No, standard homeowners insurance policies explicitly exclude all flood damage. This is true regardless of your coverage level, deductible, or insurer. If water from rain, rivers, storm surge, or snowmelt enters your home from outside, your homeowners policy will not pay for repairs or replacements. The only exception is water damage from internal sources like burst pipes, which is typically covered under homeowners insurance.
This coverage gap catches thousands of homeowners off guard every year, especially during hurricane season and heavy rainstorms. To protect your property, you need a separate flood insurance policy through either the National Flood Insurance Program (NFIP) or a private flood insurer. Request a free quote from Bridgeway Insurance to explore your flood coverage options.
