Flood-Triggering Rainfall and Potential Losses—The Copula-Based Approach on the Example of the Upper Nysa Kłodzka River

: Floods are natural phenomena, inextricably related to river regimes, which can threaten human health and life, the environment, cultural heritage, economic activity and infrastructure. The aim of the research is to assess the connection between rainfall and river ﬂood risk. The proposed methodology is presented on the example of the upper Nysa Kłodzka River (NKR) catchment and Kłodzko town located on NKR, which are two of the most ﬂood-prone areas in the Odra River basin. The methodology is based on the well-established methods of potential ﬂood losses (PFL) estimation and the copula-based model, allowing an assessment of connections between rainfall and ﬂood losses in a probabilistic way. The results are presented using the ‘synchronicity’ measure. Seventeen signiﬁcant summer (rainfall-driven) ﬂood waves were selected, for which PFL were estimated and cumulative rainfall was calculated for 24, 48, 72, 96 and 120 h preceding the ﬂood peak. It was found that the synchronicity of PFL and the 24 h rainfall was the lowest among the analyzed variants, while for the 48 to 120 h rainfall the highest synchronicity was identiﬁed at precipitation gauge Podzamek.


Introduction
Floods are natural phenomena inextricably related to river regimes.In general, they are responses to increased water supply due to precipitation or snow and ice melts.Floods play a significant role in environment functioning; they are even essential for certain ecosystems.For centuries, floodplains and river valleys were also chosen by humans to build their settlements due to their water-resources availability, fertile soil, and relatively flat terrain, or for military purposes.However, sometimes, proximity to rivers turns from a blessing into a curse, because floods can be of extreme proportions and be catastrophic in their consequences.They can threaten human health and life, the environment, cultural heritage, economic activity and infrastructure [1,2].Extreme floods cannot be avoided; thus, the risk of their occurrence should be a part of rational water management and governance [3,4], especially in the context of climate change [5].
What is more, recent times can be taken as an exceptionally flood-rich period in terms of the timing of flood occurrences, their magnitudes and their spatial extent in Europe [6,7].For last 150 years in Europe, there has been an increase in the area inundated by floods; however, this has been accompanied by a relative (to the demographic and economic growth) reduction in fatalities and economic losses [8].There is evidence that climate change will make extreme hydrological events in Europe more frequent and adverse [9][10][11][12][13][14], although these changes will not occur in a similar way in every region [15][16][17][18][19][20][21][22].In general, global warming is going to significantly increase human and economic losses from river flooding Water 2023, 15,1958 2 of 15 in the future [23][24][25][26].However, the changing climate is not the only driver of increasing flood risk-there is a constant pressure to convert floodplains into artificial surfaces [27,28], and intensive land use also increases the exposure of human assets to floods [29].
In such conditions, the significance of a proper flood hazard and risk assessment is growing.Floods, in water management and governance, may be considered using several terms, including sensitivity (or susceptibility), exposure, vulnerability, resilience, hazard and risk.Some of them are sometimes treated as synonyms, which leads to misunderstandings.In this paper, the terms "hazard" and "risk" are understood in line with the Floods Directive [1]-"hazard" is connected to the occurrence probability of a flood event, while "risk" is a combination of hazard and the potential adverse consequences associated with a flood event.According to these definitions, in the standard flood risk assessment approach, two things are crucial: calculation of probable values of river flows/water levels (leading to the designation of the inundation zones and flood water depths), and an estimation of potential flood losses (PFL).
Such an approach meets certain obstacles [30], which leads to the uncertainty of results [31]; thus, risk-assessment methods are developed, e.g., by applying the theory of reliability [32], the rapid flood risk assessment based on issued predictions [33] or a continuous approach which allows for the modelling and simulation of spatially and temporally correlated hazard scenarios at a weekly time scale [30].A growing number of methods are based on copulas [24, 30,34] or machine-learning techniques [35,36].These methods allow for the estimation of the PFL and flood risk; however, it should be remembered that these analyses should be a part of flood risk management and should be followed by, e.g., preparing spatial development policies and establishing investment priorities in flood protection infrastructure.This is usually carried out using economic methods, such as a cost-benefit analysis (CBA) [37][38][39].
Many researchers also focus on pluvial flood hazard and risk (e.g., [40][41][42]), especially in urban areas (e.g., [43][44][45]).However, such studies, in most cases, develop modelling methods and tools (in terms of rainfall-runoff relation, losses, etc.), rather than searching for spatial dependencies between economically estimated flood risk and the factors causing it in the catchment, such as rainfall or snowmelt; such studies have been performed, e.g., by [46,47].
This research aims to fill the existing research gap by assessing the connection between rainfall and river flood risk.The presented methodology is based on the well-established methods of PFL estimation and the copula-based 'synchronicity' measure.It is demonstrated on the example of Kłodzko town, Poland, located in the Nysa Kłodzka River (NKR) catchment.
The research fits into the trend of analyzing relationships between hydro-and meteorological variables in terms of synchronicity and asynchronicity, described also as, e.g., "synchronous-asynchronous encounter probability", "probability of synchronous or asynchronous occurrence", or "dryness-wetness/rich-poor encounter probability".Such an approach has been used in the analyses of the probability of the co-occurrence of precipitation [48][49][50], runoff and sediment load [51][52][53], the water level of a sea and coastal lakes [54], maximum or average annual discharge/runoff [55][56][57][58][59], precipitation and runoff [60][61][62], flood hazard [62] or water transfer projects [63].The novelty of this research is its combining of the estimated economic flood losses and rainfall data within one copula-based model, which allows the formulation of spatio-temporal dependencies.

Study Area
The upper NKR catchment lies in the Polish part of the Sudety Mountains (Figure 1).It is one of the areas most threatened by flooding in Poland [64], and rivers flowing from there to the Odra River have one of the highest values of the flood potential index in the country [65,66].They are also characterized by apparent differences in terms of the uncertainty and stability of the river runoff regime [67].Devastating floods in that region have been documented from as early as in the 14th century, when the July 1310 flood killed Water 2023, 15,1958 3 of 15 more than 1500 people [68].One of the worst natural disasters in the modern history of Poland-the July 1997 flood in the Odra River basin-also originated from the upper NKR catchment.It is called the "Millennium Flood", and this term is still rhetorically used to describe an event whose scale exceeded all imagination of the possible disaster size [69], because it caused more than 50 fatalities and losses counted in billions of USD.The July 1997 flood also hit the town of Kłodzko, killing several inhabitants and depriving more than 500 families of virtually everything they owned [69].

Study Area
The upper NKR catchment lies in the Polish part of the Sudety Mountains (Figure 1).It is one of the areas most threatened by flooding in Poland [64], and rivers flowing from there to the Odra River have one of the highest values of the flood potential index in the country [65,66].They are also characterized by apparent differences in terms of the uncertainty and stability of the river runoff regime [67].Devastating floods in that region have been documented from as early as in the 14th century, when the July 1310 flood killed more than 1500 people [68].One of the worst natural disasters in the modern history of Poland-the July 1997 flood in the Odra River basin-also originated from the upper NKR catchment.It is called the "Millennium Flood", and this term is still rhetorically used to describe an event whose scale exceeded all imagination of the possible disaster size [69], because it caused more than 50 fatalities and losses counted in billions of USD.The July 1997 flood also hit the town of Kłodzko, killing several inhabitants and depriving more than 500 families of virtually everything they owned [69].The possibility of flood-wave coincidence on the NKR and the Odra River is recognized as one of the serious environmental hazards in Poland [68,70].The concentric arrangement of the river network and river-beds deposition in older formations are highlighted by [71] as favorable conditions for the formation of flood waves in that area.In their research, Bednorz et al. [71] determined five patterns of cyclonic circulation characterized by different intensities, extents and origins, which are responsible for heavy rainfall triggering floods in the Sudety Mountains.Kłodzko town was established as one of municipalities with the highest flood risk levels (according to the Flood Risk The possibility of flood-wave coincidence on the NKR and the Odra River is recognized as one of the serious environmental hazards in Poland [68,70].The concentric arrangement of the river network and river-beds deposition in older formations are highlighted by [71] as favorable conditions for the formation of flood waves in that area.In their research, Bednorz et al. [71] determined five patterns of cyclonic circulation characterized by different intensities, extents and origins, which are responsible for heavy rainfall triggering floods in the Sudety Mountains.Kłodzko town was established as one of municipalities with the highest flood risk levels (according to the Flood Risk Management Plans) in the entire NKR catchment [72].At the same time, the adaptability level of the town was assessed as one of the highest in that region, too.
Kłodzko town is located on the NKR, it has 25,239 inhabitants (as of 31 June 2022) [73] and an area of 24.84 km 2 .Due to the location in the river valley, its elevation is differentiated, ranging from 280 to 431 m a.s.l.A detailed description of the upper NKR catchment, including precipitation and hydrological conditions, is given in [74] and in earlier papersplease refer to [60][61][62]75].

Data
The study was conducted on the basis of values of daily water levels (H) of the NKR in Kłodzko town and rainfall (R) recorded in precipitation gauges in the NKR catchment.The data were obtained from the resources of the Institute of Meteorology and Water Management-National Research Institute in Warsaw, Poland, and downloaded using the climate R package [76].The data cover the period of hydrological years (from 1 November to 31 October) 1971-2021.
In the proposed methodology, the digital elevation model (DEM) was used, with resolution of 1 m × 1 m.The Topographic Objects Database (BDOT10k) was used in estimation of flood losses, based on the land use classification.Both DEM and BDOT10k are provided by the Head Office of Geodesy and Cartography in Warsaw, Poland.
The obtained data sets are complete and sufficient to carry out the study and draw reliable conclusions.

Selection of Significant Floods and Rainfall Data Preparation
Firstly, based on the obtained data, the average annual maximum water level (hereinafter referred to as "mean high water"-MHW) was calculated.This value was applied to designate significant summer (rainfall-driven) floods-every flood equal to or higher than MHW was taken into the analyses.Exceedance of MHW for several following days was treated as one flood event, and for the further analyses only peak water levels were selected.
Besides the empirical H, the probable water levels were also obtained from the available flood hazard maps [77], for return periods of 10, 100 and 500 years, respectively.In order to obtain the flooding surface elevation (FSE, expressed in m a.s.l.), used to estimation of flood inundation zones (FIZ) and floodwater depths (FWD), all selected H were added to the "zero" level of the river gauge.
For each selected flood event, the rainfall from five preceding days was identified and summed to the 24 h (R 24 ), 48 h (R 48 ), 72 h (R 72 ), 96 h (R 96 ) and 120 h (R 120 ) rainfall.

Estimation of FIZ Range
To obtain FIZ for each selected H, without using the complex hydrological/hydraulic model, the following steps were carried out using the GIS software (a visualization of these steps is presented in Figure 2): 1.
The river-valley and river-bed cross-sections were drawn (for NKR and its tributaries within the Kłodzko town boundaries).

2.
For each cross-section, elevation of the riverbank from DEM was added.

3.
For Kłodzko water-gauge cross-section, values of H were added.4.
The differences between Kłodzko water-gauge elevation and elevations of other crosssections were calculated. 5.
FSE in each cross-section (FSE CS ) was calculated with the use of formula (Equation ( 1)): where d-difference between elevation of the water-gauge cross-section and the given cross-section ("+" for cross-sections upstream, "−" for cross-sections downstream).6.
To obtain FIZ, the triangulated irregular network (TIN) model was applied to interpolate floodwater surface for each H. 7.
TIN was transformed into raster, and DEM was subtracted from it.8.
The obtained raster was reclassified according to four depth classes (see Section 2.3.3 for details).9.
The reclassified raster was transformed into polygon layer presenting initial FIZ range and FWD.10.The range of initial FIZ was limited to the administrative boundaries of the Kłodzko town.
11.The final FIZ was obtained by subtracting the FIZ parts not linked to the river (e.g., behind dikes or naturally lower than the river) and riverbeds area from the polygon layer.
interpolate floodwater surface for each H. 7. TIN was transformed into raster, and DEM was subtracted from it.8.The obtained raster was reclassified according to four depth classes (see Section 2.3.3 for details).9.The reclassified raster was transformed into polygon layer presenting initial FIZ range and FWD.10.The range of initial FIZ was limited to the administrative boundaries of the Kłodzko town.11.The final FIZ was obtained by subtracting the FIZ parts not linked to the river (e.g., behind dikes or naturally lower than the river) and riverbeds area from the polygon layer.

Estimation of PFL
For each final FIZ, PFL were estimated on the basis of land use type in accordance with the methodology used in preparation of the updated flood risk maps [78] and the updated flood risk management plans for the Odra River basin [79].The approach is based on the methodology for determining the property value indicators proposed by [80].The property value indicators adopted in the research were indexed using the growth in the economic indicators from 2016 to 2019 [79].
This methodology considers both the types of flooded area (according to BDOT10k) and depth of the water covering it.There are designated eight land use classes and four water depth classes, based on which levels of assets impairment were adopted (Table 1).Based on values indicated in Table 1, for each FIZ total PFL was calculated.

Estimation of Distribution Parameters
The best matching statistical distribution type was selected for the analyzed data sets (R and PFL).The log-normal, Gumbel, Gamma and Weibull distributions were taken into consideration.Distribution-parameters estimation was conducted with the help of the maximum-likelihood method.In order to check the goodness of fit of the distribution type in the data series, the Akaike information criterion (AIC) [81] was used (Equation ( 2)): where MSE-mean square error, N-size of a sample, p-fitted-parameters number or (Equation ( 3)): AIC = 2 log (ML) + 2p where ML-maximum likelihood for model, and p-fitted-parameters number.
The best-fitted distribution type is the one having the lowest value of AIC [81].

Application of Copulas
For H and PFL, the joint distribution was constructed using copulas.A definition of the bivariate Archimedean copula function is as follows (Equation ( 4)): where u and v are marginal distributions, the θ, subscript of copula C, is the parameter hidden in the generating function φ, and φ is a continuous function called a generator which strictly decreases and is convex from The one-parameter Archimedean copulas (Clayton, Gumbel-Hougaard and Frank copula families) were applied (Table 2).

Copula
Water 2023, 15, 1958 7 of 15 In Table 2, Dk (x) is Debye function (Equation ( 5)), for any positive integer k, AIC was applied in order to check the goodness of fit of the joint distribution.
Based on the estimated parameters of statistical distributions (see Section 2.3.4), for the analyzed data pairs (R-PFL) 5000 hypothetical values were randomly generated.They were used for selection of the best-fitted Archimedean copula family for a given data pair, and, subsequently, for forming of an appropriate copula function.Such a procedure (choosing a proper copula family for each data pair independently) helps to avoid having distorted (or even reverse) results-such a possibility was noted, e.g., in [55].On the basis of empirical values of R and PFL for particular years and generated points, graphs with return period curves were generated.Next, the generated hypothetical values were analyzed using 62.5% and 37.5% probability levels [51,55].These levels allowed designation of nine sectors (Table 3), which represent various relation types of analyzed variables probable values.Notes: where X = x coordinates of generated points; Y = y coordinates of generated points; R62.5%/PFL62.5% = the value of R or PFL with a probability of exceedance of 62.5%; R37.5%/PFL37.5% = the value of R or PFL with a probability of exceedance of 37.5%; Lo = "low", Me = "medium", and Hi = "high"; and R/PFL = variables used in this study, i.e., cumulative rainfall or potential flood losses (see details in Sections 2.3.1 and 2.3.3).
The synchronicity is the percent share of generated points in sectors No. 1, 5, and 9 (Table 3) in the total number of generated points, whereas the asynchronicity is divided into two types:
To put it another way, synchronous and asynchronous occurrences probability (i.e., synchronicity and asynchronicity) of the analyzed variables (i.e., R and PFL) were determined with the calculated threshold values of probability ranges:

•
LoR/LoPFL describing the probable values with a probability of exceedance >62.5%; • MeR/MePFL describing the probable values with a probability of exceedance in a range <62.5% and >37.5%; • HiR/HiPFL describing the probable values with a probability of exceedance <37.5%.
For description of LoR/LoPFL, MeR/MePFL and HiR/HiPFL, see footer of Table 3.The sum of asynchronicity and synchronicity is 100%.The obtained results concern precipitation gauges in the NKR catchment, so interpolation of results was conducted to analyze spatial dependencies.It was performed using the inverse distance weighted (IDW) method [83].
The synchronous event is, e.g., when both R in Podzamek rainfall gauge and PFL in Kłodzko are in the same probability range.Synchronicity is the probability of occurrence of such a situation.Similar methods of using the copulas and synchronicity within the upper NKR catchment were applied in earlier studies [60][61][62]; however, there are tangible differences between the used data, objectives and findings of that research.The first of these studies [60] focuses on relationships between the annual precipitation totals and river annual runoff.In the second study [61], three relation types were analyzed: between (1) precipitation totals recorded in rain gauge stations and average areal precipitation totals for the whole upper NKR catchment, (2) runoff totals recorded in sub-catchments and runoff totals recorded in Kłodzko water gauge and (3) areal precipitation totals for each sub-catchment and runoff from these sub-catchments.The third study [62], in contrast to the previous ones, does not concern water resources, but focuses on summer flood hazard and relations between flood peak flow, flood wave volume and rainfall in days preceding flood events.Present study, as described earlier, also concerns rainfall in days preceding significant summer flood events, but in relation to PFL, i.e., economic values (losses) used in flood risk analyses.

Selected Flood Events
On the basis of MHW for the Kłodzko water gauge on the NKR (242.80 cm), 30 flood events were identified, among which 17 summer (recorded from May to October) floods were selected as significant ones and taken for further analysis (Table 4).The MHW value was similar to the alarm water level set for the Kłodzko water gauge (240 cm).The estimated PFL for the flood events ranges from PLN 12.1 million (EUR 2.61 million) to PLN 361.4 million (EUR 77.89 million), while the FIZ area is from 0.8 to 4.6 km 2 (Table 4).The highest water level was recorded on 8 July 1997 (Figure 3), during so called "Millennium Flood" (see Section 2.1).From 2011 to 2021, no significant summer flood occurred.For every selected event, the 24 to 120 h rainfall sums were calculated for eight precipitation gauges located in the upper NKR catchment (Figure 1).The official flood hazard and flood risk maps for NKR were prepared, based on values of probable water level with probabilities of exceedance: 10, 1, and 0.2% [77].The same values were also used to estimate PFL and FIZ (Table 5).The official flood hazard and flood risk maps for NKR were prepared, based on values of probable water level with probabilities of exceedance: 10, 1, and 0.2% [77].The same values were also used to estimate PFL and FIZ (Table 5).  1 for details).
Table 5.Estimated PFL and FIZ area for floods with a given probability of occurrence in Kłodzko town.

Probability
Return Period H (cm) Q (m  The data comparison shows that in the analyzed period there were only two historical summer flood events exceeding the level of a 10-year flood, while the level of a 100-year flood has never been reached (Figure 4).The PFL value is exponentially rising with water level, while the FIZ area is also rising, but there is an inflection point.These findings will be discussed later.

Synchronicity of Rainfall and PFL
The probability of the synchronous occurrence of rainfall and PFL in Kłodzko town was calculated for five variants of rainfall sums, from 24 to 120 h (Figure 5A-E).In general, synchronicity between rainfall and PFL is the lowest when R 24 is considered (Figure 5A), and the longer the aggregation period of rainfall, the higher the synchronicity (Figure 5B-E).
The data comparison shows that in the analyzed period there were only two historical summer flood events exceeding the level of a 10-year flood, while the level of a 100-year flood has never been reached (Figure 4).The PFL value is exponentially rising with water level, while the FIZ area is also rising, but there is an inflection point.These findings will be discussed later.

Synchronicity of Rainfall and PFL
The probability of the synchronous occurrence of rainfall and PFL in Kłodzko town was calculated for five variants of rainfall sums, from 24 to 120 h (Figure 5A-E).In general, synchronicity between rainfall and PFL is the lowest when R24 is considered (Figure 5A), and the longer the aggregation period of rainfall, the higher the synchronicity (Figure 5B-E).The synchronicity between R24 and PFL (Figure 5A) ranged from 31.6 (Kłodzko) to 41.5% (Nowy Gierałtów), so the relation between PFL and R24 is asynchronous.Taking into account that in the analysis the biggest floods are considered, this can be explained by the fact that such events are not usually caused by one-day rainfall.In terms of the relation between R48 and PFL (Figure 5B), the highest synchronicity was calculated for the Podzamek precipitation gauge (70%), while for other gauges the synchronicity did not exceed 45%, so it was higher than in the R24 variant (Figure 5A); however, the relation was still mostly asynchronous.For data pair R72 and PFL (Figure 5C), the synchronicity ranged from 40.3 (Międzygórze) to 70.6% (Podzamek).
The synchronicity is higher than for R24 and R48 for precipitation gauges located in the Biała Lądecka and Bystrzyca Dusznicka river catchments, but the relation between The synchronicity between R 24 and PFL (Figure 5A) ranged from 31.6 (Kłodzko) to 41.5% (Nowy Gierałtów), so the relation between PFL and R 24 is asynchronous.Taking into account that in the analysis the biggest floods are considered, this can be explained by the fact that such events are not usually caused by one-day rainfall.In terms of the relation between R 48 and PFL (Figure 5B), the highest synchronicity was calculated for the Podzamek precipitation gauge (70%), while for other gauges the synchronicity did not exceed 45%, so it was higher than in the R 24 variant (Figure 5A); however, the relation was still mostly asynchronous.For data pair R 72 and PFL (Figure 5C), the synchronicity ranged from 40.3 (Międzygórze) to 70.6% (Podzamek).
The synchronicity is higher than for R 24 and R 48 for precipitation gauges located in the Biała L ądecka and Bystrzyca Dusznicka river catchments, but the relation between PFL and rainfall in the upper section of the NKR is asynchronous.For variant R 96 and PFL (Figure 5D), the synchronicity ranged from 42.4 (Międzygórze) to 71.4% (Podzamek)-the result for the Podzamek precipitation gauge in this variant is the highest among all the analyzed variants.A quite similar, spatially, situation characterizes the R 120 and PFL variant (Figure 5E), in which synchronicity ranged from 44.8 (Międzygórze) to 68.5% (Podzamek).The southern part of the NKR catchment is asynchronous (Międzylesie and Międzygórze precipitation gauges) and is close to 50-55% for precipitation gauges located on tributaries of the NKR (the Biała L ądecka and Bystrzyca Dusznicka rivers).

Discussion and Conclusions
The aim of this research was to assess the relationship between potential losses caused by significant floods in Kłodzko town, triggered by rainfall in the upper NKR catchment.It was analyzed using five variants, regarding different periods of rainfall aggregation (from 24 to 120 h) and in terms of the probability of synchronous occurrence.The lowest synchronicity across the entire upper NKR catchment was measured for the R 24 variant (Figure 5A).Such a result was expected, because floods such as the analyzed ones, in most cases, are not caused by one-day rainfall-in several cases, during the 24 h before the flood peak in Kłodzko town, the rainfall was not recorded in all the studied precipitation gauges.In other cases (i.e., for R 48 , R 72 , R 96 and R 120 ), the synchronicity was spatially differentiated (Figure 5B-E); however, the highest value was always determined for the Podzamek precipitation gauge, and the lowest for the Międzygórze precipitation gauge (with one exception, variant R 48 -PFL, in which the lowest synchronicity was calculated for the Chocieszów precipitation gauge).
Both calculated PFL and FIZ increase with an increasing water level, but in the case of PFL, the increase is exponential, while the FIZ area shows an inflection point in the graph (Figure 4).This is a consequence of the selected PFL estimation method (it depends on the range and type of flooded area and depth of flooding, while, e.g., flood wave duration is not taken into account) and the topography of the Kłodzko town area, which is located in the mountain river valley; thus, the rising water mainly causes an increase in the depth of the flood in the already-inundated area.
The results obtained are in-line with our previous research [62], especially for variants R 96 and R 120 .For the corresponding variants in [62], as well as for rainfall data from the Podzamek precipitation gauge, the synchronicity with the flood peak flow (FPQ) was the highest, although its maximum was around 53.5%, while the synchronicity of rainfall with PFL reached 71.4%.However, in the aforementioned research, another flood data set was analyzed (all floods exceeding the 99th percentile).Additionally, in this study, PFL was based on water level, while in the previous research our analysis was based on discharge (Q).Nevertheless, both studies confirm a significant correlation between floods in Kłodzko town and precipitation measured at the Podzamek gauge.
Regarding the floods selected in this research, it should also be emphasized that at the Kłodzko water gauge in the multi-annual period 1971-2021 (i.e., within 51 years), flood waves exceeding the '10-year' water level (i.e., with probability of exceedance p = 10%) were recorded only twice, and the 100-year water level (p = 1%) has never been reached.As mentioned in Section 2.1, the 1997 flood in the Odra River basin is called the "Millennium Flood" or the "Great Flood", when unit outflow reached 1300 L•s −1 •km −2 and the historic water level was exceeded by 70 cm [69].It was an unprecedented in modern history, catastrophic event.Taking it into calculations of the probable maximum flows may lead to overestimation of the theoretical flood water levels.Both overestimation and underestimation of probable flood events is misleading, because in the first case it may result in excessive construction and maintenance costs of flood protection infrastructure, and in the second in the failure of flood protection infrastructure [84].Such situations will also appear more and more frequently due to climate change, because it may both lead to increases or decreases in European river floods [16], also in Poland, where statistically significant trends in the observed river floods have been identified [19].
The proposed methodology considers only summer floods caused by rainfall, but in the mountains snowmelts can also pose a significant threat to the local communities.Thus, these should also be taken into account to fully understand the flood hazard and risk in such areas.As is mentioned in other studies (e.g., [85][86][87]), results obtained by applying the copula-based methods are subject to uncertainty, so techniques for these methods' quantification still need to be developed.In terms of the flood losses estimation, a methodology should be developed to also incorporate other flood wave characteristics, such as flood duration, flood water volume and velocity.A comprehensive review of existing flood hazard-assessment methods is presented in [88], and some of them could be incorporated into the PFL estimation.
In conclusion, the introduced methods allow analysis of the spatio-temporal relationships of precipitation and flood risk (in this study, expressed as PFL).The obtained results indicate that (1) the relation between PFL in Kłodzko and 24 h rainfall preceding the flood peak for all precipitation stations is asynchronous, (2) there is a high synchronicity of PFL and cumulative rainfall in the Podzamek station from 48 to 120 h before a flood event, and (3) the probable floods in Kłodzko may be overestimated due to the occurrence of the catastrophic flood of July 1997.These findings can be helpful in preparing and adjusting flood warning systems or planning flood protection measures and infrastructure.As mentioned above, future research should focus on including snowmelt floods into the presented methodology, incorporating quantitative uncertainty estimations, developing PFL calculation methods which not only include depth of flooding, and assessing the impact of climate change on flood risk.Another interesting research topic is an assessment of the possible under-or overestimation of probable floods, e.g., due to the occurrence of catastrophic events in the past or resulting from the predicted climate change.

Figure 1 .
Figure 1.Study area-location of Kłodzko town, upper NKR catchment and precipitation gauges.

Figure 1 .
Figure 1.Study area-location of Kłodzko town, upper NKR catchment and precipitation gauges.

Figure 2 .
Figure 2. Visualization of steps in obtaining the final FIZ range.Figure 2. Visualization of steps in obtaining the final FIZ range.

Figure 2 .
Figure 2. Visualization of steps in obtaining the final FIZ range.Figure 2. Visualization of steps in obtaining the final FIZ range.

Figure 3 .
Figure 3. Example of generated FIZ area for flood event of 8 July 1997, with view on the northern (A1,A2) and southern (B1,B2) parts of Kłodzko town.FIZ are presented broken down into FWD classes (A1,B1) and land use classes (A2,B2) in accordance with the property value indicators used in the PFL estimation (seeTable 1 for details).

Figure 4 .
Figure 4. Dependence of water level and estimated PFL (A) and total FIZ area (B).Blue points refer to significant historical summer floods, orange squares to probable floods.

Figure 4 .
Figure 4. Dependence of water level and estimated PFL (A) and total FIZ area (B).Blue points refer to significant historical summer floods, orange squares to probable floods.Water 2023, 15, x FOR PEER REVIEW 11 of 16