'Does my home insurance policy include flood coverage?' This was a common question when I was selling insurance. At least for the company I worked for, the answer is yes and no - and is very possibly the same for yours, too. I generally knew what the real question was - which is whether there was coverage against general water damage. This was mostly yes, with some notable exceptions. One of those big exceptions to this involved actual flood coverage (as in the river is overflowing into my basement), which was NOT covered. Unfortunately at the time it was very difficult to find this sort of insurance from anyone. The reason is simply that the only people who would want it generally have their home in a floodplain or by a river that may be at real risk of flowing over its banks. The result is that people who would buy the coverage are almost guaranteed to have a big flood claim at least once in their life. The number of claims on such a coverage would likely end up being more than the premium collected to pay for it - unless it was very expensive.
Now damage due to an actual flood can be catastrophic, because it can damage the home, destroy the contents, force the occupants out at least temporarily, and in the longer term can create a severe risk of a big mold problem. It's an important coverage to have if you are at risk of flooding. It's also dangerous to simply assume it's in your policy, or think that 'water damage' is the same as 'flood damage' - because in the insurance world it's not. If you need to be sure, call your insurance company to ask.