Smoke Detectors Does FHA Require Them?

by Michael on July 21, 2011

I was recently asked if smoke & CO detectors are required for FHA financing, and the short answer is “yes.” First, MN statute 299F.362 requires all homes to have a smoke alarm(s) installed in their home, as well as other types of dwellings. Second, MN statute 299F.50 requires that all homes have a carbon monoxide detector(s) installed.

HUD requires all HUD owned rental properties to have smoke detectors, as well as any FHA sales using the 203K program. No where does it specifically state in the FHA handbook 4150.2 and appendix D, that smoke and/or carbon dioxide detectors are required. So technically an appraiser wouldn’t need to require them according to the handbook. However, HUD’s H&S (health and safety) does state, “protect the health and safety of the occupants.”

The bottom line is that MN state law requires both smoke and carbon monoxide detectors to be installed, and appraisers are required to make sure FHA insured properties are free from health and safety issues; the appraiser should make sure the property has the proper detectors.

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