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and the Preferred Risk Policy (PRP). The PRP is available at low cost for buildings located autside the SFHA with litde or no loss history. Information about the PRP and how one can apply is enclosed. The Standard Policy is available for all other buildings. Individual flood risk situadons and insurance needs should be discussed with an insurance agent or company before making a final decision regarding flood insurance coverage. FEMA has established "Grandfather" rules to benefit flood insurance policyholders who have maintained continuous coverage. In addition, if property owner� �.ive outside the fringe of the SFHA shown on an effective NFIP map and the NFIP map is ,ter revised to expand the SF��iA to include their structure(s), their flood insurance polic •ates will not increase as long as the coverage for the affected structure(s) has been con' �us. Property owners would continue to r��:�� the lower insurance policy rates IAMAs are based on minimum criteria established by the NFIP. State/Commonwealth, ��:,�sr.ty, ar.� ^,^,,rnmar::ty :�ff�ials, �as�d o:� '.viowle�ge of io:,al ��nditiar,� .s�d ir�the intere.st of safety, may set higher standards for construction in the SFHA. If a State/Commonwealth, county, or community has adopted more restrictive and comprehensive floodplain management criteria, these criteria take precedence over the minimum Federal criteria. Letters issued to amend or revise maps must be attached to the community's o�cial record copy of the NFIP map. That map is available for public inspection at the communit}�s official map repository. Therefore, FEMA sends copies of all such letters to the affected communit}�s off'icial map repository. When a restudy is undertaken, or when a sufficient number of revisions or amendments occur on particular map panels, FEMA initiates the printing and distribution process for the affected panels. FEMA notifies community officials by letter when affected map panels are being physically revised and distributed. In such cases, FEMA attempts to reflect the results of the LOMA on the hew map panel. If the results of particular LOMAs cannot be reflected on the new map panel because of scale limitations, FEMA notifies the community by letter and revalidates the LOMAs in that letter. IAMAs that are revalidated in this way become effective 1 day after the effective date of the revised map panels.