Final answer:
Eligibility for coverage under the National Flood Insurance Program requires living in a community that actively participates in the program, which can include coastal areas, flood-prone regions, and urban cities that are at risk for flooding and have taken steps to manage and mitigate flood risks.
Step-by-step explanation:
To be eligible for coverage under the National Flood Insurance Program (NFIP), an insured must live in a community that participates in the NFIP. This encompasses a variety of areas, including coastal areas, flood-prone regions, and locations that take measures to mitigate the risk of floods. Many populated cities located in low-lying coastal areas are at risk for flooding and therefore may also be areas where the National Flood Insurance Program is applicable. Cities with low elevations near oceans may implement adaptation strategies such as the creation or conservation of wetlands to protect against storm surges and flooding.
Flooding problems are common in waterways nationwide, and areas such as floodplains are often developed for their appealing views despite their susceptibility to flooding. The NFIP encourages communities to adopt and enforce floodplain management regulations to help protect these areas. Communities that fail to participate or comply with NFIP requirements are generally not eligible for flood insurance coverage through this federal program.