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The report examines the intersection of flood risk transparency and social equity in Canada, arguing that current practices in mapping, disclosure, and risk-based pricing often marginalize vulnerable populations. It highlights how systemic inequalities, such as the forced relocation of Indigenous communities to floodplains, increase climate vulnerability. The authors propose a transition toward 'transformational adaptation' through inclusive mapping, standardized disclosure laws for renters and buyers, and affordable, public insurance programs that support strategic retreat rather than just rebuilding in high-risk areas.

The report examines the intersection of flood risk transparency and social equity in Canada, arguing that current practices in mapping, disclosure, and pricing often disproportionately disadvantage marginalized communities. It highlights gaps in map availability for rural and remote areas, ambiguities in real estate disclosure, and the risk of 'bluelining' or 'degentrification' where equity-deserving groups are trapped in high-risk areas due to financial constraints. The authors recommend accelerating co-developed flood mapping, standardizing disclosure requirements for rentals and real estate, and implementing affordability assessments in the forthcoming national public flood insurance program to support just climate adaptation.