Is Flood Insurance Included In Homeowners Insurance? 
The answer to this question is a resounding `` no '' . Damage caused by flood is always excluded from a standard Homeowners ' Insurance policy . There may be ways to endorse coverage for water damage caused by a failed drainage system , but this is not flood insurance . Flood Insurance protection can only be obtained by the purchase of a separate Flood Insurance policy through a program managed by FEMA and more than likely available through your Insurance Professional . 