The paper makes an important methodological contribution by demonstrating that conventional spatially uniform design storms can substantially underestimate localized flood exposure and structural damage, whereas stochastic storm transposition (SST) captures the spatial organization and variability of real storms and reveals previously overlooked risks. The paper can be considered a highlight paper because it provides compelling evidence that representing spatial rainfall variability can fundamentally alter flood-risk estimates, with direct implications for floodplain management, infrastructure design, and climate-resilient planning.