Questions & answers · Home insurance
My condo association charged me a share of flood repair costs. Does the federal flood policy pay my share?
Home insuranceWho paysChecked Nov 5, 2026
From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-05 · Source: FEMA · Standard Flood Insurance Policy, Dwelling Form (44 CFR Part 61, Appendix A(1)) · Art. III.C.3 (Condominium Loss Assessments) · Art. III.C.3.a and b(2) View original ↗
In short
- The federal flood policy for a condo unit pays your share of an assessment charged by the association.
- The assessment must come from direct physical loss by or from flood during the policy term.
- The policy does not pay an assessment that results from the association's insurance deductible.
What this means
This answer is about the federal National Flood Insurance Program (NFIP) Dwelling Form policy only. If the policy insures a condominium unit, it pays up to the Coverage A limit your share of loss assessments charged against you by the condo association under its articles, declarations and your deed. The assessment must be made because of direct physical loss by or from flood during the policy term to the unit or to the common elements of the insured condo building.
The policy lists assessments it will not pay. One is an assessment that results from a deductible under the association's insurance on the common elements. The sources here do not say how your association's policy is set up.
Your next step
Ask the association for the written assessment notice and the reason for it. Report the assessment to your flood insurer. For the proof-of-loss time, see our answer about the proof-of-loss deadline.
Check it yourself
Open the eCFR page and find "Condominium Loss Assessments" under Coverage C of the policy.
Where this comes from (1)
[1] FEMA · Standard Flood Insurance Policy, Dwelling Form (44 CFR Part 61, Appendix A(1)) · Art. III.C.3 (Condominium Loss Assessments) · Art. III.C.3.a and b(2) · checked 2026-11-05
Condominium Loss Assessments a . Subject to III.C.3.b below, if this policy insures a condominium unit, we will pay, up to the Coverage A limit of liability, your share of loss assessments charged against you by the condominium association in accordance with the condominium association's articles of association, declarations and your deed. The assessment must be made because of direct physical loss by or from flood d…
How we found this
We matched your question to 1 official source, quoted the exact lines, and re-checked each quote against its source on 2026-11-05.
What we don’t know yet
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Information only — not legal advice. Your plan, insurer or agency decides.
This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.
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