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e-CFR data is current as of July 1, 2020

Title 7Subtitle BChapter XVIIISubchapter APart 1806Subpart B → Appendix

Title 7: Agriculture
Subpart B—National Flood Insurance

Exhibit A to Subpart B of Part 1806—Coverage and Premium Rates

1. The following table sets forth the limits of coverage available under the program:

Type of structureStructure coverageContents of coverage4
Single family, residential1$35,000$70,000$10,000$20,000
All other, residential1100,000200,00010,00020,000
All nonresidential2100,000200,000100,000200,000

1For Alaska, Hawaii, and the Virgin Islands, the following limits of coverage apply: Structure coverage for one family residential is $50,000 subsidized and $100,000 total coverage, and structure coverage for other residential is $150,000 subsidized and $300,000 total coverage.

2Includes hotels and motels with normal occupancy of less than 6 months.

3Coverage in amounts exceeding the subsidized limits is available only after an actuarial cost has been established and flood insurance rate may be issued.

4Contents of a building must be insured separately from the building. However, coverage is applicable to contents only while in an enclosed building. Therefore, coverage cannot be written on the contents of a three-walled machinery shed or a similar type open building.

2. The following table sets forth the applicable premium rates:

Type of structureRates per $100 of coverage (subsidized only)
All residential1$0.25$0.35
All nonresidential1.40.75

1Actuarial (nonsubsidized) rates are applicable to any structure, the construction or substantial improvement of which started after Dec. 31, 1974, or the date on which the initial rate map was issued, whichever is later, in identified areas having special flood or mudslide hazards.

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