Flooding is no longer something that happens "somewhere else." 

From rural Nebraska to major cities across the U.S., homes and businesses are being hit hard by flash floods, rising groundwater, and heavy rainfall — and unfortunately, most homeowners don’t realize they aren’t covered until it’s too late. 

So let's answer the question directly: 

Does homeowners insurance cover flooding? 

No — not unless you have separate flood insurance. 

And that gap in coverage could be the difference between a frustrating inconvenience… and a full-blown financial disaster. 

What Homeowners Insurance Actually Covers 

Homeowners insurance typically includes coverage for things like: 

• Fire or smoke damage 

• Wind and hail 

• Theft or vandalism 

• Burst pipes or appliance malfunctions 

But here’s what it doesn’t cover: 

❌ Flooding caused by heavy rain or rising groundwater 

❌ Storm surge from hurricanes or tropical storms 

❌ Sewer backups due to natural flooding 

❌ Damage to your home office or business property beyond small limits 

Most people don’t find this out until after a claim is denied. 

 So What Is Flood Insurance — and Who Needs It? 

Flood insurance is not included in your homeowners policy. It must be purchased separately — either through the National Flood Insurance Program (NFIP) or a private flood insurance provider. 

Here’s what you need to know: 

• You don’t have to live in a flood zone to experience flood damage 

• Over 25% of all flood claims come from properties outside high-risk areas 

• Flood insurance typically has a 30-day waiting period — so you can’t buy it right before a storm hits 

• Coverage limits may apply, especially to basements or personal property 

Want to check your home’s flood risk? Try FEMA.gov 

Business Owner? You Might Be More Exposed Than You Think 

If you're a coach, creator, consultant, or entrepreneur who works from home, your homeowners policy may not fully protect your business property or income. 

Homeowners policies usually limit coverage for: 

• Business equipment (laptops, cameras, monitors, etc.) 

• Client files, inventory, or samples 

• Business interruption due to property damage 

You may need a business property endorsement, separate commercial coverage, or additional riders depending on your business setup. 

Financial & Emotional Preparation Matters Too 

Insurance is a key part of financial protection — but it’s not the whole story. 

Here’s how to prepare both practically and emotionally: 

Financial Prep: 

• Build a 3–6 month emergency fund (6–12 for business owners) 

• Keep digital and physical copies of your insurance policies, IDs, estate docs, and account logins 

• Store key documents in a fireproof/waterproof safe or cloud-based vault 

• Photograph your home and belongings for claim documentation 

Behavioral Prep: 

• Talk with your spouse or team before a storm hits — not in the middle of one 

• Avoid emotional underinsurance (“It won’t happen to me” mindset) 

• Understand what your policies cover — and what they don’t 

• Make a clear evacuation and communication plan if you have dependents or employees 

Take Control Before the Storm Hits 

At Fit Wealth Advisors, we help business owners and pre-retirees align their financial strategy with real life — including the unexpected. 

If you’re unsure whether your current insurance strategy, emergency savings, or risk protection plan would hold up in a disaster… let’s fix that now. 

Book a free Risk Readiness Call 

We’ll help you identify the gaps you might not see — and give you practical steps to protect your home, your business, and your long-term wealth. 

👉 Schedule Your Call Here 

🔗 Resources: 

• Flood Factor Risk Tool 

• FEMA Flood Insurance Overview 

• Podcast Episode: Does Homeowners Insurance Cover Flooding? 

👋 Final Thoughts 

You don’t need to live in a high-risk zone to take flood risk seriously. 

The financial and emotional cost of being underprepared far outweighs the cost of reviewing your policies or building a better emergency strategy. 

You built your wealth intentionally — let’s protect it the same way. 

The Fit Wealth Show is brought to you by Plan Group Financial, Inc. (PGF) d/b/a Fit Wealth Advisors. PGF d/b/a Fit Wealth Advisors is an investment adviser registered under the Investment Advisers Act of 1940. Registration as an investment adviser does not imply any level of skill or training. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Past performance is not indicative of future results.