How does the NFIP classify a bi-level house where the lowest floor is below grade?

The National Flood Insurance Program (NFIP) classifies a bi-level house where the lowest floor is below grade as a basement. This classification is important for understanding flood risk and insurance rates. According to NFIP guidelines, a basement is defined specifically as any area of the building that is either wholly or partially below the ground level on all sides.

In the case of a bi-level house, if the lowest floor is located below the surrounding ground level, it indicates that this floor essentially meets the criteria for a basement. This classification impacts how flood insurance is applied, as properties with basements generally face different insurance requirements and rates compared to those considered non-basements or crawlspaces. Proper classification is essential for owners and insurance purposes to ensure adequate flood protection and compliance with regulations.