What natural disaster is not covered by the National Flood Insurance Program (NFIP)?

The National Flood Insurance Program (NFIP) specifically provides coverage for damages caused by flooding, which is defined as a temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow. This means floods, which are caused by rainfall, storm surges, or rapid snowmelt, are covered under the NFIP.

In contrast, earthquakes are not covered by NFIP policies, as this program is focused solely on flood-related damages. Similarly, landslides, which are typically a result of soil erosion or geological movement rather than flooding, are also excluded from NFIP coverage. Tornadoes, while destructive and capable of causing severe property damage, do not fall under the category of flooding either.

Therefore, the natural disaster that is not covered by the National Flood Insurance Program is landslides. This distinction is important for homeowners to understand, as they may need to seek separate policies for earthquakes and landslides, as well as understand that flood insurance specifically caters to flooding events.