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markodochartaigh

(4,940 posts)
1. First Street uses different data than FEMA.
Sun Dec 28, 2025, 04:51 PM
8 hrs ago

Maps may be similar or different. Definitely look up your address, or especially the address of a house that you are planning to buy, on both platforms. Lenders may use either or both. Also First Street assesses fire, wind, air, and heat. No map is perfect. First Street seems to use total days above 90° or so. My house 15 miles from the ocean in Florida is hotter than my Dallas house by that metric. But in Florida for at least six months the afternoon heat is cooled by showers after a few hours. In Dallas I remember 12-16 hours above 90° for months on end.


https://firststreet.org/research-library/understanding-fema-flood-maps-and-limitations

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