Flood insurance is only available if the home is located in a federally designated flood zone. These zones are identified along known water systems and courses. I don’t know the particulars in this case but from some of the videos I seen, torrential flows coming down the hills through the draws did massive damage. These draws don’t necessarily qualify as flood zones if they don’t have historic water flow data.
In some ways that means the regulations are written bass-akwards. Emergency relief should apply first for flood damage outside of “flood zones” as within flood zones you can buy FEMA flood insurance and thus have some coverage.
Of course this whole system is a make-work scam for federal bureaucrats and only exists due to Democrats historic hatred of blacks. State run emergency relief in the south was stacked against minorities and the poor. Feds stepped in to stop Jim Crow era racism set up by Democrats.
My homesteaded home here in FL is not in a federally designated flood zone.
We have FEMA flood insurance.