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Why would these people in inland NC have flood insurance? They were not in a flood plain. This is crazy thinking.
Flood plain doesn’t necessarily mean flat land. Mountains have streams, creeks, rivers, all flowing downhill with flat areas all in between. Dammed areas that also can back-up and overflow. Water flows down, so if you’re near one of those streams, its better to be safe than sorry.
“But experts say the flood maps used by the national program are outdated, leaving many areas that should have flood insurance without it.
“They don’t include flooding from small waterways, things like creeks, tributaries, streams,” said Jeremy Porter, head of climate implications research at the First Street Foundation, which models climate risks. “And they don’t include heavy precipitation as a source for flooding.”
That means events like the surge of Helene flooding that struck inland areas last week are almost entirely ignored— leaving residents to choose for themselves whether they want to buy private flood insurance”
And yet, their homes just flooded. And have in the past. And will in the future.
Flood plains are everywhere…the question is how often does your area flood. Those lazy streams and creeks become tidal wave-like, overflow their banks, and flood all the adjacent properties. This isn’t new…it happens every year, somewhere in America. I recall driving through Illlinois several years ago and seeing farm fields flooded almost to the top of the corn plants, street sign poles covered with water up to the street sign as I drove by on the elevated interstate. And this was not near the Mississippi…
It’s a new reality for flooding. You can ignore it, or you can prepare for it…your choice. But please don’t come looking for federal support because you chose to not buy the insurance…
+Timothy. And Josh, you’re talking about the requirements for mandated flood insurance that is required much like car insurance. While the maps are outdated and don’t include small streams and tributaries, if you buy a property next to a stream or a creek and think you’ll never be prone to flooding and should not think about insurance because government is telling me not too, then you’re not doing what you can to protect your investment. Those maps probably haven’t been updated because it would force an extra mandated cost burden on people in those areas …which all would complain about. So they roll the dice. I do hope that they are able to recover some of the investment. I hope if they can rebuild, they build up above potential flood chances.
Flood insurance can protect against all types of water maladies. I live on top of a hill and have flood insurance.
They are working on the updated flood maps. When they started rolling them out, local leaders, and then members of Congress, complained because folks who didn’t believe they were in a flood zone were suddenly required to buy the coverage. Which drove up the price of homeownership. Certain members of Congress, Senators and Represenatives alike, rail on the cost of flood insurance, and complain when they have to appropriate more money to bail out the folks without coverage. It used to be known, irreverently, as Air Force One Indemnity Company, as the President or some othe highly placed person would fly in and promise all the funding needed to restore an area ravaged by storms.
Don’t get me wrong, I empathize with these people. But most of them made a choice, and the choice was to go without coverage. Now they want taxpayers to pick up the tab.
Here’s a choice, suggested for years by some in the insurance industry and most recently voiced by the head of insurance in Canada…maybe its time to move. Maybe its time to stop building in Florida, which sits only a few feet above sea level and is devastated every few years by a Hurricane or tropical storm. Maybe its time to stop building along waterways that flood every 10 or so years. Maybe its time to stop building at the edge of national forests that catch on fire. Or maybe, its time the rest of us no longer agree to fund those folks who build in these places and then get wiped out every few years and didn’t buy the coverage. Yes, it’s expensive, but it should be part of the calculation of the cost of living in a chosen area. The rest of us back in midwest suburbia shouldn’t be paying because you took the cheap route so you could enjoy your beach/mountain/forest/valley with a river running through it view.
Why should FEMA or any agency provide $85,000 in support of those that made a poor decision to decline insurance? Such entitlement.
Provide it once, and that’s it. Not again. No more rebuilding homes every few years because people keep rebuilding in areas that flood. Not until the local community does something about flood control, though please, not like Houston, where the flood control efforts simply moved the water from wealthier neighborhoods to…yeah, you guessed it…