I think flooding is highly dependent on location (as long as it's not a basement). As is fire. Look at all the homes destroyed in the wildfires in recent years. The incidence of house fires not related to natural events is decreasing, but the speed that a house burns is faster today than in the past.

It seems like every 2-3 years I hear about an apartment building in my area that has a fire destroying multiple units or the whole building. When I lived in an apartment I deliberately chose an old complex because they were concrete - better fire protection, less noise transfer, and fewer pest concerns/points of entry.

In a dwelling flood damage can happen be from indoor plumbing. Be from roofs.

And if you have this stuff in a fireproof box or filing cabinet, those are not concerns, provided it's not in the basement.

Also, water damage from pipes or roof leaks is categorically different from flood damage. Homeowners insurance covers roof and pipe leaks, but you need flood insurance for actual flood damage (basically water from any other sources).