source:
  type: regulation
  id: flood-42usc-4013
  authority: National Flood Insurance Act (42 U.S.C.) § 4013 — Nature and limitation of insurance coverage
  description: 'National Flood Insurance Act (42 U.S.C.), §4013 Nature and limitation of insurance coverage. Captured
    section-complete from Cornell LII (verbatim).

    '
obligations:
- id: flood-42usc-4013-a
  canonical_id: flood-42usc-4013-a
  section: 42 U.S.C. §4013(a)
  description: 'Nature and limitation of insurance coverage — (a): (a) Regulations respecting general terms and
    conditions of insurability The Administrator shall from time to time, after consultation with the advisory committee
    authorized under section 4025 of this title , appropriate representatives of the pool formed or otherwise created
    under section 4051 of th…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: National Flood Insurance Act (42 U.S.C.) § 4013
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/42/4013
    snapshot_id: bcf128c59e00aac1
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:5192bba14b574685881a742045fe8e7598d2213ab7eb4ef094812e595a8ec473
    paragraph_quote: (a) Regulations respecting general terms and conditions of insurability The Administrator shall
      from time to time, after consultation with the advisory committee authorized under section 4025 of this title
      , appropriate representatives of the pool formed or otherwise created under section 4051 of this title , and
      appropriate representatives of the insurance authorities of the respective States, provide by regulation for
      general terms and conditions of insurability which shall be applicable to properties eligible for flood insurance
      coverage under section 4012 of this title , including— (1) the types, classes, and locations of any such properties
      which shall be eligible for flood insurance; (2) the nature and limits of loss or damage in any areas (or
      subdivisions thereof) which may be covered by such insurance; (3) the classification, limitation, and rejection
      of any risks which may be advisable; (4) appropriate minimum premiums; (5) appropriate loss-deductibles; and
      (6) any other terms and conditions relating to insurance coverage or exclusion which may be necessary to carry
      out the purposes of this chapter.
    drafter_attestation: Verbatim slice of 42 U.S.C. §4013 subsection (a) from Cornell LII snapshot bcf128c59e00aac1;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: flood-42usc-4013-b
  canonical_id: flood-42usc-4013-b
  section: 42 U.S.C. §4013(b)
  description: 'Nature and limitation of insurance coverage — (b): (b) Regulations respecting amount of coverage
    In addition to any other terms and conditions under subsection (a), such regulations shall provide that— (1)
    any flood insurance coverage based on chargeable premium rates under section 4015 of this title which are less
    than the estimated premium rates u…'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: National Flood Insurance Act (42 U.S.C.) § 4013
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/42/4013
    snapshot_id: bcf128c59e00aac1
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:5192bba14b574685881a742045fe8e7598d2213ab7eb4ef094812e595a8ec473
    paragraph_quote: (b) Regulations respecting amount of coverage In addition to any other terms and conditions
      under subsection (a), such regulations shall provide that— (1) any flood insurance coverage based on chargeable
      premium rates under section 4015 of this title which are less than the estimated premium rates under section
      4014(a)(1) of this title shall not exceed— (A) in the case of residential properties—
    drafter_attestation: Verbatim slice of 42 U.S.C. §4013 subsection (b) from Cornell LII snapshot bcf128c59e00aac1;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: flood-42usc-4013-i
  canonical_id: flood-42usc-4013-i
  section: 42 U.S.C. §4013(i)
  description: 'Nature and limitation of insurance coverage — (i): (i) $35,000 aggregate liability for any single-family
    dwelling, and $100,000 for any residential structure containing more than one dwelling unit, (ii) $10,000 aggregate
    liability per dwelling unit for any contents related to such unit, and (iii) in the States of Alaska and Hawaii,
    and in the Virgin…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: National Flood Insurance Act (42 U.S.C.) § 4013
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/42/4013
    snapshot_id: bcf128c59e00aac1
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:5192bba14b574685881a742045fe8e7598d2213ab7eb4ef094812e595a8ec473
    paragraph_quote: '(i) $35,000 aggregate liability for any single-family dwelling, and $100,000 for any residential
      structure containing more than one dwelling unit, (ii) $10,000 aggregate liability per dwelling unit for any
      contents related to such unit, and (iii) in the States of Alaska and Hawaii, and in the Virgin Islands and
      Guam; the limits provided in clause (i) of this sentence shall be: $50,000 aggregate liability for any single-family
      dwelling, and $150,000 for any residential structure containing more than one dwelling unit; (B) in the case
      of business properties which are owned or leased and operated by small business concerns, an aggregate liability
      with respect to any single structure, including any contents thereof related to premises of small business
      occupants (as that term is defined by the Administrator ), which shall be equal to (i) $100,000 plus (ii)
      $100,000 multiplied by the number of such occupants and shall be allocated among such occupants (or among
      the occupant or occupants and the owner) under regulations prescribed by the Administrator ; except that the
      aggregate liability for the structure itself may in no case exceed $100,000; and (C) in the case of church
      properties and any other properties which may become eligible for flood insurance under section 4012 of this
      title —'
    drafter_attestation: Verbatim slice of 42 U.S.C. §4013 subsection (i) from Cornell LII snapshot bcf128c59e00aac1;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: flood-42usc-4013-i
  canonical_id: flood-42usc-4013-i
  section: 42 U.S.C. §4013(i)
  description: 'Nature and limitation of insurance coverage — (i): (i) $100,000 aggregate liability for any single
    structure, and (ii) $100,000 aggregate liability per unit for any contents related to such unit; and (2) in
    the case of any residential building designed for the occupancy of from 1 to 4 families for which the risk premium
    rate is determined in accorda…'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: National Flood Insurance Act (42 U.S.C.) § 4013
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/42/4013
    snapshot_id: bcf128c59e00aac1
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:5192bba14b574685881a742045fe8e7598d2213ab7eb4ef094812e595a8ec473
    paragraph_quote: (i) $100,000 aggregate liability for any single structure, and (ii) $100,000 aggregate liability
      per unit for any contents related to such unit; and (2) in the case of any residential building designed for
      the occupancy of from 1 to 4 families for which the risk premium rate is determined in accordance with the
      provisions of section 4014(a)(1) of this title , additional flood insurance in excess of the limits specified
      in clause (i) of subparagraph (A) of paragraph (1) shall be made available, with respect to any single such
      building, up to an aggregate liability (including such limits specified in paragraph (1)(A)(i)) of $250,000;
      (3) in the case of any residential property for which the risk premium rate is determined in accordance with
      the provisions of section 4014(a)(1) of this title , additional flood insurance in excess of the limits specified
      in clause (ii) of subparagraph (A) of paragraph (1) shall be made available to every insured upon renewal
      and every applicant for insurance so as to enable any such insured or applicant to receive coverage up to
      a total amount (including such limits specified in paragraph (1)(A)(ii)) of $100,000; (4) in the case of any
      nonresidential building, including a church, for which the risk premium rate is determined in accordance with
      the provisions of section 4014(a)(1) of this title , additional flood insurance in excess of the limits specified
      in subparagraphs (B) and (C) of paragraph (1) shall be made available with respect to any single such building,
      up to an aggregate liability (including such limits specified in subparagraph (B) or (C) of paragraph (1),
      as applicable) of $500,000, and coverage shall be made available up to a total of $500,000 aggregate liability
      for contents owned by the building owner and $500,000 aggregate liability for each unit within the building
      for contents owned by the tenant; and (5) any flood insurance coverage which may be made available in excess
      of the limits specified in subparagraph (A), (B), or (C) of paragraph (1), shall be based only on chargeable
      premium rates under section 4015 of this title , which are not less than the estimated premium rates under
      section 4014(a)(1) of this title , and the amount of such excess coverage shall not in any case exceed an
      amount equal to the applicable limit so specified (or allocated) under paragraph (1)(C), (2), (3), or (4),
      as applicable.
    drafter_attestation: Verbatim slice of 42 U.S.C. §4013 subsection (i) from Cornell LII snapshot bcf128c59e00aac1;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: flood-42usc-4013-c
  canonical_id: flood-42usc-4013-c
  section: 42 U.S.C. §4013(c)
  description: 'Nature and limitation of insurance coverage — (c): (c) Effective date of policies (1) Waiting period
    Except as provided in paragraph (2), coverage under a new contract for flood insurance coverage under this chapter
    entered into after September 23, 1994 , and any modification to coverage under an existing flood insurance contract
    made after Septembe…'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: National Flood Insurance Act (42 U.S.C.) § 4013
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/42/4013
    snapshot_id: bcf128c59e00aac1
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:5192bba14b574685881a742045fe8e7598d2213ab7eb4ef094812e595a8ec473
    paragraph_quote: (c) Effective date of policies (1) Waiting period Except as provided in paragraph (2), coverage
      under a new contract for flood insurance coverage under this chapter entered into after September 23, 1994
      , and any modification to coverage under an existing flood insurance contract made after September 23, 1994
      , shall become effective upon the expiration of the 30-day period beginning on the date that all obligations
      for such coverage (including completion of the application and payment of any initial premiums owed) are satisfactorily
      completed. (2) Exception The provisions of paragraph (1) shall not apply to— (A) the initial purchase of flood
      insurance coverage under this chapter when the purchase of insurance is in connection with the making, increasing,
      extension, or renewal of a loan; (B) the initial purchase of flood insurance coverage pursuant to a revision
      or updating of floodplain areas or flood -risk zones under section 4101(f) of this title , if such purchase
      occurs during the 1-year period beginning upon publication of notice of the revision or updating under section
      4101(h) of this title ; or (C) the initial purchase of flood insurance coverage for private property if—
    drafter_attestation: Verbatim slice of 42 U.S.C. §4013 subsection (c) from Cornell LII snapshot bcf128c59e00aac1;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: flood-42usc-4013-i
  canonical_id: flood-42usc-4013-i
  section: 42 U.S.C. §4013(i)
  description: 'Nature and limitation of insurance coverage — (i): (i) the Administrator determines that the property
    is affected by flooding on Federal land that is a result of, or is exacerbated by, post-wildfire conditions,
    after consultation with an authorized employee of the Federal agency that has jurisdiction of the land on which
    the wildfire that caused the…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: National Flood Insurance Act (42 U.S.C.) § 4013
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/42/4013
    snapshot_id: bcf128c59e00aac1
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:5192bba14b574685881a742045fe8e7598d2213ab7eb4ef094812e595a8ec473
    paragraph_quote: (i) the Administrator determines that the property is affected by flooding on Federal land
      that is a result of, or is exacerbated by, post-wildfire conditions, after consultation with an authorized
      employee of the Federal agency that has jurisdiction of the land on which the wildfire that caused the post-wildfire
      conditions occurred; and (ii) the flood insurance coverage was purchased not later than 60 days after the
      fire containment date, as determined by the appropriate Federal employee, relating to the wildfire that caused
      the post-wildfire conditions described in clause (i).
    drafter_attestation: Verbatim slice of 42 U.S.C. §4013 subsection (i) from Cornell LII snapshot bcf128c59e00aac1;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: flood-42usc-4013-d
  canonical_id: flood-42usc-4013-d
  section: 42 U.S.C. §4013(d)
  description: 'Nature and limitation of insurance coverage — (d): (d) Optional high-deductible policies for residential
    properties (1) Availability In the case of residential properties, the Administrator shall make flood insurance
    coverage available, at the option of the insured, that provides for a loss-deductible for damage to the covered
    property in various am…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: National Flood Insurance Act (42 U.S.C.) § 4013
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/42/4013
    snapshot_id: bcf128c59e00aac1
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:5192bba14b574685881a742045fe8e7598d2213ab7eb4ef094812e595a8ec473
    paragraph_quote: (d) Optional high-deductible policies for residential properties (1) Availability In the case
      of residential properties, the Administrator shall make flood insurance coverage available, at the option
      of the insured, that provides for a loss-deductible for damage to the covered property in various amounts,
      up to and including $10,000. (2) Disclosure (A) Form The Administrator shall provide the information described
      in subparagraph (B) clearly and conspicuously on the application form for flood insurance coverage or on a
      separate form, segregated from all unrelated information and other required disclosures. (B) Information The
      information described in this subparagraph is—
    drafter_attestation: Verbatim slice of 42 U.S.C. §4013 subsection (d) from Cornell LII snapshot bcf128c59e00aac1;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: flood-42usc-4013-i
  canonical_id: flood-42usc-4013-i
  section: 42 U.S.C. §4013(i)
  description: 'Nature and limitation of insurance coverage — (i): (i) information sufficient to inform the applicant
    of the availability of the coverage option required by paragraph (1) to applicants for flood insurance coverage;
    and (ii) a statement explaining the effect of a loss-deductible and that, in the event of an insured loss, the
    insured is responsible ou…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: National Flood Insurance Act (42 U.S.C.) § 4013
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/42/4013
    snapshot_id: bcf128c59e00aac1
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:5192bba14b574685881a742045fe8e7598d2213ab7eb4ef094812e595a8ec473
    paragraph_quote: (i) information sufficient to inform the applicant of the availability of the coverage option
      required by paragraph (1) to applicants for flood insurance coverage; and (ii) a statement explaining the
      effect of a loss-deductible and that, in the event of an insured loss, the insured is responsible out-of-pocket
      for losses to the extent of the deductible selected. ( Pub. L. 90–448, title XIII, § 1306 , Aug. 1, 1968 ,
      82 Stat. 575 ; Pub. L. 92–213, § 2(c)(2) , Dec. 22, 1971 , 85 Stat. 775 ; Pub. L. 93–234, title I, § 101 ,
      Dec. 31, 1973 , 87 Stat. 977 ; Pub. L. 95–128, title VII, § 704(a) , Oct. 12, 1977 , 91 Stat. 1145 ; Pub.
      L. 98–181, title I [title IV, § 451(d)(1)], Nov. 30, 1983 , 97 Stat. 1229 ; Pub. L. 100–242, title V, § 544(a)
      , Feb. 5, 1988 , 101 Stat. 1940 ; Pub. L. 100–628, title X, § 1086(a) , Nov. 7, 1988 , 102 Stat. 3278 ; Pub.
      L. 100–707, title I, § 109 ( o ), Nov. 23, 1988 , 102 Stat. 4709 ; Pub. L. 101–137, § 1(c) , Nov. 3, 1989
      , 103 Stat. 824 ; Pub. L. 101–508, title II, § 2302(d) , Nov. 5, 1990 , 104 Stat. 1388–23 ; Pub. L. 103–325,
      title V , §§ 552(a), 573, 579(a), Sept. 23, 1994 , 108 Stat. 2269 , 2278, 2284; Pub. L. 112–141, div. F, title
      II , §§ 100228, 100238(b)(1), 100241, July 6, 2012 , 126 Stat. 944 , 958, 962; Pub. L. 113–89, § 12 , Mar.
      21, 2014 , 128 Stat. 1025 .)
    drafter_attestation: Verbatim slice of 42 U.S.C. §4013 subsection (i) from Cornell LII snapshot bcf128c59e00aac1;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
