A general and temporary condition of partial or complete inundation of 2 or more acres of normally dry land area or of 2 or more properties (at least 1 of which is the policyholder's property) from:
Overflow of inland or tidal waters; or
Unusual and rapid accumulation or runoff of surface waters from any source; or
Collapse or subsidence (i.e. sinking) of land along the shore of a lake or a similar body of water as a result of erosion or scouring caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above.