The basic NFIP flood insurance policy covers the building or structure.
In other words, building coverage through NFIP covers the structure and equipment necessary to support the structure, such as the furnace, water heater, circuit breakers, and fuel tanks and the fuel in them.
There is an option for contents coverage through the NFIP. Contents coverage through NFIP covers belongings within the structure, such as the washer and dryer, furniture, electronic equipment, and clothing.
Private flood insurance often offers both structure and contents coverage. Your insurance agent can provide details of what is and is not covered. Information is available at