Flood risk maps are essential sources of information for flood risk management (FRM) decisions. Commercial flood models used by the insurance industry are rarely studied in the academic literature which has led to difficulties in understanding their sources of uncertainty and opportunities for improvement. This paper compares regions and residential properties identified as exposed to floods by an insurance industry model and by government authorities responsible for FRM in three Canadian cities. Findings show that the insurance model is identifying substantially greater number of regions and properties as at-risk of flood, and little overlap exists between public and private flood maps. The paper discusses opportunities for data integration and increased data transparency for supporting flood resiliency efforts in Canada.

洪水风险图是洪水风险管理（FRM）决策的重要信息来源。保险业使用的商业洪水模型很少在学术文献中进行研究，这导致难以理解其不确定性来源和改进机会。本文比较了保险业模型和负责加拿大三个城市的FRM的政府机构确定为遭受洪灾的地区和住宅物业。研究结果表明，保险模型将大量地区和财产识别为洪水风险，而公共和私人洪水地图之间几乎没有重叠。本文讨论了数据集成和增加数据透明性的机会，以支持加拿大的防洪工作。