Does Homeowners Insurance Cover Flood Damage?

One of the most common homeowners insurance questions is whether flood damage is covered under a standard policy. In most cases, the answer is no. That surprises many property owners, especially after a major weather event.

If you own a home in Texas, it is important to understand this difference before a claim happens. You can also learn more about dedicated flood insurance and how it fits alongside your homeowners coverage.

Why flood damage is treated differently

Standard homeowners insurance is designed to cover many types of sudden and accidental damage, but flooding from rising water is generally excluded. That means water entering from outside the home due to flooding is usually not covered under the standard homeowners form.

What homeowners insurance may cover instead

Homeowners insurance may still cover certain water-related losses depending on the cause, but that does not mean it covers flooding. This is why it is important to review your homeowners insurance carefully rather than assuming all water damage is treated the same.

Who should consider flood insurance?

Flood exposure is not limited to high-risk mapped areas. Many property owners outside of traditional flood zones still choose to review their options. If you are unsure where to start, read do I need flood insurance in Texas if I am not in a flood zone?

Final Thoughts

If you are relying only on your homeowners policy, there is a good chance you do not have flood protection. That is why it helps to review both policies together.

Learn more on our flood insurance page or request a quote.