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#2265235 - 01/26/22 04:01 PM Required Flood Determination
kmenard Offline
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Joined: Oct 2014
Posts: 67
When pulling a flood determination on residential property with a detached shop not being used for living quarters but has a bathroom, is a separate flood determination required for the shop?

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Flood Compliance
#2265236 - 01/26/22 04:10 PM Re: Required Flood Determination kmenard
rlcarey Online
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rlcarey
Joined: Jul 2001
Posts: 80,337
Galveston, TX
Not if the FHD covers the entire property. What would be the point?
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#2265239 - 01/26/22 04:21 PM Re: Required Flood Determination kmenard
kmenard Offline
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Joined: Oct 2014
Posts: 67
Great point!! If the property is in a flood zone but after further research it is determined that only the detached shop is in the flood zone, would a Notice of Special Flood Hazard Insurance and flood insurance on the shop be required or would it fall under the detached structure exclusion?

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#2265247 - 01/26/22 05:06 PM Re: Required Flood Determination kmenard
John Burnett Offline
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John Burnett
Joined: Oct 2000
Posts: 39,864
Cape Cod
That would depend on what the shop is used for. To be a "detached structure that is part of a residential property," it would have to be detached from the primary residential structure and would have to be used primarily for personal, family or household purposes, and not primarily for agricultural, commercial, industrial or other business purposes.

If the shop is used for hobby work, it would probably qualify. If it is used in the property owner's business, it won't be exempted.
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#2265579 - 02/01/22 05:32 PM Re: Required Flood Determination kmenard
Dan Persfull Online
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Dan Persfull
Joined: Aug 2002
Posts: 47,018
Bloomington, IN
would a Notice of Special Flood Hazard Insurance and flood insurance on the shop be required or would it fall under the detached structure exclusion?

The detached structure exemption does not exempt the need to provide the notice if the property is located in a SFHA.
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The opinions expressed are mine and they are not to be taken as legal advice.

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