The definition of the flood is raising water that encompasses two pieces of property or two acres whichever is last. In that definition it doesn’t say that the properties have to be adjacent to one another.Therefore, provided that flooding occurs on any two properties during the same storm, it falls under the definition of a flood for the purposes of flood insurance.
If you leave your windows open and it rains that’s not a flood. If your pool over flows and water comes in to your house that’s not a flood.
Florida comprises property that is surrounded by water and there are many low lying areas and coastal areas prone to flooding.
In 2012 the Biggart Waters Act was passed causing flood insurance rates to skyrocket. The Federal government as of 2012 was about 24 billion dollars in debt on their flood insurance claims and needed to stop the bleeding . With this act they to stopped subsidizing the flood insurance