Direct answer
No, standard homeowners insurance policies typically exclude flood damage, which requires a separate flood insurance policy through the NFIP or a private insurer.
Standard homeowners insurance policy language definitions and exclusions sections provided by major insurance carriers. For additional information about flood coverage limitations, see the FEMA FloodSmart guide.
What this means for you
No, standard homeowners insurance policies typically exclude flood damage, which requires a separate flood insurance policy through the NFIP or a private insurer.
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