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How much flood insurance coverage is available?
Flood coverage limits for a standard flood policy are:
| Coverage Type | Coverage Limit |
| One to four-family structure | $250,000 |
| One to four-family home contents | $100,000 |
| Other residential structures | $250,000 |
| Other residential contents | $100,000 |
| Business structure | $500,000 |
| Business contents | $500,000 |
| Renter contents | $100,000 |
Back to Frequently Asked Questions: Types of Flood Insurance
PRIMARY RESIDENCE DISCLAIMER
For flood insurance rating purposes, a primary residence is a building that will be lived in by the insured or the insured's spouse for at least 80 percent of the 365 days following the policy effective date. If the building will be lived in for less than 80 percent of the policy year, it is considered to be a non-primary residence.
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