Flood damage is not covered by homeowner's insurance policies. You can protect your home, business, and belongings with flood insurance. Contents coverage is separate. It is not automatically included with building coverage. Ask your agent.
Renters can insure their belongings, too.
Flood insurance pays even when no disaster is declared. Statistically, federal disaster declarations are issued in less than 50 percent of flooding incidents. An NFIP policy will pay for flood damage whether or not there is a federal disaster declaration. Flood insurance is affordable. There is a 30-day waiting period before a flood insurance policy becomes effective.