As a result, First Street’s flood model has data for more than 142 million homes and properties across the U.S. 1 The team at First Street Foundation has built on the work of FEMA and other government agencies, but the First Street Foundation Flood Model focuses on comprehensive coverage of all homes in the nation and defines risk for individual properties rather than floodplain management. Flood insurance is not required, but most properties will qualify for Preferred Risk Policies from the National Flood Insurance ProgramįEMA’s flood maps currently cover only approximately 60 percent of the nation.Low risk is not the same as no risk and homeowners should still be prepared.These zones are higher than the elevation of the 0.2% annual chance of flood.Low-risk flood zones are labeled Zone C or Zone X (unshaded) on the map Flood insurance is not federally required, but FEMA recommends homeowners take action to protect their homes in these zones.Also referred to as a 500-year flood with a 1 in 500 chance of flood in a given year.These zones have a 0.2% annual chance of flood being equaled or exceeded.Moderate-risk flood zones are labeled Zone B or Zone X (shaded) on the map Flood insurance is mandatory for structures with mortgages from federally regulated or insured lenders.This is also referred to as a 100-year flood, meaning there is a 1 in 100 chance of flood in a given year, and 26% chance of flooding over 30 years.
These zones have a 1% annual chance of flood being equaled or exceeded. For me, BeSpacific is one of my daily must-reads and has been for 14 years straight.High-risk floods zones are labeled on the Flood Insurance Rate Map as Zone A, Zone AO, Zone AH, Zones A1-A30, Zone AE, Zone A99, Zone AR, Zone AR/AE, Zone AR/AO, Zone AR/A1-A30, Zone AR/A, Zone V, Zone VE, and Zones V1-V30. She posts multiple items every day, covering the gamut of law, technology and knowledge discovery and topics ranging from cybersecurity to legal research to government regulation to civil liberties to IP and more. “Launched in 2002, BeSpacific is one of the longest-running legal blogs and, remarkably, Sabrina seems more prolific today than ever. Flood Factor also includes flood risk from urban stormwater flooding, storm surge and future conditions like sea level rise…”īeSpacific: “No one better has her finger on the pulse of the legal information world than Sabrina Pacifici, law librarian and author of the blog BeSpacific,” writes blogger Robert Ambrogi. Flood Factor’s national flood model shows that flood risk is more widespread in the United States, with over 25 million properties at risk over the next 30 years. FEMA flood maps identify over 1.1 million miles of flood hazard areas, and while the maps can provide detailed information for homeowners on their flood risks, they are not available everywhere. Flood risk was largely defined by the Federal Emergency Management Agency (FEMA) flood maps, which are used to define mortgage risks, set insurance rates, and establish building and land use regulations. Finding a home’s flood history could be difficult, as flood disclosure laws vary by state, and individual flood insurance claims are protected by privacy laws. Before Flood Factor, many Americans had limited options to find a home’s flood risk, and no way to determine how that risk would change over the duration of their home ownership. Flooding is the most expensive, natural disaster in the United States, costing over $1 trillion in inflation adjusted dollars since 1980. There is a growing need for flood risk data. By making flood risk data freely available for all, individuals and communities can prepare for and mitigate risks before they become a reality. First Street Foundation aims to quantify and communicate America’s flood risk. Flood Factor was created to make the most cutting edge flood science. 
Flood factor free#
“ Flood Factor is a free online tool created by the nonprofit First Street Foundation that makes it easy for Americans to find their property’s risk of flooding and understand how flood risks are changing because of a changing environment.
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