Triple-I Flood Risk Maps With Expanded Areas Offer A Richer Perspective



The flood risk visualization tool for the Triple-I Resilience Accelerator is being improved with:

Data from the National Flood Insurance Program (NFIP) on “take-up rates” in each American county from 2010 to 2021, differences between take-up rates inside and outside of flood zones, and take-up rates at various proximity to flood zones.

With these upgrades, the Accelerator’s visualization will be able to provide a historical view of how take-up rates have changed over time rather than just focusing on the current year.

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The percentage of persons who are eligible for a specific plan and use it is known as the insurance take-up rate.
In the case of flood insurance, they are determined by dividing the number of active policies by the total number of eligible premises for which insurance can be purchased.


In order to evaluate and enhance communities’ capacity to recover from traumatic occurrences, it is crucial to comprehend flood insurance take-up rates.
According to the NFIP, flooding is a factor in nearly 90% of natural catastrophes in the US, and the flood protection gap has been extensively covered in the media.

Only 30% of homes in the highest-risk locations carry flood insurance on average nationwide, according to the Risk Management and Decision Processes Center at the Wharton School at the University of Pennsylvania, a partner in the Triple-I Resilience Accelerator.
Less than 25% of the homes that Hurricanes Harvey, Sandy, and Irma inundated had insurance.
There is proof of the significant and ongoing lack of flood insurance in the United States following floods, in fact.

However, in order to comprehend that gap to the extent that can allow real action, only NFIP can offer the extensive, detailed data needed.
The data must also be accessible in user-friendly formats.
This is where the Triple-I/NFIP partnership is useful.

When examining take-up rates, it’s important to keep in mind how they’ve changed year over year, whether the rates are broken down by city, county, or state, and if they apply to all homes or just those in flood plains.
The flood map for Triple-Resilience I’s Accelerator will be updated during the first quarter of 2021 with four options for users to visualize:

Annual take-up rates from 2010 to 2018, take-up rates for 2019 based solely on 2018 renewals, take-up rates for 2020 for the entire county and just flood zones, and the percentage of all homes in the county that are close to flood zones.