用可解释的模型实现全国每日暴雨洪灾损失精准预测。

Pluvial (rainfall-driven) flooding accounts for 45% of National Flood Insurance Program (NFIP) claims in the United States and is harder to predict than its riverine and coastal counterparts, with existing approaches limited to coarse resolution, regional domains, or computationally intensive process-based models unsuitable for daily continental-scale use. We present DELUGE, a multimodal deep learning framework for daily pluvial flood damage prediction at ~1 km resolution and national scale, trained on spatially and temporally corrected NFIP claims (2017-2022) and structured around the hazard, exposure, and vulnerability components of disaster risk. Rather than blanket coverage of the Conterminous United States (CONUS), we model the top 100 highest-claim 75 km cells, distributed nationwide and accounting for ~81% of total pluvial flood claims. Our architectural novelty is a pair of parametric modules in the hydrometeorology branch, a Value Modulator and a Temporal Modulator, conditioned on terrain descriptors and AlphaEarth foundation-model embeddings, that expose directly inspectable hydrological response parameters and provide architecture-level interpretability-by-design. Under a spatial block holdout, DELUGE outperforms tuned Random Forest, XGBoost, and LightGBM baselines by 9% to 30% on a dollar-weighted area under the precision-recall curve (PR-AUC), a metric that emphasizes the rare, high-cost claims of greatest operational interest. Beyond DELUGE, we argue this interpretable conditioning scheme is a transferable pattern for integrating foundation-model embeddings into other geospatial prediction tasks.