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Increasing flood losses in the Gulf of Mexico related to development patterns and climate hazards pose serious threats to resilience and insurability. The purpose of this study is to understand how scale, social vulnerability, risk, and urban form relate to National Flood Insurance Program (NFIP) policy coverage and flood exposure. Our multilevel models identify that flooding is significantly clustered by region and counties, especially shoreline counties. Our measures of risk suggest that the Federal Emergency Management Agency (FEMA) special flood hazard area (SFHA) underestimates risk and exposure when compared with the Flood Factor and that there is some compensation in terms of insurance coverage, suggesting a pattern of adverse selection. Older housing stock appears both less insured and less exposed, raising questions of whether current growth patterns are increasing risk independent of environmental change. Our models suggest that census tracts with higher percentages of black residents are less insured and more exposed, and a similar pattern exists for rural areas. Our results highlight the need to seek common solutions across the Gulf of Mexico, concentrating on the most flood-exposed counties, and that specific resilience strategies may be necessary to protect areas with socially vulnerable populations, especially in rural areas. Underlying challenges exist due to the spatial relationship between exposure and social vulnerability and the potential for adverse selection in insurance markets due to different measures of risk. [ABSTRACT FROM AUTHOR]

Multi-scalar climate hazards in watersheds and growing consideration regarding equity call for innovation in how agencies evaluate and prioritize mitigation and adaptation projects. Benefit–Cost Analysis (BCA) is one approach that is increasingly being applied to decision-making (i.e., FEMA BCA toolkit), but that has not been applied to watershed and equity-based flood management initiatives. This paper addresses this topic and presents a case study evaluating projects for watershed flood and climate mitigation projects by the Louisiana Watershed Initiative (Louisiana, USA). Through semi-structured interviews with stakeholders and practitioners, we found that BCA tool design must be embedded in the program and policy in order to be successfully applied and that equity has not traditionally been a core value of mitigation practice. Even though many stakeholders understand the need for incorporating environmental and social project consequences at a watershed scale, challenges to doing so include inequitable barriers to project design in competitive processes, the complexity of integrating modeling and environmental outcomes data, jurisdictional interests, and the need for better science communication with local decision-makers. [ABSTRACT FROM AUTHOR]