{"data":{"id":"us/44-cfr-61.5","jurisdiction":"us","citation":"44 CFR 61.5","heading":"Deductibles.","body":"FEMA must provide policyholders with deductible options in various amounts, up to and including $10,000, subject to the following minimum deductible amounts:\n(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.\n(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.\n(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.\n(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.","path":["Title 44—Emergency Management and Assistance","CHAPTER I—FEDERAL EMERGENCY MANAGEMENT AGENCY, DEPARTMENT OF HOMELAND SECURITY","SUBCHAPTER B—INSURANCE AND HAZARD MITIGATION","PART 61—INSURANCE COVERAGE AND RATES"],"source_url":"https://www.ecfr.gov/api/versioner/v1/full/2026-08-25/title-44.xml","current_through":"2026-08-25","vintage":"","retrieved_at":"2026-08-27T02:26:15Z","sha256":"29147b45461cb40b0f32da244edea0c07e193125dd7c7fc8e0b203c9d78364e7","source_id":"us-cfr","stale":true,"prev":"us/44-cfr-61.4","next":"us/44-cfr-61.6"},"notice":"GroundRules: Original legal text. Not legal advice."}