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  "id": "nfip-sfip-dwelling-form",
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  "contentVersion": "2026.08.31",
  "generatedFor": "2026-09-07",
  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
    "license": "6013787",
    "licenseAuthority": "California Department of Insurance"
  },
  "license": "Text on this page may be quoted with attribution and a link to the canonical URL.",
  "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.",
  "title": "Standard Flood Insurance Policy, Dwelling Form (44 CFR part 61, appendix A(1))",
  "publisher": "FEMA National Flood Insurance Program, Code of Federal Regulations, text hosted by Cornell Legal Information Institute",
  "url": "https://www.law.cornell.edu/cfr/text/44/appendix-A(1)_to_part_61",
  "officialHost": false,
  "sourceType": "policy-form",
  "authorityLevel": "secondary",
  "primary": true,
  "jurisdiction": "US",
  "publishedDate": "unknown",
  "effectiveDate": "n/a",
  "accessedDate": "2026-08-31",
  "lastChecked": "2026-09-05",
  "updateCadence": "FEMA amends the Standard Flood Insurance Policy by rulemaking; confirm the current codified text on eCFR or govinfo before relying on it.",
  "status": "active",
  "supportsClaims": [
    {
      "claimId": "nfip-sfip-dwelling-form#c1",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/nfip-sfip-dwelling-form#c1",
      "checksum": "ee6dad6bea97",
      "text": "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."
    },
    {
      "claimId": "nfip-sfip-dwelling-form#c2",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/nfip-sfip-dwelling-form#c2",
      "checksum": "43c3ec43bb39",
      "text": "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."
    },
    {
      "claimId": "nfip-sfip-dwelling-form#c3",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/nfip-sfip-dwelling-form#c3",
      "checksum": "b54794fc5200",
      "text": "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."
    },
    {
      "claimId": "nfip-sfip-dwelling-form#c4",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/nfip-sfip-dwelling-form#c4",
      "checksum": "c73967c84a14",
      "text": "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."
    },
    {
      "claimId": "nfip-sfip-dwelling-form#c5",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/nfip-sfip-dwelling-form#c5",
      "checksum": "695da3a435c5",
      "text": "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."
    },
    {
      "claimId": "nfip-sfip-dwelling-form#c6",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/nfip-sfip-dwelling-form#c6",
      "checksum": "ecf96435a9ec",
      "text": "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."
    },
    {
      "claimId": "nfip-sfip-dwelling-form#c7",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/nfip-sfip-dwelling-form#c7",
      "checksum": "1e1adedad11a",
      "text": "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."
    },
    {
      "claimId": "nfip-sfip-dwelling-form#c8",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/nfip-sfip-dwelling-form#c8",
      "checksum": "49203043ca8d",
      "text": "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."
    },
    {
      "claimId": "nfip-sfip-dwelling-form#c9",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/nfip-sfip-dwelling-form#c9",
      "checksum": "b19fb5a50806",
      "text": "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."
    },
    {
      "claimId": "nfip-sfip-dwelling-form#c10",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/nfip-sfip-dwelling-form#c10",
      "checksum": "821158ca4c67",
      "text": "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."
    },
    {
      "claimId": "nfip-sfip-dwelling-form#c11",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/nfip-sfip-dwelling-form#c11",
      "checksum": "c09b20097852",
      "text": "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."
    },
    {
      "claimId": "nfip-sfip-dwelling-form#c12",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/nfip-sfip-dwelling-form#c12",
      "checksum": "8404a3cd942f",
      "text": "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."
    }
  ],
  "reliedOnBy": [
    {
      "kind": "Question",
      "title": "Is anything in my basement covered by flood insurance?",
      "url": "https://bestinsuranceresearch.com/questions/flood-insurance-basement-contents"
    },
    {
      "kind": "Question",
      "title": "Does flood insurance pay for somewhere to live while my home is repaired?",
      "url": "https://bestinsuranceresearch.com/questions/flood-insurance-living-expenses"
    },
    {
      "kind": "Question",
      "title": "Why can two insurance policies with the same limit protect differently?",
      "url": "https://bestinsuranceresearch.com/questions/same-limit-different-protection"
    },
    {
      "kind": "Question",
      "title": "Should I schedule valuables on my homeowners policy or buy a separate floater?",
      "url": "https://bestinsuranceresearch.com/questions/schedule-valuables-or-separate-floater"
    },
    {
      "kind": "Question",
      "title": "Why did my policy pay so little for stolen jewellery when my contents limit is large?",
      "url": "https://bestinsuranceresearch.com/questions/why-jewelry-claim-paid-so-little"
    },
    {
      "kind": "Coverage",
      "title": "Condominium unit owners insurance (California)",
      "url": "https://bestinsuranceresearch.com/insurance/condominium-unit-owners-california"
    },
    {
      "kind": "Coverage",
      "title": "Flood insurance (National Flood Insurance Program)",
      "url": "https://bestinsuranceresearch.com/insurance/flood-nfip"
    },
    {
      "kind": "Coverage",
      "title": "Scheduled personal property (California)",
      "url": "https://bestinsuranceresearch.com/insurance/scheduled-personal-property-california"
    },
    {
      "kind": "Module",
      "title": "Residential Property Position (2 checks)",
      "url": "https://bestinsuranceresearch.com/tools/property-position"
    },
    {
      "kind": "Module",
      "title": "California Earthquake Coverage (1 check)",
      "url": "https://bestinsuranceresearch.com/tools/earthquake-pathways"
    }
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  "reliedOnByCount": 10,
  "citation": {
    "text": "FEMA National Flood Insurance Program, Code of Federal Regulations, text hosted by Cornell Legal Information Institute. \"Standard Flood Insurance Policy, Dwelling Form (44 CFR part 61, appendix A(1)).\" unknown. https://www.law.cornell.edu/cfr/text/44/appendix-A(1)_to_part_61 (retrieved 2026-08-31).",
    "viaThisSite": "BestInsurance Research source record nfip-sfip-dwelling-form, content version 2026.08.31. https://bestinsuranceresearch.com/sources/nfip-sfip-dwelling-form",
    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
  }
}