The owners who apply to the FCC for licenses hire Consulting Engineers to calculate and prepare the maps. These are submitted to the FCC where they are accepted or rejected. If rejected, pay to have a new one done which appears to be more scientifically accurate.
First issue. What is coverage. Your car radio will probably pick up a station out at the edges further than will your home table radio. Your home table radio will pick up further out than will you little Sony digital Walkman radio that you strap to your arm while doing an afternoon walk. Your hotel clock radio might pick up the station if you are close enough to identify the birds sitting on the transmitter tower. So which radio is accurate. "Listeneable Coverage" is a fleeting, "it depends" issue.
Second issue. AM and FM present differing challenges on estimating where a station can be heard. For FM the terrain, the hilliness can cause shadowing and multipath. The FM maps are called 50/50 maps or something like that. It's like when the weather forcast says you have a 30% probability of rain in this location? Will you have rain? Maybe. Will you hear the station at the edge of the circle on the map? 50% probability. And that may vary from day to day based on atmospheric conditions. I live about 50 miles from most of the Atlanta FM towers. I am out in the country! When I leave home and punch up the NPR station it is always a crap shoot whether I will get signal today. The MAP does not change daily depending on weather.
Third issue. I don't know if you are aware of this, but some people do not file accurate income tax returns. They hide income. Sometimes engineers drank too much last night or something and they calculate a map that is not totally accurate and the FCC engineers and clerks who receive them, time stamp them don't catch the error.
Fourth issue. Read the tax return example again. Sometimes owners do not BUILD the station exactly the way the engineer designed the station. Antenna lower on the tower than licensed. Substituted a transmitter following a lightning strike and not sending exactly the amount of electricity to the antenna as the license calls for.
Fifth issue. Read the tax return example again. Sometimes the owner of another station 90, 120 or 150 miles away is the bad guy who lied to the FCC, changed his antenna, put extra hamsters in the treadmill of his transmitters and he is sending interference signal your way blocking the signal you are trying to hear.
sixth issue. Natural and man-made static and interference levels have increased in the air around us. Maybe the algorithms the Consulting Engineers use (approved by the FCC) need to be changed to recognize what exists in the air around us TODAY, not what was present 10, 20 or 30 years ago.
Seventh issue. We talked in Issue four about how the station installed it's transmitting antenna. What about your receiving antenna. In a perfect world every time to retune your car radio you would stop and adjust the length of your receiving antenna. You antenna may be of a length that picks up one station very well but does not pick up KTXM well at all. My little Sony Walkman depends on the wire to the earphones for part of it's antenna. As I move, lean over, walk through the curve in the road, the antenna is constantly changing in shape and length. Out here 50 miles out the station comes and goes to the point I have to forget about Terri Gross and settle for the preacher on the hilltop locally or the head-banging rowdy music on the rim-shot transmittler 10 miles away.
There are more issues why maps of radio coverage may not match the FCC published maps, but this is getting boring by now, and we haven't even touched A.M. yet.