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Erosion

a. The collapse, undermining or subsidence of land along the shore of a lake or other body of water. Erosion is a covered peril if it is caused by waves or currents of water exceeding their cyclical levels which result in flooding.

b. The process of the gradual wearing away of land masses. Erosion can occur along coasts and rivers and streams. Although flood-related erosion is covered by flood insurance, this peril is not covered per se under the National Flood Insurance Program (NFIP). The mapping and regulatory standards of the NFIP do not currently address erosion, but Community Rating System (CRS) credit is given to communities that include this hazard in their regulations, planning, public information, hazard disclosure, and flood warning programs. Many States and communities have established setbacks and other requirements in areas subject to erosion.

National Flood Insurance Program Requirements

  • 59.1 - Definitions