Would a flood policy cover a flood that is confined to the insured's premises?

A flood policy, typically under the National Flood Insurance Program (NFIP), is designed to cover damage caused by flooding, which is defined as a general and temporary condition of inundation of two or more acres of normally dry land, or two or more properties, at least one of which is owned by someone other than the policyholder. For a flood policy to apply, the flooding must affect a broader area than just the insured's premises.

Since the intent of flood insurance is to provide coverage for damages resulting from more extensive flooding events, a flood that is confined solely to the insured's property does not meet the criteria established by flood insurance policies. Therefore, the policy would not cover damages in this scenario, as it requires the event to impact more than one property or a significant area, making the answer to the question that a flood confined to the insured's premises is not covered by the flood policy.