Standard Flood Insurance Policy Forms
- Dwelling Policy Form
- General Property Policy Form
- Residential Condominium Building Association Policy (RCBAP) Form
The NFIP offers three Standard Flood Insurance Policy forms. These forms provide policyholders with a description of their coverage and other important coverage information.
Dwelling Policy Form
The Dwelling Policy Form (PDF 332KB, TXT 81KB) -- Issued to homeowners, residential renters, or owners of residential buildings containing two to four units.
In communities participating in the 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
General Property Policy Form
The General Property Policy Form (PDF 325 KB, TXT 73 KB) -- Issued to owners of residential buildings with five or more units, owners or lessees of non-residential buildings or units, and to owners or lessees of non-residential buildings or units
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.
And non-residential risks:
- Shop, restaurant, or other business;
- Mercantile building;
- Grain bin, silo, or other farm building;
- Agricultural or industrial processing facility;
- Factory;
- Warehouse;
- Poolhouse, clubhouse, or other recreational building;
- House of worship;
- School;
- Hotel or motel with normal guest occupancy of less than 6 months;
- Licensed bed-and-breakfast inn;
- Retail;
- Nursing home;
- Non-residential condominium;
- Condominium building with less than 75% of its total floor area in residential use;
- Detached garage;
- Tool shed;
- Stock, inventory, or other commercial contents.
Residential Condominium Building Association Policy (RCBAP) Form
The Residential Condominium Building Association Policy Form (PDF 328KB, TXT 76 KB)-- Issued to residential condominium associations on behalf of association and unit owners.
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.
*Regular Program- The final phase of a community's participation in the National Flood Insurance Program. In this phase, a Flood Insurance Rate Map is in effect and full limits of coverage are available under the Act.
**Emergency Program-The initial phase of a community's participation in the National Flood Insurance Program. During this phase, only limited amounts of insurance are available under the Act.
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Adobe Acrobat (PDF)Last Modified: Tuesday, 30-May-2006 12:04:59 EDT