Should I replace the Federal Pacific panel?

Yes, you should replace a Federal Pacific panel, particularly Federal Pacific Electric Stab-Lok panels installed from the 1950s to 1980s, as soon as possible, as they are widely considered unsafe by electricians, home inspectors, and insurance companies. Independent testing has shown that Federal Pacific Stab-Lok breakers fail to trip in up to 60 percent of overload conditions, meaning they will not shut off power when wires overheat, creating serious fire hazards where wires can melt and start fires inside walls. The panels also have design flaws including poor bus connections, breakers that appear off while still energized, and breakers that fall out. Federal Pacific Electric went out of business in the 1980s after lawsuits and loss of UL listing amid allegations of fraudulent testing. Most insurance companies refuse to insure homes with Federal Pacific panels or charge higher premiums, and home inspectors flag them during sales. The cost to replace a Federal Pacific panel with a modern safe panel from Square D QO, Eaton BR or CH, or Siemens by a licensed electrician is typically 1,500 to 3,500 dollars for 100 to 200 amps, which is a worthwhile investment for safety and insurability. Do not attempt to replace individual breakers with aftermarket replacements, as the panel itself is flawed. Immediate replacement is strongly recommended.