Have you seen the flooding in Nashville? Should people homeowner's insurance pick up some of this tab?

Homeowner’s insurance does not cover flood, as most of us know. The area of Bellmeade, Tennessee was hit by 10 feet of water and many very expensive home have no flood insurance.

Will be interesting to see if their homeowner’s insurance will cover any of this damage. This happened in Houston, Tx aprrox. 20 years ago, and some of the insurance companies (homeowner insurance) covered the carpet and baseboards. The federal government picked up some of the tab on the remaining damage.

I live in a low lying area, but it is not a flood zone. In these situation, should the homeowner’s insurance companies make a special provision for these type of events?