Location, Location, Location.
Remember, don’t buy a home in the drainage are below a dam, behind a levee, or in a river flood plane.
Or below sea level as in New Orleans.
The experts might say there is no reason for concern but don’t forget; experts built the Titanic; experts said it was safe for the Space Shuttle Challenger to lift off; and experts said Donald Trump had no path to win the Presidency.
It's a pretty bad scenario to have ones house flooded but not be a total loss. You lose everything, don't collect much from insurance (compared to all that's been lost), your insurance goes up, and its value goes down.
I had a cousin that happened to. It doesn't ever get "back to normal".