Flood Insurance
Flood insurance covers physical damage to your property and possessions caused by surface water from inland or tidal waters, rapid runoff of surface waters from any source, mudflow, or collapse of land along the shore of a lake or similar body of water resulting in erosion or the undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood.
The flood must affect two or more acres or two or more properties (including your own). Most homeowner policies specifically exclude coverage for floods.
