Florida flooding without a hurricane is an important concern for homeowners, particularly in coastal communities where unusually high tides and heavy rainfall can combine to create challenging conditions.

Recent King Tides and significant rainfall in South Florida, including the Miami area, have brought renewed attention to how flooding can affect homes and neighborhoods even when no named storm is approaching.

For homeowners, these conditions raise important questions. How does water enter a property? What is the difference between tidal flooding and wind-driven rain? And how might those differences affect an insurance claim?