PBC Inspections

Region and roof slope: the two new questions on the wind mitigation form

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Not insurance advice. General information only. Your insurer or agent decides what it needs.

Short answer: questions 2 and 3 are new on the Rev. 04/26 wind mitigation form (OIR-B1-1802). Question 2 records the home's region by design wind speed under ASCE 7-22, Risk Category 2: HVHZ, Region 1 (140 mph or more), Region 2 (130 to 139 mph) or Region 3 (under 130 mph). Question 3 records whether the main roof slope is 6:12 or steeper, or less than 6:12. Citizens says it has no field for region, and that roof slope does not affect credits or discounts.

QuestionWhat the form asksHow Citizens enters it
2. RegionLocation based on design wind speed, ASCE 7-22 (700-year MRI) Risk Category 2: HVHZ, Region 1 (≥ 140 mph), Region 2 (130 to 139 mph) or Region 3 (< 130 mph)No region field; FBC Wind Speed and FBC Wind Design "loosely correspond"
3. Roof slopeGreater than or equal to 6:12, or less than 6:12; on single-family homes with several slopes, the slope covering at least two-thirds of the main roof areaMatched to the Roof Style/Slope field on the replacement cost estimate; no effect on credits

From the OIR-B1-1802 (Rev. 04/26), questions 2 and 3, and Citizens' Wind Loss Mitigation Guide (Rev. 04/26), sections 2 and 3.

What question 2 asks

The form says: "Region: Location based on design windspeed. See ASCE 7-22 (700-year MRI) Risk Category 2 (www.ascehazardtool.org)." The four boxes are HVHZ, Region 1 (≥ 140 mph), Region 2 (130 mph to 139 mph) and Region 3 (< 130 mph). Question 1 of the same form defines the High-Velocity Hurricane Zone as Miami-Dade or Broward counties.

Citizens' Wind Loss Mitigation Guide calls this a "new section requiring inspectors to identify the structure's wind-speed region based on updated hazard maps and modern wind-design standards." It adds that the Florida Building Code assigns wind speed design requirements by risk category, "with higher-risk structures requiring greater wind resistance." See everything else that changed on Rev. 04/26.

Palm Beach County's design wind speed map

Palm Beach County's Planning, Zoning and Building wind speed page publishes ultimate design wind speed maps for each risk category. The county's Table 1604.5 page puts in Risk Category II "buildings and other structures except those listed in" Categories I, III and IV. The wind speed page says Risk Category II speeds correspond to "approximately a 7% probability of exceedance in 50 years," with an MRI of 700 years, and that the values are 3-second gust speeds at 33 feet above ground for Exposure C.

The county's static Risk Category II map, labeled for its amendments to the Florida Building Code, 8th Edition (2023), shows lines at 150, 160 and 170 mph, with bands marked "Use 150 mph," "Use 160 mph" and "Use 170 mph" from west to east. The county says that because the lines don't follow physical landmarks, it "has developed separate Geographic Information Systems (GIS) tools for each of the Risk Categories" to find a particular parcel's wind speed.

Every line on that county map is 150 mph or more, and Region 1 on the form starts at 140 mph. The form, though, points the inspector to ASCE 7-22 through the ASCE Hazard Tool rather than to the county map, so the region on your form should come from that tool. We did not look up ASCE 7-22 values by address.

The wind-borne debris region

The county's wind speed page defines the wind-borne debris region as areas in hurricane-prone regions within 1 mile of the coastal mean high water line where the ultimate design wind speed is 130 mph or more, or anywhere it is 140 mph or more. It says: "All of Unincorporated Palm Beach County is within the Wind Borne Debris Region."

The debris region matters elsewhere on the form too. Citizens' guide says wood structural panels don't get discounts but may meet Citizens' insurability requirements for opening protection in the wind-borne debris region. Our guide to impact windows and shutters on the form covers question 9.

How Citizens enters region

Citizens' guide says: "Citizens' systems do not contain a field for Region, however FBC Wind Speed and FBC Wind Design loosely correspond." To avoid system errors it points to two resources, the Wind Mitigation Feature Help Chart and the Wind-Only Eligibility Search Tool. A Citizens agent FAQ on its Clearinghouse says to log in with Citizens credentials to reach terrain, protection class and wind speed in that tool, and that year built determines the valid combination of wind mitigation and wind speed/wind design.

For dwellings with 1 to 4 units, the help chart (dated August 2024) shows:

  • Built before 1/1/2002: FBC Wind Speed and FBC Wind Design are "Not Applicable (Default)."
  • Built 1/1/2002 to 12/31/2011: FBC Wind Speed choices are unknown, 100 mph, 110 mph, 120 mph or greater, 120 mph or greater and WBDR, HVHZ, or not applicable.
  • Built on or after 1/1/2012: the choices are unknown, 115 to 130 mph, 131 to 140 mph, 131 to 140 mph and WBDR, 141 to 155 mph and WBDR, greater than 155 mph and WBDR, HVHZ, or not applicable.
  • FBC Wind Design, 2002 and later: in terrain B "any listed value is acceptable because it does not affect the rating"; in terrain C it is not applicable by default.
  • Concrete roof decks: the chart says to select not applicable for wind speed if the roof deck attachment is reinforced concrete roof deck.

The chart also says that if unknown is chosen for a home built in 2002 or later, Citizens "will default based on Florida Building Code (FBC) requirements." Our guide to the building code question explains how question 1 handles 2002-and-later homes.

What OIR's credit table shows

OIR's credit table, OIR-B1-1699, has a separate table of wind premium credits for new construction built under the 2001 Florida Building Code. It sorts homes by terrain exposure, FBC wind speed, the wind speed of design and whether the home is in the wind-borne debris region. For a frame or masonry home with a roof deck other than reinforced concrete, no opening protection and no secondary water resistance, it shows:

  • Terrain B, 100 mph, non-hip roof: 68%.
  • Terrain B, 110 mph, non-hip roof: 72%.
  • Terrain B, 120 mph or more, non-hip roof: 74%.
  • Terrain B or C, 120 mph or more, in the debris region, non-hip roof: 77%.
  • The same four rows with a hip roof: 79%, 79%, 78% and 81%.

OIR-B1-1699 wind premium credits for new construction (FBC 2001), no opening protection, no secondary water resistance. Rounded to whole numbers. OIR lists this form as effective October 2006 with updates pending.

OIR's wind mitigation resources page says the form was updated effective April 1, 2026, and that OIR "continues to evaluate" OIR-B1-1699, OIR-B1-1700 and OIR-B1-1655 for updates, so ask your insurer for its current figures. See how much a wind mitigation inspection saves.

What question 3 asks

The form says: "Roof Slope: For single-family homes with multiple slopes, indicate the slope that is at least two thirds of the main roof area when determining greater than or equal to 6:12, OR less than 6:12." The two boxes are greater than or equal to 6:12, and less than 6:12. Citizens' guide says inspectors "will be required to measure and indicate roof slope."

Question 3 is separate from roof shape. Question 7 rates the roof as hip, flat or other, and its flat roof answer is for a building with five or more units where at least 90% of the main roof area has a slope of less than 2:12. Our guide to roof shape on the form covers question 7.

How Citizens uses roof slope

Citizens' guide says roof slope "does not impact credits or discounts," but that the slope on the form should match the Roof Style/Slope field on the replacement cost estimate:

  • Greater than or equal to 6:12: <Roof Shape>/Steep Pitch.
  • Less than 6:12: <Roof Shape>/Slight Pitch.
  • Either selection: <Roof Shape>/Moderate Pitch.

The guide notes that in Citizens' replacement cost estimator, "a moderately pitched roof can have a pitch between 4:12 and 7:12," and that agents should make their best estimate.

Proof for questions 2 and 3

The form says at least one photograph or document providing proof must accompany it to validate each attribute marked in questions 2 through 9. A FORTIFIED Home Roof, Silver or Gold certificate may be used for questions 4 through 6 and 8 through 9, which leaves out questions 2 and 3. The form is valid for up to five years if no material changes have been made to the structure and no inaccuracies are found.

Before your inspection

  • Look up your parcel's wind speed: Palm Beach County's wind speed page links to an interactive map for each risk category, and the form points to the ASCE Hazard Tool for the region.
  • Check the year built: Citizens' help chart defaults wind speed to not applicable for homes built before 2002. Our city pages show the median year homes were built from Census estimates; in the Glades it is 1979 and in West Palm Beach it is 1988.
  • Allow roof access: Citizens says inspectors must measure roof slope, and the form needs a photo or document for each attribute in questions 2 through 9.
  • Compare prices: our Palm Beach County prices page lists wind mitigation and 4-point + wind bundle prices published by inspectors.

FAQ

What is the region question on the new wind mitigation form?

Question 2 of the OIR-B1-1802 (Rev. 04/26) records the home's location by design wind speed under ASCE 7-22 (700-year MRI), Risk Category 2. The choices are HVHZ, Region 1 (140 mph or more), Region 2 (130 to 139 mph) and Region 3 (under 130 mph).

What is the design wind speed in Palm Beach County?

Palm Beach County's Risk Category II map shows lines at 150, 160 and 170 mph, with bands marked Use 150 mph, Use 160 mph and Use 170 mph from west to east. The county says it built GIS tools for each risk category to find a particular parcel's wind speed.

Does roof slope affect my wind mitigation discount?

Citizens' Wind Loss Mitigation Guide says roof slope does not impact credits or discounts, but the slope on the form should match the Roof Style/Slope field on the replacement cost estimate.

How is roof slope measured on a home with more than one slope?

For single-family homes with multiple slopes, the form asks for the slope that covers at least two-thirds of the main roof area, marked as 6:12 or steeper, or less than 6:12.

Is Palm Beach County in the wind-borne debris region?

Palm Beach County's wind speed page says all of unincorporated Palm Beach County is within the wind-borne debris region. It defines the region as areas within 1 mile of the coast where the design wind speed is 130 mph or more, or anywhere it is 140 mph or more.

Sources

  • Florida OIR, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26), questions 1, 2, 3 and 7 and photo requirements: floir.gov (PDF) (checked Nov 2, 2026)
  • Citizens Wind Loss Mitigation Guide (Rev. 04/26), sections 2, 3 and 9C: PDF (checked Nov 2, 2026)
  • Citizens, Wind Mitigation Feature Help Chart (August 2024), dwellings with 1-4 units: PDF (checked Nov 2, 2026)
  • Citizens, Clearinghouse: Understanding Eligibility Requirements, agent FAQ (v. 09.23.2024): PDF (checked Nov 2, 2026)
  • Palm Beach County Planning, Zoning and Building, Wind Speed Maps: discover.pbc.gov (checked Nov 2, 2026)
  • Palm Beach County, Figure 1609.3(1) Ultimate Design Wind Speeds, Risk Category II Buildings: discover.pbc.gov (PDF) (checked Nov 2, 2026)
  • Palm Beach County, Table 1604.5 Risk Category of Buildings and Other Structures: discover.pbc.gov (checked Nov 2, 2026)
  • ASCE Hazard Tool: ascehazardtool.org (checked Nov 2, 2026)
  • Florida OIR, Windstorm Mitigation Discounts; Single Family Residences, OIR-B1-1699 (new construction table): floir.gov (XLS) (checked Nov 2, 2026)
  • Florida OIR, Wind Mitigation Resources (form list and dates): floir.gov (checked Nov 2, 2026)