Spring weather patterns could increase your risk of flooding. Flood insurance will help you protect your property against spring flooding risks, such as heavy rains, rapid snowmelt, and flash flooding. Get the facts, know the risks, and take action to prepare before seasonal events strike. Flood damage is excluded under standard homeowners, renters insurance policies. or in most commercial property insurance policies. Flood coverage, however, is available in a separate policy from the National Flood Insurance Program (NFIP). Click the title for information on flood insurance.