Is flood damage covered by my homeowners insurance?

Flood damage is excluded in nearly all homeowners and renters insurance policies but, if desired, can be purchased as a separate policy.

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1. Why should I consider buying flood insurance?
2. Is flood damage covered by my homeowners insurance?
3. Where do I get flood insurance?
4. Is there a waiting period before my flood insurance policy becomes effective?
5. Do I need to live in a floodplain to get flood insurance?
6. Is water back up in basements covered by a flood insurance policy?
7. Can I get coverage for water back up in basements?