Standard homeowners insurance does not cover flood damage. In the DC metro, flood risk varies by neighborhood — properties near the Potomac, Anacostia, Rock Creek, and Patuxent watersheds have meaningful exposure, and FEMA flood zones change over time. Even outside designated high-risk zones, roughly 25% of NFIP flood claims come from low- or moderate-risk areas, often from heavy rain events. We can pull your property’s flood-zone designation and quote both NFIP (federal) and private-market flood policies — private flood often offers lower premiums and higher limits than NFIP for many DC-metro homes.