Flood Insurance Policy – Copies on the internet

The Dwelling Policy Form may be issued to homeowners, residential renters and condominium unit-owners, owners of residential buildings containing two to four units.

In communities participating in the NFIP Regular Program ² or Emergency Program ³ 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

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 RCBAP.

In communities participating in the NFIP Regular Program ² or Emergency Program ³ 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.

The Residential Condominium Building Association Policy Form may be issued to condominium associations to insure eligible residential condominium buildings.

In participating NFIP Regular Program ² 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.