Flash floods occur when heavy rainfall exceeds the ability of the ground to absorb it. They also occur when water fills normally dry creeks or streams or enough water accumulates for streams to overtop their banks, causing rapid rises of water in a short amount of time.

Most flash flooding is caused by slow-moving or stalled thunderstorms, by thunderstorms repeatedly moving over the same area, or by heavy rains from hurricanes and tropical storms. Heavy sustained rain can create rapid flooding within a few hours or even minutes, and flooding can occur miles away from where the rain fell.

It may be caused by heavy rain associated with a severe thunderstorm, hurricane, or tropical storm, or by meltwater from ice or snow flowing over ice sheets or snowfields. Flash floods may also occur after the collapse of a natural ice or debris dam, or a human structure such as a man-made dam, as occurred before the Johnstown Flood of 1889.

Flash floods occur within a few minutes or hours of excessive rainfall, a dam or levee failure, or a sudden release of water held by an ice jam. Flash floods can roll boulders, tear out trees, destroy buildings and bridges, and scour out new channels. Rapidly rising water can reach heights of 30 feet or more.