That’s simplifying it a bit. It wasn’t particularly accurate because it didn’t really take into account the fire-proofing that people had done to their properties while insurance companies were planning to use it to set rates. It wasn’t meant to be used the way it was.
The map was a public acknowledgement of the problem. It turns it out people in affected areas don’t want to acknowledge the problem.
That’s simplifying it a bit. It wasn’t particularly accurate because it didn’t really take into account the fire-proofing that people had done to their properties while insurance companies were planning to use it to set rates. It wasn’t meant to be used the way it was.
A map isn’t going to take into account and individual building’s fire resistance. Also, it isn’t like insurers didn’t have their own internal maps.