Accretion refers to land that is:

Accumulated by the gradual washing or motion of water.

Accretion is the gradual growth of land added to a property by natural forces. Over time, sediment and soil are carried and deposited by water, such as along a shoreline or riverbank, causing the land to enlarge. This is land that the nearby owner acquires through the slow, natural buildup of material. That’s why the description of land formed by gradual washing or motion of water fits best.

The other ideas describe something different: improvements are man-made changes to the property, not the natural growth of land; land acquired from the government is a transfer of ownership, not a natural addition; and erosion reduces land, the opposite of accretion.

The product of improvements made on land.

Land acquired by purchase from the government.

Land reduced by erosion.

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