Direct answer
No, standard homeowners insurance policies almost universally exclude damage caused by rising surface water, heavy rain, or flash floods; you would need a separate flood insurance policy for this coverage.
Federal Emergency Management Agency (FEMA) guidelines on the distinction between water damage and flood insurance. For additional information about the distinction between water damage and flood insurance, see the Federal Emergency Management Agency‘s official flood insurance guidance.
What this means for you
No, standard homeowners insurance policies almost universally exclude damage caused by rising surface water, heavy rain, or flash floods; you would need a separate flood insurance policy for this coverage.
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