Plain-English meaning
A type of rising or accumulating surface water defined by the applicable policy; standard homeowners policies generally do not cover flood damage.
Why it matters
Water source and policy definition can determine whether homeowners, flood, or another coverage responds.
Where you may see it
Homeowners exclusions, NFIP or private flood forms, FEMA maps, and lender notices.
What to verify
Official map, policy definition, building and contents limits, deductibles, exclusions, and effective date.
Do not confuse it with
Water backup, seepage, burst plumbing, and rain entering through storm damage.
For policy-specific meaning, read the definition and related provision in the issued policy.