Why are the flood maps so different from the 1981 maps?

While climate change and increased development contribute to the increased flood zones, the main reason is better flood modeling techniques and data than was available in 1981. 

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1. How will the new maps affect my insurance rates?
2. Why are the flood maps so different from the 1981 maps?
3. Will dredging of the flood control channel reduce flood risk?
4. What is the city doing to address the new FEMA maps?
5. What is the schedule for the new maps and mitigation measures?