[sharktrager]

Any water damage is considered flood damage.

[Texasbound]

"Any water damage is considered flood damage."

Not exactly. If a pipe breaks insid your house, that should be covered. If the wind blows the roof off your house and the rain gets in, that may be covered. If the creek rised to your 2nd floor, that's not covered.

[Gay State Conservative]

Any water damage is considered flood damage.

I don't think that's universally true.In a case where your water pipes burst/leak,as can sometimes happen in bitterly cold weather,the damage caused by the water is covered.

[TalonDJ]

Any water damage is considered flood damage.

I know from experience that some policies cover rain water leaking through the roof. Even if you bungle the roofing your self when adding on to your house :P
If it has not hit the ground before it got in your house it is not flood damage. If it did hit the ground (or water on the ground) then it is flood water.