Living in a floodplain
 

This weekend, I watched several YouTube videos of the damage caused by Helene.

The damage in Tennessee and North Carolina was devastating. It appeared that the vast majority of the damage was caused by rivers overflowing. The damage will be in the billions.

If you are living in a floodplain should you be banned from rebuilding in the floodplain but instead be required to move to higher ground?

Or if not banned, should you not be allowed to buy insurance?

https://www.floridadisaster.org/glob...management.pdf

Same goes for any costal town, only Rv parks should be allowed right on sea. IMO only town wiped out after insurance should be brought by state and no permanent building allowed. At in RV park you can hook up and pull RV out harms way. In mountainous areas only pace for town in valley. Same goes you build at River level if going to flood eventually.

But were they in a flood plain, or is house higher than the designated flood code?

Oldest in Greenville SC isn’t in a flood zone, but thousands of homes were severely damaged by trees sheared off and falling on houses, from either straight winds, bands from Helene, or possible tornado spin off.
Then 17” of rain in short period of time, causing severe interior water damage, to many homes. Some homes may not end up not being repaired because some insurance companies, may consider it damage from flood, or no coverage since policies may not carry hurricane insurance.

Their NC 6yo home is 1.3 miles from intercostal, then barrier island. They are not in a flood zone, with 15’ above sea level, and 2 acre catch basin 10’ lower than their home. They do however carry a high deductible flood policy, have wind mitigation and roof is prorated for repair if damaged. Every storm seems to arrive in their area, yet expect for road and bridges, no damage to neighborhood for 10 years.

Aren't floodplains rated?
50 year, 100 year etc.
Gives you and insurance a risk assessment

If the zone is later developed, the zone has a new risk assessment, for improvement to property. Once evaluation is complete the zone can stay at say 100year, or no longer be classified as a flood zone. Then it’s up to the insurance company to reevaluate the policies

Why do we get insurance? Something happens beyond or control LIKE natural disasters, shouldn’t have flood insurance, hurricane, sinkhole, earthquake, ect… all natural disasters beyond person control (If you build on flat coast or at river level that’s on you). IMO there should be no pullout of insurance in state. Insurance insures all or none. Insurance don’t want insure it state then the don’t insure in United States,

What are the chances that TV could have a similar level of flooding in a hurricane that dropped 20 inches of rain? I understand that the problems in the inland regions were made worse because of the mountains and failure of damns.

Photo from Asheville

The Government passing draconian laws is NOT THE ANSWER TO EVERYTHING! People living in flood plains should have to either buy flood insurance, which may be extremely expensive for them, or self insure. If they self insure and their home is wrecked by a flood, then they may loose everything. The Government (Tax Payers) should only provide very short term assistance after a disaster and should stop pouring billions of dollars into rebuilding areas that are destroyed every time that an anticipatable natural disaster occurs.

Furthermore, the rivers are cresting and more flooding is expected during the next 3 days in many cities according to this mornings weather Channel reports.
Here's the thing-
Mist if these cities that are expecting flooding are not in the flood zones.
Not in the 100 year flood plain.

In my experience in upstate NY living in a river town, the Federal government determines whether an area is within a flood plain. Local zoning regulations determine what can be built and where. About 10-12 years ago, there was a revision to the hundred year flood plain enlarging it considerably. For the folks living in the enlarged area, insurance rates went up.

When we had 12 inches in a day a few years back, thanks to the excellent civil engineering here, the houses stayed dry. 20”? It’s possible some houses would flood. In many cases, though, before that happened, a number of golf courses would turn into lakes, as they are designed for that. We’ve had water blocking golf cart paths on courses, but never the entire course turned into a lake.

Here's a 2018 presentation on our Storm Water Management System.

https://www.districtgov.org/PdfUpload/Storm%20Water.pdf

The Florida sand helps us a lot in inland areas. Florida's coastal regions were long ago bulldozed and filled in. Before that happened a lot of the coast was mostly marsh and wetlands. That acted as a buffer to absorb storm surge. Miami Beach used to be a swamp and marsh area.

Its complicated
 

Flood Insurance Rate Maps (FIRMs) are developed and published by FEMA, they show where the expected flood zones are at the time the map was developed/published. Municipalities are given the opportunity to develop flood mitigation plans that if adopted can make Federally subsidized flood insurance available to property owners in that community. There is a wealth of information about current flood zones available on the FEMA website, as well as digital maps, and where to obtain coverage. Also, a tool for you to simply enter your street address and find out what flood zone a property is in.

According to the Federal Flood act federally guaranteed loans where the property is situated in the 100-year flood zone must obtain some form or flood insurance. Unfortunately, most of us stop there, and if we are not required to purchase coverage we often do not. However, as we have seen in recent decades severe weather events often cause flooding well beyond the 100-year flood zones.

The reality is that every property is in a flood zone, and there are many levels [A, B, C, X, X-, V] and given constant development, changing weather patterns, shifts in hydrology and other factors many properties may be exposed to a higher risk of flooding than they realize.

What is the solution? No silver bullets I fear, - - however, since the federal act was passed in 1968, National Flood Insurance has been available in participating communities. If it’s available and affordable it’s worth checking out, self-insurance (planned retention of the peril(s) of flood) might only be for those who have the financial ability to sustain the loss (few if any individual homeowners have this ability) so a last resort is avoid owning property in high risk areas, …………. After that there are no simple options so, identify, quantify, evaluate and act or take no actionion.

"Flood Plain" is generally considered any area that has a 1% chance of flooding (once in 100 years), based on their elevation. The boundaries can be changed, when additional information is developed for a specific area. It is considered an "A" area and anyone with a mortgage from a federally backed or regulated bank is required to have FEMA Flood Insurance.

"V Areas" are known as Velocity Zones, and are also required to have FEMA Flood insurance. They don't necessarily have a designated elevation, but are subject to coastal storm conditions. Same as above, required to have Flood Insurance.

An over simplification, but the basics.

One of the problems, is the FEMA maps aren't updated as regularly as required by law, because of budget constraints. Many FEMA maps haven't been updated since the 70's.