NFIP Map Revision Eligibility

The Map Revision Exception allows certain NFIP policyholders to qualify for a reduced waiting period when a building's flood zone designation changes due to a FEMA map revision. This exception reduces the standard 30-day waiting period to a 1-day waiting period, provided the eligibility requirements are met.

Eligibility Requirements

To qualify for the Map Revision Exception, the following conditions must be satisfied:

1. FEMA Flood Map Change: The exception applies only when NFIP Maps are revised.
2. 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.
3. Application within 13 Months:
   • The insurer must receive the Application Form (or endorsement request) and the full amount due within 13 months from the effective date of the flood map revision.
   • If the submission occurs after 13 months, the standard 30-day waiting period applies instead of the 1-day waiting period.
4. Eligible Buildings:
   • The exception applies to all eligible buildings, including those owned by condominium associations.

Effective Date Determination

The effective date of a new policy or endorsement adding or increasing coverage under the Map Revision Exception is based on when the insurer receives the application and payment. The table below outlines the key scenarios:

Receipt Date	Effective Date	Example
If the insurer receives the Application Form and full payment within 10 calendar days from the application date (application date + 9 days)	The effective date will be 12:01 a.m. (local time) on the next calendar day after the application date.	If the map revision was effective on January 5, the application date is May 13, and the insurer receives the payment on May 17, the effective date is May 14.
If the Application Form and full payment are mailed by certified mail within 4 calendar days from the application date (application date + 3 days), regardless of when the insurer receives them	The effective date will be 12:01 a.m. (local time) on the next calendar day after the application date.	If the map revision was effective on January 5, the application date is May 13, and the agent mails the payment via certified mail on May 15, then the effective date is May 14, even if the insurer receives the payment on May 26.
If the insurer receives the Application Form and full payment after 10 calendar days from the application date and the payment was NOT mailed by certified mail within 4 calendar days	The effective date will be 12:01 a.m. (local time) on the next calendar day after the insurer’s receipt date.	If the map revision was effective on January 5, the application date is May 13, and the insurer receives the payment on May 28, then the earliest effective date is May 29.

Additional Considerations

• This exception applies only to buildings newly mapped into an SFHA. If a building was already in an SFHA before the map revision, it does not qualify for this exception.