Compliance Q&A: Is a Floor Required for Flood Coverage?

Question:

So I am aware of the two walls and a roof requirement in the flood regulations, but what if the building is on a dirt floor but secured to the ground with concreted post? Because there is no floor, does that negate the requirement for flood coverage?

Answer:

Unfortunately, a floor is not a requirement for it to be considered a building requiring flood coverage. Assuming the other conditions of the definition have otherwise been met, flood insurance would still be required in this case.

Building.
A structure with 2 or more outside rigid walls and a fully secured roof, that is affixed to a permanent site;…

https://www.fema.gov/national-flood-insurance-program/definitions

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