Check with your insurance agent about flood insurance. Homeowner's insurance doesn't cover floods, which doesn't have to be a stream overflowing, but is any water that comes in over the ground. If you don't have it, think about why you don't. If you live in a flood plain, your bank probably requires it. If you live outside the flood plain, remember that flooding can happen almost anywhere, and unless you're on the tippy top of a hill, too much rain could end up in your basement.
If you were affected by the January 2024 severe storms, you can apply for federal disaster assistance.