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| For a property to qualify under this exception, there must be a '''physical change in the Flood Hazard Boundary Map (FHBM) or Flood Insurance Rate Map (FIRM)''' that results in a '''zone designation change''' for a specific building. This means that:
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| # The '''previous flood zone''' did not classify the property within an SFHA.
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| # The '''updated flood map''' now places the property '''inside an SFHA'''.
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| === Examples of Zone Designation Changes That Qualify ===
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| ==== Example 1: Zone X to Zone AE ====
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| * '''Before the Map Revision:''' A homeowner’s property was in '''Zone X''' (a moderate-to-low-risk flood zone), meaning flood insurance was optional.
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| * '''After the Map Revision:''' A new flood study indicates a higher flood risk, and FEMA updates the map, placing the home in '''Zone AE''' (a high-risk SFHA).
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| * '''Eligibility for Exception:''' The property qualifies for the '''1-day waiting period''' if the policy application and full payment are submitted within 13 months of the map change.
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| ==== Example 2: Zone B to Zone VE ====
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| * '''Before the Map Revision:''' A coastal property was in '''Zone B''', which carries a lower flood risk and does not require flood insurance for federally backed loans.
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| * '''After the Map Revision:''' Due to erosion and updated flood modeling, FEMA reclassifies the area as '''Zone VE''', a high-risk coastal flood zone.
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| * '''Eligibility for Exception:''' The owner is eligible for the 1-day waiting period under the Map Revision Exception if the application is submitted within the specified timeframe.
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| === Scenarios That Do Not Qualify ===
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| # '''No Change in SFHA Status'''
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| #* If a property was already within an SFHA '''before''' the map revision and remains in an SFHA '''after''', it does not qualify for the exception.
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| #* Example: A home was in '''Zone AE''' before the update, and the new map still shows it in '''Zone AE'''.
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| # '''Zone Change That Does Not Increase Flood Risk'''
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| #* If a property moves from one SFHA designation to another, but there is no significant increase in flood risk, it '''may not''' qualify.
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| #* Example: A property shifts from '''Zone AE to Zone AO''', both of which are SFHAs. This may not be considered a significant change.
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| # '''Zone Change That Lowers Flood Risk'''
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| #* If a property is removed from an SFHA (e.g., Zone AE to Zone X), the exception does not apply because flood insurance is now optional.
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