Answer :

Vuk15
The term to complete the sentence is runoff. Runoff refers to water that cannot be absorbed by the soil because it is saturated. This water is generated by rainfall, snowfall, or melting of snow or glaciers.These waters are a major cause of erosion and of flooding in urban areas. Urbanization contributes to the generation of these waters given that the natural soil is substiituted with pavement.

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