Usual homeowners insurance does not cover flood damage, at all. It can cover damages from intense rain such as small issues with the outside of your home. However, if your home is filled with 3ft. of water, there is nothing that your standard home insurance will help with. Once water enters your home, it considered a flood issue by insurance companies.
In some areas, it is mandatory to have federal flood insurance. This would usually be if you are in a high flood zone risk area. However, many claims to insurance companies come from low risk areas due to the fact that weather is truly unpredictable and unavoidable. Policy rates will differ in the areas of high and low risk of flooding. This might make choosing flood insurance easier due to the face that it is based on flood map elevations, so your precautions might not cost you a lot in the long-run.
Looking for flood insurance in Florida? Stop by ZellnerInsurance.com to get a quick quote on flood insurance, today!