Because future flooding in some areas will undoubtedly occur, a good defense is flood insurance. Homeowner’s insurance policies, in most cases, do not cover damage from floods. Flood insurance covers damage from all surface floods and can be purchased through your insurance agent. Renters can also buy policies to protect their personal property.
Don’t wait for the next flood to buy insurance protection. There is a 30-day waiting period before National Flood Insurance Program coverage takes effect.
For more information on flood insurance, see http://www.floodsmart.gov