Coverage for flood damage largely depends on the source of the water and the specifics of your insurance policy. If the flood originates from outside the property, such as from overflowing rivers or heavy rainfall, typical homeowners' insurance policies do not offer coverage. These scenarios require a separate policy that specifically covers flood damage, typically available through the National Flood Insurance Program (NFIP). Conversely, if the source of the flooding is inside the house, like a burst pipe, your homeowners' insurance might cover the costs, contingent upon the cause of the burst. Negligence on the part of the property owner is generally not covered, but if the incident occurred due to uncontrollable factors, your insurance is likely to provide coverage. For more detailed information, visit [FEMA's Flood Insurance Guide](https://www.fema.gov/flood-insurance).

Floods can originate from various sources, both inside and outside a property. Common causes include:

• Heavy Rainfall: This is particularly impactful in urban areas with impermeable surfaces where the ground cannot absorb all the water.
• Melting Snow and Ice: Rapid melting during spring or warm periods can cause excessive runoff, leading to overflowing bodies of water.
• Overflowing Rivers: Excessive rain or snowmelt can cause rivers to overflow their banks, leading to flooding.
• Internal Property Issues: Problems such as burst pipes, malfunctioning appliances, clogged drainage systems, or sump pump failures can result in localized flooding.
• Storm Surges and Tsunamis: Coastal areas may face flooding due to storm surges during severe weather or tsunamis following underwater disturbances.
• Dam and Levee Failures: These can cause sudden catastrophic flooding with little warning.
• Urban Drainage Basins: Flash flooding can occur in urban areas due to inadequate drainage during heavy rainstorms.
• Blocked Drainage Channels: Debris or sediment blockages can lead to localized flooding.
• Landslides and Debris Flows: These can disrupt the natural flow of rivers and streams, causing flooding.