A median of $577,000 on lots that in places are still flood irrigated. Water released deliberately onto your land is not a flood, and it is not a covered loss either.
Irrigation water that enters a house is surface water. Every homeowners policy excludes it.
Three things about water delivered to your yard.
Homeowners policies exclude water that arrives across the ground, and that wording covers irrigation exactly as it covers a storm. Water released into your yard on a schedule, backing up into the house because a berm failed or a door threshold was low, is surface water and it is excluded. It surprises people precisely because somebody turned it on deliberately.
Keeping irrigation water out of a house is a landscaping and grading question rather than an insurance one. Berms that have settled, drains that have silted up and thresholds that sit low are the usual causes, and all three are maintenance an owner controls.
Where water escapes because somebody mishandled a gate or an irrigation structure failed, there may be a claim against that party. That is a liability question rather than a property one, and it proceeds quite separately from your own policy, which will not be paying in the meantime.
Water, and where it is meant to go.
It changes the water conversation entirely.
The only real control, and it is maintenance.
It is a separate policy and it is worth pricing.
Tell us whether the lot is irrigated and what the drainage is like.
We price flood cover on irrigated lots rather than ignoring it.
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