Flooding from Hurricane Beryl swamps a highway running through Houston, July 8, 2024. Reginald Mathalone/NurPhoto/ZUMA

This story was originally published by Grist and is reproduced here as part of the Climate Desk collaboration.

When the Federal Emergency Management Agency spends millions of dollars to help rebuild schools and hospitals after a hurricane, it tries to make the community more resilient than it was before the storm. If the agency pays to rebuild a school or a town hall, for example, it might elevate the building above the floodplain, lowering the odds that it will get submerged again.

That sounds simple enough, but the policy hinges on a deceptively simple question: How do you define “floodplain”? FEMA and the rest of the federal government long defined it as an area that has a 1 percent chance of flooding in any given year. That so-called 100-year floodplain standard, though more or less arbitrary, has been followed for decades—even though thousands of buildings outside the floodplain go underwater every year.

Now FEMA is expanding its definition of the floodplain, following an executive order from President Joe Biden that forced government agencies to tighten rules about how they respond to the increasing risk of floods. In a significant shift, the new standard will require the agency to factor in the impact of climate change on future flood risk when it decides where and how it’s safe to........

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