Act of 1968, as amend-I ed
(42 U,S,C. 4001 et seq" hereinafter called the Act), and regulations i. issued by us (Title 44 Code of Federal Regulations), we insure you and ARTICLE I-PERSONS INSURED We insure only:
A. The named Insured and legal representatives; B. Any mortgagee and toss payee named in the application and declaration page in the order of preccdence and to the extent of their interest
but for no more, in the aggregate, than the imerest of the named Insured. ARTICLE IT-DEFINITIONS •• Actual Cash Value" means [he replacement cost ofan insured item of property at the
time of loss. less the value of physical depredation as to the item damaged. ••Application" means the statement made and signed by you or your agent. and giving infonnation on the basis
ofwhich we determine the acceptability of the risk, the policy to be issued and lhe correct premium payment, which must accompany the appJication for the policy to be issued. The 􀁡􀁰􀁾􀀠plication
is a part of this flood jnsurance policy. •• Base flood" means the flood having a one percent chance of being equalled or exceeded in any given year. "Basement" means any area of the
building having its floor subgrade (below ground level) on all sides. "Building" means a waned and roofed structure. other than a gas or 􀁉􀁩􀁱􀁾􀀠uid storage tank, that is principally
principally above ground and affixed to a pennanent site. including a manufactured (i.e., mobiJe) home on a permanent foundation, subject to Article V(H), and a walJed and roofed building
in the course ofconstruction, alteration or repair. This policy does not cover more than one building. unless application to cover mare than one building is made on a form or in a fannat
approved for that purpose by the Administrator, "Cancellation" means that ending of the insuranee coverage provided by this policy prior to the expiration date. "Coastal High Hazard
Area" means an area subject to high velocity waters. including hurricane wave wash and tsunamis. "Declarations Page" is a computer generated summary of information furnished by you in
the application for insurance. The declarations page is a part of this flood insurance policy" ,.Direct Physical Loss By or From Flood" means any loss in the nature of actual loss of
or physical damage, evidenced by physical changes, to the insured property (building or contents [personal property]) which is directly and proximately caused by a "flood" (as defined
in this Agreement), while the insured proporty is located: I. at the property address shown on the application for this insurance, which is a part of this Agreement; and 2. for forty-five
days, at another place above ground level, or outside ofthe special flood hazard area. to which any ofthe insured property shall necessarily be removed by you in order to protect and
preserve it from flood or from the imminent danger of flood (provided. personal property so removed must be placed in a fuHy enclosed building orothelVlise reasonably your legal representatives
against all "Djrect Physical Loss by or from Flood... as defined in Article II ofthis Agreement, to the insured property. to the extent of the actual cash value. not including any antique
value, of the property at the time ofloss. but not exceeding the amount which it would cost to repair or replace the property with material of like kind and quality within a reasonable
reasonable time after the loss. Now therefore. in consideration of the foregoing and the mutual promises exchanged herein. we and you agree. further, as follows: protected from the elements
to be insured against foss). in which case the reasonable expenses incurred by you,lncluding the value ofyour own labor and the labor of members ofyour household at prevailing Federal
minimum wage rateS in moving any ofyour insured property temporarHy away from the peril of flood and storing this property at the temporary location (not eXCeeding 45 days) shall be
reimbursed to you for buildings in an amount up to the amount of the minimum building deductible and for contents in an amount up to the amount of the minimum contents "deductible. This
policy's deductible amounts. as provided for at Article VI, shaH not be applied to this reimbursement. but shall be applied to any other benefits under this poHcy's coverage. The term
• 'Direct Physical Loss By or From Flood" shall not include compensation for loss of access, loss of use, loss of profits, or loss resulting from interruption of business, professlon
or manufacture, or reimbursement for your additional living expenses, incurred by reason of your having to live in rented quarters while the insured building is being repajred Or replaced,
or allowance for any increased cost of repair or reconstruction as a result of any ordinance regulating reconstruction or repair, or othcr economic loss. "Dwelling" means abuilding designed
for use as a residence for no more than four families. "Expense Constant": The expense constant is a flat charge per policy term. paid by the Insured to defray the Federal Government's
policywriting and other expenses. "'Expiration Date" means the ending ofthe insurance coverage provided by this policy on the expiration date shown on the declaration page. "Flood":
Wherever in this policy the term "flood" occurs. it shall be held to mean: A, A general and temporary condition of partial or complete inundation of normally dry land areas from: t.
The overflow of inland or tidal watcrs. 2. The unusual and rapid accumulation or runoffofsurface waters from any source. 3. Mudslides (i.e. I mudflows) which are proximateJycaused by
flooding as defined In subparagraph A-2 above and are akin to :a river of liquid and flowing mud on the surfaces of normally dry land areas, including your premises. as when earth is
carried by acurrent of water and deposited along the path of the current. B. The collapse or subsidence of land along the shore ofa lake or other body of water as a result of erosion
or undermining caused by waves or currents of water exceeding the cyc!icallevels which result in flooding as defined in A-l above. "Manufactured home" means a building transportable
in one or more sections. which is built on a permanent chassis and designed to be used with or without a permanent foundation when connected to the required utilities, The term • 'manufactured
home" does not include park trailers. travel trailers, and other similar vehicles. To be eligible for coverage under this policy, a manufaClured home must bc on a permanent foundation
and 
if located in a FEMA designated Special Flood Hazard Area, must meet the requirements of paragraph H of Article V, HMobiJe horne" means a manufactured home. "Policy" means the entire
written contract between you and 􀁵􀁳􀁾􀀠it 􀁩􀁮􀁾􀀠eludes this printed fonn, the application, and declarations page. any endorsements which may be issued and any renewal certificates
indicating that coverage has been instituted for a new policy and policy term. Only onc building, specifically described by you in the application, may be insured under this policy.
unless application to cover more than one building is made on a form or in a format approved for that purpose by the Administrator. "Post-FIRM building" means a building for which the
start ofconstruction or substantial improvement occurred after December 3 J. J974, or on or after the effective date of the initial Flood lnsurance Rate Map (FIRM) for the community
in which the building is located. whichever is later. "Probation Additional Premium" means a flat charge per policy tenn paid by the Insured on an new and renewal 􀁰􀁯􀁬􀁩􀁣􀁩􀁾􀁳􀀠issued
covering p:openy in a community that has been placed on probatIon under the provlslOns of 44 CFR 59.24 on or afier October I, 1986. "Walled and Roofed" means the building has in place
two or more exterior, rigid walls and the roof is fully secured so that the building will resist flotation, coliapse and lateral movement. ARTICLE ill-LOSSES Naf COVERED We only provide
coverage fordireclphysicalloss by or from flood which means we do not cover: A. Losses from other casualties, including: !. Loss caused by theft. loss of profits. fire, windstorm. wind.
explosion. earthquake, land sinkage, land subsidence, landslide, destabilization or movement of land resulting from the accumulation of water in subsurface land areas, gradual erosion,
or any other earth movement except such mudslides (i.e., mudflows) orerosion as is covered under the peril of flood. 2. Loss caused (l) by raln, 􀁳􀁮􀁯􀁷􀁾􀀠sleet, hail or water 􀁳􀁰􀁲􀁡􀁹􀁾􀀠or
(ii) by freezing. thawing, the pressure or weight of ice or water. sewer backup or seepage ofwater unless your insured property has been. at the same time, damaged by a flood. 3. Water.
moisture or mudslide (i.e" mooflow) damage resulting primarily from any condition substantially confined to the insured building or from any condition which is within your control (including
but not limited to design. structural or mechanical defects. fai!ures. stoppages or breakages of water or sewer lines. drains. pumps, fixtures or equipment). B. Losses of the foHowing
nature: I. A loss which is already in progress as of 12:01 A.M. of the first day of the policy term. or, as to any increase in the limits of coverage which is requested. by you, a loss
which is already in progress when you request the additional coverage. 2. A loss from a flood which is confined to the premises on which your insured propeny is located unless the flood
is displaced over two acres of the premises. 3. A loss caused by your modification to the insured insured property or the described premises on which the insured property is located,
which materially increases the risk of flooding. 4. Loss caused intentionally by you or any member ofyour household. 5. Loss caused by or resulting from power. heating or cooling failure,
unless such failure results from physical damage to power, heating or cooling equipment situated on premises where the insured property is t0C3ted, caused by the peril insured against.
6. Loss to any building or contents located on property leased from the Federal Government, arising from or incident to the flooding of the property by the Federal Government, where
the lease expressly holds the Federal Government harmless, under flood insurance issued under any Federal Government program, from loss arising from or incident to the flooding of the
property by the Federal Government. ARTICLE IV-PROPERTY COVERED (Subject to "Property Not Covered" Provisions) W. will pay for physical damage caused by flood to the building at the
property address address you have furnished, as well as the contents ofthe building. if you have purchased contents coverage, and provided you have paid the correct premium for the insurance.
as follows: A. We cover your dwelling, which ineludes: 1. A residential building. designed for principal use as adwelling place for no more than four families; or we cover your dweHing
unit in a condominium building, along with your insurable tenant In common interest in that building's common eJements and the common elements ofany other building of your condominium
association covered by insurance that is: (i) in the name of your condominium association, (ii) provided under the Act. and (iii) in an amount at least equal to the actual cash value
of the building's common elements at the beginning of the current policy term or the maximum building coverage limit available under the Act. whichever is less; provided that the insurance
under this policy shall be excess over any insurance in the name of your condominium association covering the same property covered by this policy; provided, your condominium dwelling
unit is a residence designed for principal use as a dweHing place for no more than one family and it is so described in the Application; provided that. should the amount of insurance
collectible under this policy for a loss, when combined with any recovery available to you as a tenant in common under any condominium association flood insurance coverage provided under
the Act for the same loss, exceed the statutorily permissible limits of bunding coverage available for the insuring of single-family dwellings under the Act, then the limits of building
coverage under this policy shall be reduced in regard to that loss by the amount of such excess; 2. Additions and extensions attached to and in contact with the dwelling; 3. Building
equipment. fixtures and outdoor equipment used in 􀁣􀁯􀁮􀁮􀁥􀁣􀁾􀀠tion with the dwelling while stored inside the dweUing or another fully enclosed buUding at the property addressj 4.
Materials and supplies to be used in constructing, altering or repairing the dweIling or another building insured by us at the property address while stored inside a fully enclosed building
(i) at the property address or (ii) on an adjacent property at the time of loss, or (iii) in case of another building at the property address which does not have walls on all sides.
while stored and secured to prevent flotation out of the building during flooding (the flotation out of the bUilding shall be deemed by you and us to establish the conclusive presumption
that the materials and supplies were not reasonably secured to prevent flotation, in which case no coverage is provided for such materials and supplies under this policy). 5, As appurtenant
structures, detached garages and carpons located at the described premises. at your option at the time of loss. in an amount up to lO %ofthe amount ofinsurance you have purchased to
cover the dwelling. including additions to the dwelling; to the extent you exercise this option. you reduce the amount of insurance available to cover loss relating to A(J)(2)(3) and
(4), above, to the dwelling and this option may not be chosen so as to extend coverage to buildings: (i) occupied, rented or leased in whole or in part for dwellingpurposes (or held for such use), or (ii) used in whole or in part for personal or commercial manufacturing or farming purposes {or held for such uses), or (iii) which are boathouses.
6. A building in the course ofconstruction before it is walled and roofed subject to the foHowing conditions: (i) the amount of the deductible for each loss occurrence before the building
is walled and roofed is twO times the deductible which is selected to apply afier the building is walled and roofed; (ii) coverage is provided before the building is walled and roofed
only while construction is in progress, or jf construction is haIted, only for a period of up to 90 continuous days thereafter, until construction is resumed; and (iii) there is no coverage
before the building is walled and roofed where the lowest floor, including basement floor, of a non--elevated building or the lowest elevated floor of an elevated building is below the
base flood elevation in Zones AH, AEor Al-30 or is below the base flood elevation adjusted to include the effect of wave action in Zones VE or V 􀀱􀁾􀀳􀀰􀀮􀀠The lowest floor levels are
based on the bottom of the lowest horizontal structural member of the floor in Zones VE or V 1-30 and the top of the floor in Zones AH, AE or AI-30. 7, When the insurance under this
policy covers a building. the reasonable expenses incurred by you for the purchase of (J) sandbags, including sand to fiU them and plastic sheeting and lumber used in connection with
them, (ii) fill for temporary levees, (iii) pumps, and (iv) wood, all for the purpose of saving the building due to the imminent danger of a flood loss, induding the value of your own
labor and the labor of members of your household at prevailing Federal minimum wage rates. are a covered foss in an aggregate amount up to the amount amount of the minimum building deductible.
The policy's building deductible amount, as provided for at Article VI, shall not be applied to this reimbursement, but shall be applied to any other benefits under the policy's building
coverage. For reimbursement under this paragraph 7 to apply, the following conditions must be met: 0) The insured property must be in imminent danger ofsustaining flood 
I eat of flood damage must be of such imminence as to lead ommon prudence to apprehend flood damage; and !ral and temporary condition of flooding in the area must octhe flooding does
not reach the in,ured property, or a legally )fficial must issue an evacuation order oc other civil order forair lity in which the insured property is located calJing for measures os,
, life and property from the peril of flood. 's overyour Personal Property as contenls incidentaJ 10 the occupanIe Duilding as a dwelling under the pollcy, subject to 􀁾􀂷􀁃􀂷􀂷􀀠below)
.relonging to members of your family in your household and. at h Ion within the limits of contents coverage purchased for persona) e loss. guest,' and servants' personal property and
the personal propJthers for which you may be responsible-all while stored within g 109 at the property address, Personal property in the open and not in a building shall oot be covered
against loss by flend under this t. However, personal property located in buildings having in place emore rigid walls and a fully secured roof are covered if the contents !CUred 10 prevent
flotation out of the buildingduring flooding; the !lotaJut of the building during flonding ofany such contents shall be deem-t>y you and us to establish the conclusive presumption that
the contents ;re not reasonably secured to prevent flotatIon. At your option at the time .105S1 in an amount up to 10% of the amount of insurance you have pur.laSed to cover personal
property. this policy will also cover: 1. Loss to improvements. alterations, and additions made by you t as a fenant, to an insured building at the property address; Ii 2. Ifyou are
an individual condominium unit owner. loss to the interiorl walls, floors. and ceilings of your unit that are not otherwise covered under J a condominium association policy. f C. Limitations:
As a limitation on "a". above, we shall not reimburse 1 you for loss in anyone fiend as to the following personal property to the extent the total loss ofsuch property exceeds $250.00:
paintings. etchings, pictures, tapestries. art glass windows and other works of art (such as but/. not limited to statuary. marbles, bronzes, rare books). necklaces, bracelets, gems,
precious or semi-precious stones. articles of gold, silver. or platinum and furs or any article containing fur which represents its principal value. In the case of personal property
owned by you in a condominium building. as a dwelling unit owner, as well as in common with other dwelHng unit owners, shou1d the amount of insurance collectible under this policy for
a loss, when combined with any recovery available to you as a tenant in common under any condomininum association flood insurance coverage provided under the Act for the same loss, exceed
the statutorily permissible limits ofcontents coverage available for the insuring ofsingle-family dwelling owners under the Act, then the limits ofcontents coverage under this policy
shall be reduced in regard to that loss bytheamountofsuchexcess. D* Debris Removal: Within the limits of your coverage, we cover any expense you incur, including the value of your Own
labor and the labor of members ofyoU! household at prevailing Fedcral minimum wage rates, as a result of removing debris of, on or from the insured property so long as the debris problem
was directly caused by • flood, E. Demolition Coverage: Within the limits ofyour coverage, you may apply all or part of the proceeds of any flood insurance claim you make under this
policy toward the expenses you incur in removing damaged portions ofthe insured building from the property location following a fiend loss. ARTICLE V-PROPERTY N<Yr COVERED We do not
cover and will not pay for damage (0 or loss of any of the following: A. Accounts, bills, currency, deeds, evidenccs of debt, money, coins, medals. postage stamps. securities. bullion,
manuscripts. or other valuable papers or records and contents used in connection with any incidental commercial occupancy or use of the building. B. A building, and its contentsl located
entirely in, on, or over water or seaward of mean high tide, if the building was newly constructed or substantially improved on or afler October I, 1982. C, Fences, retaining wans. seawalls,
swimming pools, bulkheads. wharves, piers, bridges, docks; other open structures located on or over water, including boat houses or other similar structures Or buildings into whieh boats
are floated or personal property in the open. D, Land values, Jawn, trees, shrubs or piants, growing crops, or livestock; underground structures and equipment including wells, septic
tanks or septic systems; those portions ofwalks, walkways, driveways, patios, and other 􀁳􀁵􀁲􀁦􀁡􀁣􀁥􀁳􀁾􀀠all ofwhatever kind ofconstruction, located outside the perimeter. exterior
walls of the insured building. E. Animals, birds. fish; aircraft, any self·propelled vehicle or machine and motor vehicles (other than motorized equipment pertaining to the service of
the premises, operated principally on the premises of the 􀁪􀁮􀁳􀁵􀁲􀁥􀁤􀁾􀀠and not licensed for highway use) including their parts and equipment, trailers on wheels and other recreational
vehicles whether affixed to a permanent foundation or on wheels; watercraft including their furnishings and equipment; and business property. F. Enclosures, contents, machinery, building
components. equipment and fixtures located at an elevation lower than the lowest elevated floor of an elevated Post-FIRM building (except for the required utility connections and the
footing, foundation, posts. pilings, piers or other foundation walls and anchorage system as required for the support of the elevated PostFIRM building), including a manufactured (i.e.,
mobile) home; finishcd basement walls, floors. ceilings and other improvements to a basement having its floor subgrade on all sides (except for drywalls and sheetrock walls and ceilings,
whether finished or unfinished, all only to the extent ofreplacing them with unfinished [i.e .• nailed to framing but not taped Or otherwise finished with paint or other covering] drywall
or sheetrock ceilings or or walls. and except for fiberglass insulation), and contents, machinery. building equipment and fixtures in such basement areas; except that, as to this 􀁳􀁵􀁢􀁾􀀠paragraph
(F), coverage is provided in basement areas and in areas below the lowest elevated floor ofan elevated Post-FIRM building for sump pumPS• wen-water tanks, well-water tank pumps, oil
tanks and the oil in them, cisterns and the water in them. natural gas tanks and the gB..'\ in them, pumps and/or tanks used in conjunction with solar energy systems, furnaces. hot water
heaters, clothes washers and dryers, food freezerS and the food in them, air conditioners, heat pumps and el«trical junction and circuit breaker 􀁢􀁯􀁸􀁥􀁳􀁾􀀠and coverage is also provided
in basement areas and in areas below the lowest elevated floor ofan elevated Post-FIRM building for stairways and staircases attached to the building which are not separated from the
building by elevated walkways and for elevators and relevant equipment, except for such relevant equipment located below the base flood elevation if such relevant equipment was installed
on or after October i, 1987" G. Buildings and their contents. including machinery and equipment. which are part of the building. where more than 49 percent of the actual cash value of
such buiJdings is below ground, unless the lowest level is at or above the base flood elevation (in the Regular Program) or the adjacent ground level (in the Emergency Program) by reason
of earth having been used as an insulation material in conjunction with energy efficient building techniques. H. A manufactured (i.e., mobile) home located or placed withina FEMA designated
Special Flood Hazard Area that is not anchored to a permanent foundation to resist flotation, collapse, or lateral movement (i) by overthe-tap or frame ties to ground anchors or (ii)
in accordance with 􀁭􀁡􀁮􀁵􀁦􀁡􀁣􀁾􀀠turer's specifications or (iii) in compliance with thc community's flood plain management reqUirements, unless it jsa manufactured (i.e .• mobile)
home on a permanent foundation continuously insured by the National Flood Insurance Program at the same site at least since September 30. 1982, I. Units which are primarily containers.
rather than buildings (such as gas and liquid tankS). 1. A building, and its contents. newly constructed or SUbstantially improved on or after October I, 1983. in an area designated
as an undeveloped coastal barrier within the Coastal Barrier Resources System established by the Coastal Barrier Resources Act (Pob. L. 91-348). ARTICLE VI-DEDUCTIBLES A, Each loss to
your insured property is subjcct to a deductible provision under which you bear a portion ofthe loss before payment is made under the policy. B. The loss deductible shall apply ,epnrately
to each building loss and contents (personal property) loss includjng. as to each. any appurtenant structure loss and debris removal expense. C. The amount ofthe deductible for each
loss occurrence is determined a, follows: we shall be liable only when such loss exceeds $500.00, orthe amount ofany higher deductible whieh you selectnd when you applied for this insurance
or when you raised the deductible by endorsement. ARTICLE VII-REPLACEMENT COST PROVISIONS Subject to Article VI and the limits of building coverage you have purchased, these provisions
shalI apply only to a Single Family Dwelling which is the principal residence of the insured and which is covered under this 
policy. Outdoor antennas and aerials, carpeting. awnings, appliances and other outdoor equipment, all whether attached to the insured building or not. are excluded from the replacement
cost coverage. For purposes of this Article VII, a single family dwelling qualifies as your principal residence provided that, at the time ofthe loss. you or your spouse have lived in
your building for either (1) 80% ofthe calendarycar immediately preceding the loss or (2) 80% of the period of your ownership of the insured building, if less than one calendar year
immediately preceded the loss. For purposes of this Article, the replacement cost provisions do not apply to a condominium unit within a vertical building having one or more condominium
units in it not contiguous to the ground. Under this Article: A. If at the time of loss the total amount of insurance applicable to said dwelling is 80% Or more oftbe full replacement
cost of such dwelling, or is the maximum amount of insurance available under the National Flood Insurance Program. the coverage of this policy applicable to such dwelling is extended
to include the full cost of repair or replacement (without deduction for depreciation). B. Ifat the time of loss the total amount of insurance applicable to said dwelling is less than
80% ofthe full replacement cost of such dwelling and less than the maximum amount of insurance available under the National Flood lru.urance Program, our liability for loss under this
policy shaH not exceed the larger of the following amounts: 1, The actual cash value (meaning replacement cost less depreciation) of that part of the dweUing damaged or destroyed; or
2. That portion of the full cost of repair or replacement without deduction for depreciation of that part of the dwelling damaged or destroyed, which the total amount of insurance applicable
to said dwelling bears to 80% of the fun replacement cost of such dwelling. If 80% of the full replacement cost of such dwelling is greater than the maximum amount of insurance availabJe
under the National Flood Insurance Program, use the maximum amount in Heu of the 80% figure in the application of this limit. C. Our liability for loss under this policy shall not exceed
the smallest of the following amounts: 1, The limit of Hability of this policy applicable to the damaged or destroyed building; 2. The replacement cost of the dwelHng or any part thereof
identical with such dwelling on the same premises and intended for the same occupancy and use; or 3. The amount actually and necessarily expended in repairing or replacing said dwelling
or any part thereof intended for the same occupancy and use, D. When the full cost of repair or replacement is more than $1.000 or more than 5% of the whole amount of insurance applicable
to said dwelling, we shaH not be liable for any loss under paragraph A or subparagraph B-2 of these provisions un1ess and until actual repair or replacement is completed. E. In determining
if the whole amount of insurance appJicable to said dwelling is 80% or more ofthe ful! replacement replacement cost ofsuch dwelling, the cost ofexcavations. undcrground flues and pipes.
underground wiring and drains, and brick, stone and concrete foundations, piers and other supports which are below the under surface of the lowest basement floor. or where there is nO
basement. which are below the surface ofthe ground inside the foundation walls, shall be disregarded. F. You may elect to disregard this condition in making c1aim hereunder1 but such
election shall not prejudice your right to make further claim within 180 days after loss for any additional liability brought about by these provisions. G, These Replacement Cost Provisions
do not apply to any manufactured (i.e.'t mobile) home which when assembled is not at least 16 feet wide or does not have an area within its perimeter wans of at least 600 square feet
or personal property (contents) covered uoderthis policy, nordo they apply to any 10ss where insured property is abandoned and remains as debris at the property address following a loss.
H. If your dwelling sustains a total loss or if we should pay you [he entire building toss proceeds under these replacement cost provisions, there is no requirement that you rebuild
the building at the insured property address. I. Ifthe community in which your property is located has been converted from the Emergcncy Program to the Regular Program during the current
policy term, then these ReplacernentCost Provisions shall be applied based on the maximum amount of insurance available under the National Flood Insurance Program at the beginning of
the current policy tenn instead of at the time of loss. ARTlCLEvm-GENERAL CONDITIONS AND PROVISIONS A. Pair and Set Clause! lfyou lose an article which is part of a pair or set, we wilt
have the option of paying you an amount equal to the COst of replacing the tost article. less depreciation, or an amount which represents the fair proportion of the total value of the
pair or set that the lost article bears to the pair or set. B. Concealmentt Fraud: We will not cover you under this policy, which shall be void, nor can this policy be renewed or any
new flood insurance coverage be issued to you ifyou have swOrn falsely. or willfuJly concealed or misrepresented any material fact, or done any fraudulent act concerning this insurance
{See "F", below). In addition, we will not cover you under this policy. which shaH be void, in the event you have willfully concealed or misrepresemed any fact on a "Recertification
Questionnaire" 􀁾􀀠which causes us to issue a policy to you based on a premium amount which is less than the premium amount which would have been payable by you were it not for the misstatement
of fact (see <'G", below), C, Other Insurance: We shaU not be liable for a greater proportion of any loss, less the amount of deductible, from the peril of flood than the amount of insurance
under this policy bears to the whole amount of flood insurance (excluding therefrom any amount of "excess insurance" as hereinafter defined) covering the property. or which would have
covered the property except for the existence of this insurance, whether collectible or not. In other words. if you obtain additional flood insurance to cover the structure insured by
this policy beyond that obtained under 􀁴􀁨􀁥􀁡􀁵􀁴􀁨􀁯􀁲􀁩􀁾􀀠ty ofthe National Flood lnsurance Actof 1968, as amended, then you must acquire the maximum amount of available flood insurance
under said Act in order to avoid the imposition of proration as described in the preceding sentence. In the event that the whole amount offlood insurance (excluding therefrom any amount
of "excess insurance>' as hereinafter defined) covering the property exceeds the maximum amount of insurance peonitted under the provisions oftile National Flood Insurance Act of 1968,
or any acts amendatory thereof. it is hereby understood and agreed that the insurance under this policy shall be limited to a proportionate share of the maximum amount of insurance pennitted
on such property under said Act, and that a refund of any extra premium paid, computed on a pfO..rata basis, shaH be made by us upon request in writing submitted not later than 2 years
after the expiration of the policy term during which such extra amount of insurance was in effect. "Excess Insurance" as used herein shall be held to mean insurance of such part oftheactual
cash value ofthe property as is in excess ofthe maximum amount of insurance peonined under said Act with respect to such property. D. Amendments, Waivers, Assignment: This Standard Flood
Insurance Policy cannot be amended nor can any ofits provisions be waived without the express written consent of the Federal Insurance Administrator. No action we take under the teons
of this policy can constitute a waiver ofany of our rights, Except in thecaseof(l) a contents only policy and (2) a policy issued to cover a building in the course of consrruction, assignmen[
ofthis policy, in writing, is allowed upon transfer of title, E, Cancellation of Policy By You, You can cancel this policy at any time but a refund of premium money will only be made
to you when: a, You cancel because you have transferred ownership of the insured property to someone e1se.In this case, we will refund to you, once we receive your wriUen request fur
canceUation (signed by you), the excess ofpremiums paid by you which apply to the unused portion of the policy's term, prorata but with retention of the expense constant. b, You cancel
because we have determined that your property is not, in fact, in a special flood hazard area; and you were required to purchase flood insurance coverage by a private lender or Federal
agency pUrsuant to P.L. 93-234, §J02; and the lender or Federal agency no longer requires the retention by you of the coverage, In this event, if no claims have been paid or are pending.
your premium payments will be refunded to you in full, according to our applicable regulations. c. You cancel a policy having a term of three (3) years. on an anniverw sary date, and
the reason for the cancellation is: (i) A poHey of flood insurance has been obtained or is being obtai
ned in substitution for this policy and we have received a written concurrence in the canceUation from any mortgageeofwhich the NFIP has acruaillOlice. or (it) you have extinguished
the insured mortgage debt and are no longer required by the mortgagee to maintain the coverage. Refund ofany premium. under this subparagraph "e". shall be pro rata but with retention
of the expense constant. F. Voidance, Reduction or Reformation or the Coverage By Us: I. Voidance: This policy shall be void and of no legal foree and effect in the event that anyone
of the fonowing conditions occurs: a. The property listed on the application is not eligible for coverage, in I which case the policy is void from its inception; b. The community in
which the property is located was not participating I in the National Flood Insurance Program on the policy's inception date and did not qualify as a participating community during the
policy's term and 1 before the occurrence of any loss for which you may receive compensation under the policy. in which case the policy is void from its inception date; c. If. during
the tenn of the policy, the participation in the National Flond 1 Insurance Program of the community in which your property is located ceases, in which case the policy shall be deemed
void effective at the end i ofthelast day of the policy year in which such cessation occurred and shall not be renewed; in the event the voided policy included three policy years in
a contract tenn of three years. you shall be entitled to a pro-rata refund of any premium applicable to the remainder of the policy's term after voidance of tbe policy; d. In the event
you oryour agent have (i) sworn falsely or (ii) fraudulently or willfully concealed or misrepresented any material fact (inclnding facts relevant to the rating of this policy) in theapplkation
for coverage. or upon any renewal of coverage, or in connection with the submission of any claim brought under the policy. in which case this entire policy shaH be void as of the date
the wrongful act was committed or from its inception ifthis policy is a renewal policy and the wrongful act occurred in connection with an application for or renewal or endorsement of
a poUcy issued to you in a prior year and affects the rating of or premium amount received for this policy. Refunds ofpremiums, if any. shall be subject to offsets for our ad· ministrative
expenses (including the payment of agent's commissions for any voided policy year) in connection with the issuance of the policYi e, The premium you submit is less than the minimum premium
set forth in 44 CFR 61.10 in connection with any application for a new policy or policy renewaJ. in which case the policy is void from its inception date. 2. Reduction of coverage limits
or refurmation: In the event that the premium payment received by us is not sufficient to purchase the amounts of building coverage and conrents (personal property) coverage requested
or in theevent a rating error has been innocently made by you or your agent on the application, 􀁲􀁥􀁮􀁥􀁷􀁡􀁬􀁾􀀠endorsement, or other fonn (whether evident or not) resulting in insufficient
premium being received by us for the 􀁰􀁵􀁲􀁾􀀠chase of the amounts of coverage requested. then: (i) If the insufficient premium or other rating error is discovered by us prior to a
loss under the policy. the policy shall be deemed to provide only such coverage as can be purchased, for the entire term of the pOlicy. for the amount of premium received; provided,
you may increase any reduced coverage(s) at any time by payment of the correct premium for the additionallimits of coverage requested and any such correct premium received by us prior
to any loss under the policy shall result in coverage being provided for the loss up to the additional amount of coverage requested by you. The application of the insufficient premium
received to the provision .. of flond insurance coverage shall be made as follows: a. In the event that only one kind of coverage (building coverage or contents coverage) has been requested,
you shall receive the limits of that kind I of coverage which can be purchased for the amount of premium received, I less the expense 􀁣􀁯􀁮􀁳􀁴􀁡􀁮􀁴􀁾􀀠b. In the event that both building
coverage and contents coverage have I been requested. we shall detennine the percentage ratio that each kind of insurance bears to the total amount of coverage requested. apportion the
total premium received by the percentage ratio for each kind ofcoverage, and you shall receive, as to each kind of coverage requested. the amount of coverage which can be purcbased by
the premium amount as apportioned foreacb kind of 􀁣􀁯􀁶􀁥􀁲􀁡􀁧􀁥􀁾􀀠where both building and contents coverage are requested and where the application of the above percentage ratio
causes the premium receiVed, as apportioned by the ratio, to produce an amount of premium for one of the kinds of coverage to be more than sufficient to purchase the amount of insurance
of that kind of coverage requested by I you, any such excess of apportioned premium will be applied to obtain an additional amount ofthe other kind of coverage until the amoUnt of insurance
requested for the other coverage is obtained; c. Provided. however, under this subsection (2.)(i) as to any mortgagee (or trustee) named in the policy, we shall give a notice of additional
premium due and the right of reformation shall continue in force for the benefit only of the mortgagee (or trustee), up to the amount of your indebtedness, for thirty (30) days after
written notice to the mortgagee (or trustee). (ii) If the insufficient premium or other rating error is discovered by us at the time of a loss under the policy, the policy shall be deemed
to provide coverage pursuant to the provisions of (i), above, unless: a. You or your agent has sworn falsely or fraudulently Or willfully concealed or misrepresented any material fact
(including facts relevant to the rating of this policy) in the application for coverage. or upon any renewal of coverage, or in connection with the submission of any claim brought under
this policy, in which case this entire policy shaH be void as of the date the wrongful act was committed or from its inception if this policy is a renewal policy and the wrongful act
occurred in connection with an application for or renewal or endorsement of a policy issued to you in a prior year and affects the rating of or premium amount received for this policy.
Refunds of premiums. if any. shall be subject to offsets fur our ad· ministrative expenses (induding the payment of agent's commissions for any voided policy year) in connection with
the issuance of the policy; Or b, Provided (ij)(a) above does: not apply, you remit and we reccive the additional premium required to purchase (for the current policy term and the previous
policy term, if then insured) the limits of coverage for each kind of coverage as was initially requested by you within thirty (30) days from the date we give you written notice of additional
premium due, in which case the policy shall be reformed. from its inception date. to provide flood insurance coverage to you in the amounts of coverage initially requested, Silence or
other failure to remit the additional premium required or non-receipt ofsuch premium by us within thirty (30) days from the date of notice of premium due shall be deemed to be refusal
to pay the addi· tional premium due and any subsequent payment of the additional premium due shall not refonn tbe policy from its inception date but shall only add the additional amounts
of coverage to the policy for the remainder of its tenn. pursuant to 44 CFR 61.] 1, with any excess of premium paid being returnedto you. Provided, however, under this subsection "b" as to any mortgagee (or trustee) named in the policy, we shall give a notice of additional premium due and the right of refonnation
shall continue in force for the benefit only of the mortgagee (or trustee), up to the amount of your indebtedness. for thirty (30) days after written notice to the mortgagee (or trustee):
provided, further, we are under no obligation to send you any written notice of additional premium due or notice of premium due under this subsection. G. Policy Renewal: The tenn of
this policy commences on its inception date and ends on its expiration date, as shown on the "Declaration Page" which is attached to the policy. We are under 00 obligation to send you
any renewal notice or other notice that your poHc)' term is coming to an end and the receipt of any such notiee by you shall not be deemed to be a waiver ofthis provision on our part.
Weare under no obligation to assure that policy changes reflected in endorsements submitted by you during the policy term and accepted by us are included in any renewal notice or new
policy which we send to you. "Policy changes" includes the addition by you ofnew coverage (e,g. contents coverage added toa building coverage poliCy Or vice versa) or any increases in
the amounts of coverage. This policy shall not be renewed and the coverage provided by it shall not continue into any successive policy term unless the renewal premium payment is received
by us at the office of the NFIP within 30 days of the expiration date of this policy. subject to Article Vill. F. above. If the renewal premium payment is mailed by certified mail to
the NFIP prior to the 􀁥􀁸􀁾􀀠piration date. it shall be deemed to have been received within the required 30 days. The coverage provided by the renewal policy is in effect for any toss
occurring during this 30-day period even if the toss occurs before the renewal premium payment is received. so long as the renewal premium payment is received within the required 30
days. In all other cases, this policy shaH terminate as of the expiration date of the last policy tenn for which the premium payment was timely received at the office of the NFIP, and
in that event. we shall nor be obligated to provide you with any cancellation. termination, policy lapse, or policy renewal notice advising you of any such cancellation, tennination,
policy lapse, or policy renewal; provided. however with respect to any mortgagee (or trustee) named in the 
declarations form attached to this poHcy. this insurance shaH eontinue in force only for the benefit of such mortgagee (or trustee) for 30 days after written notice to the mortgagee
(or trustee) oftennination of this policy. and shall then terminate. In connection with the renewal ofthis policy. you will be requested 􀁤􀁵􀁲􀁾􀀠ing the pol icy term to recertify,
on a Recertification Questionnaire we wiH provide you, the rating information used to rate your most recent application for or renewal of insurance. Notwithstanding your responsibility
to submit the appropriate renewal premium in sufficient time to permit its receIpt by us prior to the expiration ofthe policy being renewed t we have established a business procedure
for mailing renewal notices to assist insureds in meeting their responsibility. Regarding our business procedure. evidence of the placing of any such notices into the U.S. Postal Service,
addressed to you at the address 􀁡􀁰􀁾􀀠pearing on your most recent application or other appropriate fonn (received by the NFIP prior to the mailing of the renewal notice by us). does,
in all respects, for purposes of the NFIP presumptively establish delivery to you for all purposes irrespective of whether you actuaUy received the notice. However. in the event we determine
that. through any 􀁣􀁩􀁲􀁣􀁵􀁭􀁳􀁴􀁡􀁮􀁣􀁥􀁳􀁾􀀠any renewal notice was not placed into the U.S. Posta! Service. or. ifplaced, was prepared or addressed.in a manner which we determine
could preclude the likelihood of it being actually and timely received by you prior to the due date for the renewal premium, the following procedures shall be followed: In the event
that you or your agent notifies us not later than one year after the date on which the payment ofthe renewal was due. ofa nonreceipt of a renewal notice prior to the due date for the
renewal premium. which we determine was attributable to the above circumstances, we shaH mail a second bill providing a revised due date, whieh shall be thirty days after the date on
which the biH is mailed. If the renewal payment is received by such revi,edduedate. the policy shall be renewed asofthedateon which the prior policy would have expired. If the renewal
payment requested by reason ofthe second biU is not received by the revised due date. no renewal shall occur and the policy shall remain an expired policy as of the expiration date prescribed
on the policy. H. Alterations and Repairs: You may. at any time and at your own 􀁥􀁸􀁾􀀠pense. make alterations. additions and repairs to the insured property and complete structures
in the course of construction. I, Requirements in Case of Loss, Should a flood loss occur to your in· sured property, you must: 1. Notify us in writing as soon as practicable; 2. As
soon as reasonably possible1 separate the damagcd and undamaged property. putting it in the best possible order so that we may examine it; and 3. Within 60 days after the loss, send
us a proof of loss. which is your statement as to the amount you are claiming under the policy signed and swom to by you and furnishing us with the following infonnation: a. The date
and time of the loss, b, A brief explanation of how the loss happened, c. Your interest in the property damaged (for example. "owner") and the interests. if anyJ of others in the damaged
property, d. The actual cash value ofeach damaged item of insured property after dapreciation is deducted from theCOS! ofreplaeementofthe property (unless the policy's "REPLACEMENT COST
PROVISIONS" apply, in which case the replacement cost without allowance for depreciation should be furnished) and the amount of damages sustained? e. Names of mortgagees or anyone else
having a lien, charge or claim against the insured property, f. Details as to any other contracts of insurance covering the property, whether valid or not, g. Details of any changes
in ownership. use, occupancy. location or possession of the insured property since the policy was issued, h. Details as to who occupied any insured building at the time of loss and for
what purpose, and i. The amount you claim is due under this policy to cover the loss. including statements concerning: {iJ The limits of coverage stated in the policy, (;;) The cost
to repair or replace the damaged property (whatever costs less). 4. 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 to 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 Joss even if the adjuster does not
furnish the form or help you complete it. In completing the proof of loss. you must use your own judgment concerning the amount of loss and the justification for that amount; the adjuster
is not authorized to approve or disapprove claims or to tell you whether your claim will be approved by us. S. We may. at our option. waive the requirement for the completion and filing
of a Proof of Loss in certain eases. in which event you will be required to sign and. at our option, swear to an adjuster's report ofthe Joss which includes infonnation about your loss
and the damages needed by us in order to adjust your claim; 6. Any false statements made in the course of presentment of a claim under this policy may be punishable by fine or imprisonment
under the applicable Federal Laws. J. Our Options After a Loss: Options we may, in our sole discretion, exercise after loss include the following: I. Evidence of Loss: If we specifically
request it. in writing, you may be required to furnish us with a complete inventory ofthe destroyed, damaged and undamaged property 􀁾􀀠including details as to quantities, costs, 􀁡􀁣􀁾􀀠tual
cash values, amounts ofloss claims, and any writtcn plans and specifications for repair of the damaged property which you can make reasonably available to us. 2. Examination Under Oath:
We may require you to show us or our designee, thedamaged property, to be examined under oath by OUr designee and to sign any transcripts of such examinations; to, at such reasonable
times and places as we may designate, permit us to examine and make extracts and copies of aU books of accounts, bilIs, invoices and other vouchers, or certified copies thereof if the
originals are lost, pertaining to the damaged property. 3. Options to Repair or Replace: We may lake all or any part of the damaged property at the agreed or appraised value and. also.
[0 repair, rebuild or replace the property destroyed or damaged with other of like kind and quality within a reasonable time. on giving you notice of our 􀁩􀁮􀁾􀀠tention to do so within
30 days after the receipt of the proof of loss herein required under "I", above. 4. Adjustment Options: We may adjust loss to any insured property of others with the owners of such property
or with you for their account. Any such insurance under this policy shaH not inure directly or indirectly to the benefit of any carrier or other bailee for hire. K, When Loss Payable:
Loss is payable within 60 days after you file 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 ascertainment ofthe loss is made either by agreement between us and you expressed in writing or by the filing with us of an award as provided in paragraph ·'M'·. below.
Ifwe reject your proofoflO$s in whole or in part, you may accept such denial of your claim, or exercise your rights under this policy, or file an amended proof of loss as long as it
is filed within 60 days of the date of the loss or any extension of time alJowed by the Administrator. L. Abandonment: You may not abandon damagcd or undamaged insured property to us.
However) we may permit you to keep damaged, insured property ("salvage") after a loss and reduce the amount of the loss procneds payable to you under the poliey by the value of tbe salvage.
M. Appraisal: If at any time after a Joss, we are unable to agree with you as to the actual cash value-or, ifappl icable, replacement cost-ofthe damaged property so as to determine the
amount ofloss to be paid to you, then, on the written demand of either one of us, each of us shan select a competent and disinterested appraiser and notify the other ofthe appraiser
selected within 20 days of such demand. The appraisers shall first select a competent and disinterested 􀁵􀁭􀁰􀁩􀁲􀁥􀁾􀀠and failing, after 15 days, to agree upon such umpire. then, on
your request or our request, such umpire shall be selected by a judge of a court of record in the State in which insured property is located. The appraisers shall then appraise the loss\
stating separately replacement cost, actual cash vaIue and loss to each Item; and. famag to agree, shall submit their differences, only, to the mnpire. An award in writing. sO itemized,
of any two (appraisers or appraiser and umpire) when filed with us shall determine the amount ofactual cash value and loss or, should this policy's replacement cost provisions apply.
the amount of replacement cost and loss. Each appraisershall be paid by the party selecting him and the expenses of appraisal and umpire shall be paid by both of us equally. N. Loss
Claus.: If we pay you for damage to property sustained in a 
flood loss. you are still eHgihle, during the term of the poJicYt to collect for a subsequent loss due to another flood. Of course; all Joss arising out of a single, continuous flood
of Jong duration shall be adjusted as one flood loss. O. Mortgage Clause: (Applicable to building coverage only and effective only when policy is made payable to a mortgagee (or trustee)
named in the application and declaration form attached to this policy or of whom the Insurer has actual notice prior to the payment of loss proceeds under this policy), Loss, ifany,
under this policy. shan be payable to the aforesaid as mortgagee (or trustee) as interest may appear under an present or future mortgages upon the property described in which the aforesaid
may have an interest as mortgagee (or trustee), in order of precedence of said mortgages, and this insurance, as to the interest of the mortgagee (or trustee) only therein. shall not
be invalidated by any act or neglect of the mortgagor or owner ofthe described property, nor by any foreclosure or other proceedings or notice ofsale relating to the property, nor by
any change in thetille orownership of the property. nor by the occupation of the premises for purposes more hazardous than are permitted by this policy; provided, that in case the mortgagor
or owner shall neglect to pay any premium due under this policy, the mortgagee (or trustee) shall, on demand, pay the same. Provided. also, that the mortgagee (or trustee) shall notify
the Insurer of any change of ownership or occupancy or increase of hazard which shall come to the knowledge of said mortgagee (or trustee) and. unless permit· ted by this policy, it
shall be noted thereon and the mortgagee (or trustee) shall, on demand, pay the premium for such increased hazard for the tenn of the use thereof; otherwise this policy shall be null
and void, If this poHcy is cancelled hy the Insurer, it shaH continue in force for the benefit only ofthe mortgagee (or trustee) for 30days after written notice to the mortgagee (or
trustee) ofsuch cancellation and shall then cease, and the Insurer shan have the right, on like notice, to cancel this agreement. Whenever the Insurer shall pay the mortgagee (or trustee)
any sum for loss under this policy and shall claim that, as to the mortgagor or owner. no liability therefor existed, the Insurer shall, to the extent of such payment, be thereupon legally
subrogated to all the rights of the party to whom such payment shall be made, under all securities held as collateral to the mortgage debt, or may, as its option, pay to the mortgagee
(or trustee) the whole principal due or to grow due on the mortgage with interest, and shall thereupon receive a full assignment and transfer of the mortgage and of all such other 􀁳􀁥􀁣􀁵􀁲􀁩􀁴􀁩􀁥�
�􀁾􀀠but no subrogation shall impair the right of the mortgagee (or trustee) to recover the fujI amount of said mortgagee's (or trustee's) claim. P. Mortgagee Obligations: Ifthe insured
fails to render proof of loss, the named mortgagee (or trustee) upon notice, shall reader proof of loss in the form herein specified within 60 days thereafter and shall be subjeet to
the proviSions of this policy relating to appraisaJ and time of payment and of bringing suit. Q. Conditions for Filing a Lawsuit: You may not sue us to recover money uader this policy
unless you have complied with all the requirements ofthe policy, Ifyou do sue. you must start the suit within twelve (12) months from the date we mailed you notice that we have denied
your claim. or part cfyour claim, and you must file the suit in the United States District Court for the district in which the insured property was iocatedat the time of loss, R. 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 totany 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 which would prevent us from recovering it. If you make aoy 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. S. Continuous Lake F1ooding: Where the insured building has been inundated by
rising lake waters continuously for 90 days or more and it appears reasonably certain that a continuation of this flooding will result in damage, reimbursable under this policy. to the
insured building equal to or greater than the building policy limits plus the deductible or the maximum payable under the polic}l for anyone 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 (i) to make no further claim under this policy, (ii) not to seek renewal ofthis policy,
and (iii) not to apply for any flood insurance under the Natinnal Flood Insurance Act of 1968. as amended, for property at the property location of the insured building. If tbe policy
term ends before the insured building has been flooded continuously for 90 days, the provisions of this paragraph S still apply so long as the first building damage reimbursable under
this policy from thecontinuous flooding occurred before the end of the policy term, T. Duplicate Policies Not Allowed: Property may not be insured under more than one poHcy issued under
the Act. When we find that duplicate policies are in effect, we shall by written notice give you the option of choosing which policy is to remain in effect. If you choose to keep in
effect the policy with the earlier effective date; we shall by the same written notice give you an opportunity to add the coverage limits of the later policy to those of the earlier
policy, as of the effective date of the later policy, If you choose to keep in effect the policy with the latereffeetive date, we shell by the same written notice give you the opportunity
10 add the coverage limits of the earlier policy to those of the later policy, 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 shall the resulting coverage limits exceed the statutorily pennissible limits ofcoverage under the Act or
your insurable interest, whichever is less. We shall malee a refund to you, according to applicable NFIP rules, of the premium for the policy not being kept in effect. For purposes ofthis
paragraph T l the term "effective date" means the date coverage that has been in effect without any Japse was first placed in effect. ]n addition to the provisions of this paragraph
T for jncreasing policy limits, the usual procedures for increasing policy Hmits by mid-term endorsement or at renewal time. with the appropriate waiting period, are applicable to the
policy you choose to keep in effect, ARTICLE IX-LIBERALIZATION CLAUSE While this policy is in force, should we have adopted any forms, endorsements, rules or regulations by which this
policy could be broadened or extended for your benefit by endorsement or substitution of policy form. then, such matters shall be considered to he incorporated in this policy without
additional premium charge and shall inure to your henefit as thOUgh such endorsement or substitution of policy form had been made. ARTICLE X-WHAT LAW GOVERNS This policy is governed
by the flood insurance regulations issued by FEMA, the National Flood Insurance Act of 1968. as amended (42 U,S,C,§400I. et seq,) and Federal COmmOn law. IN WITNESS WHEREOF, we have
signed this policy below and hereby enter into this Insurance Agreeme!lt, C. M, "BUD" SCHAUERTE Administrator. Federal fusurance Administration 
, , PROCEDURES IN CASE OF A FLOOD For the proteetion of you and your family, the foHowing tips are suggested as guidelines by the National Flood Jnsurance Program. Ifyou are ever in
doubt as to what action is needed, eonsult your insurance agent or call the NFIP tolUree at 1-800-638-6620 or on the TDDline 1-800-447-9487. Know your agent's name and phone number.
List them here for fast reference: Agent _______________________ Phone Number ______________________ • Please notify your insurance agent as soon a"i possible tlfter the flood; • Remind
your agent Lo assign the claim to an approved NFIP claims 􀁡􀁤􀁪􀁵􀁳􀁴􀁥􀁲􀁾􀀠• Delermine the independent cl;'lms adjustcl" assigned to your claim and contact him ifyou have not been
contacted wlthin 24 hours after you reported the claim to your insunlnce agent: the NFIP pays for the services of the independent claims adjuster assigned to your claim. • As soon as
possible separate the damaged property from undamaged property and store all property so it ean be inspected and evaluated: • Dbcuss with the adjuster any need you may have for an advance
or partial paymenl of your loss: • In order to help the claims adjuster. try to take pictures of the outside of rhe premises shOWing the flooding and the damage and simJlar pictures
or the inside or the premises showing the height of the water and the damaged properly; • Place all books, records. receipts and any 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 or the cause and responsible party(ies). if flood was caused by other than rwtural cause; • Milke cerlilin the claims adjuster fully explains all allowances and procedures
for processing claim payments. based on your Proof of Loss, which the policy requires you 10 send us within 60 days of the loss: and • Any 􀁾􀁭􀁤􀀠all coverage problems and claim allowance
restrictions must must be communicated directly from the NFIP-claims adjusters have no authority to approve or deny claims und only report 10 the NFIP on Ihe elements of flood cause
and damage. FEMA Fonn No. 81·34 (12i90) 593·9053A (12190) 
FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADMINISTRATION GENERAL PROPERTY POLICY NATIONAL FWOD INSURANCE PROGRAM STANDARD FWOD INSURANCE POLICY [Issued Pursuant to the National
Flood Insurance Act of 1968, or Any Acts Amendatory Thereof, and Applicahle Federal Regulations in Title 44 of the Code of Federal Regulatious, Subchapter B] 
SUMMARY OF STANDARD FLOOD INSURANCE POLICY CHANGES I. The terms ofthe Standard Flood Insurance Poliey have been amended, effective June 1. J987, The following new provisions are being
brought to your attention: A. Condorn1nium Residential Unit Owner Coverage: Coverage for condominium residential unit owners has been expanded to indude assessments by their condominium
association for flood damages to buildings other than the building in which that unit is located, The expanded coverage applies only if aU of the following three conditions are met:
1. The additionai coverage ONLY applies to other buildings ofthe condominium that are covered by flood insurance in the name of the association; 2. The association flood insurance coverage
MUST be National Flood Insurance Program (NFIP) business. This means the policy must have been written directly with the NFIP or with a Write Your Own Company; and 3. The association
flood insurance MUST be written in an amount which is at least equal to the actual cash value of an insured building's common elements or the maximum amount of NFIP insurance available
for that building. whichever is less. (See Article IV.A, 1, Dwelling Form. There is no corresponding change 10 Ihe General Property Form.) B. Condominium Association Coverage: There
is no coverage for a condominium association for any loss or portion of any loss for which payment is made under any insurance in the name of a condominium unit owner. Le.. any member
of the condominium 􀁡􀁳􀁳􀁯􀁣􀁩􀁡􀁾􀀠tion. (See Paragraph 8 of the COndominium Endorsement at the end of the General Property Form. There is no corresponding change 10 the Dwelling Form.)
II. COVERAGE EXPANDED BY NEW LAW ON EROSION On February 5, 1988. President Reagan signed into law the Upton·Jones Amendment to the National Flood Insurance Act of 1968, which significantly
alters the scope ofcoverage afforded by Ihe Standard Flood Insurance Policy for certain risks. The Amendment cxpands coverage under the National Flood Insurance Program to pay for the
demolition or relocation of insured buildings which are subject to imminent collapse or subsidence as a result of erosion or undermining caused by a body of water which exceeds its anticipated
cyclical levels. The coverage is subject to certain eligibility requirements, and all claims are subject to approval by the Federal Insurance Administration. For further information.
please contact the agent issuing your policy. III. The terms ofthe Standard Flood Insurance Policy have been amended, effective October 1, 1988. The following new coverage provisions
are being brought to your attention: k Antique Value: A provision has been added that any antique value of items is not covered, and antique furniture and antique silver have been deleted
from a list of items that are subject to a limitation of $250. The functional value of antique items will be covered. (See Insuring Agreement [immediately before Article I] and Article
IV.C. Dwelling Form; paragraph immediately following the heading .J "GENERAL PROPERTY FORM" althe beginning of the policy and Article IV.B.2, General Property Form.) B. Labor of Household
Members. Coverage is already provided in the Dwelling Form for the value ofthe insured's own labor at prevailing Federal minimum wage rates as part of the reasonable expense incurred
by theinsurcd (1) in moving insured property temporarily from the imminent danger of flood (subjcci to a cap that is currently $500 for building and $500 for contents). (2) for certain
specified mitigative measures, such as sandbags, in the event of imminent danger of flood (subject to a cap that is currenlly $5(0). and (3) for Ihe removal ofdebris directly caused
by a flood. Coverage is being expanded to include the value of the labor of members of the household at prevailing Federal minimum wage rates in aU these cases. (See definition of •
'Direct Physical Loss By or From Flood in Article nand Parngraphs A.7 and 0 ofArticle IV, Dwelling FOITIl. This change does not apply to Ihe General Property Form.) C. Elevated Building
Coverage: The limitation in coverage currently applicable to aU elevated buildings having enclosures, contents, machinery, building components, equipment or fixtures below the elevated
floor has been revised so that it wiU no longer be applicable to Pre-FIRM elevated buildings. This limitation in coverage will now only be applicable to Post 􀁾􀁆􀁉􀁒􀁍elevated buildings,
which are buildings for which the start of construction or substantial improvement occurred on or after the effective date of the initial Flood Insurance Rate Map (FIRM) for the community
in which the building is located or occurred after December 31,1974, if that is later. Substantial improvement means improvement or repair. the cost of which is at least 50 %of the market
value ofthe building. (See 􀁁􀁲􀁴􀁪􀁾􀀠cle V.F. and definition of "Post·FIRM building" in Article H, Dwelling Form and General Property Fonn.) D. Subsurface Water Destabilization: The
list of losses not covered has been clarified by adding a specific exclusion for loss from the destabilization or movement of land resulting from the accumulation of water in subsurface
land areas. (See Article lII.A.l t Dwelling Form; Article 111.0, General Property Form.) E. Exclusion of Walkways, PatiOS, Etc. : The coverage exclusion in the policy which was applicable
to "driveways and other surfaces outside the foundation walls of the building" has been revised to be applicable to "walkways, driveways, patios, and other surfaces, all ofwhatever kind
ofconstruction, located outside the perimeter, exterior walls of the insured building." (See Article V .D. Dwelling Form; Article V.D, General Property Form.) F. Policy Renewal Grace
Period: Policies will be renewed with uninterrupted coverage so long as the renewal premium payment is receivcd by the NFIP within 30 days ofthe expiration date ofthe policy being renewed,
without regard to when the payment was maiJed. Previously. this time period was five days and the mailing had to be made prior to thc expiration date. Mailing of the renewal premium
by certified mail prior to the expiration dale of the policy being renewed will continue to provide unintcrrupted coverage even when received more than 30days after the expiration date.
(See Article VIII.G, Dwelling Form; Article VH.!, General Property Form.) G. Duplicate Policies Not Allowed:When more than one policy per buHding is discovered by the insurer, the insured will be given a written notice offering the option of which policy is to remain in effect and of increasing
the coverage ofthe remaining policy by the coverage amounts of the policy or policies being cancelled. Coverage increases are to be made effective as ofthe effective date of the later
duplicate policy. The resulting coverage limits are not to exceed the statutorily permissible limits under the Act or the insured's insurable interest. whichever is less. (See Article
Vru.T. Dwelling Form; Article VII.X, General Property Form.) IV. The insurance coverage provided to you and the premium are based on the description of the property contained on your
current insurance policy. Review the computer printed Policy Declaration page. which recites the information you have furnished to us, to make sure the information is correct. Your insurance
protection can be jeopardized ifyou have made alterations or substantial improvements to your building which are not reflected on the policy and which are in violation of your community's
floodplain management ordinances, This includes such modifications as changing an unfinished basement into a totally orpartially finished basement or. in some cases, enclosing an area
beneath the lowest floor ofan elevated building. (See Article VllLF, Dwelling Form; Article VILE. General Property Form.) Contact yourinsurancc agent about any changes so thai the appropriate
endorsement can be submitted to protect your insurance coverage. If you have any questions about the new policy changes. please contact your local insurance agent. The National Flood
Insurance Program is a Federal program. WiJlful misrepresentation ofinfunnation by the insurance applicant or insurance agent is a criminal offense punishable by imprisonment, fine.
or both. 
FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE ADMINISTRATION STANDARD FLOOD INSURANCE POLICY [Issued Pursuant to the National Flood Insurance Act of 1968, or Any Acts Amendatory
Thereof (Hereinafter Called the Act), and Applicable Federal Regulations in Title 44 of the Code of Federal Regulations, Subchapter 8) GENERAL PROPERTY FORM IN CONSIDERATION OF THE PAYMENT
OF THE PREMIUM, : IN RELIANCE UPON THE STATEMENTS IN THE APPLICATION , AND DECLARATIONS FORM MADE A PART HEREOF AND SUB: JECT TO ALL THE TERMS OF TIllS POLICY, THE INSURER · DOES INSURE
!be Insured and legal represenlatives, to !be extent of!be ! actual cash value. not including any antique value, of the property at the , time of10s5, but not exceeding the amount which
it would cost to repair , or replace the property with material of like kind and quality within a : reasonable time after such loss, without allowance for any increased cost , of repair
or reconstruction by reason of any ordinance or Jaw regulating !construction or repair. and without compensation for loss resulting from ARTICLE I-PERSONS INSURED The following are insured
under this policy: A. The named Insured and lega1 representatives; B. Any mortgagee and loss payee named in the application and declaration page in the order of precedence and to the
extent oftheir interest but for no more. in the aggregate. than the interest of the named Insured. ARTICLE II-DEFINITIONS DefmitioDS-As used in Ihis Policy: "Actual Cash Value" means
the replacement cost of an insured item of , property at the time of loss, less the value of physical depreciation as to !the item damaged. ••Application" means the statement made and
signed by the Insured, or : the Insured's agent, and giving information on the basis of which the Ini surer determines the acceptability of the risk, the policy to be issued and I the
correct premium payment, which must accompany the application for · !be policy 10 be issued. The application is a part of!bis flood insurance policy. 􀀢􀁂􀁡􀁾􀁥􀀠flood" means the flood
having a one percent chance of being equalled or exceeded in any given year. "Basement" means any area of the building having its floor subgrade (below ground level) on all sides. •'Building"
means a walled and roofed structure, other than a gas or liquid storage tank, that is principally above ground and affixed to a 􀁰􀁥􀁲􀁭􀁡􀁾􀀠nent site, including a walled and roofed
building in the course ofconstruction, alteration or repair and a manufactured (i.e., mobile) home on a permanent roundation, SUbjecllo Paragraph "H" of!be provision titled "Property
Not Covered,'· This policy does not cover more than one building. unless application to cover more than one bUilding is made on a form or in a format approved for that purpose by the
Administrator, •'Cancellation" means that ending of the insurance coverage provided by this policy prior to the expiration date. "Coastal High Hazard Area" means an area subject to high
velocity waters. including hurricane wave wash and tsunamis. "Declarations Page" is a computer generated summary of information furnished by the Insured in the application for insurance.
The declarations , page is a part of this flood insurance policy" ; "Direct Physical Loss By or From Flood" means any loss in the nature of actual loss of or physical damage, evidenced
by physical changes, to the insured property (building or contents [personal property]) which is directly and proximately caused by a "flood" (as defined in !bis Agreement), while !be
insured property is located: I. AI !be property address · shown on the application for this insurance. which is a part ofthis Agree􀁭􀁥􀁮􀁴􀁾􀀠and 2. For forty-five days, at another
place above ground level Or outside of the special flood hazard area, to which any of the insured prop' Ierty shall necessarily be removed in order to protect and preserve it from ,
interruption of busJness or manufacture, nor in any event for more than !be interest of !be Insured, against all "DIRECT PHYSICAL LOSS BY OR FROM FLOOD" as defined herein, to !be property
described while while located or contained as described in the application and declarations form attached hereto, or pro rata for 45 days at each proper place to which any ofthe property
shall necessarily be removed for preservation from the peril of IlFlood". but not elsewhere. Assignment of !bis policy, in writing, by the Insured is allowed upon transfer of title except
for (i) a contents only policy and (ii) a policy issued to cover a building in the course of construction. The Insurer under this policy is Ihe Federal Emergency Management Agency. a
flood or from the imminent danger offlood (provided, personal property so removed must be placed in a fully enclosed building or otherwise reasonably protected from the elements to be
insured against loss) in which case the reasonable expenses incurred by the Insured in moving any ofthe insured property temporarily away from the peril offlood and storing this property
at the temporary location (not exceeding 45 days) shall be reimbursed to the Insured for buildings in an amount up to the amount of the minimum building deductibJe and for contents in
an amount up to the amount ofthe minimum contents deductible. This policy's deductible amounts. as provided for herein under "DEDUCTIBLBS, " shall not be applied 10 !bis reimbursement,
but shall be applied to any other benefits under !bis policy's coverage. The term' 'Direct Physical Loss By Or From Flood" shall not include compensation for loss ofuse. loss ofaccess.
loss of profits or loss resulting from interruption of business, profession or manufacture, allowance for any increased cost of repair or reconstruction as a result of any ordinance
regulating reconstruction or repair, or other economic loss. I 'Ex:pense Constant" is a flat charge per policy term, paid by the Insured. to defray the Federal Government's poUcywrlting
and other expenses. "Expiration Date" means the ending oflhe insurance coverage provided by this policy on the expjration date shown on the declarations page. "Flood": Wherever in this
policy the term "flond" occurs, it shall be held to mean: A. A general and temporary condition ofpartial or complete inundation of normally dry land areas from: 1. The overflow of inland
or tidal waters. 2. The unusual and rapid accumulation or runoff ofsurface waters from any source. 3. Mudslides (Le., mudflows) which are proximately caused by flooding as defined in
subparagraph A-2 above and are akin to a river of Hquid and flowing mud on the surfaces ofnormally dry land areas, as when earth is carried by a current of water and deposited along
the path ofthe current. B. The collapse or subsidence of land along the shore ofa lake or other body of water as a result of erosion or undermining caused by waves or currents of water
exceeding the cycHcallevels which result in flooding as defined in A-I above, "Manufactured home" means a building. transportable in One or more sections, which is built on a permanent
chassis and designed to be used with or without a permanent foundation when connected to the required utilities. The term "manufactured home" does not inclUde parle trailers, travel
trailers, and other similar vehicles, To be eligible for coverage under this policy. a manufactured home must be on a pennanent foundation and if located in a FEMA designated Special
Flood Hazard Area, must meet !be requirements of paragraph H of PROPERTY NOT COVERED. "Mobile home" means a manufactured home. •'Policy" means the entire written contract between the
Insured and the Insurer, including this printed form, the application. and declarations page. 
any endorsemenls which may be issued and any renev.-aI certificates 􀁩􀁮􀁾􀀠dicating that coverage has been instituted for a new policy and policy term, Only one building, specifically
described by you in the application. may be insured under this policy, unless application to cover more than one building is made on a form or in a format approved for that purpose by
the Administrator. "Post-FIRM building" means a building for which the start ofconstruction or substantial improvement occurred after December 31, 1974, or on or after the effective
date of the initial Flood Insurance Rate Map (FIRM) for [he community in which the building is located, whichever is later. "Probation Additional Premium" means a flat charge per policy
term paid by the lnsured on all new and renewal policies issued covering 􀁰􀁲􀁯􀁰􀁾􀀠erty in a community that has been placed on probation under the provisions of 44 CFR 59.24 on or
after October I, 1986. "Walled and Roofed" means the building has in place two or more exterior. rigid waUs and the roof is fully secured so that the building will resist flotation,
collapse and lateral movement. ARTICLE III-PERILS EXCLUDED The Insurer shall not be liable for loss: A. By (1) rain. snow, sleet, hail or water spray; (2) freezing, thawing or by the
pressure or weight of ice or water, except where the property covered has been simultaneously damaged by flood; (3) water. moisture or mudslide (i.e., mudflow) damage of any kind resulting
primarily from conditions. causes or occurrences which are solely related to the described premises or are within the control of the Insured (including but not limited to design, structural
or mechanical defects. failures. stoppages or breakages ofwater or sewer lines. drains, pumps, fixtures, orequipment) or any condition which causes flooding which is substantially confined
to the described premjses or properties immediately adjacent 􀁴􀁨􀁥􀁲􀁥􀁴􀁯􀁾􀀠or (4) seepage, backup of water, or hydrostatic pressure not related to a condition of "flood" as defined;
B. Caused directly or indirectly by (1) hostile or warlike action in time of peace or war. including action in hindering, combating or defending against an actual, impending or expected
attack, (a) by any government or sovereign power (de jure or de facto). or by any authority maintaining or using military. naval or air forces, or (b) by military, naval orair forces.
or (c) by an agent of any such government, power, authority or forces. it being understood that any discharge. explOSion or use of any weapon of war employing nuclear fission or fusion
shaH be conclusively presumed to be such a hostile or warlike action by such a govenunent. power, authority or forces; (2) insurrection, rebellion, revolution. civil war, usurped power,
or action taken by governmental authority in hindering. combating or 􀁤􀁥􀁦􀁥􀁮􀁤􀁾􀀠ing against such an occurrence; C. By nuclear reaction or nuclear radiation or radioactive contamination,
all whether controlled or uncontrolled. or due to any act or condition incident to any of the foregoing, whether such loss be direct or indirect, proximate or remote, or be in whole
or in part caused by. contributed to. or aggravated by the peril insured against by this policy; D. By theft, fire. windstorm, wind. explosion, earthquake, land sinkage. land subsidence,
landslide. destabilization or movement of land resulting from the accumulation of water in subsurface land areas, gradual erosion, or any other earth movement except such mudslides (i.e.,
mudflows) or erosion as is covered under the peril of flood; E. Caused by or resulting from power. heating or cooling failure, unless such failure results from phYSical damage to power>
heating orcooling equipment situated on premises where the property covered is located, caused by the peril insured against; F. Caused intentionally by the Insured: G. Which is already
in progress as of 12:01 a.m. of the first day of the policy term; H. From a flood which is confined to the premises on which the insured property is located unless the flood is displaced
over two acres of the insured premises; 1. Caused by any modification by the Insured to the insured property or the described premises on which the insured property is located which
materially increases the risk of flooding; I . To any building or contents located on property leased from the Federal Government. arising from or jncident to the flooding of the property
by the Federal Government, where the lease expressly holds the Federal Government harmless, under flood insurance issued under any Federal Government program. from loss arising from
or incident to the flooding of the property by the Federal Government. ARTICLE IV-PROPERTY COVERED (Subject to "Property Not Covered" Provisions) A. Building: I, When the insurance under
this policy covers a building, such insurance shall include additions and extensions attached thereto; 􀁰􀁥􀁲􀁾􀀠manent fixtures, machinery and equipment fonning a part of and pertaining
to the service of the building; personal property of the Insured as landlord used for the maintenance or service of the building including fire 􀁥􀁸􀁾􀀠tinguishing apparatus, floor coverings,
refrigerating and ventilating equipment, all while within the described building; also, materials and supplies while within an enclosed structure located on the described premises or
adjacent thereto. intended for use in construction, alteration or repair of such building or appurtenant private structures on the described premises. 2. When the insurance under this
policy covers a building in the course of construction. such insurance shan apply before the building is walled and roofed SUbject to the following conditions: 0) the amount of the deductible
for each loss occurrence before the building is walled and roofed is two times the deductible which is sel""ted to apply after the building is walled and roofed: (ii) coverage is provided
before the building is walled and roofed only while construction is in progress. or if construction is 􀁨􀁡􀁬􀁴􀁥􀁤􀁾􀀠only for a period of up to 90 continuous days thereafter. until
construction is 􀁲􀁥􀁳􀁵􀁭􀁥􀁤􀁾􀀠and (ijj) there is no coverage before the building is waHed and roofed where the lowest floor, including basement floor, of a 􀁮􀁯􀁮􀁾􀁥􀁬􀁥􀁶􀁡􀁴􀁥􀁤􀀠building
or the lowest elevated floor of an elevated building IS below the base flood elevation in Zones AH. AE or AI-30 oris below the base flood elevation adjusted to include the effect of
wave action in Zones VE or V 1-30. The lowest floor levels are based on the bottom of the lowest horizontal structural member of the floor in Zones VE or V 1-30 and the top of the floor
in Zones AH, AE or Al-30. 3. When the insurance under this policy covers a building, the reasonable expenses incurred by the Insured for the purchase of (i) sandbags, including sand
to fill them and plastic sheeting and lumber used in connection with them, (ii) fill fortemporary levees, (iii) pumps, and (iv) wood, all for tbe purpose of saving the building due to
the imminent danger of a flood loss, are acovered loss in an aggregate amount up to the amount ofthe minimum building deductible. The policy's building deductible amount, as provided
fQrherein under "DEDUCTIBLES," shall no! beapplied to this reimbursement, but shaH be applied to any other benefits under the policy's building coverage. For reimbursement under this
paragraph 3 to apply. the following conditions must be met: (i) The insured property must be in imminent danger of sustaining flood damage; and (ii) The threat of flood damage must be
of such imminence as to lead a person of common prudence to apprehend flood damage; and (iii) A general and temporary condition of flooding in the area must oeM cur. even if the flooding
does not reach the insured property. or a legally authorized official must issue an evacuation order or other civil order for the community in which the insured property is located calling
for measures to preserve life and property from the peril of flood. B. Contents: When the insurance under this policy covers contents. coverage shall be for either household contents
or other than househoJd contents, but nol for both. 1. When the insurance under this policy covers other than household contents, such insurance shall cover merchandise and stock. materials
and stock supplies ofevery description, furniture. fixtures. machinery and equipment ofevery descriptIon all owned by the Insured; improvements and betterments (as hereinafter defined)
to the building jf the Insured is not the owner of the building and when not otherwise covered; all while within the described enclosed building, Bailees' goods are specifically excluded
from coverage under this policy. 2. When the insurance under this policy covers household contents. such insurance shall cover all household and personal property usual or incidental
to the occupancy of the premises as a residence-except animals, birds, fish, business property I other property not coyered under the provisions of this po!icYt and any property more
specifically covered in whole or in part by other insurance including the peril insured against in this policy; belonging to the Insured or members of the Insured's family of the same
household. or for which the Insured may be liable, or, at the option of the Insured, belonging to a servant or guest of the Insured; all while within the described bUilding. The Insured,
if not the owner of the described building, may apply up to 10% of the amount of insurance applicable to the household contents covered under this item, not as an additional amount of
insurance. to cover 
I loss to improvements and betterments (as hereinafter defined) to the described building. The Insured. if an individual condominium unit owner in the described building, may apply up
to 10% of the amount of insurance on contents covered under this policy, not as an additional amountofinsuranee, to cover loss to the interior walls, floors, and ceilings that are not
otherwise covered under a condominium association policy on the described building. The Insurer shall not be liable for loss in anyone occurrence for more than $250 in the aggregate
on paintings. etchings, pictures, tapestries. art glass windows and other works of art (such as but not limited to 􀁳􀁴􀁡􀁴􀁵􀁡􀁲􀁹􀁾􀀠marbles, bronzes, rare books. porcelains, rare
glass, and bric-a-brac), jewelry. watches, necklaces. bracelets, gems, precious and semi-precious stones. articles of gold, silver, platinum and furs and any article containing fur which
represents its principal value. 3. When the insurance under this policy covers improvements and betterments. such insurance shall cover the Insured's used interest in improvements and
betterments to the described building. a. The term .,improvements and betterments" wherever used in this policy is defined as fixtures. alterations, installations. or additions comprising
a part of the described buiiding and made. or acquired, at the expense of the Insured exclusive of rent paid by the Insured. but which are not legally subject to removal by the Insured.
b. The word "lease" wherever used in this policy shaH mean the lease or rental agreement, whether written or oral. in effect as ofthe lime ofloss. c, In the event improvements and betterments
are damaged or destroyed during the term of this policy by the peril insured against, the liability of the Insurer shan be determined as follows: (i) Ifrepaired or replaced attheexpenseofthe
Insured within a reasonable time after such loss, the actual cash value ofthe damaged or destroyed improvements and betterments. (ii) Ifnot repaired or replaced within a reasonable time
time after such loss, that proportion of the original cost at time of installation of the damaged t or destroyed improvements and betterments which the unexpired term of i the lease
at the time ofloss bears to the period(s) from the date(s) such 􀁩􀁭􀁾􀀠, provements and betterments were made to the expiration date of the lease, (iii) If repaired or replaced at the
expense of others for the use of the Insured. there shall be no liability hereunder. 4. In the case ofcontents owned by the Insured in a condominium building. as a condominium unit owner,
as wen as in common with other condominium unit owners, should the amount of insurance collectible under this policy for a loss, when combined with any recovery available to the Insured
as a tenant in common under any condominium association flood insurance coverage provided under the Act for the same loss, exceed the statutorily permissible Ilmits ofcontents coverage
available under the Act for the 􀁩􀁮􀁾􀀠, suring ofrisks ofthe class (residential. non-residential, or small business) ofthe Insured, then the limits of contents coverage under this
policy shall be reduced in regard to that foss by the amount of such excess. C. Debris: Removal: This insurance covers expense incurred in the removal ofdebris ofOr on the building or
contents covered hereunder. which , may be occasioned by loss caused by the peril insured against in this policy. The total liability under Ihis policy for both loss to property and
debris " removal expense shall not exceed the amount of insurance applying under i this policy to the property covered. ARTICLE V-PROPERTY NOT COVERED This poUcy sbaU not cover: A. Accounts.
bins, currency. deeds, evidences of debt. money. coins, medals, postage stamps. securities, bulJion, manuscripts, or other valuable papers or records, , B. A building, and its contents,
located entirely in. on, or over water or seaward of mean high tide, if the building was newly constructed or I substantially improved on or after October I. 1982, , C. F:ences. retaining
walls. walls. seawalls, swimming pools, bulkheads, wharves, piers, bridges, docks; other open structures located on or over : water, including boathouses or other similar structures
or buildings into which boats are floated; or personal property in the open, D, Land 􀁶􀁡􀀱􀁵􀁥􀁳􀁾􀀠lawn, trees, shrubs or plants, growing crops. or livestock; underground structures
and equipment including wells, septic tanks or septic systems; those portions ofwalks, walkways. driveways, patios. and other surfaces, all ofwhateverkind ofconstruction. located outside
the perimeter. exterior walls of the insured building. E, Aircraft. any self-propelled vehicle or machine and motOr vehicles (other than motorized equipment pertaining to the service
of the premises. operated principally on the premises of the Insured. and not licensed for highway use) including their parts and equipment. trailers on wheels and other recreational
vehicles whether affixed to a permanent foundation Or on wheels; watercraft including their furnishings and equipment. F. Enclosures, contents. machinery. building components. equipment
and fixtures located at an elevation lower than the lowest elevated floor of an elevated Post-FIRM building (except for lhe required utility conneclions and the footing. foundation,
posts, pilings, piers or other foundation walls and anchorage system as required for the support oftheclevated PostFIRM building), including a manufactured (i.e., mobile) home; finisbed
basement walls. floors, ceilings and other improvements toa basement having its floor subgrade on all sides (except for drywalls and sheetrock walls and ceilings. whether finished or
unfinished. all only to the extent of replacing them with unfinished [i.e .• nailed to framing but not taped or otherwise finished with paint or other covering] drywall or sheetrock
ceilings or walls. and except for fiberglass insulation) and contents. machinery. buHding equipment and fixtures in such basement areas; except that, as to this subparagraph(F), coverage
is provided in basement areas and in areas below the lowest elevated floor ofan elevated Post-FIRM boilding for sump pumps, well-water tanks. well-water tank pumps, oil tanles and the
oil in them, cisterns and the water in them, natural gas tanks and the gas inthem. pumps andlor tanks used in conjunction with solar energy systems. furnaces, hot water heaters. clothes
washers and. dryers, food. freezers and the food in them. air conditioners. heat pumps and e1ectrical junction and circuit breaker boxes; and coverage is also provided in basement areas
and in areas below the lowest elevated floor of an elevated Post-FIRM building for stairways and staircases attached to the building which are not separated from the building by elevated
walkways and for elevators and relevant equipment. except for such relevant equipment located below the base flood elevation if such relevant equipment was installed on or after October
I, 1987. G. Buildings and their contents, including machinery and equipment. which are part of the building, where more than 49 percent of the actual cash value of such buildings is
below ground, unless the lowest level is at or above the base flood elevation (in the Regular Program) or the 􀁡􀁤􀁪􀁡􀁾􀀠cent ground level (in the Emergency Program) by reason of earth
having been used as an insulation material in conjunction with energy efficient building tcchniques. H. A manufactured (i.e., mobile) home located or placed within aFEMA designated Special
Flood Hazard Area that is not anchored to a permanent foundation to resist flotation, collapse, or lateral movement (i) by overthe-top or frame ties to ground anchors or (ii) in accordance
with manufacturer's specifications or (iii) in compliance with the community's flood plain management requirements. unless it is a manufactured (i.e., mobile) home on a permanent foundation
continuously insured by the National Flood Insurance Program at the same site at least Since September 30, 1982. 1. Units which are primarily containers, rather than buildings (such
as gas and liquid tanks, chemical or reactor container tanks or enclosures. brick kilns, and similar units) and their contents. (Silos and grain storage buildings, including their contents,
may be insured even though they may be of container-type construction.) J. A building. and its contents, newly constructed or substantially 􀁩􀁭􀁾􀀠proved on or after October J. 1983
in an area designated as an undeveloped coastal barrier. within the Coastal Barrier Resources System established by the Coastal Barrier Resources Act (pub. L. 97-348). ARTICLE VI-DEDUCTffiLES
A. With respect to loss to the building and debris removal covered hereunder, Insurer shall be liable for only that portion of the loss in any one occurrence which is in excess of $500.00.
B, With respect to loss to contents and debris removal expenses covered hereundert the Insurer shaH be Hable for only that portion of the loss in anyone occurrence which is in excess
0"$500.00. C. In lieu ofthe $500.00deductible, the amount ofthe deductible in "A" and "B", above. shall be the higher amount selected. as an option, by the Insured when applying for
the insurance or when raising the deductible by endorsement, ARTICLE Vll-GENERAL CONDmONS AND PROVISIONS A. Patr and Set Clause: If there is.. loss of an article which is part of a pair
or set. the measure ofIoss shall be a reasonable and fair proportion
of the total value of the pair or set, giving consideration to the importance of said article, but such loss shall not be construed to mean total loss of the pair or set. B. Concealment,
Fraud: This entire policy shall be void and no renewal nor new flood insurance coverage can be issued to the Insured if, whether before or after the loss, the Insured has willfully eoncealed
or misrepresented. any material faet or eircumstanee coneerning this insurance or the subject thereof, or the interest of the Insured therein, or in case of any fraud or false swearing
by the Insured relating thereto (see "E", below), In addition. this entire poJiey shall be void if the Insured has willfully coneealed or misrepresented any faet, on a «Reeertifleation
Questionnaire." which eauses the Insurer to issue a policy to the Insured basedon a premium amount whieh is less than the premium amount which would have been payable by the lnsured
if it were not for the misrepresentation of faet (See HI". below). C. Other Insurance: The Insurer shall not be liable for a greater 􀁰􀁲􀁯􀁾􀀠portion of any loss. Jess the amount of
deductible, from the peril of flood than the amount of insurance under this poliey bears to the whole amount offlood insuranee (exeluding therefrom any amount of' 'excess insurance"
as hereinafter defined) eovering the property. or which would have covered the property except for the existence ofthis insurance, whether colleetible or not. In other words, if the
Insured obtains additional flood insurance to eover the structure insured by this policy beyond that obtained under the authority of the National Flood Insurance Act of 1968, as amended.
then the Insured must acquire the maximum amount of available flood insuranee under said Act in order to avoid the imposition of proration as described in the preceding sentence. In
the event that the whole amount of flood insurance (excluding therefrom any amount of' 'excess insurance" as hereinafter defined) covering the property exceeds the maximum amounr ofinsurance
permitted under the proviR slons ofthe National Flood Insurance Act of 1968, or any acts amendatory thereof. it is hereby understood and agreed that the insurance under this policy shall
be limited to a proportionate share of the maximum amount of insurance permitted on such property under said Act, and that a refund of any extra premium paid, computed on a pro rata
basis, shall be made by the Insurer upon request in writing submitted not later than 2 years after the expiration of the policy term during which such extra amount of insurance was in
effect. "Excess insurance" as used herein shall be held to mean insurance of such part of the actual cash value ofthc property as is in exccss of the maximum amount of insurance pennitted
under said Act with respect to such property. D. Added and Waiver Provisions: The extent of the application of insurance under this policy and of the contribution to be made by the Insurer
in case of loss, and any other provision or agreement not inconsistent with the provisions ofthis policy, may be provided for in writing added hereto, but no provision may be waived
except such as by the tenus of this policy is subject to change. Nopennission affecting this insurance shall exist. or waiver of any provision be valid. unless granted herein or expressed
in writing added hereto, No provision, stipulation or forfeiture shall be held to be waived by any requirement or proceeding on the part of the Insurer relating to appraisal or to any
examination provided for herein. E. Voidance, Reduction or Reformation of the Coverage: 1. Voidance: This policy will be void and of no legal force and effect in the event that anyone
of the following conditions occurs: a. The property listed on the appIleation is not eligible for coverage, in which case the policy is void from its 􀁩􀁮􀁣􀁥􀁰􀁴􀁩􀁯􀁮􀁾􀀠b. The community
in which the property is located was not participating in the National Flood Insurance Program on the policy's inception date and did not qualify as a participating community during
the policy's tcnn and before the occurrence ofany loss for which the Insured may receive compensation under the policy, in which case the policy is void from its inception; e. If, during
the tenu afthe policy. the participation in the National Flood Insurance Program of the community in which the Insured's property is located ceases, in which case the poBcy shaH be deemed
void effective at the end of the last day of the policy year in which such cessation occurred and shall not be renewed; in theevcnt the voided policy included three poliCy years in a
contract term of three years, the Insured shan be entitled to a pro-rata refund ofany premium applicable to the remainder ofthe policy's term after voidance of the policy; d. The Insured
or the Insured's agent has (i) sworn falsely or Oi) fraudulently or willfully concealed or misrepresented any material fact (including facls relevant to [he rating of this policy) in
the application for coverage, or upon any renewal ofcoverage. or in connection with the submission of any claim brought under the policy> in which case this entire policy shaH be void
as of the date the wrongful act was committed and eQverage prior to the date of the wrongful aet shall not be affecred, provided, refunds ofpremiums, ifany. shall be subject to offsets
for the Insurer's administrative expenses (including the payment of agent's eommissions through prior poliey years. if any) in conneetjon with the issuanee of the policy; e. The premium
submitted is less than the minimum premium set forth in 44 CPR 61.10 in conneetion with any application for a new policy or poUey renewal, in which ease the policy is void from its ineeption.
2. Reduction of Coverage Limits or Reformation: In the event that the premium payment reeeived by the Insurer is not suffieient to purchase the amounts of building eoverage and contents
(personal property) eoverage requested or in the event a raring error has been innocently made by the Insured or the agent on the applieation, renewal. endorsement or other form (whether
evident or not) resulting in insufficient premium being reeeived by the Insurer for the purchase ofthe amountsofeoverage requested, then: (i) If the insuffieient premium or other rating
error is discovered by the Insurer prior to a loss under the policy, the policy shall be deemed to provide only such ooveragc as ean be purchased fortl1eenlire term ofthe poliey, with
the amount ofpremium received; provided, the Insured may increase any reduced eoverage(s) at any time by payment of the correet premium fur the additional limits ofcoverage requested
and any such correct premium received by the Insurer prior to any Joss under the policy shall result in coverage being provided for the Joss up to the additional amount of coverage requested
by the Insured; the application ofthe insufficient premium received 10 the provision of flood insurance coverage shall be made as follows: a. In the event that only one kind ofcoverage
(building coverage or 􀁣􀁯􀁮􀁾􀀠tents coverage) has been requested, the Insured shall receive the limits of of thaI kind of coverage which ean be purchased for the amount ofpremium received.
less the expense constant; b. In the event that both building coverage and contents ooverage have been requested, the Insurer shall determine the percentage ratio that each kind of insurance
bears to the total amount of coverage requested. apportion the total premium received by the percentage ratio for each kind of coverage, and the Insured shall receive, as to each kind
of coverage requested, the amount ofcoverage which can be purchased by the premium amount as apportioned for each kind ofcoverage; where both building and contents coverage are requested
and a coverage's proportion ofthe premium paid is more than sufficient to obtain the amount of insurance requested for that coverage, any excess of that proportion of the total premium
will be applied to obtain an additional amount ofthe other kind ofcoverage until the amount of insurance requested for the other coverage is obtained; (ii) Ifthe insufficient premium
or other rating error is discovered by the Insurer at the time of a loss under the policy. the policy shall be deemed to provide coverage pursuant to the provjsions of (i)t above. urness:
a. The Insured or the Insured's agent has sworn falsely or fraUdulently or willfully concealed or misrepresented any maledaJ fact (incIuding facts relevant to the rating ofthis policy)
in the application for coverage. or upon any renewal ofcoverage, or in connection with the submission ofany claim brought under this policy. in which case this entire policy shall be
void as of the date the wrongful act was committed and coverage prior to the date ofthe wrongful act shall not be affected; provided, refunds ofpremiums, if any, shall be subject to
offsets for the Insurer's administrative cxpenses (including the payment ofagent's commissions through prior policy years, if any) in connection with the issuance of the poliey, or b.
Provided (li) a. above, does not apply, the Insured remits and the Insurer receives the additional premium required to purchase (for the 􀁣􀁵􀁲􀁾􀀠rent poliey renn and the previous policy
tenn, jf then insured) the limits ofcoverage for each k.ind of coverage as was initially requested by the Insured within thirty (30) days: from the date the Insurer gives the Insured
written notice of additional premium due, in which case the policy shaH be reformed, from its inception date. to provide flood insurance ooverage to the Insured in the amount(s) of coveragc
initially requested. Silence or other failure to remit the additional premium required or non-receipt of such premium by the Insurerwirhin thirty (30) days from the date of notice of
prcmium due shall be deemed to be refusal to pay the additional premium due and any subsequent payment of [he additional premium due shan not reform the policy from its inception date
but shall onIy add the additional 
I amounts of coverage to the policy for the remainder of its renn. pursuant to 44 CFR 61.11, with any excess of premium paid being returned to the Insured. Provided, however. under this
subsection "b" as to any mortgagee (or trustee) named in the policy, the Insurer shall give a nOlice of 􀁡􀁤􀁤􀁪􀁾􀀠tional premium due and the right of refonnation shall continue in
force for the benefit only of the mortgagee (ortrustee), up to the amount of the insured indebtedness, for thirty (30) days after written notice to the mortgagee (or trustee); provided,
further, the Insurer is under no obligation to send the Insured any written notice of additional premium due or notice of premium due under this subsection. F, Conditions, Suspending
or Restricting Insurance: Unless otherwise provided in writing added hereto, the Insurer shall not be liable for loss occurring while the hazard is increased by any means within the
control or knowledge of the Insured, provrdedj however, this insurance shaH not be prejudiced by any act or neglect of any person (other than the Insured), when such act or neglect is
not within the control of the Insured. G. Alterations and Repairs: The Insured may, at the Insured's own expense, make alterations, additions and repairs, and compJete structures in
course of construction. H, Property of Others (Servants and Guest Only): Unless otherwise provided in writing added hereto. Joss to any property of others covered under this policy shall
be adjusted with the Insured for the account of the owners ofsaid property, except that the right to adjust such loss with said owners is reserved to the lnsurer. Any such insurance
under this policy shall not inure directly or indlrectly to the benefit of any carrier or other bailee for hire, I. Liberalization Clause: If during the period that insurance is in force
under this policy or within 45 days prior to the inception date thereof, on behalf of the Insurer there be adopted under the National Flood Insurance Act of 1%8, or any acts amendatory
thereof, any furms, furms, eodorsements, rules or regulations by which this policy could be exteoded or broadened, without additional premium charge) by endorsement or substitution offonn
then such extended or broadened insurance shan inure to the benefit ofthe Insured hereunder as [hough such endorsement or substitution of fonn had been made. J. Policy Renewal: The term
ofthjs policy commences on its inception date and ends on its expiration date. as shown on thc "Declarations Page" which is attached to the policy. The Insurer is under no obligation
to send any renewal notice or other notice that the policy term is coming to an end aod tbe receipt of any such notice by the Insured, Mortgagee or Agcnt of the Insured shaH not be deemed
to be a waiver ofthis provision on the Insurer's part. The Insurer is under no obligation to assure that policy changes reflected in endorsements submitted by the Insured or Agent during
the policy term and accepted by the Insurer are included in any renewal notice or new policy which is sent. "Policy changes" includes the addition of new coverage (e.g .• contents coverage
added to a building coverage policy or vice versa) or any increases in the amounts of coverage. This policy shall not be renewed and the coverage provided by it shall not continue into
any successive policy term unless the renewal premium payment is reeeived by the National Flood Insurance Program (NFIP) at its office within 30 days of the expiration date ofthis policy,
subject to Article VII.E, above, !fthe renewal premium payment is mailed by certified mail to the NFIP prior to the expiration date, it shall be deemed to have been received within the
required 30 days, The coverage provided by the renewal policy is in effect for any loss occurring during this 􀀳􀀰􀁾􀁤􀁡􀁹􀀠period even jf the loss occurs before the renewal premium
payment is received so long as the renewal premium payment is received within the required 30 days, In all other cases, this policy shall terminate as of the expiration date ofthe last
policy term for which the premium payment was timely received at the office ofthc NFIP, and in that event, the Insurer shali not be obligated to provide the Insured with any cancellation,
tennination, policy lapse. or policy renewal notice advising the Insured of any such cancellation. termination, policy lapse, or policy renewal; provided, however. with respect to any
mortgagee (or trustee) named in the Declaration form attached to this policy, this insurance shall continue in force only for the benefit of such mortgagee (or trustee) for 30 days after
written notice to the mortgagee (or trustee) of termination of this policy, and shall then terminate. In connection with the renewal ofthis policy, the Insured will be requested during
the pOlicy lenn to recertify. On a Recertification QuestJonnaire 􀁰􀁲􀁯􀁾􀀠vided by the Insurer, the rating infoTTliation used to rate the most recent application for or renewaJ of insurance,
Notwithstanding the above mentioned responsibility of the InsUred to submit the appropriate renewal premium in sufficient time to permit its receipt by the NFIP prior to the expiration
of the policy being renewed, the Insurer has established a business procedure for mailing renewal notices to assist Insureds in meeting their responsibility. Regarding the Insurer's
business procedure, evidenee of the placing of any such notices into the U.S. Postal Service. addressed to the Insured at the address appearing on the Insured's most recent application
or other appropriate fonn (received by tbe NFIP prior to the mailing ofthe renewal notice by the Insurer), does, in all respects, for purposes ofthe NFlPpresumptively establish delivery
to the Insured for all purposes irrespective ofwbether the Insured actually received the notice. However; in the event that the Insurer detennines that. through any circumstances. any
renewal notice was not placed into the U.S. Postal Service. or, ifplaced, was prepared or addressed in a manner which the Insurer determines could preclUde the likelihood of it being
actually and timely received by the Insured prior to the due date for the renewal premium the following procedures shaH be followed: In the event that the Insured or his agent notifies
the Insurer. not later than one year after the date on which the payment of the renewal was due, of a non-receipt of a renewal notice prior to the due date for the renewal premium. which
the Insurer determines was attributable to the above 􀁣􀁩􀁲􀁾􀀠cumstances, the Insurer shall mail a second bill providing a revised due date, which shall be thirty days after the date
on which the bill is mailed. If the renewal payment is received by such revised due date. the poliey shaH be renewed as of the date on which the prior policy would have 􀁥􀁸􀁾􀀠pired.
If the renewal payment requested by reasOn of the second bill is not received by the revised due date, no renewal shall occur and the policy shall remain an expired policy as ofth€:
expiration date prescribed On the pOlicy. K. Cancellation of Policy By Insured: 1, The Insured can cancel this policy at anytime but a refund of premium will be made only when: a. The
Insured cancels because the Insured has transferred ownership ofthe insured property to someone else. In this case. the Insurer will refund to the Insured, once the Insurer receives
the Insured's written request for cancellation (signed by the Insured) the excess of premiums paid by the Insured which apply to the unused portion ofthepolicy's term, pro rafa but with
retention of the expense constant. b. The Insured cancels because it has been determined that the insured property is not. in fact. in a special flood hazard area; and the Insured was
required to purchase flood insurance coverage by a private lender or Federal agency pursuant to Pub. L 93-234. section 􀁉􀀰􀀲􀁾􀀠and the lender or Federal agency no longer requires the
retention by the Insured of the coverage. In this event, ifno claims have been paid or arc pending. the premium payments will be refunded to the Insured in full, according to applicable
regulations. c, The Insured cancels a policy having a tenn of three (3) years, on an anniversary date, and the reason for the cancellation is: (i) A policy offlood insurance has been
obtained or is being obtained in substitution for this policy and the Insurer has received a written concurrence in the canceJIation from any mortgagee of which the Insurer has actual
notice, or (ii) the Insured has extinguished the insured mortgage debt and is no longer required by the mortgagee to maintain the coverage. Refund of any premium uoder this subparagraph
"e" shall be pro rata but with retention of the expense constant. L. Loss Clause: Payment ofany loss under this policy shall not reduce the amount of insurance applicable to any other
loss during the policy renn which arises out of a separate occurrence of the peril insured against hereunder; provided, that al110ss arising out ofa continuous or protracted occurrence
shall be deemed to constitute loss arising out of a single occurrence. M. Mortgage Clause: (Applicable to building coverage only and effective effective only when policy is made payable
to a mortgagee (or trustee) named in the application and declarations form attached to this policy or of whom the Insurer has actual notice prior to the payment of Joss proceeds under
this policy), Loss, ifany, uoder tbis policy, shall be payable to the afuresaid as mortgagee (or trustee) as interest may appear under all present or future mortgages upon the property
described in which the aforesaid may have an interest as mortgagee (ortfUstee), in order ofprecedence ofsaid mortgages. aod this insurance, as to tbe interest of the mortgagee (or trustee)
only therein, shaU not be invalidated by any act or neglect of thc mortgagor or owner of the described property. nor by any foreclosure or other proceedings or notice of sale relating
to the property, nor by any change in the title Or ownership of the proporty, nor by the occupation of the premiscs for purposes 
more hazardous than are permitted by this policy; provided. that in case the mortgagor or owner shall neglect to pay any premium due under this policy, the mortgagee (or trustee) shall,
on demand, pay the same. Provided, also, that the mortgagee (or trustee) shall notify the Insurer ofany change ofownership or occupancy or increase ofhazard which shall come to the knowledge
ofsaid mortgagee (or trustee) and, unless permitted by this policy, it shaH be noted thereon and the mortgagee (or trustee) shall. on demand, pay the premium for such increased hazard
for the term of the use thereofj otherwise this policy shall be nuH and void. If this policy is cancelled by the Insurer, it shaH continue in force for the benefitoruy ofthe mortgagee
(or trustee) for 30days after written notice to the mortgagee (or trustee) ofsueh cancellation and shall then cease. and the Insurer shall have the right, on like notice, to cancel this
agreement. Whenever the Insurer shan pay the mortgagee (or trustee) any sum for loss under this policy and shall claim that. as to the mortgagor or owner. no liability therefor existed,
the Insurer shall, to the extent of such payment. be thereupon legally subrogated to all the rights ofthe party to whom such payment shan be made, under all securities held as collateral
to the mortgage debt, or may. at its option, pay to the mortgagee (or trustee) the whole principal due or to grow due onthe mortgage with interest, and shall thereupon receive a full
assignment and transfer of the mortgage and of a11 such other securities. but no subrogation shall impair the right of the mortgagee (or trustee) to recover the full amount of said mortgagee's
(or trustee's) claim. N. Mortgagee Obligations: Ifthe Insured f.ils to render proof of loss. the named mortgagee (or trustee), upon notice. shall render proof of loss in the form herein
specified within 60 days thereafter and shall be subject to the provisions of this policy relating to appraisal and time of payment and of bringing suit. O. Loss Payable Clause (Applicable
to tontents items only): Loss, if any, shall be adjusted with the Insured and shall be payable to the Insured and foss payee as their interests may appear. P. Requirements in Case ofLoss:
TheInsured shall give written notice, as soon as practicable, to the Insurer of any loss, forthwith separate the damaged and undamaged property and put it in the best possible order.
Within 6Q days after (he loss, unless such time is extended in writing by the Insurer, the Insured shall render to the Insurer a proof of loss. signed and sworn to by the Insured. stating
the knowledge and belief of the Insured as to the following: The time and origin of the loss. the interest of the Insured and ofall others in the property, actual cash value ofeaeh item
thereofand the amount ofloss thereto, alI encumbrances thercon, all other contracts of insurance. whether valid or not. covering any of said property. any changes in the title. use,
occupation, location, possession or exposures ofsaid property since the issuing of this policy. by whom and for what purpose any building herein described and the several parts thereof
were occupied at the time oCloss. The Insured, at the option ofthe Insurer. may be required to furnish acomplete inventory of the destroyed, damaged and undamaged property, showing in
detail quantities. costs. actual cash value and amount oflass claimed, and verified plans and specifications of any 􀁢􀁵􀁪􀁬􀁤􀁩􀁮􀁧􀁾􀀠fixtures or machinery destroyed or damaged. The
Insured. as often as may be reasonably 􀁲􀁥􀁱􀁵􀁩􀁲􀁥􀁤􀁾􀀠shall ex.hibit to any person designated by the Insurer all that remains of any property herein described, and submit to examinations
under oath by any person named by the Insurer. and subscribe the same. and. as often as may be reasonably required, shall produce for examination all books ofaccount, bills, inVOfee5
and other vouchers, or certified copies thereof iforiginals be lost. at sueh reasonable time and place as may be designated by the Insurer or its representative. and shaH permit extracts
and copies thereof to be made. The Insurer may. at its option, waive the requirement for the compietion and filing of a Proof of Loss in certain cases. in which event the Insured will
be required to sign and. at the Insurer's option, swear to an adjuster's report ofthe loss which includes information about the loss and the damages needed by the Insurer before the
loss can be adjusted. Any false statements made in the courseofpresentment ofa claim under this policy may be punishable by fine or imprisonment under the applicable Federal Jaws. Q.
Appraisal: In case the Insured and the Insurer shall fail to agree as to the actual cash value elf the amount ofloss. then. on the written demand ofeither, each shall select a competent
and disinterested appraiser and notify the oilier ofthe appraiser selected within 20 days ofsuch demand. The appraisers shall first select a competent and disinterested umpire; and failing
for 15 days to agree upon such umpire. then, on request of the Insured or the Insurer. such umpire shall be selected by a judge of a court of record in the State in which the insured
property is located. The appraisers shall then appraise the loss, stating separately actual cash value and loss to each 􀁩􀁴􀁥􀁭􀁾􀀠and, failing to agree, shall submit their differences.
only, to the 􀁵􀁭􀁾􀀠pire. An award in writing, so itemiZed, ofany two when filed with thcInsurer shaH determine the amount of actual cash value and loss. Each appraiser shaH be paid
by the party selecting him and the expenses ofappraisal and umpire shall be paid by the parties equally. R. Options: It shall be optional with the Insurer Lo take all, or any part, ofthe
property at the agreed or appraised value, and also to repair, rebuild or replace the property destroyed or damaged with other of like kind and quality within a reasonable time, on giving
notice of its intention so to do within 30 days after lhe receipt of [he proof of loss herein required. S. Abandonment: There shall be no abandonmenl to the Insurer ofany property. However,
the Insurer may permit the Insured to keep damaged, insured property ("salvage") after a loss and reduce the amount of the loss proceeds payable to the Insured under the policy by the
value ofthe salvage. T. When Loss Payable: Loss is payable within 60days after the Insured files the proof of loss (or within 90 days after the insurance adjuster files an adjuster's
report signed and sworn to by the Insured in Heu of a proof ofloss) and ascertainment ofthe loss is made either by agreement between the Insurcr and the Insured, expressed in writing,
or by the filing with the Insurer of an award as provided in paragraph "Q", above, Ifthe Insurer 􀁲􀁥􀁪􀁥􀁣􀁌􀁾􀀠the Insured's proof of loss in whole or in part, the Insured may accept
such denial of the claim, or exercise the Insured's rights under Ihis poHcy, or file an amended proofofloss as long as it is tJled wilhin60days of the dale ofthe loss or any extension
oftime allowed by [he Administrator" U. Action Against the Insurer: No suit or action On this policy for the recovery of any claim shall be sustainable in any coun of law or equity unless
all the requirements of this policy shall have been complied with. and unless commenced within 12 months ncxt aftcr the dale of mailing of notice of disallowance or partial disalJowance
of the claim. An action on such claim against the Insurer may be instituted, without regard to the amount in controversy, in the United States District Court for the di:mlct in which
the property shall have been situated. V. Subrogation: In the evcnt of any payment under this pollcy. thc Insurer shall be subrogated to aU the Insured's right ofrecovcry therefor against
any party. and thc Insurer may require from the Insured an assignment of all rights ofrccovery against any party for loss to the extenllhat paymem therefor is made by thc Insurer. The
Insured shall do Ilolhing after ioss lO prejudice such right however, this insurance shall not be invalIdated should the Insured waive in writing prionoa loss any orall right ofrecovery
against any party for loss occurring to the described property. W. Continuous Lake Flooding: Where the insured building has been inundated by rising lake waters continuously for 90 days
or more and it appears reasonably certain that a continuation of this flooding wiH result in damage, reimbursable undcr this policy, to the insured building equal to or greater than
the building policy limitsplus thc deductible orthe maximum payable under the policy for anyone building loss, the Insurer will pay the Insured the lcsserofthese two amounts without waiting for the further damage
to occur if the Insured signs a release agreeing (i) to make no further claim under this policy. Oi) not to seek renewal of this policy, and (iii) not to apply for any flood insurance
under the National Flood Insurance Act of 1968. as amended, for property at the property location of the insured building. If [he poliCY term ends before the insured building has been
flooded continuously for 90 days, the provisions ofthis paragraph W still apply so so long as the first building damage reimbursable under this :. poliCy from the continuous flooding
occurred before the end of the policy 􀁾􀀠term, X. DuplicatePolicies Not Allowed: Property may not be insured under more than One policy issued under the Act. When tbc Insurer finds
that dupHcate pOlicies are in effect, the lnsurer shall by writtcn nOlice give the Insured the option of Choosing which policy is to remain in effect. If tbe Insured chooses Lo keep
in effect the polit:y with the earlier effective d'lte. the Insurer shaH by the samc written notice give the Insured an opportunity to add the coverage limits of the later policy to
those of!he earlierpolky.. as of the effective date of the later policy. If the Insured chooses to kcep in effect the policy wiLh the later effective dale, the Insurer !;hall by the·
same written notice give the Insured the opportunity to add {hc coverage limits of the earlier policy to those of the later policy, as of thc effective date of the later policy, In either
casc, casc, the Insured must pay tbe pro ratH premium for the increased coverage limits within 30 days of the wriHen 
notice. In no event shall the resulting coverage limits exceed the statutorily installed appliances for beating, cooling. plumbing and electrical purposes. permissible limits ofcoverage
under the Act Or the Insured's insurable inw The structural items may be original installations or replacement or 􀁡􀁤􀁤􀁩􀁾􀀠 terest. whichever is less. The Insurer shall make a refund
to the Insured, tional items. according to applicable NFIP rules. of the premium for the policy not be3. The building coverage outlined in paragraph 2 above has application ing kept
in effect, For porposes of this paragraph X. the tenu "effective only to the extent that the policy's stated limits have not been exhausted date" means the date coverage that has been
in effect without any lapse under paragraph l. was first placed in effect. In addition to the provisions of this paragraph 4, The policy deductible relating 10 the building coverage
shall be apX for increasing policy limits, the usual procedures for increasing limits plied against the total damage to all of the building's structural elements by mid-term endorsement
or at renewal time. with the appropriate waiting and not against the covered Joss, and shaH not be applied separately in the period. are applicable 10 the policy the Insured chooses
to keep in effect. case of each unit sustaining damage. 5. The contents coverage of this policy covers damage, subject to the Slated limits. to an contents items owned in common by the
association members and contained in the insured building or removed therefrom inENDORSEMENT 1 accordance with the policy's terms. CONDOMINIUM 􀁾􀁓􀁏􀁃􀀱􀁁􀁔􀁉􀁏􀁎ENDORSEMENT 6. The
policy deductible relating to contents coverage shaH be applied If the named Insured on this policy is a condominium association, then against the total damage to all contents owned
in common by the conat the time of loss by flood the following tenns, subject to all orher 􀁰􀁲􀁯􀁶􀁩􀁾􀀠dominium association members and contained in the insured buiJding or : sions
oflhe policy. will apply: apply: removed therefrom in accordance with the policy's terms and nOl against : I. The building coverage of this policy. subject to the stated limits will
the covered loss. i cover damage to ail building items covered under this policy and owned 1. Loss under this endorsement shaIl be adjusted with the condominium , in common by the condominium
association members. association and shall be payable to the insurance trustee of record, as : 2. The building coverage of this policy. subject to the stated limits, is designated by
the association.i extended to cover damage to all structural items within the individual con8. The Insurer shan not be liable for any loss or any portion of any loss , dominium units,
including walls, floors, ceilings. and their related coverfor which payment is made under any insurance in the name of any con! ings. such as paint, paper, paneling, carpeting? and tile.
Also covered are dominium unit owner, i.e., any member ofthe condominium association. i i IN WITNESS WHEREOF. the Insurer has executed and attested these presents, i 􀀭􀀶􀀿􀁦􀀻􀀻􀁾􀁊􀁴􀁚􀀣􀁾􀁾􀀯C,
M. "BUD" SCHAUERTB 􀁁􀁤􀁭􀁩􀁮􀁩􀁳􀁴􀁲􀁡􀁴􀁯􀁲􀁾􀀠Federallnsurance Administration PROCEDURES IN CASE OF A FLOOD For the protection ofyou and your family. the foUowing tips are suggested
as guidelines by the National Flood Insurance Program. Ifyou are , ever in doubt as 10 what action is needed. consull your insurance agent or ",nthe NFIP toll-free at 1-800-638-6620
or on the TDD line 1-800-447-9487,I Know your agenCs name and phone number. List them here for fast reference: ,,Agent _____________________ Phone Number _____________________ • Please
notify your insurance agent as soon as possible after the flood; • Remind your agent to assign the claim to an approved NFIP claims adjuster; • Detennine the independent claims adjuster
assigned to yourdaim and contact him ifyou have not been contacted within 24 hours after you reported the claim to your insurance agent; the NFIP pays for the services of the independent
claims adjuster assigned to your claim. • As soon as possible separate the damaged property from undamaged property and store all property so it can be inspected and evaluated; • Discuss
with the adjuster any need you may have for an advance or partial payment of your loss; • In order to help the cJaims adjuster, try to take pictures of the outside of the premises showing
the flooding and the damage and similar pictures of the inside of the premises showing the height of the water and the damaged property; • Place an hooks, records, receipts and any 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 detennine and document
all claim items; be prepared to advise the claims adjuster of the cause and responsible party(ies). if flood was caused by other than natural cause; • Make certain the claims adjuster
fully explains aU allowances and procedures for processing claim payments. based on your Proof ofLoss, which the policy requires you 10 send us within 60 days of the loss; and • Any
and all coverage problems and claim allowance restrictions must be communicated directly from the NFIP-claims adjusters have no authority to approve or deny claims and only report to
the NFlP on the elements of flood cause and damage. 
FEMA Fonn No. 81-33 (12f,lO) S93-9054A (12190) 
FEDERAL EMERGENCY MANAGEMENT AGENCY Answers to Questions About The National Flood Insurance ProgramFIA-2/March 1992 
.,: Graphic design based on the Japanese print, The Great Wave Off Kanagawa, by Katsushika Hokusai (1760-1849), Asiatic collection, Museum of Fine Arts, Boston. 
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ItJ FEMA-100 -A Unified National Program for Floodplain Managementupdates a1979 report which presents strategies fundamental to implementing abalanced approach to floodplain management.
To order any of these publications and to request additional copies of FIA-2-Answers to Questions About the National Flood Insurance Program, write to: Federal Emergency Management Agency
P.O. Box 70274 Washington DC 20024 ATIN:Publications Please include both the publication number and the name when ordering. Answers to Questions About the National Flood Insurance Program
This pamphlet is intended to acquaint the public with the National Flood Insurance Program (NFIP). Despite the highly technical nature of the Program, there has been adeliberate effort
to minimize the use of technical terms, This publication is designed for readers who do not need adetailed history or refined technical or legal explanations, but do need abasic understanding
of the program and the answers to some frequently asked questions. Readers who need need legal definitions should refer to the Standard Flood Insurance Policy and to Federal regulations.
The information provided is as current as possible, but changes in the NFIP are made periodically. Readers can obtain the most up-ta-date insurance information by using the telephone
and address directory at the back of the pamphlet. Use of acronyms and initials has been limited, but some terms are used so often that acronyms and initials are practical and of assistance
to the reader. The term will be spelled out at its first use in the text with the acronym or initials following in parentheses. For readers' convenience, following is a listing of acronyms
and initials that appear in Answers to Questions About the National Flood Insurance Program: FEMA -Federal Emergency Management Agency FHBM -Flood Hazard Boundary Map FIA -Federal Insurance
Administration FIRM -Rood Insurance Rate Map LOMA -Letter of Map Amendment LOMR -Letter of Map Revision NFIP -National Flood Insurance Program SFHA -Special Flood Hazard Area SFIP -Standard
Flood Insurance Policy WYO -Write Your Own ·U.S. Government Printing OI1!ce: 1992-62e).:;)7$1GQ523 50 
if Additional Reading The following publications on flood-related subjects are available at no charge from the Federal Insurance Administration/Federal Emergency Management Agency: fEMA-14
-Guide to Flood Insurance Rate Maps -for understanding how to read and use aFEMA Flood Insurance Rate Map. fEMA-15 -Design Guidelines for Flood Damage Reduction -provides general information
on flooding and how to properly design and build in floodprone areas. FEMA-54 -Elevated Residential Structures -covers proper design and construction methods for elevated areas. FEMA-55
-Coastal Construction Manual -demonstrates design and construction techniques for construction in coastal high hazard areas. FEMA-85 -Manufactured Home Installation in FloOd Hazard Areascontains
information on how properly to site and install amanufactured home in aflood hazard area with emphasis on design of elevated foundations. fEMA-1D2 -Floodproofing Non-Residential Structures-describes
avariety of floodproofing strategies for commercial and industrial structures. fEMA-114 -Design Manual for Retrofitting Floodprone Residential Structures -presents floodproOfing techniques
that can be used for existing residential structures. FEMA-116 -Reducing Losses in High Risk Flood Hazard Areas: A Guidebook for Local Officials -designed to help local governments improve
their floodplain rnanagernent programs for high risk flood hazard areas. f1A-12 -Appeals, ReVisions, andAmendments to Flood Insurance Maps: A Guide for Community Officials-details how
to obtain reviSions to FEMA flood risk maps. f1A-13 -Flood Emergency and Residential Repair Handbook -outlines for the homeowner those actions that can be taken before and after aflood
to help reduce darnage and speed repairs. 49 
Guide to Answers to Questions About the National Flood Insurance Program Question Page Number Number Introduction to the NFIP 1 "NFIP" Defined ........................................................
..................1 2-3 "NFIP" History ..........................................................................1 4 "Flood" Defined ..................................................................
......2 5 The Role of State Insurance Regulators ....................................2 6 "Write Your Dwn" Defined ........................................................2 7 Benefits
of NFIP ........................................................................3 8 "Community" Defined ...............................................................3 9 Community Participation
..........................................................3 10 Voluntary Participation .............................................................4 11 "Emergency Program" Defined ..................
...............................4 12 "Regular Program" Defined ......................................................5 13-16 Probation .................................................................
.................5 17 Suspension ...............................................................................5 18 Ramifications of Non-partiCipation ...........................................6
Flood Insurance Information for Prospective Buyers 19 Who May Purchase Flood Insurance .........................................7 20 Determining Eligibility to Buy .........:.........................
.................7 21 Determining Whether aproperty Is in aFlood Area ..................7 22 Insurable Buildings ...................................................................8
23 Uninsurable Properties .............................................................8 24 Coverage Restrictions for Insurable Buildings ..........................8 25 How to Buy Flood
Insurance .....................................................8 26 How Premiums Are Calculated .................................................9 27 Mandatory Purchase Requirements
........................................1 0 28 Need for Coverage in Communities with No Flood History ..... 11 29 Number of Buildings Per Policy ..............................................11
30 Policy Term (number of years) ...............................................11 31 Minimum Policy Premium ......................................................11 32 Waiting Period
........................................................................12 48 iii 
33 "Presentment of Payment" Defined ........................................12 WEST VIRGINIA West Virginia Office of {304} 348-5380 34 "WYO" Wailing Periods and Presentment of Payment
........... 12 Emergency Services 35 Rating Buildings in Coastal Areas ...........................................12 Room EB-80 36 Cancellation of Policies ...........................................
................13 Capitol Building 37 "Grace Periods" ......................................................................13 Charleston, West Virginia 25305 Coverage WISCONSIN Department
of Natural Resources {608} 266-3093 38 Amounts of Coverage Available ..............................................15 Flood Plain-Shoreland Management Section P.O. Box 7921 39 Limitations
on Certain Types of Items ....................................15 40 Flood Losses Covered .............................................................15 Madison, Wisconsin 53707 41 Coverage
in Basements and Enclosed Areas .......................... 16 42 "Basement" Defined ...............................................................16 WYOMING Wyoming Emergency {307}
777-7566 43 Water Seepage and Sewer Backup Damage ............................16 Management Agency P.O. Box 1709 44 Deductibles .......................................................................
......16 45 Costs of Preventive Measures ................................................ 17 Cheyenne, Wyoming 82003 46 Replacement Cost Coverage ...................................................17
47 How does apolicyholder file aclaim for flood loss?............... 19 Filing a Flood Insurance Claim 48 "Proof of Loss" Defined ..........................................................19
49 "Loss in Progress" Defined ....................................................19 50 Lack of Coverage for a Loss in Progress ................................19 51 .Maximum Amount
Collectable ................................................19 The Community's Role In Floodplain Management 52 Role of the Community ...........................................................21
53 Difference Between FHBM and FIRM ......................................21 54 State Government Participation ..............................................22 55 Federal Requirements
Versus States ......................................22 56 "Floodplain Management Measures" Defined .........................22 57 Effect of Floodplain Management on Existing Structures
........22 58 "Substantial Improvement" Defined .......................................22 59 Construction Outside Special Flood Hazard Areas ..................23 60 Modifying the Basic
Requirements .........................................23 iv 47 
􀁾􀀠 TENNESSEE TEXAS UTAH VERMONT VIRGIN ISLANDS VIRGINIA WASHINGTON Tennessee Department of Economic (615) 741-2211 and Community Development Division of Community Development 320 Sixth
Avenue, North -Sixth floor Nashville, Tennessee 37219-5408 Texas Water Commission (512) 463-8000 P.O. Box 13087 Capitol Station Austin, Texas 78711-3087 Office of Comprehensive Emergency
(801) 533-5271 Management 1543 Sunnyside Avenue Salt Lake City, Utah 84108 Division of Water Resources (802) 244-6951 Agency of Environmental Conservation 10 North Building 103 South
Main Street Waterbury, Vermont 05676 Department of Planning (809) 774-3320 Resources 179 Alton & Welgunst SI. Thomas, Virgin Islands 00802 Department of Conservation (804) 786-2886 and
Historic Resources Division on Soil and Water Conservation 203 Governor Street-Suite 206 Richmond, Virginia 23219-2094 Department of Ecology (206) 459-6169 Mail Stop PVll Olympia, Washington
98504 Mapping 61 Community Input to Flood Hazard Assessment ......................25 62 Determining Flood Hazard Areas ............................................25 63 "Flood Hazard
Zones" Defined ................................................25 64 "Floodway" Defined ................................................................27 65 Changing a FIRM .........................
...........................................27 66 "Letter of Map Amendment" Defined ......................................27 67 "Technical or Scientific Data" Defined .................................
... 28 68 "Letter of Map Revision" Defined ........................................... 28 69 "Conditional Map Revision" Defined ....................................... 28 70 "Physical
Map Revision" Defined ...........................................28 71 Contact to Initiate a LaMA, LOMR, or Physical Map Revision 29 72 Time Frames for Map Changes ...................................
...........29 73 Terminating Flood Insurance After aMap Change ..................29 74 Burden of Proof on Requestor ................................................30 75 How to Obtain
Technical Data Shown on Maps ......................30 Flood Insurance Address and Telephone Directory NFIP ........................................................................................31
FEMA Regional Offices ......................................................33-35 State Coordinating AgenCies for Flood Insurance ..............37-45 Additional Reading Listing of Available
Publications ............................................47 46 v 
OKlAHOMA OREGON PENNSYLVANIA PUERTO RICO RHODE ISLAND SOUTH CAROLINA SOUTH DAKOTA Oklahoma Water Resources Board 12th Floor Northeast 1000 Northeast 10th P.O. Box 53585 Oklahoma City,
Oklahoma 73152 Department of Land Conservation Development 1175 Court Street N.E. Salem, Oregon 97310 Department of Community Affairs Forum Building -Room 317 Harrisburg, Pennsylvania
17120 Puerto Rico Planning Board P.O. Box 41119, Minillas Station De Diego Avenue, Stop 22 San Juan, Puerto Rico 00940-90985 Department of Administration Statewide Planning Program 265
Melrose Street Providence, Rhode Island 02907 South Carolina Water Resources Commission AT&T Capital Center, Suite 1100 1201 Main Street Columbia, South Carolina 29201 Disaster Assistance
Program Emergency and Disaster Services 500 East Capitol Pierre, South Dakota 57501 (405) 271-2555 (503) 378-2332 (717) 787-7400 (809) 726-6000 Extension 4494 (401) 2n-2656 (803) 737-0800
(605) n3-3231 45 
!rJ NEW JERSEY New Jersey Department of Environmental Protection Division 01 Coastal Resources P.O. Box 401 501 East State Street CN 401 Trenton, New Jersey 08625 NEW MEXICO New Mexico
State Engineer's Office Bataan Memorial Building Santa Fe, New Mexico 87503 NEW YORK Flood Protection 8ureau New York Department 01 Environmental Conservation 50 Wolf Road Room 330 Albany,
New York 12233-3507 NORTH CAROLINA North Carolina Department 01 (919) 733-3867 Crime Control and Public Safety DiviSion of Emergency Management 116 West Jones Street Raleigh, North Carolina
27603-1335 NORTH DAKOTA State Water Commission 900 East Boulevard Bismark, North Dakota 58505 OHIO Ohio Department 01 Natural Resources Division of Water Flood Plain Management Fountain
Square Columbus, Ohio 43224 44 (609) 292-2296 (505) 827-6091 (518) 457-3157 (701) 224-2750 (614) 265-6755 Introduction to the NFIP 1. What is the Nalional Flood Insurance Program (NFIP)?
The NFIP is afederal program enabling property owners to purchase insurance protection against losses Irom flooding. This insurance is designed to provide an insurance altemative to
disaster aSSistance to meet the escalating costs of repairing damage to buildings and their contents caused by floods. Until recently, such coverage was generally unavailable from private-sector
insurance companies. Participation in the NFIP is based on an agreement between local communities and the federal govemment which states that if acommunity will implement and enforce
measures to reduce future flood risks to new construction in special flood hazard areas, the federal government will make flood insurance available within the community as afinancial
protection against flood losses which do occur. 2. Why was the NFIP established by Congress? For decades, the national response to flood disasters was generally limited 10 constructing
flood control works such as dams, levees, sea walls, and the like and providing disaster relief to flood victims. This approach did not reduce losses or discourage unwise development
and, in some instances, may have actually encouraged additional development. To compound the problem, the public could not buy flood coverage from insurance companies, and building techniques
to reduce flood damage were often overlooked. In the face of mounting flood losses and escalating costs to the general taxpayers of disaster relief, Congress created the NFIP. The intent
was to mitigate future damage and provide protection for property owners against potential losses through an insurance mechanism that allows apremium to be paid for the protection by
those most in need of this protection. 3. How was the NFIP established and who administers it? Congress established the NFl Pwith the passage of the National Flood Insurance Act of 1968.
The NFIP was broadened and modified with the passage of the Flood Disaster Protection Act of 1973 and other legislative measures. The NFIP is administered by the Federal Insurance 1

􀁾􀀠Administration (FIA), acomponent of the Federal Emergency Management MISSISSIPPI Mississippi Emergency (602) 960-9033 Agency (FEMA),an independent agency. Management Agency P.O.
Box 45014. What is aflood? Fondren Station "Flood" is defined in the Standard Flood Insurance Policy (SFIP), in part, as: Jackson, Mississippi 39216 Ageneral and temporary condition
of partial or complete inundation of MISSOURI Department of Natural Resources (314) 751-2116nomnally dry land areas from overflow of inland or tidal waters or from 101 North Jeffersonthe
unusual and rapid accumulation or runoff of surface waters from P.O. Box 176any source. Jefferson City, Missouri, 65102 5. 00 the state Insurance regulators have anv jurisdiction over
the MONTANA Montana Department of Natural (406) 444-6646 NFIP in their respective states? Resources and Conservation 1520 Easst 6th AvenueAs established by Congress, the NFIP is subject
to the rules and regulations Helena, Montana 59620-2301of the Federal Insurance Administration. FIA has elected to have statelicensed insurance companies' agents and brokers sell flood
insurance to NEBRASKA Nebraska Natural Resources (402) 471-2081consumers. State regulators hold the insurance companies' agents and Commissionbrokers accountable for providing NFIP customers
with the same standards P.O. Box 94876and level of service that the states require of them in selling their other lines Lincoln, Nebraska 68509of insurance. Private insurance companies
participating in the Write Your Own (WYO) NEVADA Division of Emergency Management (702) 885-4240 program must be licensed and regulated by states to engage in the business State of Nevada
of property insurance in those states in which they wish to sell flood Capitol Complexinsurance. 2525 South Carson Carson City, Nevada 897106. What is the NFIP's "Write Your Own" (WYOI
program? In 1981, astrong effort was begun by the Federal Insurance Administrator NEW Governor's Office of Emergency (603) 271-2231 to reinvolve the private-sector insurance companies
in the the NFIP. HAMPSHIRE ManagementRepresentatives of major insurance companies and insurance trade State Office Park Southassociations met with FIA officials to determine the best
way to achieve this 107 Pleasant Street reinvolvement, and the company representatives outlined conditions under Concord, New Hampshire 03301 which the voluntary sector would become
involved in the WYO program. FIA obtained the necessary clearances from other federal agencies to meet these conditions. 2 43 
􀁾􀀠LOUISIANA Louisiana Department of (504) 379-1432 Over the next several months, FIA, working with insurance company Transportation and Development executives, addressed and resolved
the financial control issues that Office of Public Works prevented the development of aWYO program in the past. The goals of the Floodplain Management Section WYO program are: P.O. Box
94245 • Increase the NFIP pOlicy base and the geographic distribution of policiesBaton Rouge, Louisiana 70804-9245 • Improve service to NFIP policyholders through the infusion of insurance
industry knowledgeMAINE Maine Department of Economic (207) 289-3154 and Community Development • Provide the insurance industry with direct operating experience with State House Station
130 flood insurance. Augusta, Maine 04333 I n August 1983, the Administrator extended an invitation to all licensed property and casualty insurance companies to participate in the WYO,
andMARYLAND Maryland Water Resources (301) 974-2644 as of October 1988, over 200 insurance companies had signedAdministration arrangements with FIA to sell and service flood insurance
under their ownTawes State Office Building D-3 names. Annapolis, Maryland 21401 7. How does the NFIP benefit property owners? Taxpayers? MASSACHUSETTS Massachusetts Division of (617)
727-3267 Communities? Water Resources Through the NFIP, property owners in participating communities are able to Saltonstali Building -Room 1304 insure against flood losses. By employing
wise floodplain management, a100 Cambridge Street partiCipating community can protect its citizens against much of theBoston, Massachusetts 02202 devastating financial loss resulting
from future flood disasters. More-careful local management of development in the floodplains results in constructionMICHIGAN Water Management Division (517) 335-3182 practices that can
reduce flood loss and the high costs associated withMichigan Department of Natural flood disasters to all levels of government.Resources P.O. Box 30028 8. What is the definition of a
community? Lansing, Michigan 48909 A"community," as defined for NFIP's purposes, is any state, area, or political subdivision; any Indian tribe, authorized tribal organization, or MINNESOTA
Flood Plains/Shoreline (612) 296-4800 Alaska native village, or authorized native organization which has the Management Section authority to adopt and enforce floodplain management ordinances
for theDivision of Waters area under its jurisdiction. In most cases, acommunity is an incorporatedDepartment of Natural Resources city, town, township, borough, or village or an unincorporated
area of a 500 LaFayette Road -Box 32 county or parish. However, some states have statutory authorities whichSt. Paul, Minnesota 55515-4032 varyfrom this description. 42 3 
􀁾􀀠9. Why is participation In the NFIP on acommunity basis rather than IDAHO Department of Water (208) 334-7900 on an Individual basis? ResourcesState House Boise, Idaho 83720The National
Flood Insurance Act allows FIA to make flood insurance available only in those areas where the appropriate public body has adopted ILLINOIS Illinois Department of (217) 782-3862adequate
floodplain management regulators for its flood-prone areas, TransportationIndividual citizens cannot regulate building or establish construction Division of Water ResourcespriOrities
lor communities, Without community oversight of building 2300 South Dirksen Parkwayactivities in the floodplain, the best efforts of some to reduce future flood Springfield, Illinois
62764losses could be undermined or nullified by the careless building of others. Unless the community as awhole is practicing adequate flood hazard INDIANA Department of Natural Resources
(317) 232-4160mitigation, the potential for loss cannot be reduced sufficiently to affect 2475 Directors Rowdisaster relief costs, Insurance rates also would reflect the probable higher
Indianapolis, Indiana 46241losses that would result without local floodplain management enforcement activities, IOWA Iowa Department of Natural (515) 281-5385 10. Is community participation
mandatory? Resources Wallace State Dffice BuildingNo. Community partiCipation in the NFIP is voluntary (although some states Des Moines, Iowa 50319require NFIP partiCipation as part
of their state floodplain management program), Each identified flood-prone community must assess its flood KANSAS Division of Water Resources (913) 296-3717hazard and determine whether
flood insurance and floodplain management Kansas State Board of Agriculturewould benefit the community's residents and economy. However, a 109 Southwest Ninth Streetcommunity that chooses
not to partiCipate within one year after the flood Topeka, Kansas 66612-1283hazard has been identified and aflood risk map has been provided is subject to the ramifications explained
in in the answer to Question #18. KENTUCKY KentuckY Department (502) 564-3410 Because acommunity's participation status can significantly affect current of Natural Resources and future
owners of property located in Special Flood Hazard Areas (SFHA) Division of Water and the availability of federal financial assistance in the flood-prone areas 01 18 Reilly Road the
community, the decision should be made with afull awareness of the Fort Boone Plaza consequence of each action. Frankfort, KentuckY 40601 11. What is the emergency program? The emergency
program is the initial phase of acommunity's participation in the NFl Pand is designed to provide alimited amount of insurance at federally subsidized rates prior to the effective date
of the community's initial Flood Insurance Rate Map (FIRM), Acommunity participating in the 4 41 
IfJ CONNECTICUT DELAWARE DlsmlCTOF COLUMBIA FLORIDA GEORGIA GUAM HAWAII State Department of Environmental (203) 566-7244 Protection 168 Capitol Avenue Hartford, Connecticut 06106 Department
of Natural Resources (302) 736-4411 and Environmental Control Division of Soil and Water Conservation 89 Kings Highway -P.O. 1401 Dover, Delaware 19903 Department of Consumer (202) 727-7170
Regulatory Affairs 614 HStreetN.w. Washington, D.C. 20001 Department of Community Affairs (904) 487-4915 Division of Emergency Management Rhyne Building 2741 Centerview Tallahassee,
Florida 32399 Department of Natural Resources (404) 656-4713 Environmental Protection Division 205 Butler Street S.E. Floyd Towers East -Suite 1252 Atlanta, Georgia 30334 Office of Civil
Defense (011) 671-477-9841 Post Office Box 2877 Agana, Guam 96910 Hawaii Board of land and Natural (808) 548-7642 Resources P.O, Box 621 Honolulu, Hawaii 96809 emergency program is usually
provided with aFlood Hazard Boundary Map (FHBM) and is required to adopt limited measures aimed at controlling future use of its floodplains. Relatively few ot'the 18,000 communities
participating in the NFIP remain in the emergency program, and all of them will be converted to the regular program by the end of FY 1991. (For additional information on mapping, see
Question #61.) 12. What is the regular program? The regular program is the phase of acommunity's participation in the NFIP under which more comprehensive ffoodplain management requirements
are imposed and higher amounts of insurance are available based on risk zones and elevations determined in the flood insurance study of the community. A FI RM is used in this phase of
NFl Pparticipation. 13. What is probation? Probation is the formal notification by FEMA to acommunity that its floodplain management compliance program does not meet NFl Pcriteria. It
is an action authorized under federal regulations. 14. When can a community be placed on probation? Acommunity can be placed on probation 90 days after FEMA provides written notice to
community officials of specific deficiencies. Probation generally is imposed only after FEMA has consulted with the community and has not been able to resolve deficiencies. The FEMA
Regional Director has the authority to place communities on probation. 15. How IDng will probation last? Probation may be continued for up to one year after the community corrects ali
program deficiencies and remedies all violations to the maximum exlent possible. 16. What penalties are imposed when a CDmmunlty is placed on probation? An additional $25 charge is added
to the premium for each flood insurance policy sold or renewed in the community. The additional charge is effective for at least one year after the community's probation period begins.
The 40 5 
It surcharge is intended to focus the attention of policyholders on the community's non-compliance to help avoid suspension of the community which has serious adverse impacts on those
policyholders. Probation does not affect the availability offload insurance. 17. What is 􀁳􀁵􀁳􀁰􀁥􀁮􀁳􀁩􀁯􀁾􀀿􀀠Suspension of aparticipating community (usually after aperiod of probation)
occurs when the community fails to solve its compliance problems. The community is provided written notice of the impending suspension and granted 30 days in which to show cause why
it should not be suspended. Suspension is imposed by the Federal Insurance Administrator. If suspended, the community becomes non-participating and flood insurance policies cannot be
written or renewed. Policies in force at the time of suspension continue in force for the policy term. Three-year policies, which are written only by Write Your Own (WYO) companies,
remain in force until the next annual anniversary date of the policy. 18. What happens if a community does not participate in the NFIP? Flood insurance under the NFIP or WYO program
is not available within that community. (See Question #27 on mandatory purchase requirements.) If a Presidentially declared disaster due to flooding occurs in anonparticipating community,
no federal financial assistance can be provided for the permanent repair or reconstruction of insurable buildings in Special Flood Hazard Areas (SFHAs). Eligible applicants may receive
those forms of disaster assistance that are not related to permanent repair and reconstruction of buildings. State Coordinating Agencies for Flood Insurance ALABAMA Alabama Department
of Economics and Community Affai rs State Planning Division P.O. Box 2939 3465 Norman Bridge Road Montgomery, Alabama 36105-0939 (205) 284-8735 ALASKA Alaska Department of Community
and Regional Affairs Municipal and Regional Assistance Division 949 East 36 Suite 400 Anchorage, Alaska 99508 (907)561-8586 ARIZONA Arizona Department of Water Resources 15 South 15th
Avenue Phoenix, Arizona 85004 (602) 542-156 ARKANSAS Arkansas Soil and Water Conservation Commission #' 1Capitol Mall Suite 2 D Little Rock, Arkansas 72201 (501) 628-3969 CALIFORNIA
California Department of Water Resources P.O. Box 942836 Sacramento, California 94236-0001 (916) 445-6249 COLORADO Colorado Water Conservation Board State Centennial Building, Room 721
1313 Sherman Street Denver, Colorado 80203 (303) 866-3441 39 6 
Flood Insurance Information for Prospective Buyers 19. Who may purchase aflood insurance policy? NFIP coverage is available to all owners and occupants of insurable property (a building
and/or its contents) in acommunity participating in the NFIP. Owners and renters may insure their personal property against flood loss. Builders of buildings in the course of construction,
condominium associations, and owners of residential condominium units in participating communities all may purchase flood insurance. Condominium associations may purchase acondominium
master policy that covers both the common elements of the building and the individual units owned by the members of the association. Residential condominium unit owners may purchase
building and contents (personal property) flood insurance to supplement any insurance purchased by the condominium owners' association. Owners of non-reSidential condominium units may
purchase only contents coverage in their own name. The non-residential condominium building must be insured in the name of the association. 20. How can I find out if I am eligible to
purchase flood insurance? NFl Pcoverage is available only in partiCipating communities. Almost all of the nation's communities with serious flooding potential have joined the NFIP. To
learn if a community is participating in the NFIP, contact aproperty insurance agent or broker or community officials. 21. How can aproperty owner determine if the property is in aSpeCial
Flood Hazard Area (SFHA)? FEMA publishes maps indicating communities' flood hazard areas and the degree of risk in those areas. Flood insurance maps usually are on file in a local repository
in the community such as the town hall or county building. Aproperty owner may consult these maps to determine if the property is in aSFHA. Atoll-free telephone number and mailing address
for the Flood Map Distribution Center are listed in the Flood Insurance Address and Telephone Directory at the back of this publication (Page 33), and may be used to order maps. Delivery
Delivery is usually within two to four weeks. There is acharge for maps for some users, so it is advisable to call for detailed information. 38 7 
22. What types of property may be insured against flood loss? Almost every type of walled and roofed building that is principally above ground and not entirely over water may be insured
if it is in aparticipating community. In most cases, this includes manufactured (i.e., mobile) homes that are anchored to permanent foundations, but does not include travel trailers
or converted buses or vans. Contents within insurable walled and roofed buildings also may be insured under separate coverage. 23. What kinds of property are not insurable under the
NFIP? Buildings over water or principally below ground, gas and liquid storage tanks, animals, birds, fish, aircraft, wharves, piers, bulkheads, growing crops, shrubbery, land, livestock,
roads, machinery or equipment in the open, and motor vehicles are not insurable. Most contents and finishing materials located in abasement or in enclosures below the lowest elevated
floor of an elevated Post-FIRM building are not covered. (See Question #41 for coverage limitations in basements and below lowest elevated floors.) Information on the insurability of
any special property may be obtained by contacting aproperty insurance agent or aWrite Your Own company agent. 24. Are there certain buildings that cannot be covered? Flood insurance
is not available for buildings which the Federal Insurance Administrator determines have been declared by astate or local zoning or other authorized authority to be in violation of state
or local floodplain management regulations or ordinances. No new policies can be written to cover such buildings, nor can an existing policy be renewed. Buildings constructed or substantially
improved since October 1, 1983, and located in designated undeveloped coastal barrier portions or communities are not eligible for flood insurance. These areas are located in over 100
communities on the Atlantic and Gulf coasts and are delineated on the communities' flood maps. 25. How Is flood insurance purchased? After acommunity joins the NFIP, apolicy may be purchased
from from any licensed property insurance agent or broker who is in good standing in the state in which the agent is licensed or through any agent representing a REGION IX (Arizona,
California, Hawaii, Nevada, Guam, American Samoa, Northern Mariana Isles, MicroneSia, Marshall Islands, and Palau) Presidio of San Francisco Building 105 San Francisco, CA 94129 (415)923-7179
REGION X (Alaska, Idaho, Oregon, and Washington) Federal Regional Center 130 228th Street, S.W. Bothell, WA 98021-9796 (206) 481-8800 8 37 
IfJ REGION V (Illinois, Indiana, Michigan, Minnesota, Ohio, and Wisconsin) 175 West Jackson Boulevard (Fourth floor) Chicago, IL 60604-2698 (312) 408-5500 REGION VI (Arkansas, Louisiana,
New Mexico, Oklahoma, and Texas) Federal Regional Center 800 North Loop 288 Oenton, TX 76201-3698 (817) 898-5134 REGION VII (Iowa, Kansas, Missouri, and Nebraska) Federal Office Building
911 Walnut Street Room 200 Kansas City, MO 64106 (816) 283-7002 REGION VIII (Colorado, Montana, North Dakota, South Dakota, Utah, and Wyoming) Denver Federal Center Building 710 P.O.
Box 25267 Denver, CO 80225-0267 (303) 235-4830 Write Your Own company (WYO) (see Question #6), including an employee of the company authorized to issue the coverage. The steps leading
to the purchase of aflood insurance policy are: • Aproperty owner perceives arisk of flooding to an insurable building and elects to purchase flood insurance or alender making amortgage
informs the builder or potential buyer that the building is in aSpecial Flood Hazard Area (SFHA) and that flood insurance must be purchased as required by the Flood Disaster Protection
Act of 1973. The builder or borrower contacts an insurance agent or broker or Write Your Own ('WYO) company. • The insurance agent completes the necessary forms for the builder or buyer.
In the case of abuilding constructed in aSFHA after the issuance of aFlood Insurance Rate Map (FIRM) (see Question #53), the builder or buyer must obtain an elevation certificate completed
by alicensed engineer, architect, surveyor, or appropriate community official. • The insurance agent submits the application, necessary elevation certification, and full premium to the
NFIP or to aparticipating WYO company. • The property owner may choose to purchase aflood insurance policy through acompany that sells property insurance (e.g., homeowners) if that company
is participating in the WYO program. In this case, the company's agent goes through the same process as an agent in obtaining coverage directly with the NFIP, except the property owner
must submit the full premium to the company, not the NFIP. The policy is then serviced by the company under its customary business practices. 26. How are flood illsurallce premiums calculaled?
Anumber of factors determine the premium rates for flood insurance coverage. They include the amount of coverage purchased, location, age of the building, building occupancy, the design
of the building, and, for buildings in SFHAs, the elevation. The only buildings in Zones B, C, and X which are eligible for preferred risk coverage at apre-determined, reduced premium
rate are single-family and 1-4 family dwellings. For these 36 9 
, 􀁾􀀠 exceptions, there are certain loss limitations depending on the amount of insurance purchased. 27. Is the purchase of flood Insurance mandatory? The Flood Disaster Protection
Act of 1973 as amended mandates the purchase of flood insurance as acondition of receipt of federal or federally related financial assistance for acquisition and/or construction of buildings
In SFHAs of any community. The purchase of flood insurance on avoluntary basis is frequenlly prudent even outside of SFHAs. The Act prohibits federal agencies, such as FHA, VA and SBA,
from making or guaranteeing aloan secured by abuilding in aSFHA unless flood insurance has been purchased. The prohibition applies in all communities which FEMA has identified as having
SFHAs, including those communities that are not participating in the NFIP. Flood insurance cannot be purchased for buildings in non-participating communities. The prohibition of the
Act applies to federal regulatory instrumentalities, such as Office of Comptroller of the Currency, Federal Deposit Insurance Corporation, Federal Savings and Loan Institution, and Federal
Home Loan Bank Board Lending institutions regulated, or whose deposits are insured, by aFederal instrumentality, must require the purchase of flood insurance according to the regulations
of the federal instrumentality. The purchase of flood insurance does not apply for conventional loans from federally regulated lenders when the community in which the building is located
is not participating in the NFIP.ln these cases, the lending institution is required to notify the borrower that, in the event of afloodrelated PreSidentially declared disaster, Federal
disaster assistance will not be available for the permanent repair or restoration of the building. Federally regulated or insured lending institutions are required in all cases to notify
the borrower when the building being used to secure aloan is in aSFHA. The amount of flood insurance required by alending institution cannot exceed the amount of coverage which the Congress
has made available and should not exceed the insurable value of the building, whichever is less. A lending institution is not required by statute to make the borrower purchase flood
insurance for more than the amount of the loan or for more than twice 10 FEMA Regional Offices REGION I (Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, Vermont) J. W.
McCormack Post Office and Courthouse Building Room 462 Boston, MA 021 09 (617) 223-9561 REGION" (New Jersey, New York, Puerto Rico, and Virgin Islands) 26 Federal Plaza Room 1337 New
York, NY 10278 (212) 225-7203 REGION III (Delaware, District of Columbia, Maryland, Pennsylvania, Virginia, and West Virginia) liberty Square Building (Second floor) 105 South Seventh
Street Philadelphia, PA 19106 (215) 931-5750 REGION IV (Alabama, FlOrida, Georgia, Kentucky, MISSiSSippi, North Carolina, South CarOlina, and Tennessee) 1371 Peachtree Street, N.E. Suite
700 Atlanta, GA 30309 (404) 853-4400 35 
the amount of insurance available under the Emergency Program ($35,000 times 2= $70,000), whichever is less. Alending institution may, however, as part of its lending pOlicy, require
the borrower to purchase flood insurance in agreater amount than required by statute, and for buildings outside SFHAs. 28. Why is there arequirement to purchase flood insurance in communities
which have not suffered flooding in many years or ever? Amajor purpose of the NFIP is to alert communities to the danger of flooding and to assist them in reducing potential property
losses before a flood occurs, not when it is too late. Therefore, FEMA determines flood risk through the use of all available infonnation for each community. HistOrical flood data are
only one element used in detennining flood risk. More critical conclusions can be made by evaluating the community's rainfall and riverflow data, topography, wind velocity, tidal surge,
flood control measures, development (existing and planned), community maps, and other data. 29. How many buildings or locations (and Iheir conlents) may be insured on each polley? Normally,
only one building and its contents can be insured on each policy. The Dwelling Fonn of the Standard Flood Insurance Policy does provide coverage for up to 10 percent of policy amount
for appurtenant garages and carports, but nollor tool and storage sheds and the like. In addition, up to 10 buildings antilor their contents may be insured on one policy on a scheduled
building basis, if the application to schedule buildings under one policy is presented on aform or in aformat approved by the Federal Insurance Administrator. 30. What is the flood insurance
policy term? Flood insurance coverage written directly with the NFIP is available only on aone-year, prepaid basis. Write Your Own companies may offer three-year policies at their discretion.
34 11 
􀁾􀀠 31. Is there a minimum premium for a flood Insurance policy? There is aminimum premium for all flood insurance policies. Property insurance agents who write flood insurance coverage
should know the current minimum premium. 32. Is there awailing period for flood insurance to become effective? There is normally afive-day waiting period. During the 30-day period following
acommunity's initial entry into the emergency program or following the community's conversion to the regular program, the effective date and time of any new or added amount of flood
insurance coverage is 12:01 a.m. of the day following the application date and the presentment of payment of premium. When title to aproperty is conveyed, any new or added flood insurance
coverage on the property is effective when the title is transferred. 33. What is "presentment of payment?" "Presentment of payment" is the receipt of premium and is considered to be
the time that payment is actually received by the NFl P. Delivery to an insurance agent or broker or mailing apremium by ordinary mail with placement of apostmark does not constitute
presentment to the NFIP. Apremium mailed in atimely manner by certified mail and received by the NFl Pis considered to have been delivered to and received by the NFl Pas of the date
of the certification bY the post office. If time is short and coverage is needed, the certified mail transmittal of payment should be considered. 34. Is there any difference in the wailing
period and presentment of payment for policies written with aWrite Your Own (WYO) company? The waiting period for pOlicies written with WYO companies is the same as detailed in Question
#32. The presentment of payment is determined from the lime the agent or authorized employee of the WYO company received the application and premium, or from the time the application
and premium are received in acentral office or processing facility. Property owners should check with individual WYO company agents for details about specific companies. Flood Insurance
Address Address and Telephone Directory For general program information or inquiries about the laws, regulations, or administrative policies related to the NFIP, write: Federal Emergency
Management Agency Federal Insurance Administration 500 CStreet, S.W. Washington, DC 20412 For insurance questions, call local property insurance agents or brokers or call toll-free,
1-(800) 638-6620' . • In Maryland, call 1-(800) 492-6605. In Alaska, Guam, and Hawaii, call 1-(800) 638-6831. To order Flood Hazard Boundary Maps, Flood Insurance Rate Maps, and for
information on Flood Insurance Studies, call the Flood Map Distribution Center's toll-free number, 1-800-333-1363, or mail aFlood Insurance Map Order Form (obtained bY calling the same
number), to: Federal Emergency Management Agency Flood Map Distribution Center 6930 (A-4) San Tomas Road Baltimore, MD 21221-6221 For information pertaining to hazard identification
mapping and floodplain management, contact the appropriate FEMA Regional Office listed on the following pages or or the FEMNFIA address shown above. For requests for multiple-lot or
multiple-building LOMA, LOMR, or physical map revision determinations, write: Federal Emergency Management Agency Federal Insurance Administration Ollice 01 Risk Assessment Technical
Operations Division Washington, DC 20472 For technical data that is the basis for flood hazard identification write: EDSP Repository 1500 Greenway Center Drive Suite 100 Greenbelt, MD
20110 12 33 
35. Is there a special rating procedure applicable 10 Vzones (coastal high hazard areas)? In calculating the applicable rates for buildings which were constructed or substantially improved
in Vzones after October 1,1981, the actuarial formula takes into account the ability of the building to withstand the impact of wave action. The agent must follow the special instructions
in the Flood Insurance Manual in preparing an application for coverage for buildings located in any Vzone. (See Question #63 for afurther explanation of Vzones.) 36. Can flood insurance
be cancelled at the request of the insured with arefund of premium? Yes, but only in certain specified circumstances, since all of the premium is fully earned on the first day of the
policy term. Premium will be refunded on apro-rata basis when the policyholder no longer owns or has an insurable interest in the insured property, provided that no claim has been paid
or is pending. There are other limited cancellation provisions for the refunding of premium. Policyholders wishing to cancel apolicy should contact the insurance agent who wrote the
policy to discuss cancellation criteria. Additional information on cancellations may be obtained by calling the appropriate toll-free number shown in the "Flood Insurance Address and
Telephone Directory" section. 37. Is there a "grace periodu for an insured under the NFIP poller conditions? All policies expire at 12;01 a.m. on the last day of the effective term.
(For the ease and convenience of insurance agents and brokers, lenders, and pOlicyholders, NFIP rules allow for "renewal" of expiring policies and no new application is required.) Coverage
remains in force for 30 days after the expiration of the policy, and claims for losses that occur in that period will be honored providing that full renewal premium is received by the
end of the 30-day period. Acoverage "grace period" also remains in force for 30 days after written notice to the mortgagee of the expiration of apolicy for any mortgagee named in the
policy. 32 1
3 for which the data are sought, provide specific information as to the portion of the community and type of data needed, and should give the requester's name and telephone number. Before
the request is serviced, the repository staff will call to discuss the request. If acharge will be necessary for the service, the extent of the service and the costs will be discussed
during the call. 14 31 
􀁾􀀠 issued within four weeks. LOMAs and LOMRs involving multiple lots or multiple buildings require up to eight weeks to process. Times are specified from the date of receipt of all
technical, scientific, or legal documentation. LOMRs involving decreases in Base Flood Elevations (BFEs) orfloodways take approximately 90 days for processing. II changes in flooding
conditions are extensive or if BFEs increase, aphysical map revision will be required, which may take 12 months or longer. 73. If aLOMA or LOMR Is granted and the lender waives the requirement
for flood Insurance, how can aflood insurance policy be cancelled? To effect acancellation of aflood insurance policy, the policyholder must supply acopy of the LOMA or LOMR and awaiver
for the flood insurance purchase requirement from the lending institution to the insurance agent or broker who services the policy. Acompleted acancellation form with the LOMA or LOMR
and the waiver must be submitted by the agent to the NFIP or the appropriate Write Your Own company. When aLOMA or LOMR is issued and cancellation requested, the policyholder may be
eligible for arefund of the premium paid for the current policy year only if no claim is pending and no claim has been paid during the current policy year. 74. Why is the burden of proof
on the person requesting amap change? Govemment agencies and private engineering firms are contracted at considerable cost to perform analyses of flood risks and prepare flood maps for
the community. The analysis and Flood Insurance Study findings are then reviewed by FEMA and community officials. FEMA has no justification for changing astudy determination without
sufficient evidence that achange is appropriate. 75. How can the technical data that is the basiS for the flood hazard information shown on the published FEMA maps be obtained? By writing
to the address shown in the Flood Insurance Address and Telephone Directory (page 33) for the EDSP Repository and requesting the technical data. Requesters'lelters should give the name
of the community Coverage 38. How much flood insurance coverage is available Emeroency program Regular program Buildina Coveraae Single-family dwelling' $ 35,000 $185,000 Other residential'
100,000 250,000 Non-residential 100,000 _200,000 Small business 100,000 250,000Contents Covernae (QerunjQ Residential $ 10,000 $ 60,000 Non-residential 100,000 200,000 Small Business 100,000 300,000 * Higher limits ofbasic coverage are available under the emergency
program in Hawaii, Alaska, U.S. Virgin Islands, and Guam. 39. Are there limitations on the amount of insurance available for certain types of property? General coverage limitations are
explained in the answer to Question #38 above. In addition, items such as paintings, etchings, pictures, tapestries, other works of art, jewelry, articles of gold, silver or platinum,
and furs are limited to $250 coverage in the aggregate. This limitation does not apply to other items that are personal property or household contents usual or incidental to the occupancy
of the building as aresidence. For other limitations under the Standard Flood Insurance Policy, see the current policy or contact aproperty insurance agent or broker. 40. What flood
losses are covered? The Standard Flood Insurance Policy (SFIP) contains acomplete definition of the coverage it provides. Direct physical losses by "flood" are covered. Also covered
are losses resulting from flood-related erosion caused by waves or currents of water activity exceeding anticipated cyclical levels and 30 15 
! I!J accompanied by asevere storm, flash flood, abnormal tidal surge, or the like, which result in flooding, as defined, Damages caused by mudslides (I.e., mudflows), as specifically
defined in the policy, are covered. In certain cases, NFIP will pay claims on insured buildings that are subject to imminent collapse or subsidence as aresult of erosion so the building
can be demolished or relocated before the damage occurs. Specific requirements must be metfor such claims to be paid, and the amounts of payment are defined by statute. 41. What coverage
Is available in basements and enclosed areas beneath the lowest elevated floor? Coverage is provided for foundation elements, including posts, pilings, piers, or other support systems
for elevated buildings. Coverage also is available for basement and enclosure utility connections, mechanical equipment necessary for the habitability of the building, such as furnaces,
hot water heaters, clothes washers and dryers, food freezers, air conditioners, heat pumps, electrical junctions and circuit breaker boxes. Finished structural elements such as paneling
and linoleum and contents items such as rugs and furniture are not covered. The SFIP has acomplete list of covered elements and equipment. 42. What is a basement? The NFIP's definition
of "basement" includes any part of abuilding where all sides of the floor are located below ground level. Even though aroom may have windows and constitute living quarters, it is still
considered to be a basement if the floor is below ground level on all sides. 43. Are losses from water seepage, sewer backup, or hydrostatic pressure covered? These losses are covered
only when they occur in conjunction with a general condition of flooding in which the insured property has been, at the same time, physically damaged by surface floodwaters. 44. Does
the NFIP apply a deductible 10 losses? Aminimum deductible is applied separately to abuilding and its contents, although both may be damaged in the same flood. Higher deductibles are
16 Those who who are planning such actions may submit design plans and other engineering data to FEMA and request that FEMA evaluate them. The response to such requests describe the
changes that may eventually be made to the effective flood map and are called "conditional letters of map revision." FIA charges afee to defray the costs associated with the evaluation
of proposed projects. Information on these fees may be obtained from the appropriate FEMA Regional Office (see pp. 35-37). 70. What is a physical map revision? Aphysical map revision
is an official republication of amap to eflect changes to flood insurance zones, floodplain delineations, flood elevations, floodways, and planimetric features. These changes typically
occur as a result of structural works or improvements, annexations resulting in additional flood hazard areas, or corrections of base flood elevations or flood insurance risk zones,
The community's chief executive officer can SUbmit scientific and technical data to FEMA to support the request for amap revision. The data will be analyzed, and the map will be revised
if warranted. The executive officer is afforded areview period. When base flood elevations are changed, a90-day appeal period is provided, followed by aperiod for formal approval. 71.
Who should be contacted in FEMA 10 initiate alOMA, lOMR, or physical map revision? Requests for multiple-lot or multiple-building determinations that do not involve changes to base flood
elevations or floodways should be addressed to FIA's Office of Risk Assessment at the address given in the Flood Insurance Address and Telephone Directory (Page 33). All other requests
should be sent to the appropriate FEMA Regional Office (see pp. 35-37). 72. How long does it lake 10 obtain alOMA, lOMR, or physical map revision? For single-building or single-lot determinations
that do not involve changes to base flood elevations or floodways, aLOMA or lOMR generally can be 29 
66. Whal is a LDMA? ALaMA is the result of an administrative procedure in which the Federal Insurance Administrator reviews scientific or technical data submitted by the owner or lessee
of property who believes the property has incorrectly been included in adesignated SFHA. ALaMA amends the currently effective FEMA map and establishes that aproperty is not located in
aSFHA. Although FEMA may issue aLaMA, it is the lending institution's prerogative to require flood insurance as acondition of its own beyond the provisions of the Flood Disaster Protection
Act of 1973 belore granting aloan or mortgage. Those seeking aLaMA should first confer with the affected lending institution to determine whether the institution will waive the requirement
lor flood insurance if a LaMA is issued. If so, the policyholder may cancel flood insurance coverage and obtain apremium refund. 67. What comprises technical or scientific dala? In general,
the scientific or technical data needed to effect amap amendment include certified topographic data and/or hydrologic and hydrauliC analyses to support the request for amendment or revision.
68. What is aLDMR? ALOMR 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 lor 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. ALOMR is usually followed by aphysical map revision. 69. What is a conditional map revision? Communities, developers, and property owners often undertake improvement projects intended
to reduce the flood hazard in their communities and usually want FEMA maps to recognize the effects of these projects. Similarly, property owners and developers who intend to place structures
in the 1QQ-year floodplain usually must demonstrate to lending institutions and local officials that these structures will be above base flood elevation. available, and an insurance
agent can detail the range of specific amounts of available deductibles. Optional higher deductibles reduce policy premiums but will have to be approved by the any lienholder. 45. Are
costs of prevenlive measures covered under Ibe SFIP? Some are. When an insured building is in' imminent danger 01 being flooded, the reasonable expenses incurred by the insured for removal
of insured contents to asafe location and return and the purchase of sandbags, sand to fill them, plastiC sheeting and lumber used in connection with them, the cost of pumps, fill for
temporary levees, and wood will be reimbursed up to the amount of the minimum standard deductible ($500). No deductible is applied to this coverage. 46. Does insurance under the SFIP
provide coverage al replacement cosl? Only for one type of building, and if several criteria are mel. Replacement cost coverage is available for asingle-family dwelling that is the policyholder's
principal residence and is insured for at least 80 percent of the the building's replacement cost at the time of the loss up to the maximum amount of insurance available at the inception
of the policy term (see Questions #38 and #39 for coverage limitations). Replacement cost coverage does not apply to manufactured (i.e. mobile) homes smaller than certain dimensions
specified in the policy or to condominium units not contiguous to the ground. Contents losses are always adjusted on an actual cash value basis. If the replacement cost conditions are
not met, the building loss also is adjusted on an actual cash value baSis. 28 17 
Zone A99: SFHAs subject to inundation by the 1ao-year flood which will be protected by afederal flood protection system when construction has reached specified statutory progress toward
completion. No base flood elevations or depths are shown. Mandatory flood insurance purchase requirements apply. Zones B, C, andX: These areas have been identified in the community flood
insurance study as areas of moderate or minimal hazard from the principal source 01 flood in the area. However, buildings in these zones could be flooded by severe, concentrated rainfall
coupled with inadequate local drainage systems. Local stormwater drainage systems are not normally considered in the community's FIS. The failure of alocal drainage system creates areas
of high flood risk within these rate zones. Flood insurance is available in partiCipating communities but is not required by regulation in these zones. (Zone Xis used on new and revised
maps in place of Zones Band C.) Zone D: Unstudied areas where flood hazards are undetermined but flooding is possible. No mandatory flood insurance purchase requirements apply, but coverage
is available in participating communities. 64. What is afloodway and who designates it? The floodway includes the channel of ariver and the adjacent floodplain that must be reserved
in an unobstructed condition in order to discharge the base flood without increasing flood levels by more than one foot. Some state standards specify smaller allowable increases. FEMA
requires the community to designate aflood way to avoid the possibility of significantly increasing upstream flood elevations. Acommunity must prohibit development within the deSignated
floodway that would cause any additional rise in base flood elevations. 65. II a FIRM is believed to be incorrect, what can be done to change it? Three procedures have been established
for changing or correcting aflood map. They are: Letter of Map Amendment (LOMA), Letter of Map Revision (LOMR), and physical map revision. 18 27 
I!J systems, and such flooding sources with small drainage areas are generally not identified on FI RMS. The SFHAs are subdivided into flood hazard zones (insurance risk rate zones)
according to the following criteria: Zone V: SFHAs along coasts subject to inundation by the 1􀁾􀁏􀀭􀁹􀁥􀁡􀁲􀀠flood with the additional hazards associated with storm waves. Because detailed
hydraulic analyses have not been performed, no base flood elevations or depths are shown. Mandatory flood insurance purchase requirements apply. Zones VE and V1-3D: SFHAs along coasts
subjectto inundation by the 100year flood with additional hazards due to velocity (wave action). Base flood elevations derived from detailed hydraulic analyses are shown within these
zones. Mandatory flood insurance purchase requirements apply. (Zone VE is used on new and revised maps in place of Zones V1 -30.) Zone A: SFHAs subject to inundation by the 1􀁾􀁏􀀭􀁹􀁥􀁡􀁲􀀠flood.
Because detailed hydraulic analyses have not been performed, no base flood elevation or depths are shown. Mandatory flood insurance purchase requirements apply. Zones AE and A1-3D: SFHAs
subject to inundation by the 1􀁾􀁏􀀭􀁹􀁥􀁡􀁲􀀠flood determined in aFlood Insurance Study by detailed methods. Base flood elevations are shown within these zones. Mandatory flood insurance
purchase requirements apply. (Zone AE is used on new and revised maps in place of Zones A 1 -30.) Zone AH: SFHAs subject to inundation by 1􀁾􀁏􀀭􀁹􀁥􀁡􀁲􀀠shallow flooding (usually areas
of ponding) where average depths are between one and three feet. Base flood elevations derived from detailed hydraulic analyses are shown in this zone. Mandatory flood insurance purchase
requirements apply. Zone AO: SFHAs subject to inundation by 1􀁾􀁏􀀭􀁹􀁥􀁡􀁲􀀠shallow flooding (usually sheet flow on sloping terrain) where average depths are between one and three feet.
Average flood depths derived from detailed hydraulic analyses are shown within this zone. Mandatory flood insurance purchase requirements apply. Filing a Flood Insurance Claim 47. How
does a policyholder file a claim for flood loss? Aflood insurance policyholder should immediately report any flood loss to the insurance agent who wrote the policy. Aclaims adjuster
will be assigned the loss, and the policyholder must file a"proof of loss" within 60 days of the date of loss. Apolicyholder whose policy is with aWrite Your Own (WYO) company must follow
the company's claim procedures. The 50-day time limit for filing aproof of loss remains the same. When the anticipated number of claims exceeds apredetermined number after widespread
flooding, an Integrated Flood Insurance Claims Office is established at the site to assist insurance agents and adjusters in providing prompt service to pOlicyholders. 48. What is a
"proof of lOSS?" Aproof of loss -the policyholder's valuation of claimed damages -is a sworn statement made by the policyholder that substantiates the insurance claim and is required
to be submitted to the NFIP or WYO cornpany within 60 days of the loss. Aprinted forrn usually usually is available from the adjuster assigned to the clairn. 49. What is a "loss in progress?"
Aloss in progress occurs when actual flood darnage to abuilding or its contents started before the inception of the policy. 50. Is a loss in progress covered? The Standard Flood Insurance
Policy does not cover darnage caused by a loss in progress. 51. What is the maximum that can be collected lor a loss under the NFIP policy? An insured will never be paid more than the
value of the covered loss, less deductible, up to the arnounts of insurance purchased, so purchasing inSUrance to value is an important consideration. The amount of insurance a property
owner needs should be discussed with an insurance agent or broker. 26 19 
MAPPING 61. What is the role of the local community in lis flood hazard assessment? Before the flood hazard assessment is initiated, FEMA considers all available existing information
for use in the study. Public meetings may be conducted at which interested parties may present relevant facts to help ensure accurate results. FEMA also works closely with each community's
officials before and during the study to describe the technical procedures and to obtain community input before publication of the Flood Insurance Study (FIS) and Flood Insurance Rate
Map (FIRM). Before the FIS is initiated, community officials, FEMA representatives, and the study contractor meet to discuss the areas that need to be studied. This is called the time
and cost estimate meeting. 62. How are flood hazard areas and flood levels determined? Flood hazard areas are detarmined using statistical analyses of records of river flow, storm tides,
and rainfall; information obtained through consultation with the community; floodplain topographic surveys; and hydrologic and hydraulic analysis. The detailed FIS covers those areas
that are subject to flooding from rivers and streams, along coastal areas and lake shores, or in shallow flooding areas, but do not include areas of less lhan one square mile, 63. What
are flood hazard zones and what do they mean? The Flood Insurance Rate Map (FIRM) shows areas within the 100-year flood boundary, which are termed "Special Flood Hazard Areas(SFHAs),"
A "100-year flood" does not refer to aflood that occurs once every 100 years, but refers to aflood level with a 1 percent or greater chance of being equalled or exceeded in any given
year. The SFHAs may be further subdivided into insurance risk rate zones (see below). Areas between the 1Oo-year and SO a-year flood boundaries are termed "moderate flood hazard areas."
The remaining areas are above the SOo-yearflood level and are termed "minimal flood hazard areas." Historically, about one-third of claims paid by the NFIP are for flood damage in areas
identified as having only "moderate" and "minimal" risk offload. Flooding in these areas often Is the result of inadequate local drainage 20 25 
The Community's Role in Floodplain Management 52. What Is the role of the community In NFIP particlpallon? When the community chooses to join the NfIP, it then must adopt and enforce
minimum floodplain management standards for participation. fEMA works closely with states and local communities to identify flood hazard areas and flooding risks. The floodplain management
requirements within the SFHA are designed to prevent new development from increasing the flood threat and to protect new and existing buildings from anticipated flood events. When acommunity
chooses to join the NFIP, it then must require permits for all development in the SFHA and ensure that construction materials and methods used will minimize future flood damage. Permit
files must contain documentation to substantiate how buildings were actually constructed. In return, the federal government makes flood insurance available for almost every building
and its contents within the community. Communities must ensure that their adopted floodplain floodplain management regulations and enforcement procedures meet program requirements. local
regulations must be updated when additional data are provided by FEMA or when federal or state standards are revised. 53. What is the difference between a FHBM and a FIRM? AFHBM is based
on approximate data and identities, in general, the SFHAs within acommunity. It is used in the emergency program of the NFIP for floodplain management and insurance purposes. AFIRM usually
is issued following aflood risk assessment conducted in connection with the conversion to the regular program. If adetailed Flood Insurance Study has been performed, the FIRM will show
base flood elevations and insurance risk zones in addition to floodplain boundaries. The FIRM may also show a delineation of the floodway. (See Question #64 for adescription of "floodway.")
After the effective data of the FIRM, the community's floodplain management ordinances must be in compliance with appropriate regular program requirements. Actuarial rates, based on
the risk zone designations shown on the Fl RM, are then applied for newiy constructed and substantially improved buildings. 24 21 
􀁾􀀠 54. Do state governments assist in Implemenllng the NFIP? At the request of the Federal Insurance Administrator, each governor has designated an agency of state or territorial government
to coordinate that state's or territory's NFIP activities. These agencies often assist communities in developing and adopting necessary floodplain management measures. Some states require
more stringent measures than those of the NFIP. Alist of state coordinating agencies and their telephone numbers is provided starting on page 35 of this booklet. 55. Do federal requirements
lake precedence over state requirements? The regulatory requirements set forth by FIA are the minimum measures acceptable for NFIP participation. More stringent requirements adopted
by the local community or state would take precedence over the minimum regulatory requirements established for flood insurance availability. 56. What is meant when FEMA uses the phrase,
"lIoodplain management measures"? The phrase, "floodplain management measures," refers to an overall community program of corrective and preventive measures for reducing future flood
damage. These measures take avariety of forms and generally include zoning, subdivision, or building requirements, and speCial-purpose floodplain ordinances. 57. Do the floodplain management
measures required by the NFIP affect existing buildings? They affect existing buildings only when an existing building is substantially improved. 58. What constitutes "substantial improvement"
or "substantial damage?" "Substantial improvement" means any rehabilitation, addition, or other improvement of abuilding when the cost of the improvement equals or exceeds 50 percent
of the market value of the building before start of construction of the improvement. The term includes buildings which have incurred "substantial damage," or damage of any origin sustained
by a building when the cost of restoring the building to its pre-damaged condition would equal or exceed 50 percent of the market value of the building before the damage occurred. Substantial
damage Is determined regardless of the actual repair work performed. Substantial improvement or damage does not, however, include any project for improvement of abuilding to correct
existing violations of state or local health, sanitary, or safety code specifications which have been identified by the local code enforcement official and which are the minimum necessary
to assure safe living conditions. Also excluded from the substantial improvement requirement are alterations 10 historic structures as defined by the NFIP. 59 Do FEMA requirements apply
to construction taking place outside the Specillc Flood Hazard Areas (SFHA) within the community? No. The local floodplain management regulations required by the NFIP apply only in the
SFHAs. 60. Can moditicalions be made to the basic floodplain management requirements? In developing their floodplain management ordinances, participating communities must meet at least
the minimum regulatory standards issued by FEMA. NFIP standards and policies are reviewed periodically and revised whenever appropriate. 22 23 
RM10 II l: ITfiE1 GUIDE TO FLOOD INSURANCE RATE MAPS A guide for Interested citizens, community officials, lending institutions, and insurance agents 
This guide will help you read and understand a Flood Insurance Rate Map (FIRM). The FIRM is one product of aFlood Insurance Study conducted by the Federal Emergency Management Agency
to establish the extent of the flood hazard with ina flood-prone community. Once published, the FI RM is an important source of flood risk data for the implementation of the National
Flood Insurance Program in that community. • 
2 TABLE OF CONTENTS Abbreviations Used in This Guide Introduction Flood Insurance Rate Map Formats 4 Flat FIRM, l-Fold FIRM and Base Flood Elevation for aSpecific Property Key Elements
of the FIRM Index 5 Key Elements of the FIRM Panel 14 Using the FIRM to Determine the lone Designation 25 Appendix A: How to Obtain aFIRM 31 Appendix B: Glossary 32 Appendix C: FEMA
Regional Offices 34 2 
2 GUIDE CO FLOOD INSURANCE RATE MARS' ABBREVIATIONS USED IN THIS GUIDE BFE Base Flood Elevation ERM Elevation Reference Mark ETJ Extraterritorial Jurisdiction FBFM Flood Boundary and
Floodway FEMA Federal Emergency Management Agency FHBM Flood Hazard Boundary Map FIA Federal Insurance Administration FIRM Flood Insurance Rate Map FIS flood Insurance Study FMDC Flood
Map Distribution Center MIP Map Initiatives Project NFIP National Flood Insurance Program NGVD National Geodetic Vertical Datum of 1929 SFHA Special Flood Hazard Area INTRODUCTION The
National Flood Insurance Program (NFIP) is aFederal program, established by Congress in 1968, that allows property owners III purchase federally backed flood insurance within communities
that participate in the Program, In return for this insurance protection, participating communities implement floodplain management measures to reduce flood risks to new development.
Through this mechanism, the Federal Emergency Management Agency (FEMA) and participating communities communities are able to reduce future flood losses. Under the NFIP, FEMA is required
to develop flood risk data for use in both insurance rating and floodplain management. FEMA develops these data through Flood Insurance Studies (FISs), In 􀁆􀁉􀁓􀁾􀀠both detailed and
approximate analyses are employed. Generally, detailed analyses are used to generate flood risk data only for developed or developing areas of communities. For undeveloped areas where
little or no development is expected to occur, FEMA uses apprOXimate analyses to generate flood risk data. Using the results of an FIS, FEMA prepares aFlood Insurance Rate (FIRM) that
depicts the Special Flood Hazard Areas (SFHAs) within the studied community. SFHAs are areas subject to inundation by aflood ha,ing aonepercent or greater probability of being equaled
or exceeded during any given ,_ GUIDE T;O FLQOD.INSQRANCE Rj\1E MAPS ,35 REGION VIII CO, MI, ND, SIJ, UT, WY Denver RJderal Center Building 710 Box 25267 Denver, Colorado 80225·0267
Telephone No. (303) 235-4811 REGION IX lIZ, CA, HI, NV Federal Regional Center Building 105 Presidio of San Franciseo San Franciseo, California 94129 Telephone No, (415) 923·7100 REGION
X AK, 10, OR, WA Federal Regional Center 130 228th Street, SW. Bothell, Washington 98021·9796 Telephone No. (206) 481·8800 *tl. S. GOVERNMENT PRINTING OFFICE: 1592-625-263 
3 34 GUIDE TO FLOOD INSURANCE RATE MAPS APPENDIX C FEMA REGIONAL OFFICES REGION I CT, ME, MA, NH, RI, VT J.W. McCcrmack Post Office and Ccurthouse Building Room 462 Boston, Massachusetts
02109 Telephone No.. (617) 223·9540 REGION II N), NY, PR, VI 26 federal Plaza New York. New York 10278 Telephone No. (212) 264·8980 REGION III DE, DC, MOo PA, VA, WV Uberty Square Building
105 South 7th Street 2nd floor Philadelphia, Pennsylvania 19106 Telephone No. (215) 597·9416 REGION IV Al, Ft, GA, KY, MS, Ne, SC, TN Gulf Oil Building 1371 Peachtree Street. NE. Suite
736 Atlanta, Georgia 30309 Telephone No. (404) 853-4444 REGION V Il, IN, MI, MN, OH, WI 175 West Jackson Boule'lard 4th Floor Chicago, Illinois 60604 Telephone No. (312) 408-5500 REGION
VI AR,LA. NM, OK, TX federal Regional Center 800 North loop 288 Room 206 Denton, Texas 76201-3698 Telephone No. (817) 898-9399 REGION VII lA, KS, MO, NE Old Federal Office Building 911
Walnut Street Room 300 Kansas City, Missouri 64106 Telephone No. (816) 283·7002 • GUIDE TO TO FLOOD INSURANCE RATE MAPS year. This flood, which is referred to as the 100·year flood (or
base flood), is the national standard on which the floodplain management and insurance requirements of the NFIP are based. Within the SFHAs identified by detailed analyses, the FIRM
shows base flood elevations (BFEs) and flood insurance risk zones In addition to SFHAs, the FIRM shows areas subject to inundation during the 500-year flood and may show areas designated
as a regulatory floodway. The regulatory floodway is the channel of a stream plus any adjacent floodplain areas that must be kept free of encroachment so that the 100'year flood discharge
can be conveyed without increasing the BFE more than aspecified amount. Within the SFHAs identified by approximate analyses, the FIRM shows only the flood insurance lone designation.
The results of the FIS are also presented in an FIS report. This report is a technical document that provides information used mainly by community officials for floodplain management.
The FIS report can be re'liewed at ccmmunity planning, loning, or engineering offices. FEMA publishes the FIRM and distributes it to a wide range of users. Private citizens, ccmmunity
officials, insurance agents and brOkers, lending institutions, and Federal agencies use the FIRM to determine the degree of flood hazard in specific areas of the community so that actuarial
premium rates can be assigned and full insurance coverage obtained for properties at risk. The FIRM provides information that allows the map user to• identify Special Flood Hazard Areas
subject to flooding, • identify the location of aspecific property, • estimate the BFE at aspecific site, • determine the flood insurance zone at aspecific site, and • determine the
location of the regulatory floodway (where shown). Il1$urance agents and 􀁢􀁲􀁯􀁾􀁥􀁲􀁳􀀠use the FIRM to determine the locations of properties and the corresponding insurance zones,
which determine actuarial flood insurance premium rates. lending institutioos and Federal agencies, when they make IlIans or provide 2IlInls for the acquisition or construction of buildings,
use the fiRM to determine the locations of properties and whether floodinsurance is required. CIImmunity officials use the FIRM to administer floodplain management regulationa This guide will help you identify and understand key features of a FIRM. It conlains
illustrations and astep-by-step example of how to use a FIRM. 
4 GUIDE TO FLOOD INSURANCE RATE MAPS FLOOD INSURANCE RATE MAP FORMATS To help the map user locate aspecific property or site and determine the flooding information that applies to the
site. the FIRM depicts common physical features that exist within the community. These features include major highways, secondary 􀁲􀁯􀁡􀁤􀁾􀀠􀁬􀁡􀁫􀁥􀁾􀀠railroads, and streams and other
waterways The FIRM may consist of one or more individual Z-Fold FIRM-A Hold FIRM consists ofpanels; however, panels are printed only one or mOTe map panels, each offor those areas of
the community that contains a map legend. Depending on are subject to flooding. the size and shape of the community and The FIRM for your community will be the areas to be covered, the
FIRM may either a Flat FIRM or a Hold FIRM: consist of panels of up to five standard sizes. When aFIRM consists of more than one panel, it will also include aseparate Index. Eventually,
all FIRMs will be published in this format. Aseparate map, the Flood Boundary and Floodway Map (FBFM), that depicts regulatory floodways and other floodplain management information may
be prepared in conjunction with the FIRM but is distributed separately, with the FIS report.Flat FIRM-A Flat FIRM consists of a cover sheet, on which a map index and In general appearance,
all Hold FIRMs map legend appear, and one or more are alike. However, as a result of design u'xlr map panels that cover the changes that affect the type and amount flooded areas of the
community. of information shown on these maps. several variations now exist.Originally, all FIRMs were published in this format. In the mid·1970's, FEMA • Map Iniliatives PflIjetl (MIP)-As
a began publishing FIRMs in the Hold result of aproject conducted to identify format. the needs of FIRM users, FEMA changed GUIDE TO FLOOD INSURANCE RATE MAPS 33 and other applications
of police power. Water·Surface Elevalion Interpolation The process by which an unknown value that lies between two known values may be calculated; in the determination of The height,
in relation to NGVD (or other datum where specified), of floods of various mageitudes and frequencies in coastal, lacustrine (lake), and riverine flood hazard areas. BF[s, the map user
applies this process by assuming aconstant rate of change between two BFEs shown on the FIRM and estimating the BFE for an interven ing point based on the distance between it and one
of the two known BFh Lacustrine Flood Hazard Area Area subject to inundation by flooding from lakes or ponds. Map ReposilOfJ Community office that stores reference copies of the FIRM
and FIS report and makes those copies available for review by community residents and other interested parties. Nationaf Flood Insurance Program (NFIP) Federal program under which flood-prone
areas are identified and flood insurance is made available to the owners of property in participating communities. National Geodetic Vertical Datum 01 1929 (NGVO) Standard reference
plain from which elevations are measured. Regulatory Floodway Channel of astream plus any adjacent floodplain areas that must be kept free of encroachment so that the lOG-year flood
discharge can be conveyed without increasing the BFE more than aspecified amount. Riverine Flood Hazard Area Area subject to inundation by flooding from streams such as rivers and creek&

5 32 GUIDE TO FLOOD INSURANCE RATE MAPS Flood Bounda" and F100dway Map IFBFM} Floodplain management map issued by FEMA that depicts, based on detailedAPPENDIX B analyses, the boundaries
of the IOO·year and 500·year floods and the IOO·year floodway. Flood Hazard Area/Floodplain/Floodprone Area GLOSSARY land area subject to inundation by water from any flooding source.
Flood Hazard Bounda" Map (FHBM}Actuariallnsurante Premiums Initial insurance map issued by FEMAPremiums based on the calculated that 􀁩􀁤􀁥􀁮􀁴􀁩􀁦􀁩􀁥􀁾􀀠based on approximatemagnitudes
of flood risk to which analyses, areas of JOO'year flood hazardspecific properties are subject, within acommunity.' Base Flood Flood Insurante l1li8 Map (FIRM} The flood having aone-percent
Insurance and floodplain management probability of being equaled or exceeded map issued by FEMA that 􀁩􀁤􀁥􀁮􀁴􀁩􀁦􀁩􀁥􀁾􀀠in any given year; also referred to as the based on detailed
or approximate lOG-year flood, 􀁡􀁮􀁡􀁬􀁹􀁳􀁥􀁾􀀠areas of lOO·year flood hazard in acommunity. Also shown on the FIRM Base Flood Eleralion (BFE} are actuarial insurance rate zones In
The height of the base flood in relation areas studied by detailed analyses, the to the National Geodetic Vertical Datum FIRM also shows BFEs and 50G-year of 1929 (or other datum where
floodplain boundaries and, occasionally, specified). floodway boundaries, Flood Insurance Study (FIS}Effective FIRM Engineering study performed by FEMA tolatest FIRM issued by FEMA,
which is in identify flood· prone areas, insurance riskeffect as of the date shown in the title zones, and other flood data within abox of the FIRM as "Effective Date;' community."Revised;'
or 􀁾􀀧􀁍􀁡􀁰􀀠Revised:' Floodplain ManagementEncroachment The operation of aprogram of correctiveConstruction, placement of fill, or similar and preventive measures for reducingalteration
of topography in the floodplain flood damage, including, but not limited that reduces the area available to convey to, emergency preparedness 􀁰􀁬􀁡􀁮􀁾􀀠floodfloodwaters control works,
and floodplain management 􀁲􀁥􀁧􀁵􀁬􀁡􀁴􀁩􀁯􀁮􀁾Extraltrritorial Jurisdiction Authority of acomm unity to establish Floodplain Management Regulations land use zones and issue building
Zoning ordinances, subdivision permits in areas outside its corporate regulations, building codes, health limits regulations, special purpose ordinances, GUIDE TO FLOOD INSURANCE RATE
MAPS the design of the Z-Fold FIRM in several ways to batier meet those needs, KEY ELEMENTSThe two most significant changes are that newer Z·Fold FIRMs include OF THE FIRM floodways
and floodplain management infllrmation not shown on older FIRMs, INDEX and newer Z·Fold FIRMs present a simplified, or compressed, set of Flat 􀁆􀁉􀁒􀁍􀁾􀀠and Hold FIRMs composedinsurance
zone designations, of more than one panel, are accom· • Countywide FIRM-In the past, each panied by Indexes The FIRM Index FIRM usually covered only one shows the outline of the mapped
community. If the mapped community community and the numbers and layout was acounty, flooding information was of the individual FIRM panels that cover shown only for those areas within
the the community. The FIRM Index also jurisdiction of the county government, contains a title box, in which the name the unincorporated areas. of the mapped community appears. Figures
I through 3 illustrate the following key elements of Flat FIRM Therefore, on the FIRMs for most counties, no flooding infllrmalion has been shown for the incorporated Indexes and Z-Fold
FIRM Indexes communities within those counties The A. Community Namecorporate limits of the communities have Identifies the mapped community, thebeen shown in the proper location, but
community type (ag., town, city, county),the areas within the limits remain blank. and the county and state in which theSeparate FIRMs have been prepared for commu nity is situated.
When thethe incorporated communities mapped community is acounty, the words "Unincorporated Areas" appearMore recently, several Z·Fold countywide below the county name, indicating thatFIRMs
have been produced, each of the incorporated communities within thewhich shows flooding information for the county are not covered.entire geographic area of acounty, including the incorporated
communities On countywide FIRMs. the words "And within the county. As a resUlt, each Incorporated Areas" appear as part of countywide FIRM becomes the official the community name, indicating
that the source of flood risk data for several entire geographic area of the county is communities. covered, including the incorporated communities within the county.The following sections
provide a complete description of the key elements B. Community Number of FIRM Indexes and FIRM panels. Keep Six·digit NFIP identification number for in mind, however, that as aresult
of the mapped community. The community variations in FIRM format and design, number is often followed by a leiter not all of the elements described appear suffix, which is increased
alphabetically on every FIRM. each time the FIRM is revised, 
6 GUIDE TO FLOOD INSURANCE RATE MAPS Refer to the appropriate community the layout of the FIRM. including both number when you have questions printed and unprinted panels. Each concerning
aFlat FIRM or non· panel is identified by a ten·digit com· countywide l·fold FIRM or when you munity'panel number, which is com· order one of those types of maps from posed of the six-digil
NFIP identification the Flood Map Distribution Center (see number for the mapped community (see Appendix A). Community numbers also Item B) and afour·digit panel number. appear on countywide
􀁆􀁉􀁒􀁍􀁾􀀠However, F. Key 10 Map (Flal FIRMs Only)when you have a question about a Map legend that identifies the symbolscountywide FIRM or when you order one, that appear on the map
and providesyou should refer to the map number (see information about the map. The legenditem G). does not appaar on individual Flat FIRM C. Usling of Communities (Countywide panels,
For Z·Fold FIRMs. a similar FIRMs Only) legend is shown on each FIRM Panel. You Identifies all communities covered by the may therefore refer to the section FIRM, their NFIP identification
numbers, entitled "Key Elements of the l-Fcld the panel or panels on which each FIRM Panel" for an explanation of the community is shown, and the Initial information that appears in
the Key to Identification Date (see "Key Elements of Map (see Figure 7, "Panel Legend"). the FIRM Panel," Item 31) and PostFIRM Date for each community, G. Map Number iCoun\JWide fiRMs
Only) The Post·FIRM Qate for a community is Identifies the FIRM. Because a the effective date of the first FIRM countywide FIRM covers more than one published for that community. When
a community, the map number cannot be countywide FIRM becomes effective, it based on the six·digit NFIP community supersedes all previous versions of FEMA identification number (see
Item B) for flood hazard maps for the communities either the county or any of its it covers. incorporated communities. Instead the map number is composed of atwo-digitD. Us! 01 Printed
Panels (I·FoId FIRMs state code; athree·digit county code; theOnfy) letter "C," which indicates that the FIRMIdentifies those 􀁰􀁡􀁮􀁥􀁬􀁾􀀠out of the total has been prepared in the
countywidenumber shown in the body of the Index, format; and four 􀁺􀁥􀁲􀁯􀁾that are printed. The layout of amultiplepanel FIRM allows for map coverage of H. Panel limit Une the entire
community. However, when a Shows the extent of the area covered bypanel covers an area of the community the panel.that falls entirely within one flood insurance rone, that panel is not
printed I. Cotporate limil or County Boundary and an eXplanatory note is added to the Une body of the Index (see Item L). Identifies the jurisdictional limits within which the mapped
community has E. Us! of Community·Panel NumbelS regulatory authority over development.(Non·coun\JWide Z·Fold FIRMs Only) Indicates the total number of panels in In some states, an incorporated
.GUlDE To FLOOD INSIJf1ANCE RATE MAPS 31 each panel covering the portion of the community in which you are interested.APPENDIX A Generally, for multiple-panel FIRMs, the FMDC will provide
copies of specific panels rather than acopy of the entire FIRM. Before you order FIRM panels. you should HOW 10 OBTAIN AFIRM also be aware 01 the following: • The portion of the community
in which you are interested may be covered by a panel that is not printed. If so, a note onCopies of effective FIRMs are made the FIRM Index will explain why theavailable by FEMA, and
a nominal cost panel is not printed. The most commonmay be charged. To obtain acopy of the reason apanel is not printed is that itcurrent FIRM for aspecific community. covers an area
entirely within one insur·you may write to the Flood Map ance zone (usually lone Cor Zone Xl.Distribution Center (FMDC) at the following 􀁡􀁤􀁤􀁲􀁥􀁳􀁾􀀠• The area in which you are interested
may not be within the community whoseFederal Emergency Management Agency FIRM you are reviewing. Apost officeFlood Map Distribution Center address for a property may include the6930
(A··F) San Tomas Road name of anearby incorporatedBaltimore, Maryland 21227-6227 community even though the property is You may also call the FMDC directly, at actually in the unincorporated
area of the surrounding county. You may1(800) 333-1363. therefore find it necessary to review the Before you contact the FMDC, you should FIRM for the county, which is available at the
county map repository.review the current FIRM on file at the local community map repOSitory and • Also, areas recently annexed by a obtain the following information: community may not
appear on the FIRM for that community. To obtain flooding1. Full name of the community shown on information for those areas, you shouldthe FIRM (including city, town, village. obtain
the FIRM for the community frometc.; county; and state) and which the areas were annexed. 2a. for a flat FIRM the NFIP community Once you have obtained Items 1and 2.identification number,
appearing in the you can contact the FMDC and order thetitle box of the FIRM Index. or panels you need. b. For a noo-toun\JWide Z-Fold FIRM the If you cannot find acopy of the currentcommunity·panel
number that appears in FIRM and therefore cannot identify thethe title box of each panel covering the FIRM panel you need, you may requestportion of the community in which you that the
FMOC provide you with acopy of are interested, or the FIRM Index. You can use the Index c. For acoun\JWide FIRM the map as described in the preceding section to number that appears in
the title box of identify the panel you need. 
􀁾􀁯􀀠GUIDE TO FLOOD INSURANCE RATE MAPS whole-foot BFE label that applies to the entire area. You can determine the BFE easily. without interpolating, simply by identifying the area
where your property is situated and finding the BFE label for that area. In SFHAs designated as Zone A, no BFEs are shown. For help in determining an approximate BFE within such SFHAs,
you should consult community 􀁯􀁦􀁦􀁩􀁣􀁩􀁡􀁬􀁾􀀠such as city engineers or city planners, or you may contact the FEMA Regional Office lor your stale (see Appendix C). GUIDE TO FLOOD
INSURANCE RATE MAPS . 7 community may exercise extraterritorial jurisdiction (ED) over land use in areas beyond its corporate limit1 Where appropriate, ETJ limits are shown and labeled
on the Index. J. North Arrow Orients the map and helps map users determine property 􀁬􀁯􀁣􀁡􀁴􀁩􀁯􀁮􀁾􀀠K. Elfedive or Revised Date (Z·RlId FIRMs Only) The 􀁥􀁦􀁲􀁥􀁣􀁾􀁶􀁥􀀠date of
the FIRM. This date appears below the words "Effective Date:" or "Map Revised:". "Map Revised:" indicates indicates that one or more panels of the FIRM have been revised at least once.
L PaneI·Not·Printed Note Identifies panels included in the FIRM layout thai are not printed and explains why they are not printed. The note is preceeded by an asterisk or other reference
symbol, which also appears next to the appropriate panel number. community-panel number, or map number (see Item Pl. M. Inset Note Identifies areas of the community for which panels
have not been created. Such areas are usually small and do not warrant the creation of apanel. These areas are shown as insets (i.e., small, separate maps) on printed 􀁰􀁡􀁮􀁥􀁬􀁾􀀠The
note identifies the panel on which the inset is shown. N. Flood Plllne Sileet Index !Newer z· Fold FIRMs Only) lists the streets within the mapped community that are partially or completely
within the SFHA and the panel or panels on which each street is shown. Also listed for each street are grid coordinates that allow the map user to locate the street on the panel (see
"Key Elements of of the FIRM Panel:' Item 33). For multiple-panel FIRMs, the Flood Prone Street Index is shown either on the Index or. when the number of floodprone streets is large,
on aseparate panel. When the FIRM consists of only one panel, the Flood Prone Street Index is shown on that O. Flood Prune Area Overview (Newer ZFold FIRMs Only) Provides ageneralized
depiction of the SFHAs shown on the individual FIRM panels. Because the delineations of SFHAs on the Index are generalized, they are intended only to help the map user find the appropriate
FIRM panel; they are not to be used in place of the more detailed delineations shown on tile FIRM 􀁰􀁡􀁮􀁥􀁬􀁾􀀠P. Panel Number/Community·Panei Number/Map Number Apanel number appears
within each panel shown on aFlat FIRM Index; a community-panel number appears within each panel shown on a non-countywide Hold FIRM Index; and a map number appears within each panel
shown on a countywide Z-Fold FIRM Index. Each of these three elements selVes the same purpose on an Index: it identifies the FIRM panel that covers the indicated portion of the mapped
community. On Hold FIRM indexes, the community· panel number or map number shown each panel is followed by a letter suffix, which is increased alphabetically each time that panel is
revised. 
Figure Key Elements of a p 􀁲􀁾􀀷􀀠, L.:JL . 02'\\ 01 i .J 􀀢􀀾􀀭􀀭􀀧􀁾􀁬􀀠r-) /;􀁾􀀬􀀠􀀧􀀬􀀬􀀭􀀮􀀭􀀬􀀽􀁾􀀬􀁾􀀠U.M!TII_--'􀁾􀁬􀀠..􀁾􀀫􀀮􀀬􀀬􀀡􀀼􀀺􀀬i!g;"";;;;;;-7• <iiiiiii'. --., 1[,
, 1 " \ Wn.CR 􀀮􀀺􀀻􀁾􀀬􀀮􀁪􀀠1); .! ' I""" 􀁾􀁲􀀠'."'''''''''"'' 􀁹􀁾􀁯􀀠􀀭􀁾􀀠0;'03 __' GUIDE TO FLOOD INSURANCE RATE MAPS 29 below the BFE, the building is within the SFHA, In this
example, the FIRM for Sampleville shows a flood way for little Creek, As shown in Figure 13, neither the property nor the building is within the floodway, ZONE AE 􀁾􀀠Figure 13 Step
5. Determine the BfE at the Property To determine the BFE, start by the BFE lines (the numbered wavy lines) shown near the property on the FIRM, As shown in Figure 14, BFE lines 108
and 109 are near the property, and 109 is the nearer of the two. When a property is between two BFE lines, such as in Figure 14, you can determine the BFE at the property by interpolating
between the two BFEs that are shown, To interpolate, you assume the rate at which the BFE changes from from 108 to 109 is constant Therefore, for example, at the point halfway between
108 and 109. the BFE Wlluld be 108,5. In Figure 14, the property is approximately six· tenths the distance from 108 to 109; therefore, the BFE at the property would be approximately
108.6. The same principle applies regardless of whether the difference between the two known BFEs is one foot, as shown, or more than one foot. For riverine flooding sources, such as
little Creek in the example, you can also determine the BFE from the Flood Profiles in the FIS report, ZONE AE 􀁾􀀠Figure 14 The example illustrated in Figure 14 is a riverine floodplain,
In lacustrine (lake) and coastal floodplains, the wavy BFE line is not used. Instead, the SFHA is divided into areas within which the BFE is uniform, Each area is identified with a 
28 GUIDE TO FLOOD INSURANCE RATE MAPS ZONE AE -APPROXIMATE SCALE Figure 12 Step 3. Determine the Specific lIM:ation of the Property To determine the specific property location, you will
have to use the map scale. In addition, you may want to refer to a plat map, city tax assessor's map, or property description such as that usually provided in a deed. You know the property
lies on the north on that portion.side of Water Street, east of the Oak Avenue-Water Street intersection. From the exact dimensions of tile property provided on a tax assessor's map
or map Or in a legal description, you can determine the specific location of the property and building on tile FIRM by converting the known dimensions to inches using the map scale and
measuring on the FIRM panel. fOr example, at tile map scale shown for Figure 12 (1 inch=500 feet), 250 feet on the ground equals 'fz inch on the FIRM, and 50 feet on the ground equals
􀁾􀀮􀀠inch on the FIRM. You know the property line nearest Oak Avenue is 375 feet east of the centerline of Oak Avenue. At a map scale of 1 inch=500 feet, 375 feet equals II inch on
the FIRM. You know that the property is 156 feet wide and 188 feet deep; on the FIRM, those dimensions become approximately II. inch by 􀁾􀀠inch. You can use the same method 10 determine
the location of the building on Ihe property. Step 4. Determine the Rood Insulllnce Zone Designation for the Property As shown in Figure 12, the property is partially within the dark·tinted
area (the SFHA) and the building on the property is within the SFHA. You can now determine the flood insurance zone designation for the property by finding the zone label. As shown in
Figure 13, the SFHA in the vicinity of the property is designated as Zone AE. (On other FIRMs, this SFHA may be designated as a numbered Azone, e.g" AI. A5, AI2.) The ZOne deSignation
applies to both the portion of the property within the SFHA and any Occasionally, when a property or building is close to the edge of the SFHA, you may find it difficult to determine
whelher Or not the property or building is within the SFHA. The deciding factor in such instances is the elevation of the property or building compared to the BFE (see Step 5). In general,
land areas where ground elevations are below the BFE are within the SFHA. When the elevations of the lowest floor of abuilding and the lowest grade adjacent to the building are 1 Flat
FIRM Index F ......... 􀀧􀁾􀀮􀀮􀀬􀀢􀁯􀀠􀁾􀁾􀀠#<􀁾􀀠, , J i );H f(jt.jJir LONE C lOllffiOUM:J':UoOllfS· lON[ C 􀀮􀁾􀀢􀀠"",.1' .... _••,,,.•􀁾􀁬􀀢􀁟􀀠􀀮􀀬􀀬􀀬􀁾􀀠􀀬􀀬􀁾􀀮􀀠'''''""!ill
􀀢􀀭􀁾􀀠,r, '-''' "",, 􀀮􀁾􀀢􀀠􀁾􀀠'urt41<1I110N or ION! 􀁏􀀨􀁾􀁉􀀨􀀮􀀢􀁉􀁜􀀠􀀧􀁉􀁏􀁾􀁾􀀠• , ..", , ...... " ft" .".'''' ". 􀀬􀀬􀁾􀀮􀀠􀀢􀀢􀀧􀁾􀀧􀀧􀀧􀁾􀀧􀀠,,, • 􀀧􀀧􀀧􀀮􀁾􀀧􀀧􀀧􀀧􀀧􀀧􀀠.,
"H,.,._ ." ''''0'>'''''' .., ...., 􀀢􀀢􀀧􀀢􀀢􀀧􀀧􀀮􀁾􀀧􀁾􀀧􀀧􀀧􀀠􀀢􀁾􀀮􀀬􀀬􀀮􀀠lONt 􀀱􀁜􀁴􀀼􀁾􀀢􀁾􀀱􀀱􀀰􀁾􀀠,.W"' 􀀢􀀢􀀢􀁾􀀠'"""'" "".., """'_"'" t'.., d ",,'. 􀀬􀀬􀀬􀀬􀀬􀀮􀁾􀀠••" ,,,...􀁾􀀬􀀧􀀠􀁾􀁯�
�.'."... ' ... ,,,, """'" 􀀢􀀢􀀮􀀢􀀧􀁾􀀬􀀠"'" '0""' , ..... ,.". 􀀬􀁾􀀬􀀠, ,.,' ",," ' , ...' ... ""'" ,,' ,_•••"""", .......... 􀁾􀀬􀀢􀀢􀀧••".,.,.,,,". ON "'.. 􀁾􀁾􀀮􀁾􀀠..," h' 􀀬􀁾..
􀀬􀁾􀀠.."",,. ,,_.....",., ......􀀬􀁾􀀬􀀠.,,,,m ,...,. ", ... ",,' '''' "".J " •• 􀁾􀀢􀀬􀁾􀀠", .....,"' M".,....., ...". 􀀢􀀢􀀢􀁾􀀧􀀢􀀠􀀬􀀬􀀬􀀬􀀬􀁾􀀢􀀧􀀮􀀠􀁾􀁬􀀮􀁾􀁬􀀢􀀠•. ", ", " ....
,,''-'" ..... 􀀢􀁾􀀢􀀢􀀢􀀢􀀧􀀧􀀧􀀧􀀠,.. "'",••.,.......,,, 􀀢􀀢􀀢􀁾􀁨􀁬􀀧􀁾􀀠􀁾􀀧􀀢􀀠..... ",m"'"", '" ....􀀢􀁾􀀠.. , ".'" ,"".,,"., "".... 􀁾􀀧􀀢􀀧􀀠..........􀀬􀁾􀀬􀀬􀁾􀀢􀀬􀀮􀀧􀀠".
,..",. ,"",.., ,..., 􀀢􀀢􀀢􀀢􀀬􀀬􀁟􀀬􀀮􀁾􀀠"N,," " ........ " "...... ,..􀁟􀀮􀁾.. "'''''' ...'" "" .... ,_ ," 􀀬􀁾􀀢􀀮􀁾􀀠_Ow" '". 􀀬􀀬􀁟􀀧􀀧􀀧􀀮􀀢􀀧􀁾􀀮.......' "" .. 􀁾....". ....
􀀢􀀬􀀬􀀬􀀬􀀮􀁾􀀬􀀬􀀬􀀠..."", ..."",.., """.-,..., "... ,...... ,......􀀢􀀧􀁾􀀮􀀬􀀠....... 􀁾􀁾... ,......... 􀁾......,""..........."....'.... ,......􀁾􀀬􀀢...",,"', '<1.'(" ..." ....
,..􀀬􀀬􀁾􀀠......, __"...<.,,,,, 􀁾......."'"' ..􀁾􀀠"'_, ..􀀧􀀧􀀧􀁾􀀢􀀬􀀠"'" MH!'i>O"IU 􀁴􀁣􀀢􀁾􀀢􀀧􀀬􀀬􀀧􀀢􀀠􀁾􀀠......".................. ".... 􀁾􀀠'''''''''' " _,,,,,J', It"'" '"_""
''''' .... " ..,'..........,..,,--',_ 􀁾􀀮􀀮􀀮􀀢􀀮􀀬...."''''''''' ..• l.'''..􀁨􀀧􀀧􀁾􀂷􀀧􀀧􀁾....,.''",,.-.............."', ...,.,,, ........ _..',....."".... "'.." ....._ ........
__'....."""""''''''M._......􀀧􀀧􀁟􀀬􀀧􀀧􀀧􀀧􀀧􀀢􀂷􀁾􀀧􀀢..... """.,.,,.,., 􀁾􀀢􀁾.." ................. .,""..... ,...,.,...,, 􀀬􀁾􀀢.... ""..􀀢􀀧􀀧􀀧􀀧􀁾􀀧􀀧􀀧􀀧􀀧􀀧􀀠I<?¥f¥arA \1. ,;f1a
"""" ......................, .......􀀴􀂫􀁬􀁾􀀮􀀠""00 ...",.....tf 􀀮􀁾􀀢􀀠...... 􀀢􀀢􀁾􀀢􀀧􀀢􀀠􀁾􀀢􀀧􀀻􀀢􀀢􀀢􀀠'I '110' _'A FEDERAL EMERGENCY MANAGEMENT AGENCY 􀁾􀀮􀀧􀀢􀀠􀁾􀀠FIRM flOOD
INSURANCE RATE MAP 01·04 INDEX SAMPlEVILL£, USA ----I=SAMPLE comm ---------r ' 􀁃􀁑􀁾􀁍􀁕􀁈􀁉􀁔􀁙􀀠NIJMBEfi 410001 A ( B 
Figure Key Elements of a Non-cou 􀀡􀁉􀀧􀀠-",::. 􀀢􀁔􀁾􀀢􀀢'--'I,r:v,'􀀢􀁹􀀧􀀭􀀬􀁾􀀢. 􀁾-----c,;:..,",,' {. "'c-----\1-􀀳􀁾􀁟􀀠/( , ,';\ ',--􀀧􀀭􀁾􀀭􀀮􀀧􀀠􀁾􀀢􀀩􀀮''''''''.. 1 (' \,."
I !'/,I -.::::::-;;;.;, 􀁾􀀭􀁉􀀠. 􀀢􀁾􀀮􀀠􀁾􀀮􀀭,_." I:!" " -• 1 'j I ( II I II 􀀻􀁾􀀼􀀢􀀬􀁃􀀠:i\ J􀁜􀀧􀁾􀀧􀁜I'' " , '.::-\ t,􀁤􀁌􀀡􀀧􀁾:lff -I-T; , v j I 􀀧􀀺􀁜􀀺􀁜􀀺􀁜􀀺􀀻􀁾􀁩􀀧􀀢􀀡􀀱􀀠)\
.. ,-,•• 􀀡􀁾i 􀀭􀀭􀁌􀁾􀁦􀀻􀀢􀀮􀀮􀀺􀀮􀀢􀀢I' I,."'L 􀀧􀀢􀀢􀀬􀀪􀀬􀀢􀀢􀀧􀁾􀀧􀁉 i {'''-i 􀀢􀀯􀀧􀀭􀀧􀁾􀀮􀀠\/', j..􀀢􀀢􀁾􀀺􀁲􀀧􀁉􀂷􀁜􀀬􀀧􀀠L= f'-'''': " 􀀧􀀨􀀢􀀧􀀧􀀺􀀺􀁉􀁾􀁜􀀠,"'CO '. /.,i
I 􀀯􀀺􀀮􀀺􀀮􀁾􀀬􀀠. \ 1\ \1_-1.. i 􀁜􀁾􀀻􀀺􀁪􀀠ir--,f " ,.... 􀁜􀁓􀁾􀀮􀀯􀀮􀀴􀀠􀁜􀁲􀀺􀁲􀀧􀁾􀀮􀀧I 􀁉􀁾􀁜􀀧􀀭􀀧􀀢􀁾􀀡􀀧􀁦􀀧􀀧􀀧􀀭􀀧􀀧􀀧􀀧􀀧􀀠/' ;. 'f:," '":'.. ,.. . 􀀨􀀰􀁴􀁾􀁦􀀺􀀲􀀺􀀢􀀭􀀮􀀯􀁾􀀬􀀬􀁴􀀧􀁾
􀁜􀀠􀁜􀁾􀀿􀀩􀀠,I I ,--, 􀁔􀁬􀁾􀁡􀀻􀀬􀀬􀂷􀀠,-􀁾􀁾􀀨􀀬􀀮􀀬􀀢􀁾􀀢􀁉􀀠,I􀀡􀁩􀀬􀁾􀁾􀁴􀁾􀀩􀁾􀀢􀀢􀀮􀀭􀀻􀀢􀀢􀀻􀁆􀁦􀀠􀀮􀁾,I 􀀶􀁴􀁾􀀻􀀺􀀭􀀬􀁪􀁪􀁾􀁉􀀢􀀢􀀮􀀬􀀺􀁴􀀧􀀱􀀢􀀻􀀬􀁾􀀢􀀬􀀬 I-....· '":;:',.
􀁜􀀺􀀺􀁊􀀷􀀧􀀻􀀬􀁾􀀢􀀧􀀿􀀻􀀢􀀢􀀢􀁊􀀠􀁉􀁾􀀠􀀭􀀧􀁾􀀠;;",. • 1',,'" I' """" i'-W" --' --' I ,." I " . ,e' ,_.., I ..􀁾􀀻􀀬􀁾􀁟􀀻􀀮􀀧􀀧􀀪􀀧􀀧􀀢􀀮􀀧􀀧􀀧􀀧􀁉􀀠' 0''''''''_''_ 􀁾􀀢􀀢􀀮􀀢􀀡􀀧􀁾􀀭􀀭􀁾.
GUIDE TO FLOOD INSURANCE RATE MAPS 27 Community Example: Cit, of Sampleville, U.S.A. You are considering buying a piece of property on Water Street in the City of Sample,i/le, Sample
County, U.S.A., and you want to know whether this property is in an SFHA or a floodway. You also want to determine the flood insurance zone designation and BFE that apply to the property.
To obtain that information you should follow the steps outlined in this section. (Refer to Appendix Afor information about how you can obtain a copy of the FIRM for aspecific commu nity.)
Slep 1. Idenlify the·Correct FIRM Panel To identify the FIRM panel that covers the property in question, you should refer to the Index for the Sampleville FIRM (Figure 9). In lllYiewing
the Index, you find the FIRM was prepared in the Z·fi:lld format and that it is composed of four panels. The Index title box indicates all four panels (Numbers I, 2, 3, and 4) are printed.
According to the north arrow on the Index, the FIRM is oriented so that north is straight up. You know the property is on Water Street, which lies in the southeastern portion of the
city, south of Interstate 32. Although Water Street itself is not shown on the Index, you can determine from the north arrow and the major roads shown on the Index that Water Street
is on FIRM Panel 4 of 4. You can then check the title boxes of the individual FIRM panels to find Panel 4 of 4(Figure 10). 􀁾􀀠Figure 11 Slep 2. Delermine Ihe Genemllocalion of Ihe Property
Each FIRM panel shows more roads and physical landmarks than the FIRM Index does. This information enables you to find the property in question. You know the property is near the intersection
of Oak A,enue and Water Street, and you can find that general area on the panel (Figure II). Only major roads and the roads in or near flood·prone areas are shown on the FIRM. Therefore,
in determining the general location of the property, you may find it it helpful to refer to another map. such as acity map. highway department map. or U.S. Geological Survey quadrangle,
that shows additional roads and physical landmarks within the community. 
Figure 9-Z..fold FIRM Index for Sampleville General Area of Property §'::-§ 􀁆􀁩􀁩􀀱􀁾􀀠.,. :::-:--=11:"___1 =::-11,01110 ; 􀀢􀀧􀁾􀁝􀀠 I _JI Figure 10-Hold FIRM Panel 0004 for Sampleville
2 ntywide Z·Fold FIRM Index 􀁾􀁉􀀠? 􀁾1" "􀀺􀀺􀀮􀀺􀀧􀁾􀀺􀀬􀀻􀀧􀀻􀀧􀀺􀀺􀀺􀀬􀀢􀀺􀀬􀁾􀀮􀀠,. > 􀁾􀀬􀀬􀀢􀀢􀀧􀀠"LI' 􀀧􀁾􀀧􀀭􀁾􀀠􀁽􀁾􀀮􀀢􀀧􀁾􀀭? {}. 1!iD1X 
Figure Key Elements of a County 11U1t/Mil" I I 1/I -I , 􀁾􀀠GUII:lE TO FLOOO INSORANCE RATE MAPS 25 Oates In the listing of Communities that appears on the FIRM Index (see "Key Elements
of the FIRM Index;' Item el. 30. Map ReposilOlJ Address (Newer Z·fdd FIRMs Only) The offiCial community repository in which reference copies of the FIRM and FIS report are stored and
made available for community residents and other intel1!sted parties to review. 31. Inilial Identification Date (lioncountywide FIRMs OnlJ) The date on which the flood hazards within
the mapped community were first identified (usually the date that the first FHBM for the community became effective). 32. FHBM Revisions Chronologr (NonCDIIntywide FIRMs OnIJl Lists
the effective dates of revised versions of the FHBM, if any. 33. Alpha-numeric Grid (Newer Z.fold FIRMs 0n1Jl Basis of coordinate system established for the Flood Prone Street Index
(see "Key Elements of the FIRM Index;' Item N). USING THE FIRM 10 DETERMINE THE ZONE DESIGNATION AND BASE FLOOD ELEVATION FOR A SPECIFIC PROPERTY The main purpose of the FIRM is to provide
the information needed by insurance 􀁡􀁧􀁥􀁮􀁴􀁾􀀠lending institutions, community oHicials, and private citizens to datermine• whether aspecific property is within the SFHA (or floodway,
where shown), • the flood insurance zone designation that applies to the property, and • the BFE at the property. The following example illustrates astepby-step procedure by which map
users can establish the location of a property on the FIRM and make the necessary determinations. 
Figure 8 3 Body of Map wide Z-Fold FIRM Index 􀁉􀁾􀀭11f-.I" II'"'I ", I . " 􀀬􀀬􀁾􀀻􀀻􀁻􀀧􀁾I I 􀁾􀀠􀁉􀀭􀁯􀁾􀁟􀀠__ '3 I "I "I tEGtNO uUm<'HI' 􀁣􀁴􀀾􀀢􀀬􀀬􀁾􀀮􀀡􀁍􀀧􀀱􀁕􀀠0􀀢􀀧􀀮􀁾􀁾􀀢􀀠􀁾􀁾􀁾􀀠''''''
',c< 􀁾􀁏􀀮􀀮􀀠""',.. 􀁾􀀠"" "...,. '''I':' 􀀢􀀢􀀮􀀬􀀬􀀬􀁾􀀬􀀬􀀬􀀬􀀠,"'I ... 􀀬􀀬􀁾􀀠", :,;:,'''''<i"'-"CBlD 􀀧􀁾􀀠'" n N 􀁂􀀠. • ...... 􀁾􀀻"'-:' 􀀮􀀺􀀧􀁾􀁅􀀻􀀺􀀺􀀺􀀻􀀧􀁊􀀷􀀻􀀺􀀺􀀺􀀧􀀺􀀺􀁾􀀧􀀠􀁾􀀠\
',"00 ':,:,,::::." ,,'" 􀁃􀁊􀀢􀀢􀁾􀀻􀀢􀀭􀀧"""'il􀀬􀀻􀀮􀀺􀀻􀁾􀁜. .., -._'@...""." 􀁾􀁈􀀠'fiRM I 􀁉􀁬􀁄􀁏􀁾􀀠IIIlUtmr ..I ....n MlI'􀁬􀁾􀀬􀀺􀀧􀀬􀀬􀁾􀀬􀂷􀀬􀀬􀀠::i-@,"'''"'''>' "L " ,OJ"
I "., ,. ;;:;:;'".'"'''' I !i 􀁾􀀡􀀠I D􀁨􀁾􀁾􀁄􀁾􀁾􀀮􀀧􀀮􀀬􀀮􀀮􀀮􀀧I I􀀧􀁉􀀧􀁾􀀠,"". L-® r .._! G 1 1)$_1I􀁉􀁾􀀾􀁜􀁜􀀠"'"OK'" 1 f'::\􀁲􀀧􀁾􀀨􀀡􀀠􀁮􀀢􀀢􀀧􀀧􀀧􀀻􀁾􀀠􀁵􀁾􀀭􀀺􀀺􀀺􀀺􀀺􀀭􀁾􀀠

􀁾􀀮􀀧􀀺􀀺􀀺􀀧􀀮􀀻􀀺􀀽􀀧􀀺􀀮􀀮􀁾􀀠􀀬􀀬􀁟􀀬􀀬􀀧􀀧􀀧􀀮􀁷􀀮􀁶􀁁􀁵􀁾􀀧􀁉􀁉􀀱􀁾􀁏􀀢􀀼􀁁􀀧􀀠l&d 􀁑􀀬􀁬􀀺􀀺􀀻􀁾􀁾􀀻􀁬􀁾􀁾􀀻􀀡􀀱􀁩􀁾􀁾􀁾􀁾􀁾􀀠-{ >'¥C_ 􀀢􀀻􀀺􀀮􀀺􀀺􀀺􀀺􀀺􀁾...􀀬􀀬􀀺􀁲􀀬􀁲􀀮􀁾􀀬􀀬􀀭......,....
,.,. 􀁴􀀮􀀺􀀮􀀺􀀺􀀺􀀮􀀺􀀻􀀬􀀢􀀺􀁾􀁾􀀧􀀠c'""" 􀀢􀀢􀁾􀀬􀀬􀀠􀁾􀀮􀀠􀁵􀁾􀁯􀁴􀀾􀁮...u/)U",kI;U"" ,""',."."',.. 􀀬􀀭􀁾􀀢..􀀬􀀬􀀢􀁾􀀬􀀠􀁊􀀼􀀭􀀼􀁾􀀬􀀠􀁣􀀬􀀬􀀧􀀮􀁾􀀬􀀠,,..,,,, ,_ 􀀢􀀢􀁾􀀬􀀬􀀬􀀬􀀬􀀬􀀬􀀮􀀬􀀬􀁾0,
••" •• 􀁾􀀢􀀢􀀠" 􀁾􀁟􀀬,.,,,.,,,.1_,",,,_ i;;': >""" '-H..... 􀁾􀀺􀀮􀀺􀀺􀀻􀀮􀀧􀀺􀁴􀀢􀀢􀁬•• '''''' 􀀧􀁾􀀢􀀠t ... 􀀧􀀼􀀢􀀧􀁾􀀢􀀢􀀮􀀢􀀠,>....,,,.,, ,-,,,, v.""" 􀁟􀁾of I'" '"''􀀢􀀬􀀬􀀬􀀬􀀾􀁯􀀢􀀧􀁾􀀢􀀢􀀢
􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀢􀀧􀀧􀀧􀁾􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀁟􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀁾􀀺􀀢􀀢􀀺􀀢􀁟􀀢􀀧􀀬􀁾􀀺􀀢􀀺􀀮􀀧􀀺􀀢􀀧􀀡􀀺􀀧􀀺􀀺􀀺􀀺􀀮􀀧􀀺􀀢􀀺􀀻􀀺􀀧􀀻􀁦􀁲􀀧􀀬􀀬􀀺􀀺􀁾􀀠􀀢􀀧􀀧􀀧􀀭􀀢􀀧􀀧􀀧􀀧􀀧􀀧�
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.-,."""""".... 􀁾􀀭􀀢...,"' .. ,..",,.......,"''''.-.,,-.."-"'..........,,.."",'..􀀮􀀬􀀮􀀧􀀧􀀧􀀢􀁾􀀠..-,.,..􀁾􀀠􀁾􀁟􀀧􀀧􀀧􀀧􀀴􀀭􀀢􀀠."".........'" 􀀨􀀢􀀬􀁾􀀬􀁟􀀬􀁾􀀮􀁷􀀬􀀮􀀧􀀧􀀭􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀢􀀧􀀧􀀧
􀁟􀀧􀀧􀀧􀁍􀀧􀀧􀀧􀀧􀀮􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧;:,;,j,':.::..,􀀭􀀽􀁾􀀺􀀺􀀻􀁾􀀭􀀺􀁟􀀢􀀧􀀻􀀻􀁾􀀺􀀬􀀧􀀺􀀺􀀺􀁴􀀺􀀬􀁾􀀧􀁬􀀡􀁲􀁚􀀧􀀠.................􀀭􀁾􀀧... ''''''''"'''''''''.''''''' 􀁣􀁾􀀢􀀢􀀧􀀧􀀧􀀧􀀠......
,' ..... 􀀬􀀬􀀼􀀬􀁾􀁾􀀬􀀠., 0' 􀀬􀀢􀀧􀀶􀁾􀀠,. "" "'''' , ... 􀁾􀁅􀀺􀀧􀁾􀁾􀁾􀀺􀀺􀀺􀀺􀀧􀀧􀀺􀀺􀀧􀁾􀀺􀁾􀀺􀀺􀀻􀀧􀀺􀀻􀀮􀀻􀀧􀀺􀀧􀀺􀀺􀁾􀀻􀀺􀀺􀀧􀀺􀀻􀀺􀀺􀀺􀀺􀀽􀀠,,,,,,, ...􀀬􀀬􀁟􀁾􀀮􀀬􀀬􀁟􀀠1...
__ 􀀢􀀢􀁮􀀢􀀢􀀢􀀮􀀬􀀬􀁾􀁾􀀢􀀢".,",."IU ... 􀀢􀀬􀁟􀀢􀀢􀀢􀀢􀀮􀀬􀀬􀀬􀀬􀀬􀀮􀁾􀀬􀀬􀀬... ,",,,",,,,,,,. 􀀢􀀢􀀬􀀺􀀺􀀮􀁽􀀧􀀬􀁬􀀻􀀧􀀬􀀬􀀡􀀡􀁩􀀢􀀢􀁖􀀮􀁾􀀠􀀢􀀼􀁬􀀧􀀮􀀱􀀼􀀾􀀧􀀧􀀧􀁍􀀾􀁕􀁾􀀮􀀧􀀧􀀧􀀻􀀧􀀧􀀺􀀬􀀧􀀧􀀧�
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􀀺􀀧􀀻􀀧􀀻􀀺􀀢􀀧􀁾􀀻􀀧􀀻􀀮􀀬􀁯􀀻􀀺􀀮􀀧􀀺􀀮􀀮􀁾....."< .....__,--_......,•....,.....􀀬􀀬􀀢􀀬􀁾􀀭􀀢􀀢􀀧.. ..... """ ..' -,..•__ --... '"....􀁾􀀬􀀠, KEY ELEMENTS OF THE FIRM PANEL AFIRM
may consist of one or more 􀁰􀁡􀁮􀁥􀁬􀁾􀀠The number of panels depends on the size of the mapped community and the scale at which the FIRM is prepared. Each panel depicts the flood hazards
within the portion of the community covered by that panel. Each panel includes atitle box that contains the name of the community, the map panel number, and other information. Each Z-Fold
FIRM panel also includes a legend that provides information about the map. Figures 4through 8 illustrate the following key elements of Flat FI RM panels and Hold FIRM panels. I. Community
Name Identifies the mapped community, the community type (e.g., town, city, county), and the county and state in which the community is situated. When the mapped community is acounty,
the words "Unincorporated Areas" appear below the county name, indicating that the incorporated communities within the county are not covered. On countywide FIRMs, the words "And Incorporated
Areas" appear as part of the community name, indicating that the entire geographic area of the county is covered, including the incorporated communities within the county. 2. Community
Number Six-digit NFl Pcommunity identification number lor the mapped community. 3, Panel Number Identifies the panel. On Flat FIRMs, the panel number matches a panel number shown on
the Index (see "Key Elements of the FIRM Index;' Item Pl. On non-countywide Z-Fold FIRMs, the panel number also appears in lour-digit form as the last part of the community· panel number
(see Item 4). On countywide Z·Fold FIRMs, the panel number also appears in four-digit form as the last part of the map number (see Item 5)_ 4. Community-Panel Number (Il00countywide
Z.fold FiRMs Only) Corresponds to acommunity.panel number shown on the fiRM Index and identifies the panel (see "Key Elements 01 the FIRM Index;' Item Pl. The community-panel number
may be followed by a letter suffix, which is increased alphabetically each time the panel is revised. 5. Map Number (Countywide FIRrM Onlyl Corresponds to amap number shown on the FIRM
Index and identifies the panel (see "Key Elements of the FIRM Index;' Item P). The map number shown on each panel is composed of the same state code, county code, and letter "en that
appear in the title box 01 the Index, but includes the appropriate four-digit panel number instead of the four zeros shown in the Index title box (see "Key Elements 01 the FIRM Index;'
Item G). The map number may be followed by a letter suffix, which is increased alphabetically each time the panel is revised. Figure 7 ,." --Panel Legend • _ LEGENDLEGEND 􀀮􀀢􀀼􀀢􀁾􀁮􀀮􀀢􀀢􀀢􀁈􀁁􀁕􀀮
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"',"".,,"""_.. .-.'-...... _-...t ......._ .... ,__ .. _.... 􀁾􀀺􀀻􀁅􀁊􀀺􀀮􀀺􀀺􀀺􀀽􀀠􀀺􀀺􀁅􀀺􀀧􀁾􀁾􀀽:.... -􀁾􀁾􀁾􀀺􀀺􀀻􀁅􀀠(22))----1-􀀧􀀧􀀧􀀧􀀧􀀧􀀭􀁾􀀽􀀺􀁲􀀽􀀽􀀠􀀺􀁾􀁬􀀧􀁴􀀠.......
_.""_........ jw.. -'" ,_......... _-,.... ::::t--.... __· = ..... _-..... "" ;:::'!:'.:::=:.."':!.!".= _ 􀁮􀁟􀁾......􀁉􀁴􀁩􀀺􀀢􀀢􀀨􀁾􀁦􀀠􀁗􀁾􀀱􀀼􀀧􀁜􀁊􀀠4;;:::'_"::';",....􀀬􀁾􀀠"-1,
􀁾􀀮􀀢􀀠'" 􀀬􀀭􀀮􀁾􀀭􀀮􀀻􀀢􀀧􀀮􀁾􀀢....".. • r ......... ' 􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀮􀀧􀀧􀀧􀀧􀀧􀀧􀁾􀀢􀀧􀀧􀀧 􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀁾􀀭􀀧􀀠.........:-' #"' ...-... " ..... 􀀢􀁾􀀬...'we.... o _u ,-, 􀁾􀀠􀁜􀁗􀁾􀀧􀀧􀀧􀀧
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􀁾􀀺􀀮􀀺􀀮􀀺􀀡􀀮􀀧􀀻􀀡􀀮􀀻􀀻􀀢􀀢...."",h @------@""..I""",,,, _'<e .." -""",-_1<... •..... 1'.·_ .. ' ...... 􀀬􀁾􀀬􀀠••>,..4.....􀁟􀁾􀀮􀁟􀀮􀀬􀀬􀀺􀀮􀀮􀀬􀀮􀀮... 􀀢􀀢􀀢􀀬􀁾􀁟􀀮􀀬􀀠",. .......1"
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'... '........􀀧􀀧􀀧􀀧􀁾􀀧􀁾􀀮􀀬􀁜􀀧􀀢􀀠􀁾􀀮􀀮􀀻􀀽􀀮􀁾􀀻􀀮􀀮􀀢􀀺􀀢􀀮􀀮􀀺􀀺􀀻􀀻􀀡􀀧􀁾􀀺􀀽􀀽􀀺􀁜􀀧􀀡􀀺􀀧􀁾􀁾􀀠􀀢􀀢􀀬􀀾􀁣􀁾􀀢􀀢...􀁾􀀢􀀠.. 􀁾...􀁾􀀭􀀭...--..''''"--.""a.. '.. ''''''''''...􀁾􀀮􀁨􀀧􀀧􀀧􀀬
􀀠.....' 􀁾􀀭􀀭􀀢􀀬...--""...... -,.. _____...... 􀁾􀀧􀀧􀀧􀁐􀁜􀀧􀀧􀁟...... """", 􀁾....,,,., <"' ... 'm"" ... ...,.... """..􀁾...4"'............. """"", ....,, "" 􀀢􀀢􀀧􀁾􀀢􀀢􀀢􀀧􀀢􀀠􀀢􀀢􀀢􀀢􀀧􀁾􀀱􀀰
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_L -t . 􀁾􀀠Non-countywide Countywide 
Figure 6 , Panel Title Box lUWN nr USA \.\\l1'1£ {'{)\1NH 􀁬􀁾􀀧􀀠􀁩􀀨􀀧􀁾I 􀀬􀀧􀁾􀀠􀀮􀀧􀀧􀀱􀀱􀁾􀀠<.: .. Jl ' " ..." 1-l.f . £me-nY[ DillE: fUlI'UARt 19. 19!1 fiRM fltlGillKstlRAHCE
RATE MAl' Non-Countywide • lIl0UlIlOODIIIUUICEPIDGIU fiRM flOOD IMSURAMC£ RATE 1m1 􀀳􀀠􀁢􀁾􀁊􀀮􀁾􀀬􀀠􀁦􀁦􀁾􀁾􀀺􀀺􀁾􀀻􀀻􀀠I 1', SAMPLE COUNTY. USA AND j: INCORPORATED 􀁁􀁒􀁅􀁁􀁾􀀠􀀢􀁾􀁍􀁉􀁬􀁕􀀠ro
" J iIIlHE H!, 1!i1!1 10' ! i 􀁾􀁾􀀺􀀾􀁬􀁲􀁟􀀬􀁰􀁟􀀧􀁤􀀧􀁾􀀩􀀠􀁾􀀠Countywide , r-,------'''''_I_.......... 􀀭􀁾.... ,.,..,... 􀁾􀀠..... __..,-:__........ 􀀢􀀢􀁾􀀬􀁾􀀬􀀭􀀭......,..,...............
-.,.,.􀀽􀁾􀀧􀀽􀀺􀀭􀀬􀀺􀀺􀀺􀀻􀀮􀀧􀀺􀀧􀀠.... """' ....._",-'""""",«=""".. 􀀬􀁾􀀭􀂭,.,......",,,,,,,,,,,,, 􀁑􀀧􀀺􀀺􀀧􀀺􀀢􀁾􀀢􀀺􀀺􀀧􀀺􀀭􀀻􀀢􀀮􀀻􀁾􀀧􀀷􀀢􀀢􀀢􀀢􀀢􀀢􀂭􀁾􀀺􀀺􀀮􀀺􀀧􀀧􀀧􀀻􀀧􀀽􀀧􀀧􀁾􀁩􀀻􀀺􀀺􀀧�
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..... ,..􀁾􀀬... ,.,. """" ......'''' 􀁾􀀢􀀧􀁾􀀠_.....,"",,"", ... ""'" .....-""-...􀀢􀀢􀀢􀀬􀀧􀀧􀀧􀀧􀀧􀁾􀀬􀀠..''''.􀀢􀀢􀁄􀀢􀁟􀀢􀀧􀁾􀀧􀁾􀀢􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀢􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀁜􀀬􀂷􀀺
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�􀀧....._ •• (l<."' ....p""....􀀢􀀧􀀢􀀮􀁾􀀢􀀢􀀮􀀠􀀧􀀧􀀧􀀧􀀧􀀭􀀧􀀧􀀧􀀬􀀮􀀧􀀧􀀧􀀧􀀧􀀧􀀢􀁾􀀧􀀧􀀧􀀧􀀠􀁾􀀬... or ''''''''' ....,,' , .... 􀁾􀀧􀀮􀀬􀀮􀀬􀀢􀀧􀀧􀀧􀀠j .... ..-)1·.. """""·""",""
...... "'·" ...... ..􀀢􀀬􀁾􀁾..a 􀀢􀁾􀁶􀂻􀀠􀁾􀁾􀁾􀀲􀀺􀀡􀁾􀀢􀀧􀀮􀁬􀀺􀀮􀀺􀀠􀀺􀁾􀀻􀀮􀁊􀁾􀀢􀀢􀀺􀀡􀀻􀀻􀀺􀀺􀀻􀀻􀁾􀁾􀀧,]:,:-;:: -----"--􀀭􀀢􀀭􀁾􀀠􀁣􀀢􀀧􀀮􀁾􀁾􀁾􀀮􀁾􀀬􀁾􀀬... ,,,.,,,., !C,'",
.....".".,,' tw., ,,,,. 􀀬􀀬􀁾􀀬􀀮􀀠'"'1"""''''' ,. 􀀢􀀮􀀬􀀬􀀮􀀮􀀬􀀮􀁾􀀬􀀠,I 􀀬􀀮􀁾􀀬􀀢􀀮􀀧􀀢􀀠􀀼􀁾􀀢􀀬􀀬􀀧..... ,,"'."'"'M"' •.' 􀀬􀀧􀀢􀀧􀂷􀀬􀀧􀀮􀁾􀁩􀁟􀀬􀂷􀀮􀀬􀀢􀀧􀀮􀀢..._ 􀀬􀁾.....
􀀢􀀮􀀬􀁾􀀢􀀠''''.,.,.,.... 􀁾􀀢􀀮􀀬􀀬􀀬􀀧􀀧􀀠".",,"". 􀀢􀀧􀁾􀀧􀀢􀀧􀀠"","'" 􀀢􀀢􀀢􀀢􀁾􀀮􀀢􀀢􀀮􀁯􀀠""'.'.,,,,, ,,,,,,,",0" 'IWP'H\"""V 􀁾􀁾􀀬􀀬􀁾.. 􀀢􀁻􀀢􀀬􀀱􀀱􀁾􀀧􀀰􀁜􀀠 " ..... "'0 ••"''''''·",,,,,·
••',,,,,, 􀀢􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀭􀀧􀀢􀀬􀀮􀀢􀁪􀁾􀀠..." ......0 ....".".• 􀁾􀀢􀀢􀀧􀁾􀁾􀁾􀀭􀀺􀀻􀀬􀀧􀁪􀀽􀀮􀁾􀀮􀀺􀀺􀀧􀀢􀁷􀀮􀀢􀀧􀀧􀀧􀀮􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀮􀀧􀀧􀀢􀁾􀀧􀀧􀀠'......."........'"\
".. 􀀢􀀢􀀢􀀭􀀢􀀢􀀬􀀬􀀬􀀬􀀬􀀬􀀬􀀬􀀬􀀢􀀬􀀬􀀬􀀬􀀬􀀬􀀢􀀬􀀬􀀮􀀬􀀬􀀬􀀬􀀬􀀬􀀢􀀬􀀬􀀮􀀧􀀭􀀮􀀬􀁾􀀬􀀬􀀮􀀬􀀬􀀬􀀬􀀬􀀬􀀬􀀬􀀬􀀠􀁾􀀻􀀺􀀺􀀺􀀮􀀧􀀻􀀢􀀧􀀢􀀧􀀺􀁉􀀮􀀺􀀺􀀢􀁈􀀢􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀁾􀀧􀀧􀁟􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀧�
�􀀧􀀧􀀠""-," 􀁾􀀢􀀧􀀮􀁯􀁾􀀢􀀬􀀬􀀺􀁮􀁬􀁴􀀮􀁜􀁬􀀧􀀠􀀧􀀧􀀧􀀧􀀧􀀧􀀧􀀮􀁾'-e ++ A Non-countywide GUIDE TO FLOOD INSURANCE RATE MAPS 15 6. Ust of Communities (Countywide FIRMs Onlf) Identifies
the communities for which flooding information appears on the panel. The appropriate NFIP identification number, panel number, and letter suffix are shown for each community in the list
7. Corporate Limit Of County Boundary Line Identifies the juriidictionallimits (within which the mapped community has regularory authority om dli!/elopment) of the portion of the community
that that appears on the panel. (Portions of more than one mapped community may appear on acounl:jwide FIRM panel.) In some states, an incorporated community may exercise extraterritorial
jurisdiction (ETJ) over land use in areas beyond its corporate limns. Where appropriate, ETJ limits are shown and labeled on FIRM panels. S. North Arrow Orients the map and helps map
users determine property locations. 9. Map Stale Allows the map user to relate distances measured on the map to actual distances on the ground and thereby determine the locations of
individual properties, The scales most commonly used for FIRMs are 1'=500', 1'=1000', and 1'=2000', The scale at which an individual FIRM panel is prepared depends on the type and amount
of flooding expected to occur in the portion of the community covered by that panel. Because flooding and development conditions can vary within acommunity, asingle FIRM may include
panels prepared at different 􀁳􀁣􀁡􀁬􀁥􀁾􀀠Therefore, the scale shown on apanel applies only to that panel and not to the FI R M as a whole, 10. Effective or Rellised Date The effective
date of the FIRM. On Flat FIRM 􀁰􀁡􀁮􀁥􀁬􀁾􀀠the date appears below the words "Effective Date" or "Revised:' On Udd FIRM panels, tbe date appears below the words "Effective Date:" or
"Map Revised:". When revisions are made to aFlat FI RM, the entire FIRM is reprinted, regardless of the numher of panels it comprises or the extent of the revision. Arevision III one
panel necessitates reprinting the entire FIRM. Therefure, "Revised" on aFlat FIRM panel means that the FIRM has been revised and reprinted at least once. When revisions are made to a
Z-Fold FIRM. only those panels affected by the revision are reprinted, Therefore, "Map Revised" appears only on those panels that have been revised and reprinted• When one or more panels
of aZ-Fold FIRM are revised, the FIRM Index is revised to show the new suffix for each of those panels (see "Key Elements of the FIRM Index:' Item Pl. Refer to the FIRM revisions chronology
in the panel legend for alist of any revisions made III the FIRM (see Item 25). 11. Zone Label Identifies the flood insurance zone designation for aspecific area of the mapped community,
12. flood Hazard Area Designation Dark and light tints that identify areas of greater and lesser flood hazard, respectively, On Flat FIRMs and older Z· Fold FIRMs, the dark-tinted areas
are designated as Zone A, AD, AH, Al·A30, A99, V, or VI-V30; light-tinted areas are 
16 GUIDE TO FLOOD INSURANCE RATE MAPS designated as Zone B; and areas where no tints are shown are designated as Zone Cor Zone D. On newer Hold FIRMs, the dark·tinted areas are designated
as Zone A, AE, AH, AO, A99, V, or VE; light·tinted areas are designated as Zone X; and areas where no tints are shown are designated as Zone Xor Zone D. 13. RoodwaJ Designation (Newer
Hold RRMs Only) Identifies floodway areas. The floodway is Ihe channel of a river or other watercourse plus any adjacent floodplain areas that must be kept free of encroachments so that
the 10lJ.year flood discharge can be conveyed without increasing the elevation of the 100'year flood more than aspecified amount. 14. Stream Une Identifies the location of awatercourse.
Small streams are usually shown by a single line that represents the approx· imate location of the stream centerline. larger streams are often shown by a double line that represents
the approximate location of the streambanks. 15. BFE Une and BFE Label Indicate the waler·surface elevation of the bese flood referenced to the National Geodetic Vertical Datum of 1929
(NGVD)-or another datum, if specifiedwithin SFHAs. The wavy BFE line is used in areas where the BFE varies, such as riverine floodplains. The BFE label, or tag, appears in SFHAs where
the BFE is uniform across a large area, such as lacustrine (lake) or coastal floodplains. The BFE is usually expressed in feet but is expressed in meters for some communities. 16. Zone
Division Una Divides zones in SFHAs and divides areas with different whole-foot BFEs in coastal SFHAs. 17. Aoodplain Boundaries Shows the limits of the 100·year and 500·year floodplains.
18. floodway BoundalJ (Newer Z·foId fiRMs Only) Shows the limits of the floodway (see Item 13), 19. Elevation Reference Mark (ERM) Identifies apoint where aground elevation has been
established by survey. Descriptions of the ERMs. including their elevations (referenced to NGVD), are provided. ERM elevations are usually expressed in feet but are expressed in meters
for some communities. Descriptions of the ERMs shown on a Flat FIRM are provided on the last panel of the FIRM. Descriptions of the ERMs shown on older Z·Fold FIRMs are usually provided
on the panel on which the ERMs appear. Occasionally, when there is no room to incl ude the descriptions on that panel, they are shown on another panel, and an explanatory note is added
to the panel on wh ich the descriptions would have otherwise been shown. 􀁄􀁥􀁾􀀠criptions of the ERMs that appear on newer Hold FIRMs are provided in the separately printed FIS report.
20. River Mile Marker Indicates distance in miles from arefer· ence point on ariver or other major watertQurse. Astandard reference point could be ariver mouth, community corp· orate
limit, or a major physical feature, such as a bridge or dam. River miles are established only for selected streams and therefore do not always appear on 􀁆􀁉􀁒􀁍􀁾􀀠5 Z-Fold FIRM Panel
Legend (See Figure 7) = 􀁾􀀺􀀻􀀻􀀻􀀠􀀺􀀮􀀺􀀺􀀺􀀧􀀮􀀮􀀺􀀭􀀧􀁾􀀠,. 􀀭􀀧􀁾􀀧􀀧􀀧􀀢􀁴􀀼􀀬􀀺􀀮􀀡􀀮􀀢􀀮􀀮􀁾􀀽􀀢􀀧􀀭􀀧􀀺􀀻􀀻􀀧􀀭􀀮􀀺􀀻􀀻􀀺􀀮􀁾􀁾􀀭􀀺􀀺􀀻􀀺􀀢􀀠-€I􀁔􀀻􀀻􀀻􀀭􀂷􀀢􀀡􀁾􀀺􀂷􀀺􀀺􀀺􀀧􀀢􀀠Title
Box (See Figure 6) 
?,IGOIDE,lQ> F.liQ),QO:JJj$I1JRANQE,R1\"E'MAPS ,.WJ_. Figure Key Elements of a • ". • . {A'?,,:,,;; ", I'I Ii I " 􀁾􀀠Body·of Map (See Figure 8) 21. Coastal Barrier Symbol Identifies
undeveloped coastal barriers within the Coastal Barrier Resources System established by Section 4 of the Coastal Barrier Resources Act (Pub. L 97-348). As required by the Act, no new
flood insurance ccverage may be provided after October 1, 1983, for new Or su bstantially improved structures on any barrier within the Coastal Barrier Resources System. The coastal
barrier symbol ap· pears on aFIRM only when the mapped community includes such barriers. 22. Flood Insurance Zooe Designations The zone designations that appear on the FIRM. Each designation
indicates the magnitude of the flood hazard within a specific area. On Flat FIRMs and older ZFold 􀁆􀁉􀁒􀁍􀁾􀀠Zones A, AD, AH, AI-A30, A99, V, and VI-V30 identify SFHAs; Zones Band Cidentity
areas of lesser flood hazard; and lone 0 identilies areas where the magnitude of the flood hazard has not been determined. pn newer Hold FIRMs, lones A. AE, AH, AD, A99, V, and· VE identity
SFHAs; Zone X identifies areas of lesser flood hazard; and Zone 0 identifies areas where the magnitude of the flood hazard has not been determined. 23. Notes to User Provide additional
information about the FIRM. 24. First FIRM Effective Date (Noo· countywide FIRMs Only) The date on which aFIRM first became effective for the community. As of that date, the FIRM superseded
all previous versions of FEMA flood hazard maps for the mapped community, i.e., FHBMs. On the FIRM effective date, the mapped community (if partiCipating in the NFIP) is converted to
the Regular Phase of the NFIP. This date is not necessarily the date of the latest version of the FIRM, however (see Item 25). 25. FIRM Revisions Chronology On Flat FIRMs. lists the
elfective dates of revised versions of the FIRM, if any, and briefly describes the reasons for the revisions. On a Z-Fold FIRM panel, lists the elfective dates of revised versions of
that panel, if any, and btielly describes the rnasons for the revision. Amore comprehensive revisions chronology may be found in the FIS report. 26. Area·Not-lncluded Label Identifies
areas in or adjacent to the mapped community that are not within the jurisdiction of that community and are therefore not mapped. 27. Panel locator Diagram (Newer I-Fold FIRMs Only)
Shows the area covered by the panel in relation to the outline of the mapped community. The panellocalor diagram helps map users to find the panel that covers aspecific portion of the
community. 28. Cross Section Symbol (Newer Z.foId FIRMs Only) Identifies the locations of floodplain cross sections used in the computation of BFEs. 29. Countywide FIRM Effective Date
(Countywide FIRMs Only) The date on which the countywide FIRM tirsl became effective. Individual non· countywide FIRMs may have been in effect for one or more of the communities in the
county before the countywide FIRM was published. If S(), the initial FIRM effective dates for each community may be shown as Post-FIRM 
I» ,a:. I»-..., -:::1:1s::: FEDERAL IOMERGENCY MANAGEMENT AGENCY SAMPLEVILLE, USA SAMrtE COUNJ'I' flOOD INSURANCE RAT[ MAP COMMUNITY NUMBER 470081 
1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 
Mandatory Purchase of Flood Insurance Guidelines Suspension of Communities fur Non Compliance Problems """"""""""""""""""""""""""""""".""""""""""""""""" ....................... 6 Tool
Sheds m: Shacks ............•...................................................•...................... 22 Town Honses ................................................................................
................... 31 Undivided Interest ofCorulominium Unit Owners ......................................... 30. 31 Univer:sal Residential Appraisal Report Fonn ....................................
............. 20 Value of Land .................................................................................................. 20 Veterans Administration ..........................................
........................................ 11 Walled and Roofed SlIUclUres .........................................................................18 Write yourOwnProgram .............................
................................................... 25 Zones, Flood Zones fur Mapping and Rating Pwposes ................................... 7 Harold T. Duryee Federal Insurance Administrator
July 13, 1989 Date Billing Code 6718-01 "U,S. Goverl'lmenl Prlnling-Office: 1992 -625-003160527 48 Federal Emergency Management Agency FEDERAL EMERGENCY MANAGEMENT AGENCY Federal Insurance
AdministratIon MANDATORY PURCHASE OF FLOOD INSURANCE GuIdelines Agency: Federal Emergency Management Agency, Federal Insurance Administration Action: Issuance of Guidelines Summary:These
Guidelines pertain to the mandatory flood insurance purchase requirementscontainedinSections 102(a}and 102(b) of the Flood Disaster Protection Act of 1973. as amended, (codified as Sections
40120(.) and 4012a(b} of 42 USC). (Public Law 93234, 87 Stat.975), December 31. 1973. and reflect experience gained by theFederallnsuronce Administration (F1A) in its administration
ofthe N ationa! Flood Insurance Program over the pasttwenlyyears following the enactment of the National Flood Insurance Act of 1968. as amended. (Public Law 90-448, 82 SIaL572, 42 USC
4OO1-4128). They revise and repl_ Guide1ines previously published in the Federal Register on July 17, 1974. at peges 26186·93; as revised on February 17. 1978. "'peges 7142-48; anMarch22,
1978. at pege 11862; and on July 21. 1980, at pages 48711 and 48712. Supplementary Information: The implementation ofthe statutOIymandatory flood insurance purchase requirements of the
1973 Actcited above is theresponsibility of Federal Agencies and Federal Instrumentalities and does not rest upon the Federal Insurance Administration (F1A). However, Section 205(b)
of the 1973 Act (42 USC 4128(b» provides that Federal Agencies and Federal instrumentalities shall, in cooperation with the Director of the Federal Emergency Management Agency, issue
appropriate ro1es and regula. tions to govern the carrying out of the Agen· cies' and Instrumenla1iues' responsibilities under the 1973 Act Pursuant to this mandate fm: cooperation.
during the period in which FlA was a part of the United States Department of Housing and Urban 􀁄􀁥􀁶􀁥􀁬􀁯􀁰􀁭􀁥􀁮􀁾􀀠FlA issued Guidelines designed ro previdesuchguidancecancerning
the insurance purchase requirements as might behelpful in promoting greaterunifonnity and understanding of the requirements among Federal agencies. Federal instrumentalities. private
lending institutions. and their !Tade associations, andthe public. Over the past ten years, numerous questions of inte:rpJeration have arisen which have been discussed at many preductive
meetings between FlA and representltives of Federal instnunentalities and agencies. WhileFlA's Guidelines are not bindingupanthesegroups, FlA was encoUTagedby the Federal Financial Institutions
Examina· tion Cotmcil to update the earlier Guidelines, and the Council members, who have reviewed interim drafts of these Guidelines and offered valuable suggestions, have agreed to
disseminate this final edition. FIA wishes to express its deep appreciation for the assistance and suggestions received not only from the Council. butfrom others within the agencies
and instrumentalities involved inthemandatm:yflood insurance purchase requirements. In publishing these GUidelines, FlA invites cantinuing dialogue with all interested parties. Effective
Dale: Upon publication in the Fed· eral Register ofIuly 13, 1989 at pages 29666 -29695. FOR FURTHER INFORMA1l0N CONTACT: James M. Rose, Jr.• Executive Assistant 10 the Federal Insurance
Administrator. Federal Emergency Management Agency. Federal insurance Administration. Washington, D.C. 20472. (202) 646-2780. 1 
Mandatory Purchase of Flood Insurance GUidelines CONTENTS 11 ........3. Effect of Leiters ofM.p Amendment and Letten; of Map ReviThe Guidelines are intended 10 provide guidsion on the
flood insurance pur-" ance to Fedeml 'gencies, Federal Financial chase requirement Regulatory Agencies (defmed by stalllie as 11 •...... .4. What is "Finandal Assistance" "Federal Instnunentalities
"),Ienders. bom>wunder the 1973 Act?e" and the general pUblic. They are divided into six sections, A through F, as follows: 12 ........ 5. How much flood insurance is available? Paga
13 ........ 6. How much flood insurance must OS •.•••••• Section A, an introduction describing be purchased?theNationalFloodInsurancePrograrn 13 ........7. Mandatory flood insurance
pur(NFIP). end. through a tracing of its chase requirements as detenninedlegislative history, providing Ihe by the Small Business Admini· events and rationale which led to the strationenactment
of the mandatory flood insurance purchase requirement. 14 ........ 8. Restrictions on federal fmancial assistance by Federal off,..,. andS•....... 1. Statutory IIl.Ithority for the NFIP
agencies innonparticipating com5 ........ 2. Background history and brief de. munities scription of the NFIP 14 ........Section D, describing the application 6 ........ 3. Status of
studies andmJljl!l for the ofthe 1973 Act to Federal instnunenNFlP as of January I. 1989 talities and private lend.,. subject 10 their jurisdictioIL7 ....... .4. Letters of Map Amendment
and Letten; of Map Revision 14 ........ 1. APPlication of the 1973 Act to Federal instnunentalides and 108 ........ Section B, descn'bing the legislative private lenders background end
the provisions of the MandalOry FloodInsurancePurchase 14............... (.) Federal Instrumentalities de-Requirements of the 1973 􀁁􀁣􀁾􀀠and fUled listing six fundamental facts neces15
............... (b) Legisl.tivepurposesandapesary for an understanding of the reeffie mandate quirements. IS ............... (c) How much flood insurance 8 ........ 1. Background and
legislative hismust be purchased. for howlOry ofthe Flood Disaster Proteclong, and to what transaction Act ofl973 tions does Ihe purchase re9 ........ 2. Basic description of MandalOry
quirement apply? Flood Insurance Purchase Re15 ........2. Coastal Barrier Resources Act quirements (COBRA)9 ........ 3. Sixhasicoomponentsofthe 1973 16 ........3. Effect of Letters of
Map AmendAct ment and Letters of Map Revi10 ........ Section C. describing the application sion of the 1973 Act 10 Federal Officers 17 ....... .4. APPlieation of 1973 Act upon and Agencies.
conventional loans in 􀁮􀁯􀁮􀁰􀁡􀁲􀁴􀁩􀁣􀁩􀁾10 ........ 1. Federal Agencies defined pating oonununities 10 ........ 2. Applic.tion of the 1973 Act to 17 ...............(.) Wh.tis.conventional!o...?
Federal Qfficen; and Agencies in 17 ............... (b) Authority forlender, 10 make comm:unities participating in the conventional loans in specialNFIP 2 Federal Emergency Management
Agency Preferred Risk Policy ....................................................................................... 10 Principal Property. Principal Residenceof an Insured Homeowner ............................................... 21 Private Policy of Flood Insurance, .. Acceptability by Lenders .............................................................
.................... 25 Probation. Imposed on Communilles For Non Compliance ........................................................................................ 6 Purchase of Mortgages
Loans .................................... , ..................................... 25 Purchase of Mortgage Loans by Federal Agencies ......................................... 12 Regular
Program of the N.tional Flood Insurance Program .................................................................. 6. 23 Reliance by Lende" on Outside Advice in Malting Detemtinations
................................................................... 19 Replacement Cost Coverage in Connection with Loss Payments ..................................................................
21. 33 Rowand Bridges, Federal Financial Assistance ........................................................................... 14 Row Houses .........................................................
............................................31 Second Mortgages ............................................................................................ 15 Secondary Residences of
Insureds ................................................................... 21 Secondary Mortgage MaIk.t ...........................................................................
25 Section 1364 of 1968 Act Concerning Notice to Borrowers ..................................................................... 18 Section 1316 of 1968 Act Concerning Non Compliaot
Structures ............................................................ 24 Small Business Administration, Loans By ...................................................... 13 Special Flood
Ha:w-d Area. Area of Special Flood Hazard .......................................................................... 6, 7 Standards by Which Lend.,. are Judged in Malting Determinations
................................................................... 18 Status of SllIdies and Map' .............................................................................. 6 Storage
Tanks .................................................................................................. 23 StrUctures, Walled and Roofed .............................................................
........... 18 Subsequent Revision of Flood M.ps, Impact on Prior Loans ...................................................................................... 19 Subsequent ReVision
of Flood Maps, hnpact on Subsequent Loans ........................................................................... 19 47 
Mandatory Purchase of Flood Insurance Guidelines Home Equity Loans ......................................................................................... 15.27 How Much Flood Insurance
Must Be Purchased .....••...................••.............•.• 13. IS. 21 How Long Must Insurance Coverage BeKept ................................................ 15 HUD UnifOlTIl Residenlial
Appraisal FOlTIl .....................................................20 IJnproved Real Eswe.l1nproved Real Property ..........••••....•.............••...•........ 20. 21 IJnprovements
and Betterments ....................................................................... 31 lneligibility of Property for Flood Insurance •.....•...••.............•....••••••••....••.......23.
24. 25 Insurable Structures ......................................................................................... 18 Insurance To Value ...........................................................
............................... 34 Lende",'s Remedies ro Achieve Compliance Afulr Initiation of Loan .....••...................•••.....•............•.•..•.......... 26 Letter of Map
Amendment (l.OMA) •..••...............•.......•...............................••. 7. 11. 16 Letter of M.p Revision (LOMR) .....................................................................
7. 8. 11. 16 Local Floodplain Management Ordinances ....•.••••...•.••.............•................•..••• 5 Loss Ratio Outside Special Flood Hazard Areas .............................................
10 MalLimum Amount of Flood Insurance Coverage Required by Law ..............................................................................................13. 15.21 MalLimum Amount
of Flood Insurance Coverage Available under NFlP ..................................................... 12.15. 21.36 Mobile Homes and Manufactured Homes ...............................................
........9 National Credit Union Administration ............................................................ 15 Non Participating Conununities ........•............................•..•....•.........•.
.............. 14 Notification under Coastal Bartier Resources Act .......................................... 16 Notification of Borrow... of Flood Hazards ...........................................
........ 17 Notification of Borrowers. Reasonable Time For ........................................... 18 Number of Communities in NFlP .....................•••••...........••......•...........•.....
..... 6 Office ofThrift Supervision ..•...................•.••.••..•..........•••.....................•••..•.... 15 One Hundred Year Flood (100 Year Flood) ...........................................
......... 7 Participation by Communities in NFlP ......••.............................••..................... 6. 9 Personal Property ..................................................................
........................... 9 Personal Property. Requirement of Cover.ge For PUIchasers oflJnproved Real Eswe ................................................................ 9 Personalty.
such as Tool Sheds or Shacks ....................................................... 22 Pole Barns ....................................................................................................
.... 23 46 Federal Emergency Management Agency flood hazard areas ofnonparpurpose of !.he loan transaction is ticipating oommunities primatily tofacilitate !.he purchase of land for
subaequent develop. 17 .............. (c) Notification requirements ment?aod Notice Form 22 .............. (.) SllItUsofsurplusbuildingsof18........SectionE. consisting ofGuidelines
ro nontinal va1ne on land puran interpretation of !.he 1973 Act, wi!.h chased for developmentnine subsections discussing: 22 ..............(b) Whatifl.hereisastructurein 18........ 1.
Standards by which lendsrs are • sl":"ial flood hazard areajudged which is being used for resi18 ..............(.) Significance of !.he location dential or commercial purof !.he slrUcture
poses on land whose value alone would be sufficient to 18 .............. (b) Exantinationof!.hemap secure the loan without 􀁲􀁥􀁾􀀠19 .............. (.) The "Guod Faith Standard" gard
to !.he value of!.he building?19 .............. (d) The1ender'srelianceuponassistance 23 .............. (.) NFlPdeductiblesaoddefminon of structure19 .............. (.) Who must make
determionlions? 23 .............. (d) Buildings in !.he course of construction19 .............. (1) Wh.t is determined? 24........4. Unavailabilily offlood insurance 20 ..............
(g) Howtorecord I.hat.detemri-for specifIc buildings in communation was made nities participating in !.he NFIP 20 .............. (h) Theullima.teresponsibilityof 24 .............. (.)
Coastal Barrier Resources !.he lender A.t (COBRA) 20........ 2. Should !.he amount of imurance 24 .............. (b) Section 131 6 of the 1973 Act required reflect !.he value of !.he
and buildings in viol.tion of land? State or loca11aws 20 .............. (.) The 1973 Actrefers to build-25 .............. (.) Section 1316, as applicableings and mobile hO!nes to Federal
officers and .gencies21 .............. (b) What!.he NFlP Policy covers 25 .............. (d) NFlP underwriting r..mc21 ..............(c) Wh.t if !.he loan is secured tions on eligibility
or .vail.only by land opon whi.h bility of flood insurance there are 00 structures? 25 ....... .5. Applicability of !.he 1973 Act to 21 .............. (d) What if • detached gar.ge of
purcheseofmortg.g..bylenders• residential property. to whi.h IOpercentof!.he prin. 25 ........ 6. Acceptance of priv.te flood incipal structure's insurance is surance policies and "Write
Yourapplicable. is in !.he "P.'ci.al awn" policiesflood hazard area, while !.he principal structure is outside 26 ........ 7. Leoders'rernedies in !.he event of and whatis thestatusof
a tool prior failure ro require flocd inshed or shack similarly losurance cated? 27 ........ S. Home Equity Loans under the 22 ........ 3. Wh.t is !.he impact of !.he f100d 1973 Acr
insurance purchase requirement 28 ........ 9. Federal Financial Institutions Institutions Inerty are ofnominal value, and !.he teragency Examination Councilifimprovementson!.hercalprop3

Mandatory Purchase of Flood Insurance Guidelines procedures and examiner check33 ........ 7. Residentialcoverage.urutowner list for compliance 34 ........ 8. Residentialcoverage-condomln30
........ Section F describing requirements of ium association the 1973 Act as to condominiums 34 ........ 9. Condominium Master Policy30 ........ 1. Insurance/propertyrepnirrespon(CMP)
under the NFJPsibilities of condominiwn associations 35 ........ 10. Non-residential coverage -oondominiums31 ........ 2. Lenders' interest 35 ........ 11. Coverage options 31 ........
3. Nature of condominium owner· 'hip/lenders exposure 3S ............... (a) Individual Dwelling Policy 32 ..•••••.4. Peril of flond 35 ............... {b) General Property Policy 32
.....•.•5. Changes in the market place 35 ............... (c) ConduminiumM ...".Policy 33 .....••. 6. NFJPcoverage.satisfyinglender requirements 44 ........ An index follows these sections
4 Federal Emergency Management Agency Disaster Assistance .......................................................................................... 12, 24 Eagleton Amendment ........................
.............................................................. 17 ElevatedBuilding ............................................................................................ 8.11.17
Elevation Certific.ate ........................................................................................23 Emergency Program under the NFIP ....................................................
........... 6 Escrow ............................................................................................................. 27 Federal Agencies ................................................
.............................................. 10.11 Federal Deposit Insurance Corporation ........................................................... 15. 25 Federal Financial Institutions
Examination Council ....................................... 18 FFlEC Examination Procedmes and Examiner Checklist. .............................. 28 Federal Home Loan Bank Board .....................
................................................ 15,25 Federal Home Loan Mortgage Association ..................................................... 12 Federal Housing Administration
...................................................................... 12 Federal Instrumentalities ..................................................................................
14 Federal Insurance Administrator ..................................................................... 5 Federal National Mortgage Association Requirements ...................................
13 Federal Reserve Board ..................................................................................... 15.25 FEMA Form 81-2 ...................................................................
......................... 18. 18a FEMA Form 81-3 ............................................................................................ 20.20. Flood Hazard Boundary Maps (FHBM)
.......................................................... 6 Flood Insurance Rate Map (FIRM) ................................................................. 6 F1oodw.y .............................
............................................................................ 8 Financial Assistance. Federal Financial AssistJmce ........................................ 10. 11. 14
Forced P!JIc.ement .............................................................................................27 Garages. Detached ..................................................................
......................... 21 Gazebos ............................................................................................................ 23 General Property Policy ..........................
......................................................... 35 Gond Faith Standard by Which Lenders Are Jndged as to Determinations .......................................................
19 Guidelines, Msndar.ory Flood Insurance Putchase .......................................... 18 Hazard Insurance. Term Used in Mortgages ...................................................
27 High Rise Buildings ......................................................................................... 31 45 
Mandatory Purchase of Flood Insurance Guidelines INDEX Actual Cash Value Coverage ........................................................................... 21.33 Additions and Bettemrents
................................ ; .............................................. 31 Airspace .........................................................................................................
.. 31 Amount of Flood Insurance Available ............................................................. 12 Assessments for Condominium Unit Owners ..................................................
32. 34 Base Flood Elevation ....................................................................................... 6 Basements. Limitations on Coverage ..............................................
................ 25 BUildings Built Over Water ............................................................................. 25 Buildings in !he COurseofCOnstruction .................................
......................... 23 Buildings Built in Violation of Local Ordinances ........................................... 24 Certificate of Redetermination ...........................................
.............................. 20. 20a Coastal Baulers Resources Act (COBRA) ...................................................... 15. 24 Common Interests of Condominium Unit Owners
.......................................... 31 Communities. Number PartiCipating in NFIP.................................................. 6 Comptroller of the CurrellCY ..............................
.............................................. 15. 25 Condominiums ................................................................................................. 30 Condominium Associations
............................................................................. 30 Condominium Masrer Policy ...........................................................................
34 Condominium Unit Owners ............................................................................. 30 Conumts Coverage, R<quiretnellt For .......................................................
....... 9 Conventional Loans .........................................................................................17 Costs InCUIted by Lend" ......................................................
.......................... 27 Deductible uoder Insurance Policy .................................................................. 22 Deparunent of the Interior ......................................
......................................... 16 Deparunent of Housing and Urban Development (HUD) ...............................27 Depreciation .........................................................
............................................ 21 Detached Garage of Residence ........................................................................ 21 Detennination of Lenders .....................
........................................................... 18, 19 Development Loan ........................................................................................... 22 Difference
in Conditions. Policies of Insurance .............................................. 32 Disaster Relief Act of 1974..............................................................................
12 44 Federal Emergency Management Agency A. INTRODUCTION 2. BACKGROUND HISTORY AND BRIEF DESCRIPnON OF THE 1. STATUTORY AUTHORITY FOR NAnONALFLOODINSURANCE THE NAnONAL FLOOD PROGRAM
INSURANCE PROGRAM Between 70 and 80 percent of all natural disTheNationalFloodlnsuranceProgram(NFlP) asters in the United States involve flooding, became effi:ctiveonJanuary 28,1969,
(33 FR and from its earliest days the Federal govern17804) and was authorized by the National menthas been involved with the peril offloodFlood InsuranceActof 1968. (fitle:xmof the ing.
Through re-channaling. or through damsHousing andUrbanDeveIopment Act ofl968. and levees, restricting the flow of waters, as as amended, Public Lew90448. 82 Stat 476. welJas through
thedevelopmentofhydroelec42 U.s.C. 4001-4128). Theposition of Federal tric power and irrigation. !he Federal governInsurance Adotinistrator was authorized by menthas attempted to ameliorate
the effects of!he Urban Property Protection and Reinsurflooding. But in spite of all these actions, vast ance Actof 1968, (fitle XI ofthe Housing and sums of money have hed to be expendedUrban
Development Act of 1968. and !he through !he response mechanism of FederalFederal Insurance Adotinistration was estabDisaster Assistance. lished und" the Housing and Urban Development
Act of 1968 as part of !he United Slates In 1968 the Congres. embarked upon a new Department of Housing and Urban Developcourse of action and focused upon ways in ment(HUD). TheSecretatyofHUDdelegate
d which flood damage could be avoided or r .. to the Federal Insurance AdotinistralDr the reo duced bymaking the public aware ofits potensponsibility for adotinistering the NFIP. tial
exposure to flooding and by providing, through the authorization of a Federal flood Subsequently. on June 19, 1978. President insurance program, an incentive to encourageCarter forwarded
to !he Congress Reorganizacommunities to adopt floodplainmanagament tionPlanNo. 3of1978 (43 FR41493)(which oIdinance. that would mitigate the effects of bad the effect ofa Federal statute).
This plan, flooding upon new construetion. Taking netein eddition to creating the Federal EmMgency of the fact that insurance coverage .gainst theManagenumtAgency(PEMA).transferred!he
peril of flooding was virtually unavaihthle in functions authorized and described in the the private sector, the Congress enacted theNational F100dlnsurance Act of1968 and the National
Flood Insurance Act of 1968, and positionofPederalInsuranceAdotinistratorto authorized the National Flood Insurance ProFEMA. The organization of PEMA was fur· grmn, which represented
a new approach totherdefined in Executive OrdM 12127. dated assisting the victims of flooding by providing March 31,1979 (44 FR 19367) and Ilxecutive an opportunity for property owners
to purOrder 12148,datedJune20.1979. OnAprill, chase from the Federal goverrunent insurance 1979, in a notice poblished in 44 FR 20962, protection for structures and contenlS exposedand
huer codified at44 CFR 2.64. the Director to !he peril of flooding. of PEMA delegated responsibility for the administration of the NFlP to the Federal InBecause the aVailability of government
flood suronce Adotinistrator of !he Federal Insurinsurance without hmu:d mitigation would ance Adotinistration (FIA). which bad beoniy have increased the potential for flood come a Directorate
within PEMA. damage by encouraging unwise construction. 5 
Mandatory Purchase of Flood Insurance Guidelines FlA was directed under the 1968 Act to con· duct studies throughout the United Stal.es to determine in each community the location of
areasofspecialfloodhazard and to issue Flood H87.ard Boundaty Maps (FHBM) and Flood Insurance Rate Maps (FIRM) showing the location of !hose areas and In notify each community of such
identification. Eligibility for !he purchase of flood insurance was made available only 10 those individuals or corporations whose insurable property is located within a conununity that·has
agreed with the Pederal government In adopt ordi· nanees !hal will mitigate the impact of future flooding. The most sigoificanl of these reo quired ordinances are !hose which, for ex·
ample. condition the issuance of building per. mits for new residential construction in areas of special flood h.,..ard upon the requirement that the building be constructed so that
the lowest floor will be located above the base flood elevation, ifthat figure is provided on a Flood Insutance Rate Map issued by FlA. Participating communities that fail In ade· quately
enforce their floodplain llIImagemenl ordinances may be placed on probation if they do not take corrective actions within iii specified time period. NFlP policyhold ... in that communitywillbenotifie
dofthepondingpro· bation aod that their policies may become sub· ject In a surcharge on their flood insurance premiums. If a community which bas been placedonprobation fails Inbringits
floodplain management prOgrlllll into compliance with the NFlP requirements. it may be suspended from the NFlP. a step which would teIminate its st8lUs as a participating community.
In that 􀀮􀁶􀁣􀁮􀁾􀁎􀁆􀁬􀁐policies wouldnotberenewed for property own... in th8l community aod nO neW policies wonld be issued. Experience shows that the probation process leads to oomplianceaod,
as of Januaty 1989, only three communities have had to be susponded for lack of compliance. However. communities arorautinely suspended for failure 10 adopt or amend theirfloodplainmanagementordinsnc
es to incorporate new flood hazard infonnation 6 or revisions to NFlP regulations. Experience shows thatwithin a very short time most of these communities become participating again.
3. STATUS OF STUDIES AND MAPS FOR THE NATIONAL FLOOD INSURANCE PROGRAM AS OF JANUARY, 1989 Some 18,642 communities have been identi· fied as flood prone through the pUblication of a
flood map by F1A. The total numbet of conununities participating in the NFlP is 11,797. including some 1.851 communities for which no special flood hazards have been identified and for
which no map has beon published. Property own... within these par. ticipating communities are eligible to pur· chase flood insurance to protect buildings 10· catedanywherewithin suchcomrnunitiesl
both inside aod outside of special flood hazard areas (sul:!jecl to restrictions of the Coastel BarrierResourcesAct,discussedbelow).Some 2,700 communities which have been mapped donotpresentlypartici
pan>. andpropertyown· ern in those communities are not eligible to purchase flood insurance. While these figures constantly change, as a benchmark it may be useful '" record Ibe fact
thaI as of Januaty, 1989, of the 17.797 participatingconununitins, 16,531 are in the Regular Program. Their property owners. therelore, areeligible topurchase themwtimumamollnlS of insurance
coverage available oeder the Pro· gram. Presenlly, only 1,260 participating communi· ties remain in the Emergency Program phase, where only limited amounts of insutance are available.
Flood risk studies currently under· way in these communities are scheduled for completion before September 30. 1991. Upon their completion, Flood Insurance Rate Maps willbeissuedandwillreplaeethe
Flood Hazard Boundaty Maps currentiy ineffecl for each of these communities. At that time. these communities will, alsot be eHgibJe for conversion Federal Emergency Management Agency
Federal Insurance Administration National F1ool\ Insurance Program Condominium Master Policy Individual Features Policy in erred: • As ofJanuary 1.1989 Insnred: • Association only Bnildings
Eligible: • 3 or more floors /5 or more units Property Covered: All common stroclUIlll building elements • Internal unit elements -Wall, floor, ceiling coverings -Improvements and bettennents
Assessment Coverage: • Yes*Coverage Limits: • $185,000 x no. of units in bldg. or actual cash value of bldg. (whichever is less) Coverage Type: • Actual cash value Deductible: • $500
per building (not unit) Expense Coustant: • $45 per building (not unit) Rates: • Lower than with other NFIP policies • Used differently -results in lower premium Premium: • Significantly
lower -up to 60% plus Minimnm Coverage Requirement?· Insurance 10 value strongly urged * So long as the following assessment criteria are met. I. Other bldgs. of association covered
by General Prop. policy. 2. Association flood coverage must be NFIP coverage. 3. Coverage amount must be ACV or maximum available, whichever is less. 43 
Mandatory Purchase of Flood Insurance Guidelines National Flood Insurance Program Condominium Master Policy Major Benefits Significant cost savings to the association • Increased coverage
at no cost Assists unit owners with mortgage insurance requirements • Assists in meeting Federal mortgage assistance requirements Allows ASSOCiation to 1reat same as other property insurance
• Provides 􀁧􀁲􀁾􀁴􀁥􀁲protection against liability issues to association and board members • Allows association full central control over coverage, renewals, claims and repairs • Simple
to process 42 Federal Emergency Management Agency 10 the Regular Program phase and eligible for The delineation of areas: subject to such inunhigher amounts of inswance: coverage. dation
is derermined by FEMA Iltmugh engineeringstudies. Special flood luw!rd areas are Special flnodhuard areas arederenninedwith usually nofmed inlo·Zones A, AO, Ali, AE,reference to the
"100-y.ar" flood standard, A99, VO, VE, or V. (Oldermapsutilizenum'which is Ilt. national standard on which NFIP bered A Zones, e.g. AI, A2,..A30, and nllm· regulations are based. It
is also the standard beredVZones, e.g. VI, V2,..V30 in lieu ofllte adopted by virtually every fedaral agency and nower All and VE Zones, respectively. (Newmost stale agencies for Ilte
administration of maps use fewer zone designations for purtheir floodplain management programs. Tho poses of simplicity). The rerm special flood lOO-year flood, also refarred to as a
"base hazard areadoes not include areas outside the flood," is defined as the flood having a 1 lOO-year floodplain. which are refarred to as 􀁾􀁴probability of being equalled or ex·
moderate 10 minimal risk and are designatedceeded in any given year. Tho risk of experi. ZoneX. (Older maps differentiare th.xZone encing a flood of this magrtitude increases inloZonesB
and C, which represent moderate with the leogth of time considered. and minimal flood risks, respectively). Areas for which no flood hazard evaluation has beenOf special interest to
lenders is is the faet that made by FEMA are designated as Zone D.)within the special flood ha:z.a:rd area there is • 26 percent chance (.boutone in four) of .xpe. 4. LETTERS OF MAP
AMENDMENTriencing such a flood over a Iypical 30 year OR MAP REVISION REMOVINGmortgage period. By contrast. during the rerm PROPERTIES FROM SPECIALof a30.yearmortgage, there is only.
1 percent FLOOD HAZARD PROGRAMSchance of suffering a rlIe loss. Situations occasionally arise in which a piece But. while necessary for applying floodplain of real properly is shown
On a flood map as management requirements and establishing being in a special flood huard area even urtiform flood insurance rares, the tenn 100though Ilte property is, in fact. above
the 100 year flood can be misleading. Although it year flood level. This happens because flood represents the 1008 term average recurrence insurance maps cannot reflect every rise in
interval for a flood of this magnitude, such terrain and there will be instances where there floods may be experienced in any given year. will be "natural islands" ofhigh ground in the
Therehave been numerous instances since the special flood hazard area that were inedverNFIPwasestablished wh....commnnitiesh.v. rently included in the special flood huard sustained two,
and even three, 100-year or area. Nevertheless. until the map has been grearer floods within. several year period. A changed,lenders are bound bytheinforOlation notable example took
place in the 1970. when shown on PIA maps and cannot validly make within five years arrerexperiencing Tropical a detemtination on their own that is 􀁩􀁮􀁣􀁯􀁮􀁳􀁩􀁳􀁾􀀠510nn Agnes in 1972, Pennsylvania was batlent with the map. rered by another lOO-year flood, demonstrat·
Fortunarely, there is • very workable mecha· ing the value of Iltestandard as a tool for meas· nism for resolving such problems. PIA hasuring exposure to a 100 year flood, butnot for
created an officient procedure by which apredicting its tinting. The lOO-yearfloododght be more properly rermed the "I percentannuai percentannuai property ownercan submitelevationmaterials
chance flood", which represents its true probain support of a request for • Letter of Map Amendment (LOMA) removing the property bUity of being equalled or exceeded in any year. from
the special flood hazard are•. Such • process involves only the propony owner and Special flood h"""d areas include only those the PIA and does not require that the commuareas which
are in the 100-year floodplain. nity become involved. 7 
Mandatory Purchase Of Flood Insurance Guidelines Federal Emergency Management Agency EuJmpi£4 FLOOD L'ISURANCE COVERAGE/COSTS FOR CONDOMINI\JMS IN MULTI-5TORY BUILDINGS CURRENT INDrvIDUAL
DWELLING POUClES VERSUS NEW CONDOMlNlUM MASTER POLlCY (/ks"lIlf 1'1'(18"'-"" Posl.fIRM Cotulf'llaiM, 􀁾􀁁􀁑􀀮􀀮􀁁􀁈􀀬M;&.;r/ll(IIf, With Certt}cmil.'ltlj CL1UlE,''T NEW CONOOMlt->IID.1
DWELLING POLICY MAST1:.R POLlCY /A<nI4I1 rfjlimald) $70.000• AMT.OFCOVtRAGEIUNIT 100• NO. OF UNIT$ ""-"",. AMT. OF COVERAGEltltJ)G. • RATES D.P._SfflgkFamily C.M.P.--OtIII:r Residcmi&ll
SinSI!; flImily S1 MILUON S7MILUON S-l1f.06 400 )( $ .11 .. S 611. lOOxS.06 .. Ill. S1MtLLlOM $.11/,00 1.150)( $ .\1' .. S 195 68.1:1$0 x $ ,06 .. S 4.1l1 • PREMlUM-UNITfflLDG. • EXPENSE
CONS'T ANT .. TOTALPREMIUM!UNIT • NO. OF UNITS '86 s.t1!UNn' $ 1).\ Xloo $ 4.326 ,4>1 BLDG. $ 4,31\ NfA • TOTALPREMtuMlBI..O(i. * DEDUCTIStE-UNrr/BLDG, S ll.l00 􀁾􀁏􀁏􀁉􀁕􀁎􀁉􀁔􀀠x 100
" 5 SO.COO $ 4,311 , loo • SET SA􀁶􀁬􀁾􀀧􀁃􀁓􀀯􀁡􀁅􀀼􀀢􀁅􀁭􀀠TO THE ASSOCIATIO"" ,. ANNUAL PREMiUM S8,n9 • LOWERDEDUCTlBLEI INCREASED COVERAGE AT NO ADDIT!O:-JAl.COST 549.500 • 'BOARD
FIDUCIARY R.ESPO)/, SIBII..ITYMET .. N'ET RESEFIT 1'0 THE PROUt,;C£RfWYO COMPA:-iY • ONE APPLICATION FORM • ONE-POLICY .. ONE 􀁄􀁅􀁃􀁌􀁁􀁒􀁁􀀱􀀧􀁉􀁏􀁾􀀤􀀠PAGE. • ONE SET OF NOTICES january
1989CO"'OO16 41 A related but different situation is presented when a propert;y owner, whose land is within a special flood hazard area below the 100 year flood level, grades and fills
the site toraise the level ofthe land above thelOOyear f100dleve!. This situation differ. from the one above beca:tl$ein the previous SItualion the nalllrallevel of the land al the time
that the map was issued was above the 100 year flood level and no artificial improvement was needed to accomplish.thatlevel. fucases w herephysical changes have had In be made to raise
the level of lIle property above lIle hase flood elevation, PIA will not issue • letter of map amendment. Howevet't with the 􀁣􀁯􀁮􀁣􀁵􀁲􀁲􀁥􀁮􀁣􀁥􀁯􀁦􀁴􀁨􀁥􀁣􀁯􀁭􀁭􀁵􀁾􀀠nay PIA will
issue a Letter of Map Revision (WMR) which, fur lIle pUtJlOses ofthe prop. erty owner will accomplish the same PUtJlOSO. A WMR can also be used III correct. mistake made in the original
analysis or when conditions have changed as in the ease of the COIlstruction or removal of a dam or other flood control strucrurc. Therequestmust be made. orconcurred in. by the community
beeause changes in land level that result from grading and !he placing of fill on!hepropeI!ll may have animpactuponolller propeI!lI owners. The submission ofa request for a letter of
map revision from the communityevidences lIlalthechangeinlandlevelhas been reviewed by lIle community and been fOWld to be compatible with !he community's planning. Letters ofmap revision
may be also be granted in situations where chermels have been dug or reservoirs built to reduce hase fIoodelevationsandwhereleveesorfloodwalls have been constructed to preted. areas.
(It sbould be noted that in floodways of special flood hazard areas, whicl! include the channel of.river and the adjacent floodplain that must be reserved in an Wlobstructed condition,
the pleeing of fill or other development is not allowed if it will result in increased flood levels.) A seemingly related, but different, situation is presented when a property owner,
whose land is at a level below tha lOO-year flood level, i.e., the hose flood elevation, in • special flood hazard ...... builds an elevated 8 building, supported by walls orpilings,
whose lowest floor is above the lOO-year flood level. In this situation there is no basis for the Lssu· ance of eilber a letter of map amendment or maprevision. The building is still
in thedesigna!edspecial flood hazard area andits fouodac tion can come into direct contact with flood wate,.. However, the elevation ofthe building will be reflected in lIle lower insUlanee
rate and premium that such elevation will have made possible. Only the FedeJal Insurance Administration can amend an offICial map to remove or add a particular property location from
a designated SFHA by a Letter of Map Amendment, or revise a map by • Letter of Map Revision to change lIle special flood bazard area or revise the elevations on a map. B. THE MANDATORY
FLOOD INSURANCE PURCHASE REQUIREMENT 1. BACKGROUND AND LEGISLATIVE HISTORY OF THE FLOOD DISASTER PROTECTION ACT OF 1973 From 1968 lDlul the adoption of the Flood Disaster PtotectionAct
of 1973, the purchase of flood insurance was volWllarY. Unfortunately, despite the availability of the insurance, after major flooding disas.ers in 1972 it became evident that relatively
few flood victims had purchased flood insurance. From the standpoint of lIle Federal government the question has been nOt whelller !he Federal government would be called upon to provide
reliefto thosewhosuffered from flooding, but, ralber, through what mechanism would Federal funds be made available. Therefore, !he failure of lIle public to avail itself of !he benefits
of flood insurance as an alternative 10 Ibe disaster assistance approech became • malter of concem III lIle Congress. This concern was expressed by the Congress in lIle findings contained
in Sections 2(a)(2), (3), (4) and (5) (42 USC 4002) of the Fiood Disaster Ptotection Act of 1973, which noted 
Mandatory Purchase of Flood Insurance Guidelines EuJmpleJ FLOOD INSURANCE COVERAGE/COSTS FOR CONDOMINIUMS IN MULTI-STORYBUlLDINGS CURRENT INDIVIDUAL DWELLING I'OUCIES VERSUS NEW CONDOMINIUM
MASTER I'OUCY (RtplarProglllm. Pau-FiRM cmutn"Cl'UII1, ZoII.r AO-AH. NIJ&r.rM'tlf(, Wului!il Ctrn{iroriortj Cli1tlt£r..\ N£WCONOO,\ll:\lC:\l DWELLING POLICY !)'IASTER POLlC\' • AMT.
OF COVERAGE/UNIT sN,<OO 􀁾510,(0) /E.J!imm<"s! '$10.000 • NO.OFUNm • AM'r.OFCQVERAGElBtOG. • RATES D.p.-Singkr2lflily 􀁃􀀮􀁍􀀮􀁐􀀮􀀭􀁏􀁉􀁢􀂫􀁒􀁥􀁴􀁩􀁾􀁮􀁬􀁩􀁾􀀠SingleF.1ID1}' • PREMruM_UNITIBLOO.
• EXPfNSECONSTANT • TOT.\L PRE,\fIUMNNtT " NO, Of UNITS 100 S1MILUON S1MILLlON l.SS1, J7 400 x S .55 '" S12i) 300 x S.I7"' :51 sm 􀁾􀁓􀁦􀁕􀁎􀁲􀁲􀀠S 316 X 100 S1MILLION 5.6:1",11 U5GxS
.65=5 748 68.850 x S ,17'" SIl,70:5 􀁓􀁬􀁾􀁁􀀤􀀩􀀠S 4Sf BLDG. 512,498 MIA • TOTALPREM'!UW8LDQ. • DEDUCTLBLE-UNlTiBUlC. S 31.600 S5!XliUNli x 100 '" S 􀁾􀁇􀀮􀁏􀁏􀁬􀀠Si2.J.98 , lOO ..
NETSAVINGStBENEflTTOTHEASSOCIATlON • ANNUAL PRf.I!lIU:-'l $19,102 LOWER OE,DUCTIBLEJ 1NCREASED COVER.<\G.£ 􀁁􀁔􀁎􀁏􀁁􀁄􀁄􀁭􀁏􀁾􀁁􀁌􀁃􀁏􀁓􀁔􀀠$.l9.500 BOARD HDUC!ARY itESPON· saBIL!TY
MET • l'<'ET BENE1'1TTO THE PROUUCERlWYO COMPA:-iY • ONEAI'PLlCATION FORM • o.\lE ?OLICY ·ONl;;PECLARATIONSPA(;E ·ONESETOfN011CE.'i JanWll')' 1989 CO:-;0015 40 Federal Emergency Management
Agency "the availability ofFederal loans ,granlS, guoranties, insurance, anti other fornu; of financial assistance "'"often derermining fact<lrS in the utilization of land and the location
and conslnlction of public and of private industrial, commerciAl andresidential facilities" and that "property acquired or COIlS1ruCtlld willl granlS or olller Federal assistance may
be exposed 10 risk ofloss through floods, thus frustrating the pu.:rpose for which such assistance was 􀁥􀁸􀁾􀀠tended" and that "the Nation cannot afford the tragic losses of life caused
annually by flood occuaencos, northeincreasing losses ofproperty suffered by flood victims. most of whom ore still inadequately compensated despite the provision of costly disaster disaster
relief'. The Congress defined its purpose in Section 2(b)(4)ofthe 1973 Act as being to "require the prttChase of flood insurance byproperty owners who are being assisted by Federal pro.
grams or by Federaily supervised, regulated, or insured agencies or institutions in the 􀁡􀁣􀁱􀁵􀁩􀁾􀀠sition or improvement ofhled or facilities 10· cated or 10 belocated in identifiedareasbaving
special flood hazards". 2. BASIC DESCRIPTION OF MANDATORY FLOOD INSURANCE PURCHASE REQUIREMENTS, AS CONTAINED IN THE FLOOD DISASTER PROTECTION ACT OF 1973 Since March 2, 1974, the Flood
Disaster Pro· 11.lCtion Act of 1973, hereinafter the "1973 Act", has required the purchase of flood insur· ance as a condition of receiving any fonn of Federal or Federolly related financial
assis· tance from any Foderal officer or agency for aequisitioo or construction purposes with 􀁲􀁥􀁾􀀠spect to any baildisg or mobile home located in any area that has been identified
by the Di· reclOr of the Federal Emergeocy Management Agency as a special flood hazard orea, willlin any community participating in the National Flood Insurance Program. (Recent temtinOJ·
ogy adopted by the Department of Housing and Urban Development and regulatory changes in the language of tire National Flood Insurance Program's Standard Flood insurance Policyreferto
"mobile homes" as "manufactured bomes.") The Act also requires Federal Financial ReguIalOry Agencies (Federalinsln!mentalities) to direct lenders subject to their regulatory jurisdiction
to require borrowers, whose security consists ofbuildings or mobile homes located in .special flood hazard area in a participating community, 10 purchaseflood insurlll1«>, Contents coverage
is not required unless, as specified in the stature, there is any "personal prop. erty securing the loan", as wen as improved real property, 3. SIX FUNDAMENTAL COMPONENTS OF THE 1973
ACT In assessing the impact of the 1973 Act and gaining an understanding ofits provisions, the silt most important facoors 10 keep inmind are! (a) Although the intent of Ill. sllllUte
is 10 require the purchase of flood insurance by borrowers in special flood hazard areas, the directives and prohibitions contained in the 1973 Act apply only to Federal officers and
agencies. and to Federalinsln!mentollties that are required by the stal1lte to issue implementing rules. The 1973 􀁁􀁣􀁾􀀠by ilSelf, does not require or prohibit action on the part of
communities, owners ofimprovodreal property. or lending institutions, (b) Thedirectives and prohibitions of the 1973 Act require implementing rules only as 10 transactions that involve
improved real estate located in special flood hazard oreas designated byFBMA on its F1oodHazardBoundary Maps and Flood insurance Rate Maps, and whose Zone desiguations are A or V. Jm.
proved real estare, for purposes of the 􀁡􀁣􀁾􀀠is property on which there is a1reody standing, or in the course of construction. a walled and roofed boilding insurable under anNFIPfiood
insurance policy. (c) Inasmuch as Ille NFIP does not insure land and provides provides coverage only for buildings, the fact that part of the borrower's real property may be located
in a special flood hazard area 9 
Mandatory Purchase of FlOod Insurance Guidelines Federal Emergency Management Agency does not require that flood insurance be 􀁰􀁵􀁲􀁾􀀠of statutOIy restrictions or underwriting rules
chased for. building located on lhatrcal propof the the NFIP. The consequences of !he F.wmp1e2 erty unless some pordon of Ibe building itself, unavailability of flood insurance in such
inFLOOD INSURANCE COVERAGEICOSTSand not just a portion or portions of the real stances will be discussed forther along. FORproperty, is located in a special flood hazard CONDOMINIUMS
IN MULTI-sTORY Bu1LDlNGS area. CURRENT lNDlVlDUAL DWELLING POUCIES(d) Becauselbe NFIP and its flood insurance C. APPLICATION OF THE 1973 VERSUSpolicies are"not available in comrmmities
t.hat ACT TO FEDERAL NEWCONDOMlNlUM MASTER POUCYare not participating in the NFIP, the mandaOFFICERS AND AGENCIES tory flood insurance purchase requirement (R(fJr.tk;, Progl'Mt. 􀁐􀁾􀁆􀁬􀁉􀀯􀀮􀁍􀀠('o
rnl.rW;'tfun. ZoiwsAl..JO, U,..'tM Fh»rAI8FE)appJiesonly wilbrespect to property located in 1. FEDERAL AGENCIES DEFINED special floodhazard areas in cornmunitiesp"" FederalAgenciesaredefinedinSeclJ.o
n3(a)(2) CUR!iU:;l\'T SEW CQNOO:\II:-;JIDI ticipating in Ibe NFlP. DWELLISC rouc\:' MASTER POLICYof the 1973 Act (42 USC 4OO3(a)(2). as "any I""'"" 􀁉􀁌􀀧􀁩􀀢􀁦􀁬􀀮􀁉􀁬􀁾􀁊􀁉(e) As toprope:rties
located outside Ibespecial deparlment, agency, oo.tpOralion.oro ther entity • .... MT. OF COVERAGElUNIT S1ll.000 S70.<m S70.iXXl flood hazard areas, and whose z"ne designa. or instrwnentality
of the executive branch of • NO, OF UNITS 100tions areB. C,X. or D,!he 1973 Act does not !he Federal Government, and inclodes !heFed• .... MT, OPCOVERAGElBLD(t $7 MILLION 􀁓􀀱􀁍􀀡􀁌􀁌􀁬􀁏􀁾􀀠$1MILLIO
Napply and. Iberefure. Ibere is no mandatory eral National Mortgage Association and !he !Iood insurance J'Ul"hase requirement. Federal Home Loan Mortgage Corporation". • RATES S.lO/.OO
􀁓􀀮􀁬􀁾􀀯􀀮􀀰􀀶D.P._Sir1gle.Fam;!y(I) Lenders are free to consider requiring flood C.M.P.-Other Raidemi;ll 400 x 1i .30 '" 5120 !.ISO x 5 .)S .. S ..;o} Single Family 300 X S .06 =
18 68.850 ); 5 JJ6 .. S 4.UIinsurance: in aparticipating oommmtity on the 2. APPLICATION OF THE 1973 ACT basis of Ibeir own business judgment, even if IN COMMUNITIES THAT ARE • PREMIUM-UNITfBLOO.
$138 5 4,S}.I. Ibe building Ihat is the security for a loan is PARTICIPATING IN THE located outside of. special flood hazard area. NATIONAL FLOOD INSURANCE • EXPENSE CONSTANT s.l5!UN1T
S "51 BLDG.While !he mandatory flood insurance pur. PROGRAM • TOTAL PREMIUM/UNIT S 183 5 4J,79 chase requirement applies only to properties 'The first application of the mandatory flood
locatedinspecial flood hazard areasof partici. • NO, OF UNITS XlOO "IAinsurance J'Ul"hase provision ofthe 1973 Actpating conununit.ics, it is important to rememis contained in Section
102 􀀨􀁡􀁾􀀠42 USC .. TOTAL PREMIUM/BLDG, S 18.300 ber that flood insurance is available through· 1i 4,519 4012o(a). which addresses the responsibility out participedng communities.
This is espe.• DEDUCT!BLE-UNIT/BLDG. ssooruNrr 1< 100 􀁾􀀠S􀁾􀀢􀁯􀁯􀁊ofFederal officers and agencies in approving S "" cially signiftcant in light of the fact that, hisfinancial assistance
for acquisition or t..'Ontorically. the NFIP's loss ratio indicates that S!ruction purposes foruse in any special floodone-third of claims paid have actually been hazard area in communities
that are 􀁰􀁡􀁲􀁴􀁩􀁣􀁩􀁰􀁡􀁴􀁾outside of special flood hazard areas. Areas ing in !he NFIP. A community pe:rticipates in where lenders and properly owners may wish .. NgT;;iAVINCSInENEflTTOTHEASSOCf
ATlOX • ANNUAL 􀁐􀁒􀁅􀁾􀁉􀁬􀁕􀁍􀀠S!},?::l!he NFIP by entering into an agreement with to exercise additional caution include. but are LOWER DEOt;CTIBLf fthe FIA to adoptandeoforceonlinanees
which not limited to, areas subject to flooding due to lNCREASEDCOVF,RAGEare designad to reduce !he vulnerability of ATNOADDlTIONALCOST S 􀁾􀀹􀀮􀀱􀀰􀀰stonnwater. areas where the NFIP
has used property in !het comrnuni.ty to the peril ofapproximate methods to map flood hazardar· BOARD fiDUCIARY RESPONflooding. Inretum for that perticipation. most SIBIUTY MET eas.
and the moreremore areas where no flood owners of residential and commercial prop" ;o.'ET nE:<O'EflTTOTIlE PRODt..:cERlWYOCO:\IPA..'>Y • ONEAPPLICATlONFOR!l.Ihazard areas have been designated
by FEMA. erty in that community become eligible to .. ONEPOUCvTo facilitate !he purehase of flood insurance • ONE DECLARATIONS PACEpurchase flood insurance for !heir buildings .. ONE
seT OF NOTICESoutside of special flood ward at.... in Janu· from the NFIP. Ifthe community is participetary. 1989. !he NFIP began offering a low cost ing in !he NFIP, that participation
makes flood "preferredrisk" policy for structures located in insurance available to the property owners inZones B. C. and X. CONDO 14 January 1989 !hat community and Federal officers
and agenSome properties in a participating conununity cies are authorized to provide financialassismay be ineligible for flood insurance because tance in that community. 10 39 
Mandatory Purchase of Flood Insurance Guidelines Federal Emergency Management Agency But, under Section 102 (a) of the 1913 􀁁􀁣􀁾􀀠Thus, if a boilding is shown as being in a ExcmpIeJ
Federal officers and 'Illencies are prohibited special flood hazllId area, the purchase refrom providiog fmancialassistance unless the quirements of the 1913 Act apply. When theFLOOD
JNSIJRANCE COVERAGE/COSTS property to which that financial assistance is property owner obtains a Letter of Map FOR CONDOMINIUMS IN MULTI-STORY BUILDINGS applicable is proll:Cted by
flood insurance (if Amendment or Letll>r of Map Revision, he the particular property is eligible for flood inmay submit the letter to the Federal agency CURRENT INDMDUAL DWELLING 􀁐􀁏􀁕􀁃􀀡􀁅􀀮􀁾􀀠su
rance under the rules of the NFIP) and must. and the Federal Agency may release the propVERSUS therefore, require the purchase offlood insurerty owner from the obligation to purchaseNEW
CONDOMINIUM MASTER POUCY ance as a condition of making such financial flood insurance. However. even though a 􀀨􀁾􀁵􀁬􀁣􀁲PmglWl'l, Prf·FlRM 􀁃􀀼􀁬􀁦􀁜􀀬􀀡􀁬􀁬􀀧􀁬􀁉􀁲􀁊􀁩􀁍􀀮􀁾AJ assistance
available. The term "property" to Federal Agency is not required to compel the which the mandataty flood insurance purpurchase of f100d insurance with respect to CliRRE!i'T 􀁎􀁅􀁗􀁃􀁏􀁓􀁄􀁏􀁍􀁉􀁾􀁬􀁬
􀁪􀁪􀁉􀀮􀁬􀀠chase requirement applics is described as 'tthe improved real property that is subject to a DWELUto.'(; POUCY MASTER POLICY buildiog or mobile home and any personal letterof
map amendment or map revision, the (£mtn(].tf:J)􀁾􀀭􀀢􀀠• AMT. OF COVERAGE/UNIT 510.000 Sm.COO S70,(0) property to which such fmancial assistance reAgency has the discretionary right
to con100 lates", The flood insurance must remain in tinue to require flood insurance iftheAgency• NO Of UNITS force "during the anticipated economic lire of cbooses to do so. It must
also be keptinmind• AMT.OfCOVERAGElBLDC. 51 MILLION S1 MILUON $1 MILLION the project" and the insurance coverage must that when a property owner with property • RATES $,$,55t.i7 S.5St.l1
be "in an amount that is at least equal to its below the 100 year flood level builds an D.P,-Sillgie FilI'I'llly developroent or project cost (less estimared C,M,!,,-OWrRo;::;idCJ\lull
400 x S 􀀬􀀵􀁾􀀠"" sno USCxS.5S."S 633 elevated building whose lowest floor is above 5ingh!Family :)COx$,11", ,. 6U:SO x S 11 n sn:ros land cost)or to themaximumlimitofcover'llle the
100 year flood level, there is no basis for made lIVallable under the National Flood inthe issuance ofeither a letter of map amend• PREM!lJM-UNrrmLDG, $271 Sl2.:m surance Act of 1968,
whichever is less." (But ment or map revision and the flood insurance • EXf'ENSECONSTANT $tS!UNIT S .15f nole that when the amount of flood insurance purchase requirement continues to
apply. BLOG, that can be purchased was raised by the Con· The reason for requiring the insurance is that .. TOTALPlUJdlUMIUNIT $ 316 512.3$3 gress in 1977, a statutory cap on the amount
the foundation on which the house is elevatedthat must be purchased was established by the .. NO. Of UNITS X 100 NIA is still below the base flood elevation in the special flood hazard
area where it remainsCongress.) • TOTAL!'REMIUMIBLOO. S Jl.600 SIUS) Cl<pOsed to the action of floodwaters. 3. EFFECT OF LETTERS OF MAP .. DEDUCTrBLE-UNITflH.OO, 􀁾􀁴􀁬􀁎􀁲􀁲􀀠x 100
"" S SCHm , lOO AMENDMENT AND MAP REVISION UPON PURCHASE REQUIREMENT 4. WHATIS "FINANCIAL ASSISTANCE?" Questions are frequently asked conooming buildings that are located on ground that
is Federal "fmancial assistance" and federal • NET SA VHiG5!8£NEFlTTO THE ASSOCIAliON • ANNUAL PREMIUM S19.211 shown as being in a special flood hazard area. "financial assistance for
acqUisition or COnLOWER DEDUCTIBLE j but that is actually above the 100 year flood struction purposes" are defmed in Sections :3 lNCRs;AS EO COVERAGE level. As noted above, under Section
A 4., (a)(3) and (4) ofthe 1913 Aet(42 USC 40(3), AT NO ADDITIONAl. COST S ..1\1,500 there are procedures under which a Letter of "Financial assistance" is defmed as any "loan. .. BOARD
fiDUCIARY RESpON· gtant. guaranty, insurance, payment, rebate, SIBILITy MET Map Amendmentor a Letter of Map Revision subsidy, disaster assistance loan or grant, orcan be obtained which
will take the particular• NETBEt':JWITTOTHEPftODt;CERIW'\,OCO::>OIPA:W ·ON'EAPf'LlCAT[ONfORM anyotherform of director indirect Federal as·ONEPOuCY portion of real property and the improvements
.. ONE DECLARATIONS PAGE sistance.otherthangeneralorspecialrevenuethereon out of the special flood hazard area . • ONE SET OF NOTICES sharing or formula gtants mada to States." However,
it is importmt to keep in mind that and similar forms ofdirect and indirect assis· until aproperty owner has received a Letter of tance from Federal agencies, such as FederalMapAmendmentoraLetterofMa
pRevision, Housing Adurinistraticn or Vet<.-rans Adminiremoving the improved real property from theJanuary 1989 CQ1,1)O 13 stration loans, insurance or guaranties. Fedspecial floodhaz.ard
area, Federal agencies (as eral "financial assistance fur acquisition or well as lenders regulated by Federal instruconstruction pmposes" is defmed as "anymentalities) must rely only
upon flood hazard formoffmancial assistance which is intended boundary maps and flood insurance rate maps. in whole or in part fur the acquisition. con38 11 
Mandatory Purchase of Flood Insurance Guidelines Federal Emergency Management Agency stroction, reconstruction. repair. or irnproveration of the DepartmentofHousing and Urban mentaf
onypublicly orprivatclyawned buildDevelopment have intetpreood the term "fi· ing or mobile home, whether or not the buildnancial assistance" to include their purchase of ing is enhanced,
and for any machinery. equipmortgage loans from lending institutions and . ment, fixtures, and furnishings contained or to include in their definition ofhazard insurance, becontained
therein. andshall include thepurthe poril of flood. It should be noted that the chase or subsidization of mortgages or monservicing guidelines of FNMA and PHLMC gage loans." require
tharthe cummtservicerofloans sold to those agencies asoumeresponslbiJity for floodFederilAgencies. such as the FederilHausing insurance renewals. The term Fedoral finan· Administration.
the Veterans Administration cial assistance inc1udes loans, grants. 􀁧􀁵􀁡􀁲􀁡􀁮􀁾and the Small Business Administration and lees and similar forms of direct and indirectthe Federal National
Mortgage Association assisrancefromFederalagencies such as HUD,(FNMA) and the Federal Home Loan Mortthe Federal HOUSing Administration (FHA)gage CO!pOtation (FHLMC), the latlllr two
and the SBA. The 1973 Act applies and thushaving been specifically included in the defi· reslricts flood-related Federal financial assisnition containedin Section 3(aJ(2)of the 1973
tance p1lIl>uant to the Disaster ReUef Act of Act, are forbidden by the Act from approving 1974. However, the current defmition of fi· any financial assistance in the form of a loan
or nancialassistancecontainedinSection3(a)(4)guaranty of a loan in the case of a building to of the 1973 Act docs not apply to and, there·which such financial assistance relates which
fore. does not restrict assistance for disastersis located in a special flood hazard area unless that are not related to flooding.flood insurance has been purchased to protect that building
against the peril of flooding, therebY protecting the interests of the Fedoral ernity against the consequences of flood 5. HOW MUCH FLOOD INSURANCE damage to the property. IS AVAILABLE?
The Federal National Mortgage Association The amounts of flood insurance currently and the Federal Home Loan Morlgage Corpo-avai1able under the NFIP are as follows: EllHlrgency _ ....
Reguhlll'Rlg.... MaxIRIJm MaxIRIJm _III of Inwrance rnsurance A••llable Rm'lred by19 Act. as Building Coverage Amended In 1977' 􀁓􀁩􀁮􀁧􀁬􀁥􀀭􀁬􀁡􀁭􀁩􀁾􀀠dwelling $35,000 $1115,000 $
70,000 OIher resideniaJ 100,000 250,000 200,000 Non-residential 100,000 200,000 200,000 Small B!Jsinoss 100,000 250,000 200,000 Cont••ts Coverage (Pe, Unh) Residential $10,000 $60,000
$20.000 Non·Rosidenliai 100,000 200,000 200,000 Small Business 100,000 300,000 200,000 􀀨􀁈􀁾􀁨􀁥􀁲􀀠Imils of basic cover;ag. ill1l available under Ihe Em9lllenty ProgrlllTl in Hawaii,
Alaska, U.S. Virgin Islands, and Guam.) 'FederaJ Ioslrumen1lllilills, as well as lend."" while nol required by statulS, may choose to rfJqUire insurance a!:oyo 􀁴􀁨􀁾􀀠amount on !he
basis of their evaluation of the risk to whicl1lhe properly is exposed. 12 NATIONAL FLOOD INSURANCE PROGRAM APPLICATION TO CONDOMINIUMS FLOOD INSURABLE COVERAGE QWNERSHIP INTERE,.'2T
AVAILABLE PROPERTY/LOCATION Within Unit Unit Owner 􀁁􀁾􀂧􀁑􀁣􀁩􀁡􀁴􀁩􀁯􀁮􀀠Unit Owner Association Unit 􀁾Association air space wall, floor and ceiling coverings. improvements and betterments
Y N Y N N N Y N N Y5 N Y6 common structural elements N Y Y5 Y Y5 Y6 cantents Y N1 Y Nl Y N7 Outside Unit Common Structural elements of all buildings owned bY Association Y2 Y3 Y Y Y5
Y Common Areas (non·structura1) Common contents Y2 Y2 Y3 Y3 N4 Y N4 Y N4 Y N4 Y NOTES, (1) Except when contents of unit are commonly owned. (2) The unit owner owns a proportional share
of the total common elements. (3) Ownmhip divided proportionally amongst all unit owners, (4) NFlP covers uniy buildings and their contents. (5) The Dwelling Policy covers both the unit
owner's insurable interest in in structural elements of the unit as well as those for all the common structural elements of the NFIP insured buildings. This policy may be purchased by
cither the unit owner or the association. Associations may, in certain cases. also purchase a Condominium Master Policy. which gives similarcover.ge of both units and common elements.
(6) Only the association may purchase aGeneral Property Policy. Itcovcrs all comrnonstructural elements of the building, including those within a unit, to the extent that adequate amounts
of coverage have been purchased. This would include the improvements and bettennents withinthe units. (7) Except when the association owns the contents in a unit as common property.
For more detailed information on the condominium concept, see the four ex.amples and descriptive exhibits which follow: 37 
Mandatory Purchase of Flood Insurance Guidelines careful to assure that the amount of coverage purchased will be sufficient to meet its regulatory requirements. It will be easier for
this to be the case because this policyis acompi1ationof individual DweUing policies. Therefore. because the coverage limits available under the Condominium Master Policy are $1 85,000
times the number of units. the association may purchase up to that amount. 'The simplest way for a lender to becertain that the coverage on such apolicy is sufficient is for the lender
to divide the coverage purchased by the nntober of units in the bailding. If the resulting amount is at least $70,000, and the valueof the averageunit is atleast that amo1.mt., then
the total coverage 􀁰􀁵􀁲􀁾􀀠chased under that policy is probably sufficient to meet the Jenderls basic requirements, on the basisofthestatutory cap of $70,000.· IF SUFFICIENT AMOUNTS
OF FLOOD INSURANCE ARE PURCIlASEDBYTHE ASSOCIATION UNDER OPTION (C), THIS MIGHT BE THE BEST OPTION FOR A LENDER TO CONSIDER, AS IT WIll., BE TilE ONE MOST UKELY TO FULFIll., THE MANDATORY
FLOOD INSURANCE PURCHASE REQUIREMENTS. SINCE IT IS UKELY THAT IT WIll.. BE HANDLED ADMINISTRATIVELY BY THE ASSOCIATION IN THE SAME MANNER AS IN THE CASE OF TIlEIR OTHER FORMS OF PROPERTY
INSURANCE. IT SHOUW ASSURE A HIGHER UKELIHOOD THAT THE ASSOCIATION WIll., RENEW TIlEPOUCY. '" In this connection itshould be noted that $70,000 is the maximwn amount of insurance required
for single-family residential dwellings by Section 1306(b)(6) of the 1968 Act (Section l413(b)(6) of Title 42 USC), which on October 12, 1977, modified the language of Seedon 102 of
the originell973 Act, which defined the purchase requirement as being Hat least equal to theoutstandingprincipalbalance of the loan or themaximumlimitof coverage made available with respect to this particular Iype of property under the [1968] Act, whichever is less." 36 Federal Emergency Management Agency 6. HOW MUCH FLOOD INSURANCE
times these amounts, namelyI $70,000 for MUST MUST BE PURCHASED? single family dweUings, and $200,000 for other structures.Inaddressing the question of how muchinsuronce must he purchased,
Section lO2(a) ofthe 1973 Act prohibits the providing of financial 7. ARE THE AMOUNTS OF FLOOD assistance "unless thebuilding ormobilehome INSURANCE THAT MUST BE andanyporsonalproportytowhichsuchfina
nPURCHASED ALWAYS THE cialassisrancerelates is. during the anticipated SAME, REGARDLESS OF WHICH economic or usofullife of the project, covered FEDERAL AGENCY OR by flood insurance in
an amount at 1eastequal INSmUMENTALITY IS to its development or project cost (less estiRESPONSIBLE FOR ENFORCING mated land cost) or to the maximum limit of THE FLOOD INSURANCE coverage
made available with reapect to the PURCHASE REQUIREMENT? particularlype ofproperty under theNationel Inthe exercise of its statutory responsibilities,Flood Insurance Act of 1968, whichever
is the Small Business AdminislIation has madeless: Provided. That if the fmancial assistance an interpretation of the statutory provisionsprovided is in the form of a loan or an 􀁩􀁮􀁳􀁵􀁲􀁾􀀠cited
above and requires insurance up to theanceor guaranty of aloan, the amount offlood value of aproperty. or the maximum amountinsurance required need not exceed the outof insurance that
can be purchasedt 􀁷􀁨􀁩􀁣􀁨􀁾standingprincipalba1anceoftheloanandneed ever-is less, regardless of the actual amoWltofnot be required beyond the tenn of the loan" . the loan. In this
way, the borrower becomes However, on October 12, 1977, the require. more-fully protected against theperil offloodment that insurance he porchased to "the ing. While the Act does notrequire
insurance maxirnwn limit of coverage made available" to value, a practice nonnal in property 􀁩􀁮􀁳􀁵􀁲􀁾􀀠under the 1968 Act was ",vised and made ance, neither does it prohibit it.
and SBA bas subjecttoastatutorycapby Section !306(b)(6) used its authorit¥ to align the treatment of of the National Flood Insurance Act of 1968, flood insurance with the standard treatment
(42 USC 4013(b)(6)), which states: "the Flood of other ha2Jlrd insurance. insurance purchase requirements of Section The basic amounts of insurance required by102 of the Flood Disaster
Protection Act of statute are discussed above in Section C.5. of1973 do not apply to the additional flood these guide1iues. Some of the Federal ageninsurance limits made available in
excess of cies, however. such as the Federal Nationaltwice the limits made available under 􀁰􀁡􀁲􀁡􀁾􀀠MortgageAssociation(FNMA),haveadoptedgraph tl06(b)(I)". different requirements
to protect their interSection 1306 (b)(l) authorizes the Federal ests. The FNMA requires. "the amount of Insurance Administration to make available flood insurance to be equal to the
lesser of under the lower limits of the Emergency Pro100% of the insurable value of the (condogram $3S,OOOofcoveragefor any singlefamily minium) facilities or the maximum coverage dwellingand$100.000
fur any residential slnlcavailableunderthe appropriate National Flood ture containing more than one dwelling unil Insurance Administration program...... Thus, (In the States ofAlaska
and Hawaii and in the ror a lender to be absolutely sure that it is Virgin Islands and Guam the figures are complying with the specific requirements of $50,000 and $150,000). Seedon
1306 (bXl) the Federal agency that regulates. supervises makes available $100,000 for commercial or insures that institution, it should carefuHy structures. Thus the maximum cap on the
review the requirements of such agencies or mandatory flood insurance purchase requireInstrumentalities and not rely solely on these ments provided by Section 1306(b)(6) is two guidelines.
13 
Mandatory Purchase of Flood Insurance Guidelines In those cases where the amount of the loan or the insurable value of the property ,,"ceeds the stawtorily required amoWlt of flood insurance,
it would seem to be a wise business ptactice to encourage the purchase of enough flood insurance to protect the interests of both the mortgagor and themortgagec, to the extellt !hatsuchinterestscanbe
ptotected, bythecoverages under the NFlP. 8. RESTRICllON ON FEDERAL RNANCIAL ASSISTANCE BY FEDERAL OFFlCERS AND AGENCIES IN COMMUNITIES THAT ARE NOT PARTICIPATING IN THE NATIONAL FLOOD
INSURANCE PROGRAM Section 202(.) of the 1973 Act (42 USC 4106(a» addresses the responsibility of Federal officers and agencies with respect to Federal flllilIlclal assistance in arcas
of sproial flood hazard of CO!lUlllll1itics that are not participating in !he National Flood Jnsu:rance Program and in which flood insurance is not available. In order to prevent the
Federal government from being financiaily exposed to potential 10.. as a result result of flood damage to uninsured buildings located in areas of special flood hazard, Federal officers
andageneies are spceifieallyptohibitedby Section202(a)from providing financial assistance fot acqoisition or construction purposes, fur use in areas of special flood hazard if the commwrlty
is not patticipating in the NFlP. Section202(a), rcadby itself. has a very broed scope. for its prohibition refers to any assistance for acquisition or construction purposes that would
be used in any special flood hazard area.. 􀁈􀁯􀁷􀁥􀁶􀁥􀁲􀁾􀀠read in conjunction with the definition of fmancial assistance (X)ntained in paragraph (4) of Section 3<>f the 1973 Act,
as discussed above, it becomes clear that Section 202 (a) limits financial assistance to "fmancial assistance which is intendedin whole orin part for the 􀁡􀁣􀁱􀁵􀁩􀁳􀁩􀁴􀁩􀁯􀁮􀁾􀀠construction.
􀁲􀁥􀁣􀁯􀁮􀁳􀁴􀁲􀁵􀁣􀁾􀀠tion, rcpair.otimptovementofanypubliclyor privately owoedbuilding ormobilebume, and for any machinery. equipment, fixtures. and 14 furnishings furnishings contained
or to be contained therein". Thus. for example, Section 202 (a) does not prevent financial assistance: for the construction of roads and bridges in special flood hazard areas of nooparticipating
commwrlties. But it does ptohibit assistance for constructing any building. This ptohibition applies even ifthe building would not have been eligiblefor flood insurance had it been located
inaparticipating community. as in the case of a building thet is partially underground and used as a pumping station in a sewer system. The ptOhibition against providing financial assistance
in nonparticipating communities. therefore, is based not so much upon the fact that the protection ofNFlP flood insurance is not available innonparticipating communities as ir i. to
the fact that !he commwrlty has not agreed to mitigate !he hazard of flooding through floodplain managenwnL D. APPLICATION OF THE 1973 ACT TO FEDERAL INSTRUMENTALITIES AND TO PRIVATE
LENDERS WHO ARE SUBJECT TO THEIR JURISDICTION Of special significance to Federal Instnnnentalities and the leoders regulated by. or whose deposits are insured by. the Instrumentalities
is the second area to which the 1973 Act applies in Sections 102 (b) and 202 (b), which address conventional loans by such lenders, as distinguished fromFederalfinanciai assistance.
1. IN COMMUNITIES THAT ARE PARTICIPATING IN THE NATIONAL FLOOD INSURANCE PROGRAM AND WHERE FEDERAL FLOOD INSURANCE CAN THEREFORE BE MADE AVAILABLE (a) Instrumentalities defined The tenn
"Federal Instrumentality" is defined inSection 3(a)(5) of the 1973 Act Federal Emergency Management Agency theirmartgagelendersinmeetingthemandatoryt flood insurance purchase requirements.
Mortgage lenders should reali"" however, thatitwould be impractical 􀁴􀁯􀁥􀁾􀁴􀀠that every mortgagee with an interest in one ormorewrltsinsuch buildings will be able to be listed as
such on the CMP. Associations thetpurchasethispolicy inmost cases do not have a mortgage on the property. and tlrerefore would have no reason to list mortgagees on such policies. Other
propertyinsurance policies purchased by associations inthe private sector toprotect soch buildings against o!her perils. typically. do not list mortgagees for the above reason, as well
as 􀁾􀁡􀁵􀁳􀁥of the practical aspects of !he diffICUlty the insurers would have in Ireoping current with the names and addresses ofaIIsuchmortgagees. Thus. the protection that exists
fot the interests of the mortgagees on their mortgages in condominium buildings under Master Policies purchased in the private secll>r has always had 1l:> consist of the fiduciary responsibility
!hat is placed on the association's Board of Directors in the ByLaws of'the associations for imuring the property and maintaining the property in a proper state of repair. 10. Non-Residential
Coverage -Condominiums Individual wrlts in multi-unit nonresidential condominium buildings are treated differently by the NFlP. The conunonly owned sln1ctural elements of such buildings.
togetherwithanycommwUtyowned contents for that building. may not be insured by the individual wrlt owners. They may. buwever. be insured in the name of the association. Owners of nonresidential
units may purchase individual contents coverage in their own name for their own contents. 35 11. Coverage Options -For Lenders (a) Individual Dwelling Policies -A lender can require
the borrower to purchase and maintain an individual Dwelling Policy for the approptiate 􀁡􀁭􀁯􀁵􀁮􀁾􀀠as discussed previously. (b) Generajl'ro.Jlerty Policy-Alender might accept evidence
of a General Property Policy purchased by !he association. However. as mentioned previously. the coverage limits avAilable under this policy are only $250.000. and that amount is the
total for the entire building. It is therefore unlikely that !his will be .ufficientinsmance to cover all mortgages in the building. Even though suchanamount might appear to be sufficient
to cover an individual mortgage, its RCmal ability to provide protection with respect to that mortgage will have to be significantly reduced at the time of loss, as: any benefits arising
out of that coverage will be shared withallofthe other wrlt owners in that building. regardlessofwhetherornot!heyhave a mortgage. NOTE: LENDERS SHOULD BE CAUTIONED THAT THEY SHOULD NOT
ACCEPT EVIDENCE OF TfIlS POUCY AS AUTOMATICALLY FULFIlliNG THEIR STATUTORY REQUIREMENT WITHOUT FURTHER REVIEWING THE POUCY'S DETAILS AS TO THE AMOUNT OF COVERAGE BEING PROVIDED EACH
UNIT IN THAT BUILDING. (c) Condominium Master Policy. A lender could accept evidence of this policy being purchased by the association to meet the lenders regulatory requirement. The
lender should be 
Mandatory Purchase of Flood Insurance Guidelines The unit owner's policy described above will cover the owner's personal contents. such as furniture, but only if separate contents coverage
is purchased by the unit owner. 8. Residential Coverage -Condominium Association However, inasmuch as the unit owners collectively have the responsibility of repairing the common elements,
the 􀁣􀁯􀁮􀁾􀀠dominium association has been the tradi· tionallogieal entity to be the purchaser of flood in,rurance. By insuring the overall condominium structure, the Association can
reduce the li.keJ.ihood that it will have to assess unitownersfor funds with which to make repairs. A condominium association may, in atidition to purchasing policies on each individual
unit, purchase insurance coverage on a residential build. ing containing five or more units under a separate General Property Form. The policy will cover building cornmon ele· ments
as well as the building elements (improvements and betterments) within all units in the building. The reason that condominium 􀁡􀁳􀁳􀁯􀁣􀀺􀁩􀁡􀁾􀀠tions had to purch",e the the General
Property Form and supplement it with separarepoHcies on the individual units is that the statute goveming the NFfP limits theamOlmtofcoverageavailab1eonrnultitmitresidential buildings
toonly $250,000, without regard to the size. value or type of ownership involvad. This has posed a problem because such an amount is in most cases NOT sufficient to meet the collective.
individnal. and statutory flood insurance reqUirements with respect to all the mortgages for all the units located in. specific building. For this reason. FIAhas encouraged lend· ers
to treat the flood insurance require-ment on individnalmortgages forindivid· ual units in buildings involving 􀁣􀁯􀁮􀁤􀁯􀁾􀀠minium ownexshlp in the same way as 34 they would for single
family detached properties. and torequire that flood.overage be purchased to protect their interests in those mortgages by having unit owners, '1!' the Association, purchase individual
Unitowners Dwelling Policies. When this practice is followed, there shoUld be every reason to believe that the mandatory flood insurance purchase requirement for lenders has been satisfied.
9. Condominium Master Policy (CMP) Under the NFlP Beginltinginearly 1989. FlAmadeavuilable to Condominium Associations, only. aMaster Policy thetprovides flood insur· ance coverage on
each residential 􀁣􀁯􀁮􀁤􀁯􀁾􀀠minium building separately, on one 􀁦􀁯􀁲􀁭􀁾􀀠in much the same way that the private sector does fmother hazards. withoutim· posing the burden of purchasing
individual policies for each unit. Initially this pelicy is being made available only for such buildings with three or morc floors andfive or more units. Inaddition to these benefits,
the cost of such a policy will in most cases be significandy less expensive than the cost of multiple individual policies. while at the same time providing even mote coverage., at the
lower price. The rationale for malting the Condominium Master Policy available at a lower cost is that by offering a more ottractive andcornprehensivepolicy, theNFfPwill be in a position
to issue more policies that will be in amounts reflecting the total value of the insured properties rather than issuing policies which cover only • fraction ofthe total value of the
properties. In insurance terminology this is referred to as realizing "more insurance to value". This should prove to bo 0 great advantage to lenders, Associations. unit owners and insurance
agents as it will provide more complete flood insurance protection for less casl.In short, in a greatly simplified fashion it win assist the unit owners and Federal Emergency Management
Agency (42 USC 4003{a)(5». as the "Board of principal balance of the loan, or to the Governors ofthe FederalReserve System, maximum limit of coverage made 􀁡􀁶􀁡􀁩􀁬􀁾􀀠the Fedaral Deposit
Insurance Corporaable with respect to the particular type of tion, the ComplIOllerof the Currency, the property under the Act. whicheveris less", Faderal Home Loan Bank Board (cur· However.
However. as noted above, on October 12. rently. Office of Thrift Supervision). the 1977. the requirement that insurance be Federal Savings and Loan Insurance Cor· purchased to IIthemaximumlimitofcove
r􀁰􀁯􀁲􀁡􀁴􀁩􀁯􀁮􀁾􀀠and the National Credjt Union age made available" under the 1968 Act Administration." was revised by Section 1306(b)(6) of the National Floed Insurance Act of 1968.
(42(b) Llgislative porpose and specific USC 4013(b)(6», and made subject to amandate statutory cap of twice the limits made TheptU'pOSe behind these Sections is soon avuilable undar
paragraph 1306(b)(1). in the Congressional finding in Seetion The specific language ofthe Act describos 2(0)(4) of the 1973 Act that" Federal very broadly the transactions that come
Instrumentalities:insure or otherwise prowithinthepurchaseprovisionsandincludesvide financial protection to banking and instances inwruchlenders "make. increase.credit institutions whose
assets include a extend, or renew any loan secured bysubstantial number of mortgage loans and improved real propert;y or a mobile home other indebtedness secured by property located
or to be located" in • specialflond exposed to loss and damage from floods hazard area of a oommuru.ty "in whichand mudslides". As noted above, the Act flood insurance has been made
available does not. by itself. require or prohibit under the National Flood Insurance Act ofactivities on the part of lenders. Section 1968"_ This also includes such transactions 102(b)
of the Act (42 USC 4012a(b» as secood mortgag.., andhomeequity loans. directs the Federal InstrUmentallti.., to adopt regulations requiring lenders sub· NOTE: IN AU OF TllESEjectto thuirjurisdiction
tocompel borrow. INSTANCES. LENDERS SlJOUW ers to purchBSe flood insurance protecting BEAWARETHAT, SUBJECT TO any "improvedreal estateormobilehome" AVAILABLE POUCY UMITS, THEYloeated
in • special flood hazard area in a HAVE THE DISCRETION TOcommunity that is eligible for the purREQUiRE HIGHER AMOUNTS OFchase of National Flood Insurance, ifthe COVERAGE THAN REQUiRED
BYbuilding. mobile horne, and any personal LAW IF THEY CONSIDER ITproperty securing such loan, is to bo the NECESSARY TO PROTECT THEsecurity for the loon. (!'he requirement FULLAMOUNI
OF THEIRonly applies if the particular property is INIERESTS. AS WELL AS THOSEeligible fofflood insurance under the rules OF THE BORROWER.of the NFIP.) (c) How much insurance must be
pur2. IN PORTIONS OF PARllCIPAllNG chased and for how long must it be in COMMUNITIES THAT HAVE BEEN force. and to whatttansactionsdoes thereDESIGNATED BY THE quirement apply? DEPARTMENT
OF THE INTERIOR AS UNDEVELOPED AREAS UNDER. The Act requires that "the building or THE THE COASTAL BARRIERmobile home and any personal proporty RESOURCES ACT (COBRA)securing the loan"
be covered I'for the te!ID of the loan by flood insurance in an WJ,ile ordinarily almost any building in a amount at least equal to the outstanding community that is participating in
the NFIP is 15 
Mandatory Purchase of Flood Insurance Guidelines Federal Emergency Management Agency eligible for flood insurance, there is one slgniflcant situation in which Congress has cho· sen to
deny residents of a participating com· munity eligibility for flood insurance.The Coastal Barrier Resources Act (COBRA). Public Law 97-348, was adopted by Congress in October of 1982
to amend the National Flood Insurance Act of 1968, as amended, by adding Section 1321 (42 USC 4028). Section 1321 prohibits the NFIP from providing flood insurance protection for structures
built or subsllmlially improved after October I, 1983, in any of the areas designBled by the Depl!lt· mentofthe Interior as an undeveloped coastal barrier. Buildings already locBled
in the deslgnB!ed areas and walled or roofed prior to October I, 1983 remain eligible for coverage. Ifa building built in a designBled area prior to October I. 1983 sustains major damage
as a result of a fire., hurricane or other causes. the restored structure would not beeligible for fIoed insurance coverage. Major damage isconsldered to bedamagein an amountof50%ormoreofthe
structute'spre-damagcfairmarketvalue.Similady, improvernents to astructute builtpriorto October 1,1983. on adesignB!ed undeveloped coastal barrier area which total50% or more of the
structure's pre-improvement fair maIket value would eliminate the structure's eligibility for coverage under the NFIP. Only the undeveloped coastal barrier portion of each community
is affected by COBRA's insurance lind18tion. The remainder of the participBling community remains eligible under the NFIP for flood insurance coverage for new and 􀁥􀁸􀁾􀀠isting construction.
The Depl!ltment of the Intt:rior was assigned the task of determining which of the coastal areas were undeveloped coastal barriers and of submitting a list to the Congress. The final
Congressional designationincluded 187 undevelopedportionsof\ 34 coastalcommunities. Additional areas are 􀁣􀁵􀁲􀁾􀀠rent.!y under consideration for inclusion in the Coastal Barrier Resowces
System. The question as to wbether any r«juircments are placed upon lenders who wish to make convemionalloanswith respect to uninsurable property on an undeveloped coastal barrier in
a special flood hazard area of • participating community is specifically IIIlSwered by Section 1321 of the 1968 Act (42 USC 4028). That section provides: "A federally insured financial
instilution may make loans secured by structures which arc not eligible for flood insurance under this title by reason of subsection (a)" Thus, while lenders would still have to notify
borrowers that the property was in a special flood hazard area, as required by Section 1364 of the 1968 Act the unavailability of flood insurance does not prevent the making of the conventionalloan.
However, the lender would be well advised to ass... the flood risk at the site and make a decision on granting the loan based on that assessment. 3. IN COMMUNI11ES THAT ARE PARTICIPATING
IN THE NAP· PROPERTY SUBJECT TO LETIERS OF MAP AMENDMENT OR MAP REVISION As noted above, there are procedures under which a Letter ofMap Amentheentor a Latter of Map Revision can be
obtained which will take the particular portion ofreal property, and the improvements thereon, out of the special flood hazard area. However. itis important to keepinmlnd that untilaproperty
owner hasreccived a Latter of Map Amentheent or Letter of Map Revision, the lender must rely only upon Flood Hazard Boundary and Flood insurance Rate Maps. If a particular piece of property
is shown as being in a specie! floed hazard ar.... the leuder is bound by the information and must apply the insurance purchase requirements of the 1973 Act in accardecce with the map.
􀁈􀁯􀁷􀁥􀁶􀁥􀁲􀁾􀀠even though a lender is not required to compel thepurchase offlood insurance with respect to improved real property that is subject to a letter of map amendmentormaptevision,
the lender has the discretionary right to oontinue to requiretlood insurance ifthe lender 16 theFederaiInsuranceAdrttinistration.This brought focus on the flood insurance avsi\able from
the FlA, as more and more the NFIP became virtually the only flood insurance available forrnost types ofresidectial property. 6. NFIP Coverage.SadsfyingLender Requlrements In one sense,
in a manner similar to that followed in the private insurance sector, the NFlP has provided two different policies, one for individual unit owners, regardless of the type of configuration
employed for their units, and another for the Associations. Unlike the private insuranc:e sector, however. the insurance policies of the NFIP can only be issued as authorized by the
National Flood InsuranceActofl968, as amended, and, consequently NFIP policies arer«juired to have various limitations and differences that distingnish them from insurance policies provided
by the private insurance sector. Most significantly, NFIP insurance polio cies are limited as to the amomtt of􀁣􀁯􀁶􀁥􀁲􀁾􀀠age that they can provide for individual unitownern as well
as for theAssociation. Again, as differentiated from the insurance coverage provided by the private sector. the NFIP's unit owner policy provides coverage for the unit owners's 􀁩􀁮􀁴􀁥􀁲􀁾􀀠est
in the common areas of all buildings "owned" by the Association. as wen as for the internal portion of his own unit. 7. ResldenlialCoverage. Unit Owner Regardless of the type of building.
residentie! condominium unit may be located in, the NFIP considers the unit to be a single family dwelling (except for the limitation ofits value to actual cash value rather than replacement
value). 'The unit owner can purchase in his own name a flood insurance policyonhis unit within a building involving condominium 􀁯􀁷􀁮􀁥􀁴􀁾􀀠ship. In addition. ifthe unit owner has
not 33 already insured that same unit. thecondominium association may separately insure a particular unit in the name ofthe owner ofrecord. specifying the unit number and the name ofthe
association, as their inlerests may eppear. This would provide the same kind of coverage as could be purcbased individually by the unit owner. Such a policy will cover the improvements
and bettennents the unit owner has made within that unit. It will also respond to assessments levied upon the residectinl unit owner by his condominium associaw lion for flood damages
which occur inthe building in which theunitownerresidesas well as the sttuctural and or common elements of other buildings owned by the condominium association for the repair of which
he may be subject to assessment However. because the NFIP policy does not cover lawns, parking lots, sidewalks and other improvements away from the building, the portion ofany assessment
at· Iribu18ble to damage to such items would not be covered under an NFIP policy. Insurance policies covering an individual residential unit are available in llll10unts up to the lindts
of coverage, and at the rates available, for a "single family" dwelling, ragardless of the type of building in which the unit is located. Butitmust be noted that only those residential
condominium units that are separate structures or are)ocated in .l.l.lOwnhouseorrowhouse configuration are eligible for replacement cost coverage. However. coverage is available to mvners
of units in other types of buildings, includ· ing high rise corulominium buildings, on an actual CJ!Shvalue basis. Building coverage under • unit owners policy applies firsttohisorher
irulividually owned building improvements and bettennents and, then, to the damage to the boilding's overall common elements. which ate the unit ownclsresponsibility and for which he
or she is subject to assessmenL 
Mandatory Purchase of Flood Insurance Guidelines Federal Emergency Management Agency partition walls, tubs. toilets. sinks. counter areas.. etc. H a flood damages one or more units in.condominium
building, and the individual unit owner of a damaged unit sustains damage to the improvements and botteIments within his 􀁵􀁮􀁩􀁾􀀠he is not entitled to fmancial assistanoe from his
fel· low unit owner.; as to such property and mustlook to his own insuranceproteclion. But uniike the owner of a detached indio viduallyownednon·condominiumhome. he is not primarily
responsible for repair. ing the eommon elements in whichhehas an undivided 􀁩􀁮􀁷􀁲􀁥􀁳􀁾􀀠such as building walls, roofs. flo"",. stairways, lobbies. lawns, parking lots. sidewalks.
and rec· reational facilities. Because of the multiplicity ofthese ownership interests. a eondominium association is typically the cotporate entity responsible for the operation. maintenance
and repair of a condominium. Its memilen;hipis made up of the condominium unit ownen:, all of wlIDm colleetively have an obliglllion to each other to maintain and repair the commonly
owned property. This specific obligation is customatily authorized and spelled out in the by-laws of an association and is ineloded in the condominium unit owner's contract agreement
which requires each unit owner to pay a proportionate share of the amount of money nceded to perform mamwnance and repair. as well as other administrative and operating eltpenses, including
the building up of reserves. They are usually collected monthly in order to provUle a dependablesourceof operating fonds for the association. The by-laws and unit owner's agreement will
also confer upon the Board of Directors of an association the authority, following loss or da.mage to the conunon elements. to levy special assessments, as necessary. to provide for
the repair or 􀁲􀁥􀁾􀀠construction of loss or damage to the conunon elements. Thus, the funds for 32 repair and/or reconstruction can be obtained from the association·s own funds and
from the proceeds from claims filed against insurance policies and/or assessments levied against the individual unit owners. 4. Peril ofFlood Traditionally, the peril of flood was covered
in the Difference in ConditiOTts pollcies mentioned earlier. AssociatiOrul that wished even more complete protection against the peril of flood than these pelicies offered. 􀁩􀀮􀁥􀀮􀁾􀀠coverage
for the deductible. would also purchase a policy under the NFIP for each building in the floodplain. The motivation for such purchases stems from the fact that Associations have the
responsibility to purchase insuranoe in general to protect their property. Thus, it was not driven by leader's insurance requirements placedonindividual unit owners. However, those requirements
were nonetheless able to be satisfied by that broad policy DOverage purchased by the ssociation. As a result of this, few individual f10ed insurance pelicies were purchased under the
NFIP covering the individual mortgages issued by lenders for units involving condominium ownership in buildings located in flood hazard areas, as such coverage was evidently deemed by
lead· ers to bo unnecessary and possibly dupllCaf:ive. 5, Cbanges In Ibe market place In the mid 1980's. conditio"" in the propertyinsurance market changed. however. resulting in insurance companies either not cominuing to offer such broad based coverage at all or continuing to offer such coverage. only on a much
more limited basis and virtually without any protection from the peril of flood. At that time AssoCiations, insurance agents. and lenders began to bring the issue to the attention of
chooses 10 do so. When aproperty owner with property belowthe 100 year flood level builds an elevated building whose lowest floor is above the 100 year flood level, there is no basis
ror the issuance ofeither 3 letter nf map amendment or map revision and the flood insurance purchase requirement continues to apply. because the foundation supporting the elevated building
in the special flood hazard area is still below the base flood elevation where it is exposed to the action of the water. However, premium levels may reflect reduced exposure to damage.
4. IN COMMUNmES THAT ARE NOT PARTlCIPAllNG IN THE NAll0NAL FLOOD INSURANCE PROGRAM It isimpertant to note that while Federal officers and agencies are still prohibited by See· tion202
(a)ofthe 1973 􀁁􀁣􀁾(42USC 41 06(a» from providing financial assistance with respect to improved real property in areas of flood hazard in communities that are not participating in the
NFIP and in which the sale of National Flood Insurance is not authorized. the making of conventional loans in such communities byprivatelenders became permissible in 1977. (a) What is
a conventional loan? Aconventionalloan is a loan by a private lender. as distinguished from ,loan by a Federal guvernment agency, that is not secured. insured or guaranteed by a Federal
government agency. Such a loan. even when made by a lender that is reguJated by or has its deposits insured by a Fedoral Financial Regulatory Agency (pederalInstrumentality), remains
aconventionalloan because the loan itself is not secured. insured or guaranteed by • Fedoral governmentageney. (b) Authority for lenders to make eonventional loans in special flood hazard
"",as of nonparticipating communities Anarnendment tothe 1973 Act(frequently referredto as ''The EagletonAmendment") containedinthe Housing and Community Development Act of 1977 (Publie
Law 95-128), delered from the Act its original Section 202(b )(42 USC 41 06(b» require. ment that Federal Instrumentalities issue regalatiOTtsprohibiting lenders from making conventional
loans with respect to propertyinnonparticipatingcommunities. Theoriginal prohibition was replaced by a new Section 202(b) which substituted in its place a notification requirement. Consequently.1ende
rs regulated by, or whose deposilS are insured by Federal InstrUmentalities may make conventional loans secured by mortgages on improved real property and mobile homes in areas of special
flood hazard in communities that are not participating in the NFIP. They may do so notwithstanding the fact that such property is not eligible for the purchase of National Floed Insurance,
and, thus. the mandatory flood insurance purchase requirement does not apply 􀁷􀁩􀁴􀁨􀁲􀁥􀁾􀀠speet to such loans. However. lenders should carefully evaluate the underwriting risk involved
in making such loans. (c) Requirements for notification to the bormwer ifimproved real property that is the security for the loan is in • special f10ed hazard area. The notice requirements.
by their specific language, apply only when improved real property is the security for a loan. The requirements do not apply to unsecured loans or to loans secured by improvedreal property
that is not located in a special flood hazard area. While the Housing and Community DevelopmentActof 1977 removedtheprohibitionagainstmakingconventiona11oans in nonparticipating communities,
the "notice"provision. which is the current Section 202(b) of the Flood Disaster Protection Act of 1973, requires the instrumentalities to compel leaders to notify borrowers as 10 whether
Federal 17 
Mandatory Purchase of FlOod Insurance Guidelines disasterreliefwillbe available to thepropJUDGED IN CONSIDERING ITS erty in the event of a disaster caused by DETERMINA110N AS TO flood.
For theronvenienceoflenders, FlA WHETHER A STRUCTURE IS OR has drafted 0 notice fonn. FBMA FoIlll IS NOT IN AN AREA OF SPECIAL 81-2. FLOOD HAZARD? An additional requirement, mandated
by (a) Significance of the location of the Section 1364 of the Nolional Flood Insurstructure aru:e Act of 1968, as ameoded. (42 USC Aspointedoutabove, themandato!y flood 41(40), directs
the Instl"ll!nmtalities to insuraru:e porch ... requirements of thecompel lenders to notit'y the purchaser or 1973 Act apply only whate improvedreallessee of the improvad real properly
or property. 􀁩􀀮􀁥􀀮􀁾􀀠a structure. is located in amobile home in writing of the special special flood hazard area in a commurtityflood hazard to which the property is exthat is participating
in the National Flood posed or obtain satisfactory assurances Insurance Program. Such. stnIctur. must that the seller or lessor has so notified the be insurable under the NFIP, and underpurchaser
or lessee. These notifications NFIP rules an insurable "structure" means are to be made "a reasonable period in adany walled end roofed improvement prevanceofthe signing of the porchase
agreedominately above grooed or in the course ment, lease, or other documents involved of OOllStnICtion. Even though • portion of in the transaction". Consistent with the real property
on which a sttUcture is lorecommendation by the Federal Financial cated may lie within an area of apecialInstitutions Examination Council, FlA flood hazard, the purchase and notice re,
believes that the "reasonable time" 􀁲􀁥􀁾􀀠quirements of the 1973 Act do not applyquirement is satisfied if the notices ore unless the sttUcture itself, or some partofprovided tendays
before theclosing. or at the structure is in the special flood hazard the tisne ofrommitment ifthis occurs less area. Prudencemaysuggestthe wisdom oftisao ten days before the closing.
the1endes'schoosing as amatterofits own dlscration to require the purchase offloodE. GUIDELINES TO AN insurance wbere the distance from theINTERPRETATION OF THE sttUcture to the edge
of the special flood 1973 ACT hazard area is minimal, but such a deciThe paragraphs above roostitute a descriptive sion is not compelled by the 1973 Act analysis of the provisions of
the 1973 Act. (b) Examination of the mapWhat follows is an analysis of some of the issues that have arisen under the Act based In order to determine whether. structure is located in
anareaofspeoialfloodhazardupon the experience that the Federal Insurance Administration has gathered over the past it is necessary to examine the location of twenty years and the discussions
we have bed the structure in relationship to the areas of special flood hazard shown on FJoedwith representatives of Federal agencies and Inslrurnentalities. The views expressed below
Hazard Boundary Maps Or Flood Insurrepresent our best effort toward providing ance Rate Maps. Howevert despite guidance and we welcome the views of other FEMA's efforts to make the maps
as useFederal agencies and the Federal Inslrurnenful as poasibl.. the descriptions ofapecial talities on these subjects. floodhazml areascontainedinsomemaps 􀁭􀁡􀁹􀁾􀁩􀁮􀁳􀁯􀁭􀁥􀁩􀁮􀁳􀁴􀁡􀁮􀁣􀁥􀁳􀀮􀁮
􀁯􀁴􀁢􀁥􀁣􀁬􀁥􀁡􀁲􀁥􀁮􀁯􀁵􀁧􀁨􀀠1. WHAT IS THE STANDARD BY to permit lenders to decide with certainty WHICH A LENDER SHOULD BE and precision whether or not property 18 Federal Emergency
Management Agency Froman insurance point ofview. therepresentedve capacity of the condominium association gives it the insurable interest in common areas. and even gives it the rigbt
to purchase roverage 00 individual urtill! as a means of prolllcring the entire """dominium community. It is only in that sense that Ibe association might be thought of as having a quasi-ownership
interest In the past, Associations have traditiooally fulfilled their insurance reaponsibility by porchasing some form of master "Difference in Coeditioos" policy. policy. Bec.use of
the uniquenat:ureof condominium ownership, Ibose policies have provided protection for the structural portion of the imildings. usually including most of the internalpoltionsoftheindividoal
units as well. Individoal policies were also available from the private insuraru:e induslly. but lypically provided coverage for the unit owner end only for things unique to him. such
as his contents and physical surface changes mede by him to the internal portion of his unit, such as new wall, floor or ceiling coverings, all of which was ofUnle interest to the lender
as their mortgagee interests wereroosideted protected by the Association's master policy. 2. Lender's Interest The interests of individnallenders in Ibe mortgages they have provided
on individual urtits have typically been satisfied by obtaining evidence of the existence of these master insurance policies, even though the Associations, unlike the unit owners, DOIlllally
do not have morlgages. Suchinsuranceby Associadoll$hasproven aconveruence to lenders since. inessence. fullhazard insurancecoverege is provided through one policy, alleviming the need
to deal with a saparate policy for each individual unit's mortgage. 3. Nature of Condominium OwnershiplLenders Expo'lIre The concept of condominium ownership shapes not only the nature
of the borrower's exposure to insurable risk, but also the kind of property interest that the lender receives as security for the loan. While the owner of a unit in a 􀁣􀁯􀁮􀁤􀁯􀁭􀁩􀁮􀁾􀀠ium
building. especially in the case of a townhouse, may appear to have the same kind of property interest as the owner of a .aparately owned detached house, there is, in fact, a vast difference
between their interests. In its simplest terms, the owner of a condominium un.it does not have exclusive ownership of the walls. f100r and roof of his residence or of Ibe land opon which
it rests. His exclusive property interest is limited to the spece within the walls, f100r end roof. Althoughhe lypicallyretains the exclusiverightto occupy andsell his unit, all of his:
other interests :in the common areas of the condominimn are shared in common with theowners oftheotherunits owned by the members of the condominium association. There are various kinds
of structures 􀁩􀁮􀁾􀀠volving condominium ownership. A 􀁣􀁯􀁮􀁾􀀠dominium building may be a verlice!, multiple story unit building (often called a ''high rise"), a townhouse or row house
or, infrequently. a single urtit building. The ownerShip interest ofa porchaserof a unitusuallyineludes (I) Ibeairspaoo in the individual unit; (2) certain property attached to the building
imt within theurtfinished petisneter walis. f100r and ceiling of theunit; end(3) an undivided interest with all other Wlit owners in the oommon elements. The items attached to the building
within the perimeter walls. floor and ceiling. are often referred to as 'Iimprovements and betterments" or "additions and betterments", which include floor, wall and ceiling coverings.
cabinets, wallpaper. paneling. fixtures, built in appliances, 31 
Mandatory Purchase of Flood Insurance Guidelines 8. Iftheinstitutiondoes not provide such notification. does it obtain satisfactory written assuranc'es from a seller or lessor that the
heITOwer has been properly notified of the fact that the property is located in • special flood hazard area prior 10 the execution of the agreement. Yes No 9. Are notifications provided
within the required time limit? Yes No 10. Prior 10 closing, does the institution obtain••atisfactorywrittenacknowledg ... mentfrom the borrower that the improved property or manufactured
home securing the loan is or will he located in • special flood hazard area? Yes No 11. Indica'" the method{s) ofnotification used. SUFFICIENCY OF COVERAGE 12. Does areviewoffiles(orprocedures)
indicate that. sufficient amount of flood insurance coverage is ""IUired of loans granted within commtutitie. in: a. the Emergency Program Yes No b. the Regular Program Yes No 13. Does
areview ofliles (or procedures) indicate that insurance policies are renewed annually? (Refer 10 workpapers l'rompastexaminstionsandlistapplicable Customer names.) Yes No NONPARTICIPATING
COMMUNI11ES 14. If the institutinn grants federally re· lated loans (such as Federal Housing Administration. Veterans Administration. 30 ....;. andSmallBtrsinessAdministrationloans)
does it refrain from granting such loans when the property securing the loan is Or will he located in a special flood hazard area of • nonparticipating community? Yes No 15. Are proper
notices of the unavailability of Federal Dis"'ter relief assistance (eon..,ntionalloans only) given 10 borrower whose properly is located in • special flood hazard area of • non-participating
conuntutity? Yes No F. THE REQUIREMENTS OF THE 1973 ACT AS TO CONDOMINIUMS 1. Insuraru:elPropmy Repair Respens1bUlty of Condomlnlum Assoclallons Condominiums Associations, by both SlDtelaw
and a""""I.1Io1l by.laws, typl. callyh.v.th.responslblHtytopun:h.... and mainlDln adequate Insurance on their buildings and toIIImon .reas of those buildings. In addition, addition,
th.y .Iso h... the responsibUlty to m.ke rep.Irs to .U commonly owned property, regardless of whether or not ther.lsadequat. Insurance to <over damage to Ibe property. However, itmustalso
hekeplinmind that. typically, it is the condominium association tutit owners who actually own properly. In almost all situalions, the condominium association itself does not own the
property, but is only the governing body for the condominium and contractually responsible for representing and pr0tecting Ibe urn! owners' undivided interests in the common areas. TIte
"condominium'linthe aggregate sense, therefore, would he the collection of properly rights comprising all individual units and com· mon elements. FI!1')£R.,II,L "'''''..RGENCV h'lANAGEMIiN'r
AQII!NC"I' SUGGESTED LENDER'S NOTICE SATISFIES NOTICE REQUIREMENTS OFTHE NATIONAL FLOOD INSURANCE ACT OF 1968. AS AMENDED, AND THE FLOOD DISASTER PROTECTION ACT OF 1973 NOTICE TO BORROWER
OF PROPERTY IN SPECIAL FLOOD HAZARD AREA Notice is given [0 that the (Borrowu) improved real estate or mobile home described in the attada:d instrument is or will be locatcd in an area
dcsign:.ccd by the Di.n:cmr of the Federal Emergency Management Agcncy as a special flood hnard atea. Tbis atea. it ddineated On '5 Flood (CoI1lI1lIl>1;ry Name) Insurance R,a«; Map (FIRM)
Ot, if the FIRM is unavailable, on tbe Flood Hazard Boundary Map (FH:BMO. Thi$ area has a 1% chance ofheing !loaded witbin any given year. The rl$k of exceeding tile 1% chance increases
witb time periods longer than one Year, For example. during the life of a 30-ycar mortgage, a 􀁭􀁵􀁣􀁾􀁵􀁲􀁥􀀠!oc:atod in a special !lood hanrd area has a 26% chance of being flooded.
NOTlCE TO BORROWER ABOUT FEDERAL FLOOD DISASTER ASSISTANCE (Lender Check One) Notice in Partidpadng Communities The improved real estate or mobile home securing your loan is or .....
mbe looted in a community wbich is now participating in tbe National Flood Insurance Program, In the event your property is damaged by flooding in a Federally declared disa:s.s.ter.
Federal disaster relief may be availahle. However, such relief will be unavailable i£ your community is not p;\rddpadng in tbe Nadonai F!ooJ low ;'Iorance Program at the time such .usUltance
would be approved, (asSliming yOUT campl/mity lUIS been identified as JiQcd.pror1.e fOT (1/least one year), This assistallce usually in the form of a loan with ;'t favorable interest
f<tte, may be aoniJllble for damage$ incurred in e.:<ccu of your flood, insurance. o Notir." in Nonpartidpatil'lg Communities The improved re.al eicue or mobile home. !ecurmg your loan
is or will be located in a community whk;h is not partidpating in the National Flood ill$I.lranCe Progt";tm, This me.:tns that you are not eligible for FcderaI i1o<i'd insurance. In
eh( (vent your property is damaged by flooding in a FedenUy ,declared disaster, Federal disam:.r relief will be I.Intlv;U]able,(asmming your cOm multi!,)' I.as been iden" tified at flood·prone
for at least one year). Federal flood disaster relief will be avaib.ble·only ifyout community is partidpatiug in the National Flood Insurance Prognm at the time .such :mist-anc( would
be :tpproved. (B<lni 􀁏􀁦􀁦􀁩􀁾􀁩􀁤􀁬􀀧􀁩􀁎􀀼􀁬􀁮􀁵􀀩􀀠(l.IOl'f'OWU·S 􀁎􀀶􀁭􀁾􀀩􀀠(DoIu) 􀁆􀁾􀀢􀀧􀁁􀀠FOAM a1.2 (11M) 18a 
Mandatory Purchase of FlOod Insurance Guidelines Federal Emergency Management Agency in the special flood h.,.J!l'd area should have been designated by !he FlA as being in a SFHA is
totally beyond !he aulhorllJl of the lender. Only !he Federal Insurance Adminis1:ta,. don can amend an official map to remove or edd.pat1icular property location from a designated SFHA
by a Lotter of Map Amerulmenr,orreviseamapby.Letterof Map Revision to changn the special flood hazard area or revise the e1evations on a map. (g) How to record !het a determination was
made? FEMAForms 81·3 and 81·2 were devel· oped by FlA to help 1endess notify bor· rowersoftheirstatusunder!heNFIPmaps and to enable !hem to document any ehanges in NFIP maps which may
have altered the bounderles of special flood hazard. areas in such a way as to cause a borrower's structure to no longer be 10· cated in an area of special flood hazaxd. Thesenoticescreate
arecord showing that the lender has mede a deterodnation or a rodetermination as to the status of of !he borrower's slnlcture and when placed in the flies of the lender demonstrate to
eJ(. arniners of Federallnstrumentalities that there is • proper basis for a borrower to have been required to purchase flood in· surance, orpemrittednot topmchase, or to drop • flood
insurance policy after a map revision. Additionally. many lenders, as wen as !he Federal agencies, such as FNMA, Freddie Mac, FMHA, HOD and VA, use!he UnifunnResidenlialAppraisal Reportfonn
whicbconlains, amongstother things, questions on the location of a properlyrelalive to flood hazaxd areas. Wbm a determination is made lhat a structure is not in • special flood hazard
area, evi· dence should be recorded showing, at !he 􀁉􀁥􀁡􀁳􀁾􀀠the map panel used, the date and number of the map. the name ofthe 􀁲􀁯􀁭􀁾􀀠munity.!he zone in which !he property is
loca..d, and !headdrcssof!he structure. A 20 photocopy of !he official map, marked to show !he location of !he property would provide a converrient record. (h) The ultimate responsibility
of !he lender 􀁂􀁵􀁾􀀠in ailthate situations the lender, us· ing such evidence as is reasonable, must take !he responsibility for making deter· minations and redeterminations, regard·
less ofwhether the lender actually mskes the determination or hires someoneelse to do il.Because it is the lender that requires !he purchase of flood insurance, only !he lende<canmakeadeterminstionor
a rodetermination, and only the signature of a representativeorduly authorlzod agent of the lender on Form 81·2 and 81·3 can mske!he form take on any significance in tcnns of establishlng!he
status of the improved real property and providing the lender with. record of !he deterodnation or redetermInation. 2.. SHOULD THE AMOUNT OF INSURANCE REQUIRED REFLECT THE VALUE OF LAND?
(a) The 1973 Act refers to buildings and mobile homes Section I02(a)of!he 1973 Actoonditions the granting of financial assistance by FedesaI officers and agencies upon there being flood
insurance coverage with respect to "!hebuilding or mobile home Ibtd any porsonal property to which snch fi· nancial assistance relates" inan am01.Ul.tal 1east equal to "its deve!opment
or project cost (l ...estimated landcost)." T!rus!his section of !he statute clearly expresses !he intent of Congress that the amount of insurance be ",lated only to !he cost of!he building
and not include !he cost of the land Section 102(b) desmbes the flood insurance purchase requirement for lend· ers making conventional loans in termS of "improved real estate or a mobile
honte locatedor to be located" in a special flood and thereforcmaintain !heflood insurancecov· erage. Also when a floed insurance policy is 'Written inconjunction with Ii closing. PIA
fears that subsequent servicers may no! be notifying the insurance agent who originally wrote thai policy ofthe cbange in mortgagee (or servicar) to enablercnewal and/or cancellation
notices to be scntto the properpsrty (lender) servicing !he loan. Thus. inthe case where the insurance payments werenotescrowed, !hemortgageservicerwould have no way of knowing knowing
whether or not the borrower oontinued to renew the policy or allowed it to lapse. Lenders selling mortgages in !he secondary market to FNMA, FHlMA or ONMA, (Federal Agencies wder the
1973 Act) should be aware that those Agencies will be requiring that the security for suclt mortgages inspecial floodhazardareas beprctected by flood insurance. The remedies available
to the lenders will vary dapending upon !he Ian· guage in the loan agreemeots. Most mortgages require that the borrower obtain and maintain hazard insUI'8l1.Ce. This provision was originally
developed with. view to fire insurance at a time when flood insurance was notavailable. But in light of the fact that flood insurance under the NFIP has been offered for twenty years,
the term "hazard insurance" should be broad enough to include flood insurance. On the basis ofdiscussions FlA has had with Fed· eralInstnunentalities and the U.S. Department of Housing
and Urban Development, it is FEMA's view that, if the loan agreement is specific in requiring hazard insurance, that provision, especiaily when coupled with the regnlatoryobligalionupon
the lender to require the borrower topurchaseflood insurance, gives the lender ample authority to require the bor. rower to purciuIse flood insurance, even at a date subsequent to the
date on which the loan was initiated. On !hebasis ofthesesarne discuss;'ms, FEMA believes that if !he borrower refused to purchase flood insurance, !he bank would be justified in purchasing
the insurance for the borrower and cbarging the borrower for the cost. In thecaseoflol!l1S that are being paid off through escrow agreements, this process 27 would be greatly facilitated.
Fornew construc· tion in Regular Program communities, NFIP rules require the submission of an elevation certificate wilh the appJicatlon, and that certificate is. inFEMA's view, 0 cost
of!he procurement of flood insurance. FlA's same discussions leed FEMA to oon· .iude that, where appraisal procedures include an analysis as to whether the improved real estate is in.
special flood hazaxdarea, !hecosts attributable to !het process would be proper expenses in connection with the costs of appraisal. FlA is in the course of exploring !he feasibility
of a forced-placement capability for flood insurance to facilitate !he prompt procurement of flood insurance when there is doubt that flood insurance has been purchased or kept in force
by !he borrower. 8_ HOME EQUITY LOANS UNDER THE 1973 ACT. The currently popular Home Equity Loans are clearly securedloansofthelcindcovered under !he 1973 Act and trigger the flood insurance
purchase requirement The simplest way in whIch olender could protect its interests and comply with the purchase requirements would be to consider that, when the bank has filed its lien,
hamdon the signing of!he Home Equity Loan agreement, the purchase of insurance becomes mandatory to the amount of!he loan authorilJl (subject to !he linIit on insurance avai1able and
the insurance requirement cap) if !he improved real property is located in a special flood hazard are. of a perticipating community. This procedure would be similar inconcap! to the
way in which many mortgage lenders have I)'pically handled !heir properly insurance requirements for building constructionloansprior to 1heexistence ofan actual in· surable building.
However, the difficulty with this solution lies in !he fact that !he Home Equity Loan is mOte like an approved line of credit to be utilized in the future. A borrower could argue that
so long as the lender has not paidoutanymoney,lhere is no flood exposure and consequently no flood insurance purchase 
Mandatory Purchase of Flood Insurance Guidelines the public I<> purchasethesameNFIPcoverage from private companies that have agreed I<> enter into agreements with PIA. Thecoverage, eligibility
and premiums ere the same on WYO policies as in the case ofpolicies that are issued directly by thaPIA through its servicing company. The PIA has guaranteed that in the event that any
WYO company is required by State regulatory authorities I<> cease writing insurance and is Ullllble to pay llood insurance claims onder any WYO policy, PIA will assume all obligations
for the paymenlof covered claims under that policy. Thus,lenders and insureds should not hesitate I<> accept NFIP policies written either directly by PIA or through a WYO company. In
the event of • submission of a flood insurance policy that is not issued by the NFIP through PIA or a WYO company, PIA believes that the following cri1eriashould bernet with respect
I<> any flood insurance policy submitted to a lending institution or • Federal agency inpurpotted satisfaction of the insurance purchase requirements of the 1973 􀁁􀁣􀁾􀀠(Ill The insurer
should be licensed I<> do business in the jurisdiction wheretheproperty is located, by the Insurance Department of that jurisdictinn, except as indicated in (b) below. (b) In the case
of • non-residential commercial property insured pursuant IX> a pollcy of difference in conditions, multiple peril. all risk, or other blanket coverage, it should be sufficient ifthe
insurer is recognized, or not disapproved, as a surplus lines insurer by the Insurance Department of the jurisdiction where the pr0perty is located. (c) The flood insurance policy issued
by theinsurersbould inelodean endorsement which requires that the insurer give 30 days Mitten notice ofcancel1ation 􀁯􀁲􀁮􀁯􀁮􀁾􀀠renewal IX> the insured with respect I<> the lloodinsurancecoverage
and thai to beeffoetive such nOlice must be mailed to both the insured and theleuderor Federal'geney and must include information as to the availability of lIood insurance coverage coverage
lUlder the NFIP. (d) The policy should guarantee that the lIoodinsurancecoverage,consideringboth deduca'bles and exclusions or conditions offered by the insurer, is at least as brued
as the coverage offered by the NFIP policies. (0) Lenders should satisfy themselves that a mor1Eagee interest clause sintilar to that contained in NFIP policies is conrained in the poUcy.
In the opinion of the PIA. an insurancepoliCY that meets aIlofthe above criteria meets the insurance purchase requirements of Section 102 of tha 1973 􀁁􀁣􀁾􀀠To the extent that the policy
differs from thePIA policy, thedifferences should be carefuUy exeminod bofore consideration is given to acceptance ofthepolicy as sufficient pro1ection under the 1973 Act 7_ LENDERS'
REMEDIES IN THE EVENT OF PRIOR FAILURE TO REQUIRE FLOOD INSURANCE ThehistoryoftheNFIPsince theenactmentof the 1973 Act indica"'. that lenders have not consisterttlyrequiredthepurchaseandrenewal
of flood insurance policies as required by regulations issued by Federal Instrumentalities pursuant to the 1973 Act Questions arise astowhats1epsare availal>le for lenders whose attention
has been directed to the situation at • Ia!er time. The issue has been raised to PIA with grOwing frequency that because of the rapid turnover of the servicing of mor1Eages. some loan
originarms may be paying little or no at1ention to the flood insurancepurchaserequirement because the servicing is sold SO quicldy. This could result in no flood coverage being written
to protect the interests of either the mortgagor or the mortgagee. Italso means that any subsequent servicer of that loan would be provided withno basis upon whichitcanlmow that the
property is located in the floodplain 26 "eOlEfiAI. e"'tl'lOIENeY MANACi<Ml:lII1 A(lENe\' CERTIFICA nON OF REDETERMIHATIOf'4 OF A PROPERTY'S LOCATION RELATIVE TO speCIAL FLOOD HAZARD
AREAS to: Date: _________________ INAME OF QRAN'rEE. aO""OWER, IN5VR:£OI RE; (Loan) (Transaction) No: _________________________ REl Flood Insurance 􀁾􀁯􀁬􀁩􀁣􀁶􀀠No. ________________________
___ This will certify that. 􀁾􀀵􀀠of this date, authorized 􀁰􀁾􀁲􀁳􀁯􀁮􀁮􀁥􀁬􀀠of this institution have examined the 􀁾(Flood 􀁈􀁡􀁺􀁾􀁲􀁤􀀠Boundary 􀁾􀁡􀁰􀀯􀁆􀁬􀁯􀁯􀁤􀀠Insurance RAte
Map) now in effect for INAM' 0 .. C-OOMUNI'l'y.-eoUNi'Y.siAfli) cUective 􀁾and have determined that the property 'l.'hich 1s the subject of the above-referct\ced loan/transaction is
not located in OJ special flood hazard area as represented on the 􀁡􀁢􀁯􀁶􀁥􀁾􀁲􀁥􀁦􀁥􀁲􀁥􀁮􀁣􀁥􀁤􀀮􀀠revisedmap. Flood insurance had been reauired 􀁾􀁳􀀠a condition for 􀁴􀁢􀁾􀀠􀁬􀁯􀁡􀁮􀀯􀁴􀁾􀁡􀁮􀁳􀁡􀁣􀁴􀁩􀁯􀁮􀀠in question because tbe property vas sbovn as located in a special flood hazard
area on 's Flood Hazard Boundary Hap/Flood /NAMe OF COMMUI'IIITYJ Insurance Rate 􀁾􀁰􀀠effective _______ at the time the loan/transaction 􀁷􀁾􀁳􀀠IOAnll processed. This institution now
deems 􀁶􀁾􀁩􀁶􀁥􀁤􀀠INAMe OFCi\AIltTEE.aOi\"'OWEA. I"ISUReOl from lIl3intainin.ll: flood insuranee eoverage. o-n the basis of the Federal 􀁉􀁮􀀵􀁵􀁲􀁡􀁾􀁥􀀠Administration's 􀁾map nov
in effect for 􀀭􀁾􀀢􀀢􀁾􀁾􀀢􀀢􀁃􀁏􀁾􀀻􀀭􀂭ICO",IoIUN'TV'S NAME. effective ______ which in our judgment excludes the COUNTY,STA'rllj \OATE) property in question from an identified special
flood 􀁨􀁡􀁾􀁡􀁲􀁤􀀠area. Address of Institution: Instirution: By: (Authorized 􀁓􀁩􀁾􀁮􀁡􀁴􀁵􀁲􀁥􀀩􀀠Federal Agency Bv: 􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀭􀀬􀀷􀁃􀁾􀀺􀀽􀀷􀀺􀀭􀁯􀁾􀀷􀀺􀁾􀁾􀀺􀀷􀁃􀀭􀀭􀂭. -(Authot:ized
Signature) "IlMA 1"O>!.... 1·3 (llmt CONTROL NO_ 593-213 t,I,s. COYE-.e;Nf pRHrtHl(O urnes, l'i84 0 􀁾􀁓􀀤􀁾􀀴􀀤􀀴􀀠20a 
Federal Emergency Management Agency the lender than struc1mes that are compliant with floodplain management ordinances. (c) Section 1316, as applicable to Federal Officers and Agencies
Questionshavearisen as to theapplicability of Section 1316 to Section 102(a), which applies to the approval of financial assistance by Federal officers and agencies. Federal officers
and agllllCies should make their own determinations as to whether they should approve fmancial assistance with respect to a building that the community has declared to be in violation
of local ordinances designed to rodece the peril of flood dernage to such building. And in coastal barrier areas theymustconsider the restrictions placed on Federal assistance by COBRA.
(d) NFIP underwriting "",trictions on eligibility for flood instuance In addition to COBRA and Section 1316 of the 1968 Act, there are policy provisions and underwriting rules of the
Standard Flood Insurance Policy sold under the NFIP which preclode certain properties from eligihility for coverage. For example, structures built over water 􀁣􀁡􀁮􀁾􀀠not be insured
under the Program. nor can boat houses. The NFIP coverages also contain restrictions on insurance cove:r􀁡􀁧􀁾such as theportions ofhomes consisting of finished basements where only
enumeratedandlirultedcoverage is available. 5. THE APPUCABIUTY OF THE 1973 ACT TO THE PURCHASE OF MORTGAGES BY LENDERS Among the Federal Instrumentalities two different views have been
expressed on the subject of the applicability of the Act to lIansactions involving the purchase ofmortgages by lenders. The Federal Home Loan Bank Board has taken a position whichissinUhJr
to that expressed by the Federal Insurance Adminisl:ralion in FlA Guidelines deled 1978, and has interpreted Ibe Act as including not only the origination of mortgage loans, but also
the purchase of mortgage loan portfolios in the secooda:ry market and participations thereof. Thus, under this view purchased mortgage 10anss..uredbyimprovedpropertyinaSFHA musthecoveredbyfloodinsura
nee, whereappJlcable, unless Ibe original loan w .. made pursuant to a fonual loan commitment issued prior to March 2, 1974. On the other hand, the Federal Depositlnsurance Corporation,
the Federal Reserve Board and the Comptroller of the Currency have inh:rpreted the Act to apply only to the origination of mortgage loans and not the parchase of mortgage loans in the
secondary market. Lenders should, therefore, follow Ibe intetpretations of the particular FederalInstrumenlaIity to whose exantioations thcy are SUbject for authoritativeguidance. In
PIA's viewt the t:enn "whereapplicableu• asu.sedinconnectionwith the position that the statute does apply to the purchase of mortgages, means that such a requirement pertains only to
mortgage loans involving improved real property in areas of special flood hazard in communities participatiog in the National Flood instuanee Program. and in which flood insurance is
thereby available Ihraugh the NFIP. 6. ACCEPTANCE OF PRIVATE FLOOD INSURANCE POLICIES To MEET STATUTORY REQUIREMENT AND THE ACCEPTANCE OF NAP "WRITE YOUR OWN POLICIES" FlA would welcome
Ibe aVailability of adequate flood insurance from the private insurance market. Hed adequate and assured flood insurance ptO""'tion been available through the privateinstuance market
in 1968, the NFJl> might not have been necessary. To give the public the benefits of the marketing andserv· icing expertise of the private insurance indus-. tty, PIA h .. since 1983
been making flood insoranee available through the NFIP "Write Your Own" Program (wyO) which enables 25 
Mandatory Purchase Of Flood Insurance Guidelines Federal Emergency Management Agency available immediately when !heconstru(>lion starts and is not 􀁤􀁥􀁉􀁾􀁥􀁤􀀠lIDliI the building has
reached a roofed and walled condition. 4. WHAT ARE THE CONSEQUENCES IF A STRUCTURE IS LOCATED IN A COMMUNITY THAT IS PARTlCIPATlNG IN THE NATlONAL FLOOD INSURANCE PROGRAM, BUT FLOOD
INSURANCE IS NOT AVAILABLE WITH RESPECT TO THAT PARTICULAR STRUCTURE? Itis !heview ofFlAthatinusing!hewords "!he sale of flood insunlnce has been made available" theCongres.smeanl themanda/ory
flood insurance purchase requirement of Section H)2 (b) to address the situation where PIA, through the NFIP. offers to sella flood insuraru;e policy to theowner ofthe particular struewrethatis
thesubjectofthetransaetion. Where !heFederal government has chosen to limitthe availobilily of flood insurance in a participating community. the inabilily of !he property owner to purchase
flood insurance does not require a lender to refrain from making a conventlonalloan with respect to that property. (a) CoastJ!l Barrier Resources A<:t ThereareseveraIreasonswhyflood
insurance mighlnot be available to.particular structure. One of the most significant is the Coastal Barrier Resources A<:t (COBRA). Public Law 97-348. mentioned abcve, which was adopledby
Congress in October of 1982 to reduce or restrict Federal government ections that were b<>Iieved to be encouraging the development of certain coastal barrier areas. including both islands
and mainland properly, that are currently lDldeveioped While COBRA does not prevent private frnancing and 􀁤􀁥􀁶􀁥􀀱􀁥􀁰􀁲􀁮􀁥􀁮􀁾􀀠it limits f'mancial assistanceby Federal agencies
on lDldeveloped coastal barriers, e:<ccpt for enumerated sitnatiQllS such as assistance for emergency actions essential to !he saving of lives and the protection of property and !he
public health and safety. Such emergency assistance would not include disaster assistance and government loans. (b) Section 1316 of !he 1973 Act and buildingsinvlolationofstateorlocallaws
Another SWUtory provision which proIubits !ha sale of frnod insurance as to particular properties is Section 1316of!he 1968 Act (42 USC Section 4023) which prohibits !he sale of new
frnod insurance for any property which !he Director frnds "has been declared by a duly constituled State or local zoning authority, or other authorized public body, to be in violation
of State or local lows, regulations, or ordinances which are intended to discourage or otherwise res1riet land development or occupancy in flood-prone areas." Questions have arisen as
to whether a conventionalloan can bemade when the building is loealed ina special flood hazard area of • community !het is participating in the NFIP, but where !he particular building
is not eligible for flood insurance protection because it bas been declared to be in violation of local floodplain management building codes. Under Section 102 (b) of the 1973 Ac4 which
makes !he flood insurance purchase requirement applicable to properties to which flood insurance bas beenmadeavailable, !he making ofa conventional loan would not be prohibiled with
respect to a building cited lIDder Saction 1316 of the 1968 Act Neverthe.less. compliance with the provision 􀁮􀁯􀁴􀀮􀁩􀁾􀀠tying !he borrower !hat the building is in a special flood
hazard area would be especially important It is important!het Federal Instrumentalities and lenders subject to !heir jurisdiction be aware that properties which come lIDder the provisions
of Section i316 of the 1968 A<:tbecause ofviolations which relate to protection against flooding wiII,. in mo.t cases, be highly susceptible '" flood <!smage., and are .fargreater risk
00 hazard area and uses the language similar to that in Section 102(.). conditioning the making of a loan in a participating cornmurtlty upon there being flood insurance covering "the
building or mobile home and any personal property securing such loanll • This ",ference to "buildings and mobile homes" is consistent with the fact that the NationaiFloodlnsurancePrograrninsures
naly buildings, including manufacwred homes (mobile homes). and does not insure land. Thus improved real estate, as used in Section 102(b) of the 1973 Act means land with a building
on it and the mandatory flood insurance porchase requirement applies only 10 !he baildings and manufacwred homes which constitute the improvements on !he land. (b) What !he NFIP policy
covers Moreover, it should be kept in ntiod that the NFIP policy does not provide insurance coverage for losses in excess of the value ofa structure. The determination of whether !he
loss will be paid on the basis ofreplacement value or actual cash value depends upon whe!her the residence is primary, and whe!her the insured has purchased insurance of up to at least
80% of !hereplacementcostof!hesln!cture. Under !he NFIP policy, "replacement value" means that the coverage is intended to include !he fun cost of repair or repblcement without deduction
fur depreciation. The term "actual cash valuell means that !he coverage is intended to include repair Orreplaeementless depreciation. A dwelling which is the principal residence of an
insuredmaybeinsuredforilSreplacement eostvalue, butsecondaryresidenees. condominium nalts in vertical highrise buildings and commercial buildings may be insured only for !hair actual
cash value. In light of the above, in requiring the purchase of flood insunlnce the lender should first calculate the IIlllOunt of the loan, or the maximum amount of insuronce available
under the National Flood Insurance Program, whichever is less. Having developed !hat figure, !he lander may, depending upon its view ofthe flood risk, take into account the SWUtory "cap"
ofSaetion 1306(b)(6). which,forexample, limits themandalOry purchase to $70.000 for single-family residential Sln!ctures). Then, the value of !he land abould be subtracted from the overall
value of !he property in reaching a datermination as to !he value of the improved property. i.e., the strUcture, !het is to be insured. This is especially significant in cases where
the proposed loan clearly ""ceeds thevalueof the insurable buildings. Ininstaru:es where the lender does not take into account separate valuations ofland, which is IIDt insurable under
the NFIP. and improvements, which are insurable, the insured may, lIDforturultely, be paying for coverage that is in excess ofthe amount !hat the NFlP will pay in the event of a loss.
In FIA's view. lenders should avoid creating such a situation. (c) Whatiftheloanis secured only by land upon which there are no structures? If • lender makes a loan which does not give
the lender a lien on any land upon which !here is abuilding i.e. improvedreal properly, no flood insurance JflUchase requirement applies. Tlms, if • lender can separate his loan SO as
to become the holder of a mortgage that is secured by land alone, no flood insurance purchase rcquirementapplies becausetheNFIPdoes not insure land, and the 1973 Actdoes not address
mortgages secured by land alone. d) What ifa detached garage of a residential property. to which 10 percent of the principal structure's insurance is applicable, is in the special flood
hazard area, while the principal structure is outside of !he special flood hazard area? flood insuranceon the principal structure would not be required because of its location outsida
!he special flood hazard area. 24 21 
Federal Emergency Management Agency Mandatory Purchase of Flood Insurance Guidelines But if the ru.tacbed garage is part of the security for the loan. !lood insurance on the garage wouldberequired
andcould be purchased through a separate policy on the General Property form. ""vering just the garage. However. if the value of the principal structure is sufficient to serve as securityfortheloan.
therequirementwould not apply if the lenru.r was willing to ru.lete the garage from the ru.scripdon of improved real property securing the loan. In agreeing to do this. a prodont leeder
wouldconsiru.rthe valueoflbe garage and the likely degree ofits exposure to damage intheeventof!looding.as well .. whether the close proximity of the house to the special flood hazardarearaised
questions as to Ibe safety of the house, itself. If, instead of • ru.tached garage in the special!lood hazard area, there was a tool shed or similar shack with no foundation and notattacbed
to theland, such property would not be insurable under the NFlP. Being more in Ibe nature of personalty as opposed to realty, it would not be part of the security for the loan, and no
flood insurance would be required. 3. WHAT IS THE IMPACT OF THE FLOOD INSURANCE PURCHASE REQUIREMENT IF IMPROVEMENTS ON THE REAL PROPERTY ARE OF NOMINAL VALUE, AND THE PURPOSE OF THE
LOAN TRANSACTION IS TO FACILITATE THE PURCHASE OF LAND FOR SUBSEQUENT DEVELOPMENT? (a) Surpins buildings of nominsl value on land purchased for development Instances arise when real
estate is purchased for Ibe purpose of ru.velopment and the presence of a structure on the land is not. factor in the purchase of the land. In fact, in many si1chsituations, the developers's
planmaycall for thestructure to be demolished as soon as development oc22 \ Curs. But, because the 1973 Act speaks of "improved real estale" in lrigguring the mandatory flood insurance
purchase requirement, questions are frequently asked as to whether Hood insurance must be required in suchsilUations.Itis F1A's view Ihat Ibe answets to such questions should be approaebed
through a view ofthe purposeslbrwhieh thepurchaserequiremenlS of the 1973 Act were adopted. namely to protect landers and the Pederal resources against poteariallosses resultiog from
un· secured loans, and to protect unwary bor"'wets against financial loss .. resulting from urtiosured buildings. In these situations Ibe acquisition of the buildingisnottheprimarypurpesebehiod
Ibe purchase of the land, and frequently the structure is not intended to remain in place when Ibe property is developod. If tho valuoofthe building was less than the NFlP$500ru.ductible,
clearly there would be no requirement for the purchase of flood insuranoe. But, even if the value exceeru.d $500. given the fact thot lbe transaction involves primarily land, this would
be an appropriate situation Ibr wording the mortgage so as tospecifically .xctude such a building .. part of Ibe security for th.loan. In this kind of situation where th••truelu!1O is
not being used for residential or commercial purposes purposes and where there is no iment to improve it or use it for such purposes, and where the loan is adequately secored wilhoutinclud·
ing Ibe building. in F1A'. view.lbe !lood insuraneepurchaserequiremenlwouldnot apply. (b) Whatifthere is a structure in a special Hood hazard area which is being used for residontialoreommercialpurpo
sesonland whose value alone would be sufficient to secure theloan wilhoutrcgard to the value of the building? The 1973 Act does not give a lender the option of enabling the borrower
to avoid the purchase of flood insurance, even though the land may be so valuable that it would provide more than adequate secu· rity for the amount of the loan, witheut taking into
account the v aloe of the building on the land. Ifthe land has a building uponit, and theteederhas a security interest in that building, Ibe Act requires the lender to require the purchase
of Hood insurance 10 protectilll security inter ..l In so doing, the lender is also protec!iag the 􀁧􀁯􀁶􀁥􀁲􀁮􀁭􀁥􀁮􀁾􀁳􀀠interests by preserving the assets ofagencies which insure
the lenru.r'. d.Iposits. (c) NFlP deduetibles and ru.finition of stnIcture ItshouldbekeptinmindthotlbeNFlPhas aminirnum$500deductible, whichmeans Ibat iflbe actual cash value of astructure,
taking into account depreciation. did not exc.edSSOO. the structure would forpra<:tiealpurposesbeurtiosurablebeeausethere could never be arty claim payment in the event of !lund damage.
It should also be kept in mind thet the NFlP insures only walled and roofed sttuetures which are principally above ground and are permanently affixed to sites. Also eligible are silos
and grainstorage buildings. and buildings in the CQurse of construction, i.e. under construction. but before Ibey have become walled and roofed. Buildings are walled and roofed when
they have two or more rigid external walls in place and are roofed and adequately anchored so Ibot Ibey will resist !lotation, collapse and lateral movement.. The Flood Insurance Manual
lists as ineligible for insurance coverage gazebos. pavilions. pole barns. pumping stations. and s""age tanks, and thus. the presence of such structures would not give rise to any question
as to the purchase of flood insurance. (d)Buildings inthe eourso of construction 􀁈􀁯􀁷􀁥􀁶􀁥􀁲􀁾􀀠when a stt'llctnre is to he built which when completed will be a walled and roofed
structure that will be eligible 23 for coverage, !lund insurance must be purchased. Therelbro. where a development loan is made for the purpose of constructing insurable improverrumts
on land, flood insurance coverage must be potcbased to keep pace with the new construction. The only pracdca! way of implerneming Ibe Hood insurance coverage is to require lbe purchase
of Ibe policy at the timeIhat thedevelopmentloan ismade and requiring Ibot the poliey bepureha.sed to cover the eventual value of Ibe property to be constructed. Since October I, 1986.
buildingslhat are in the course of construction but have yel to be walled and roofed are eligible Ibr Hood insurance. subject to certain underwriting reslrictions. The 1986 regulations
and policy changes resolved a prior problem which arose out of Ibe f..tthot lenders had to require thepurchase offlundinsurance policies thot could not proviru. any coverage until a
future date when the building would beconsiru.red to be walled androofed. This significantchangerecognizes Ibe flood peril faced by a builder during the process of construction and brings
the NFIP more into eonforntity with Ibe practices of fite insurers by providing insurance eoverage thet begins during the period of time when construction is taking pl.ce. Unless ru.fined
stages ofru.velopmentcanbeidentified, the most pra<:deal wey of impleroenting the !lood coverage may be to require the purchase ofthe policy aube time that the development loan i. made
and funds are disbursed. Por new construction in Regular Program communities, where elevation certificates are required. Ibe certificate and Ibe premium will be based upon an elevation
figure darived from construction drawings. However. Ibe Ibe policy v:il\<,,".o'-'" reneweduntil anew certificate 􀁾upon actual construction has beensubmitted. In arty event, Ibe point
of Ibe 1986 change is that coverage under the policy becomes