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One of the best things for homeowners, renters and business owners against any type of natural disaster is a good insurance policy. Be aware that homeowner’s insurance does not cover flood damage. Youneeda separate flood insurance policy. Homeowners, renters and business owners can buy flood insurance even if they reside in a high, low or moderate risk area. Policies are available for both residential and commercial buildings as long as the community joins in the National Flood Insurance Program.