<prompt> Human: I just had a baby yesterday, this morning I received a call from my mother in law who was watching my three kids at my house. She told me the fire department had to evacuate them because the water was going to overflow the banks. My house is under 10 feet of water. At this point Im not sure the damage but you can imagine. I have a place to stay with family but what do I do about my home? I do not have flood insurance because I was not on a flood plain. Im at the hospital still with my wife and 14 hour old son. My house is still inaccessible due to flooding.  <response>: Well, you will have to apply for FEMA relief funds. Its that simple. Im very surprised how you were not considered as being in a flood plain when you live in such close proximity to a river. Surely somewhere along the lines somebody made a mistake. I would look into who and see if there is liability. If you own your home outright then you are not required to have flood insurance, or any insurance for that matter. Regardless, you need to gut the house ASAP! Seriously, this is the number 1 thing to do, get all that wet shit out. Strip the sheetrock and insulation out, get all the floor coverings out etc.. Document everything. Lots and lots of photos. You can not have too many photos. Remember to record serial and model numbers as well, for everything! I say this because if down the road you are able to seek some sort of compensation you will need to prove your losses.This information comes to you from a flood pro veteran. 