Most people will likely qualify for Disaster Assistance[1]. The issue is that flooding is a hard thing to cover because it's an expensive risk to ensure. Plus

Most people will likely qualify for Disaster Assistance[1]. The issue is that flooding is a hard thing to cover because it's an expensive risk to ensure. Plus unlike things like tornadoes, hail storms, or theft, floods always affect a large number of people. Private insurance pretty much refuse to cover these types of things because it's hard to spread stuff out. That's why stuff like the NFIP[2] and the TWIA[3] exist—because the government can pool it over the entire area (at least, in theory). [1]: https://www.disasterassistance.gov https://www.disasterassistance.gov [2]: https://en.wikipedia.org/wiki/National_Flood_Insurance_Program https://en.wikipedia.org/wiki/National_Flood_Insurance_Progr... [3]: https://www.twia.org https://www.twia.org