Generally speaking NO.....virtually all carriers who use any part of an ISO homeowners insurance contract will exclude flood. Flood insurance is underwritten and priced by the government through FEMA. There are several carriers who write flood insurance and there shouldn't be any real variance to the pricing between the carriers.
Even if you don't think your home or business would ever flood, check out the cost of flood insurance. You might be surprised how cheap it actually is......I know what I'm talking about on this topic. My office had 7 feet of water in it after back to back 100 years storms hit my area back in 2010. I didn't have flood insurance (dumb agent I know) and had to come out of pocket to rebuild my unit. I have flood insurance now..........costs me about $350 a year!!
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Even if you don't think your home or business would ever flood, check out the cost of flood insurance. You might be surprised how cheap it actually is......I know what I'm talking about on this topic. My office had 7 feet of water in it after back to back 100 years storms hit my area back in 2010. I didn't have flood insurance (dumb agent I know) and had to come out of pocket to rebuild my unit. I have flood insurance now..........costs me about $350 a year!!