Flood Insurance Homeowner's insurance does not cover damage from flooding. However, because Etna Borough participates in the National Flood Insurance Program, you may purchase a separate flood insurance policy. The other flyer explains flood insurance in detail.Residents have purchased flood insurance because the bank required it when they got their mortgage or home improvement loan. These policies usually cover just the building's structure and not the contents. The typical flooding that occurs in Etna routinely causes more damage to furniture and contents than to the structure itself. If you...