what is the maximum fdic insurance
Currently, the basic FDIC insurance limit is $250,000 per depositor (account holder), per insured bank. This amount includes principal and accrued interest through the bank's closing date. Note that coverage is calculated per bank, not per account.
Not much room to maneuver here. You can, however, get more insurance if you are willing to have it go to others when you pass on, but more on that later. The FDIC does consider an IRA a separate depositor and insured separately. Thus, one individual can stash $250,000 in a taxable account and another $250k in an IRA account.