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Across 2. To reduce from the standard deductible 4. portion of a building below ground on all 4 sides 6. naturally occurring area protecting the coast from severe wave wash 8. inundation 14. Condo building with 5 or more units and at least 3 floors 16. For standard policies, this recently went from $35 to $40 19. Single family dwelling in which an insured resides 80% of the year 20. Initial phase of community's participation in the NFIP 21. land area susceptible of being inundated by flood waters from any source

Down 1. Detached garage servicing a single family dwelling 3. A structure that has two or more outside rigid walls and a secured roof 5. What FEMA does to a community not enforcing the proper floodplain management 7. diagram 9 9. A change in the FHBM or FIRM for a community which reflects the zone, etc. 10. Diagram numbers 3 and 4 11. lowest or highest finished ground level adjacent to a bulding's walls 12. townhouse/rowhouse and single family detached condo buildings 13. If this type of building is in a SFHA, most often an EC is needed 15. Unpublished rates used for policies that are missing valid rating information 17. Apartment buildings fall under this occupancy 18. On or before Dec. 31, 1974