Physical Risk
Flood Zone Encroachment Analysis
Parcels on trajectory to enter FEMA Zone AE — projected encroachment horizon in years, derived from subsidence velocity, LiDAR ground elevation, and BFE contours.
About this product
Current FEMA flood maps are static — they reflect zone boundaries as of their last revision date. This analysis asks a different question: given measured ground subsidence rates and current freeboard, which parcels are on trajectory to enter Zone AE before a 15- or 30-year obligation matures?
Three independently-sourced layers underlie each parcel's projected horizon: satellite-measured ground subsidence velocity, LiDAR-derived ground elevation and freeboard depth, and FEMA Base Flood Elevation contours. The output is a single number per parcel: years until Zone AE entry at the current subsidence rate — a risk conclusion, not a raw measurement.
Relevant to any institution with 15–30 year obligations in the region: mortgage originators, bond insurers, flood insurance underwriters, and municipal planners modeling infrastructure service life.
Buyers
- → Mortgage lenders underwriting long-term purchase loans
- → Bond insurers and GSEs with long-dated collateral exposure
- → Flood insurance underwriters (NFIP and private market)
- → Municipal planning and infrastructure departments
Delivery
- ·CSV or GeoJSON, parcel-level for at-risk parcels only
- ·Can be delivered as full dataset or filtered by horizon threshold
- ·Coverage concentrated in parcels with Zone AE BFE contours; Zone X parcels are excluded (by definition they have no BFE reference point for encroachment calculation)
- ·Quarterly refresh aligned to subsidence and LiDAR update cadence
Dataset Fields