How the Regular National Flood Insurance Program Works


The Regular Program

A community participating in the Regular Phase of the NFIP is usually provided with a Flood Insurance Rate Map (FIRM) and a detailed engineering study, termed a Flood Insurance Study (FIS) is often conducted. Under the Regular Phase of the NFIP, more comprehensive floodplain management requirements are imposed on the community in exchange for higher amounts of flood insurance coverage.

  1. FEMA authorizes the sale of additional flood insurance in the community up to the Regular Program limits.
  2. Community implements adopted floodplain management measures.
  3. FEMA arranges for periodic community assistance visits with local officials to provide technical assistance regarding complying with NFIP floodplain management requirements.
  4. Local officials may request flood map updates as needed. FEMA evaluates requests, encourages cost-sharing, and issues revised maps as priorities dictate.
Regular Program
Flood Insurance Coverage
Building CoverageBasic
Insurance
Limits
Additional
Insurance
Limits
Total
Insurance
Available
Single Family Dwelling$ 50,000$200,000$250,000
2-4 Family Dwelling$ 50,000$200,000$250,000
Other Residential$135,000$115,000$250,000
Non-Residential
or Small Business
$135,000$365,000$500,000
Contents Coverage
(per unit)
Basic
Insurance
Limits
Additional
Insurance
Limits
Total
Insurance
Available
Residential$ 15,000$ 85,000$100,000
Non-Residential
or Small Business
$115,000$385,000$500,000


Updated: 9/9/1998