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 1997 New Year’s floods on the Tuolumne River and the 2023 atmospheric river storms flooded homes across the Central Valley, many of them outside high-risk flood zones.
Questions about your own policy? Elye Insurance in Mission Viejo helps homeowners and drivers across California and Nevada compare options from multiple carriers.
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Flood insurance covers direct physical damage caused by flooding to your home's structure and, if you buy it, your personal belongings. NFIP policies cover up to $250,000 for the building ...
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