Why Doesn't Homeowners Insurance Cover Flooding? 
The most common type of homeowners policy is called , all-risk . Within the policy , however , there are significant exclusions , flood and earthquake being the most important . 25 % of the losses in the US are flood related . The flood risk is so great a federal program was established to assist writing this coverage . A broker or agent should be able to give you a quote . Prices vary greatly depending upon the risk . Some homes are more vulnerable than others . 