I'd suggest you get the Innova if you have floods in mind. Truck-based platform means it's the sturdiest among your choices. Power is more than enough for the daily grind, fuel efficiency is great and it's very much flood-worthy too.
The Montero Sport non-VGT M/T fits your budget as well. Even more flood worthy than the Innova thanks to higher ride height. You get class leading ride quality, good power from the engine, and much more stage presence than an Innova.