What is the definition of 'dwelling' in the context of flood insurance?

The definition of 'dwelling' in the context of flood insurance refers to a structure intended for residential use, typically accommodating up to four families. This classification is essential because flood insurance policies are tailored to provide coverage for residential properties, protecting homeowners and renters from damages caused by flooding. By specifying the maximum number of families, the definition delineates between residential structures and those intended for commercial use or other purposes.

The other options fall outside of this definition; structures designed primarily for commercial use do not qualify for dwelling insurance under flood policies. Similarly, temporary shelters are not defined as dwellings since they do not provide permanent residential accommodations. Lastly, uninhabited spaces intended for storage likewise do not fit the criteria of a dwelling, as they lack a residential purpose. Thus, the correct answer appropriately encapsulates the specific characteristics that define a dwelling within the realm of flood insurance.