Q: Does homeowner's insurance cover flooding?
A: Homeowner's insurance doesn't cover flooding. Flood insurance is a special type of insurance that you can purchase either through the National Flood Insurance Program (NFIP) run by the Federal Emergency Management Agency (FEMA), or a select number of private insurers. Either way, a specialized flood policy is required in high-risk areas and might be a good idea even if you don't live in a federally-designated area of risk.
If you aren't sure whether you're required to purchase flood insurance or if purchasing flood insurance is beneficial regardless of that requirement, your independent insurance agent can help.