LFG 1 MAY 1, 2011
This section is to be used as a guide for identifying
the lowest floor for rating buildings being considered
for coverage under the National Flood Insurance
Program (NFIP).
I. LOWEST FLOOR DETERMINATION
The following guidance, along with the comments
accompanying each building drawing provided in
this section, will help insurance agents/producers
determine the lowest floor so that the appropriate rate
can be applied.
A. Non-Elevated Buildings
In a non-elevated building, the lowest floor used
for rating is the building’s lowest floor including a
basement, if any.
If a building described and rated as a single-family
dwelling located in an A Zone has an attached garage
floor elevation at or above the Base Flood Elevation
(BFE), the garage floor may be excluded for rating.
An attached garage floor elevation below the BFE can
be excluded as the lowest floor for rating if all of the
following conditions apply:
• Building is described and rated as a single-family
dwelling;
• Building is located in an A Zone (any flood zone
beginning with the letter A);
• The garage floor elevation is below the elevation of
the top of the bottom floor; and
• The garage has proper openings with or without
machinery/equipment that is below the BFE. See
“Proper Openings” in the Definitions section.
If a building not described and rated as a single-family
dwelling located in an A Zone has an attached garage,
and the floor level of the garage is below the level of
the building, use the garage floor as the lowest floor
for rating.
B. Elevated Buildings in A Zones
In an elevated building located in an A Zone (any flood
zone beginning with the letter A), the lowest floor
used for rating is the lowest elevated floor, with the
exceptions described below.
If a building located in an A Zone has an enclosure
below the elevated floor, including an attached garage,
the enclosure or garage floor becomes the lowest floor
for rating if any of the following conditions exists:
• The enclosed space is finished (having more than 20
linear feet of interior finished wall [paneling, etc.]); or
• The unfinished enclosed space is used for other than
building access (stairwells, elevators, etc.), parking,
or storage; or
• The unfinished enclosed space has no proper
openings (flood vents).
NOTE: A garage attached to an elevated building is
considered an enclosure.
1. Proper Opening Requirements
An elevated building with an enclosure or
crawlspace below the elevated floor with proper
flood openings (flood vents) in the enclosure or
crawlspace can be rated using the elevated floor
as the lowest floor. (For elevated buildings with
proper flood openings in an unfinished enclosure
or crawlspace, the Application should indicate
“No” for enclosure.) This rule applies to buildings
in zones A, A1–A30, AE, AO, AH, AR, and AR Dual.
All enclosures (including an elevator shaft, a
garage, or a crawlspace) below the lowest elevated
floor must be designed to automatically equalize
hydrostatic flood forces on exterior walls by
allowing for the entry and exit of floodwaters. One
of the following criteria must be met to satisfy this
proper openings requirement:
a. A minimum of 2 openings must be provided,
with positioning on at least 2 walls, having a
total net area of not less than 1 square inch for
every square foot of enclosed area. The bottom
of all openings must be no higher than 1
foot above the higher of the exterior or interior
grade (adjacent) or floor immediately below
the openings.
b. If the enclosure floor is partially subgrade,
a minimum of 2 openings must be provided,
with positioning on a single wall adjacent to
the lowest grade next to the building, having
a total net area of not less than 1 square inch
for every square foot of enclosed area. The
bottom of all openings must be no higher
than 1 foot above the higher of the exterior or
interior grade (adjacent) or floor immediately
below the openings.
2. Alternative to the Openings Requirement Above
For architectural or other reasons, a designer
or builder may use an alternative to satisfy the
requirement for a building to have openings that
LOWEST FLOOR GUIDE
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LFG 2 MAY 1, 2011
provide 1 square inch per square foot of enclosed
area below the BFE. These alternatives, which may
be referred to as “engineered openings,” must
be certified as having been designed to provide
automatic equalization of hydrostatic flood forces
by allowing for the entry and exit of floodwaters.
Design requirements and specifications for
certification statements are outlined in FEMA
Technical Bulletin 1-08, “Openings in Foundation
Walls and Walls of Enclosures Below Elevated
Buildings in Special Flood Hazard Areas,” at http://
www.fema.gov/library/viewRecord.do?id=1579.
If engineered openings are used as an alternative,
the Write Your Own (WYO) Company or NFIP
Servicing Agent must obtain a copy of the following
documentation for its underwriting files:
a. For engineered openings designed for
installation in a specific building, a copy of
the certification is required. This certification
will verify to community officials that the
openings are designed in accordance with the
requirements of the NFIP, applicable building
codes, and accepted standards of practice. The
original certification statement must include the
design professional’s name, title, address, type
of license, license number, the state in which
the license was issued, and the signature and
applied seal of the certifying registered design
professional. In addition, this certification shall
identify the building in which the engineered
openings will be installed and it shall address
the following: (1) a statement certifying that
the openings are designed to automatically
equalize hydrostatic flood loads on exterior
walls by allowing for the automatic entry and
exit of floodwaters; (2) description of the range
of flood characteristics tested or computed for
which the certification is valid, such as rates of
rise and fall of floodwaters; and (3) description
of the installation requirements or limitations
that, if not followed, will void the certification; or
b. For engineered openings for which the
International Code Council Evaluation Service,
Inc., has issued an Evaluation Report, a copy of
the Evaluation Report is required. This report is
required to assure community officials that the
openings are designed in accordance with the
requirements of the NFIP, applicable building
codes, and accepted standards of practice. The
Evaluation Report identifies the model numbers
of the engineered openings addressed in the
report, specifies the number of engineered
openings that are required for a specified
square footage of enclosed area below the BFE,
and lists installation requirements. Acceptable
documentation must include the model
numbers of the engineered openings, which
must match the model numbers provided in the
International Code Council Evaluation Report.
3. Crawlspaces
If a building elevated on a crawlspace is located
in an A Zone and has an attached garage, use the
following guidelines to determine the lowest floor
for rating:
• Use the top of the crawlspace (under-floor
space) floor or the garage floor, whichever is
lower, if neither the crawlspace nor the garage
has proper openings; or
• Use the top of the crawlspace floor, if the only
area that has proper openings is the garage; or
• Use the top of the garage floor, if the only area
that has proper openings is the crawlspace; or
• Use the top of the finished floor (habitable floor),
if both the crawlspace and the garage have
proper openings.
Pre-FIRM buildings with subgrade crawlspaces
that are below the BFE may use optional Post-
FIRM elevation rating. Follow the Submit-for-
Rate procedures.
C. Elevated Buildings in V Zones
In zones V, VE, and V1–V30, the floor of an
enclosed area below the lowest elevated floor is
the building’s lowest floor if any of the following
conditions exists:
• The enclosed space is finished (having more
than 20 linear feet of interior finished wall
[paneling, etc.]); or
• The unfinished enclosed space is used for other
than building access (stairwells, elevators, etc.),
parking, or storage; or
• The enclosed space is of any size, and there
is machinery or equipment below the BFE
located inside or outside the enclosed space.
(Machinery or equipment is defined as building
items permanently affixed to the building and
that provide utility services for the building –
i.e., furnaces, water heaters, heat pumps, air
conditioners, and elevators and their associated
equipment. Washers, dryers, and food freezers
are contents items and are not considered
machinery or equipment.); or
LFG 3 MAY 1, 2011
• The enclosed space is constructed with non-
breakaway walls. (A non-breakaway wall is
defined as a wall that is attached to the
structural support of the building and is not
designed or constructed to collapse under
specific lateral loading forces. This type of
construction endangers the foundation system
of the building.); or
• The enclosed space is 300 square feet or more
and has breakaway walls; or
• The enclosed space has load-bearing
(supporting) walls.
If the enclosed space (enclosure) is at or above the
BFE, use the “Free of Obstruction” rate table in the
Rating or Condominiums section as appropriate.
Also use these rates if an enclosure has solid load-
bearing walls that provide less than 25 percent of
the building’s structural support. The elevation of
the bottom enclosure floor is the lowest floor for
rating (LFE).
Also see “E. Post-’81 V Zone Optional Rating” in
the Rating section.
II. USE OF ELEVATION CERTIFICATE
The Elevation Certificate (EC) is used to properly
rate buildings located in Special Flood Hazard Areas
(SFHAs). Use the criteria below in determining whether
use of the EC is mandatory or optional. (See the
Special Certifications section for more information on
using the EC.)
A. Mandatory Use of Elevation Certificate
An EC is required for a Post-FIRM building located
in zones AE, A1–A30, VE, or V1–V30, or a Pre-FIRM
building opting for Post-FIRM rates (see “B.” below).
An EC is also required for a Post-FIRM building located
in unnumbered A Zones (With or Without BFE), Zone
AH, and Zone AO, if the building has a basement or
enclosure without proper openings.
If the building is Post-FIRM construction located in
an unnumbered A Zone, check with the community
official to determine whether there is a BFE. If
available, an EC that certifies the lowest floor elevation
must be submitted.
B. Optional Rating Using the Elevation Certificate
Buildings located in AR and AR Dual Zones, or
constructed prior to publication of the initial Flood
Insurance Rate Map (Pre-FIRM), can, at the option of
the insured, be elevation-rated using Post-FIRM rates.
The insured may select the more advantageous rate.
In addition, the EC is optional in unnumbered A Zones
(With or Without BFE), Zone AH, and Zone AO if the
building has no basement or enclosure.
C. Guidelines for Determining the Conversion from
NGVD 1929 to NAVD 1988
NAVD 1988 is replacing NGVD 1929 as the national
standard reference datum for elevations. To determine
the conversion from NGVD to NAVD, contact the
community official. The surveyor may have applied
the conversion factor to the elevations entered on
the EC. Unless the surveyor’s comments specifically
state that the conversion was not performed, assume
that line items C2.a–h have already been converted
to the same elevation datum as the BFE reported in
box B9. Following this guidance will ensure consistent
application at the policy processing level.
If the surveyor has not applied the conversion factor,
the National Geodetic Survey (NGS) has developed
a tool that will help you convert the LFE and BFE
measurements to like form. This tool is available
through the NGS website at http://www.ngs.noaa.gov/
cgi-bin/VERTCON/vert_con.prl. Enter the north latitude
and west longitude of the structure. Enter “ft” in the
orthometric height field. The conversion factor will then
be provided for calculations.
For example, to convert a property with a latitude of
35° 15' and longitude of 121° 22' 30" from NGVD 29
to NAVD 88, click on “Height Conversion” and enter
the latitude and longitude in the degrees, minutes,
seconds format (just replace the °, ', " symbols with
a space).
Enter the elevation to be converted in NGVD 29 (e.g.,
top of bottom floor, top of next-higher floor, bottom of
lowest horizontal structural member, or lowest adjacent
grade next to the building). If the elevation is measured
in feet (most places other than Puerto Rico), be sure to
include “ft” after the elevation so that the results will
be in feet.
As an example, enter a building elevation of 54.2 ft.
Select Vertical Datum NGVD 29 and click on Submit.
The result produced by VERTCON for this latitude and
longitude will display a conversion factor of 2.987
feet and a building elevation of 57.186 feet NAVD 88.
Rounded to a tenth of a foot, the building elevation is
57.2 feet NAVD 88.
To convert a property from NAVD 88 to NGVD 29,
enter data as above. Be sure to select Vertical Datum
NAVD 88, then click on Submit. The result produced by
VERTCON shows a conversion factor of 2.987 feet. Use
the building elevation of 54.2 ft. The building elevation
in NGVD 29 is 51.214 feet. Rounded to a tenth of a
foot, the building elevation is 51.2 feet NGVD 29.
LFG 4 May 1, 2011
LFG 5 May 1, 2011
LFG 6 May 1, 2011
LFG 7 May 1, 2011
LFG 8 May 1, 2011
LFG 9 MAY 1, 2011
III. SPECIFIC BUILDING DRAWINGS
TABLE OF CONTENTS
SECTION PAGE
Elevated Buildings for Pre- and Post-FIRM Risks
in Flood Zones B, C, X, A99, and D . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFG 10 – LFG 12
Non-Elevated Buildings for Pre- and Post-FIRM Risks
in Flood Zones B, C, X, A99, and D . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFG 13 – LFG 15
Elevated Buildings for Pre- and Post-FIRM Risks
in Flood Zones A, AO, and AH . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFG 16 – LFG 21
Non-Elevated Buildings for Pre- and Post-FIRM Risks
in Flood Zones A, AO, and AH . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFG 22 – LFG 25
Non-Elevated Buildings for Pre- and Post-FIRM Risks
in Flood Zones AE and A1–A30 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFG 26 – LFG 32
Elevated Buildings for Pre- and Post-FIRM Risks
in Flood Zones AE and A1–A30 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFG 33 – LFG 44
Non-Elevated Buildings for Pre- and Post-FIRM Risks
with Construction Dates of 1975 to September 30, 1981,
in Flood Zones VE and V1–V30 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFG 45 – LFG 49
Elevated Buildings for Pre- and Post-FIRM Risks
with Construction Dates of 1975 to September 30, 1981,
in Flood Zones VE and V1–V30 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFG 50 – LFG 59
Elevated Buildings for Post-FIRM Risks
in Flood Zones VE and V1–V30,
Construction Date October 1, 1981, and After . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFG 60 – LFG 68
Non-Elevated Buildings for Post-FIRM Risks
in Flood Zones VE and V1–V30,
Construction Date October 1, 1981, and After . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . LFG 69
LFG 10 MAY 1, 2011
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D
Building Description
1 floor and unfinished enclosed area
Elevating Foundation of Building Piers, posts, piles, or columns
Type of Enclosure Unfinished enclosure
With proper openings
3
Machinery or Equipment
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating No Elevation Certificate required
Application Should Show Building type — 1 floor
Is building elevated? — Yes
Is area below the elevated floor enclosed? — No
Pre-FIRM Rating
Use Pre-FIRM rate table
No Basement/Enclosure
category.
Post-FIRM Rating
Use Post-FIRM rate table No Basement/Enclosure category.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 11 MAY 1, 2011
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D
Building Description 2 floors and unfinished enclosed area
Elevating Foundation of Building Solid perimeter load-bearing walls
Type of Enclosure Unfinished enclosure (garage) and crawlspace
No proper openings
Machinery or Equipment
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating No Elevation Certificate required
Application Should Show Building type — 3 or more floors
Is building elevated? — Yes
Is area below the elevated floor enclosed? — Yes
Pre-FIRM Rating Use Pre-FIRM rate table With Enclosure category.
Post-FIRM Rating Use Post-FIRM rate table With Enclosure category.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 12 MAY 1, 2011 LFG 12 MAY 1, 2011
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D
Building Description 1 floor and finished or unfinished enclosed area
Elevating Foundation of Building Piers, posts, piles, or columns
Type of Enclosure Non-load-bearing walls
No proper openings
3
Machinery or Equipment
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating No Elevation Certificate required
Application Should Show Building type — 2 floors
Is building elevated? — Yes
Is area below the elevated floor enclosed? — Yes
Pre-FIRM Rating Use Pre-FIRM rate table With Enclosure category.
Post-FIRM Rating Use Post-FIRM rate table With Enclosure category.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 13 MAY 1, 2011
NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D
Building Description 1 floor on slab
Machinery or Equipment
Servicing Building
N/A
Lowest Floor for Rating No Elevation Certificate required
Application Should Show Building type — 1 floor
Basement — None
Is building elevated? — No
Pre-FIRM Rating Use Pre-FIRM rate table No Basement/Enclosure category.
Post-FIRM Rating Use Post-FIRM rate table No Basement/Enclosure category.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 14 MAY 1, 2011
NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D
Building Description 2 floors on raised-slab-on-grade or slab-on-stem-wall-with-fill
Machinery or Equipment
Servicing Building
N/A
Lowest Floor for Rating No Elevation Certificate required
Application Should Show Building type — 2 floors
Basement — None
Is building elevated? — No
Pre-FIRM Rating Use Pre-FIRM rate table No Basement/Enclosure category.
Post-FIRM Rating Use Post-FIRM rate table No Basement/Enclosure category.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 15 MAY 1, 2011
NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES B, C, X, A99, AND D
Building Description 1 floor with finished or unfinished basement
Machinery or Equipment
Servicing Building
With or without machinery or equipment in basement
Lowest Floor for Rating No Elevation Certificate required
Application Should Show Building type — 2 floors
Basement — Finished or unfinished
Is building elevated? — No
Pre-FIRM Rating Use Pre-FIRM rate table With Basement category.
Post-FIRM Rating Use Post-FIRM rate table With Basement category.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 16 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH
Building Description 1 floor without enclosed area (see Elevation Certificate, Diagram 5)
Elevating Foundation
of Building
Piers, posts, piles, or columns
Type of Enclosure No enclosure
Machinery or Equipment
Servicing Building
None
Lowest Floor for Rating Top of lowest elevated floor
Application Should
Show
Building type — 1 floor
Is building elevated? — Yes
Is area below the elevated floor enclosed? — No
Pre-FIRM Rating
5
AO Zone: If difference between LF
1
and HAG
4
is equal to or greater than Base Flood Depth,
use With Certification of Compliance rate. If not, use Pre-FIRM rate table No Basement/
Enclosure category.
AH Zone: If LF
1
elevation is equal to or greater than BFE
2
, use With Certification of
Compliance rate. If LF
1
elevation is less than BFE
2
, use Pre-FIRM rate table No Basement/
Enclosure category.
A Zone with BFE
2
: If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate
table With Base Flood Elevation category. If LF
1
elevation is less than BFE
2
, use Pre-FIRM rate
table No Basement/Enclosure category.
A Zone without BFE
2
: If difference between the LF
1
and HAG
4
is 2 feet or more, use Post-FIRM
No Base Flood Elevation rate table. If the difference is 1 foot or less, use Pre-FIRM rate table
No Basement/Enclosure category.
Post-FIRM Rating AO Zone: If difference between LF
1
and HAG
4
is equal to or greater than Base Flood Depth,
use With Certification of Compliance. If not, use Without Certification of Compliance rate.
AH Zone: If LF
1
elevation is greater than or equal to BFE
2
, use With Certification of
Compliance rate. If not, use Without Certification of Compliance rate.
A Zone with BFE
2
: Use Post-FIRM rate table With Base Flood Elevation category. If LF
1
elevation is 2 or more feet below the BFE
2
, submit the Application to the insurer for a rate.
A Zone without BFE
2
: If difference between the LF
1
and HAG
4
is 1 foot or more, use Post-
FIRM rate table No Base Flood Elevation category. If difference is 0 feet or less, submit the
Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 17 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH
Building Description 2 floors, including hanging floor (see Elevation Certificate, Diagram 5)
Elevating Foundation
of Building
Piers, posts, piles, or columns
Type of Enclosure No enclosure
Machinery or Equipment
Servicing Building
With or without machinery or equipment below the lowest elevated floor
List the value of machinery, equipment, and appliances.
Lowest Floor for Rating Top of lowest elevated floor
Application Should
Show
Building type — 2 floors
Is building elevated? — Yes
Is area below the elevated floor enclosed? — No
Pre-FIRM Rating
5
AO Zone: If difference between LF
1
and HAG
4
is equal to or greater than Base Flood Depth,
use With Certification of Compliance rate. If not, use Pre-FIRM rate table No Basement/
Enclosure category.
AH Zone: If LF
1
elevation is equal to or greater than BFE
2
, use With Certification of
Compliance rate. If LF
1
elevation is less than BFE
2
, use Pre-FIRM rate table No Basement/
Enclosure category.
A Zone with BFE
2
: If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate
table With Base Flood Elevation category. If LF
1
elevation is less than BFE
2
, use Pre-FIRM
rate table No Basement/Enclosure category.
A Zone without BFE
2
: If difference between the LF
1
and HAG
4
is 2 feet or more, use Post-
FIRM No Base Flood Elevation rate table. If the difference is 1 foot or less, use Pre-FIRM rate
table No Basement/Enclosure category.
Post-FIRM Rating AO Zone: If difference between LF
1
and HAG
4
is equal to or greater than Base Flood Depth, use
With Certification of Compliance rate. If not, use Without Certification of Compliance rate.
AH Zone: If LF
1
elevation is greater than or equal to BFE
2
, use With Certification of
Compliance rate. If not, use Without Certification of Compliance rate.
A Zone with BFE
2
: Use Post-FIRM rate table With Base Flood Elevation category. If LF
1
elevation is 2 or more feet below the BFE
2
, submit the Application to the insurer for a rate.
A Zone without BFE
2
: If difference between the LF
1
and HAG
4
is 1 foot or more, use Post-
FIRM rate table No Base Flood Elevation category. If difference is 0 feet or less, submit the
Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 18 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH
Building Description 1 floor and unfinished enclosed area (see Elevation Certificate, Diagram 6)
Elevating Foundation
of Building
Piers, posts, piles, or columns
Type of Enclosure Unfinished enclosure
With proper openings
3
Machinery or Equipment
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating Top of next-higher floor
Application Should
Show
Building type — 1 floor
Is building elevated? — Yes
Is area below the elevated floor enclosed? — No
Pre-FIRM Rating
5
AO Zone: If difference between LF
1
and HAG
4
is equal to or greater than Base Flood Depth,
use With Certification of Compliance rate. If not, use Pre-FIRM rate table No Basement/
Enclosure category.
AH Zone: If LF
1
elevation is equal to or greater than BFE
2
, use With Certification of
Compliance rate. If LF
1
elevation is less than BFE
2
, use Pre-FIRM rate table No Basement/
Enclosure category.
A Zone with BFE
2
: If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate
table With Base Flood Elevation category. If LF
1
elevation is less than BFE
2
, use Pre-FIRM rate
table No Basement/Enclosure category.
A Zone without BFE
2
: If difference between the LF
1
and HAG
4
is 2 feet or more, use Post-FIRM
No Base Flood Elevation rate table. If the difference is 1 foot or less, use Pre-FIRM rate table
No Basement/Enclosure category.
Post-FIRM Rating AO Zone: If difference between LF
1
and HAG
4
is equal to or greater than Base Flood
Depth, use With Certification of Compliance rate. If not, use Without Certification of
Compliance rate.
AH Zone: If LF
1
elevation is greater than or equal to BFE
2
, use With Certification of
Compliance rate. If not, use Without Certification of Compliance rate.
A Zone with BFE
2
: Use Post-FIRM rate table With Base Flood Elevation category. If LF
1
elevation is 2 or more feet below the BFE
2
, submit the Application to the insurer for a rate.
A Zone without BFE
2
: If difference between the LF
1
and HAG
4
is 1 foot or more, use Post-FIRM
rate table No Base Flood Elevation category. If the difference is 0 feet or less, submit the
Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 19 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH
Building Description 2 floors and unfinished enclosed area (see Elevation Certificate, Diagram 6)
Elevating Foundation
of Building
Solid load-bearing walls
Type of Enclosure Unfinished enclosure (garage) and crawlspace
Machinery or Equipment
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating Top of bottom floor (lower of crawlspace or garage)
Application Should
Show
Building type — 3 or more floors
Is building elevated? — Yes
Is area below the elevated floor enclosed? — Yes
Pre-FIRM Rating AO Zone: Use Pre-FIRM rate table With Enclosure category.
AH Zone: Use Pre-FIRM rate table With Enclosure category.
A Zone: Use Pre-FIRM rate table With Enclosure category.
Post-FIRM Rating Submit the Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 20 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH
Building Description 1 floor and finished or unfinished enclosed area (see Elevation Certificate, Diagram 6)
Elevating Foundation
of Building
Piers, posts, piles, or columns
Type of Enclosure Unfinished enclosure
Non-load-bearing walls
No openings
3
Machinery or Equipment
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating Top of bottom floor (including basement or enclosure)
Application Should
Show
Building type — 2 floors
Is building elevated? — Yes
Is area below the elevated floor enclosed? — Yes
Pre-FIRM Rating AO Zone: Use Pre-FIRM rate table With Enclosure category.
AH Zone: Use Pre FIRM rate table With Enclosure category.
A Zone: Use Pre-FIRM rate table With Enclosure category.
Post-FIRM Rating Submit the Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 21 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH
Building Description Mobile home without enclosed area (see Elevation Certificate, Diagram 5)
Elevating Foundation
of Building
Piers, posts, piles, or columns
Type of Enclosure Vinyl or aluminum skirting
Machinery or Equipment
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating Top of lowest elevated floor
Application Should
Show
Building type — Mobile home
Is building elevated? — Yes
Is area below the elevated floor enclosed? — No
Pre-FIRM Rating
5
AO Zone: If difference between LF
1
and HAG
4
is equal to or greater than Base Flood Depth,
use With Certification of Compliance rate. If not, use Pre-FIRM rate table Manufactured
(Mobile) Home category.
AH Zone: If LF
1
elevation is equal to or greater than BFE
2
, use With Certification of
Compliance rate. If LF
1
elevation is less than BFE
2
, use Pre-FIRM rate table Manufactured
(Mobile) Home category.
A Zone with BFE
2
: If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate
table With Base Flood Elevation category. If LF
1
elevation is less than BFE
2
, use Pre-FIRM rate
table No Basement/Enclosure category.
A Zone without BFE
2
: If difference between the LF
1
and HAG
4
is 2 feet or more, use Post-FIRM
No Base Flood Elevation rate table. If the difference is 1 foot or less, use Pre-FIRM rate table
No Basement/Enclosure category.
Post-FIRM Rating AO Zone: If difference between LF
1
and HAG
4
is equal to or greater than Base Flood
Depth, use With Certification of Compliance rate. If not, use Without Certification of
Compliance rate.
AH Zone: If LF
1
elevation is greater than or equal to BFE
2
, use With Certification of
Compliance rate. If not, use Without Certification of Compliance rate.
A Zone with BFE
2
: Use Post-FIRM rate table With Base Flood Elevation category. If LF
1
elevation is 2 or more feet below the BFE
2
, submit the Application to the insurer for a rate.
A Zone without BFE
2
: If difference between the LF
1
and HAG
4
is 1 foot or more, use Post-
FIRM rate table No Base Flood Elevation category. If difference is 0 feet or less, submit the
Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 22 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH
Building Description 1 floor and finished or unfinished basement (see Elevation Certificate, Diagram 2)
Machinery or Equipment
Servicing Building
With or without machinery or equipment in the basement
Lowest Floor for Rating Top of bottom floor (including basement)
Application Should
Show
Building type — 2 floors
Basement — Finished or unfinished
Is building elevated? — No
Pre-FIRM Rating AO Zone: Use Pre-FIRM rate table With Basement category.
AH Zone: Use Pre-FIRM rate table With Basement category.
A Zone: Use Pre-FIRM rate table With Basement category.
Post-FIRM Rating Submit the Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 23 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH
Building Description 1 floor on slab (see Elevation Certificate, Diagram 1A)
Machinery or Equipment
Servicing Building
N/A
Lowest Floor for Rating Top of bottom floor
Application Should
Show
Building type — 1 floor
Basement — None
Is building elevated? — No
Pre-FIRM Rating
5
AO Zone: If difference between LF
1
and HAG
4
is equal to or greater than Base Flood Depth,
use With Certification of Compliance rate. If not, use Pre-FIRM rate table No Basement/
Enclosure category.
AH Zone: If LF
1
elevation is equal to or greater than BFE
2
, use With Certification of
Compliance rate. If LF
1
elevation is less than BFE
2
, use Pre-FIRM rate table No Basement/
Enclosure category.
A Zone with BFE
2
: If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate
table With Base Flood Elevation category. If LF
1
elevation is less than BFE
2
, use Pre-FIRM rate
table No Basement/Enclosure category.
A Zone without BFE
2
: If difference between the LF
1
and HAG
4
is 2 feet or more, use Post-FIRM
No Base Flood Elevation rate table. If the difference is 1 foot or less, use Pre-FIRM rate table
No Basement/Enclosure category.
Post-FIRM Rating AO Zone: If difference between LF
1
and HAG
4
is equal to or greater than Base Flood
Depth, use With Certification of Compliance rate. If not, use Without Certification of
Compliance rate.
AH Zone: If LF
1
elevation is greater than or equal to BFE
2
, use With Certification of
Compliance rate. If not, use Without Certification of Compliance rate.
A Zone with BFE
2
: Use Post-FIRM rate table With Base Flood Elevation category. If LF
1
elevation is 2 or more feet below the BFE
2
, submit the Application to the insurer for a rate.
A Zone without BFE
2
: If difference between the LF
1
and HAG
4
is 1 foot or more, use Post-
FIRM rate table No Base Flood Elevation category. If difference is 0 feet or less, submit the
Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 24 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH
Building Description 2 floors on raised-slab-on-grade or slab-on-stem-wall-with-fill (see Elevation Certificate,
Diagram 1B)
Machinery or Equipment
Servicing Building
N/A
Lowest Floor for Rating Top of bottom floor
Application Should
Show
Building type — 2 floors
Basement — None
Is building elevated? — No
Pre-FIRM Rating
5
AO Zone: If difference between LF
1
and HAG
4
is equal to or greater than Base Flood Depth,
use With Certification of Compliance rate. If not, use Pre-FIRM rate table; No Basement/
Enclosure category.
AH Zone: If LF
1
elevation is equal to or greater than BFE
2
, use With Certification of
Compliance rate. If LF
1
elevation is less than BFE
2
, use Pre-FIRM rate table No Basement/
Enclosure category.
A Zone with BFE
2
: If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate
table With Base Flood Elevation category. If LF
1
elevation is less than BFE
2
, use Pre-FIRM rate
table No Basement/Enclosure category.
A Zone without BFE
2
: If difference between the LF
1
and HAG
4
is 2 feet or more, use Post-FIRM
No Base Flood Elevation rate table. If the difference is 1 foot or less, use Pre-FIRM rate table
No Basement/Enclosure category.
Post-FIRM Rating AO Zone: If difference between LF
1
and HAG
4
is equal to or greater than Base Flood
Depth, use With Certification of Compliance rate. If not, use Without Certification of
Compliance rate.
AH Zone: If LF
1
elevation is greater than or equal to BFE
2
, use With Certification of
Compliance rate. If not, use Without Certification of Compliance rate.
A Zone with BFE
2
: Use Post-FIRM rate table No Base Flood Elevation category. If LF
1
elevation
is 2 or more feet below the BFE
2
, submit the Application to the insurer for a rate.
A Zone without BFE
2
: If difference between the LF
1
and HAG
4
is 1 foot or more, use Post-
FIRM rate table With Base Flood Elevation category. If difference is 0 feet or less, submit the
Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 25 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES A, AO, AND AH
Building Description 2 floors on slab with attached garage (see Elevation Certificate, Diagram 1A)
Machinery or Equipment
Servicing Building
Machinery or equipment in garage
Lowest Floor for Rating Top of finished floor if the garage is used for parking vehicle and storage and the
machinery/equipment is at or above the BFE, or if the machinery/equipment is below the BFE
and the garage is properly vented.
Application Should
Show
Building type — 2 floors
Basement — None
Is building elevated? — No
Pre-FIRM Rating
5
AO Zone: If difference between LF
1
AND HAG
4
is equal to or greater than Base Flood Depth,
use With Certification of Compliance rate. If not, use Pre-FIRM rate table; No Basement/
Enclosure category.
AH Zone: If LF
1
elevation is equal to or greater than BFE
2
, use With Certification of
Compliance rate. If LF
1
elevation is less than BFE
2
, use Pre-FIRM rate table No Basement/
Enclosure category.
A Zone with BFE
2
: If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate
table With Base Flood Elevation category. If LF
1
elevation is less than BFE
2
, use Pre-FIRM rate
table No Basement/Enclosure category.
A Zone without BFE
2
: If difference between the LF
1
and HAG
4
is 2 feet or more, use Post-FIRM
No Base Flood Elevation rate table. If the difference is 1 foot or less, use Pre-FIRM rate table
No Basement/Enclosure category.
Post-FIRM Rating AO Zone: If difference between LF
1
and HAG
4
is equal to or greater than Base Flood
Depth, use With Certification of Compliance rate. If not, use Without Certification of
Compliance rate.
AH Zone: If LF
1
elevation is greater than or equal to BFE
2
, use With Certification of
Compliance rate. If not, use Without Certification of Compliance rate.
A Zone with BFE
2
: Use Post-FIRM rate table With Base Flood Elevation category. If LF
1
elevation is 2 or more feet below the BFE
2
, submit the Application to the insurer for a rate.
A Zone without BFE
2
: If difference between the LF
1
and HAG
4
is 1 foot or more, use Post-
FIRM rate table No Base Flood Elevation category. If difference is 0 feet or less, submit the
Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 26 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30
Building Description 1 floor on slab (see Elevation Certificate, Diagram 1A)
Machinery or Equipment
Servicing Building
N/A
Lowest Floor for Rating Top of bottom floor
Application Should
Show
Building type — 1 floor
Basement — None
Is building elevated? — No
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate table One Floor No
Basement/Enclosure/Crawlspace category. If LF
1
elevation is less than BFE
2
, use Pre-FIRM
rate table No Basement/Enclosure category.
Post-FIRM Rating Use Post-FIRM rate table One Floor No Basement/Enclosure/Crawlspace category. If LF
1
elevation is 2 or more feet below the BFE
2
, submit the Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 27 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30
Building Description 2 floors on raised-slab-on-grade or slab-on-stem-wall-with-fill (see Elevation Certificate,
Diagram 1B)
Machinery or Equipment
Servicing Building
N/A
Lowest Floor for Rating Top of bottom floor
Application Should
Show
Building type — 2 floors
Basement — None
Is building elevated? — No
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate table More Than One
Floor No Basement/Enclosure/Crawlspace category. If LF
1
elevation is less than BFE
2
, use
Pre-FIRM rate table No Basement/Enclosure category.
Post-FIRM Rating Use Post-FIRM rate table More Than One Floor No Basement/Enclosure/Crawlspace category.
If LF
1
elevation is 2 or more feet below the BFE
2
, submit the Application to the insurer for
a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 28 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30
Building Description 2 floors on slab with attached garage (see Elevation Certificate, Diagram 1A)
Machinery or Equipment
Servicing Building
Machinery or equipment in garage
Lowest Floor for Rating Top of finished floor if the garage is used for parking vehicle and storage and the machinery/
equipment is at or above the BFE, or if the M/E is below the BFE and the garage is properly
vented; otherwise, use top of garage floor.
Application Should
Show
Building type — 2 floors
Basement — None
Is building elevated? — No
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate table More Than One
Floor No Basement/Enclosure/Crawlspace category. If LF
1
elevation is less than BFE
2
, use
Pre-FIRM rate table No Basement/Enclosure category.
Post-FIRM Rating Use Post-FIRM rate table More Than One Floor No Basement/Enclosure/Crawlspace category.
If LF
1
elevation is 2 or more feet below the BFE
2
, submit the Application to the insurer for
a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 29 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30
Building Description 2 floors and subgrade crawlspace with or without openings. (See Elevation Certificate,
Diagram 9.)
Subgrade crawlspace floor is no more than 2 feet below grade, and the distance between the
subgrade crawlspace floor and the top of the next-higher floor is no more than 5 feet.
Machinery or Equipment
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating Top of bottom floor (including subgrade crawlspace)
Application Should
Show
Building type — 3 or more floors
Is building elevated? — No
Subgrade crawlspace
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate table More Than
One Floor With Basement/Enclosure/Crawlspace category. If LF
1
elevation is less than
BFE
2
, use Pre-FIRM rate table Non-Elevated With Subgrade Crawlspace category. Pre-FIRM
buildings with subgrade crawlspace(s) may use optional Post-FIRM elevation rating provided
that the lowest floor is below the Base Flood Elevation (BFE). The building must be reported
statistically as a Submit-for-Rate using Risk Rating Method “2.” Follow the procedures from
the Specific Rating Guidelines for policy processing.
Post-FIRM Rating Use Post-FIRM rate table More Than One Floor With Basement/Enclosure/Crawlspace
category. If LF
1
elevation is 1 or more feet below the BFE
2
, submit the Application to the
insurer for a rate. See “H. Crawlspace” in the Special Rating Situations subsection in the
Rating section.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 30 May 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30
Building Description 2 floors and unfinished basement. (See Elevation Certificate, Diagram 2.)
Basement floor is subgrade more than 2 feet, or subgrade no more than 2 feet and the
distance between the basement floor and the top of the next-higher floor is more than 5 feet.
Machinery or Equipment
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating Top of bottom floor (including basement)
Application Should
Show
Building type — 3 or more floors
Is building elevated? — No
Basement — Finished or unfinished
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate table More Than One
Floor With Basement/Enclosure/Crawlspace category. If LF
1
elevation is less than BFE
2
,
use Pre-FIRM rate table With Basement category.
Post-FIRM Rating Use Post-FIRM rate table More Than One Floor With Basement/Enclosure/Crawlspace
category. If LF
1
elevation is 2 or more feet below the BFE
2
, submit the Application to the
insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 31 May 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30
Building Description 1 floor with attached garage
Garage is at lower elevation than principal building area (see Elevation Certificate,
Diagram 1A)
Machinery or Equipment
Servicing Building
Machinery or equipment in garage
Lowest Floor for Rating Top of slab of principal building area only if the garage is used for parking vehicle and storage
and the machinery/equipment is at or above the BFE, or if the M/E is below the BFE and the
garage is properly vented; otherwise, use top of the garage floor.
Application Should
Show
Building type — 1 floor
Basement — None
Is building elevated? — No
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate table One Floor No
Basement/Enclosure/Crawlspace category. If LF
1
elevation is less than BFE
2
, use Pre-FIRM
rate table No Basement/Enclosure category.
Post-FIRM Rating Use Post-FIRM rate table One Floor No Basement/Enclosure/Crawlspace category. If LF
1
elevation is 2 or more feet below the BFE
2
, submit the Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 32 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30
LFG 33
May 1,
2010
Building Description Split level with unfinished or finished basement (see Elevation Certificate, Diagram 4)
Machinery or Equipment
Servicing Building
With or without machinery or equipment in basement
Lowest Floor for Rating Top of bottom floor (including basement)
Application Should
Show
Building type — Split level
Basement — Finished or unfinished
Is building elevated? — No
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE, use Post-FIRM rate table More Than One
Floor With Basement/Enclosure/Crawlspace category. If LF
1
elevation is less than BFE
2
, use
Pre-FIRM rate table With Basement category.
Post-FIRM Rating Use Post-FIRM rate table More Than One Floor With Basement/Enclosure/Crawlspace
category. If LF
1
elevation is 2 or more feet below the BFE
2
, submit the Application to the
insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 33 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30
Building Description 2 floors with walkout at ground level
Lower floor is not below grade on all sides
Principal use of the building is on the elevated floor (see Elevation Certificate, Diagram 7)
Elevating Foundation
of Building
Solid perimeter walls
Type of Enclosure Finished or unfinished lower level
No openings
Machinery or Equipment
Servicing Building
With or without machinery or equipment at ground level
Lowest Floor for Rating Top of bottom floor (enclosure)
Application Should
Show
Building type — 2 floors
Is building elevated? — Yes
Is area below the elevated floor enclosed? — Yes
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate table More Than One
Floor With Basement/Enclosure/Crawlspace category. If LF
1
elevation is less than BFE
2
, use
Pre-FIRM rate table With Enclosure category.
Post-FIRM Rating Use Post-FIRM rate table More Than One Floor With Basement/Enclosure/Crawlspace
category. If LF
1
elevation is 1 or more feet below the BFE
2
, submit the Application to the
insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 34 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30
Building Description 1 floor without enclosed area (see Elevation Certificate, Diagram 5)
Elevating Foundation
of Building
Piers, posts, piles, or columns
Type of Enclosure No enclosure
Machinery or Equipment
Servicing Building
With or without machinery or equipment below the lowest elevated floor
Lowest Floor for Rating Top of lowest elevated floor
Application Should
Show
Building type — 1 floor
Is building elevated? — Yes
Is area below the elevated floor enclosed? — No
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate table One Floor No
Basement/Enclosure/Crawlspace category. If LF
1
elevation is less than BFE
2
, use Pre-FIRM
rate table No Basement/Enclosure category.
Post-FIRM Rating Use Post-FIRM rate table One Floor No Basement/Enclosure/Crawlspace category. If LF
1
elevation is 2 or more feet below the BFE
2
, submit the Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 35 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30
Building Description Elevated on piers, posts, piles, or columns with hanging floor
2 floors, including hanging floor (see Elevation Certificate, Diagram 5)
Elevating Foundation
of Building
Piers, posts, piles, or columns
Type of Enclosure No enclosure
Machinery or Equipment
Servicing Building
With or without machinery or equipment below the lowest elevated floor
List the value of machinery, equipment, and appliances.
Lowest Floor for Rating Top of lowest elevated floor
Application Should
Show
Building type — 2 floors
Is building elevated? — Yes
Is area below the elevated floor enclosed? — No
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate table More Than One
Floor No Basement/Enclosure/Crawlspace category. If LF
1
elevation is less than BFE
2
, use
Pre-FIRM rate table No Basement/Enclosure category.
Post-FIRM Rating Elevated buildings on posts, piers, pilings, or columns and the lowest elevated floor below the
BFE is unfinished and used for storage or building access only, use More Than One Floor No
Basement/Enclosure/Crawlspace category. If LF
1
elevation is 1 or more feet below the BFE
2
,
submit the Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 36 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30
Building Description 1 floor and unfinished enclosed area (see Elevation Certificate, Diagram 6)
Elevating Foundation of
Building
Piers, posts, piles, or columns
Type of Enclosure Unfinished enclosure
With proper openings
Machinery or Equipment
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating Top of the next-higher floor (elevated floor)
Application Should
Show
Building type — 1 floor
Is building elevated? — Yes
Is area below the elevated floor enclosed? — No
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate table One Floor No
Basement/Enclosure/Crawlspace category. If LF
1
elevation is less than BFE
2
, use Pre-FIRM
rate table No Basement/Enclosure category.
Post-FIRM Rating Use Post-FIRM rate table One Floor No Basement/Enclosure/Crawlspace category. If LF
1
elevation is 2 or more feet below the BFE
2
, submit the Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 37 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30
Building Description 2 floors and unfinished enclosure/crawlspace (see Elevation Certificate, Diagram 8)
Elevating Foundation
of Building
Solid load-bearing walls
Type of Enclosure Unfinished enclosure (garage) and crawlspace
No proper openings
Machinery or Equipment
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating Top of bottom floor (garage)
Application Should
Show
Building type — 3 or more floors
Is building elevated? — Yes
Is area below the elevated floor enclosed? — Yes
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate table More Than One
Floor With Basement/Enclosure/Crawlspace category. If LF
1
elevation is less than the BFE
2
,
use Pre-FIRM rate table With Enclosure category.
Post-FIRM Rating Use Post-FIRM rate table More Than One Floor With Basement/Enclosure/Crawlspace
category. If LF
1
elevation is 1 or more feet below the BFE
2
, submit the Application to the
insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 38 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30
Building Description 1 floor and finished or unfinished enclosed area (see Elevation Certificate, Diagram 6)
Elevating Foundation
of Building
Piers, posts, piles, or columns
Type of Enclosure Non-load-bearing walls
No openings
3
Machinery or Equipment
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating Top of bottom floor (including basement or enclosure)
Application Should
Show
Building type — 2 floors
Is building elevated? — Yes
Is area below the elevated floor enclosed? — Yes
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate table More Than One
Floor With Basement/Enclosure/Crawlspace category. If LF
1
elevation is less than BFE
2
, use
Pre-FIRM rate table With Enclosure category.
Post-FIRM Rating Use Post-FIRM rate table More Than One Floor With Basement/Enclosure/Crawlspace
category. If LF
1
elevation is 1 or more feet below the BFE
2
, submit the Application to the
insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 39 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30
Building Description 1 floor and unfinished enclosed area (see Elevation Certificate, Diagram 7)
Elevating Foundation
of Building
Solid perimeter load-bearing walls
Type of Enclosure Unfinished enclosure
No proper openings
3
Machinery or Equipment
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating Top of bottom floor (including basement or enclosure)
Application Should
Show
Building type — 2 floors
Is building elevated? — Yes
Is area below the elevated floor enclosed? — Yes
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate table More Than One
Floor With Basement/Enclosure/Crawlspace category. If LF
1
elevation is less than BFE
2
, use
Pre-FIRM rate table With Enclosure category.
Post-FIRM Rating Use Post-FIRM rate table More Than One Floor With Basement/Enclosure/Crawlspace
category. If LF
1
elevation is 1 or more feet below the BFE
2
, submit the Application to the
insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 40 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30
Building Description 2 floors with unfinished enclosure/crawlspace (see Elevation Certificate, Diagram 8)
Elevating Foundation
of Building
Solid perimeter walls
Type of Enclosure Enclosed garage at same level as crawlspace
Unfinished enclosure/crawlspace
No proper openings in crawlspace or garage
Floor of crawlspace/garage is at or above lowest adjacent grade
Machinery or Equipment
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating Floor of crawlspace and garage
Application Should
Show
Building type — 3 or more floors
Is building elevated? — Yes
Is area below the elevated floor enclosed? — Yes
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate table More Than One
Floor With Basement/Enclosure/Crawlspace category. If LF
1
elevation is less than BFE
2
, use
Pre-FIRM rate table With Enclosure category.
Post-FIRM Rating Use Post-FIRM rate table More Than One Floor With Basement/Enclosure/Crawlspace
category. If LF
1
elevation is 1 or more feet below the BFE
2
, submit the Application to the
insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 41 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30
Building Description 2 floors with crawlspace (see Elevation Certificate, Diagram 8)
Elevating Foundation
of Building
Solid perimeter walls
Type of Enclosure Unfinished crawlspace
Proper openings
3
in crawlspace and garage
Floor of crawlspace/garage is at or above lowest adjacent grade
Machinery or Equipment
Servicing Building
Without machinery or equipment in crawlspace or garage
Lowest Floor for Rating Top of next-higher floor
Application Should
Show
Building type — 2 floors
Is building elevated? — Yes
Is area below the elevated floor enclosed? — No
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate table More Than One
Floor No Basement/Enclosure/Crawlspace category. If LF
1
elevation is less than BFE
2
, use
Pre-FIRM rate table No Basement/Enclosure category.
Post-FIRM Rating Use Post-FIRM rate table More Than One Floor No Basement/Enclosure/Crawlspace
category. If LF
1
elevation is 2 or more feet below the BFE
2
, submit the Application to the
insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 42 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30
Building Description 2 floors with crawlspace (see Elevation Certificate, Diagram 8)
Elevating Foundation
of Building
Solid perimeter walls
Type of Enclosure Unfinished crawlspace
With proper openings
3
Floor of crawlspace is at or above lowest adjacent grade
Machinery or Equipment
Servicing Building
With or without machinery or equipment in crawlspace
Lowest Floor for Rating Top of next-higher floor
Application Should
Show
Building type — 2 floors
Is building elevated? — Yes
Is area below the elevated floor enclosed? — No
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate table More Than One
Floor No Basement/Enclosure/Crawlspace category. If LF
1
elevation is less than BFE
2
, use
Pre-FIRM rate table No Basement/Enclosure category.
Post-FIRM Rating Use Post-FIRM rate table More Than One Floor No Basement/Enclosure/Crawlspace
category. If LF
1
elevation is 2 or more feet below the BFE
2
, submit the Application to the
insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 43 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30
Building Description 2 floors with crawlspace (see Elevation Certificate, Diagram 8)
Elevating Foundation
of Building
Solid or partial perimeter walls
Type of Enclosure Unfinished crawlspace
No proper openings
3
Floor of crawlspace is at or above lowest adjacent grade
Machinery or Equipment
Servicing Building
With or without machinery or equipment
Lowest Floor for Rating Top of bottom floor (crawlspace)
Application Should
Show
Building type — 3 or more floors
Is building elevated? — Yes
Is area below the elevated floor enclosed? — Yes
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate table More Than One
Floor With Basement/Enclosure/Crawlspace category. If LF
1
elevation is less than BFE
2
, use
Pre-FIRM rate table Elevated on Crawlspace category.
Post-FIRM Rating Use Post-FIRM rate table More Than One Floor With Basement/Enclosure/Crawlspace
category. If LF
1
elevation is 1 or more feet below the BFE
2
, submit the Application to the
insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 44 MAY 1, 2011
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS IN FLOOD ZONES AE AND A1–A30
Building Description Mobile home without enclosed area (see Elevation Certificate, Diagram 5)
Elevating Foundation
of Building
Piers, posts, piles, or columns
Type of Enclosure Vinyl or aluminum skirting
Machinery or Equipment
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating Top of lowest elevated floor
Application Should
Show
Building type — Mobile home
Is building elevated? — Yes
Is area below the elevated floor enclosed? — No
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM Manufactured
(Mobile) Home rate if favorable. If LF
1
elevation is less than BFE
2
, use Pre-FIRM rate table
Manufactured (Mobile) Home category.
Post-FIRM Rating Use Post-FIRM Manufactured (Mobile) Home rates. If LF
1
elevation is 1 or more feet below the
BFE
2
, submit the Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
LFG 45 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO
SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V30
6
Building Description 1 floor
No basement (see Elevation Certificate, Diagram 1A)
Lowest Floor for Rating Bottom of slab
In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal
structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate,
and the top of the bottom floor is at or above grade, deduct (for 1–4 family residences) 12
inches from the elevation figure found in item C2.a. For buildings other than 1–4 family,
deduct 18 inches from the elevation figure found in item C2.a.
Application Should
Show
Building type — 1 floor
Basement — None
Is building elevated? — No
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate if favorable. Use
One Floor No Basement/Enclosure/Crawlspace rate category. If LF
1
elevation is less than the
BFE
2
, use Pre-FIRM rate table No Basement/Enclosure category.
Post-FIRM Rating 1975
to September 30, 1981,
Construction Date
Use Post-FIRM ’75–’81 VE, V1–V30 Zone One Floor No Basement/Enclosure/Crawlspace
rates. If LF
1
elevation is 2 or more feet below the BFE
2
, submit the Application to the insurer
for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 46 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO
SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V30
6
Building Description 2 floors on raised-slab-on-grade or slab-on-stem-wall-with-fill (see Elevation Certificate,
Diagram 1B)
Lowest Floor for Rating Lowest adjacent grade (C2.f)
Application Should
Show
Building type — 2 floors
Basement — None
Is building elevated? — No
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate if favorable. Use
More Than One Floor No Basement/Enclosure/Crawlspace rate category. If LF
1
elevation is
less than the BFE
2
, use Pre-FIRM rate table No Basement/Enclosure category.
Post-FIRM Rating Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than One Floor No Basement/Enclosure/
Crawlspace rates. If LF
1
elevation is 2 or more feet below the BFE
2
, submit the Application to
the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 47 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO
SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V30
6
Building Description 1 floor with attached garage
Garage is at lower elevation than principal building area (see Elevation Certificate, Diagram 1)
Lowest Floor for Rating In V Zones, the lowest floor for rating should reflect the bottom of the slab. If the surveyor
used item C2. a or d (attached garage/top of slab) in lieu of C2.c of the Elevation Certificate,
and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct
(for 1–4 family residences) 12 inches from the elevation figure found in item C2. a or d,
whichever is lower. For buildings other than 1–4 family, deduct 18 inches from the elevation
figure found in item C2. a or d, whichever is lower.
Application Should
Show
Building type — 1 floor
Basement — None
Is building elevated? — No
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate if favorable. Use
One Floor No Basement/Enclosure/Crawlspace rate category. If LF
1
elevation is less than the
BFE
2
, use Pre-FIRM rate table No Basement/Enclosure category.
Post-FIRM Rating 1975
to September 30, 1981,
Construction Date
Use Post-FIRM ’75–’81 VE, V1–V30 Zone One Floor No Basement/Enclosure rates. If LF
1
elevation is 2 or more feet below the BFE
2
, submit the Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 48 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO
SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V30
6
Building Description 3 floors
Finished basement (see Elevation Certificate, Diagram 2)
Lowest Floor for Rating Bottom of slab (basement)
In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal
structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate,
and the top of the bottom floor is indicated in the Elevation Certificate, deduct (for 1–4 family
residences) 12 inches from the elevation figure found in item C2.a. For buildings other than
1–4 family, deduct 18 inches from the elevation figure found in item C2.a.
Application Should
Show
Building type — 3 or more floors
Basement — Finished
Is building elevated? — No
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate if favorable. Use
More Than One Floor With Basement/Enclosure/Crawlspace rate category. If LF
1
elevation is
less than the BFE
2
, use Pre-FIRM rate table With Basement category.
Post-FIRM Rating 1975
to September 30, 1981,
Construction Date
Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than One Floor With Basement/Enclosure/
Crawlspace rates. If LF
1
elevation is 2 or more feet below the BFE
2
, submit the Application to
the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 49 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
NON-ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO
SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V30
6
Building Description Split level
Unfinished basement (see Elevation Certificate, Diagram 4)
Lowest Floor for Rating Bottom of slab (basement)
In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal
structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate,
and the top of the bottom floor is indicated in the Elevation Certificate, deduct (for 1–4 family
residences) 12 inches from the elevation figure found in item C2.a. For buildings other than
1–4 family, deduct 18 inches from the elevation figure found in item C2.a.
Application Should
Show
Building type — Split level
Basement — Unfinished
Is building elevated? — No
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate if favorable. Use
More Than One Floor With Basement/Enclosure/Crawlspace rate category. If LF
1
elevation is
less than the BFE
2
, use Pre-FIRM rate table With Basement category.
Post-FIRM Rating 1975
to September 30, 1981,
Construction Date
Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than One Floor With Basement/Enclosure/
Crawlspace rates. If LF
1
elevation is 2 or more feet below the BFE
2
, submit the Application to
the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 50 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO
SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V30
Building Description 2 floors with walkout at ground level
Lower floor is not below grade on all sides
Principal use of the building is on the elevated floor (see Elevation Certificate, Diagram 7)
Elevating Foundation
of Building
Solid perimeter walls
Type of Enclosure Finished or unfinished lower level
Machinery or Equipment
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating Bottom of slab
In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal
structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate,
and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4
family residences) 12 inches from the elevation figure found in item C2.a. For buildings other
than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a.
Application Should
Show
Building type — 2 floors
Is building elevated? — Yes
Is area below the elevated floor enclosed? — Yes
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate if favorable. Use
More Than One Floor With Basement/Enclosure/Crawlspace rate category. If LF
1
elevation is
less than BFE
2
, use Pre-FIRM rate table With Enclosure category.
Post-FIRM Rating Use Post-FIRM rate table More Than One Floor With Basement/Enclosure/Crawlspace
category. If LF
1
elevation is 1 or more feet below the BFE
2
, submit the Application to the
insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 51 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO
SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V30
Building Description 1 floor without enclosed area (see Elevation Certificate, Diagram 5)
Elevating Foundation
of Building
Piers, posts, piles, or columns
Type of Enclosure The space below the lowest elevated floor either has no enclosure or has:
(1) Insect screening, provided that no additional supports are required for the screening; or
(2) Wooden or plastic lattice with at least 40 percent of its area open and made of material no
thicker than ½ inch; or
(3) Wooden or plastic slats or shutters with at least 40 percent of their area open and made
of material no thicker than 1 inch; or
(4) The area below the lowest elevated floor is enclosed by a combination of one solid
breakaway wall or garage door, and the other sides of the enclosure are insect screening,
or wooden or plastic lattice, slats, or shutters.
Any of these systems must be designed and installed to collapse under stress without
jeopardizing the structural support of the building, so that the impact on the building of
abnormally high tides or wind-driven water is minimized.
Machinery or Equipment
Servicing Building
Any machinery or equipment below elevated floor is at or above the BFE
Lowest Floor for Rating Bottom of lowest horizontal structural member
Application Should
Show
Building type — 1 floor
Is building elevated? — Yes
Is area below the elevated floor enclosed? — No
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate if favorable. Use
One Floor No Basement/Enclosure/Crawlspace rate category. If LF
1
elevation is less than
BFE
2
, use Pre-FIRM rate table No Basement/Enclosure category.
Post-FIRM Rating Use Post-FIRM ’75–’81 VE, V1–V30 Zone One Floor No Basement/Enclosure/Crawlspace
rates. If LF
1
elevation is 2 or more feet below the BFE
2
, submit the Application to the insurer
for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 52 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO
SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V30
Building Description 2 floors, including hanging floor (see Elevation Certificate, Diagram 5)
Elevating Foundation
of Building
Piers, posts, piles, or columns
Type of Enclosure No enclosure
Machinery or Equipment
Servicing Building
With or without machinery or equipment below the lowest elevated floor
List the value of machinery, equipment, and appliances.
Lowest Floor for Rating Bottom of lowest horizontal structural member
Application Should
Show
Building type — 2 floors
Is building elevated? — Yes
Is area below the elevated floor enclosed? — No
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate if favorable. Use
More Than One Floor No Basement/Enclosure/Crawlspace rate category. If LF
1
elevation is
less than BFE
2
, use Pre-FIRM rate table No Basement/Enclosure category.
Post-FIRM Rating Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than One Floor No Basement/Enclosure/
Crawlspace rates. If LF
1
elevation is 2 or more feet below the BFE
2
, submit the Application to
the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 53 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO
SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V30
Building Description Mobile home without enclosed area (see Elevation Certificate, Diagram 5)
Elevating Foundation
of Building
Piers, posts, piles, or columns
Type of Enclosure Vinyl or aluminum skirting
Machinery or Equipment
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating Bottom of lowest horizontal structural member
Application Should
Show
Building type — Mobile home
Is building elevated? — Yes
Is area below the elevated floor enclosed? — No
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM Manufactured (Mobile)
Home rate if favorable. If LF
1
elevation is less than the BFE
2
, use Pre-FIRM rate table No
Basement/Enclosure category.
Post-FIRM Rating Use Post-FIRM ’75–’81 VE, V1–V30 Zone Manufactured (Mobile) Home rates. If LF
1
elevation
is 1 or more feet below the BFE
2
, submit the Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 54 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO
SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V30
Building Description 1 floor and unfinished enclosed area (see Elevation Certificate, Diagram 6)
Elevating Foundation
of Building
Piers, posts, piles, or columns
Type of Enclosure Enclosure (total area less than 300 sq. ft.) with breakaway walls
Machinery or Equipment
Servicing Building
No machinery or equipment below elevated floor
Lowest Floor for Rating Bottom of lowest horizontal structural member
Application Should
Show
Pre-FIRM Post-FIRM
Building type 2 floors 1 floor
Is building elevated? Yes Yes
Is area below the elevated floor enclosed? Yes No
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate if favorable. Use
One Floor No Basement/Enclosure/Crawlspace rate category. If LF
1
elevation is less than
BFE
2
, use Pre-FIRM rate table With Enclosure category and describe the building as an
elevated building with enclosure.
Post-FIRM Rating Use Post-FIRM ’75–’81 VE, V1–V30 Zone One Floor No Basement/Enclosure/Crawlspace
rate category. If LF
1
elevation is 2 or more feet below the BFE
2
, submit the Application to the
insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 55 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO
SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V30
Building Description 1 floor and unfinished enclosed area (see Elevation Certificate, Diagram 6)
Elevating Foundation
of Building
Piers, posts, piles, or columns
Type of Enclosure Enclosure (total area less than 300 sq. ft.) with breakaway walls
Machinery or Equipment
Servicing Building
With machinery or equipment below elevated floor
Lowest Floor for Rating Bottom of slab
In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal
structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate,
and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4
family residences) 12 inches from the elevation figure found in item C2.a. For buildings other
than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a.
Application Should
Show
Building Type — 2 floors
Is building elevated? — Yes
Is area below the elevated floor enclosed? — Yes
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate if favorable. Use
More Than One Floor With Basement/Enclosure/Crawlspace rate category. If LF
1
elevation is
less than BFE
2
, use Pre-FIRM rate table With Enclosure category.
Post-FIRM Rating Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than One Floor With Basement/Enclosure/
Crawlspace rate category. If LF
1
elevation is 1 or more feet below the BFE
2
, submit the
Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 56 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO
SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V30
Building Description 1 floor and finished or unfinished enclosed area (see Elevation Certificate, Diagram 6)
Elevating Foundation
of Building
Piers, posts, piles, or columns
Type of Enclosure Enclosure (total area 300 sq. ft. or more) with non-breakaway walls or with breakaway walls
Machinery or Equipment
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating Bottom of slab
In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal
structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate,
and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4
family residences) 12 inches from the elevation figure found in item C2.a. For buildings other
than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a.
Application Should
Show
Building type — 2 floors
Is building elevated? — Yes
Is area below the elevated floor enclosed? — Yes
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate if favorable. Use
More Than One Floor With Basement/Enclosure/Crawlspace rate category. If LF
1
elevation is
less than BFE
2
, use Pre-FIRM rate table With Enclosure category.
Post-FIRM Rating Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than One Floor With Basement/Enclosure/
Crawlspace rate category. If LF
1
elevation is 1 or more feet below the BFE
2
, submit the
Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 57 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO
SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V30
Building Description 1 floor and finished or unfinished enclosed area (see Elevation Certificate, Diagram 6)
Elevating Foundation
of Building
Shear walls parallel to the expected flow of floodwaters
Type of Enclosure Both ends enclosed with nonbreakaway walls or breakaway walls (total enclosed area 300 sq.
ft. or more)
Machinery or Equipment
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating Bottom of slab
In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal
structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate,
and the top of the bottom floor is at above the lowest adjacent grade (C2.f), deduct (for 1–4
family residences) 12 inches from the elevation figure found in item C2.a. For buildings other
than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a.
Application Should
Show
Building type — 2 floors
Is building elevated? — Yes
Is area below the elevated floor enclosed? — Yes
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate if favorable. Use
More Than One Floor With Basement/Enclosure/Crawlspace rate category. If LF
1
elevation is
less than BFE
2
, use Pre-FIRM rate table With Enclosure category.
Post-FIRM Rating Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than One Floor With Basement/Enclosure/
Crawlspace rate category. If LF
1
elevation is 1 or more feet below the BFE
2
, submit the
Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 58 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO
SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V30
Building Description 1 floor and finished or unfinished enclosed area (see Elevation Certificate, Diagram 7)
Elevating Foundation
of Building
Solid perimeter load-bearing walls
Type of Enclosure Finished or unfinished enclosure
Machinery or Equipment
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating Bottom of slab
In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal
structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate,
and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4
family residences) 12 inches from the elevation figure found in item C2.a. For buildings other
than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a.
Application Should
Show
Building type — 2 floors
Is building elevated? — Yes
Is area below the elevated floor enclosed? — Yes
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate if favorable. Use
More Than One Floor With Basement/Enclosure/Crawlspace rate category. If LF
1
elevation is
less than BFE
2
, use Pre-FIRM rate table With Enclosure category.
Post-FIRM Rating Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than One Floor With Basement/Enclosure/
Crawlspace rate category. If LF
1
elevation is 1 or more feet below the BFE
2
, submit the
Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 59 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
PRE- AND POST-FIRM RISKS WITH CONSTRUCTION DATES OF 1975 TO
SEPTEMBER 30, 1981, IN FLOOD ZONES VE AND V1–V30
Building Description 2 floors with crawlspace (see Elevation Certificate, Diagram 8)
Elevating Foundation
of Building
Solid perimeter load-bearing walls
Type of Enclosure Unfinished crawlspace
Machinery or Equipment
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating Bottom of slab
Application Should
Show
Building type — 3 or more floors
Is building elevated? — Yes
Is area below the elevated floor enclosed? — Yes
Pre-FIRM Rating
5
If LF
1
elevation is equal to or greater than the BFE
2
, use Post-FIRM rate if favorable. Use
More Than One Floor With Basement/Enclosure/Crawlspace rate category. If LF
1
elevation is
less than BFE
2
, use Pre-FIRM rate table Elevated On Crawlspace category.
Post-FIRM Rating Use Post-FIRM ’75–’81 VE, V1–V30 Zone More Than One Floor With Basement/Enclosure/
Crawlspace rate category. If LF
1
elevation is 1 or more feet below the BFE
2
, submit the
Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 60 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
POST-FIRM RISKS IN FLOOD ZONES VE AND V1–V30 —
CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER
Building Description 1 floor without enclosed area (see Elevation Certificate, Diagram 5)
Elevating Foundation
of Building
Piers, posts, piles, or columns
Type of Enclosure The space below the lowest elevated floor either has no enclosure or has:
(1) Insect screening, provided that no additional supports are required for the screening; or
(2) Wooden or plastic lattice with at least 40 percent of its area open and made of material no
thicker than ½ inch; or
(3) Wooden or plastic slats or shutters with at least 40 percent of their area open and made
of material no thicker than 1 inch; or
(4) The area below the lowest elevated floor is enclosed by a combination of 1 solid breakaway
wall or garage door, and the other sides of the enclosure are insect screening, or wooden
or plastic lattice, slats, or shutters.
Any of these systems must be designed and installed to collapse under stress without
jeopardizing the structural support of the building, so that the impact on the building of
abnormally high tides or wind-driven water is minimized.
Machinery or Equipment
Servicing Building
No machinery or equipment below elevated floor
Lowest Floor for Rating Bottom of lowest horizontal structural member
Application Should
Show
Building type — 1 floor
Is building elevated? — Yes
Is area below the elevated floor enclosed? — No
V-Zone Rating;
Construction Date
October 1, 1981,
and After
Use 1981 Post-FIRM V1–V30, VE Zone Free of Obstruction rates. If LF
1
elevation is 4 or more
feet below the BFE
2
, submit the Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 61 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
POST-FIRM RISKS IN FLOOD ZONES VE AND V1–V30 —
CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER
Building Description 1 floor without enclosed area (see Elevation Certificate, Diagram 5)
Elevating Foundation
of Building
Piers, posts, piles, or columns
Type of Enclosure No enclosure or open-wood latticework or insect screening
Machinery or Equipment
Servicing Building
With machinery or equipment at or above BFE
Lowest Floor for Rating Bottom of lowest horizontal structural member
Application Should
Show
Building type — 1 floor
Is building elevated? — Yes
Is area below the elevated floor enclosed? — No
V-Zone Rating;
Construction Date
October 1, 1981,
and After
Use 1981 Post-FIRM V1–V30, VE Zone Free of Obstruction rates. If LF
1
elevation is 4 or more
feet below the BFE
2
, submit the Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 62 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
POST-FIRM RISKS IN FLOOD ZONES VE AND V1–V30 —
CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER
Building Description 2 floors, including hanging floor (see Elevation Certificate, Diagram 5)
Elevating Foundation
of Building
Piers, posts, piles, or columns
Type of Enclosure No enclosure
Machinery or Equipment
Servicing Building
With or without machinery or equipment below the lowest elevated floor
List the value of machinery, equipment, and appliances.
Lowest Floor for Rating Bottom of lowest horizontal structural member
Application Should
Show
Building type — 2 floors
Is building elevated? — Yes
Is area below the elevated floor enclosed? — No
Post-FIRM Rating Use 1981 Post-FIRM V1–V30, VE Zone Free of Obstruction rates. If LF
1
elevation is 1 or more
feet below the BFE
2
, submit the Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 63 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
POST-FIRM RISKS IN FLOOD ZONES VE AND V1–V30 —
CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER
Building Description 1 floor and unfinished enclosed area (see Elevation Certificate, Diagram 6)
Elevating Foundation
of Building
Piers, posts, piles, or columns
Type of Enclosure Enclosure (total area less than 300 sq. ft.) with breakaway walls
Machinery or Equipment
Servicing Building
Without machinery or equipment below elevated floor
Lowest Floor for Rating Bottom of lowest horizontal structural member
Application Should
Show
Building type — 2 floors
Is building elevated? — Yes
Is area below the elevated floor enclosed? — Yes
V-Zone Rating;
Construction Date
October 1, 1981,
and After
Use 1981 Post-FIRM V1–V30, VE Zone With Obstruction rates. If LF
1
elevation is 4 or more
feet below the BFE
2
, submit the Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 64 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
POST-FIRM RISKS IN FLOOD ZONES VE AND V1–V30 —
CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER
Building Description 1 floor and unfinished enclosed area (see Elevation Certificate, Diagram 6)
Elevating Foundation
of Building
Piers, posts, piles, or columns
Type of Enclosure Enclosure (total area less than 300 sq. ft.) with breakaway walls
Machinery or Equipment
Servicing Building
With machinery or equipment below BFE
Lowest Floor for Rating Bottom of slab
In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal
structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate,
and the top of the bottom floor is at or above the lowest adjacent grade, deduct (for 1–4
family residences) 12 inches from the elevation figure found in item C2.a. For buildings other
than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a.
Application Should
Show
Building type — 2 floors
Is building elevated? — Yes
Is area below the elevated floor enclosed? — Yes
V-Zone Rating;
Construction Date
October 1, 1981,
and After
Submit the Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 65 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
POST-FIRM RISKS IN FLOOD ZONES VE AND V1–V30 —
CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER
Building Description 1 floor and finished or unfinished enclosed area (see Elevation Certificate, Diagram 6)
Elevating Foundation
of Building
Piers, posts, piles, or columns
Type of Enclosure Enclosure (total area 300 sq. ft. or more) with nonbreakaway walls or breakaway walls
Machinery or Equipment
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating Bottom of slab
In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal
structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate,
and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4
family residences) 12 inches from the elevation figure found in item C2.a. For buildings other
than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a.
Application Should
Show
Building type — 2 floors
Is building elevated? — Yes
Is area below the elevated floor enclosed? — Yes
V-Zone Rating;
Construction Date
October 1, 1981,
and After
Submit the Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 66 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
ELEVATED BUILDINGS
POST-FIRM RISKS IN FLOOD ZONES VE AND V1–V30 —
CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER
Building Description 1 floor and finished or unfinished enclosed area (see Elevation Certificate, Diagram 6)
Elevating Foundation
of Building
Shear walls parallel to the expected flow of floodwaters
Type of Enclosure Both ends enclosed with breakaway walls (total enclosed area 300 sq. ft. or more)
Machinery or Equipment
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating Bottom of slab
In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal
structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate,
and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4
family residences) 12 inches from the elevation figure found in item C2.a. For buildings other
than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a.
Application Should
Show
Building type — 2 floors
Is building elevated? — Yes
Is area below the elevated floor enclosed? — Yes
V-Zone Rating;
Construction Date
October 1, 1981,
and After
Submit the Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 67 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate
ELEVATED BUILDINGS
POST-FIRM RISKS IN FLOOD ZONES VE AND V1–V30 —
CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER
Building Description 1 floor and finished or unfinished enclosed area (see Elevation Certificate, Diagram 7)
Elevating Foundation of
Building
Solid perimeter load-bearing walls
Type of Enclosure Finished or unfinished enclosure
Machinery or Equipment
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating Bottom of slab
In V Zones, the lowest floor for rating should reflect the bottom of the lowest horizontal
structural member. If the surveyor used item C2.a in lieu of C2.c of the Elevation Certificate,
and the top of the bottom floor is at or above the lowest adjacent grade (C2.f), deduct (for 1–4
family residences) 12 inches from the elevation figure found in item C2.a. For buildings other
than 1–4 family, deduct 18 inches from the elevation figure found in item C2.a
Application Should
Show
Building type — 2 floors
Is building elevated? — Yes
Is area below the elevated floor enclosed? — Yes
V-Zone Rating;
Construction Date
October 1, 1981,
and After
Submit the Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 68 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate
ELEVATED BUILDINGS
POST-FIRM RISKS IN FLOOD ZONES VE AND V1–V30 —
CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER
Building Description 2 floors with crawlspace (see Elevation Certificate, Diagram 8)
Elevating Foundation
of Building
Solid perimeter load-bearing walls
Type of Enclosure Unfinished crawlspace
Machinery or Equipment
Servicing Building
With or without machinery or equipment below elevated floor
Lowest Floor for Rating Top of the bottom floor (crawlspace)
Application Should
Show
Building type — 3 or more floors
Is building elevated? — Yes
Is area below the elevated floor enclosed? — Yes
V-Zone Rating;
Construction Date
October 1, 1981,
and After
Submit the Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
LFG 69 MAY 1, 2011
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate.
Letters and numbers in parentheses, as “(A8.c)” or
“(C2.a),” correspond to Section A or Section C of the
Elevation Certificate
NON-ELEVATED BUILDINGS
POST-FIRM RISKS IN FLOOD ZONES VE AND V1–V30 —
CONSTRUCTION DATE OCTOBER 1, 1981, AND AFTER
Building Description 2 floors on raised-slab-on-grade or slab-on-stem-wall-with-fill (see Elevation Certificate,
Diagram 1B)
Lowest Floor for Rating Lowest adjacent grade (C2.f)
Application Should
Show
Building type — 2 floors
Basement — None
Is building elevated? — No
V-Zone Rating;
Construction Date
October 1, 1981,
and After
Submit the Application to the insurer for a rate.
1
LF — Lowest Floor
2
BFE — Base Flood Elevation
3
See page LFG 1 for explanation of proper openings
4
HAG — Highest Adjacent Grade
5
See page LFG 3 for optional elevation rating
6
Non-elevated buildings with construction dates of October 1, 1981,
and after are Submit-for-Rate
NOTE: Above references may not apply to this page.
