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Global flood models integrate flood maps of constant probability in space, ignoring the correlation between sites and thus potentially misestimating the risk posed by extreme events. Stochastic flood models alleviate this issue through the simulation of flood events with a realistic spatial structure, yet their proliferation at large scales has historically been inhibited by data quality and computer availability. In this paper, we show, for the first time, the efficacy of modeled river discharge reanalyses in the characterization of flood spatial dependence in the absence of a dense stream gauge network. While global hydrological models may show poor correspondence with absolute observed river flows, we find that the rate at which they can simulate the joint occurrence of relative flow exceedances at two given locations is broadly similar to when a gauge‐based statistical model is used. Evidenced over the United States, flood events simulated using observed gauge data from the U.S. Geological Survey versus those generated using modeled streamflows have similar (i) distributions of site‐to‐site correlation strength, (ii) relationships between event size and return period, and, importantly, (iii) loss distributions when incorporated into a continental‐scale flood risk model. Extremal dependence is generally quantified less accurately on larger rivers, in arid climates, in mountainous terrain, and for the rarest high‐magnitude events. However, local‐scale errors are shown to broadly cancel each other out when combined, producing an unbiased flood spatial dependence model. These findings suggest that building accurate stochastic flood models worldwide may no longer be a distant aspiration. Plain Language Summary: Global flood risk is commonly estimated through flood inundation maps with a defined probability of occurrence. These flood simulations have a key drawback in that they fail to capture the spatial patterns exhibited during real flood events, instead modeling the same probability of flooding on every river at once. Solutions which rely on networks of gauged river flow observations will necessarily break down in the majority of the world's regions which lack such a resource. In this paper, we use historic river flows simulated by global rainfall‐runoff models (rather than observed flows) into a statistical model which captures the spatial correlation of flow extremes. If we examine the relative flow exceedance probabilities from these hydrological models rather than the volumetric flow values, flood events are generated which exhibit similar characteristics to those when gauged flow observations are used. Crucially, the simulation‐ and observation‐generated flood events produce near‐identical losses to buildings in the United States. The implications of this are that true stochastic flood risk models, which account for spatial dependence, can proliferate globally via the generation of realistic flood event sets from hydrological models. Key Points: Large‐scale flood hazard models typically neglect to represent the spatial dependence of real flood eventsRelative flow exceedances simulated by the fusion of global hydrological with statistical models reproduce gauge‐driven flood event setsAt the continental scale, key characteristics of a flood risk model are indistinguishable when driven with observed versus modeled flow data [ABSTRACT FROM AUTHOR]

This study reports a new and significantly enhanced analysis of US flood hazard at 30 m spatial resolution. Specific improvements include updated hydrography data, new methods to determine channel depth, more rigorous flood frequency analysis, output downscaling to property tract level, and inclusion of the impact of local interventions in the flooding system. For the first time, we consider pluvial, fluvial, and coastal flood hazards within the same framework and provide projections for both current (rather than historic average) conditions and for future time periods centered on 2035 and 2050 under the RCP4.5 emissions pathway. Validation against high‐quality local models and the entire catalog of FEMA 1% annual probability flood maps yielded Critical Success Index values in the range 0.69–0.82. Significant improvements over a previous pluvial/fluvial model version are shown for high‐frequency events and coastal zones, along with minor improvements in areas where model performance was already good. The result is the first comprehensive and consistent national‐scale analysis of flood hazard for the conterminous US for both current and future conditions. Even though we consider a stabilization emissions scenario and a near‐future time horizon, we project clear patterns of changing flood hazard (3σ changes in 100 years inundated area of −3.8 to +16% at 1° scale), that are significant when considered as a proportion of the land area where human use is possible or in terms of the currently protected land area where the standard of flood defense protection may become compromised by this time. Plain Language Summary: We develop a method to estimate past, present, and future flood risk for all properties in the conterminous United States whether affected by river, coastal or rainfall flooding. The analysis accounts for variability within environmental factors including changes in sea level rise, hurricane intensity and landfall locations, precipitation patterns, and river discharge. We show that even for a conservative climate change trajectory we can expect locally significant changes in the land area at risk from floods by 2050, and by this time defenses protecting 2,200 km2 of land may be compromised. The complete dataset has been made available via a website (https://floodfactor.com/) created by the First Street Foundation in order to increase public awareness of the threat posed by flooding to safety and livelihoods. Key Points: First complete high‐resolution flood hazard analysis of conterminous US flood risk from all major sources (fluvial, pluvial, and coastal)In validation tests the model achieved Critical Success Index scores of 0.69–0.82, similar to many local custom‐built 2D modelsBy 2050, flood hazard increases for the Eastern seaboard and Western states, but decreases or changes little for the center and South‐West [ABSTRACT FROM AUTHOR]