arXiv:2510.23364v1 Announce Type: cross Abstract: Flood susceptibility mapping (FSM) is vital for disaster prevention but remains challenging in data-scarce regions where hydrodynamic models require dense geophysical inputs. This work introduces ZeroFlood, a geospatial foundation model framework for data-efficient FSM. The approach fine-tunes Geospatial Foundation Models (GFMs) with Thinking-in-Modality (TiM) reasoning, enabling flood prediction from basic Earth observation data such as Sentinel-1 or Sentinel-2 imagery. Using paired EO and simulated flood maps from data-rich regions, ZeroFlood bridges data availability gaps through cross-modal representation learning. Experiments with TerraMind and Prithvi GFMs show that TiM enhances model robustness, with the TerraMind-Large configuration achieving an F1 score of 67.21. The results demonstrate the feasibility of foundation-model-based FSM as a scalable and data-efficient solution for flood risk management.