Are wharves, piers, and docks covered under the national flood insurance program?

The correct answer indicates that wharves, piers, and docks are not covered under the National Flood Insurance Program (NFIP). This outcome aligns with the specifics of the NFIP, which is designed primarily to insure residential buildings and personal property from flood damage. While the program does cover certain structures, it explicitly excludes most types of structures used for commercial purposes or that are considered part of maritime infrastructure such as wharves, piers, and docks.

The reason other choices do not apply is that the NFIP does not extend coverage to wharves, piers, and docks regardless of the usage context. Even if these structures were insured as part of a business, they would still not be eligible for coverage under the program. Similarly, the occurrence of a loss during a storm does not influence the lack of coverage, as the NFIP contains specific exclusions that apply irrespective of the circumstances of the flood event. This clarity reinforces the need for alternative insurance options for those types of structures.