The findings suggest that many homes outside FEMA-designated flood zones remain vulnerable to flooding, leaving residents unprepared and uninsured. Older homes in poor condition, located in low-lying areas, are particularly at risk. The lack of accurate flood risk assessments can lead to inadequate preparation and recovery efforts, especially in communities with limited resources. This disparity in risk levels within the same neighbourhood underscores the need for more granular data to guide flood mitigation and recovery strategies effectively.