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 Code of Federal Regulations (Last Updated: April 5, 2024)
 Title 44 - Emergency Management and Assistance
 Chapter I - Federal Emergency Management Agency, Department of Homeland Security
 SubChapter B - Insurance and Hazard Mitigation
 Part 61 - Insurance Coverage and Rates

  § 61.6 - Maximum amounts of coverage available.  

Latest version.

  • § 61.6 Maximum amounts of coverage available.

    (a) Pursuant to section 1306 of the Act, the following are the limits of coverage available under the emergency program and under the regular program.

    Table 1 to Paragraph (a) - Maximum Amounts of Coverage Available1

    Occupancy Emergency
    Program     		Regular Program
    Amount Amount
    Building Coverage
    Single-Family Dwelling* $35,000$250,000.
    Two-to-Four Family Building* 35,000$250,000.
    Other Residential Building (including Multifamily Building)** 100,000$500,000.
    Residential Condominium BuildingN/A$250,000 times the number of units in the building.
    Non-Residential Building100,000$500,000.
    Contents Coverage 2
    Residential Property3 10,000$100,000.
    Non-Residential Property100,000$500,000.

    1 This Table provides the maximum coverage amounts available under the Emergency Program and the Regular Program, and the columns cannot be aggregated to exceed the limits in the Regular Program, which are established by statute. The aggregate limits for building coverage are the maximum coverage amounts allowed by statute for each building included in the relevant Occupancy Category.

    2 The policy limits for contents coverage are not per building. Although a single insured may not have more than one policy covering contents in a building, several insureds may have separate policies of up to the policy limits.

    3 The Residential Property occupancy category includes the Single-Family Dwelling, Two-to-Four Family Building, Other Residential Building, and Condominium Building occupancies categories.

    * In Alaska, Guam, Hawaii, and U.S. Virgin Islands, the amount available is $50,000.

    ** In Alaska, Guam, Hawaii, and U.S. Virgin Islands, the amount available is $150,000.

    (b) Coverage and benefits payable under the SFIP pursuant to § 61.3(b) and (c) are included in, not in addition to, the coverage limits provided by the Act or stated in paragraph (a) of this section.

    [85 FR 43958, July 20, 2020; 86 FR 10029, Feb. 18, 2021, as amended at 86 FR 62104, Nov. 9, 2021]