Direct answer
No, standard homeowners insurance policies explicitly exclude damage caused by external flooding, such as rising groundwater, storm surges, or overflowing bodies of water. You must purchase a separate flood insurance policy through the National Flood Insurance Program or a private insurer to obtain coverage for these events.
National Flood Insurance Program (NFIP) guidelines and standard homeowners policy declarations clarify the exclusion of water damage from external flood sources. For additional information about flood coverage exclusions, see the Federal Emergency Management Agency (FEMA)‘s guidance on why standard homeowners insurance does not cover flood damage.
What this means for you
No, standard homeowners insurance policies explicitly exclude damage caused by external flooding, such as rising groundwater, storm surges, or overflowing bodies of water. You must purchase a separate flood insurance policy through the National Flood Insurance Program or a private insurer to obtain coverage for these events.
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This page is informational and not a coverage guarantee or quote.
