Overflows from sewer systems or sump pumps are not considered a flood unless a flood has caused the backup and overflow.
If a house is destroyed due to the collapse of the land it is built on, and the collapse is due to waves or currents of water, that would be considered a flood and would be covered.
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Floods can happen anywhere and without warning. 25% of homes with flood claims each year are in low risk zones just like yours. Give yourself and your family the peace of mind of knowing that they are protected should a flood happen. It will take a full 30 days from the time your policy is purchased to be valid so waiting to make this decision is a serious risk.
Flood damage is not typically covered by a homeowners insurance policy.