Flooding is not covered by a standard homeowners insurance policy.
To determine if you need flood insurance, ask your insurance professional, mortgage company or neighbors about the flood history in your area. If there is a potential for flooding, you should consider purchasing a policy that covers the structure and your personal belongings.
Flood insurance can be purchased from an insurance agent or company under contract with the Federal Insurance Administration (FIA), part of the Federal Emergency Management Agency (FEMA). Flood insurance is only available where the local government has adopted adequate flood plain management regulations under the National Flood Insurance Program (NFIP).
Earthquake is not covered by a standard homeowners insurance policy.
Earthquake insurance can be purchased from an insurance agent or company. There is requirements for qualifications of earthquake coverage which is based on the type of home, year built and distance to a steep slope, hill or ravine.