If you cannot access the Flood Insurance Manual, you will need to download Acrobat
Reader 3.01 here:

Acrobat® Reader 3.01 was updated by Adobe® on July 14, 1997

for Windows 95 (4.0 MBytes)

for Windows 3.1 (3.9 MBytes)

for Macintosh (BinHex) (6.8 MBytes)

Readers for other platforms may be downloaded from the Adobe® web site.