Government
Retail and E-Commerce
Financial Services
Insurance
Telco
Real Estate
Utilities
Developed with GeoX Analytics
Flood maps tell you where a building sits.
FFE data tells you whether floodwater actually reaches the floor.
That distinction changes everything downstream: premiums, lending decisions, planning, response.
The Gap
Floor height is the missing variable.
Most flood models ignore it entirely, classifying properties across the same flood zone as equal risk regardless of their actual resilience.
The result: over-estimated exposure, inflated premiums, and recovery planning that targets the wrong properties.
The Research
571,000 buildings. One clear finding.
Geoscape partnered with JBA Pacific to model buildings in flood-mapped areas using actual first floor elevation data.
1 in 4
buildings classified “at risk” would not experience habitable floor inundation
~720,000
buildings nationally may carry inaccurate flood risk classifications
What It Means for You
Insurers and lenders
More accurate risk classification. Fairer premiums for low-exposure properties.
Planners and emergency managers
Identify genuinely vulnerable buildings. Target response where it counts
