Water, Water Everywhere Here Comes the Flood

Flood” might as well be synonymous with “dread.” Or “mess.” Or “insurance hassle.”

Think back to the devastating footage after Hurricane Sandy, and you may have a number of questions about flood zones and flood insurance. Knowing the ins-and-outs of flood insurance before an incident happens, though, can help you navigate those stormy waters should calamity come to your doorstep.

First things first: What constitutes a flood? The Federal Emergency Management Agency (FEMA) defines it as the following:

• 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 (at least one of which is the policyholder's property) from:

• Overflow of inland or tidal waters; or

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