A river flood occurs when water levels rise over the top of river banks due to excessive rain from tropical systems making landfall, persistent thunderstorms over the same area for extended periods of time, combined rainfall and snowmelt, or an ice jam.

A coastal flood, or the inundation of land areas along the coast, is caused by higher than average high tide and worsened by heavy rainfall and onshore winds (i.e., wind blowing landward from the ocean). Places like Charleston, South Carolina, and Savannah, Georgia, experience impacts from shallow coastal flooding several times a year because of coastal development and lower elevation.

Storm surge is an abnormal rise in water level in coastal areas, over and above the regular astronomical tide, caused by forces generated from a severe storm's wind, waves, and low atmospheric pressure. Storm surge is extremely dangerous, because it is capable of flooding large coastal areas. Extreme flooding can occur in coastal areas particularly when storm surge coincides with normal high tide, resulting in storm tides reaching up to 20 feet or more in some cases. Along the coast, storm surge is often the greatest threat to life and property from a hurricane. In the past, large death tolls have resulted from the rise of the ocean associated with many of the major hurricanes that have made landfall. Hurricane Katrina (2005) is a prime example of the damage and devastation that can be caused by surge. At least 1500 persons lost their lives during Katrina and many of those deaths occurred directly, or indirectly, as a result of storm surge.

Inland flooding occurs when moderate precipitation accumulates over several days, intense precipitation falls over a short period, or a river overflows because of an ice or debris jam or dam or levee failure. Hurricane Floyd (1999), aided by Tropical Storm Dennis (1999), caused widespread severe flooding that caused the majority of the $3 to 6 billion in damage reported after those storms.