Q: Amount 4 – What are examples of non-residential buildings?
A: Pursuant to the NFIP Flood Insurance Manual, a non-residential building includes:
1. A building in which the named insured is a commercial enterprise primarily carried out to generate income and the coverage is for:
• A building not designed for habitation or residential uses;
• A mixed-use building in which the total floor area devoted to residential uses is 50 percent or less of the total floor area within the building if the residential building is a single-family property; or 75 percent or less of the total floor area within the building for all other residential properties; or
• A building designed for use as office or retail space, wholesale space, hospitality space, or for similar uses.
• The following buildings where the normal occupancy of a guest is less than six months: condominium buildings, apartment buildings, hotels and motels, tourist homes, or rooming houses.
2. Other non-residential buildings including, but not limited to the following: houses of worship, schools, agricultural structures, garages, pool houses, clubhouses, and recreational buildings.
For more complete information, refer to the NFIP Flood Insurance Manual.