Overflows from sewer systems or sump pumps are not considered a flood unless a flood has caused the backup and overflow.
If a house is destroyed due to the collapse of the land it is built on, and the collapse is due to waves or currents of water, that would be considered a flood and would be covered.
90% of all natural disasters have some form of flooding.
Flood insurance is required by law for some high risk homes but only a minority of homes fall under this category. Congress passed some laws requiring that all federally-insured or regulated lenders, for instance mortgages backed by Fannie Mae or Freddie Mac require flood insurance to protect their investment in the property.
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