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If a primary residence structure has a letter of map amendment (LOMA) stating that the house does not require flood coverage, does the detached garage require coverage? – IBA Compliance Connection

IBA Compliance Connection

Your go to source for compliance!

If a primary residence structure has a letter of map amendment (LOMA) stating that the house does not require flood coverage, does the detached garage require coverage?

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No, flood insurance is not required for any structure that is part of residential property “but is detached from the primary residential structure of such property and does not serve as a residence” — regardless of whether flood insurance is required on the primary residential property.

For resources related to our guidance, please see:

  • 42 USC 4012a(c)(3) (“Notwithstanding any other provision of this section, flood insurance shall not be required, in the case of any residential property, for any structure that is a part of such property but is detached from the primary residential structure of such property and does not serve as a residence.)
  • FDIC Regulations. 12 CFR 339.4 (“The flood insurance requirement prescribed by § 339.3 does not apply with respect to . . . Any structure that is a part of any residential property but is detached from the primary residential structure of such property and does not serve as a residence.”)