A normal homeowners insurance policy does not cover flood damage.
Buying Flood Insurance
There are many ways is which even a minor flood can damage your home or possessions. A normal homeowners insurance policy does not cover flood damage. Thousands of American families are financially devastated every year.
We highly recommend you buy flood insurance if you live in, or perhaps near, a 100-year floodplain OR have reason to think you may be flooded!
Note: The “100-year floodplain” is only a general insurance industry guideline for flood risk areas. Approximately 30 percent of all flood claims come from outside of this area.