What type of natural disaster damage is typically not covered by the standard insurance policy?

In standard insurance policies, flooding is often specifically excluded from coverage. Many homeowners and property insurance plans do not provide financial protection against damages caused by floods, which can result from heavy rainfall, snowmelt, or other factors that lead to water inundation. As such, property owners frequently need to obtain separate flood insurance through the National Flood Insurance Program (NFIP) or private insurers to protect against this type of loss.

On the other hand, fire damage is generally covered under standard homeowner's policies, as is theft, which addresses losses from burglary or other criminal activities. Earthquake coverage can vary; while some policies may include it, many require an additional rider or a separate policy for earthquake damage, similar to flooding. Thus, flooding stands out as the type of natural disaster damage not usually included in a standard insurance policy.