What Homeowners Insurance Doesn't Cover
Flood and earthquakes are not part of the risk covered under homeowners insurance.
If you are staying in an area that might flood or is on the fault line, then you have to look for other types of policies that will cover these risks. You could get flood insurance from the National Flood Insurance Program, which is a government-owned institution, or you may get it from private companies; you may even add an endorsement on your existing policy so as to cover damages from earthquakes.