I think they should. Floods arent covered with homeowners insurance. I think theyre should be maxium type insurance should include floods. Like for example You buy Hurricane insurance that includes floods. You buy Homeowners that include floods. But if you buy Homeowners and if its an Hurricane youre not covered. You Buy Earthquake coverage and flood happens your coverved. Again But if you buy homeowners and an earthquake happends your not covered.You Buy Tornado coverage and flood happens your coverved. Again But if you buy homeowners and an tornado happends your not covered.So Earthquake,Hurricane and Tornado Coverage are very expensive but its with it.It depends where you live and what kind of maxium protection you want and when you buy maxium protection floods should be included. This is what i want the government to regalate.