NFIP Newly Mapped Eligibility: Difference between revisions

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The '''Newly Mapped Discount''' allows NFIP policyholders to qualify for a [[Statutory Discount]] when a building's flood zone designation changes due to a FEMA map revision. This discount reduces the policy premium without changing the rating, provided the eligibility requirements are met.
The '''Newly Mapped Discount''' allows NFIP policyholders to qualify for a [[Statutory Discounts|Statutory Discount]] when a building's flood zone designation changes due to a FEMA map revision. This discount reduces the policy premium without changing the rating, provided the eligibility requirements are met.


== Eligibility Requirements ==
== Eligibility Requirements ==
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|-
|-
| Application within 24 Months
| Application within 24 Months
| The insurer must receive the '''Application Form''', the '''full amount due''', and a lender's letter dated within '''45 days''' from the effective date of the flood map revision.
| The insurer must receive the '''Application Form''', the '''full amount due''', and a lender's letter requiring flood insurance coverage dated within '''45 days''' from the effective date of the flood map revision. [https://www.fema.gov/sites/default/files/documents/fema_nfip_flood-insurance-manual_042024.pdf#page=111]
|-  
|-  
| Eligible Buildings
| Eligible Buildings
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== Validation with Flood Zone Determinations ==
== Validation with Flood Zone Determinations ==
Flood Zone Determinations can be used to validate eligibility for the Map Revision Exception.
Flood Zone Determinations can be used to validate eligibility for the Newly Mapped Discount.
[[File:Img-map-rev-01.png|left|800px|link=]]
[[File:Img-map-rev-01.png|left|800px|link=]]
{{clear}}
{{clear}}
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# Prior Flood Zone
# Prior Flood Zone


In the image above, the property is eligible for the Map Revision Exception so long as application/request and premium are received before December 24, 2025.
In the image above, the property is eligible for the Newly Mapped Discount so long as application/request and premium are received on or before November 23, 2025.


Review the sections below for more information about how these details confirm eligibility.
Review the sections below for more information about how these details confirm eligibility.


== Flood Map Changes ==
== Flood Map Changes ==
First, there must be a '''Physical Map Revision''' of either a Flood Hazard Boundary Map (FHBM) or a Flood Insurance Rate Map (FIRM).  
First, there must be a '''Physical Map Revision''' of a Flood Insurance Rate Map (FIRM). A building mapped into a [[Special Flood Hazard Area]] on the community's initial FIRM does not qualify for this discount. In other words, buildings previously located in an [[Emergency Program]] community do not qualify.
 
If the zone is changed by means of a '''Letter of Map Amendment''' (LOMA) or a '''Letter of Map Revision''' (LOMR), then the property does not qualify for the Map Revision Exception.
 
Also, local zoning and planning offices do not have the authority to authorize NFIP map revisions. A community that equivocates a local map change to an NFIP map change does not grant eligibility for the Map Revision Exception to any property under its jurisdiction.  
 
== New SFHA Designation ==


[[File:Img-FEMA-Map Change-01.png|400px|link=]]
[[File:Img-FEMA-Map Change-01.png|400px|link=]]


Next, the Physical Map Revision must result in a '''zone designation change''' for a specific building. This means that:
Next, the Physical Map Revision must result in a '''new SFHA designation''' for a specific building. This can be done one of two ways:


# The '''previous flood zone''' did not classify the property within an SFHA.
# The '''previous flood zone''' was previously in zone B, C, or X and then remapped to a SFHA.
# The '''updated flood map''' now places the property '''inside an SFHA'''.
# The '''previous flood zone''' was previously in zone D, AR, or A99 and then remapped to a different SFHA.
<small>''Flood Hazard Boundary Maps do not contain flood zones, so remapping from FHBMs into SFHAs qualifies for Map Revision.''</small>


=== Eligible Scenarios ===
=== Eligible Scenarios ===
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! After the Map Revision
! After the Map Revision
|-  
|-  
| colspan = 2 style="background:#d3eddb;" | '''Example 1: FHBM to FIRM/Zone AE'''
| colspan = 2 style="background:#d3eddb;" | '''Example 1: Zone B to Zone AE'''
|-
|-
| A homeowner’s property was located in an Emergency Program community with a Flood Hazard Boundary Map (FHBM).
| A homeowner’s property was located in an Emergency Program community with a Flood Hazard Boundary Map (FHBM).
| A new Flood Insurance Rate Map (FIRM) was created for the community that placed the home in '''Zone AE''' (a SFHA).
| A new Flood Insurance Rate Map (FIRM) was created for the community that placed the home in '''Zone AE''' (a SFHA).
|-  
|-  
| colspan = 2 style="background:#d3eddb;" | '''Example 2: Zone B to Zone VE'''  
| colspan = 2 style="background:#d3eddb;" | '''Example 2: Zone D to Zone A99'''  
|-
|-
| A coastal property was in '''Zone B''', which carries a lower flood risk and does not require flood insurance for federally backed loans.
| A rural property was in '''Zone D''', which carries an undetermined flood risk and does not require flood insurance for federally backed loans.
| Due to erosion and updated flood modeling, FEMA reclassifies the area as '''Zone VE''', a high-risk coastal flood zone.
| The FIRM was updated to show an under-construction levee that will eventually reduce the zone to a non-SFHA. However, until the levee's completion, the zone was designated as A99, a SFHA.
|}
|}


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|}
|}


== Application and Premium within 13 Months ==
== Lender's Notification ==


Finally, the insurer must receive the Application Form and full premium payment within 13 months of the effective date of the Physical Map Revision.
Finally, the insurer must receive the Application Form and full premium payment within 12 months of the effective date of the Physical Map Revision unless a '''lender's notification''' (usually a mailed letter) accompanies the application.


If the application and payment are submitted after the 13-month window, the property is no longer eligible for the Map Revision Exception, and the standard 30-day waiting period applies.
<blockquote>The policyholder applied for the policy within 45 days of initial lender notification, if the notification occurred within 24 months of the effective FIRM
revision date. Note: The insurer must retain a copy of the lender notification in the underwriting file.</blockquote>


This deadline is strictly enforced, and no extensions or exceptions are granted. Property owners and agents must verify the FIRM revision date and ensure timely submission to benefit from the 1-day waiting period under this exception.
A lender's notification allows the 12-month eligibility period to be extended to 24 months. A copy of the document must be uploaded to the policy.
{| class="wikitable"
!'''Requirement'''
!'''Details'''
|-
|'''Triggering Event'''
|FEMA revises a Flood Insurance Rate Map (FIRM) or Flood Hazard Boundary Map (FHBM), reclassifying a property from a lower-risk flood zone into a Special Flood Hazard Area (SFHA).
|-
|'''Eligibility Window'''
|The NFIP insurer must receive the '''Application Form''' and '''full premium payment''' within '''13 months''' from the map revision’s effective date.
|-
|'''Waiting Period Reduction'''
|If all conditions are met within the 13-month period, the '''standard 30-day waiting period''' is reduced to '''1 day'''.
|-
|'''Late Applications (Beyond 13 Months)'''
|If the policy application and premium payment are received '''after the 13-month window''', the '''30-day waiting period applies''', and the Map Revision Exception does not apply.
|}


== Additional Resources ==
== Additional Resources ==
* [[Waiting Periods]]
* [[NFIP Discounts]]
* [[NFIP Effective Date Calculation]]
* [[Statutory Discounts]]
 


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{{nfip}}
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Latest revision as of 13:33, 18 February 2025

The Newly Mapped Discount allows NFIP policyholders to qualify for a Statutory Discount when a building's flood zone designation changes due to a FEMA map revision. This discount reduces the policy premium without changing the rating, provided the eligibility requirements are met.

Eligibility Requirements

To qualify for the Newly Mapped Discount, the following conditions must be satisfied:

Requirement Description
FEMA Flood Map Change The exception applies only when NFIP Maps are revised.
New SFHA Designation The revision results in a building being newly designated within a Special Flood Hazard Area where it was previously not in one.
Application within 12 Months The insurer must receive the Application Form and the full amount due within 12 months from the effective date of the flood map revision.
Application within 24 Months The insurer must receive the Application Form, the full amount due, and a lender's letter requiring flood insurance coverage dated within 45 days from the effective date of the flood map revision. [1]
Eligible Buildings The exception applies to all eligible buildings, including those owned by condominium associations.

If these eligibility requirements are not met, then the Newly Mapped Discount will not apply.

Validation with Flood Zone Determinations

Flood Zone Determinations can be used to validate eligibility for the Newly Mapped Discount.

Three areas on the document should be reviewed to confirm eligibility.

  1. Current Flood Zone
  2. Current Map Revision Date
  3. Prior Flood Zone

In the image above, the property is eligible for the Newly Mapped Discount so long as application/request and premium are received on or before November 23, 2025.

Review the sections below for more information about how these details confirm eligibility.

Flood Map Changes

First, there must be a Physical Map Revision of a Flood Insurance Rate Map (FIRM). A building mapped into a Special Flood Hazard Area on the community's initial FIRM does not qualify for this discount. In other words, buildings previously located in an Emergency Program community do not qualify.

Next, the Physical Map Revision must result in a new SFHA designation for a specific building. This can be done one of two ways:

  1. The previous flood zone was previously in zone B, C, or X and then remapped to a SFHA.
  2. The previous flood zone was previously in zone D, AR, or A99 and then remapped to a different SFHA.

Eligible Scenarios

Before the Map Revision After the Map Revision
Example 1: Zone B to Zone AE
A homeowner’s property was located in an Emergency Program community with a Flood Hazard Boundary Map (FHBM). A new Flood Insurance Rate Map (FIRM) was created for the community that placed the home in Zone AE (a SFHA).
Example 2: Zone D to Zone A99
A rural property was in Zone D, which carries an undetermined flood risk and does not require flood insurance for federally backed loans. The FIRM was updated to show an under-construction levee that will eventually reduce the zone to a non-SFHA. However, until the levee's completion, the zone was designated as A99, a SFHA.

Ineligible Scenarios

Before the Map Revision After the Map Revision Criteria for Ineligibility
Example 1: FHBM to FIRM/Zone X
A homeowner’s property was located in an Emergency Program community with a Flood Hazard Boundary Map (FHBM). A new Flood Insurance Rate Map (FIRM) was created for the community that placed the home in Zone X (a Non-SFHA). Although there was a Physical Map Revision, the property is in a Non-SFHA. NFIP coverage is voluntary.
Example 2: Zone AE to Zone VE
A coastal property was in Zone AE, which carries a moderate flood risk. Due to erosion and updated flood modeling, FEMA reclassifies the area as Zone VE, a high-risk coastal flood zone. The property was already in a SFHA prior to the map revision.
Example 3: Zone AE to Zone C
An urban property was in Zone AE, which carries a moderate flood risk. Due to community earthworks projects, FEMA reclassifies the area as Zone C, a low risk zone. The zone went from a SFHA to a Non-SFHA, making NFIP coverage optional.

Lender's Notification

Finally, the insurer must receive the Application Form and full premium payment within 12 months of the effective date of the Physical Map Revision unless a lender's notification (usually a mailed letter) accompanies the application.

The policyholder applied for the policy within 45 days of initial lender notification, if the notification occurred within 24 months of the effective FIRM revision date. Note: The insurer must retain a copy of the lender notification in the underwriting file.

A lender's notification allows the 12-month eligibility period to be extended to 24 months. A copy of the document must be uploaded to the policy.

Additional Resources

This page contains information about the NFIP. Find more NFIP Resources.

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