I have found some guidance on this, from a letter penned by FEMA in 1995. I am paraphrasing as follows:
Miami-Dade’s concern is the substantial damage rule could not be applied to the other units with minor damage. Therefore it would not be feasible to elevate the individual unit that was substantially damaged. The response was variances should only be issued after a case-by-case analysis and a determination that it would not be technically or legally feasible to elevate the single unit. It might, however, be feasible to elevate a unit if it were an end unit, depending on how it was attached to the rest of the units. It may also be possible to abandon living areas of the ground floor if it is mainly used for parking, access or storage. In addition, the deed covenants governing the association may address these types of damage situations. The bottom line was that careful review of all the circumstances should occur before issuing a variance, and retrofitting for flood protection should also be required as a condition.
Again, this is not an official interpretation by anyone, just my opinion based on some verbage I found.
M. Gambino, CFM
Floodplain Administrator
City of Miami Gardens
Public Works Dept.
1050 NW 163 Drive
Miami Gardens, Fl. 33169
Tel. 305.622.8039
Email: mgam...@miamigardens-fl.gov
________________________________
Let’s put it another way: the Federal Register definition of substantial damage states: “…Damage of any origin sustained by a STRUCTURE whereby….” It does not state “or an individually owned or separate unit within a structure”…This goes back to my first point
M. Gambino, CFM
Floodplain Administrator
City of Miami Gardens
Public Works Dept.
1050 NW 163 Drive
Miami Gardens, Fl. 33169
Tel. 305.622.8039
Email: mgam...@miamigardens-fl.gov
From: fl_flo...@googlegroups.com [mailto:fl_flo...@googlegroups.com] On Behalf Of Scott Fraser
Sent: Monday, October 03, 2011 3:59 PM
To: fl_flo...@googlegroups.com
Subject: Re: Substantial damage to one townhome of a group as one structure
Well Mike, that's the most relevant information I've yet seen on this concern. Thanks.