No. Standard California homeowners policies exclude flood damage, so you need a separate flood policy through the National Flood Insurance Program (NFIP) or a private flood insurer.
Flood includes rising water from rivers and creeks, levee failures, and heavy rain that overwhelms storm drains and enters from the ground up. Water that comes in through a roof damaged during a storm may be covered by homeowners insurance. Water that rises into the home is not.
The 2023 atmospheric river storms brought flooding, mudslides, and slope failures across South Orange County, often to homes outside high-risk flood zones.
Questions about your own policy? Elye Insurance in Mission Viejo helps homeowners and drivers across California and beyond compare options from multiple carriers.
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