It’s Not. Here’s What You Need to Know

Many homeowners assume that a standard homeowners insurance policy will protect them from just about anything—including floods. But here’s the truth:

Flood damage is NOT covered by most standard homeowners insurance policies.

This misunderstanding can lead to costly surprises when heavy rains, storms, or overflowing water sources cause damage to your property.

🌧️ Flooding Can Happen Anywhere

It’s easy to think you’re safe if you don’t live near a river or the coast—but flooding is one of the most common and expensive natural disasters in the U.S.

In fact, over 25% of flood claims come from homes located outside high-risk flood zones.
That means you don’t need to be in a designated floodplain to be at risk—and even a few inches of water can cause thousands of dollars in damage.

🛡️ What Flood Insurance Covers

A separate flood insurance policy can help protect your:

Home’s structure (walls, flooring, foundation, etc.)
Electrical and plumbing systems
Heating and cooling equipment
Appliances, furniture, and other personal belongings
Cleanup and repair expenses

Flood insurance gives you peace of mind that your home and belongings are protected—even when the unexpected hits.

✅ Don’t Assume—Check Your Coverage

If you’re not sure whether you’re protected against flooding, it’s time to review your current policy. Most people only realize they’re not covered after it’s too late.

Let our team at RISE Insurance walk you through your coverage options and help you decide if flood insurance makes sense for you.

We’re here to answer your questions and make sure your protection matches your needs.

📞 423-541-1111