Direct answer
No, standard homeowners insurance policies exclude damage caused by rising water from external sources like overflowing rivers, storm surges, or flash floods; you would need a separate policy from the National Flood Insurance Program (NFIP) or a private insurer for that coverage.
National Flood Insurance Program (NFIP) coverage guidelines and standard policy exclusion definitions. For additional information about flood insurance policy exclusions, see the Federal Emergency Management Agency‘s official resource center.
What this means for you
No, standard homeowners insurance policies exclude damage caused by rising water from external sources like overflowing rivers, storm surges, or flash floods; you would need a separate policy from the National Flood Insurance Program (NFIP) or a private insurer for that coverage.
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