What Does Flood Insurance Cover?

This is will difficult if there housing is severely reduced in value due to the risk that are there of flood. Therefore to increase profits and chances of breaking even, they should provide the initial flood defences for the housing. This will increase the saleability of the housing and profitability of the firms. It also provides social benefit for those that are buying the housing. Yet you could say that the cause of the flooding is not directly the housing estates firms fault and should not have to pay for the provision.

In coastal flooding the coastal areas are flooded due to storm activity at sea. The waves break through coastal defenses and submerge the area.

A natural disaster is something that we cannot avoid, but we can mitigate the effects. Flooding is a natural disaster that we mostly experience in our community, and in case of a flooding in LAPS we should be able to act towards it. An important question we can ask to ourselves is, how can we help LAPS in case of a flooding? There is many different ways that we can help this organization, one is by

Flooding is one of the many risks that people and their private properties assume when they consider living in a specific geographic location. This is true for the residents of Howard County, as they live near the Chesapeake Bay, whose tributaries branch off into smaller rivers, streams and lakes. Due to the fact that Howard County is more developed in the southeast and more rural in the west, there is a correlation between the risk of flooding and the presence of human development. (any cite here?) Natural factors play an integral role in determining the probability of flooding in a particular section of the county as well. People and their private properties are highly impacted by flooding, as it can cause death and injuries to humans

Floods are a bit different, because they can be planned for to some degree. It is possible to warn people that a flood is coming, and time to prepare (or evacuate) can mitigate the damage (Schneid & Collins, 2001). People can also choose not to live

In 1987 an atmospheric river heated Los Angeles ,the consecutive rain for more than 5 days made this the largest Flood that had happen in Los Angeles. This is best know as the California Great Flood. Houses, infrastructure, landfill were under water and hundreds of people die. This Flood has been the most expensive flood recorder in Los Angeles history. Billions of dollars were the total sum of losses left by the Flood as a result the entire state of california was declared in bankruptcy. Los angeles is not a place where hurricanes are generated due to its location but it is affected by El nino and atmospheric rivers that year after year are increasing its power. Is a vulnerable city where flood can occur at anytime , due to it topography

However, could be caused by burst water pipes in a building or by extremely high rainfall. The former would not constitute a major disaster, but is distressing including causes a lot of trouble. Floods caused by heavy rain are usually known about in advance. Moreover, The Environment Agency issue warnings to enable us to make decision about what to do as well as support building managers decide if clearing is necessary. So, if the building is in known flood risk area, then flood plan should be in place in the same way that organisation have fire procedures, the staff will know what to do if flood happens. Furthermore, when you working in health and social care environment a flood plan should be taking into account all the times in case a flood was to happen.

The purpose of this paper is to evaluate the 21st Century Flood Reform Act and to provide a recommendation on whether the Senate should vote for or against it. In order to provide an informed recommendation, this paper will first present background information on the 21st Century Flood Reform Act and explain what it proposes. Following the background information, this paper will analyze arguments both in support and in opposition of the 21st Century Flood Reform Act. To conclude, this paper will make a recommendation, based on the analysis, on how the Senate should vote for the 21st Century Flood Reform Act.

The flooding in South Carolina caused over $1 billion in damage. Thousands of residents, many surprised to find that their homeowners insurance does not cover flood damage, have had their lives shattered without any public assistance. Seventeen people have been killed, hundreds have been evacuated and thousands of homes have been destroyed, including the state capital of Columbia. Over 500 roads and bridges have been closed and tens of thousands of homes have been left without water and

Flooding is most frequently caused from substantial precipitation when waterways are full and the additional water has nowhere to go. Though rainfall isn’t always the cause of floods; they can be the outcome of other occurrences, mostly in coastal areas where inundation can be triggered by a storm surge linked with a tropical cyclone, a tsunami or a high tide corresponding with above average river levels.

The purpose of this report is to geologically evaluate the potential hazards for flooding in Hazard City. This report will include a detailed historic and extrapolated Stream Gauge Data Worksheet, as well as a graph of the Discharge Frequency Curve expected on Clearwater River. The report will provide Hazard city with my scientific analysis, conclusions, and provide recommendations concerning potential flood damages.

flood risk areas are broken down into High risk, Moderate and Low risk areas with many layered categories of all three levels. After re-reading my Preferred Risk Policy/Flood Policy Declaration, for my houses in Hawaii and Colorado, they both fell under Flood Risk Zone X, which is classified as a moderate flood hazard area. For example, my home in Colorado, the flood map area is 08041C0575F, and since it is not classified for risk for floods, it was classified as an “X.” Through the Flood Insurance Rates Map (FIRM), which is the “The official map of a community on which FEMA has delineated both the special hazard areas and the risk premium zones applicable to the community.” (fema.gov) So with a $20,000 coverage for the building and $8,000 coverage for personal belongings, both with a $1,000 deductible, our yearly premium is $417.00. I thought this was an acceptable premium considering the unknown risk, but I should be more cognizant in my community to get an actual assessment, and hopefully get a reduced premium, by “providing affordable insurance for property owners and by encouraging communities to adopt and enforce floodplain management regulations.” (fema.gov) Some of things I think off the top of my head that the communities can do in order for their residents to be eligible are to install proper water run offs in the streets, have some sort of “green plan” for the area, Furthermore, my Colorado address is “shown on the FIRM, and are the areas between the limits of the base flood and the 0.2-percent-annual-chance (or 500-year) flood” (fema.gov) meaning low to moderate level of severe

Flooding happens all the time in Iowa, which is where I live. A flood is an overflowing amount of water, beyond its normal level, and over dry land mostly. The Central China Floods included a lot of background information and details common to floods and caused damage and destruction to property and lives that effected the region.

Floods and hurricanes occur every year, the consequence? Hundreds of people die and building and houses get destroyed. Then why do people still live in flood zones? There are several reasons why, one being that people enjoy the coastal view, people just want to live near their families, or because of houses in flood zones are cheaper. After a person does buy a house inside a flood zone, he/she would have to buy flood insurance, but they aren't just paying the full price themselves. Other peoples' tax money pays for half of the flood insurance, and a lot of them don't even live in flood zone areas! This is why I think building houses in flood zones should be banned, but I'm the only one who thinks this...

Flood control is a public good that helps to prevent flooding which, benefits the community, but can cause market failure.