After a flood, is my refrigerator or stove covered as part of the house, and is my washer covered as my belongings?

This answer is about the federal National Flood Insurance Program (NFIP) Dwelling Form policy only. For items in a basement, see our answer about basements, because the policy limits what it covers there.

The policy lists items that are insured under building coverage only. They include built-in dishwashers, central air conditioners, furnaces, hot water heaters, plumbing fixtures, ranges, cooking stoves and ovens, and refrigerators.

It lists other items that are insured under contents coverage only. They include portable or window air conditioners, clothes washers and dryers, cook-out grills, food freezers other than walk-in and the food in any freezer, and portable microwave ovens and portable dishwashers.

Contents coverage starts with the words "If you have purchased personal property coverage." The sources do not say what your own declarations page shows, so check which coverages you bought.

Open the eCFR page and find Article III, section A, item 7, and section B, item 4.