Even doubtful accusations leave a stain behind them
~ Thomas Fuller (June 19, 1608 - August 16, 1661)
A flood is defined as rising water, and it doesn't matter why the water is rising. If it rains faster than it can be pumped away, that's a flood. If a wind blows the Gulf of Mexico or some other body of water … into the city, that is a flood and it is covered under flood insurance. Rising waters, by definition, are excluded from a homeowner's policy.