Walled and Roofed
Plain-English definition and practical context.
Definition: Walled and Roofed | ()
pronunciation: wawld and roo-fd
In flood insurance, a building is considered walled and roofed when it has at least two rigid exterior walls and a fully secured roof that is capable of resisting flotation, collapse, and lateral movement.
This standard is used by the National Flood Insurance Program (NFIP) to determine whether a structure qualifies as a building eligible for flood insurance coverage.
The roof must be permanently attached and constructed in a manner consistent with local building codes, while the exterior walls must provide structural support and enclosure. Temporary, fabric, or open-sided structures generally do not meet the walled and roofed requirement.
Structures that do not meet this definition may be ineligible for coverage under standard flood insurance policies.
Sources & Authority
NFIP Flood Insurance Manual – Definitions and Coverage Eligibility
Provides official NFIP definitions used to determine whether a structure qualifies as a building for flood insurance purposes.
FEMA – Standard Flood Insurance Policy (SFIP) Definitions
Codified federal definition used across SFIP forms and underwriting guidance.