Flood damage isn't covered by a homeowners policy — it's a separate policy, and if you have a mortgage in a high-risk flood zone, your lender may require it. Tell us about the property once: your answers go into the federal flood application (ACORD 301) and let us check private flood markets too. We come back with real numbers from whichever option actually quotes. No obligation, and no coverage is bound by this form. Takes about 5 minutes.