One of the challenges facing coastal zone managers and municipal planners is the development of an objective, quantitative assessment of the risk to structures, infrastructure, and public safety that coastal communities face from storm surge in the presence of changing climatic conditions, particularly sea level rise and coastal erosion. Here we use state of the art modeling tool (ADCIRC and STWAVE) to predict storm surge and wave, combined with shoreline change maps (erosion), and damage functions to construct a Coastal Environmental Risk Index (CERI). Access to the state emergency data base (E-911) provides information on structure characteristics and the ability to perform analyses for individual structures. CERI has been designed as an on line Geographic Information System (GIS) based tool, and hence is fully compatible with current flooding maps, including those from FEMA. The basic framework and associated GIS methods can be readily applied to any coastal area. The approach can be used by local and state planners to objectively evaluate different policy options for effectiveness and cost/benefit. In this study, CERI is applied to RI two communities; Charlestown representing a typical coastal barrier system directly exposed to ocean waves and high erosion rates, with predominantly low density single family residences and Warwick located within Narragansett Bay, with more limited wave exposure, lower erosion rates, and higher residential housing density. Results of these applications are highlighted herein.

Flood Insurance Rate Maps (FIRMs) are developed by the Federal Emergency Management Agency (FEMA) to provide guidance in establishing the risk to structures and infrastructure in the coastal zone from storm surge and coincidental waves. The maps are used by state agencies and municipalities to help guide coastal planning and establish the minimum elevation standard for new or substantially improved structures. A summary of the methods used and results of 2012 FIRM mapping are presented for Charlestown, RI; a coastal community located along the exposed, southern shoreline of the state. Concerns with the methods used in the 2012 analysis are put in context with the National Research Council’s (NRC) 2009 review of the FEMA coastal mapping program. New mapping is then performed using state of the art, fully coupled surge and wave modeling and data analysis methods to address the concerns in the NRC review. The new maps and methodologies are in compliance with FEMA regulations and guidelines. The approach makes extensive use of the numerical modeling results from the recent US Army Corp of Engineers (USACE), North Atlantic Coast Comprehensive Study (NACCS 2015). Revised flood maps are presented and compared with the 2012 FIRM map to provide insight into the differences. The new maps highlight the importance of developing better estimates of offshore surge dynamics and its coupling to waves, dune erosion based on local observations, and the advancement in nearshore mapping of waves in flood inundated areas by the use of state of the art, two-dimensional wave transformation models.