Did you know? 90% of all disasters are not Presidentially-declared.    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.    Disaster assistance is provided in Presidentially-declared disaster areas. However, if you receive disaster assistance, you are not eligible for it again for the next 3 years. You need flood insurance to cover damage should your home flood again in the 3 years following a Presidentially-declared disaster.