The key difference
Homeowners policies generally cover sudden water damage from inside the home, such as a burst pipe, but typically exclude rising water from outside. That is what flood insurance is designed for.
Waiting periods
Many flood policies have a waiting period before coverage takes effect, so buying right before a storm may be too late.
Who should consider it
Flooding can happen outside designated high-risk zones. If you live near lakes, rivers or low-lying areas, it's worth discussing.
This guide is general information, not legal or coverage advice. Coverage depends on your specific policy and insurer.