Final answer:
The NFIP considers local governments such as cities, towns, counties, and tribal areas as "communities". They must adhere to FEMA's floodplain management regulations to offer flood insurance through the NFIP.
Step-by-step explanation:
The types of government bodies that are considered to be "communities" by the National Flood Insurance Program (NFIP) include local governments, such as cities, towns, counties, and tribal areas, that have jurisdiction over floodplain management in their respective areas. These communities must participate in the NFIP by adopting and enforcing floodplain management regulations that meet or exceed the criteria set by the Federal Emergency Management Agency (FEMA) to reduce the risk of flooding. By doing so, these communities make flood insurance available to residents and businesses in their jurisdictions through the NFIP.