There are three standard policy forms for insurance under the National Flood Insurance Program, made available under their June, 2014 policy form distribution. Copies may be obtained directly from the FEMA.Gov website in PDF format:
These links and other information below are provided as a courtesy, only, and the user should confirm that the links, documents and content represent the latest forms available.
Under the Biggert-Waters Flood Reform Act of 2012 1, Congress required the NFIP policy to state the conditions, exclusions, and coverage limitations in plain English, in boldface type, and in a font size that is twice the size of the text of the body of the policy.
In response, the NFIP printed 99% of the policy form in bold, large print, using 18pt Arial Narrow font (in an insurance policy, nearly everything is a condition, exclusion or coverage limitation). The inconsequential remainder of the policy is in 9pt Arial font. The prior dwelling form was a manageable 19 pages; the new form is 47 pages. The format of the old printed policies and PDF's were far easier to read 2
The Dwelling Policy Form may be issued to homeowners, residential renters and condominium unit-owners, owners of residential buildings containing two to four units.
The General Property Policy Form may be issued to owners or lessees of non-residential buildings or units, or residential condominium buildings that are uninsurable under the Residential Condominium Building Association Policy (RCBAP).
In communities participating in the NFIP Regular Program 4 or Emergency Program 5 the General Property Policy provides building and/or contents coverage for these and similar "other residential" risks:
And non-residential risks:
The Residential Condominium Building Association Policy Form may be issued to condominium associations to insure eligible residential condominium buildings.
In participating NFIP Regular Program 4 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.
3 Information on this web page derived from the FEMA.Gov website and is presented as a courtesy, only. For current information, consult FEMA.Gov, directly. The user must independently confirm with FEMA/NFIP that the policy forms, the documents' contents, and this web page's content, are current and correctly reflect the current state of relevant statutes, law and regulation.
4 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.