Which of the following is excluded from flood insurance?

The correct answer is that landslide is excluded from flood insurance. Flood insurance is typically designed to cover damage resulting from rising water, which includes various types of flooding such as river overflow, heavy rain leading to water accumulation, and storm surges that can inundate properties during significant weather events.

Landslides, however, are considered a separate type of natural disaster, often linked to erosion or unstable soil conditions rather than flooding. While flooding can contribute to landslides, the specific coverage provided by flood insurance generally does not extend to earth movement incidents like landslides. This distinction is crucial for policyholders to understand, as it determines the coverage they can expect during different types of natural events.