Direct answer
No, standard homeowners insurance policies explicitly exclude coverage for damage caused by rising surface water or flooding from external sources. You must purchase a separate flood insurance policy, typically through the National Flood Insurance Program or a private insurer, to be covered for these events.
Federal Emergency Management Agency (FEMA) guidelines on flood insurance exclusions and standard policy declarations. For additional information about flood insurance exclusions, see the FEMA Flood Insurance Manual.
What this means for you
No, standard homeowners insurance policies explicitly exclude coverage for damage caused by rising surface water or flooding from external sources. You must purchase a separate flood insurance policy, typically through the National Flood Insurance Program or a private insurer, to be covered for these events.
FARMER STOCKMAN
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This page is informational and not a coverage guarantee or quote.
