"When the floodwaters receded from Texas' Gulf Coast in September 2017, the damage from Hurricane Harvey was massive and far-reaching. Restaurateur Keith Lilley had lived through other catastrophic storms and was not surprised when tons of water were dumped on his tiny hometown of Dickinson, about 30 miles south of Houston. [...] Floods are the most common and destructive natural disaster in the United States. About 90 per cent of all natural disasters involve flooding, and all 50 states have experienced floods in the past five years. Damages from floods are not covered under a standard homeowner's insurance policy."