Is coverage for flood losses automatically included in most property policies (homeowners or commercial property)?
No, most property policies do not cover flood losses. You must purchase this coverage separately. Coverage is available through the National Flood Insurance Program (NFIP). Ask your agent or carrier for more information or you may call the NFIP at 800-427-4661 or 888-379-9531. The website is www.floodsmart.gov.