Standard Flood Insurance Policy, Dwelling Form (44 CFR part 61, appendix A(1))

Exactly what this source supports

These are the only claims this record is used to carry anywhere in the library.

• The Dwelling Form defines direct physical loss by or from flood as loss or damage to insured property, directly caused by a flood, and states that there must be evidence of physical changes to the property.

  claim nfip-sfip-dwelling-form#c1

• The Dwelling Form defines actual cash value as the cost to replace an insured item of property at the time of loss, less the value of its physical depreciation.

  claim nfip-sfip-dwelling-form#c2

• The Dwelling Form applies replacement cost settlement to a single family dwelling that is the insured's principal residence when, at the time of loss, the amount of insurance in the policy that applies to the dwelling is 80 percent or more of its full replacement cost immediately before the loss, or is the maximum amount of insurance available under the NFIP. The two branches are stated in the alternative, so satisfying either one meets the insurance-amount condition.

  claim nfip-sfip-dwelling-form#c3

• The Dwelling Form provides separate coverages with separate limits for Building Property and Personal Property, with the limit amounts shown on the Declarations Page, and provides that separate deductibles apply to the building and personal property insured by the policy.

  claim nfip-sfip-dwelling-form#c4

• The Dwelling Form provides that the insurer will pay no more than $2,500 for any one loss to one or more of several listed kinds of personal property, including artwork, photographs, collectibles, or memorabilia, rare books, jewelry, and furs.

  claim nfip-sfip-dwelling-form#c5

• Article II of the Dwelling Form defines flood as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties, one of which is the insured's property, from overflow of inland or tidal waters, from unusual and rapid accumulation or runoff of surface waters from any source, or from mudflow.

  claim nfip-sfip-dwelling-form#c6

• The same definition also reaches collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood.

  claim nfip-sfip-dwelling-form#c7

• Article V of the Dwelling Form excludes any additional living expenses incurred while the insured building is being repaired or is unable to be occupied for any reason, loss of revenue or profits, and loss from interruption of business or production, so the policy pays nothing toward the cost of living elsewhere while a flooded home is repaired.

  claim nfip-sfip-dwelling-form#c8

• Article V.C of the Dwelling Form provides that the insurer does not insure for loss to property caused directly by earth movement even if the earth movement is caused by flood, and gives as examples earthquake, landslide, land subsidence, sinkholes, destabilization or movement of land that results from accumulation of water in subsurface land area, and gradual erosion.

  claim nfip-sfip-dwelling-form#c9

• Article III.A.8 of the Dwelling Form restricts coverage for property in a basement or below the lowest elevated floor to a listed set of items, and requires that they be installed in their functioning locations and, if necessary for operation, connected to a power source.

  claim nfip-sfip-dwelling-form#c10

• Under that same restriction the only personal property covered in a basement or below the lowest elevated floor is air conditioning units of the portable or window type, clothes washers and dryers, and food freezers other than walk-in, together with the food in any freezer.

  claim nfip-sfip-dwelling-form#c11

• Article III.D.2 of the Dwelling Form provides that the insurer will pay up to $30,000 under Coverage D, Increased Cost of Compliance, and that this coverage applies only to policies with building coverage under Coverage A.

  claim nfip-sfip-dwelling-form#c12

Each claim above has its own address. Link to a single claim with/sources/nfip-sfip-dwelling-form#c1, and read the same list with its identifiers, checksums and dates at nfip-sfip-dwelling-form.json. A checksum lets you tell whether a claim you cited still says what it said.

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Reviewer notes

Rechecked 2026-09-05 and extended by seven claims while writing the flood coverage page: the Article II definition of flood, the Article V exclusion of additional living expenses and business interruption, the Article V.C earth movement exclusion, the Article III.A.8 basement and below-lowest-floor restriction with its exact personal property list, and the Coverage D limit. The first draft of this record described how the form settles a loss and said nothing about what it refuses, which made it useful for a valuation question and misleading for anyone asking what flood insurance actually does. eCFR was tried again on 2026-09-05 for the official rendering and again returned a redirect to unblock.federalregister.gov, so the Cornell hosted text remains the accessible copy. Fetched 2026-08-31 and each claim read on the page. Re-fetched on 2026-08-31 to read the Loss Settlement replacement cost condition in full, because an earlier draft quoted only the 80 percent branch; the form states the insurance-amount condition in the alternative, '80 percent or more of its full replacement cost immediately before the loss, or is the maximum amount of insurance available under the NFIP', and both branches are now recorded. eCFR was tried again on 2026-08-31 for the official rendering and returned a redirect to unblock.federalregister.gov rather than the appendix, so the Cornell hosted copy remains the accessible text. authorityLevel is recorded as 'secondary' rather than 'primary-law' for that reason. This is one specific published federal form and is cited as an example that anyone can read, not as representative of private homeowners or commercial form wording.