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Flood management is more and more adopting a risk based approach, whereby flood risk is the product of the probability and consequences of flooding. One of the most common approaches in flood risk assessment is to estimate the damage that would occur for floods of several exceedance probabilities (or return periods), to plot these on an exceedance probability-loss curve (risk curve) and to estimate risk as the area under the curve. However, there is little insight into how the selection of the return-periods (which ones and how many) used to calculate risk actually affects the final risk calculation. To gain such insights, we developed and validated an inundation model capable of rapidly simulating inundation extent and depth, and dynamically coupled this to an existing damage model. The method was applied to a section of the River Meuse in the southeast of the Netherlands. Firstly, we estimated risk based on a risk curve using yearly return periods from 2 to 10 000 yr (€ 34 million p.a.). We found that the overall risk is greatly affected by the number of return periods used to construct the risk curve, with over-estimations of annual risk between 33% and 100% when only three return periods are used. In addition, binary assumptions on dike failure can have a large effect (a factor two difference) on risk estimates. Also, the minimum and maximum return period considered in the curve affects the risk estimate considerably. The results suggest that more research is needed to develop relatively simple inundation models that can be used to produce large numbers of inundation maps, complementary to more complex 2-D–3-D hydrodynamic models. It also suggests that research into flood risk could benefit by paying more attention to the damage caused by relatively high probability floods

How are flood risk estimates affected by the choice of return-periods?