Most NYC Homeowners Don’t Know This About Flood Insurance

Remember Hurricane Sandy? Thousands of NYC homeowners found out too late that their standard home insurance didn’t cover flood damage. Here’s the truth most people don’t realize: 🚫 Flooding from storm surge, heavy rain, or rising tides is not covered under a regular homeowners policy. ✅ You need separate flood insurance — available through FEMA or private carriers. And in coastal areas like New York, the risk is higher than most people think. One storm can cause: 💸 Tens of thousands in damage ⚡ Electrical system failures 🧱 Foundation damage 🏚 Basement destruction The worst part? Most families only learn this after the water’s already at their doorstep. 👉 Don’t wait for the next storm. Know what’s covered — and what’s not.