Although standard homeowners policies will not cover damage from rising water, such as from storm surge, they will cover water damage from rain driven by winds through damaged roofs or blown-out windows. Insurers' vulnerability to future losses because of windstorm coverage was a major factor in cut-backs in writing new policies. If the front door of your home now stands at 4 feet above sea level, the government could require that your rebuilt house be twice as high or higher. Insurers have argued that they shouldn't have to pay for raising the first floor of a structure unless specifically provided for in a policy. Ask about this.
Special endorsements are available to cover elevation costs.
Comprehensive auto and boat coverages should protect your car or boat from any damage caused by a hurricane, including flood damage. Ask you agent to make sure you are adequately covered. Raising the deductible may save you money. Keep all receipts for all valuables. Make a complete written inventory that lists everything down to the number of pairs of socks you own.