Code of Federal Regulations > Title 7 > Chapter XVIII > Part 1806 > Subpart B > Appendix - Exhibit A to Subpart B of Part 1806

Regulations last checked for updates: Nov 23, 2024

Title 7 - Agriculture last revised: Nov 20, 2024

Appendix - Exhibit A to Subpart B of Part 1806—Coverage and Premium Rates

1. The following table sets forth the limits of coverage available under the program:

Type of structure	Structure coverage		Contents of coverage ⁴
Type of structure	Subsidized	Total ³	Subsidized	Total ³
Single family, residential ¹	$35,000	$70,000	$10,000	$20,000
All other, residential ¹	100,000	200,000	10,000	20,000
All nonresidential ²	100,000	200,000	100,000	200,000

¹ For Alaska, Hawaii, and the Virgin Islands, the following limits of coverage apply: Structure coverage for one family residential is $50,000 subsidized and $100,000 total coverage, and structure coverage for other residential is $150,000 subsidized and $300,000 total coverage.

² Includes hotels and motels with normal occupancy of less than 6 months.

³ Coverage in amounts exceeding the subsidized limits is available only after an actuarial cost has been established and flood insurance rate may be issued.

⁴ Contents of a building must be insured separately from the building. However, coverage is applicable to contents only while in an enclosed building. Therefore, coverage cannot be written on the contents of a three-walled machinery shed or a similar type open building.

2. The following table sets forth the applicable premium rates:

Type of structure	Rates per $100 of coverage (subsidized only)
Type of structure	Structures	Contents
All residential	¹ $0.25	$0.35
All nonresidential	¹ .40	.75

¹ Actuarial (nonsubsidized) rates are applicable to any structure, the construction or substantial improvement of which started after Dec. 31, 1974, or the date on which the initial rate map was issued, whichever is later, in identified areas having special flood or mudslide hazards.

authority: 5 U.S.C. 301; 7 U.S.C. 1989; 42 U.S.C. 1480.