Sorry Guys .... but flood damage from natural causes is pretty clearly not covered in any homeowner's policy. That's been the case for a long long time. Not that I work for insurance companies or anything .......
You can buy a flood policy from the government, but it only pays up to $250,000.
The interior of my house flooded badly about 6 years ago, but it was because a faulty furnace part caused it to shut down, which, in turn, caused the pipes to freeze while I was away. Insurance paid about $100k.