4. What isnâ€™t covered by flood insurance?
Flood insurance doesnâ€™t apply to all the losses you might incur from a hurricane, including some items of high value. So if a storm surge sweeps your stock certificates, money, or precious metals out to sea, they won't be covered. Also, insurance doesnâ€™t cover damage to your yard or structures in it, such as decks, fences, or swimming pools. A flood insurance policy wonâ€™t cover living expenses either, if you have to pay for temporary housing.