FEMA Issues Bulletin W-16041: Waiver of Elevated Building Coverage Limitation Only in A Zones
Bulletin W-04091, dated Nov. 19, 2004, provided guidance regarding the waiver of the
elevated building coverage limitation. This bulletin clarifies that the waiver described in Bulletin
W-04091 only applies to buildings located in Special Flood Hazard Area zones beginning
with the letter A where a BFE is available.
Buildings located in SFHAs beginning with the letter V
do not qualify for this waiver.
The waiver is available in instances where the lowest floor of a Post-FIRM elevated building in an
A zone is at or above the Base Flood Elevation, but where the lowest adjacent grade next to
the building is below the BFE.
The NFIP permits this waiver because although a Letter of Map
Amendment or a Letter of Map Revision is not available, the building complies with floodplain
management ordinances that require the lowest floor of the building to be at or above the BFE.
If you have any questions, please contact the NFIP Bureau and Statistical Agent’s Underwriting
Department at firstname.lastname@example.org.