Submission of a complete and signed application is required to obtain coverage. Premium is subject to underwriting guidelines and application approval.
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Properties eligible for coverage are one to four unit residential structures, other residential structures and non-residential structures.
Private Market Flood coverage is not available for properties located in CBRA areas, non-participating FEMA communities, mobile homes, or condominium units.
Also not eligible for coverage are: properties that have experienced more than one flood loss within the past five years, properties with unrepaired flood damage, any property that has been designated by FEMA as a Severe Repetitive Loss property, and properties that have been designated by a duly constituted State or local authority to be in violation of State or local floodplain management regulations (Section 1316).