FEMA maps didn't prepare N.C. homeowners for Helene; some think flood insurance model needs an overhaul

Some homes became part of mudslides and slid into Helene's
racing, torrential waters. (WHAS ABC photo via youtube)

The Federal Emergency Management Agency's flood maps don't include heavy rain and other water sources that put certain areas at risk. In regions of North Carolina, the agency's omissions left many homebuyers unaware and uninsured against the ravages of Hurricane Helene, report Kevin Crowe, Shannon Osaka and John Muyskens of The Washington Post.

The Post used an "analysis of flood risk data from First Street, a climate modeling group, and found that just 2% of properties in the mountainous counties of western North Carolina fall inside areas marked as having a special risk of flooding. . . . (a) designation, which compels homeowners to buy flood insurance if they want to get a federally backed mortgage."

Experts have long warned that FEMA's maps are lagging behind science and current weather trends, but communities often balk at mapping changes. "Local officials often resist changes that show their areas more at risk, because the designation comes with extra costs," the Post reports. "Once an area is designated in the special flood zone, buildings have to follow more stringent federal guidelines." Some experts are pushing to have the entire federal flood insurance model overhauled.

FEMA's maps underestimate flood risk because the agency fails "to take into account flooding from heavy rain, small streams and tributaries, or climate change’s future impact — and can fall short when assessing current risks in a wetter, hotter world," the Post reports. When a region's topography and current climate threats are not figured into risk equations, homebuyers are left unknowingly vulnerable to flooding.

"In Buncombe County, where rising waters swamped areas like Asheville and Swannanoa, First Street’s maps show a much larger area of flood risk than the FEMA maps do," the Post article explains. "About 2,100 properties out of about 125,000 in the county are in FEMA’s flood zone, compared with 19,500 under First Street’s model."