Which of the following risks is NOT covered by a standard flood policy?

A standard flood policy is designed specifically to cover losses related to flooding caused by rising water from various sources, such as heavy rainfall or the overflow of rivers or lakes. However, it does not cover damage caused by wind-driven rain because such damage falls under the purview of homeowners or other property insurance policies, as it results from wind events rather than rising water.

The other options represent types of coverage typically included in a flood policy. For instance, loss of personal property and structural damage to a home are core aspects of flood insurance. Additionally, some flood policies also address losses due to mudslides, which can be considered a form of flooding, particularly if the mudslide is caused by excessive rain saturating the ground.

In summary, a standard flood policy does not extend its coverage to damages resulting from wind-driven phenomena, affirming the importance of understanding the specific risks and types of damage that each insurance policy is designed to cover.