Arthur (Andy) Felts

It can’t happen to me

September 12th, 2011 - Arthur (Andy) Felts  

As we watched Irene skirt along the East Coast, it became very clear that many buildings in both coastal and inland communities could see serious flooding. Also of note was that evidently many owners do not have flood insurance.

Many may not know that regular homeowner’s insurance does not cover flooding. This was the reason for protracted legal cases on insurance reimbursement after Katrina. If a home was destroyed by water (flood), then private insurers did not have to reimburse for damages. If the owner had enough foresight to buy flood insurance—separately purchased through an insurance agent but backed by the US government’s National Flood Insurance Program (NFIP)—then they would be reimbursed. If the home was destroyed by wind, then private insurance would cover—but when a home was simply gone in an area that had both high wind and water, it was very difficult to say which destroyed it.

Homes and buildings in high-risk flood areas with mortgages from federally regulated or insured lenders are required to have flood insurance. But many homes that could flood in an exceptional event are not required to have flood insurance. Such homes are not within a FEMA defined “flood zone.”

 Zones that begin with “A” or “V” are high-risk flood zones, and the purchase of flood insurance is federally mandated on loans secured by properties located in communities that participate in the National Flood Insurance Program. Zones “C,” “B,” and “X” have a lower risk of flooding, and the federal mandatory purchase requirements do not apply. “V” flood zones are on the coast and are subject to wind-driven water, i.e., waves. “A” zones are subject to a 1% or greater chance of flooding in any given year; in short, they are in the 100-year flood plain.

Since most people buy their homes with a mortgage, if they are not required to buy flood insurance they assume they do not need it. With water forced many miles inland and torrential rains, many Katrina property owners found out the hard way that they were not going to be reimbursed or only partially reimbursed for their loss.

Access to outside resources—in this case, insurance money—is a critical part of community resilience. In lower flood risk areas, NFIP-backed insurance can be as low as $129 a year. That seems like a very small amount to insure against the risk of total loss.

Resilient communities build public awareness of the risks they face and the potential losses—they do not rely on mortgage companies to tell them their risk. No doubt many without flood insurance wished they had known this as they watched Irene move up the coast.

Arthur (Andy) Felts

Individual Versus Community Resilience

May 25th, 2011 - Arthur (Andy) Felts  

One of the more interesting things to me about the flooding that is occurring in our heartland is that some are going to extraordinary measures to preserve their property. Recently, a picture of a single home, sand bagged, was shown. Gas generators were pumping what water seeped in as it inevitably did. The home was a bit of an island in a sea. It depended upon gasoline (or diesel) that might not be as readily available in a matter of hours. If it had a fire, then no fire department could respond. If someone broke in, then no police department could respond.

I do not fault any homeowner for trying to protect their investment. It is only natural. However, as they say, there are three things that are important about the value of a piece of property. Location, location, and location.

When I first moved to Charleston, I purchased a home next to one that was under construction when Hurricane Hugo hit. It was a pile of wood after that and was not removed for three years. That affected the value of my home. But more importantly, it robbed me of neighbors and a sense of place so I could watch them plant flowers and have kids playing in the yard. Instead, I lived with a pile of rubble for three years. That was not good.

I want to be careful in saying this-so I will do so as straightforwardly as I can. CARRI is about community resilience. Individual resilience contributes to that. But becoming a resilient community is more than that. The saying is that ‘no person is an island.’ But that is exactly one sense I got in watching the sand bagged home surrounded by water. In the best of all possible worlds, that home would become an anchor for rebuilding a neighborhood. But more anchors might be necessary and would certainly factor in people deciding to live there.

As we watch the flooding, we should realize that we are in a common boat, figuratively speaking. Community resilience is about learning how to protect our communities. In the end, the community is what caused us to choose to live where we did.

admin

Flood Resilient Communities: National Flood Insurance Program Saves Money, Property, Lives

May 25th, 2010 - admin  

Note: This is the first of three blog entries on flood resilient communities

Flooding is the one disaster to which every community is vulnerable. And as we have learned from the recent flood devastation in Nashville and New Jersey, property owners considered outside delineated flood zones can have a rude awakening if the rains hit hard and fast. Many residents and business owners outside the 100-year floodplain believed themselves safe from flooding and did not have flood insurance. They had a harsh lesson from which we can all learn.

Since standard insurance policies do not cover flooding, property owners have the opportunity to purchase protection through the National Flood Insurance Program (NFIP) if their community meets FEMA requirements to adopt and enforce ordinances for reducing flood risks.

While community participation in the NFIP is voluntary, nearly 21,000 communities across the United States and its territories participate. Only in participating communities do homeowners, renters and business owners have access to federally backed flood insurance.

Having and enforcing an adequate floodplain management plan is a mark of a resilient community. Adopting standards that exceed NFIP standards means a community might sustain even less damage and recover more quickly. Translated: floodplain management saves money, property, and lives.

Beyond that, there are costs to a community for not participating in the NFIP. Federal officers or agencies, such as Veterans Affairs or Federal Housing Administration, are prohibited from approving any form of financial assistance related to land located in a Special Flood Hazard Area. If a Presidential disaster is declared, no federal financial aid can be used to repair or reconstruct flood-damaged homes.

Without community oversight of building activities in the floodplain, the best efforts of some to reduce future flood losses can be compromised by the careless practices of others. Likewise, insurance rates will be adversely affected.

After a disaster, non-participating communities can apply to join the NFIP within six months and, if accepted, limitations on federal disaster assistance will be lifted. But after a disaster is not the best time for a community to undertake an application. Neither is it wise for individuals to secure insurance after the flood damages or destroys a home or business, or to wait for the forecast that predicts severe flooding since most insurance programs don’t allow for last minute policies.

There are distinct benefits for living in a flood resilient community. Exceeding the minimum NFIP requirements can mean insurance discounts of between 5 and 45 percent. Further, the program has resulted in insurance reductions of nearly $1 billion annually. According to the NFIP, buildings that meet flood construction standards suffer approximately 80 percent less damage than non-compliant structures.

It’s worth noting that FEMA reports that up to 25 percent of NFIP flood insurance claims are paid on buildings that are outside the mapped Special Flood Hazard Area, those areas where floodplain management regulations must be enforced and where flood insurance is mandatory.

Resilience begins at home. The best way to protect your investment in your home is to have adequate coverage. If you live in a community that is not in the NFIP, private insurance can be purchased. Visit www.floodsmart.gov for a listing of agents by community. You can find out if your community participates in the NFIP by going to www.fema.gov/fema/csb.  If your community is not part of the program, you can petition your local government to participate.

For those not subject to the NRIP regulations requiring flood insurance, it is especially important to self-regulate and purchase insurance and use flood damage-resistant materials and building practices. Stay tuned, this is the subject of the next blog on flood resilient communities.

Ann Farrar

Gulf Coast Resilient Home Building Conference March 19-21, 2010

March 8th, 2010 - Ann Farrar  

The Gulf Coast Resilient Home Building Conference will be held March 19-21, 2010 at the Mississippi Coast Convention Center in Biloxi, Mississippi.  This Conference is presented in cooperation with the Home Builders Association of the Mississippi Coast 23rd Annual Home and Garden Show.  The purpose of the Conference is to help put communities along the Gulf coast on a path toward greater resilience to natural disasters through the construction of strong homes that can withstand high winds and water.  The Conference will feature a combination of education sessions, a demonstration exhibit and product vendors. 

The Conference Planning Committee would like to thank the Home Builders Association of the Mississippi Coast for their scholarship donations within the continuing education component of the Conference.  Registration deadline is March 12, 2010; information regarding the Conference Education Sessions can be found at  http://www.resilientus.com/rhbc-education-sessions.html.

Warren Edwards

A Resilient Building Certification Program

December 22nd, 2009 - Warren Edwards  

From the very beginning the Community and Regional Resilience Institute has been progressing toward a way for communities to be certified as resilient. That is one of the most significant reasons to establish a sound intellectual construct in the “Common Framework for Community Resilience” that will lay the foundations for an eventual certification program. Because of this, we are always interested in programs that will look at aspects of community resilience certification.

At a recent meeting in Atlanta, an expert panel consisting of representatives from government, academia, insurance, non-profit organizations, and designers, came together to address aspects of what a resilient building certification program should entail. The meeting was hosted by the Resilient Home Program, a partnership between Clemson University, North Carolina State University (NC State), Savannah River National Laboratory and the US Army Corp of Engineers – Construction Engineering Research Lab and funded by the Southeast Region Research Initiative (SERRI).

The meeting was part of the ongoing efforts of the Resilient Home Program, which was established to determine the way in which home owners prepare for, and recover from, natural disasters; to find ways to make new and existing homes more resilient; to educate the public on home resiliency; and to encourage homeowners to take steps to make their homes more resilient. read the entire article >

Arthur (Andy) Felts

Community Trajectory

June 3rd, 2009 - Arthur (Andy) Felts  

One of the observations on community resilience that the CARRI team has agreed on relates to the ‘trajectory’ of a community before a disaster. By this, we mean, broadly, the direction a community is taking pre-disaster. Our working hypothesis is that the trajectory of a community will affect the speed of its recovery or whether it may recover at all.

A simple example will explain:

In terms of housing and construction, Hurricane Katrina could not have hit at a worse time during the two decades prior to 2005. The storm and post-disaster period coincided with the leveling off and major downturn of the housing finance (hence construction) market in the US. Financial institutions were reluctant to lend money to either developers or individuals seeking to rebuild. As a result, recovery in the Gulf has obviously been hampered. A downward trajectory makes recovery much more difficult.

In this case, the trajectory of the Gulf Coast communities affected by Katrina was part of a national trend and mostly beyond their control. read the entire article >