Federal Emergency Management Agency
A data type for a kind of basement structure, defined as any level or story which has its floor subgrade on all sides.
none
Finished Basement/Enclosure
Unfinished Basement/Enclosure
Crawlspace
Subgrade Crawlspace
A data type for a kind of basement structure, defined as any level or story which has its floor subgrade on all sides.
A data type for a Community Rating System (CRS) Classification Credit Percentage used to rate the policy. The insurance premium credit is based on whether a property is in or out of the Special Flood Hazard Area (SFHA) as shown on the community's Flood Insurance Rate Map. The premium credit for properties in the SFHA increases according to a community's CRS class. **These percentages are subject to change. Always refer to the Flood Insurance Manual for the latest information.
SFHA 45% ** Non SFHA 10% **
SFHA 0% Non SFHA 0%
SFHA 40% ** Non SFHA 10% **
SFHA 35% ** Non SFHA 10% **
SFHA 30% ** Non SFHA 10% **
SFHA 25% ** Non SFHA 10% **
SFHA 20% ** Non SFHA10% **
SFHA 15% ** Non SFHA 5% **
SFHA 10% ** Non SFHA 5% **
SFHA 5% Non SFHA 5%
A data type for a Community Rating System (CRS) Classification Credit Percentage used to rate the policy. The insurance premium credit is based on whether a property is in or out of the Special Flood Hazard Area (SFHA) as shown on the community's Flood Insurance Rate Map. The premium credit for properties in the SFHA increases according to a community's CRS class.
A data type for a kind of condominium property.
The entire condominium building owned by the association insuring building common elements as well as building elements (additions and alterations) within all units in the building, not eligible under Condominium Master Policy
The entire residential condominium building owned by the association eligible under Condominium Master Policy, insuring the entire condominium building common elements as well as building elements (additions and alterations) within all units in the building, for High-Rise
The entire residential condominium building owned by the association eligible under Condominium Master Policy, insuring the entire condominium building common elements as well as building elements (additions and alterations) within all units in the building, for Low-Rise
Not a condominium
Townhouses
An individual condominium unit owned by a unit owner, or by a condominium association
A data type for a kind of condominium property.
A data type for a location within a structure where contents are located.
Basement/Enclosure/Crawlspace/Subgrade Crawlspace only
Basement/Enclosure/Crawlspace/Subgrade Crawlspace and above
Lowest floor only above ground level (No basement/enclosure/crawlspace/subgrade crawlspace)
Lowest floor above ground level and higher floors (No basement/enclosure/crawlspace/subgrade crawlspace)
Above ground level more than one full floor
Manufactured (mobile) home or travel trailer on foundation
A data type for a location within a structure where contents are located.
A data type for what kind of elevation certificate and rating appear on a policy.
No Elevation Certificate, original effective date prior to October 1, 1982, with no break in insurance coverage or change in insurable interest. Policies will be rated using 'No Base Flood Elevation' +2 to +4 feet rates
No Elevation Certificate, original effective date on or after October 1, 1982, with no break in insurance coverage or change in insurable interest. Policies will be rated using 'No Elevation Certificate' rates
Elevation Certificate with BFE. Policies will be rated using 'With Base Flood Elevation' rates
Elevation Certificate without BFE. Policies will be rated using 'No Base Flood Elevation' rates
A data type for what kind of elevation certificate and rating appear on a policy.
A data type for a flood zone derived from the Flood Insurance Rate Map (FIRM) used to rate the property. *AHB, AOB, ARE, ARH, ARO, and ARA are not risk zones shown on a map, but are acceptable values for rating purposes
Special Flood with no Base Flood Elevation on FIRM
A1-A30: Special Flood with Base Flood Elevation on FIRM
Special Flood with Protection Zone
Special Flood with Base Flood Elevation on FIRM. New zone designation used on new maps starting January 1, 1986, in lieu of A1-A30.
Special Flood with Shallow Ponding
Special Flood with Shallow Ponding
Special Flood with Sheet Flow
Special Flood with Sheet Flow
A Special Flood Hazard Area that results from the decertification of a previously accredited flood protection system that is determined to be in the process of being restored to provide base flood protection
Area subject to flooding from failure of the flood protection system (Zone AR) which also overlap an existing Special Flood Hazard Area as a dual zone
AR/A1-A30: Area subject to flooding from failure of the flood protection system (Zone AR) which also overlap an existing Special Flood Hazard Area as a dual zone
Area subject to flooding from failure of the flood protection system (Zone AR) which also overlap an existing Special Flood Hazard Area as a dual zone
Area subject to flooding from failure of the flood protection system (Zone AR) which also overlap an existing Special Flood Hazard Area as a dual zone
Area subject to flooding from failure of the flood protection system (Zone AR) which also overlap an existing Special Flood Hazard Area as a dual zone
Moderate Flood from primary water source. Pockets of areas subject to drainage problems
Minimal Flood from primary water source. Pockets of areas subject to drainage problems
Possible Flood
Velocity Flood with no Base Flood Elevation on FIRM
V1-V30: Velocity Flood with Base Flood Elevation on FIRM
Velocity Flood with Base Flood Elevation on FIRM. New zone designation used on new maps starting January 1, 1986, in lieu of V1-V30.
Minimal or Moderate Flood from primary water source. Pockets of areas subject to drainage problems. New zone designation used on new maps starting January 1, 1986, in lieu of B and C.
A data type for a flood zone derived from the Flood Insurance Rate Map (FIRM) used to rate the property. *AHB, AOB, ARE, ARH, ARO, and ARA are not risk zones shown on a map, but are acceptable values for rating purposes
A data type for a number of floors in the building.
One floor
Two floors
Three or more floors
Split-level
Manufactured (mobile) home or travel trailer on foundation
Townhouse/Rowhouse with three or more floors (RCBAP Low-rise only)
A data type for a number of floors in the building.
A data type for a kind of obstruction in a building or enclosure.
With obstruction: enclosure/crawlspace with proper openings not used for rating (not applicable in V zones)
With obstruction: less than 300 sq. ft. with breakaway walls, but no machinery or equipment attached to building below lowest elevated floor, or elevation of machinery/equipment is at or above Base Flood Elevation
With obstruction: less than 300 sq. ft. with breakaway walls or finished enclosure and with machinery or equipment attached to building below lowest elevated floor, and elevation of machinery/equipment is below Base Flood Elevation
With obstruction: 300 sq. ft. or more with breakaway walls, but no machinery or equipment attached to building below the Base Flood Elevation
With obstruction: 300 sq. ft. or more with breakaway walls or finished enclosure and with machinery or equipment attached to building below the Base Flood Elevation
With obstruction: no walls, but the elevation of machinery or equipment attached to building is below Base Flood Elevation (NOTE: Use Obstruction Type '10' and Without Obstruction Rate Table if the elevation of machinery/equipment is at or above Base Flood Elevation.)
With obstruction: nonbreakaway walls/crawlspace or finished enclosure with no machinery or equipment attached to building below lowest elevated floor
With obstruction: nonbreakaway walls/crawlspace or finished enclosure with machinery or equipment attached to building below lowest elevated floor
With obstruction
With Certification subgrade crawlspace (AE, A01-A30, unnumbered A, AO, AH, AOB, AHB zones)
Without Certification subgrade crawlspace (all zones)
With Enclosure: Elevated buildings with elevator below the BFE in A zones. No other enclosure below the BFE.
With Obstruction: Elevated buildings with elevator below the BFE in V zones. No other obstruction or machinery and equipment (ME) servicing the building located below the BFE.
With Obstruction: Elevated buildings with elevator below the BFE in V zones. Breakaway wall obstruction is unfinished and elevator and obstruction are located below the BFE, but no machinery and equipment servicing the building is located below the BFE.
With Obstruction: Elevated buildings with elevator below the BFE in V zones. Breakaway wall obstruction is finished or is used for other than parking, building access, or storage.
With Obstruction: Elevated buildings with elevator below the BFE in V zones. No other obstruction, but has ME servicing the building located below the BFE.
With Obstruction: Elevated buildings with elevator below the BFE in V zones. Breakaway walls obstruction and ME servicing the building are located below the BFE.
A data type for a kind of obstruction in a building or enclosure.
A data type for a kind of use and occupancy type of a structure.
1=single family residence
2 to 4 unit residential building
residential building with more than 4 units
Non-residential building
A data type for a kind of use and occupancy type of a structure.
A data type for a kind of policy rating method.
Manual
Specific
Alternative
V-Zone Risk Factor Rating Form
Underinsured Condominium Master Policy
Provisional
Preferred Risk Policy (PRPs issued for eligible properties located within a non-Special Flood Hazard Area [non-SFHA])
Tentative
MPPP Policy
Optional Post-1981 V Zone
Pre-FIRM policies with elevation rating - Flood Insurance Manual rate tables
FEMA Pre-FIRM Special Rates
Leased Federal Property
Group Flood Insurance Policy (GFIP)
Preferred Risk Policy (A PRP renewal issued in the first year following a map revision for an eligible property that was newly mapped into the SFHA by the map revision, or new business written for an eligible property that was newly mapped into the SFHA by a map revision effective on or after October 1, 2008 - PRP Eligibility Extension)
Preferred Risk Policy (subsequent PRP renewals where the previous policy year was reported as a 'P' or 'Q')
FEMA Special Rates
Severe Repetitive Loss Properties (formerly Target Group Full Risk). Effective October 1, 2013, code will no longer be valid
Pre-FIRM policies with elevation rating - Submit-for-Rate procedures
A data type for a kind of policy rating method.