Would have never dreamed of this situation, but, apparently there are lots of them. The catch is that the attached deck is treated the same as a deck on a regular house. So if it is resting on the bottom of the lake/river/whatever, then the house(boat) is rated as the lowest floor being the bottom of the lake/river/whatever.
Anyone here every have a situation like this?
This was pointed out to me as I was researching how to handle what was originally a mill constructed partially in the river. The massive limestone blocks supporting the mill building proper start at the river bed level, of course. There is virtually no potential for a claim until the water gets about 40 to 50 feet deep with maybe two feet of the standard building being below the BFE.
That's one of the craziest things I've heard when it comes to FEMA el certs. A boat doesn't flood due to rising water ... it either floats or sinks ... Doesn't the floor elevation change based on how high or low the lake/tide/river is? How do you handle that?
I'm guessing that it is attached to the deck which is attached to terra firma.