# Does Homeowners Insurance Cover Floods? | Who Pays the Repair?

> No. Flood damage is not part of standard homeowners coverage. Homeowners and renters need a separate flood policy.

**Who pays:** depends

Standard homeowners insurance does not cover flood damage. You need a separate flood policy, through the National Flood Insurance Program or a private insurer, and renters can buy one too.

**Boundary:** Flood insurance is not part of standard homeowners coverage; it is a separate policy available to homeowners and renters, including through the National Flood Insurance Program.

## Sources
- [Do I need flood insurance for my home?](https://www.iii.org/article/do-i-need-flood-insurance-for-my-home) — "Flood insurance is available for renters and homeowners, but, like earthquake insurance, it is not part of standard homeowners coverage." (accessed 2026-09-30)
- [FloodSmart: Get Flood Insurance](https://www.floodsmart.gov/) — "Most homeowners insurance does not cover flood damage. The National Flood Insurance Program (NFIP) can help you find an insurance provider." (accessed 2026-09-30)

_Last verified 2026-09-30. Source: Who Pays the Repair? — https://whopaystherepair.com/rules/does-homeowners-insurance-cover-flood-damage/ — every claim checked against a primary source before publication (see /methodology/)._