Why is that? Is the detached garage outside the SFHA boundaries?http://www.fema.gov/news/newsrelease.fema?id=18292
Does my NFIP policy cover all the buildings on my property?
The Standard Flood Insurance Policy provides coverage for one building per policy. The only exception is 10 percent coverage for a detached garage. However, the total payment for flood damage to the detached garage and the house together cannot exceed the building policy limit. For coverage to apply, the garage can only be used for parking and storage. Any other use would void this coverage; for example, if the garage has a workshop, the coverage would not apply. All other buildings on the premises need separate coverage. (Coverage is also available for owners of condominium units.) The maximum coverage available is $250,000 for residential properties and $500,000 for commercial properties.
From page 38 of the Mandatory Purchase Guidelines
(2) Instructions for Using the SFHDF
The reverse side of the SFHDF has detailed
section-by-section instructions for completing
the form. A separate SFHDF is required for
buildings on adjacent properties. However,
if a single property contains multiple
buildings, a listing of buildings on the parcel
can be attached to the SFHDF. Only one
building may be insured under one NFIP
policy. Each building securing a loan must
be covered by a separate policy.