This page includes information related to all of the Flood Risk Products provided by FEMA. Flood Risk Products help community officials and the public view and understand their local flood risk. The Flood Risk Products that may be available to your community are a Flood Risk Map (FRM), Flood Risk Report (FRR) or Flood Risk Database (FRD). These products are non-regulatory resources that supplement the flood hazard information produced by the regulatory Flood Insurance Rate Map (FIRM), Flood Insurance Study (FIS) and FIRM database products. Both the general public and government officials are encouraged to use these free resources to help make better informed decisions about preparing for and mitigating flood loss.
View and Download Your Community’s Flood Risk Products to Better Understand Your Local Flood Risk in One Central Location!
What are Flood Risk Products?
Flood Risk Products go beyond the basic flood hazard information on regulatory flood hazard products. Flood Risk Products provide a deeper and user friendly analysis of flood risks within a Risk MAP Flood Risk Project.
Flood Risk Products help community members and officials view and visualize their local flood risk, allowing communities to make informed decisions about reducing flood loss and mitigating potential damage from flood hazards. These individuals may include property owners, emergency management officials, community planners and developers, real estate and insurance specialists and other professionals and community decision-makers.
What is Included in Flood Risk Products?
Flood Risk Products available through this search tool:
Flood Risk Map (FRM) - The Flood Risk Map depicts flood risk data for a flood risk project area and is typically used to illustrate an overall picture of flood risk for the area. The content and format of individual FRMs may vary among project areas to best represent the local conditions. Typical maps might show the potential flood losses associated with the one-percent annual chance flood event for each census block, areas planned for new or revised maps, key watershed features that affect local flood risk and information about potential or successful past projects to reduce flood risk
Flood Risk Report (FRR) - The Flood Risk Report provides community and watershed specific flood risk information extracted from the Flood Risk Database (FRD), explains the concept of flood risk and identifies useful tools and reference materials. This report, used in combination with Flood Risk Map (FRM), is a good tool for communities to use for raising local flood risk awareness
Flood Risk Database (FRD) - The Flood Risk Database stores all flood risk data for a flood risk project, including the information shown in the Flood Risk Report (FRR) and on the Flood Risk Map (FRM). The Flood Risk Database provides a wealth of data that may be used to analyze, communicate and visualize flood risk on an ad-hoc basis for a variety of uses. Communities are encouraged to use this database to support mitigation efforts and raise awareness. Data in the FRD represents a snapshot-in-time. Data is not updated regularly once the final FRD is posted to the Map Service Center. Elements in the Flood Risk Database can include:
- Changes Since Last Flood Insurance Rate Map shows where the Special Flood Hazard Area (SFHA) has changed since the last effective FIRM
- Areas of Mitigation Interest (AoMI) communicates where conditions have contributed to the severity of flooding losses, allowing for better prioritization of flood mitigation efforts and use of funds
- Flood Depth and Analysis Grids communicate the depth and velocity of floodwaters as well as the probability of an area being flooded over time
- Flood Risk Assessment Data provides an assessment of potential financial consequences and other impacts associated with structures located in a high-risk area known as the Special Flood Hazard Area. This data also enables communities to make informed decisions regarding future land development and community infrastructure
In addition to these standard flood risk datasets, the Flood Risk Database may contain custom flood risk datasets created for the specific project area or even risk datasets related to other hazards. Geographic Information System (GIS) software and specialized skills are required to view the Flood Risk Database and the associated elements.
Are Flood Risk Products Available for All Communities?
The short answer is -- not yet. FEMA produces flood risk products along with regulatory flood map updates. FEMA undertakes a limited number of flood risk projects each year and each of these take several years to complete. As a result, flood risk products are not available in all communities.
If you do not see your area of interest in the search tool’s drop down menus, your community does not have any flood risk products available at this time.
What Are the Benefits of Using Flood Risk Products?
FEMA developed two sets of materials to explain the benefits, features, and potential uses of Flood Risk Products. One set of these “recipe cards” was created for technical audiences. The technical recipe cards provide steps that Geographic Information Systems (GIS) professionals can follow to combine community data with the Flood Risk products to create planning or mitigation tools. The other set of recipe cards summarizes the features, benefits, and potential uses of the Flood Risk Products for those who are not familiar with using GIS.
- The FRP Overview recipe card explains the features, benefits, and potential uses of the Flood Risk Products and datasets.
- The Changes Since the Last Flood Insurance Rate Map (CSLF-FIRM) recipe card shows how this dataset can display new and upcoming changes to floodplains, floodways, flood zones, and Coastal High Hazard Areas in an easy-to-use, color-coded format. The recipe card lists potential uses by property owners, insurance agents, lenders, real estate agents, engineers, elected officials, and community staff. It also includes a sample use: combining CSLF data with community building data in ArcGIS to identify the properties in areas newly designated as a floodplain, floodway, or Coastal High Hazard Area.
- The Water Surface Elevation Grids (WSEL) recipe card explains how the contents of this dataset support FEMA’s regulatory products -- Flood Insurance Rate Maps and Flood Insurance Studies -- by displaying point-and-click flood elevations throughout the floodplain. The card lists potential uses by property owners, insurance agents, lenders, real estate agents, engineers, elected officials, and community staff. For example, it shows how depth grids can be combined with community structure data in ArcGIS to determine the base flood elevations at various structures.
- The Depth Grids recipe card explains what is in this dataset and why it is so important. It lists potential uses by property owners, insurance agents, lenders, real estate agents, engineers, elected officials, and community staff. It provides an example of combining depth grids with community building data in ArcGIS to identify the depth of flooding at structures throughout the community, to use for planning flood mitigation projects where they are needed most.
How Can I Use Flood Risk Products to Support Hazard Mitigation Planning?
State, tribal, territories and local governments engage in hazard mitigation planning to identify risks and vulnerabilities associated with natural disasters, and develop long-term strategies for protecting people and property from future hazard events. Hazard mitigation planning teams can use Flood Risk Products to improve the ways in which flood risk is quantified and communicated to meet the mitigation planning requirement. Using Flood Risk Products in Hazard Mitigation Planning walks the user through how each flood risk product can be applied to help meet the mitigation planning requirements published in the Code of Federal Regulations (44 CFR Section 201.6 - Local Mitigation Plans).
What is the Difference Between Risk MAP Flood Risk Products and Regulatory Flood Hazard Products?
Unlike regulatory (Flood Insurance Rate Map, the FIRM database, Flood Insurance Study) flood hazard products within the Map Service Center, Flood Risk Products are not intended to be used as the basis for official actions required by the National Flood Insurance Program. The NFIP actions include determining mandatory insurance purchase requirements for a property or determining the insurance rate for a property or enforcing minimum building standards for construction in a floodplain. These products work alongside regulatory products to provide additional flood risk information and to support a community’s overall floodplain management and hazard mitigation strategies and plans.
Flood Insurance Rate Map (FIRM) vs. Flood Risk MAP (FRM):
- A Flood Insurance Rate Map is the official map of a community that shows special flood hazard areas (SFHA) and the risk premium zones applicable to a community. A FIRM has undergone formal due-process and is published as the legal document for flood insurance rates.
- A Flood Risk Map provides a graphical overview of the flood risk project area. The objective of the FRM is to summarize the notable flood risks within the project area and present this data within one large map.
Flood Insurance Study (FIS) Report Vs. Flood Risk Report (FRR):
- A Flood Insurance Study Report is a compilation and presentation of flood risk data for specific watercourses, lakes and coastal flood hazard areas within a community. When a flood study is completed for the National Flood Insurance Program, the information and maps are assembled into an Flood Insurance Study. The FIS report contains detailed flood elevation data in flood profiles and data tables.
- A Flood Risk Report provides a summary of flood hazard and risk exposure to a community. In conjunction with the FIS report, the Flood Risk Report explains in detail the flood risk assessment methodology and results of a Flood Insurance Rate Map.
FIRM Database Vs. Flood Risk Database (FRD)
- A FIRM Database is a Geographic Information Systems (GIS) version of the FIRM and most of the quantitative data in the Flood insurance Study.
- A Flood Risk Database parallels the FIRM database. The FRD stores all flood risk data for a flood risk project, including the information shown in the Flood Risk Report (FRR) and on the Flood Risk Map (FRM). The Flood Risk Database provides a wealth of data that may be used to analyze, communicate and visualize flood risk on an ad-hoc basis for a variety of uses. Communities are encouraged to use this database to support mitigation efforts and raise awareness.