The short answer
Flood — surface water rising from outside — is excluded on all US HO policies. The National Flood Insurance Program covers $250K building and $100K contents; private carriers offer higher limits. A 30-day waiting period applies unless the policy is required at closing.
Frequently asked
- Do I need flood if I'm not in a flood zone?
- 25% of NFIP claims come from outside high-risk zones. Preferred Risk policies start around $500/year.
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