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An areal flood warning means that the flooding happens over a longer period of time (like several days) from extended periods of rain. It also covers more area or space. So instead of just a river, it would cover multiple counties.
Flood insurance covers direct physical loss caused by âflood.â In simple terms, a flood is an excess of water on land that is normally dry. Hereâs the official definition used by the National Flood Insurance Program. A flood is (1) âA general and temporary condition of partial or complete inundation of two or more acres of