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.”)