Seepage vs. creek and overland flooding are different problems
Water through a wall crack after rain is not the same event as a creek leaving its banks. DuPage County’s flood preparation guidebook separates underground flooding (seepage through cracks and joints, water through a floor drain, seepage up through the floor, an overflowing sump pit) from surface flooding (water through a window or door, standing water in the yard, water from a clogged grate or ditch, water from a neighboring property, or a waterway that overflows).
The Daily Herald, on July 25, 2010, reported that Carol Stream homes were still flooded two days after storms, and that the same area had flooded in September 2008. Nearly 50 homes were still underwater. The village president at the time said the major issue stemmed from the location of the village in a major flood plain. That is a 2010 statement in that article. It is not a flood-zone label for a house. A trustee recalled heavy flooding in the area in 1972. This page does not print street names or anyone’s home address.
Fixes follow the path of the water. Seepage is a drain tile, crack, and sump conversation. Overland water is a grading and exterior conversation. Sewer backup is a different system again. Ask an insurance agent what a policy covers. This site does not say what a policy pays.