The term 'Flood Refuge' can be summarized as a place of safety from flooding, and is represented by the crossword solution 'ARK', which is a three-letter word. An ARK is a vessel that is used to protect people or animals from danger, such as a flood. The term 'Flood Refuge' is often used to refer to a safe haven for those affected by flooding, providing them with shelter and protection from the rising waters.