Is flood damage covered by homeowners’ insurance, or do you need a separate flood policy? The answer isn’t always clear.

In this episode of The Risk Rundown, Julie and Tyler tackle one of the most frequently asked insurance questions: flood vs. water damage. They explain how insurance policies define each type of loss, why nearly 40% of flood claims occur outside high-risk flood zones, and how events like hurricanes, wildfires, and heavy rainfall can lead to unexpected flooding — even far from the coast.

You’ll learn:

• The difference between flood damage and water damage

• Why being outside a flood zone doesn’t mean you’re risk-free

• Common causes of water losses inside the home

• How private flood insurance differs from NFIP coverage

• Practical steps homeowners can take to reduce water-related losses