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Discount Type	Eligibility Rule	Where to Find Details
Pre-FIRM Discount	- Building constructed before the community’s FIRM effective date. - Discount lost if lapse in coverage.	Section 3, Page 3-3
	- Substantial improvements or damage repairs exceeding 50% of market value. - Change in occupancy or use.	Section 3, Page 3-4
	- Switching WYO carriers post-Risk Rating 2.0 implementation.	Section 3, Page 3-5
Newly Mapped Discount	- Property must have been in a non-Special Flood Hazard Area before reclassification.	Section 3, Page 3-6
	- Discount only available within 12 months of flood map change. - Lapse in coverage cancels discount.	Section 3, Page 3-7
	- Non-compliance with NFIP building standards.	Section 3, Page 3-7
Annual Increase Cap	- No lapse in coverage allowed. - Primary use of building cannot change.	Section 3, Page 3-8
	- Substantial improvement or reconstruction triggers full-risk rating.	Section 3, Page 3-9
	- Transferring to a different WYO carrier may impact rate increases.	Section 3, Page 3-9
Real Estate Transaction	- No prior NFIP policy on the property. - Not purchased within the last 12 months.	Section 3, Page 3-10
	- Prior policy rated using a legacy method not applicable under Risk Rating 2.0.	Section 3, Page 3-11
	- Change in occupancy or use (e.g., primary residence to rental). - Lapse in coverage by prior owner.	Section 3, Page 3-11