44 CFR § 61.5 - Deductibles.

---
identifier: "/us/cfr/t44/s61.5"
source: "ecfr"
legal_status: "authoritative_unofficial"
title: "44 CFR § 61.5 - Deductibles."
title_number: 44
title_name: "Emergency Management and Assistance"
section_number: "61.5"
section_name: "Deductibles."
chapter_name: "FEDERAL EMERGENCY MANAGEMENT AGENCY, DEPARTMENT OF HOMELAND SECURITY"
subchapter_number: "B"
subchapter_name: "INSURANCE AND HAZARD MITIGATION"
part_number: "61"
part_name: "INSURANCE COVERAGE AND RATES"
positive_law: false
currency: "2026-03-24"
last_updated: "2026-03-24"
format_version: "1.1.0"
generator: "[email protected]"
authority: "42 U.S.C. 4001  6 U.S.C. 101"
regulatory_source: "43 FR 2570, Jan. 17, 1978, unless otherwise noted. Redesignated at 44 FR 31177, May 31, 1979."
cfr_part: "61"
---


# 61.5 Deductibles.

FEMA must provide policyholders with deductible options in various amounts, up to and including $10,000, subject to the following minimum deductible amounts:

(a) The minimum deductible for policies covering pre-FIRM buildings charged less than full-risk rates with building coverage amounts less than or equal to $100,000 is $1,500.

(b) The minimum deductible for policies covering pre-FIRM buildings charged less than full-risk rates with building coverage amounts greater than $100,000 is $2,000.

(c) The minimum deductible for policies covering post-FIRM buildings and pre-FIRM buildings charged full risk rates, with building coverage amounts equal to or less than $100,000 is $1,000.

(d) The minimum deductible for policies covering post-FIRM buildings and pre-FIRM buildings charged full risk rates, with building coverage amounts greater than $100,000 is $1,250.

[85 FR 43958, July 20, 2020]