Direct answer
No, standard homeowners insurance policies typically exclude damage caused by rising water, storm surges, or surface water flooding. You generally need a separate policy, such as one through the National Flood Insurance Program (NFIP) or a private flood insurer, to obtain this coverage.
Standard homeowners insurance policy exclusion language as defined by the Insurance Services Office (ISO). For additional information about policy exclusions and coverage requirements, see the Federal Emergency Management Agency (FEMA)‘s official flood insurance resource.
What this means for you
No, standard homeowners insurance policies typically exclude damage caused by rising water, storm surges, or surface water flooding. You generally need a separate policy, such as one through the National Flood Insurance Program (NFIP) or a private flood insurer, to obtain this coverage.
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