SESKStuff Everyone Should Know
SESK: Stuff Everyone Should Know · sesk.info/home-no-flood

Does standard homeowner's insurance cover flood damage?

No. Flood damage needs a separate flood policy.

Start playing free

  1. No, you need a separate flood policy ✔
  2. Yes, up to the dwelling limit
  3. Only if the flood comes from rain

Why: Most homeowner's policies exclude flood damage, and so do most renters and business policies. Flood coverage comes from a separate policy, such as one from the National Flood Insurance Program.

Huh, didn't know that: NFIP policy rates don't vary by insurance provider.

The dad joke
What did the fish say when he swam into a wall? Dam.
Like this card?
Play the game

References

Answer: No, you need a separate flood policy. Most homeowner's policies exclude flood damage, and so do most renters and business policies. Flood coverage comes from a separate policy, such as one from the National Flood Insurance Program.

  1. FEMA FloodSmart: Buying flood insurance www.floodsmart.gov/get-insured/buy-a-policy
    Most homeowners and renters insurance does not cover flood damage.
    Checked 2026-10-10.

Think this answer is wrong? Tap "Challenge this answer" on the card in the game and tell us why.

Test yourself in the game

Home & YardWhen does a new NFIP flood insurance policy usually take effect?Home & YardAbout what share of NFIP flood claims come from outside high-risk flood areas?Home & YardHow much building coverage can a standard NFIP homeowner flood policy provide?

That's stuff everyone should know.