Flood Insurance for a Condo in NYC

How do you tell if you're in a FEMA designated flood zone? Lower Manhattan?

you can go to http://www.floodsmart.gov/floodsmart/pages/riskassesment/findpropertyform.jsp;jsessionid=3D6FCB4B0EB4F210517D37D6FB5DF65D

floodsmart.gov and enter your address

You may be on a high floor but if the roof needed to be fixed you would pay your share. Likewise if there was flood damage to the building you would also be required to pay part of the repairs, no?

so -- does that mean I have to get flood insurance or is this a building issue? This is in lower manhattan, so I am assuming anyone buying in BPC (Riverhouse) has to do the same. Experience please?

i would assume the building would have it covered, but you should check with the managment company in any case. also, if it's a residential building, all the unit owners indirectly pay towards the building insurance anyhow through the common charges.
regardless, there's no harm in purchasing additional insurance for your unit.