From USA.gov: Flooding: Most Homeowners Policies Do Not Cover You

Cover Yourself Against Floods

Floods are our country’s #1 natural disaster. They occur in all 50 states, at all times of year, and plenty of damage occurs outside of high-risk areas.

If your home is flooded, your homeowners insurance policy probably won’t pay for repairs. Most policies don’t cover floods. The National Flood Insurance Program, administered by the Federal Emergency Management Agency (FEMA), works closely with more than  80 private insurance companies to offer flood insurance to homeowners, renters, and business owners.

Learn more with the booklet FloodSmart, Know Your Risk. You can also visit www.FloodSmart.gov , or call 1-888-379-9531.

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