This study reports a new and significantly enhanced analysis of US flood hazard at 30 m spatial resolution. Specific improvements include updated hydrography data, new methods to determine channel depth, more rigorous flood frequency analysis, output downscaling to property tract level, and inclusion of the impact of local interventions in the flooding system. For the first time, we consider pluvial, fluvial, and coastal flood hazards within the same framework and provide projections for both current (rather than historic average) conditions and for future time periods centered on 2035 and 2050 under the RCP4.5 emissions pathway. Validation against high-quality local models and the entire catalog of FEMA 1% annual probability flood maps yielded Critical Success Index values in the range 0.69-0.82. Significant improvements over a previous pluvial/fluvial model version are shown for high-frequency events and coastal zones, along with minor improvements in areas where model performance was already good. The result is the first comprehensive and consistent national-scale analysis of flood hazard for the conterminous US for both current and future conditions. Even though we consider a stabilization emissions scenario and a near-future time horizon, we project clear patterns of changing flood hazard (3σ changes in 100 years inundated area of −3.8 to +16% at 1° scale), that are significant when considered as a proportion of the land area where human use is possible or in terms of the currently protected land area where the standard of flood defense protection may become compromised by this time. Plain Language Summary We develop a method to estimate past, present, and future flood risk for all properties in the conterminous United States whether affected by river, coastal or rainfall flooding. The analysis accounts for variability within environmental factors including changes in sea level rise, hurricane intensity and landfall locations, precipitation patterns, and river discharge. We show that even for a conservative climate change trajectory we can expect locally significant changes in the land area at risk from floods by 2050, and by this time defenses protecting 2,200 km 2 of land may be compromised. The complete dataset has been made available via a website (https://floodfactor.com/) created by the First Street Foundation in order to increase public awareness of the threat posed by flooding to safety and livelihoods. BATES ET AL.

Current estimates of global flood exposure are made using datasets that distribute population counts homogenously across large lowland floodplain areas. When intersected with simulated water depths, this results in a significant mis-estimation. Here, we use new highly resolved population information to show that, in reality, humans make more rational decisions about flood risk than current demographic data suggest. In the new data, populations are correctly represented as risk-averse, largely avoiding obvious flood zones. The results also show that existing demographic datasets struggle to represent concentrations of exposure, with the total exposed population being spread over larger areas. In this analysis we use flood hazard data from a ~90 m resolution hydrodynamic inundation model to demonstrate the impact of different population distributions on flood exposure calculations for 18 developing countries spread across Africa, Asia and Latin America. The results suggest that many published large-scale flood exposure estimates may require significant revision.

In this paper we seek to understand the nature of flood spatial dependence over the conterminous United States. We extend an existing conditional multivariate statistical model to enable its application to this large and heterogenous region and apply it to a 40‐year data set of ~2,400 U.S. Geological Survey gauge series records to simulate 1,000 years of U.S. flooding comprising more than 63,000 individual events with realistic spatial dependence. A continental‐scale hydrodynamic model at 30 m resolution is then used to calculate the economic loss arising from each of these events. From this we are able to compute the probability that different values of U.S. annual total economic loss due to flooding are exceeded (i.e., a loss‐exceedance curve). Comparing these data to an observed flood loss‐exceedance curve for the period 1988–2017 shows a reasonable match for annual losses with probability below 10% (e.g., >1 in 10‐year return period). This analysis suggests that there is a 1% chance of U.S. annual fluvial flood losses exceeding $78Bn in any given year, and a 0.1% chance of them exceeding $136Bn. Analysis of the set of stochastic events and losses yields new insights into the nature of flooding and flood risk in the United States. In particular, we confirm the strong relationship between flood affected area and event peak magnitude, but show considerable variability in this relationship between adjacent U.S. regions. The analysis provides a significant advance over previous national flood risk analyses as it gives the full loss‐exceedance curve instead of simply the average annual loss.

Current flood risk mapping, relying on historical observations, fails to account for increasing threat under climate change. Incorporating recent developments in inundation modelling, here we show a 26.4% (24.1–29.1%) increase in US flood risk by 2050 due to climate change alone under RCP4.5. Our national depiction of comprehensive and high-resolution flood risk estimates in the United States indicates current average annual losses of US$32.1 billion (US$30.5–33.8 billion) in 2020’s climate, which are borne disproportionately by poorer communities with a proportionally larger White population. The future increase in risk will disproportionately impact Black communities, while remaining concentrated on the Atlantic and Gulf coasts. Furthermore, projected population change (SSP2) could cause flood risk increases that outweigh the impact of climate change fourfold. These results make clear the need for adaptation to flood and emergent climate risks in the United States, with mitigation required to prevent the acceleration of these risks.

Abstract. This paper presents DECIPHeR (Dynamic fluxEs and ConnectIvity for Predictions of HydRology), a new model framework that simulates and predicts hydrologic flows from spatial scales of small headwater catchments to entire continents. DECIPHeR can be adapted to specific hydrologic settings and to different levels of data availability. It is a flexible model framework which includes the capability to (1) change its representation of spatial variability and hydrologic connectivity by implementing hydrological response units in any configuration and (2) test different hypotheses of catchment behaviour by altering the model equations and parameters in different parts of the landscape. It has an automated build function that allows rapid set-up across large model domains and is open-source to help researchers and/or practitioners use the model. DECIPHeR is applied across Great Britain to demonstrate the model framework. It is evaluated against daily flow time series from 1366 gauges for four evaluation metrics to provide a benchmark of model performance. Results show that the model performs well across a range of catchment characteristics but particularly in wetter catchments in the west and north of Great Britain. Future model developments will focus on adding modules to DECIPHeR to improve the representation of groundwater dynamics and human influences.