Surface runoff (also known as overland flow or terrestrial runoff) is the unconfined flow of water over the ground surface, in contrast to channel runoff (or stream flow). It occurs when excess rainwater, stormwater, meltwater, or other sources, can no longer sufficiently rapidly infiltrate in the soil. This can occur when the soil is saturated by water to its full capacity, and the rain arrives more quickly than the soil can absorb it. Surface runoff often occurs because impervious areas (such as roofs and pavement) do not allow water to soak into the ground. Furthermore, runoff can occur either through natural or human-made processes.

Surface runoff is a major component of the water cycle. It is the primary agent of soil erosion by water. The land area producing runoff that drains to a common point is called a drainage basin.

Runoff that occurs on the ground surface before reaching a channel can be a nonpoint source of pollution, as it can carry human-made contaminants or natural forms of pollution (such as rotting leaves). Human-made contaminants in runoff include petroleum, pesticides, fertilizers and others. Much agricultural pollution is exacerbated by surface runoff, leading to a number of down stream impacts, including nutrient pollution that causes eutrophication.

In addition to causing water erosion and pollution, surface runoff in urban areas is a primary cause of urban flooding, which can result in property damage, damp and mold in basements, and street flooding.

Surface runoff is defined as precipitation (rain, snow, sleet, or hail) that reaches a surface stream without ever passing below the soil surface. It is distinct from direct runoff, which is runoff that reaches surface streams immediately after rainfall or melting snowfall and excludes runoff generated by the melting of snowpack or glaciers.

Snow and glacier melt occur only in areas cold enough for these to form permanently. Typically snowmelt will peak in the spring and glacier melt in the summer, leading to pronounced flow maxima in rivers affected by them. The determining factor of the rate of melting of snow or glaciers is both air temperature and the duration of sunlight. In high mountain regions, streams frequently rise on sunny days and fall on cloudy ones for this reason.

In areas where there is no snow, runoff will come from rainfall. However, not all rainfall will produce runoff because storage from soils can absorb light showers. On the extremely ancient soils of Australia and Southern Africa, proteoid roots with their extremely dense networks of root hairs can absorb so much rainwater as to prevent runoff even with substantial amounts of rainfall. In these regions, even on less infertile cracking clay soils, high amounts of rainfall and potential evaporation are needed to generate any surface runoff, leading to specialised adaptations to extremely variable (usually ephemeral) streams.

This occurs when the rate of rainfall on a surface exceeds the rate at which water can infiltrate the ground, and any depression storage has already been filled. This is also called Hortonian overland flow (after Robert E. Horton), or unsaturated overland flow. This more commonly occurs in arid and semi-arid regions, where rainfall intensities are high and the soil infiltration capacity is reduced because of surface sealing, or in urban areas where pavements prevent water from infiltrating.