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Depending on the home, wastewater either goes into a septic tank and seeps back into the backyard or is sent via sewer system to a local sewage-treatment plant. Septic systems naturally separate different components of the waste so that it can naturally and safely disperse it. They are usually reserved for homes not served by a municipal sewage department (like rural homes). A treatment plant, on the other hand, speeds up that process through screening and purification.

There are many things that could cause your basement floor drain to back up. One significant cause of a drainage backup is flushing non-flushable items, such as wipes, paper towels, and facial tissue. Other causes of a backed-up basement floor drain include tree roots impeding the drain pipe or an accumulation of hair, oil, and grease. 

As a preventative measure, hydro jetting should be done every one to two years. However, the best practice is to hydro jet your sewer line once per year. The ideal frequency depends on several factors, including the age and condition of your pipes, how prone they are to clogging, how often the sewer line is used, and the type of waste disposed of in the system. If you frequently experience clogs or are unsure, it's best to ask a licensed plumber for a recommendation specific to your plumbing system.

A clogged sewer line is not typically covered by homeowner’s insurance, though some sewer line issues are covered. For instance, damage related to a fallen tree is usually covered. Though sewer line replacement is not covered in a standard insurance policy, some companies offer add-ons for this purpose. Read the fine print before spending your own money.