|  A - B  |  C  |  D - F  |  G - L  |  M - N  |  O - R  |  S - Z  |

G

• General Property Form--See Standard Flood Insurance Policy--General Property Form.

• Grade Elevation--The lowest or highest finished ground level that is immediately adjacent to the walls of the building. Use natural (pre-construction), ground level, if available, for Zone AO and Zone A (without BFE).

• Grandfathering--An exemption based on circumstances previously existing. Under the NFIP, buildings located in Emergency Program communities and Pre-FIRM buildings in the Regular Program are eligible for subsidized flood insurance rates. Post-FIRM buildings in the Regular Program built in compliance with the floodplain management regulations in effect at the start of construction will continue to have favorable rate treatment even though higher base flood elevations or more restrictive, greater risk zone designations result from FIRM revisions.

• Group Flood Insurance--Issued by the NFIP Direct Program in response to a Presidential disaster declaration. Disaster assistance applicants, in exchange for a modest premium, receive a minimum amount of building and/or contents coverage for a 3-year policy period. An applicant may cancel the group policy at any time and secure a regular Standard Flood Insurance Policy through the NFIP.

H

• High-Rise Building--High-rise condominium buildings have five or more units and at least three floors excluding enclosure even if it is the lowest floor for rating purposes. An enclosure below an elevated building, even if it is the lowest floor for rating purposes, cannot be counted as a floor to avoid classifying the building as low rise.

• Historic Building--Any building that is any of the following:

A - Listed individually in the National Register of Historic places (a listing maintained by the Department of the Interior) or preliminarily determined by the Secretary of the Interior as meeting the requirements for individual listing on the National Register;

B - Certified or preliminarily determined by the Secretary of the Interior as contributing to the historical significance of a registered historic district or a district preliminarily determined by the Secretary to qualify as a registered historic district;

C - Individually listed in a state inventory of historic places in states with preservation programs that have been approved by the Secretary of the Interior;

D - Individually listed on a local inventory of historic places in communities with historic preservation programs that have been certified either:
 • By an approved state program as determined by the Secretary of the Interior; or
 • Directly by the Secretary of the Interior in states without approved programs.

I

• Improvements and Betterments--Fixtures, alterations, installations, or additions made or acquired solely at a tenant’s expense and comprising part of an insured building.

• Increased Cost of Compliance--Coverage for expenses a property owner must incur, above and beyond the cost to repair the physical damage the structure actually sustained from a flooding event, to comply with mitigation requirements of State or local floodplain management ordinances or laws. Acceptable mitigation measures are elevation, flood proofing, relocation, demolition, or any combination thereof.

L

• Letter of Determination Review (LODR)--FEMA's ruling on the determination made by a lender or third party that a borrower's building is in a Special Flood Hazard Area(SFHA). A LODR deals only with the location of a building relative to the SFHA boundary shown on the Flood Insurance Rate Map.

• Letter of Map Amendment (LOMA)--An amendment to the currently effective FEMA map which establishes that a property is not located in a Special Flood Hazard Area. A LOMA is issued only by FEMA.

• Letter of Map Revision (LOMR)--An official amendment to the currently effective FEMA map. It is issued by FEMA and changes flood zones, delineations, and elevations.

• Loss in Progress--A loss that is already in progress as of 12:01 a.m. on the first day of the policy term; or, as to any increase in the limits of coverage which is requested, a loss that is already in progress when the additional coverage is requested.

• Lowest Adjacent Grade--The lowest point of the ground level next to the building.

• Lowest Floor--The lowest floor of the lowest enclosed area (including a basement). An unfinished or flood-resistant enclosure, usable solely for parking of vehicles, building access, or storage in an area other than a basement area, is not considered a building's lowest floor provided that such enclosure is not built so as to render the structure in violation of requirements.

• Lowest Floor Elevation (LFE)--The measured distance of a building's lowest floor above the National Geodetic Vertical Datum (NGVD) or other datum specified on the FIRM for that location.

• Low-Rise Building--Low-rise condominium buildings having fewer than five units regardless of the number of floors or five or more units with fewer than three units including basement. All townhouses/rowhouses, regardless of the number of floors or units, and all single-family detached condominium buildings are classified as low rise. An enclosure below an elevated building, even if it is the lowest floor for rating purposes, cannot be counted as a floor to avoid classifying the building as a low rise.

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