The outdated and incomplete nature of FEMA's flood maps poses significant risks to homeowners and communities. Properties outside the SFHA may unknowingly face high flood risks, leading to inadequate insurance coverage and insufficient flood mitigation measures. This lack of awareness can result in severe financial and safety consequences during flood events. Furthermore, the reliance on historical data fails to account for the increasing frequency and intensity of flooding due to climate change, leaving communities unprepared for future risks. Vulnerable populations, including low-income and minority households, are disproportionately affected, as they often lack the resources to access or act on flood risk information.