Keep me logged in until I sign out. Consumers are often confused about what their homeowners' policy covers and what it doesn't. Homeowner's policies absolutely exclude damage from flooding, except for a narrow range of cases such as a pipe or water tank bursting.
Any insurance agent can sell flood policies.
Cost depends on what measures your community has taken to reduce the risk of flood damage. The state of California requires insurance carriers to offer earthquake coverage to anyone in the state who carries one of their homeowners' policies. Usually it's an endorsement to the regular policy, expanding the coverage for a fee. But if a California policyholder decides not to buy or renew the endorsement, the carrier isn't obligated to give him or her a second chance. Of course, given the risk, earthquake endorsements in that part of the country don't come cheap.