For properties not in a flood plain, flood insurance:

• A. Higher than in zones with flood risk.
• B. Usually more reasonable and can be obtained as an endorsement to the CPP.
• C. Not required and never offered.
• D. Only available through NFIP.

Answer: (B)

When a property isn’t in a flood plain, flood insurance is typically optional rather than mandatory, and many buyers and owners obtain it through private market options rather than the government program. In commercial contexts, flood coverage can often be added as an endorsement to a Commercial Property Policy (CPP). This arrangement tends to be more affordable and convenient, offering the needed protection without needing a standalone NFIP policy.

So, the statement that flood insurance is usually more reasonable in cost and can be obtained as an endorsement to the CPP reflects common practice outside flood-prone areas. It isn’t accurate to say it’s never offered, or that it’s only available through NFIP, or that it’s inherently more expensive than coverage in high-risk zones.