Flood Insurance
Insurance Glossary
A separate policy covering damage from rising water, which standard homeowners and renters policies exclude everywhere. It responds to overflowing rivers, storm surge, heavy rainfall and similar surface water events, while interior plumbing leaks and sewer backup are handled by other coverages. Policies are available through the federal National Flood Insurance Program and from private insurers, and most carry a waiting period before coverage takes effect.
This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.
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