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<p>Flooding in the USA leads to billions of dollars in financial losses annually, with projected increases due to escalating extreme precipitation, population growth and deteriorating flood infrastructure. Federal regulation mandates flood insurance purchase within 100-year coastal and fluvial floodplains. Yet our analysis of millions of federal insurance claims reveals that most flood losses are associated with frequent, low-intensity precipitation events relative to regional climatology, with average regional precipitation return periods of under 5 years. Likewise, precipitation linked to disaster aid and property buyouts has return periods averaging less than 20 years. Using unsupervised learning, we identify that space-time precipitation clusters associated with major storms dominate losses, emphasizing the need for flood risk assessments and mitigation strategies that account for recurrent spatiotemporal compound events. The findings underscore the importance of flood risk management that extends beyond solely coastal and fluvial impacts into pluvial flood preparedness and assessment.</p>

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Financial losses associated with US floods occur with frequent low-return-period precipitation

  • 期刊论文

  • 发表日期：

    2025年9月19日

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  • Adam Nayak,
  • Pierre Gentine,
  • Upmanu Lall

摘要

Flooding in the USA leads to billions of dollars in financial losses annually, with projected increases due to escalating extreme precipitation, population growth and deteriorating flood infrastructure. Federal regulation mandates flood insurance purchase within 100-year coastal and fluvial floodplains. Yet our analysis of millions of federal insurance claims reveals that most flood losses are associated with frequent, low-intensity precipitation events relative to regional climatology, with average regional precipitation return periods of under 5 years. Likewise, precipitation linked to disaster aid and property buyouts has return periods averaging less than 20 years. Using unsupervised learning, we identify that space-time precipitation clusters associated with major storms dominate losses, emphasizing the need for flood risk assessments and mitigation strategies that account for recurrent spatiotemporal compound events. The findings underscore the importance of flood risk management that extends beyond solely coastal and fluvial impacts into pluvial flood preparedness and assessment.