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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.
A flood is an overflow of water that submerges land that is usually dry. The European Union Floods Directive defines a flood as a covering by water of land not normally covered by water. In the sense of flowing water, the word may also be applied to the inflow of the tide. Flooding may occur as an overflow of water from water bodies, such as a river, lake, or ocean, in which the water overtops or breaks levees, resulting in some of that water escaping its usual boundaries, or it may occur due to an accumulation of rainwater on saturated ground in an areal flood.