Direct answer
No, standard homeowners insurance policies generally exclude damage caused by rising surface water or floods, which typically requires a separate policy through the National Flood Insurance Program or a private flood insurer.
Federal Emergency Management Agency (FEMA) guidelines on homeowners and flood insurance policy exclusions. For additional information about policy exclusions and coverage requirements, see the Federal Emergency Management Agency‘s official flood insurance guidance.
What this means for you
No, standard homeowners insurance policies generally exclude damage caused by rising surface water or floods, which typically requires a separate policy through the National Flood Insurance Program or a private flood insurer.
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