Direct answer
No, standard homeowners insurance policies almost universally exclude damage caused by external flooding from heavy rain, surface water, or rising bodies of water, which requires a separate flood insurance policy.
National Flood Insurance Program (NFIP) guidelines and standard industry property exclusion clauses. For additional information about policy coverage, see the Federal Emergency Management Agency (FEMA)‘s official guide to flood insurance.
What this means for you
No, standard homeowners insurance policies almost universally exclude damage caused by external flooding from heavy rain, surface water, or rising bodies of water, which requires a separate flood insurance policy.
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