Int Q&A – Amount 4 – What are examples of non-residential buildings?

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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.
 
 
ADDITIONAL INFORMATION:
This Q&A was included in the Interagency Questions and Answers Regarding Flood Insurance, which were issued on 05/11/2022.  They were published in the Federal Register on 05/31/2022 and may be found here:  https://www.federalregister.gov/documents/2022/05/31/2022-10414/loans-in-areas-having-special-flood-hazards-interagency-questions-and-answers-regarding-flood
 

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