Under the National Flood Insurance Program (NFIP), a flood is defined as “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).” This inundation may include the overflow of inland or tidal waters, rapid accumulation of runoff, mudflow, or the collapse of land along a shore due to water that has exceeded anticipated cyclical levels. In plain English, a flood is generally described as excess water (or mud) on normally dry land. While floods are often thought of as being limited to coastal flooding or riverine flooding, they may also occur as a result of excess urban runoff, dam/levee breaches, landslides, ice dams, and even bursting city water mains. So long as the inundation that occurs meets the definition as prescribed by NFIP, the resulting damage would typically be considered the effects of flooding.