It often does. Surface water from heavy rain can still be treated as flood damage even when the property is far from a river.

Why does surface water enter homes?

• Drains cannot take the volume of rain.
• Paved areas can direct water towards doors.
• Raised ground can send water towards air bricks and walls.

Helping heavy rain drain away from the house

• Keep gullies clear.
• Make sure patios and drives fall away from the house.
• Avoid raising soil above air bricks or the damp-proof course.
• Use permeable surfacing where practical.

Be clear about any previous flooding

Answer questions about previous flooding accurately, even if the water came from heavy rain rather than a river.