Direct answer
No, standard homeowners insurance policies explicitly exclude damage caused by external flooding from natural bodies of water or surface water runoff. You would need a separate policy from the National Flood Insurance Program (NFIP) or a private flood insurer to be covered for these events.
Standard property insurance policy exclusions regarding water damage from external sources and flood plains. For additional information about flood insurance coverage and policy exclusions, see the FEMA FloodSmart website.
What this means for you
No, standard homeowners insurance policies explicitly exclude damage caused by external flooding from natural bodies of water or surface water runoff. You would need a separate policy from the National Flood Insurance Program (NFIP) or a private flood insurer to be covered for these events.
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