Generally, no. Standard homeowners policies exclude flood. A separate flood policy is required to protect against rising water from outside your home.

Waiting periods vary. NFIP typically has around a 30-day waiting period (with some exceptions). Many private flood carriers offer shorter waits, subject to underwriting and eligibility.

Often yes, especially at renewal, subject to lender requirements and underwriting. We can help you compare both options so you understand pricing, coverage limits, and any special conditions.