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To help communities understand their risk, FEMA creates Flood Insurance Rate Maps (also known as FIRMs) to show areas of high-risk, moderate- to low-risk and undetermined-risk.
FEMA conducts a Flood Insurance Study and uses this data to create the flood hazard maps.
Flood risk can and does change over time. FEMA frequently updates flood hazard maps.
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U.S. Department of Homeland Security