Does a standard homeowners policy cover flood damage?

No, standard homeowners policy excludes flood coverage.

No, standard homeowners policy excludes flood coverage. NNINS does offer Inland Flood Coverage for homeowners and renters who are not be in a high-risk flood zone and required to buy flood insurance, but who could experience flash floods or other unexpected sudden flooding. Learn more about the difference between flood insurance and Inland Flood Coverage(opens in a new window). Standard Home Insurance can pay for water damage to your home from a hurricane if it results from sudden damage such as a tree falling on your house.