Does My Renters Insurance Cover Flood Damage? 
The short answer is no . Flood is a common exclusion in property coverage of all kinds , whether renters , condo unit owners of Homeowners . It is also excluded from commercial property forms . The only way to have coverage from flooding is to purchase a Flood Insurance Policy . This is a federal program managed by FEMA . The amoount you may pay for such coverage is based upon the location of your property as to what particular flood zone it may be situated . 