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According to the National Flood Insurance Program's (NFIP), most homeowners insurance does not cover flood damage. Further, not all losses associated with basement flooding are covered by flood insurance.

Flood insurance will cover your home's foundation elements and what they call “building elements”, such as your furnace, hot water heater, and circuit breaker. Flood insurance won't cover your washer/dryer, freezers, and so on unless you make the additional coverage option of “contents coverage”. The NFIP suggests that homeowners purchase both. You can contact the NFIP to see just how much you can pay in flood insurance premiums.

The FEMA National Flood Insurance Guide lists keeping gutters maintained and debris free as the leading option to reduce the risk of potential flood damage to your home

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