UNC study sees flooding outside NC high-risk areas. Can AI reveal blind spots? - Insurance News | InsuranceNewsNet

InsuranceNewsNet — Your Industry. One Source.™

Sign in
  • Subscribe
  • About
  • Advertise
  • Contact
Home Now reading Property and Casualty News
Topics
    • Advisor News
    • Annuity Index
    • Annuity News
    • Companies
    • Earnings
    • Fiduciary
    • From the Field: Expert Insights
    • Health/Employee Benefits
    • Insurance & Financial Fraud
    • INN Magazine
    • Insiders Only
    • Life Insurance News
    • Newswires
    • Property and Casualty
    • Regulation News
    • Sponsored Articles
    • Washington Wire
    • Videos
    • ———
    • About
    • Advertise
    • Contact
    • Editorial Staff
    • Newsletters
  • Exclusives
  • NewsWires
  • Magazine
  • Newsletters
Sign in or register to be an INNsider.
  • AdvisorNews
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Exclusives
  • INN Magazine
  • Insurtech
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Video
  • Washington Wire
  • Life Insurance
  • Annuities
  • Advisor
  • Health/Benefits
  • Property & Casualty
  • Insurtech
  • About
  • Advertise
  • Contact
  • Editorial Staff

Get Social

  • Facebook
  • X
  • LinkedIn
Newswires
Property and Casualty News RSS Get our newsletter
Order Prints
July 15, 2025 Property and Casualty News
Share
Share
Tweet
Email

UNC study sees flooding outside NC high-risk areas. Can AI reveal blind spots?

Amber Hazzard, The News & Observer (Raleigh)News & Observer

Using flood insurance claims isn’t enough to capture the true scale of building flooding and can mislead about future risks, UNC-Chapel Hill researchers say.

But adding many other factors, with local topography and building density included, produces a more accurate picture, they have concluded.

Doing that to estimate how many Eastern North Carolina buildings flooded during 78 events between 1996 and 2020, they counted twice the number of National Flood Insurance Program claims filed after the events.

They also estimated that 43% of flooded buildings were located beyond FEMA-designated high-risk zones, where flood insurance is mandatory.

During a time when flooding is regularly battering North Carolina, the scientists say they hope their research will be useful to help people better understand risks and protect their property.

“Not all places that flood are mapped or regulated from a regulatory standpoint,” Antonia Sebastian, an assistant professor in the Department of Earth, Marine and Environmental sciences at UNC-Chapel Hill, said in an interview.

Sebastian was among the authors of an article about the research published this week in the scientific journal Earth’s Future.

Using AI to better estimate past flooding

The research group used machine learning, an artificial intelligence process that finds and applies patterns in data, to model recreations of 78 previously unmapped flood events in Eastern North Carolina — including in Raleigh, Fayetteville, New Bern and Wilmington.

The model concluded that 90,000 buildings flooded at least once, with 35% of them being residential buildings that were outside FEMA’s designated high-risk areas. They estimate 9% of residential buildings that flooded more than once were outside of high-risk areas.

“It allows us to model a lot more floods a lot more quickly, and that gives us a better picture of previous flooding in the state and really how much repetitive flooding has happened,” said Helena Garcia, lead author and PhD candidate in the Environment, Ecology and Energy Program.

They used the information generated by their model to create a publicly available database called the Flood Extent Archive.

“The piece of this that’s really novel is that this is a very unique data set, that is this high spatial and temporal resolution, that’s going to enable us to answer a lot of questions we’ve had and haven’t been able to get answers to,” Sebastian said.

A better way to see flood risks?

Floodplains or areas next to rivers and streams are most at-risk for repeated flooding because they are flat and close to water. However, these characteristics also make floodplains an ideal place to put buildings, roads and airports.

In North Carolina, local governments are responsible for permitting and enforcing floodplain regulations to ensure safety, according to the North Carolina Division of Emergency Management.

Homeowners can further protect themselves by purchasing flood insurance. This is required for homeowners in floodplains with federally backed mortgages, Sebastian said.

FEMA offers a National Flood Insurance Program (NFIP) for these high-risk areas, which they define as having a 1% likelihood of flooding in any given year. This is also known as the 100-year flood estimate. For example, coastal areas like the outer banks are considered high-risk.

These estimates are partially based on historical flooding data, which is often insufficient when trying to characterize the area exposed and changes in exposure and vulnerability over time, according to the study.

Scientists commonly use river gauges that measure water levels and satellites to determine flooding. However, river gauges are few and far between and clouds may cover satellites, causing researchers to miss information about where it floods, Sebastian said.

”There is just very little information out there on how frequently it floods and what all floods when it floods,” Sebastian said. “There’s a lot of attention given to events like [Hurricanes] Florence and Matthew and now Helene… But there are a lot of events that occur sort of in an in-between space that matter for people.”

The new model helped capture these in-between events by using insurance data from the NFIP, showing individual buildings that filed flood claims, then using additional data to predict flooding in neighboring properties without NFIP claims, Sebastian said.

More Chantals in our future: Climate change will likely increase storms, flooding

©2025 Raleigh News & Observer. Visit newsobserver.com. Distributed by Tribune Content Agency, LLC.

Older

PSH faces uncertainty amidst federal budget cut bill

Newer

Michigan health insurers seek more double digit rate hikes for 2026

Advisor News

  • Global economic growth will moderate as the labor force shrinks
  • Estate planning during the great wealth transfer
  • Main Street families need trusted financial guidance to navigate the new Trump Accounts
  • Are the holidays a good time to have a long-term care conversation?
  • Gen X unsure whether they can catch up with retirement saving
More Advisor News

Annuity News

  • Pension buy-in sales up, PRT sales down in mixed Q3, LIMRA reports
  • Life insurance and annuities: Reassuring ‘tired’ clients in 2026
  • Insurance Compact warns NAIC some annuity designs ‘quite complicated’
  • MONTGOMERY COUNTY MAN SENTENCED TO FEDERAL PRISON FOR DEFRAUDING ELDERLY VICTIMS OF HUNDREDS OF THOUSANDS OF DOLLARS
  • New York Life continues to close in on Athene; annuity sales up 50%
More Annuity News

Health/Employee Benefits News

  • Council insurance bid to be discussed at Monday meeting
  • 'We have failed': Murkowski, Sullivan call for compromise after Democratic proposal to extend health care subsidies stalls
  • New Findings on Mental Health Diseases and Conditions Discussed by Researchers at Community Care Behavioral Health Organization (Effectiveness of Value-Based Payment and Assertive Community Treatment to Reduce Psychiatric Hospitalizations): Mental Health Diseases and Conditions
  • Findings from Dartmouth College Geisel School of Medicine Has Provided New Information about Managed Care (The association between local hospital segregation and hospital quality for medicare enrollees): Managed Care
  • Congress stalls on health insurance subsidies, Idahoans have week to enroll on exchange
Sponsor
More Health/Employee Benefits News

Life Insurance News

  • PROMOTING INNOVATION WHILE GUARDING AGAINST FINANCIAL STABILITY RISKS ˆ SPEECH BY RANDY KROSZNER
  • Life insurance and annuities: Reassuring ‘tired’ clients in 2026
  • Reliance Standard Life Insurance Company Trademark Application for “RELIANCEMATRIX” Filed: Reliance Standard Life Insurance Company
  • Jackson Awards $730,000 in Grants to Nonprofits Across Lansing, Nashville and Chicago
  • AM Best Affirms Credit Ratings of Lonpac Insurance Bhd
More Life Insurance News

- Presented By -

Top Read Stories

More Top Read Stories >

NEWS INSIDE

  • Companies
  • Earnings
  • Economic News
  • INN Magazine
  • Insurtech News
  • Newswires Feed
  • Regulation News
  • Washington Wire
  • Videos

FEATURED OFFERS

Slow Me the Money
Slow down RMDs … and RMD taxes … with a QLAC. Click to learn how.

ICMG 2026: 3 Days to Transform Your Business
Speed Networking, deal-making, and insights that spark real growth — all in Miami.

Your trusted annuity partner.
Knighthead Life provides dependable annuities that help your clients retire with confidence.

Press Releases

  • SandStone Insurance Partners Welcomes Industry Veteran, Rhonda Waskie, as Senior Account Executive
  • Springline Advisory Announces Partnership With Software And Consulting Firm Actuarial Resources Corporation
  • Insuraviews Closes New Funding Round Led by Idea Fund to Scale Market Intelligence Platform
  • ePIC University: Empowering Advisors to Integrate Estate Planning Into Their Practice With Confidence
  • Altara Wealth Launches as $1B+ Independent Advisory Enterprise
More Press Releases > Add Your Press Release >

How to Write For InsuranceNewsNet

Find out how you can submit content for publishing on our website.
View Guidelines

Topics

  • Advisor News
  • Annuity Index
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • From the Field: Expert Insights
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Magazine
  • Insiders Only
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Washington Wire
  • Videos
  • ———
  • About
  • Advertise
  • Contact
  • Editorial Staff
  • Newsletters

Top Sections

  • AdvisorNews
  • Annuity News
  • Health/Employee Benefits News
  • InsuranceNewsNet Magazine
  • Life Insurance News
  • Property and Casualty News
  • Washington Wire

Our Company

  • About
  • Advertise
  • Contact
  • Meet our Editorial Staff
  • Magazine Subscription
  • Write for INN

Sign up for our FREE e-Newsletter!

Get breaking news, exclusive stories, and money- making insights straight into your inbox.

select Newsletter Options
Facebook Linkedin Twitter
© 2025 InsuranceNewsNet.com, Inc. All rights reserved.
  • Terms & Conditions
  • Privacy Policy
  • InsuranceNewsNet Magazine

Sign in with your Insider Pro Account

Not registered? Become an Insider Pro.
Insurance News | InsuranceNewsNet