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Modified Coverage Form ( HO-8 ) is designed to provide package coverage to the owner-occupants of homes that do not meet all the requirements applicable to other homeowners forms . The HO-8 is particularly well-suited for residences that have suffered extensive depreciation . The HO-8 provides building and personal property coverage slightly more restrictive then that of other homeowners forms for owner-occupants that include a replacement cost clause . A " community , " as defined for NFIP 's purposes , is any state , area , or political subdivision ; any Indian tribe , authorized tribal organization , or Alaska native village , or authorized native organization which has the authority to adopt and enforce floodplain management ordinances for the area under its jurisdiction . There has been a suggestion that given his love for exercise , whether jogging or biking , arrangements should be made for a morning at the vast expanse of the Nehru Park in the diplomatic area . Without community oversight of building activities in the floodplain , the best efforts of some to reduce future flood losses could be undermined or nullified by the careless building of others . Israeli diplomats hope that " such contacts also help strengthen the moderates on the Palestinian side - those who recognize that dialogue and acceptance must always be preferred to hatred , terror and extremism " . In most cases , a community is an incorporated city , town , township , borough , or village or an unincorporated area of a county or parish .