Direct answer
No, standard homeowners insurance policies typically exclude damage caused by flooding, such as rising water or storm surges.
National Association of Insurance Commissioners (NAIC) guidance on standard perils exclusions. For additional information about flood insurance coverage and standard exclusions, see the Federal Emergency Management Agency (FEMA)‘s guidance on flood risks.
What this means for you
No, standard homeowners insurance policies typically exclude damage caused by flooding, such as rising water or storm surges.
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