(4) Repairing a flooded home will cost you. Drying up a 2,000 sf house in normal conditions may cost over $2,500. (5) Homeowner insurance doesn’t cover all floods. Make sure you know what the insurance covers. Most do NOT cover rising water, but will if comes thru the roof. Have to ask for it specifically. Many in the Houston, Beaumont & other areas have a lot to learn about this.