2/13/2013. Section 1 - A Zone Building Rating. Section 2 - V Zone Building Rating. Section 3 Rating procedure. Section 4 A Zone Examples

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1 National Flood Insurance Program 1 FEMA All rights reserved Training Agenda for Elevation Rating Section 1 - A Zone Building Rating Section 2 - V Zone Building Rating Section 3 Rating procedure Section 4 A Zone Examples Section 5 V Zone Examples Section 6 - Resources 2 1

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3 Section 1 A Zone Elevation Rating 5 What are A Zones? Special Flood Hazard Areas (SFHAs) A, A1-A30, AE, AO, AH, AR, A99 & V Zones A Aqua/Darkly Zones - 1% or greater shaded chance area of on a Flood being flooded in any given year, and a 26% Insurance or greater Rate chance Map of flooding (FIRM) during a 30 year mortgage 1% or greater chance of being flooded in any given year (100-year floodplain) 26% or greater chance of flooding during a 30-year mortgage period. 6 3

4 Non-Elevated Buildings A Zone Diagrams 1A, 1B, 2, 3, 4, 9 7 Non-Elevated Buildings A Zone Rule: The lowest Floor used for rating is the building s lowest floor including a basement. Example Diagram 1A Slab on Grade 8 4

5 Non-Elevated Buildings A Zone Rule: The Lowest Floor used for rating is the building s lowest floor including a basement. Example Diagram 1A Slab on Grade SLAB 9 Non-Elevated Buildings A Zone Rule : An attached garage floor below the can be excluded as the lowest floor for rating, if the garage has no machinery or equipment. C2d (HAG) SLAB (LAG) 10 5

6 Non-Elevated Buildings A Zone Rule : An attached garage floor below the has machinery and equipment, it can be excluded as the lowest floor for rating, if: 1. Building is a single family dwelling, Non-elevated, A Zone building 2. Garage floor is below the level of the building and below the 3. Garage has proper openings C2d (HAG) SLAB H W (LAG) 11 Non-Elevated Buildings A Zone Rule: The lowest Floor used for rating is the building s lowest floor including a basement. Example Diagram 2, 4, Basement; Diagram 9 Subgrade Crawlspace 12 6

7 Non-Elevated Buildings Rule: The lowest Floor used for rating is the building s lowest floor including a basement. Example Diagram 2 C2f LAG BASEMENT LAG 13 Elevated Buildings - A Zones Diagrams,

8 Elevated Buildings in A Zones Rule: If an Elevated Building is located in an A Zone and 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. 1. The enclosed space is finished 2. The unfinished enclosure space is used as living area 3. The enclosure has no proper flood vents C2b vent ENCLOSURE vent

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10 Elevated Buildings A Zone Proper Opening Requirements A minimum of 2 Openings on two different walls 19 Elevated Buildings A Zone Proper Opening Requirements Total net area of the openings must equal in square inches the total area of the enclosure in square footage. A8a: Foundation Perimeter = 600 Square Feet Foundation Perimeter = 600 Square Feet A8c: Square Inches of Vents = 600 Square Inches 20 10

11 Elevated Buildings in A Zones Proper Opening Requirements The bottom of all openings must be no higher than 1 foot above exterior or interior grade. Item A8b 1 FOOT 21 Elevated Buildings in A Zones Proper Opening Requirements The flood vents must require no human intervention to open. Must be opened or open automatically 22 11

12 Elevated Buildings in A Zones Engineered Openings Used as an alternate to traditional vents. 24 Elevated Buildings in A Zones Engineered Openings Documentation needed: 1. Certificate 2. An Evaluation report, from the International Code Council Evaluation Service Inc

13 Crawlspace Buildings in A Zones - Diagrams 8, 9 26 Elevated Buildings in A Zones - Crawlspace Diagram 8 Lowest Floor for Rating C2b vent CRAWLSPACE vent 27 13

14 Elevated Buildings in A Zones - Crawlspace Proper Openings Garage Only Use Crawlspace floor EC Item C2.a Proper Openings Crawlspace Only Use Garage Floor EC Item C2.d Proper Openings Garage & Crawlspace Use Top of the Next Higher Floor EC Item C2.b C2b C2d vent CRAWLSPACE vent 28 Section 2 V Zone Elevation Rating 29 14

15 Elevated Buildings in a V Zones 30 Elevated Buildings in a V Zones 31 15

16 Elevated Buildings in a V Zones C2c 32 Elevated Buildings in a V Zones Must be unfinished Used only for Parking, Storage, and entry C2c Enclosure Unfinished 33 16

17 Elevated Buildings in a V Zones Must be unfinished Used only for Parking, Storage, and entry Machinery and Equipment elevated at or above the H W Enclosure AC 34 Elevated Buildings in a V Zones Must be unfinished Used only for Parking, Storage, and entry Machinery and Equipment elevated above the Breakaway Walls/Non Load-bearing H W Enclosure 35 17

18 Elevated Buildings in a V Zones Must be unfinished Used only for Parking, Storage, and entry Machinery and Equipment elevated above the Breakaway Walls/Non Load-bearing Enclosed Space is less than 300 Square Feet Enclosure H W 10 ft - 1 ft 9 ft 36 Section 3 Elevation Rating Procedure 37 18

19 Interpreting the EC 1. Determine Diagram Section A 2 38 Interpreting the EC 1. Determine Diagram 2. Determine Zone and Section B 39 19

20 Interpreting the EC 1. Determine Diagram 2. Determine Zone and 3. Check the Building Elevations in Section C2 of the EC Section C 40 Interpreting the EC 1. Determine Diagram 2. Determine Zone and 3. Check the Building Elevations in Section C2 of the EC 4. Using the established rules, determine the lowest elevation for rating Section C

21 Section 4 A Zone Examples 42 Examples A Zones 43 21

22 Diagram 1A A Zones Pre-FIRM Rating SLAB 44 SLAB 45 22

23 Pre-FIRM Rating SLAB.76 / Pre-FIRM Rating SLAB.95 /

24 Diagram 1A A Zones C2b SLAB Optional Elevation Rating (using Post-FIRM rates) SLAB.25 /

25 Post-FIRM Rating SLAB 2 or more ft below : SUBMIT for RATE 50 Diagram 1A (A Zones) C2d SLAB x

26 SLAB 52 Post-FIRM Elevation Rating SLAB.25 /

27 Diagram 1B- A Zones C2b Stem Wall with fill Stem Wall with fill 55 27

28 Poll Diagram 1B- A Zones C2b C2d Stem Wall with fill Diagram 2- A Zones C2b BASEMENT

29 BASEMENT 58 Pre-FIRM Rating BASEMENT.81/

30 Post-FIRM Rating BASEMENT.43 / Diagram 3- A Zones C2b

31 62 Diagram 4 A Zones C2b BASEMENT

32 BASEMENT 64 Diagram 5 A Zones C2b C2c

33 66 Diagram 6- A Zones C2b C2c Enclosure

34 C2b Enclosure 68 Diagram 7 A Zones C2b vent ENCLOSURE vent vent

35 C2b ENCLOSURE vent vent vent 70 Diagram 8 A Zones C2b vent CRAWLSPACE vent

36 C2b vent CRAWLSPACE vent 72 C2b Pre-FIRM Rating ve nt CRAWLSPACE ve nt.76 /

37 Post-FIRM Rating C2b ve nt CRAWLSPACE ve nt.57 / Diagram 9 A Zones C2b vent SUB CRAWLSPACE vent

38 Diagram 9 A Zones C2b vent SUB CRAWLSPACE vent 5 ft Sub-Grade Crawlspace 2 ft 76 vent SUB CRAWLSPACE vent 77 38

39 Pre-FIRM Rating ve nt SUB CRAWLSPACE ve nt.76 / Optional Elevation Rating (using Post-FIRM rates) ve nt SUB CRAWLSPACE ve nt.43 /

40 Section 5 V Zone Examples 80 Examples V Zones 81 40

41 Diagram 5 V Zones C2c AC C2c AC 83 41

42 Post-FIRM Rating 220,000 x.82 = $1, C2c AC Diagram 6 V Zones C2b C2c Enclosure AC

43 C2c Enclosure AC 86 Post-FIRM Rating 250,000 x 1.77 = $4, C2c Enclosure AC

44 Post-FIRM Rating 250,000 x 4.15 = $10, $10,375 AC $4,425 Enclosure C2c $5, Section 6 Resources 89 44

45 Resources Online at the Flood Insurance Library: 90 NFIP iservice

46 FloodSmart.gov 92 Evaluations - Online We appreciate your participation in this top specific webinar on Elevation Rating and look forward to your feedback. Please take time to complete and help us improve our training effort! THANK YOU! 93 46

47 Follow us on Like us on Facebook at: facebook.com/nfiptraining EC made EZ on demand: VIEW HERE AT ANYTIME LIKE. FOLLOW. LEARN 94 Resources for Insurance Agents and their Clients NFIP Training The NFIP/H2O webinars and instructor-led training seminars may be accessed at: Agents Lenders Here is the contact information of trainers: Dorothy Martinez: Melanie Graham Rich Slevin: Rich Waalkes Sonja Wood 95 47

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