NFIP Coverage Limits

There are maximum limits available through the NFIP as currently authorized by Congress. In essence, you cannot sell more than this coverage through the NFIP or a WYO company. 

Currently, in Regular Program communities, the maximum limit for all one- to four-family residential buildings is $250,000, and contents coverage is limited to $100,000.

The maximum coverage limit for non-condominium residential buildings with five or more units (classified as Other Residential) is $500,000 with a contents maximum limit of $100,000. 

For Non-Residential Business and Other Non-Residential buildings, the maximums are $500,000 each for building and contents.

Available limits for the entry-level Emergency Program communities are much lower.

A graphic with two rows, each split into three boxes. The left row has the words Regular Program written at the top. In the top box, there is a residential house with the number $250,000 beneath it. To the right is a couch with the number $100,000 beneath it. In the middle box, there is a non-condominium residential building with the number $500,000 beneath it. To the right is a couch with the number $100,000 beneath it. In the bottom box, there is a non-residential building with the number $500,000 beneath it. To the right is a couch with the number $500,000 beneath it. The right row has the words Emergency Program written at the top. In the top box, there is a residential house with the number $35,000 beneath it. To the right is a couch with the number $10,000 beneath it. In the middle box, there is a non-condominium residential building with the number $100,000 beneath it. To the right is a couch with the number $10,000 beneath it. In the bottom box, there is a non-residential building with the number $100,000 beneath it. To the right is a couch with the number $100,000 beneath it.
Graphic of a lightbulb

Agent Tip: If the insured needs more coverage, there are excess flood markets available through private carriers.