Standard Flood Insurance Policy Forms

FEMA

The National Flood Insurance Program

Standard Flood Insurance Policy

The Dwelling Policy Form may be issued to homeowners, residential renters and condominium unit-owners, owners of residential buildings containing two to four units.

In communities participating in the National Flood Insurance Program (NFIP) Regular Program, or Emergency Program the dwelling policy provides building and/or contents coverage for:

• Detached, single-family, non-condominium residence with incidental occupancy limited to less than 50% of the total floor area;
• Two- to four- family, non-condominium building with incidental occupancy limited to less than 25% of the total floor area;
• Dwelling unit in residential condominium building;
• Residential townhouse/rowhouse
• Manufactured mobile homes

The General Property Policy Form may be issued to owners or lessees of non-residential buildings or units, or residential condominium buildings that are uninsurable under the Residential Condominium Building Association Policy (RCBAP).

In communities participating in the NFIP Regular Program or Emergency Program the General Property Policy provides building and/or contents coverage for these and similar “other residential” risks:

• Hotel or motel with normal guest occupancy of 6 months or more
• Apartment building
• Residential cooperative building
• Dormitory
• Assisted-living facility

The Residential Condominium Building Association Policy Form may be issued to condominium associations to insure eligible residential condominium buildings.

In participating NFIP Regular Program communities only, provides building coverage and, if desired, coverage of commonly owned contents for residential condominium building with 75% or more of its total floor area in residential use.

• Hotel or motel with normal guest occupancy of 6 months or more
• Apartment building
• Residential cooperative building
• Dormitory
• Assisted-living facility