Homeowners and renters insurance policies do not cover flood damage, however. Most people who have flood insurance get it through the federal government, via FEMA's National Flood Insurance Program, experts said. On average, about 30% of U.S. homes in the highest-risk areas for flooding have flood insurance, according to the University of Pennsylvania's Wharton Risk Center. Private insurers also offer flood policies and may offer higher coverage than FEMA's policies, according to the Insurance Information Institute. What basement items are covered by flood insurance?

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