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pt. 61. App. A(1) . Declarations Page is a computer generated summary of information furnished by you in the applicction for insurance. The declarations page also describes the term of the poliCY. limits of coverage. and displays the premium and our name. The declarations page is a part of this flood insurance policy. Direct Physical Loss By f1r From Flood means any loss in the nature of actual loss of or physical damage. evidenced by physical changes. to the insured property (building or personal property) which is directly and proximately caused by a flood (as defmed in this poliCY). Dwelling means a building designed for use as a residence for no more than four families and a single family dwelling unit in a con- dominium building. EleDated BUilding means a non-basement building which has its lowest elevated floor raised above ground level by foundation walls. shear walls. posts. piers, pilings. or columns. Emergency Program Community means a community wherein a Flood Hazard Bound- ary Map (FHBM) is in effect and only limited amounts of insurance are avail..ble under the Act. Ezpense Constant means .. fl&t charge per policy term. paid by the IDsured to defray the Federal Government's policywr!ting and other expenses. bpiTation Date means the ending of the in- surance coverage provided by this policy on the ezpiTation date shown on the declarations page. Federal poliCY fee means a fl&t charge per policy term. paid by the Insured to defray certain administrative expenses incurred in carrying out the National Flood Insurance Program not covered by the upense constant. This fee was established by section 13Q'7(a)(1)(B)(iii) of the National Flood Insur- ance Act of 1968. as amended. and is not sub- ject to producers' commissions. expense al- lowances. or state or local premium taxes. Flood means: A. A general and tempora.ry condition of partial or complete inundation of normally dry land area from: 1. The overflow of inland or tidal W&ters. 2. The unusual and rapid accumulation or runoff Of surface w..ters from &IIY source. 3. Mudslides (i.e.. mudfiows) which are proximately caused. by flooding as defined in subpa.ragra.ph A-2 above and are &kin to a river of liquid and floWing mud on the sur- faces Of normally dry land areas, including your premises. as when earth is carried by a current of water and deposited along the path of the current. B. The collapse or subsidence of land along the shore of a lake or other body of water as a result of erosion or undermining c&used by waves or currents of water exceeding the cy- clical levels which result in nooding as de- fmed in subparagraph A-I above. . . 44 CFR Ch. I (10-1-97 Edition) Improvements mea.ns fixtures. alterations. install..tions. or additions comprising a part of the insured building or condominium clwell- ing unit. Manufacturecl home means a building trans- portable in one or more sections. which is built on a permanent ch&ssis and designed to be used with or without a permanent found&.- tion when connected to the required utili- ties. The term manufactured home does not include park trailers. and other similar vehi- cles. To be eligible for coverage under this policy. a manufactU1'ed home must be on a per- manent foundation and. if 1000ted in a FEMA designated Special Hazmd Area. must meet the requirerilents of paragraph H. of Ar- ticle 6. Mobile home means a manufactured home. National Flood I7l3Urance Program means the program of floocl insurance coverage and floodplain ma.na.gement administered under the Act and applica.ble Federal regulations in Title 44 of the Code of Federal Regulations. Subch&pter B. Policy means the entire written contract between you and us; it includes this printed form. the application. and declaratiom page. any endorsements which may be issued and any rene....l certificates indicating that cov- erage has been instituted for.. new poliCY and policy term. Only one dwelling building or unit. specifica.Uy described by you in the ap- plication. may be insured under this policy, unless applic&tion to cover more than one dwe/ling building or unit is made on .. form or in a format approved for that purpose by the Federal Insurance Administrator. Post-FIRM builcling means a building for which the start of construction or substan- tial improvement occurred a.fter December 31. 19'74. or on or a.fter the effective date of the initial Flood Insurance Rate Map (FIRM) for the community in which the building is located. whichever is later. Pre-FIRM rated building means a builcling for which the start of construction or sub- stanti&l improvement occurred on or before December 31, 1974, or before the effec\ive date of the initi&l FIRM for the community . in which the building is located. whichever is later. Probation Aclc!itional Premium means a fl&t charge per poliCY term paid by the Insured on all new and renewal policies issued covering property in a community that has been placed on probation under the provisions of 44 eFR 59.24. Regular Program Community means a com- munity wherein a FIRM is in effect and full limits of coverage are availa.ble under the Act. Residential condominium building means a building owned by the members of .. Con- dominium Associ4tion containing one or more residential units and in which ..t least 75 per- cent of the floor area within the /ndIding is residential. 258 "'>.- ...... ". :..... .....