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  "id": "nfip-sfip-dwelling-form",
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  "contentVersion": "2026.08.31",
  "generatedFor": "2026-09-06",
  "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": "2026-08-31",
  "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",
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      "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."
    }
  ],
  "reliedOnBy": [
    {
      "kind": "Question",
      "title": "Why can two insurance policies with the same limit protect differently?",
      "url": "https://bestinsuranceresearch.com/questions/same-limit-different-protection"
    },
    {
      "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": 3,
  "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."
  }
}