Damage caused by rising water is not covered by the standard home insurance policy.  The path of ground water is constantly changing.  In an effort to anticipate rising water levels Recently FEMA and U.S. Congress redrew the flood zone maps.  As a result, if you havent heard from them, your Mortgage Bank may be contacting you to purchase Flood Insurance.

Get familiar with the risks of Flood Insurance and be prepared, because once the storm is named it is too late.  There is a typical 30 day waiting period for flood insurance, so its best have your policy in place in advance to avoid uncovered claims the storm hits.