Direct answer
No, standard homeowners insurance policies typically exclude damage caused by flooding, such as overflowing rivers, storm surges, or heavy rainfall accumulation.
Standard property insurance industry form definitions and common exclusions. For additional information about policy exclusions, see the Federal Emergency Management Agency (FEMA)‘s flood insurance resources.
What this means for you
No, standard homeowners insurance policies typically exclude damage caused by flooding, such as overflowing rivers, storm surges, or heavy rainfall accumulation.
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