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561.1 . 61.8 Applicability of risk premium rates. 61.9 Establishment of chargeable rates. 61.10 Minimum premiums. 61.11 Effective date and time of coverage under the Standard Flood Insurance Pol- icy-New Business Applica.tions and En- dorsements. 61.12 Rates based on a nood protection sys- tem Involving Federal fundS. 61.13 Standard Flood Insurance Pollcy. 61.14 Standard Flood Insurance Polley In- terpretations. < 61.16 Probation additional premium. 61.17 Group Flood Insurance Policy. APPENDIX A(l) TO PART 61-FEDERAL EMER- GENCY MANAGEMENT AGENCY. FEDERAL INsURANCE ADMINISTRATION STANDARD FLooD INSURANCE POLICY APPENDIX A(2) TO PART 61-FEDERAL EMER- GENCY MANAGEMENT AGENCY, FEDERAL INsURANCE ADMINISTRATION STM"DARD FLooD INSURANCE POLICY APl'ENl>IX A(3) TO PART 51-FEDERAL EMER- GENCY MANAGEMENT AGENCY, FEDERAL INSURANCE ADMINISTRATION STANDARD FLooD INsURANCE POLICY AVTHOR1TY: 42 U.S.C. 4001 et set[.; Reorga- nization Plan No. 3 of 1978, 43 FR 4l943. 3 CFR. 19'IB Comp., p. 329; E.O. l2l2'l of Mar. 31. 19'19.44 FR 19367. 3 OFR. 1979 Comp., p. 376. SOURCE: 43 FR 2570. Jan. 17. 1978. unless otherwise noted. Redesignated a.t 44 FR 3117'1, May 31. 1979. l 161.1 Purpose of part. This part describes the types of prop- erties eligible for flood insurance cov- erage under the Program, the limits of such coverage, and the premium rates actually to be paid by insureds. The specific co=unities eligible for cov- erage are designa.ted by the Adminis- trator from time to time as applica- tions are approved under the emer- gency program and as ratemaking studies of co=unities are completed prior to the regular program. Lists of such co=unities are periodically pub- lished under part 64 of this subchapter. [43 FR 2570. Ja.:n. 17, 1978. Redesignated at 44 FR 311'17. May 31. 1979. 8$ amended at 48 FR 39068. Aug. 29. 1983; 49 FR 4751. Feb. 8. 1984; 49 FR 5621. Feb. 14. 1984) 161.2 Definitions. The definitions set forth in part 59 of this subchapter are applicable to this part. 44 CFR Ch.1 00-1-97 Edition) 161.3 Types of Cv4erage. Insurance coverage under the Pr0- gram is available for structures and their contents. Coverage for each may be purchased separately. [43 FR 2570. Jan. 17. 1978. Redesignated at 44 FR 3117'1. May 31. 19'19. 8$ amended at 48 FR 39068. Aug. 29. 1983; 50 FR 36025. Sept. 4. 1985; 51 FR 30309. Aug. 25. 1986; 58 FR 62424. Nov. 26. 1993J t 61.4 Limitations on t;()~.e1..ge. .All flood insurance made available under the Program is subject: (a) To the Act, the Amendments thereto, and the Regulations issued under the Act; (b) To the terms and conditions of the Standard Flood Insurance Policy, which shall be promulgated by the Ad- ministrator for substance and form, , and which is subject to interpretation by the Administrator as to scope of ooverage pursuant to the applicable statutes and regulations; . (c) To the specified limits of coverage set forth in the Application and Dec- larations page of the policy; and (d) To the lXl"-rimum limits of cov- erage set forth in 1 61.6. [43 FR 2570. Jan. 17, 1978. Redesignated at 44 FR 3117'1. May 31. 19'19. 8$ amended at 48 FR 39068. Aug. 29. 1983; 50 FR 3SI25. Sept. 4. 1985; 53 FR 16277. May 6, 1988: 58 FR 62424. Nov. 26. 1993) 161.5 Special terms and conditions. (a) No new flood insurance or renewal of flood insuranoe policies sha.l1 be written for properties declared by a duly constituted State or local zoning or other authority to be in violatillll of any flood plain, mudslide (I.e., mud- flow) or flood-related erosion area m=~~~t~c~~ll~.regul~ tion, or ordinance. (b) In order to reduce the ..nm;n;..tra- tive costs of the Program, of which the Federal Government pays a major share, payment of the full policyholder premium must be made at the time of application. (c) Because of the seasonal nature of flooding, refunds of premiums upon cancellation of coverage by the insured are permitted only if the insurer ceases to have an ownership interest in the 250 -.. .' <.- '." " ',. - . < < .:;".-"