The NAIC also offers the following information about flood risks, preparation and insurance. An urban and small stream advisory means. Areal flooding begins in flat areas like floodplains and in. A flash flood warning is issued when a flash flood is imminent or occurring. A flash flood warning means a flash flood is imminent or occurring take immediate action to protect life and property. Infiltration also is slow to negligible through frozen ground, rock, concrete, paving, or roofs.
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