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Climate change, hurricanes, rising sea levels, floods. Today's news sounds positively biblical, and consumers are looking for answers — and reassurance. That's why insurance agents today need the latest information and technology to provide their customers with the solutions and peace of mind they need. Here's what you need to know:

What constitutes a flood, exactly?

To be classified as a flood, two or more acres of normally dry land or two or more properties must be inundated by water or mudflow. Floods are the U.S.'s most common natural disaster and just "one inch of water in a home can cost more than $25,000 in damage." (The average loss in a flood is $46,000.)

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