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What Does Flood Damage Insurance Typically Not Cover?

Last updated October 26, 2026

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The short answer

Common Exclusions in Flood Policies

Standard flood insurance, like that from the National Flood Insurance Program, usually covers structural damage and some belongings. But it often excludes damage from sewer or drain backups unless the backup is directly caused by the flood itself. That distinction matters because a backup from a clogged pipe is typically not covered.

Mold and mildew damage is another common exclusion, especially if the mold resulted from a slow leak or was present before the flood. If mold appears after a flood, coverage may be limited to a small amount for cleanup, but only if the mold is a direct result of the flood. You should document everything and talk to your insurer early.

  • Sewer backup not caused by the flood
  • Mold from pre-existing moisture
  • Damage to decks, fences, and patios
  • Temporary housing or living expenses
  • Valuables like artwork, jewelry, or furs
  • Basement improvements like finished walls or floors

What About Basement Flooding?

Basement flooding is a tricky area in flood insurance. Many policies limit coverage for items in a finished basement, like drywall, carpet, and built-in furniture. Even if you have flood insurance, the payout for basement contents is often capped at a low amount compared to the rest of your home.

If you live in Tulsa, check your policy to see what basement items are covered. Some policies exclude certain types of basement finishes entirely. It is wise to keep an inventory of your basement belongings and their condition before any flood event.

Sewer Backup and Overflow

Sewer backup is a frequent surprise for homeowners. Flood insurance usually does not cover damage from water that backs up through drains unless the backup is a direct result of the flood. If a city sewer overflows due to heavy rain, that might be considered flood-related, but a clogged pipe is not.

To protect yourself, consider adding a sewer backup rider to your home insurance policy. That is separate from flood insurance. Also, keep your shutoff valve location written down so you can act quickly during a storm.

Outdoor Structures and Landscaping

Flood damage insurance typically does not cover outdoor structures like detached garages, sheds, or fences. Landscaping, including trees, shrubs, and lawns, is also excluded. If a flood washes away your garden or damages your fence, you may have to pay for repairs out of pocket.

Some policies offer limited coverage for detached structures, but it is often a small percentage of the main dwelling coverage. Review your policy to see what is included. If you have valuable outdoor items, consider separate coverage or adjust your policy.

Personal Belongings and Valuables

Flood insurance covers some personal belongings, but there are limits. Items like clothing, furniture, and electronics are usually covered up to a certain amount. However, high-value items like jewelry, artwork, and furs are often excluded or have very low coverage limits.

If you own expensive items, you may need separate riders or scheduled coverage. Keep receipts and photos of your valuables in a safe place. This documentation helps when you file a claim.

  • Jewelry and watches
  • Artwork and antiques
  • Furs and expensive clothing
  • Rare coins or stamp collections
  • Important documents and cash

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Frequently asked questions

Does flood insurance cover damage from a burst pipe?

No, flood insurance covers flooding from natural events like heavy rain or overflowing rivers. A burst pipe is considered a plumbing issue, which is typically covered by standard homeowners insurance, not flood insurance. Check your policy to confirm.

Can I buy flood insurance after a flood starts?

Usually not. There is typically a 30-day waiting period before a new flood insurance policy takes effect. That means you cannot purchase coverage once a flood is imminent or already happening. Plan ahead and buy flood insurance before the rainy season.

What should I do if my claim is denied?

First, review your policy and the denial letter to understand the reason. You can appeal the decision by providing additional documentation, such as photos or repair estimates. If you need help, consider contacting your insurance agent or a local water damage pro for guidance on documenting the damage.

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