Is Flood Insurance Included In Homeowners Insurance? 
Flood insurance or coverage for a flood is not included in a homeowners insurance policy and is in fact specifically excluded . There is only one option for flood protection and that is to purchase a flood policy . Almost all insurance companies can write you a flood policy but the policy is underwritten though FEMA . Which ever insurance company you currently work with on your homeowners insurance should be able to set you up with a flood policy . Unless there is a close of escrow you have a 30 day wait before a flood policy can become active so no waiting until the storm hits to purchase a flood policy . Flood is not to be mixed up with water damage which is covered under a homeowners policy . An example of water damage would be a pipe that burst in the home . 