Assessing flood mitigation,management, and enforcement using insurance data,California and the USA

Previous research found that National Flood Insurance Program (NFIP) premiums collected in some U.S. states, including California, have far exceeded damage payments. However, this finding raises the question of whether such an imbalance represents systematically good flood management or, instead, merely short-term hydrologic good luck. This study investigated patterns in flood losses on structures that pre-date and post-date the first available flood maps (“pre-Flood Insurance Rate Map [FIRM]” vs. “post-FIRM”) in California, several peer states, and nationwide. California has a larger inheritance of pre-FIRM structures than the national average, apparently reflecting development during the latter half of the 20th Century but before most Federal Emergency Management Agency (FEMA) flood maps. Pre-FIRM properties are a disproportionate cost burden on the system, and the number of pre-FIRM policies has declined over time, but only slowly. Local patterns in pre-FIRM claims suggest targeted areas for enhanced mitigation efforts, including buyouts. Conversely, we find that claims on post-FIRM policies are a reasonable metric of good floodplain management and enforcement, and California's 38% of post-FIRM policies generated just 24% of the state's NFIP claims. Local “post-FIRM claim hotspots” suggest areas to examine more closely. California continues to be a net payer into the National Flood Insurance Program, with $102 million in payouts 2009–2018 versus $2.3 billion in premiums collected, or 4.5 cents of premiums collected for every dollar of premiums. In California, its peer states, and nationwide, future management of flood risk depends on: (1) continued investment in flood control and mitigation of existing floodplain structures, and (2) prudent planning and limitations on new floodplain and coastal development.     

COMPREHENSIVE FLOOD PLAIN MANAGEMENT1

Flooding and the susceptibility to flood damage inherent in all land uses constitute the flood hazard. Resolution of the hazard while properly recognizing flood plain environmental attributes within the context of overall community or area needs is the essence of comprehensive flood plain management. The traditional approach–flood control–has effected modification of only the flooding component of the hazard whether it be coastal or inland. Until recently Federal programs have overlooked the possibilities of modifying the susceptibility component, for which the major responsibility lies with non-Federal interests. Beginning with actions in the TVA area, the latter is now being strongly encouraged through Federal programs and actions notably the Flood Plain Management Services and Survey Programs of the Corps of Engineers, those stemming from Executive Order 11296, and those required for eligibility under the National Flood Insurance Act of 1968. Flood plain management objectives must be stated in planning, e.g., economic efficiency, reduction in threat to life and health, environmental improvement, and regional development, to permit proper evaluation of the optional means and approaches for achieving them.     

FLOODPLAIN ANALYSIS,SIMPLIFIED VS. COMPLEX METHODS: A CASE STUDY1

ABSTRACT: The accurate and reliable determination of floodplains, floodway boundaries, and flood water elevations are integral requirements of Flood Insurance Studies. These studies are intended to be used for determining the flood insurance rates. Therefore, the accuracy of the water surface profiles are important. To ensure the high degree of accuracy, the HUD Flood Insurance Administration has developed standards which must be met in the analysis of water surface profiles. A somewhat less accurate study is required for the preparation of Flood Emergency Plans. As part of the flood insurance studies of eight locations in the State of North Dakota, various flood hazard and floodplain information reports were reviewed. The hydrologic and hydraulic analyses, especially the computation of the 100-year water surface profiles, were completed using both simplified and complex hydraulic computation methods. Significant differences were found (1 to 3 feet) between the profiles computed by the SCS simplified method and those computed by HEC-2 computer program. However, the floodplain boundaries determined by both methods were found to be similar. Approximate methods are recommended for rapid determination of the floodplain, floodway boundaries, and inundation area mapping, while sophisticated computer programs (HEC-2) are recommended to be used for developing areas where the 100-year flood elevation has a significant impact on the cost of land development.     

An Analysis of the Effects of Land Use and Land Cover on Flood Losses along the Gulf of Mexico Coast from 1999 to 2009

Major coastal flooding events over the last decade have led decision makers in the United States to favor structural engineering solutions as a means to protect vulnerable coastal communities from the adverse impacts of future storms. While a resistance‐based approach to flood mitigation involving large‐scale construction works may be a central component of a regional flood risk reduction strategy, it is equally important to consider the role of land use and land cover (LULC) patterns in protecting communities from floods. To date, little observational research has been conducted to quantify the effects of various LULC configurations on the amount of property damage occurring across coastal regions over time. In response, we statistically examine the impacts of LULC on observed flood damage across 2,692 watersheds bordering the Gulf of Mexico. Specifically, we analyze statistical linear regression models to isolate the influence of multiple LULC categories on over 372,000 insured flood losses claimed under the National Flood Insurance Program per year from 2001 to 2008. Results indicate that percent increase in palustrine wetlands is the equivalent to, on average, a $13,975 reduction in insured flood losses per year, per watershed. These and other results provide important insights to policy makers on how protecting specific types of LULC can help reduce adverse impacts to local communities.     

Organic planning: the intersection of nature and economic planning in the early Tennessee Valley Authority

During the 1930s, the New Deal revolutionized the role of the federal government in American life. This change was particularly acute in the use and management of natural resources. Between 1933 and 1941, the Tennessee Valley Authority (TVA) helped to define a new relationship between American government and modern concepts such as regional planning. New scientific understandings based in ecology found expression in the hydro-electric development along the Tennessee River. With a strong commitment to aesthetics and ecology, early TVA designs helped to introduce the category ‘organic planning’ that has come to define contemporary environmental planning worldwide. Copyright © 2002 John Wiley & Sons, Ltd.     

The use of Landsat multispectral scanner data for the analysis and management of flooding on the river Severn,England

Remote sensing has emerged as one of the major techniques for the analysis and delineation of large floods. This analysis can provide data invaluable for the hydrological management of large river systems. A need for information on the extent of floodplain inundation for the lower reaches of the largest river in the UK was met by a search through Landsat images of floods and the analysis of the best example recorded. Automated classification of the Landsat imagery of this flood on the river Severn in 1977 was used to provide estimates of the extent and spatial distribution of inundation. Flood images were generated using the Plessey IDP 3000 image processor, and the maps derived accorded well with aerial photography and qualitative flood information. Three distinct floodplain environments were delineated and flood images produced by different spectral bands compared. Specific questions prompted by flood hazard management and concerning the processes and extent of flooding were answered by the Landsat data analysis. Management of the flood risk of large rivers is expensive and remote sensing data is a relatively cheap and effective way of monitoring control works and providing data for the prediction of the effects of future hydrological works. Remote sensing is a practical way in which spatial information concerning the behavior of large dynamic systems can be obtained both quickly and relatively cheaply.     

NEW DIRECTIONS IN FLOODPLAIN MANAGEMENT1

ABSTRACT: Over the last 30 years, average annual riverine flood damages have exceed $2 billion. Damages associated with the Mississippi River Flood of 1993 exceeded $12 billion and these costs do not include the non-quantifiable, human impacts of this disaster. In a report submitted to the White House in June 1994, a federal interagency floodplain management review committee proposed better ways to manage the nation's floodplains. The committee indicated that the 1993 Mississippi River flood was the result of a significant hydrometeorological event, that federal flood control efforts in the Mississippi basin had prevented nearly $20 billion in potential damages, and that, in spite of federal flood damage reduction efforts, throughout the nation people and property remain at risk to inevitable future flooding. It recommended that the division of decision and cost-sharing responsibilities among federal, state and local governments be more clearly defined, and that the nation adopt a strategy of, sequentially, avoiding inappropriate use of the flood-plain, minimizing vulnerability to damage through both nonstruc-tural and structural means, and mitigating damages as they occur. The report did not call for abandonment of human use of the flood-plain but argued for full consideration of the economic, social and environmental costs and benefits of all future floodplain activity.     

A Faster and Economical Approach to Floodplain Mapping Using Soil Information

Flood inundation maps play a key role in assessment and mitigation of potential flood hazards. However, owing to high costs associated with the conventional flood mapping methods, many communities in the United States lack flood inundation maps. The objective of this study is to develop and examine an economical alternative approach to floodplain mapping using widely available soil survey geographic (SSURGO) database. In this study, floodplain maps are developed for the entire state of Indiana, and some counties in Minnesota, Wisconsin, and Washington states by identifying flood‐prone soil map units based on their attributes. For validation, the flood extents obtained from SSURGO database are compared with the extents from other floodplain maps such as the Federal Emergency Management Agency issued flood insurance rate maps (FIRMs), flood extents observed during past floods, and flood maps derived using digital elevation models. In general, SSURGO‐based floodplain maps (SFMs) are largely in agreement with other flood inundation maps. Specifically, the floodplain extents from SFMs cover 78‐95% area compared to FIRMs and observed flood extents. Thus, albeit with a slight loss in accuracy, the SSURGO approach offers an economical and fast alternative for floodplain mapping. In particular, it has potentially high utility in areas where no detailed flood studies have been conducted.     

Classification and assessment of water bodies as adaptive structural measures for flood risk management planning

Severe rainfall events have become increasingly common in Europe. Flood defence engineering works are highly capital intensive and can be limited by land availability, leaving land and communities exposed to repeated flooding. Any adaptive drainage structure must have engineered inlets and outlets that control the water level and the rate of release. In Scotland, there are a relatively high number of drinking water reservoirs (operated by Scottish Water), which fall within this defined category and could contribute to flood management control. Reducing the rate of runoff from the upper reaches of a catchment will reduce the volume and peak flows of flood events downstream, thus allowing flood defences to be reduced in size, decreasing the corresponding capital costs. A database of retention basins with flood control potential has been developed for Scotland. The research shows that the majority of small and former drinking water reservoirs are kept full and their spillways are continuously in operation. Utilising some of the available capacity to contribute to flood control could reduce the costs of complying with the EU Flood Directive. Furthermore, the application of a previously developed classification model for Baden in Germany for the Scottish data set showed a lower diversity for basins in Scotland due to less developed infrastructure. The principle value of this approach is a clear and unambiguous categorisation, based on standard variables, which can help to promote communication and understanding between stakeholders.     

FLOODPLAIN MANAGEMENT NEEDS PECULIAR TO ARID CLIMATES1

ABSTRACT: Many practices followed uniformly nationwide in the federal flood control and floodplain management programs are inappropriate or even counter productive in the arid Utah climate. An analysis of the 130-year Utah flood history, the structural and nonstructural flood programs in the state, and local perceptions obtained by field visits and interviews in 35 Utah communities revealed a number of such inefficiencies. Since flood flows dissipate quickly when they emerge from mountain watersheds onto desert lowlands, risks are concentrated near the apex of alluvial fans, include hazard from mud as well as water flow, and are compounded by canal interception of flood waters. Because of variation in the area flooded from one event to the next, floodplain mapping has tended to show risks too high in mapped areas and too low outside. Traditional channelization carries floods downstream past where they would dissipate naturally. The federal government needs to become more active in developing better flood hazard delineation and structural and nonstructural designs for arid areas. State government can help by providing a forum where communities can exchange experiences, reviewing structural designs prepared by local government, and providing local communities with technical expertise for dealing with federal agencies.     

The dilemma of flood control in the United States

In spite of increasing annual expenditures for flood control, losses from flooding continue to rise in the United States. This seeming contradiction arises from overdependence on federally supported structural solutions to flood problems. Nonstructural controls are initiated reluctantly at local levels of government because of constitutional questions, restrictions of local tax bases, lack of federal subsidies for nonstructural solutions, and the high costs of delineating flood hazard areas. The success of the National Flood Insurance Program is doubtful since only about five percent of the flood-prone communities in the United States have qualified for the regular program. Future reduction of flood losses is dependent upon increasing popular awareness of flood hazards and altering federal subsidy policies to reduce the impact of local land-use regulations.     

Flood Risk Perceptions and Overdevelopment in the Floodplain1

ABSTRACT: There is a long standing hypothesis that overdevelopment has occurred in the nation's floodplains due to imperfect information about the potential flood hazard, an expectation of disaster relief and anticipation of future structural protection. This hypothesis is investigated with multiple regression analysis of data for a case study area. In particular the question of whether floodplain residential property values are fully discounted for expected flood damages is addressed by considering the impact of the National Flood Insurance Program on property values. The extent to which flooding risk perceptions are based on low cost information such as distance from and elevation above the river is also considered. Finally, implications for floodplain management policy are discussed.     

Assessing the price effects of flood hazard disclosure under the California natural hazard disclosure law (AB 1195)

This study uses hedonic analysis to estimate the effects of flood hazard disclosure under the 1998 California Natural Hazard Disclosure Law (AB 1195) on property values throughout California. It finds that the average floodplain home sold for 4.2% less than a comparable non-floodplain home following AB 1195 while before that law there was no significant price differential. The introduction of interaction terms indicates that the magnitude of the price reduction due to AB 1195 varies positively with Hispanic population share. An average floodplain home in a half-Hispanic neighbourhood saw a $12 324 negative capitalization due to AB 1195, while that amount was only $2191 for a neighbourhood with 10% Hispanic residents. Results suggest that, in particular, homebuyers in Hispanic communities are better disclosed to under AB 1195 than they were under the National Flood Insurance Program (NFIP), which was the primary policy regulating flood disclosure in California prior to passage of AB 1195.     

Poldering vs compartmentalization: The choice of flood control techniques in Bangladesh

The choice of flood control techniques in Bangladesh is reviewed in the context of a case study on the impact of a small-scale polder, the Dhaka-Narayanganj-Demra (DND) Project. The results of a questionnaire survey among the urban floodplain residents, who have settled inside the polder and a control population from outside the polder, indicate that the project has achieved significant flood alleviation but has also induced considerable environmental degradation due to stagnation of water within the enclosed embankment. The project also experienced numerous problems of structural instability of embankments during major flood events. An attempt is made to extrapolate some of these adverse environmental impacts of the polder to the compartmentalization scheme, which has been proposed by a UNDP-sponsored Flood Policy Study as an innovative technique for floodplain management in Bangladesh. The findings of the study, however, do not provide an adequate basis for assessing viability of the proposed compartmentalization scheme. Nonetheless, the study illustrates the usefulness of questionnaire surveys among floodplain residents for obtaining data for project evaluation.     

Evaluating the effects of local floodplain management policies on property owner behavior

Floodplain management programs have been adopted by more than 85% of local governments in the nation with designated flood hazard areas. Yet, there has been little evaluation of the influence of floodplain policies on private sector decisions. This article examines the degree to which riverine floodplain management affects purchase and mitigation decisions made by owners of developed floodplain property in ten selected cities in the United States. We find that the stringency of such policies does not lessen floodplain property buying because of the overriding importance of site amenity factors. Indeed, flood protection measures incorporated into development projects appear to add to the attractiveness of floodplain location by increasing the perceived safety from the hazard. Property owner responses to the flood hazard after occupancy involve political action more often than individual on-site mitigation. Floodplain programs only minimally encourage on-site mitigation by the owner because most owners have not experienced a flood and many are unaware of the flood threat. It is suggested that floodplain programs will be more effective in meeting their objectives if they are directed at intervention points earlier in the land conversion process.     

Social Dimensions of Urban Flood Experience,Exposure, and Concern

With growing urban populations and climate change, urban flooding is an important global issue, even in dryland regions. Flood risk assessments are usually used to identify vulnerable locations and populations, flooding experience patterns, or levels of concern about flooding, but rarely are all of these approaches combined. Furthermore, the social dynamics of flood concerns, exposure, and experience are underexplored. We combined geographic and survey data on household‐level measures of flood experience, concern, and exposure in Utah's urbanizing Wasatch Front. We asked: (1) Are socially vulnerable groups more likely to be exposed to flood risk? (2) How common are flooding experiences among urban residents, and how are these experiences related to sociodemographic characteristics and exposure? and (3) How concerned are urban residents about flooding, and does concern vary by exposure, flood experience, and sociodemographic characteristics? Although floodplain residents were more likely to be White and have higher incomes, respondents who were of a racial/ethnic minority, were older, had less education, and were living in floodplains were more likely to report flood experiences and concern about flooding. Flood risk management approaches need to address social as well as physical sources of vulnerability to floods and recognize social sources of variation in flood experiences and concern.     

RIVERWARE: A GENERALIZED TOOL FOR COMPLEX RESERVOIR SYSTEM MODELING1

ABSTRACT: Water management agencies seek the next generation of modeling tools for planning and operating river basins. Previous site‐specific models such as U.S. Bureau of Reclamation's (USBR) Colorado River Simulation System and Tennessee Valley Authority's (TVA) Daily Scheduling Model have become obsolete; however, new models are difficult and expensive to develop and maintain. Previous generalized river basin modeling tools are limited in their ability to represent diverse physical system and operating policy details for a wide range of applications. RiverWare(tm), a new generalized river basin modeling tool, provides a construction kit for developing and running detailed, site‐specific models without the need to develop or maintain the supporting software within the water management agency. It includes an extensible library of modeling algorithms, several solvers, and a rich “language” for the expression of operating policy. Its point‐and‐click graphical interface facilitates model construction and execution, and communication of policies, assumptions and results to others. Applications developed and used by the TVA and the USBR demonstrate that a wide range of operational and planning problems on widely varying basins can be solved using this tool.     

DEVELOPMENT OF A GIS‐BASED FLOOD INFORMATION SYSTEM FOR FLOODPLAIN MODELING AND DAMAGE CALCULATION1

ABSTRACT: This work presents a flexible system called GIS‐based Flood Information System (GFIS) for floodplain modeling, flood damages calculation, and flood information support. It includes two major components, namely floodplain modeling and custom designed modules. Model parameters and input data are gathered, reviewed, and compiled using custom designed modules. Through these modules, it is possible for GFIS to control the process of flood‐plain modeling, presentation of simulation results, and calculation of flood damages. Empirical stage‐damage curves are used to calculate the flood damages. These curves were generated from stage‐damage surveys of anthropogenic structures, crops, etc., in the coastal region of a frequently flooded area in Chia‐I County, Taiwan. The average annual flood damages are calculated with exceedance probability and flood damages for the designed rainfalls of 2, 5, 10, 25, 50, 100, and 200 year recurrence intervals with a duration of 24 hours. The average annual flood depth in this study area can also be calculated using the same method. The primary advantages of GFIS are its ability to accurately predict the locations of flood area, depth, and duration; calculate flood damages in the floodplain; and compare the reduction of flood damages for flood mitigation plans.     

NATIONAL FLOOD INSURANCE AND THE COASTAL ZONE: A CASE STUDY OF HURRICANE ELOISE1

ABSTRACT: This paper presents evidence that currently published flood insurance premiums may be insufficient to cover expected losses in coastal areas subject to hurricane. The problems of developing flood premiums in coastal zones are discussed and Federal Insurance Administration (FIA) reaction to these problems analyzed. Flood losses in the coastal zone of Bay County, Florida due to hurricane Eloise are compared with losses which would be predicted by the FIA. This comparison raises important questions concerning the adequacy of flood premiums in coastal zones and the undesirable indirect effects that underpricing flood risk will have on location decisions in the coastal floodplain.     

EFFECTS OF DAM IMPOUNDMENT ON THE FLOOD REGIME OF NATURAL FLOODPLAIN COMMUNITIES IN THE UPPER CONNECTICUT RIVER1

ABSTRACT: Understanding the effects of dams on the inundation regime of natural floodplain communities is critical for effective decision making on dam management or dam removal. To test the implications of hydrologic alteration by dams for floodplain natural communities, we conducted a combined field and modeling study along two reaches in the Connecticut River Rapids Macrosite (CRRM), one of the last remaining flowing water sections of the Upper Connecticut River. We surveyed multiple channel cross sections at both locations and concurrently identified and surveyed the elevations of important natural communities, native species of concern, and nonnative invasive species. Using a hydrologic model, HEC‐RAS, we routed estimated pre‐and post‐impoundment discharges of different design recurrence intervals (two year through 100 year floods) through each reach to establish corresponding reductions in elevation and effective wetted perimeter following post‐dam discharge reductions. By comparing (1) the frequency and duration of flooding of these surfaces before and after impoundment and (2) the total area flooded at different recurrence intervals, our goal was to derive a spatially explicit assessment of hydrologic alteration, directly relevant to natural floodplain communities. Post‐impoundment hydrologic alteration profoundly affected the subsequent inundation regime, and this impact was particularly true of higher floodplain terraces. These riparian communities, which were flooded, on average, every 20 to 100 years pre‐impoundment, were predicted to flood at 100 ? 100 year intervals, essentially isolating them completely from riverine influence. At the pre‐dam five to ten year floodplain elevations, we observed smaller differences in predicted flood frequency but substantial differences in the total area flooded and in the average flood duration. For floodplain forests in the Upper Connecticut River, this alteration by impoundment suggests that even if other stresses facing these communities (human development, invasive exotics) were alleviated, this may not be sufficient to restore intact natural communities. More generally, our approach provides a way to combine site specific variables with long term gage records in assessing the restorative potential of dam removal.