Which of the following is generally considered to be a flood under the NFIP policy?

The NFIP (National Flood Insurance Program) defines a flood specifically in terms of water covering land that is normally dry, which includes scenarios where water overflows from a river. This means that scenarios like a river overflowing would fit squarely within the NFIP’s definition of a flood. Flash flooding is also considered a type of flood, as it involves rapid inundation of an area by water.

Sewer backup, on the other hand, is treated differently under NFIP policies. It typically does not fall under the standard definition of a flood. Instead, sewer backups are more related to plumbing issues or drainage problems and often require separate coverage under a homeowner's policy, depending on the provisions.

Understanding this distinction is important for homeowners who may be trying to assess their insurance coverage effectively. Thus, water overflow from a river is an example of what the NFIP covers as a flood.