Which peril is excluded from coverage in a National Flood Insurance Program policy?

The correct answer identifies a specific type of water damage that is not covered under the National Flood Insurance Program (NFIP). A water-main breakage refers to damage caused by the rupture of a water supply pipe. This type of incident is categorized differently than flooding events that are typically covered, as it is considered a maintenance or infrastructure failure rather than a natural disaster.

In contrast, events like hurricane flooding, flash flooding, and river flooding are considered recognized perils under the NFIP, which is designed to insure against loss of property due to flooding caused by natural disasters. NFIP policies specifically cater to ground level flooding issues arising from such natural events, thereby providing coverage for these scenarios, but do not extend that coverage to issues stemming from plumbing failures or similar structural problems.

This distinction helps policyholders understand the scope of their coverage and ensures they are aware of the types of incidents that may require different forms of insurance or claims filing.