High Water leads to Slippery Slope

[ZenGum]

Farming, yes, but granting building approval and subsidised insurance for new developments, IMHO, no.

[DanaC]

We've done a fine old job of fucking up our flood systems over here in the UK. Floodplains you say? Oh well they'd be the bits we drained and banged housing on right?

[Alluvial]

Yes, they have, especially for businesses. The NFIP used to subsidize everyone's premiums; in other words, although the property might've been rated as highly suceptible to flooding based on the zone it's in, the premium wasn't based on the actual risk. Going back to cold logic, the premium properly ought to be based upon the flood risk. But, if they had all been properly rated, people wouldn't have been able to afford the premiums and the program would have been a failure.

After the floods of the 1990's, the NFIP changed their ways and stopped subsidizing premiums for businesses, and also put some 'teeth' into their regs. Business owners got quite a shock, because many of them were paying small premiums based compared to their actual risk. Example: business owner previously paying $500/yr in premiums now paying $2000/yr. The premiums for businesses were changed to reflect the true risk, while residential properties continue to be subsidized, although not as much as before.

Now for the 'teeth' I mentioned. Often a home or business is what they call "frequently flooded". The NFIP took a look back over their historic data and saw that many of these structures had claims stretching back ten years or more; in fact, often the insurance payouts, after adding them all together, exceeded the value of the structure. In an effort to stem this hemorraging, they put a mitigation plan into effect. This says that if your building sustains more than 50% of its value in damages over a certain period of time, then you *must* mitigate for flood or you won't be able to buy flood insurance any more. That's for damages including all hazards, including things like fire or tornado. Let's say you have submitted claims for property damage from flooding ten times in the last twelve years, and today it burns to the ground. When you rebuild it tomorrow, you must elevate the lowest finished floor above the base flood elevation, or you won't be able to get flood insurance from the NFIP.

I hope I'm explaining this in an understandable way - since I'm around it all the time, sometimes I accidentally leave pertinent parts out.

[xoxoxoBruce]

No, that sums it up quite nicely. As a matter of fact, I've read tons of mailings from them that could have all been replaced with your post.

[sweetwater]

We are forced to purchase flood insurance for our home here in this drought-stricken area because a couple of rooms are 1" below the 100 year flood level. One inch. One hundred years. It costs us around $1600/year to live near a very shallow lake that has a spillway so it couldn't flood regardless.
Even so, I agree with not encouraging or rewarding the construction of dwellings near streams. It is easy to see the natural meanders of streams when flying, yet people will put their houses there.

[Alluvial]

What kind of construction is it? Is there any way to elevate those two rooms?

Looking at old meanders out of the airplane window is one of my favorite things to do.

[sweetwater]

Originally Posted by Alluvial

What kind of construction is it? Is there any way to elevate those two rooms?

Looking at old meanders out of the airplane window is one of my favorite things to do.

The only room that would be easy to raise is the great room, but it is already raised. The others have plumbing in the slab and lower ceilings. And yes, geological features are wonderfully apparent from above - if only the aircraft would slow down and let me enjoy the view for a while!

[Alluvial]

I realized later, after I posted that, that if you're wanting to get a structure removed from the special flood hazard area, then the new application forms require the 'lowest adjacent grade' rather than the finished floor. So it wouldn't help ya anyway.

[xoxoxoBruce]

In one of the 'burbs north of Philly, they are paying to jack up the houses along one creek because they flood so often.

http://blogs.phillyburbs.com/news/bc...lood-proofing/

[Alluvial]

There are some different grants which FEMA gives out, which pay for projects like that. It's a great program. They've even been successful in raising slab-on-grade homes. Here is a story about a New Orleans family who had theirs raised 7.5 feet. There were several success stories on the Gulf Coast, where HMGP funds were used to elevate some houses, which kept them from flooding from Katrina.

[richlevy]

Here in Pennsylvania we are still paying an "emergency" liquor tax created to handle the 1889 Johnstown flood.

The Johnstown flood was a 'manmade flood' caused by the failure of private dams owned by a number of rich people who were never held responsible.

[Alluvial]

Originally Posted by richlevy

Here in Pennsylvania we are still paying an "emergency" liquor tax created to handle the 1889 Johnstown flood.

The Johnstown flood was a 'manmade flood' caused by the failure of private dams owned by a number of rich people who were never held responsible.

I didn't realize that tax was still on the books!

That was a horrible flood; some of the victims were swept to a debris jam which caught on fire and burned many people. I can't remember where the web site was, but I read some very interesting transcripts of interviews done at the time with railroad employees.

That South Fork dam wasn't well built to start with, then the owners futzed around lowering the crest and whatnot. A bad situation.

[ZenGum]

That seems somehow unfair. Picture the afterlife.

"What happened to you?"
"Killed in a flood"
"Tough luck. Drowned?"
"Nah, burned."
"WTF?"

[Alluvial]

I know! Picture the headstone:

"Burnt to death in the Johnstown flood of 1889".

Say what?

If one is interested in historic dam breaks, some to read about are the St. Francis dam (California), Malpasset Dam (France) and Grand Teton Dam (Idaho).