- Base Flood
- Base Flood Elevation (BFE)
- Building Types
- Coastal Barrier Resources Act (CBRA)
- Coastal Barrier Resource System (CRBS)
- Community Number
- Flood Boundary and Floodway Maps (FBFM)
- Federal Emergency Management Agency (FEMA)
- Flood Hazard Boundary Map (FHBM)
- Flood Insurance Rating Map (FIRM)
- Flood Insurance Study (FIS)
- Flood Zones
- Floodplain Management
- Getting Started
- Grade Elevation
- Letters of Map Amendment (LOMA)
- Letter of Map Revision (LOMR)
- National Flood Insurance Program (NFIP)
- Out-As-Shown (OAS)
- Special Flood Hazard Area (SFHA)
- Write Your Own (WYO) Policy
Flood insurance rating gets easier once you know which of the main three building types your structure is.
Slab on Grade: Diagrams 1a, 1b, and 3
Garages Attached to Slab-on-Grade Buildings:
The attached garage could only be excluded as the LFE if all of the following conditions are met:
- The building is described and rated as a single family dwelling
- Building is located in an A Zone.
- The garage floor is below the top of the bottom floor, and
- The garage has proper flood openings, regardless of whether there is or isn’t machinery and equipment below the BFE
Basements: Diagrams 2a, 2b, and 4
According to FEMA, a basement is any area of the building, including any sunken room or sunken portion of a room, having its floor below ground level (subgrade) on all sides.
💡 Remember: A basement is a basement regardless of its use (living, working, storage, etc.).
Elevated: Diagrams 5 & 6
A Zones: If an enclosure is below the BFE and is used only for building access, vehicle parking, or storage, and has proper flood openings, then the enclosure may be excluded as the LFE. V zones: Breakaway walls are not a part of the structural support of the building and are designed to collapse during a flood without causing damage to the foundation or the elevated portion of the building.
💡 Note: In V Zones, breakaway enclosures measuring less than 300 square feet resulting in a lower premium.
Elevated: Diagrams 7, 8, and 9
Vinyl or aluminum skirting that you see around a manufactured home is not an enclosure for rating purposes. However, if the manufactured home sits on solid foundation walls, it can affect the LFE for rating.