Flood Insurance:

In the movies, any big surge of water from the ocean--the result of an underwater earthquake or a crashing asteroid—is often called a tidal wave. But it is another case of Hollywood not quite getting things right. A tidal wave is a predictable event vs. a giant wave created in a violent event is known as a tsunami.

A tidal wave is produced by the daily tides, which are caused by the gravitational pull of the Moon and Sun.  As the tide rolls in and out, it produces a rise and fall in the sea level that stretches across thousands of miles.
A tsunami, on the other hand, occurs when some event disturbs the ocean.  An earthquake, for an example, can jiggle or displace the ocean floor, perhaps triggering an underwater landslide.  The water above such an event rises or falls, creating a surface wave that can travel at hundreds of mils an hour.  A tsunami wave isn’t necessarily very tall in the open ocean—a few inches to a few feet different from the level of the ocean around it.  But it can be very long, so when it approaches land, the water piles up—creating devastation like that seen in the Indian Ocean in December of 2004.
Flood Insurance covers direct physical loss caused by “Flood”.  In simple terms, a flood is an excess of water on land that is normally dry.  The National Flood Insurance Program, (NFIP) defines flood as:
A flood is 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 your property) from:


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