§ 61.6 Maximum amounts of coverage available.
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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
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(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 Available 1
Occupancy
EmergencyProgram
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 Building
N/A
$250,000 times the number of units in the building.
Non-Residential Building
100,000
$500,000.
Contents Coverage 2
Residential Property 3
10,000
$100,000.
Non-Residential Property
100,000
$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]
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