Flood Insurance covers all of the following EXCEPT:

Flood insurance policies are designed to provide coverage for specific types of damages caused by flooding. While the coverage typically extends to various structures and property within the designated flood zones, certain items and types of damage are explicitly excluded.

In this case, fences, retaining walls, and outdoor swimming pools are generally not covered under standard flood insurance policies. These items are often considered improvements or structures that can be more easily assessed for risk of impact by floods, and they do not fall under the primary categories of insured dwellings or personal property.

On the other hand, erosion caused by flooding, overflow from lakes or tidal waters, and runoff of surface water typically represent scenarios where flood insurance applies because these situations directly relate to rising water levels or the movement of water due to flooding events. Understanding what is and isn't covered helps policyholders make informed decisions when selecting their insurance products and managing their risk exposure.