Federal Pacific Stab-Lok panels
Federal Pacific Electric Stab-Lok panels and breakers were common in US homes for decades. You may see "FPE", "Federal Pacific" or "Stab-Lok" on the panel door or breaker faces.
What the CPSC actually said
CPSC investigated FPE Stab-Lok residential breakers in the early 1980s after the manufacturer reported that many breakers did not fully comply with UL requirements. Commission testing confirmed failures of certain UL calibration tests. In March 1983 the Commission closed the investigation because, in its words, the data then available did not establish that the breakers posed a serious risk of injury to consumers. CPSC's later staff note on the release says the Commission closed the matter without making a determination as to the safety of FPE circuit breakers or the accuracy of the manufacturer's position, and there was no recall from that investigation (CPSC).
CPSC advised general safety steps that apply to all breakers and fuses: do not overload circuits, investigate why a breaker trips instead of only resetting it, and consult a licensed electrician when in doubt (CPSC).
Why Florida homeowners still replace them
In practice, many Florida carriers treat FPE / Stab-Lok equipment as ineligible or high risk. One Florida insurance agency reported that 24 of the 26 carriers it represents will not write a home with an FPE panel (WeShop Insurance). That is one agency's experience – always confirm with your own agent and carrier.
What to do next
- Photograph the panel – door label, breaker faces, and main amp rating.
- Ask your insurance agent what documentation they need after replacement (often permit + final inspection and an updated 4-point).
- Compare licensed electrician quotes – whole-panel replacement is the usual path; installing used Stab-Lok breakers is not a modern fix.