Direct answer
No, standard homeowners insurance policies almost universally exclude coverage for water damage caused by external flooding, which requires a separate policy through the National Flood Insurance Program or a private insurer.
Federal regulatory guidelines regarding standard homeowner insurance exclusions. For additional information about policy exclusions and the National Flood Insurance Program, see the Federal Emergency Management Agency (FEMA)‘s official flood guidance.
What this means for you
No, standard homeowners insurance policies almost universally exclude coverage for water damage caused by external flooding, which requires a separate policy through the National Flood Insurance Program or a private insurer.
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