Your inspection found a Federal Pacific panel — how worried should you be?
If your report says "Federal Pacific" or "Stab-Lok," you've hit one of the most common big-ticket electrical flags. Here's the calm version.
Why it's flagged
Federal Pacific Electric (FPE) Stab-Lok panels, common in homes built ~1950–1990, have a documented history of breakers that may fail to trip under fault — a fire risk. Most inspectors and electricians recommend replacement on sight, even if it "works."
How serious
It's a genuine safety item, not cosmetic — but it's also a known, bounded cost. Replacing the panel typically runs $1,500–$4,000 depending on amperage and access.
What to do
- Get an electrician's quote (or a credible estimate) for a full panel replacement.
- Ask for a credit at closing — you control the work and the electrician.
- Factor it into your offer as a near-term certainty, not a maybe. Insurers sometimes balk at FPE, so it's worth resolving regardless.