Systems and method for quantifying flood risk

Abstract

In various embodiments, a flood risk score may be determined for a property point that provides a comprehensive assessment of the property point's risk of flooding. Determining the flood risk score may include determining a flood risk characteristic for the property point and assigning a flood risk score that corresponds to the flood risk characteristic. In some embodiments, flood risk characteristics may include a difference in elevation between the elevation of the property point and an elevation of a calculated point (e.g., on a known flood risk zone boundary). Flood risk characteristics may also include a flood zone determination for the property point and/or proximity of the property point to a known flood risk zone boundary or a flood source. In some embodiments, flood risk scores may be provided on flood risk score reports.

1 . (canceled) 
     
     
         2 . A system comprising:
 a non-transitory data storage configured to store flood risk data therein; and   a computer system configured to access the non-transitory data storage, the computer system including processing circuitry programmed to   determine a flood risk zone associated with a property area by analyzing flood map data;   determine a proximity of property area to a flood risk zone boundary, a flood source, or a water control facility by analyzing the flood map data, a hydrology dataset, and an elevation dataset;   automatically calculate a flood risk score based at least in part on the flood risk zone and proximity of property area to the flood risk zone boundary, a flood source, or a water control facility;   store in the physical data storage the calculated flood risk score; and   produce and display an interactive web page that includes a map of real properties and an indication of the flood risk score in association with at least one of the real properties.   
     
     
         3 . The system of  claim 2 , wherein the property area comprises a property point. 
     
     
         4 . The system of  claim 2 , wherein the flood risk score is further calculated based on a property elevation associated with the property area. 
     
     
         5 . The system of  claim 4 , wherein the flood risk score is further calculated based on a variance between the property elevation and a flood elevation associated with the property area. 
     
     
         6 . The system of  claim 5 , wherein the variance comprises a difference in elevation between the property elevation of the property area and a water surface elevation of a calculated point on a flood plain boundary, wherein the calculated point is determined through a radius search for a substantially nearest point on the substantially nearest flood plain boundary. 
     
     
         7 . The system of  claim 5 , wherein the variance comprises a difference in elevation between the property elevation of the property area and an elevation of a substantially nearest point in a substantially nearest known flood risk zone boundary. 
     
     
         8 . The system of  claim 7 , wherein the known flood risk zone boundary is a Special Flood Hazard Area (SFHA). 
     
     
         9 . The system of  claim 2 , wherein the flood risk score is further calculated based on at least one of potential coastal surge flooding, a frequency of alluvial fan flooding experienced by the property area, or whether the property area is in a community within a given class of the National Flood Insurance Program's (NFIP) Community Rating System (CRS).