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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. 

If you’re not using a septic system, problems with your home’s plumbing won’t cause this—it’s a city problem. A large blockage in the municipal sewage lines may cause those lines to back up into your home. This is extremely unpleasant and can be a serious health risk due to bacteria and other contaminants. If this occurs, call a pro (or your city) immediately.

In the majority of cases, homeowners insurance will not cover a main sewer line root clog. The reason is that most insurance companies consider tree root damage to sewer lines as common wear and tear, which is also preventable. However, you may be able to buy optional add-on coverage, such as "service line coverage" or "sewer line endorsements," that would protect against root damage to your sewer line.

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.