Section II. Definitions - Flood
Flood is defined in the SFIP as follows:
  • A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (one of which is the policyholder's property) from:
    • Overflow of inland or tidal waters
    • Unusual and rapid accumulation or runoff of surface waters from any source
    • Mudflow
  • Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood
 
 
Photograph of flood waters. Buildings in the background along with a McDonalds restaurant sign.
A pencil writing across paper.

Adjuster Tip: Understanding the general condition of flooding (GCF) is important because for a claim to be payable, a general condition of flooding—as defined in the policy—must have occurred.