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<br />
<br />
<br /> Note: In all A Zones, the reference level is the top of the lowest floor; in V Zones the reference level is the bottom of the lowest
<br /> horizontal structural member (see diagram on page 2). Agents should refer to the Flood Insurance Manual for instruction on lowest
<br /> ftoor definition.
<br /> DIAGRAM NUMBER 5 DIAGRAM NUMBER 6
<br /> ALL BUILDINGS, INCLUDING MANUFAC7URED (MOBILE) ALL BUILDINGS, INCLUDING MANUFACTURED (MOBILE)
<br /> HOMES ELEVATED ON PIERS, POSTS, COLUMNS, SHEAR HOMES ELEVATED ON PIERS, POSTS, COLUMNS, SHEAR
<br /> WALLS, WITH OR WITHOUT PARKING AREA BELOW WALLS, WITH OR WITHOUT PARKING AREA BELOW
<br /> EIEVATED FLOOR. ELEVATED FLOOR.
<br /> Distfnguishing Feature - For all zones, the area below the elevated floor Distinguishing Feature - For V Zones only, the area below the elevated
<br /> is open, with no obstruction to the flow of flood waters (open wood lattice floor is enclosed, either partially or fully, by solid breakaway walls." When
<br /> work or readily removable insect screening is permissible). enclosed area is greater than 300 square feet or contains equipment
<br /> servicing the building, use Diagram Number 7; this will result in a higher
<br /> insurance rate. The enclosed area can be used for parking, building access
<br /> or lim'ited storage.
<br /> HIGHER FLOORS HIGHER FLOORS
<br /> (IF ANY) (IF ANY) I I I
<br /> I
<br /> I
<br /> ELEVATED ELEVATED
<br /> FIRST FLDOR FIRST FLOOR
<br /> REFERENCE pEFERENCE
<br /> LEVEL LEVEL
<br /> ENCLOSEDAREA
<br /> -
<br /> DIAGRAM NUMBER 7 DIAGRAM NUMBER 8
<br /> ALL BUILDINGS, INCLUDING MANUFACTURED (MOBILE)
<br /> HOMES ELEVATED ON PIERS, POSTS, COLUMNS, SHEAR ALL BUILDINGS CONSTRUCTED ABOVE AN UNFINISHEb
<br /> WALLS, SOLID NON-BREAKAWAY WALLS, WITH OR SPACE, INCLUDING CRAWL SPACE.
<br /> WlTHOIlT PARIC1uG AREA BELOW ELEVATED FLOOR.
<br /> Distinguishing Feature - For all zones, the area below the elevated floor is Distinguishing Feature - For A Zones only, the area below the first floor is
<br /> enclosed, either partially or fully, by solid non-breakaway walls, or contains enclosed by solid or partial perimeter walis, is unfinished, and contains no
<br /> equipment servicing the building. For V Zones only, the area is enclosed, equipment servicing the structure. The area can be used for parking,
<br /> either partially or fully, by solid breakaway walls*' having an enclosed area building access, or limited storage.
<br /> greater than 300 square feet. For A Zones only, with an area enclosed by
<br /> solid walls having proper openings,`*' and used only for parking, building
<br /> access, or limited storage, use Diagram Number 8 to determine the
<br /> reference level.
<br /> HIGHER FLOORS ~
<br /> HIGHERFLOORS (IFANY) (IF ANY) GRADE
<br /> FIRST FLOOR
<br /> ELEVATED ENGLOSED AREA REFERENCE ~
<br /> FIRST FLOOR LEVEL
<br /> ~
<br /> CRAWLSPACE
<br /> REFERENCE ~ '
<br /> LEVEL Openings
<br /> GRADE
<br /> ' Under the National Flood Insurance Program's risk classification and insurance coverage, a floor that is below ground level (grade) on
<br /> aii sides is considered a basement even though the floor is used for living purposes, or as an office, garage, workshop, etc.
<br /> " Solid breakaway walls are wal/s that are not an integral part of the structural support of a building and are intended through their design
<br /> and construction to coilapse under specific lateral loading forces, without causing damage to the elevated portion o1 the building or
<br /> supporting foundation. An area so enclosed is not secure against forceable entry.
<br /> !f the area below the lowest floor is fully enclosed, then a minimum of two openings are required with a total net area of at least one
<br /> square inch for every square foot of area enclosed with ihe bottom of the openings no more than one foot above grade. Alternatively,
<br /> certification may be provided by a registered professional engineer or architect that the design will allow equalization of hydrostatic
<br /> flood forces on exterior walls. If neither of these criteria are met, then the reference levei is the lowest grade adjacent to the structure.
<br /> Page 6
<br /> ~r U. S. GOVERNMENT PRINTING OFFICE: 1990 723-005/20260
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