Federal Pacific Stab-Lok Electrical Panel

The home has a Federal Pacific (FPE) Stab-Lok electrical panel. These panels have long-standing concerns about breakers that may not trip during an overload or short circuit.

Federal Pacific Stab-Lok breaker panel with its cover open, showing the breakers — From a HomeCloud evaluation.

Less commonFix nowSafetyElectrical panel

Why it matters

Breakers that fail to trip significantly increase the risk of overheating, electrical fires, and damage to wiring and connected equipment. Due to the known safety concerns, many insurance companies will not insure homes with active FPE Stab-Lok panels, and replacement is widely recommended regardless of current operating condition.

How common is it?

Found in 1% of the homes HomeCloud evaluated, Sep 2025 to Oct 2026.

Counted by the finding's name on HomeCloud reports, so the true number can be a little higher.

How soon to fix it

HomeCloud reports list this as a fix-now item.

More electrical resources

What kind of electrical panel do I have?How to find your panel's brand and size, fuse vs breaker panels, and what reputable sources say about Federal Pacific Stab-Lok and other older panels.GFCI and AFCI protection explainedWhat GFCI and AFCI protection do, where homes usually have them, how to test them each month, and why many older homes don't.Aluminum wiring in older homesHow to tell if a home has aluminum branch wiring, why the connections are the concern, and the repairs the CPSC considers permanent.

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