# 44 CFR § 61.5: Deductibles

> Federal · Regulations · In force

URL: https://www.frixlaw.com/law-library/statutes/ecfr-44-61.5

## Section

- **Citation:** 44 CFR § 61.5
- **Heading:** Deductibles
- **Jurisdiction:** Federal
- **Kind:** Regulations
- **Status:** In force
- **Text as of:** September 22, 2026
- **Source:** Publisher's official text
- **Location:** 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

## Text

FEMA must provide policyholders with deductible options in various amounts, up to and including $10,000, subject to the following minimum deductible amounts:
(a) The minimum deductible for policies covering pre-FIRM buildings charged less than full-risk rates with building coverage amounts less than or equal to $100,000 is $1,500.
(b) The minimum deductible for policies covering pre-FIRM buildings charged less than full-risk rates with building coverage amounts greater than $100,000 is $2,000.
(c) The minimum deductible for policies covering post-FIRM buildings and pre-FIRM buildings charged full risk rates, with building coverage amounts equal to or less than $100,000 is $1,000.
(d) The minimum deductible for policies covering post-FIRM buildings and pre-FIRM buildings charged full risk rates, with building coverage amounts greater than $100,000 is $1,250.
[85 FR 43958, July 20, 2020]

## Nearby sections

- [44 CFR § 61.1 § 61.1 Purpose of part.](https://www.frixlaw.com/law-library/statutes/ecfr-44-61.1.md)
- [44 CFR § 61.2 § 61.2 Definitions.](https://www.frixlaw.com/law-library/statutes/ecfr-44-61.2.md)
- [44 CFR § 61.3 § 61.3 Coverage and benefits provided under the Standard Flood Insurance Policy.](https://www.frixlaw.com/law-library/statutes/ecfr-44-61.3.md)
- [44 CFR § 61.4 § 61.4 Properties in violation of law, regulation, or ordinance.](https://www.frixlaw.com/law-library/statutes/ecfr-44-61.4.md)
- [44 CFR § 61.5 § 61.5 Deductibles.](https://www.frixlaw.com/law-library/statutes/ecfr-44-61.5.md)
- [44 CFR § 61.6 § 61.6 Maximum amounts of coverage available.](https://www.frixlaw.com/law-library/statutes/ecfr-44-61.6.md)
- [44 CFR § 61.7 § 61.7 Risk premium rate determinations.](https://www.frixlaw.com/law-library/statutes/ecfr-44-61.7.md)
- [44 CFR § 61.8 § 61.8 Applicability of risk premium rates.](https://www.frixlaw.com/law-library/statutes/ecfr-44-61.8.md)
- [44 CFR § 61.9 § 61.9 Establishment of chargeable rates.](https://www.frixlaw.com/law-library/statutes/ecfr-44-61.9.md)
- [44 CFR § 61.10 § 61.10 Requirements for issuance or renewal of flood insurance coverage.](https://www.frixlaw.com/law-library/statutes/ecfr-44-61.10.md)
- [44 CFR § 61.11 § 61.11 Effective date and time of coverage under the Standard Flood Insurance Policy—New Business Applications and Endorsements.](https://www.frixlaw.com/law-library/statutes/ecfr-44-61.11.md)
- [44 CFR § 61.12 § 61.12 Rates based on a flood protection system involving Federal funds.](https://www.frixlaw.com/law-library/statutes/ecfr-44-61.12.md)
- [44 CFR § 61.13 § 61.13 Standard Flood Insurance Policy.](https://www.frixlaw.com/law-library/statutes/ecfr-44-61.13.md)
- [44 CFR § 61.14 § 61.14 Standard Flood Insurance Policy Interpretations.](https://www.frixlaw.com/law-library/statutes/ecfr-44-61.14.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/ecfr-44-61.5. Check the current official text before relying on it. Not legal advice.