FEMA's flood maps often miss dangerous flash flood risks, leaving homeowners unprepared

The deadly flash flooding in Texas on July 4, 2025, and destructive flash floods a week later in states including New Mexico, Vermont and Iowa are raising questions about the nation’s flood maps and their ability to ensure that communities and homeowners can prepare for rising risks.

The U.S. Federal Emergency Management Agency’s flood maps are intended to be the nation’s primary tool for identifying flood risks. Originally developed in the 1970s to support the National Flood Insurance Program, these maps, known as Flood Insurance Rate Maps, or FIRMs, are used to determine where flood insurance is required for federally backed mortgages, to inform local building codes and land-use decisions, and to guide flood plain management strategies.

In theory, the maps enable homeowners, businesses and local officials to understand their flood risk and take appropriate steps to prepare and mitigate potential losses.

But while FEMA has improved the accuracy and accessibility of the maps over time with better data, digital tools and community input, the maps still don’t capture everything – including the changing climate. There are areas of the country that flood, some regularly, that don’t show up on the maps as at risk.

https://www.yahoo.com/news/fema-flood-maps-often-miss-143440804.html