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There’s a political storm brewing in Rhode Island, and coastal residences and businesses could be at risk.

At issue is the accuracy of new federal flood maps for Rhode Island adopted by the Federal Emergency Management Agency.

Those maps designate areas that are at risk of flooding. This is particularly important given the threat of hurricanes to Rhode Island.

If the maps say you are outside of a flood zone, your risks of flooding are greatly reduced.

But what if those flood maps are wrong? What if you are told you don’t live in a flood zone, but you do?

That may be precisely the case in Rhode Island. And because of this, Gov. Gina M. Raimondo’s administration is vigorously challenging FEMA regarding the accuracy of its flood maps.

Rhode Island’s Coastal Resources Management Council has told FEMA it believes its new maps underestimate the flood zone on Rhode Island’s south coast. And that underestimation is particularly troubling.

CRMC Executive Director Grover Fugate told FEMA that CRMC studies indicate FEMA has underestimated the flood risk by 3-5 feet on Rhode Island’s south coast.

CRMC faults older technology and older methodology used by FEMA north of New York to determine flood levels, including underestimating wind speed and ocean swells and overestimating beach protection.

FEMA denies the charges but is cooperating with the state on a challenge to its maps through a map-amendments process based on new data.

The issue is not academic. Those who remember Hurricane Sandy in 2012 – what was technically “only” a post-tropical cyclone when it hit Rhode Island – understand the devastation that can be caused by high winds, storm surges and flooding.

The problem is, of course, that map challenges take time, studies must be conducted and evaluated, and agreements reached.

In the interim, those who think they are outside of a flood zone may well have no flood insurance, and most property and casualty insurance does not cover flooding. Should those properties be in a flood zone, and should a major hurricane hit before this controversy is resolved, losses in the state could be devastating.

As state officials push the challenge, we had better hope for sunny weather. •

John M. Boehnert practices real estate and environmental law in Providence.