Homeowners policies specifically exclude reimbursement for damage caused by flood. Your home may be a significant distance from a major body of water but still is exposed to flood risk if your home was built in a flood plain. The National Flood Insurance Program has a flood risk indicator on their website. All you have to do is enter your property address and you will get an indication of the degree of flood risk you face. Our agency can get flood coverage for you. For an indication of the cost, the National Flood Insurance Site also has a 'quick quote' table of premiums to give you an idea.
Information provided by www.iii.org