Does your homeowner’s insurance include coverage of damage as a result of flood? Chances are it doesn’t because most home insurance policies don’t cover damages as a result of flood or earthquakes (or themonuclear war, but if that happens the last thing you need to worry about is your home). What should you do?
Unfortunately there’s only one thing you can do, get independent flood insurance. You’ll probably want to go to FloodSmart.gov, the official site of the National Flood Insurance Program. From there, you’ll want to fill out the flood risk profile to the left and use it to help you find an agent.
Good news is that the NFIP can help, the bad news you’ll need to pay for more insurance.