There are floods in the news again… seems incessant. Hurricane Sandy just devastated the New York metropolitan area. Duluth is still working to recover from recent flood damage of trout streams and hiking trails. Though we’ll likely have a reprieve for a few months, flood season will come roaring back shortly after we’re lulled to sleep. Most everyone experiences a surprise “flood” in one situation or another, whether a formally declared flood such as caused by hurricane Sandy, or a swamped basement because a sump pump couldn’t keep up following a spring thunderstorm. There are multiple definitions of what constitutes a “flood.” Some floods are addressed easily by insurance, some are clearly excluded.