California went from drought to non-stop rain. Suddenly, more people are aware that their Homeowners Insurance does not cover floods. Flood insurance must be purchased separately. All flood insurance for homes is offered in conjunction with the U.S. Federal government, or the National Flood Insurance Program (NFIP). For a list of insurance companies that offer coverage, go to FEMA’s company list. If you’d like more coverage than is offered through the NFIP programs, FloodSmart is a good place to begin looking.