The study highlights a critical gap in flood risk management, as many areas with high hydrologic susceptibility are not adequately covered by the National Flood Insurance Program. This misalignment could leave vulnerable communities at greater risk of financial and physical harm during flood events. The reliance on outdated or incomplete flood zone maps may lead to underinsurance in high-risk areas and overinsurance in low-risk zones, potentially exacerbating the financial burden on affected households. The findings underscore the need for more accurate risk assessments to ensure equitable and effective flood insurance coverage.