The problem: Flood Insurance Rate Maps (FIRMs) might seem like a logical place to start, but these frequently used resources are often wrong.
They’re incomplete, only showing flooding along coasts and rivers while ignoring flooding from regular rainfall and missing 6 million Americans at substantial risk…
Outdated, based on decades-old flood data, not the worsening trends we’re seeing today…
And imprecise, averaging risks across thousands of properties in every census tract, with no way to gauge individual homes or even neighborhoods.
Yet bright lines make the maps look binary: You’re either “at-risk” in a 100-year Special Flood Hazard Zone with a 1% annual chance of flooding (26% chance over the life of a mortgage), or you’re outside of the SFHA and “safe.” But flood risk isn’t that simple.
Go deeper: Check the true risk of the home you’re in or want to buy with FloodFactor, which — unlike FEMA — combines past and present flood data with the latest projections.