Homeowners and commercial property policies do not pay for flood damages caused by rising waters. To protect yourself from losses caused by most flooding, you’ll need to purchase a separate flood insurance policy from the National Flood Insurance Program (NFIP).
NFIP is administered by the Federal Emergency Management Agency. Flood insurance policies have a 30-day waiting period after the purchase date before coverage takes effect, so if you do not have a policy, you should obtain one as soon as possible. For more information about flood insurance, call the NFIP at 1-888-FLOOD29 (356-6329) or visit their website.