A 100-year flood, like a 100-year storm, is one so severe it has only a 1% chance of hitting in any given year.

Unfortunately, many people believe that if they experienced a 100-year flood this year, they will not see another one like it for 99 years.

It just doesn't work that way. In reality, the chance of being flooded next year, and the year after that, is the same as it was when the house flooded the first time—1%.

One percent is the same as a 1-in-100 chance. Hence, the shorthand: 100-year flood. The Federal Emergency Management Agency uses that measure when it draws flood plain maps—the maps that show which areas are most likely to be flooded and that insurers use when they set rates.

Because of the confusion, many flood plain managers want to do away with the term "100-year flood," but that creates another problem. People generally do not have a good sense of risk as expressed as a probability, especially when that probability appears small. Look no farther than COVID-19, where about half the U.S. population was not concerned about a 1% chance of dying from infection while hundreds of people in the country were dying from it every day.

Why knowing flood risk matters

A better way to understand the risk is to think about a home with a 30-year mortgage.

What's the minimum risk of a home being flooded over 30 years if it's in a 100-year flood plain? At least 26%, since we're looking over a longer period and there's not a guarantee of seeing a 100-year storm. Given that homes tend to be the biggest investment most Americans make, that probability may cause people to think about buying flood insurance.

In some cases, the risks are even higher. Since some homes sit lower than their neighbors, risk in a 100-year flood plain isn't consistent across the entire area. A homebuyer might consider their choice more carefully if the property actually has a 50% chance of flooding over 30 years. At some point, we'll have better tools to easily assign risk home by home.

Why are there so many 100-year floods now?

With climate change, the flood risk can grow over time with stronger storms and heavier rainfall.

For example, an update of rainfall statistics for the Austin, Texas, area led an expansion of the 100-year flood plain to cover more of what had been considered 500-year flood plain. A 500-year flood plain suggests a 0.2% chance of flooding, meaning thousands of people faced far greater risk than they realized.

Flood plain statistics can be confusing, and that confusion can be deadly. Developing better tools to estimate flood risk and finding better ways to talk about that risk can better inform people of the actual risks.

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