Flood insurance is a type of property insurance that covers a dwelling for losses sustained by water damage specifically due to flooding caused by heavy or prolonged rain, melting snow, coastal storm surges, blocked storm drainage systems, or levee dam failure. In many places, a flood is considered a major event, and the damage or destruction it causes are uncovered if you do not get supplemental insurance.
Private flood insurance covers your home and belongings from damage caused by outside flooding. But what makes it different from FEMA flood insurance is that policies aren't backed by the federal government. The insurance company is responsible for managing its own risk and paying out claims
FEMA flood insurance covers your home and belongings from damage caused by outside flooding. FEMA flood insurance policies are backed by the federal government.
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