Natural disasters in China divine retribution: "tianzai" (天災), literally 'heavenly disaster'. In ancient beliefs, natural disasters were seen as Heaven’s response to immoral human behaviour, whereby the conduct of different individuals carried different weights. While the behaviour of common people ranked last, the actions of bureaucrats had a greater effect. Given that in Imperial China the emperor's behaviour was believed to be the most important, popular belief was that the emperor should attempt to prevent disasters by ensuring his conduct was in following with moral codes – and if a disaster should occur, he was responsible for addressing the consequences. According to the Overseas
Flood insurance who may discover only after the damage has been done that their standard insurance policies do not cover flooding. Flooding is defined by the National Flood Insurance Program as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property) from: Overflow of inland waters, unusual and rapid accumulation or runoff of surface waters from any source, and mudflows. This can be brought on by landslides, hurricanes, earthquakes, or other natural disasters that influence flooding, but while a