Does Home Insurance Cover Flood Damage? 
Generally speaking NO ... virtually all carriers who use any part of an ISO homeowners insurance contract will exclude flood . Flood insurance is underwritten and priced by the government through FEMA . There are several carriers who write flood insurance and there should n't be any real variance to the pricing between the carriers . Even if you do n't think your home or business would ever flood , check out the cost of flood insurance . You might be surprised how cheap it actually is ... I know what I 'm talking about on this topic . My office had 7 feet of water in it after back to back 100 years storms hit my area back in 2010 . I did n't have flood insurance -LRB- dumb agent I know -RRB- and had to come out of pocket to rebuild my unit . I have flood insurance now ... costs me about $ 350 a year !! 