While most homeowners insurance policies do cover water damage from sudden, accidental events inside the home (like a burst pipe or a leaking appliance), they generally exclude any damage caused by rising water from outside your home. That includes flooding from heavy rain, storm surges or flash floods.

You can apply online at www.disasterassistance.gov or by calling 800-621-3362. You should take pictures of your damaged home and belongings and make a list of damaged and lost items immediately, as it could be helpful when discussing losses with your insurance provider or FEMA inspector.