Direct answer
No, standard homeowners insurance policies typically exclude damage caused by external flooding; you would need a separate flood insurance policy to cover rising water from natural sources.
National Flood Insurance Program and standard property insurance exclusions for surface water. For additional information about flood insurance policies and coverage exclusions, see the FEMA website.
What this means for you
No, standard homeowners insurance policies typically exclude damage caused by external flooding; you would need a separate flood insurance policy to cover rising water from natural sources.
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