Floodsmart.gov: Types Of Policies

Types of Policies

If your community participates in the National Flood Insurance Program (NFIP), you can get NFIP flood insurance. Find out if your community participates

Standard Flood Insurance Policy Information

The NFIP offers three different types of Standard Flood Insurance Policies. To see a full description of coverage for each type, download the following forms from the NFIP Web site.

Dwelling - Insures residential buildings (buildings with 1 to 4 families) and/or contents, residential condominium units, manufactured homes, and renters contents.
General Property - Insures residential buildings of more than four families, as well as commercial buildings (schools, churches, businesses, etc.).
Residential Condominium Building Association Policy (RCBAP) - Insures eligible buildings owned by condominium associations.

Standard Flood Insurance Coverage Limits

Coverage Type	Coverage Limit
One to four-family structure	$ 250,000
One to four-family home contents	$ 100,000
Other residential structures	$ 250,000
Other residential contents	$ 100,000
Business structure	$ 500,000
Business contents	$ 500,000
Renter contents	$ 100,000
RCBAP	$ 250,000 x number of units

Flood Insurance Basics
12 different factors determine how your flood insurance premium is calculated. Go to the link below to learn more.
Download Flood Insurance Basics [PDF 40K]

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The average flood insurance policy costs $500 per year.

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