Flood Insurance is typically not covered by your basic policies and requires a separate flood insurance policy. Flood is defined as the “overflow of inland or tidal waters, the rapid accumulation or runoff of surface waters, mudslides from flood, collapse of land along shoreline,” and must cover a minimum of two adjacent properties or two acres if occurring on one property.

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Most flood policies are issued by the National Flood Insurance Program and premiums are based on one’s proximity to the flood exposures as defined by flood maps.