Submission of a complete and signed application is required to obtain coverage. Premium is subject to underwriting guidelines and application approval.
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).
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