Floods are one of the most common and expensive natural disasters that occur. They can happen to anyone, whether you live in a flood plain or not.
Home insurance policies vary in every state. Here in North Dakota, home insurance will cover tornados, hail, and most other severe weather except floods. Which is why it’s important to get properly insured.
Rue also tells me a sewer or sump pump endorsement on your policy does not mean you have coverage for flood, which most people often mistake.