Which term refers to areas governed by local governments?

The term "municipal" specifically refers to cities, towns, and other local governmental units that are responsible for governing small geographic areas. These municipalities have the authority to create and enforce local laws, provide services, and manage local resources. Local governments operate at a level below the state or national government, focusing on community needs and issues.

In contrast, while "private" typically relates to entities that are not part of government, it does not pertain to government governance. "Federal" refers to the national level of government, overseeing the entire country, and is hence unrelated to local governance. "Regional" suggests a broader area that may encompass multiple municipalities or jurisdictions, but it does not specifically denote areas governed by local governments. Therefore, "municipal" is the most accurate choice for identifying areas governed by local governments.