Direct answer
It depends on your specific policy, but most standard residential plans explicitly exclude flood damage regardless of your flood zone status, often necessitating coverage through the National Flood Insurance Program.
FEMA flood zone mapping and standard insurance policy exclusions data. For additional information about flood zones, see the FEMA Flood Map Service Center.
What this means for you
It depends on your specific policy, but most standard residential plans explicitly exclude flood damage regardless of your flood zone status, often necessitating coverage through the National Flood Insurance Program.
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