Insurance Agents' Lowest Floor Guide

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NATIONAL FLOOD INSURANCE PROGRAMINSURANCE AGENTS’LOWEST FLOOR GUIDE

PUTTING IT INTO PERSPECTIVE Section A and C of the 2015 Elevation Certificate provide fields for entering numerous measurementsthe surveyor must record in completing an elevation survey. This data will be used to help insuranceagents accurately rate a flood insurance policy and assist FEMA and the local communities with theirfloodplain management and compliance issues.This 2015 Elevation Certificate does not specifically identify the Lowest Floor Elevation the insuranceagent must use for rating purposes. The insurance agent must determine the elevation that should beused to accurately rate the policy and calculate the premium based upon his/her knowledge of therules and regulations of the National Flood Insurance Program (NFIP). This guide must be used inconjunction with information provided on the Flood Insurance Application form.WHERE TO GET HELPThe Lowest Floor Guide assists you in determining the lowest floor for rating purposes in the majority ofsituations. However, if you are unable to make the determination, contact your Write Your Own(WYO) Company underwriting staff or the NFIP Direct underwriting department.

Insurance Agent’s Lowest Floor GuideWHERE TO START The following are some suggested guidelines forinterpreting the elevation information in Section C:STEP 1:Review the Elevation Certificate. Find the referencedBuilding Diagram Number in Section A, Item A7.This diagram number refers to one of the buildingdiagrams located on Instructions Pages 7–9 of theElevation Certificate.STEP 2:Once the correct building diagram is determined,review the data contained in Section C, Item C2 ofthe Elevation Certificate. The circled letters andnumbers on the building diagram correspond to theelevations entered in Items C2. a-h in Section C, ItemC2. Check the Lowest Floor Guide found on theinside of this brochure as well as in the NFIP FloodInsurance Manual.STEP 3:Review the Elevation in Item C2.a. If the elevation inItem C2.a is lower than the elevation in Item C2.f, youhave a building with a basement. The correct lowestfloor elevation rating is Item C2.a (Building Diagrams2A, 2B, 4, or 9). For Building Diagrams 1A, 1B, and 3, if Item C2.ais higher than C2.f, the building is slab on grade, ora walkout first level. Rate as no basement and useItem C2.a as the lowest floor elevation for rating. If Item C2.c is given, and the property is in a VZone, Item C2.c is the correct lowest floor elevationfor rating if there are no enclosures (BuildingDiagram 5). If Item C2.c is higher than Item C2.a, then you havean elevated building with enclosure(s) below theelevated level. Use Item C2.c as the lowest floorelevation for rating V Zones when the enclosureis less than 300 sq. ft., the walls are breakaway,and machinery and equipment are elevated at orabove the BFE. Otherwise use the bottom of ItemC2.a when the enclosure is 300 sq. ft. or greater,the walls are supporting walls, or machinery andequipment are below the BFE and an enclosure ofany size exists (Building Diagram 6).IMPORTANT HINT: If Item A8 and/or Item A9 shows flood openings,and the openings are adequate for the squarefootage of the enclosed area, you have an elevatedbuilding with proper venting. The lowest floorelevation for rating is Item C2.b, top of the nexthigher floor, as long as the building is not locatedin a V Zone (Building Diagrams 7 and 8).BUILDING DIAGRAMSDistinguishing Feature: All buildingsLowest Floor Guidefor Zones AO and A(without Estimated BFE)Lowest Floor for Rating: Difference between the top of the bottom floor andhighest adjacent gradeElevation Needed for Rating from FEMA Elevation Certificate: Use the measurementprovided in Item E1. If the top of the bottom floor is below the highest adjacent grade,show this difference as a negative number on the application. For buildings similar todiagrams 6-9 with proper openings, use the measurement provided in Item E2.

Lowest Floor Guide for Zones A, AE, A1–A30, AH, AR, AR DualBUILDING DIAGRAM #1ADistinguishing Feature: The bottom floor is at or above ground levelAll slab-on-grade single- and multiple-floor buildings (other thansplit-level) and high-rise buildings, either detached or row type (e.g.,townhouses); with or without attached garage.(grade) on at least one side.Lowest Floor for Rating: : Top of slab or lower attached garagethere is machinery and equipment below BFE unless the garage isproperly ventedElevation Needed for Rating from FEMA Elevation Certificate:Item C2.a or Item C2.d (if structure has attached garage)BUILDING DIAGRAM #1BDistinguishing Feature: The bottom floor is at or above ground level(grade) on at least one side.All raised slab-on-grade or slab-on-stem-wall-with-fill single- andmultiple-floor buildings (other than split-level) and high-rise buildings,either detached or row type (e.g., townhouses); with or withoutattached garage.Lowest Floor for Rating: Top of slab or lower attached garage ifthere is machinery and equipment below BFE unless the garage isproperly ventedElevation Needed for Rating from FEMA Elevation Certificate:Item C2.a or Item C2.d (if structure has attached garage)BUILDING DIAGRAM #2ADistinguishing Feature: The bottom floor (basement or undergroundAll single- and multiple-floor buildings with basement (other thansplit-level) and high-rise buildings with basement, either detached orrow type (e.g., townhouses); with or without attached garage.garage) is below ground level (grade) on all sides.1Lowest Floor for Rating: Top of basement floorElevation Needed for Rating from FEMA Elevation Certificate:Item C2.aBUILDING DIAGRAM #2BDistinguishing Feature: The bottom floor (basement or undergroundAll single- and multiple-floor buildings with basement (other thansplit-level) and high-rise buildings with basement, either detached orrow type (e.g., townhouses); with or without attached garage.garage) is below ground level (grade) on all sides; most of the height ofthe walls are below ground level on all sides and the door and area ofegress is also below ground level on all sides.1Lowest Floor for Rating: Bottom of slab (basement floor)Elevation Needed for Rating from FEMA Elevation Certificate:Item C2.aBUILDING DIAGRAM #3Distinguishing Feature: The bottom floor (excluding garage) is at orAll split-level buildings that are slab-on-grade, either detached or rowtype (e.g., townhouses); with or without attached garage.above ground level (grade) on at least one side.Lowest Floor for Rating: Top of slabElevation Needed for Rating from FEMA Elevation Certificate:Item C2.aBUILDING DIAGRAM #4Distinguishing Feature: The bottom floor (basement or undergroundAll split-level buildings (other than slab-on-grade), either detached orrow type (e.g., townhouses); with or without attached garage.garage) is below ground level (grade) on all sides.1Lowest Floor for Rating: Top of slab (basement floor)Elevation Needed for Rating from FEMA Elevation Certificate:Item C2.a1 Note: A floor that is below ground level (grade) on all sides is considered a basement even if the floor is used for living purposes, or as an office, garage, workshop, etc.

Lowest Floor Guide for Zones A, AE, A1–A30, AH, AR, AR DualBUILDING DIAGRAM #5Distinguishing Feature: The area below the elevated floor is open, withAll buildings elevated on piers, posts, piles, columns, or parallel shearwalls. No obstructions below the elevated floor.no obstruction to flow of floodwaters (open lattice work and/or insectscreening is permissible).Lowest Floor for Rating: Lowest elevated floorElevation Needed for Rating from FEMA Elevation Certificate:Item C2.aBUILDING DIAGRAM #6Distinguishing Feature: The area below the elevated floor is enclosed,All buildings elevated on piers, posts, piles, columns, or parallel shearwalls with full or partial enclosure below the elevated floor.either partially or fully. In A Zones, the partially or fully enclosed areabelow the elevated floor is with or without openings2 present in the wallsof the enclosure.Lowest Floor for Rating: Lowest elevated floor or top of bottom floor ifconditions in the NFIP Flood Insurance Manual are metElevation Needed for Rating from FEMA Elevation Certificate:Item C2.a or Item C2.bBUILDING DIAGRAM #7Distinguishing Feature: The area below the elevated floor is partially orfully enclosed. In A Zones, the partially or fully enclosed area belowthe elevated floor is with or without openings1 present in the walls ofthe enclosure.All buildings elevated on full-story foundation walls with a partiallyor fully enclosed area below the elevated floor. This includes walkoutLevels, where at least one side is at or above grade. The principal use ofthis building is located in the elevated floors of the building.Lowest Floor for Rating: Lowest elevated floor or top of bottom floor ifconditions in the NFIP Flood Insurance Manual are metElevation Needed for Rating from FEMA Elevation Certificate:Item C2.a or Item C2.bBUILDING DIAGRAM #8Distinguishing Feature: The area below the first floor is enclosed by solidAll buildings elevated on a crawlspace with the floor of the crawlspaceat or above grade on at least one side, with or without attached garage.or partial perimeter walls. In A Zones, the crawlspace is with or withoutopenings1 present in the walls of the crawlspace.Lowest Floor for Rating: The next higher floor or the top of the bottomfloor, if the conditions in the NFIP Flood Insurance Manual (Lowest FloorDetermination) for A zones are metElevation Needed for Rating from FEMA Elevation Certificate:Item C2.a or Item C2.bBUILDING DIAGRAM #9Distinguishing Feature: The bottom (crawlspace) floor is at or belowAll buildings (other than split-level) elevated on a subgrade crawlspacewith or without attached garage.ground level (grade) on all sides.2 (If the distance from the crawlspacefloor to the top of the next higher floor is more than 5 feet, or the crawlspace floor is more than 2 feet below the grade (LAG) on all sides, useDiagram 2.)Lowest Floor for Rating: Top of subgrade crawlspaceElevation Needed for Rating from FEMA Elevation Certificate:Item C2.a2 or Item C2.b21 An “opening” is a permanent opening that automatically allows the free passage of water in both directions without human intervention. Under the NFIP, a minimumof two openings are required for enclosures or crawlspaces. The openings shall provide a total net area of not less than 1 square inch for every square foot of areaenclosed, excluding any bars, louvers, or other covers of the opening. Alternatively, an Individual Engineered Flood Openings Certification or an Evaluation Report issuedby the International Code Council Evaluation Service (ICC ES) must be submitted to document that the design of the openings will allow for the automatic equalization ofhydrostatic flood forces on exterior walls. A window, a door, or a garage door is not considered an opening; openings may be installed in doors. Openings shall be on atleast two sides of the enclosed area. If a building has more than one enclosed area, each area must have openings to allow floodwater to directly enter. The bottom ofthe openings must be no higher than 1 foot above the higher of the exterior or interior grade or floor immediately below the opening. For more guidance on openings seeNFIP Technical Bulletin 1.2 Note: A floor that is below ground level (grade) on all sides is considered a basement even if the floor is used for living purposes, or as an office, garage, workshop, etc.

Lowest Floor Guide for Zones V, VE, V1–V30BUILDING DIAGRAM #1ADistinguishing Feature: The bottom floor is at or above ground level(grade) on at least one side.All slab-on-grade single- and multiple-floor buildings (other thansplit-level) and high-rise buildings, either detached or row type(e.g., townhouses); with or without attached garage.Lowest Floor for Rating: Bottom of slabElevation Needed for Rating from FEMA Elevation Certificate:Item C2.a2BUILDING DIAGRAM #1BDistinguishing Feature: The bottom floor is at or above ground level(grade) on at least one side.All raised slab-on-grade or slab-on-stem-wall-with-fill single- andmultiple-floor buildings (other than split-level) and high-rise buildings,either detached or row type (e.g., townhouses); with or withoutattached garage.Lowest Floor for Rating: Bottom of slabElevation Needed for Rating from FEMA Elevation Certificate:Item C2.a2BUILDING DIAGRAM #2ADistinguishing Feature: The bottom floor (basement or undergroundgarage) is below ground level (grade) on all sides.1All single- and multiple-floor buildings with basement (other thansplit-level) and high-rise buildings with basement, either detached orrow type (e.g., townhouses); with or without attached garage.Lowest Floor for Rating: Bottom of slab (basement floor)Elevation Needed for Rating from FEMA Elevation Certificate:Item C2.a2BUILDING DIAGRAM #2BDistinguishing Feature: The bottom floor (basement or undergroundgarage) is below ground level (grade) on all sides; most of the height ofthe walls are below ground level on all sides and the door and area ofegress is also below ground level on all sides.1All single- and multiple-floor buildings with basement (other thansplit-level) and high-rise buildings with basement, either detached orrow type (e.g., townhouses); with or without attached garage.Lowest Floor for Rating: Bottom of slab (basement floor)Elevation Needed for Rating from FEMA Elevation Certificate:Item C2.a2BUILDING DIAGRAM #3Distinguishing Feature: The bottom floor (excluding garage) is at orAll split-level buildings that are slab-on-grade, either detached or rowtype (e.g., townhouses); with or without attached garage.above ground level (grade) on at least one side.Lowest Floor for Rating: Bottom of slab (lowest floor)Elevation Needed for Rating from FEMA Elevation Certificate:Item C2.a2BUILDING DIAGRAM #4Distinguishing Feature: The bottom floor (basement or undergroundAll split-level buildings (other than slab-on-grade), either detached orrow type (e.g., townhouses); with or without attached garage.garage) is below ground level (grade) on all sides. Buildingsconstructed above crawlspaces that are below grade on all sidesshould also use this diagram.1Lowest Floor for Rating: Bottom of slab (basement floor)Elevation Needed for Rating from FEMA Elevation Certificate:Item C2.a21 Note: A floor that is below ground level (grade) on all sides is considered a basement even if the floor is used for living purposes, or as an office, garage, workshop, etc.2 Use Item C2.c if available; otherwise subtract 12 inches from Item C2.a for one-to-four family residences. For buildings other than one-to-four family residences subtract18 inches from Item C2.a.

Lowest Floor Guide for Zones V, VE, V1–V30BUILDING DIAGRAM #5Distinguishing Feature: The area below the elevated floor is open, with noAll buildings elevated on piers, posts, piles, columns, or parallel shearwalls. No obstructions below the elevated floor.obstruction to flow of floodwaters. Insect screening is permissible, as arewooden or plastic lattice, slats, or shutters if at least 40 percent of theirarea is open. Maximum thickness is ½ inch for lattice, 1 inch for slats orshutters. Any machinery or equipment below the lowest elevated floormust be at or above the BFE.Lowest Floor for Rating: Bottom of lowest horizontal structural memberElevation Needed for Rating from FEMA Elevation Certificate:Item C2.c.2BUILDING DIAGRAM #6Distinguishing Feature: The area below the elevated floor is enclosed,All buildings elevated on piers, posts, piles, columns, or parallel shearwalls with full or partial enclosure below the elevated floor.either partially or fully.Lowest Floor for Rating: Bottom of lowest horizontal structural member, orbottom of slab if conditions in the NFIP Flood Insurance Manual are metElevation Needed for Rating from FEMA Elevation Certificate:Item C2.a or Item C2.c.2BUILDING DIAGRAM #7Distinguishing Feature: The area below the elevated floor is enclosed,either partially or fully.All buildings elevated on full-story foundation walls with a partiallyor fully enclosed area below the elevated floor. This includes walkoutlevels, where at least one side is at or above grade. The principal use ofthis building is located in the elevated floors of the building.Lowest Floor for Rating: Bottom of slab (lowest floor)Elevation Needed for Rating from FEMA Elevation Certificate:Item C2.a.2BUILDING DIAGRAM #8Distinguishing Feature: The area below the first floor is enclosed by solidAll buildings elevated on a crawlspace with the floor of the crawlspaceat or above grade on at least one side, with or without attached garage.or partial perimeter walls.Lowest Floor for Rating: Bottom floorElevation Needed for Rating from FEMA Elevation Certificate:Item C2.a.2BUILDING DIAGRAM #9Distinguishing Feature: The bottom (crawlspace) floor is at or belowAll buildings (other than split-level) elevated on a subgrade crawlspacewith or without attached garage.ground level (grade) on all sides.1 (If the distance from the crawlspace tothe top of the next higher floor is more than 5 feet, or the crawlspace flooris more than 2 feet below the grade (LAG) on all sides, use Diagram 2.)Lowest Floor for Rating: Bottom of subgrade crawlspaceElevation Needed for Rating from FEMA Elevation Certificate:Item C2.a. and Item C2.b.21 Note: A floor that is below ground level (grade) on all sides is considered a basement even if the floor is used for living purposes, or as an office, garage, workshop, etc.2 Use Item C2.c if available; otherwise subtract 12 inches from Item C2.a for one-to-four family residences. For buildings other than one-to-four family residences subtract18 inches from Item C2.a.

FEMA F-44110/2017

1 Note: A floor that is below ground level (grade) on all sides is considered a basement even if the floor is used for living purposes, or as an office, garage, workshop, etc. Lowest Floor Guide for Zones A, AE, A1–A30, AH, AR, AR Dual

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