How does Flood occur?
Flood is usually an overflow of an expanse of water that submerges land and the inflow of tide onto land. Floods are the most frequent and costly natural hazards, causing almost 90 percent of all the damage related to natural disasters. Floods usually cause large-scale loss of human life and wide spread damage to properties. This damage is known as flood damage.
Floods occur when the ground can’t hold any more rain. There is too much rain to be absorbed by the earth and the water stays on top of the earth and runs off to the rivers and seas. This is normally happens during the very heavy rain seasons. After severe thunderstorms, monsoons, hurricanes and typhoons, the water fills up the rivers and then the rivers overflow their banks and the water comes onto the land and a flood devastates the land. Sometimes there is a blockage in the run off and again the water overflows and goes on the land and makes a flood.
Floods are the most frequent type of disaster worldwide. Thus, it is often difficult or impossible to obtain insurance policies which cover destruction of property due to flooding, since floods are a relatively predictable risk.