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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

Acrobat Reader.gif (712 bytes) for Windows 95 (4.0 MBytes)

Acrobat Reader.gif (712 bytes) for Windows 3.1 (3.9 MBytes)

Acrobat Reader.gif (712 bytes) for Macintosh (BinHex) (6.8 MBytes)

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