While FEMA has improved the accuracy and accessibility of the maps over time with better data, digital tools and community input, the maps still don't capture everything.

Even a small amount of water inside a home can cause costly damage. Here’s how to assess your flood risk and what to do if you’re in the danger zone.

FEMA is anticipated to open a 90-day public appeal and comment period in the winter where property owners can formally challenge the flood zone designation but they must provide scientific or technical data to back up their request.