Homeowners InsuranceHomebuying Glossary
Flood Insurance
A separate policy covering flood damage, which standard homeowners insurance does not include.
In plain English
Standard homeowners policies exclude flood damage entirely — flood insurance is a separate policy, often through the National Flood Insurance Program, required if your home sits in a designated flood zone.
Why it matters
Even homes outside official flood zones can flood — it's worth understanding your property's flood risk regardless of whether a lender requires the coverage.
Where you'll run into it
Guides and tools on TheBuyingPath that cover flood insurance in context.
Related terms
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