Did you know? Floods are the most common natural disaster.    Just in the last two years, floods have hit homes and businesses in all 50 states.    Floods do not only occur near bodies of water. Heavy rainfall can flood entire cities.    Unanticipated flooding can happen in areas previously considered out of flood reach.    Flood insurance covers more damage than disaster assistance. A home with flood insurance may be covered for $250,000, whereas the same house would be covered for $35,000 with federal assistance.