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FEMA Flood Maps Omit Millions of High-Risk Homes, Report Says

Nearly 10 million homes outside FEMA flood zones face unrecognized risks as outdated maps fail to capture growing flood threats, including increased rainfall and sea level rise.

  • Neptune Flood Research Group's report found almost 10 million houses at risk of flooding aren't in FEMA-designated flood zones, and it says FEMA's maps may be significantly inaccurate.
  • Because many maps date to the 1970s and 1980s, Federal Emergency Management Agency updates them only every seven years, while climate-driven factors increase flood risk faster than maps evolve.
  • In fast-growing metros, the report finds over 211,000 houses built from 2019–2023 in areas not on FEMA maps, leaving many properties exposed.
  • Because areas are labeled low-risk, homeowners may pay less for insurance yet lack sufficient coverage, while builders and local regulators often avoid strict building codes and flood insurance requirements.
  • Adopting private-sector systems could help the Federal Emergency Management Agency update and expand flood maps to better cover cities and expanding urban areas, improving speed and accuracy.
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FEMA Flood Maps Omit Millions of High-Risk Homes, Report Says

A new study finds that many homeowners face a higher flood risk than they expect due to inaccurate FEMA flood maps. Learn more.

·Missoula, United States
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Bias Distribution

  • 43% of the sources lean Left, 43% of the sources are Center
43% Center

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Business Wire broke the news in Crystal River, United States on Tuesday, December 16, 2025.
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