Maximum amounts of flood insurance coverage available (Emergency and Regular Program limits)

What this document is

44 C.F.R. s. 61.6 - Maximum amounts of flood insurance coverage available (Emergency and Regular Program limits) is a regulation published by Federal Emergency Management Agency; Office of the Federal Register / National Archives (Electronic Code of Federal Regulations, eCFR). It is one of the documents that insurance license exam questions are written from, including property & casualty, personal lines, claims adjuster practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• 44 C.F.R. § 61.6(b) (Maximum amounts of coverage available)

  “(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.”

• 44 C.F.R. § 61.6(a), Table 1 (single-family dwelling)

  “Occupancy Emergency Program Regular Program Amount Amount Building Coverage Single-Family Dwelling * $35,000 $250,000.”

• 44 C.F.R. § 61.6(a), Table 1 (two-to-four family and other residential buildings)

  “Two-to-Four Family Building * 35,000 $250,000. Other Residential Building (including Multifamily Building) ** 100,000 $500,000.”

• 44 C.F.R. § 61.6(a), Table 1 (other residential building)

  “Other Residential Building (including Multifamily Building) ** 100,000 $500,000.”

• 44 C.F.R. § 61.6(a), Table 1 (residential condominium building)

  “Residential Condominium Building N/A $250,000 times the number of units in the building.”

• 44 C.F.R. § 61.6(a), Table 1 (condominium and non-residential buildings)

  “Residential Condominium Building N/A $250,000 times the number of units in the building. Non-Residential Building 100,000 $500,000.”

• 44 C.F.R. § 61.6(a), Table 1 (contents coverage)

  “Contents Coverage 2 Residential Property 3 10,000 $100,000. Non-Residential Property 100,000 $500,000.”

• 44 C.F.R. § 61.6(a), Table 1 (non-residential contents and note 1)

  “Non-Residential Property 100,000 $500,000. 1 This Table provides the maximum coverage amounts available under the Emergency Program and the Regular Program”

• 44 C.F.R. § 61.6(a), Table 1, note 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.”

• 44 C.F.R. § 61.6(a), Table 1, note 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.”

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