A flash flood warning is in effect until 9 a.m. for Boston and several communities south of the city, including Brockton, Quincy, and Randolph, officials said Thursday morning. The National Weather Service also issued a flood watch that will remain in effect until 4 p.m. for Rhode Island and eastern portions of Massachusetts and Connecticut.

Catastrophic floods can be difficult to prepare for. Sometimes evacuation is the right call, but if it’s too late the best bet is to find higher ground nearby. The stakes can be high, because a flash flood may give those in its path only minutes or seconds to react.

Heavy rainfall caused areas of flooding on I-93 and other major roadways in Massachusetts on Thursday morning.

The disappointing surprise is that while the standard home insurance policy does cover fire and wind damage, even good property insurance typically doesn’t cover things like flooding and earthquakes, which usually require a special and separate policy for each. Here are the things to know about flood insurance.

Significant rainfall caused flooding in yet another state as the National Weather Service issued a flash flood warning in Massachusetts Thursday.

Flash flooding could impact parts of south central and southeastern Massachusetts, Connecticut, and Rhode Island, Boston meteorologists warned.

Broken tree limbs, twisted metal, crumpled cars and muddy debris remained as crews worked to clear roads and culverts in the wake of Tuesday’s flash flood that killed three people — including two children — and significantly damaged as many as 50 homes, with one home carried away entirely.

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