Short answer: **Standard homeowners insurance does not cover flood**. That surprises many people after heavy rain or a river rise. Here’s what counts as a flood—and how to protect your home in Owensboro.
What is a “flood”?
Flood is generally **rising water covering two or more acres or affecting two or more properties**. That’s different from a burst pipe or a roof leak (typically covered under different parts of a homeowners policy, subject to terms).
How to get flood coverage
You can buy **NFIP** policies or **private flood**. NFIP has standardized limits and a 30‑day waiting period (with exceptions). Private policies can offer different limits, waiting periods, and extra features. We’ll price both.
Basement & sump pump surprises
Water backup from sewers/drains or sump overflow is **not** flood. It needs an optional **water backup** endorsement. Limits vary—ask us to match coverage to your finished basement or systems.
Elevation, maps, and real‑world risk
FEMA maps are a starting point, not a crystal ball. Local drainage, creeks, and construction can change risk. We’ll combine maps + recent claims trends + your property details to size coverage smartly.
Owensboro next steps
Price NFIP and private flood, review water backup, and discuss mitigation like downspout extensions and grading. Start here: https://www.eliteriskagent.com/insurance-services/personal-insurance/homeowners-insurance/
Bottom line:** Homeowners excludes flood. A small tweak now can prevent a very big bill later.
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