Floods remain the most destructive natural hazard worldwide. Understanding and improving flood management at the community scale (i.e., levels larger than the individual or household, but smaller than regions, states, or nations) is
important in order to reduce communities’ vulnerability to floods. The growing literature examining flood management at the community scale has not emphasized analysis of the impacts of a flood-risk management policy on migration and development. We contribute new evidence on the impact of the Community Ratings System (CRS), a community scale federal program, on migration and development in the United States. The CRS program was created in 1990 to enable communities to voluntarily reduce flood risks, and in return, receive discounted flood insurance premiums. Using panel data (1970–2010), the study estimates fixed-effects regressions with robust standard errors clustered by group. The results indicate that the CRS discourages new construction and the construction of mobile homes or trailers in participating communities. Also, the CRS discourages population growth, but encourages people to stay in CRS participating communities. The study will benefit both academics and practitioners by helping to illuminate the impact of the CRS on migration and development, and improve our understanding of community-scale flood risk management.
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Flood Risk Management: Exploring the Impacts of the Community Rating System Program on Poverty and Income Inequality
Flooding remains a major problem for the United States, causing numerous deaths and damaging countless properties. To reduce the impact of flooding on communities, the U.S. government established the Community Rating System (CRS) in 1990 to reduce flood damages by incentivizing communities to engage in flood risk management initiatives that surpass those required by the National Flood Insurance Program. In return, communities enjoy discounted flood insurance premiums. Despite the fact that the CRS raises concerns about the potential for unevenly distributed impacts across different income groups, no study has examined the equity implications of the CRS. This study thus investigates the possibility of unintended consequences of the CRS by answering the question: What is the effect of the CRS on poverty and income inequality? Understanding the impacts of the CRS on poverty and income inequality is useful in fully assessing the unintended consequences of the CRS. The study estimates four fixed‐effects regression models using a panel data set of neighborhood‐level observations from 1970 to 2010. The results indicate that median incomes are lower in CRS communities, but rise in floodplains. Also, the CRS attracts poor residents, but relocates them away from floodplains. Additionally, the CRS attracts top earners, including in floodplains. Finally, the CRS encourages income inequality, but discourages income inequality in floodplains. A better understanding of these unintended consequences of the CRS on poverty and income inequality can help to improve the design and performance of the CRS and, ultimately, increase community resilience to flood disasters.
more » « less- NSF-PAR ID:
- 10030696
- Publisher / Repository:
- Wiley-Blackwell
- Date Published:
- Journal Name:
- Risk Analysis
- Volume:
- 38
- Issue:
- 3
- ISSN:
- 0272-4332
- Page Range / eLocation ID:
- p. 489-503
- Format(s):
- Medium: X
- Sponsoring Org:
- National Science Foundation
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This study presents the first systematic literature review of academic research on the FEMA Community Rating System (CRS) program. The CRS is a voluntary program created in 1990 as a means to incentivize communities in the United States to implement floodplain management activities that surpass those required under the National Flood Insurance Program. As participating communities adopt additional flood mitigation measures, flood insurance policyholders in those communities receive reductions in their flood insurance premiums. To identify studies for inclusion, the authors searched three academic databases using the keywords “Community Rating System” and “Federal Emergency Management Agency” and “Community Rating System” and “FEMA.” The search uncovered 44 studies that met the selection criteria (e.g., peer-reviewed, focus on CRS, and empirical) and are included in the review. The findings provide significant insights into the current state of research on the CRS. This paper concludes by providing some recommendations to policymakers aiming to enhance communities’ resilience to floods and by outlining a future research agenda for the academic and practitioner communities.more » « less
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Abstract Objectives As climate change continues to increase the frequency and severity of flooding in Bangladesh and globally, it becomes increasingly critical to understand the pathways through which flooding influences health outcomes, particularly in lower‐income and subsistence‐based communities. We aim to assess economic pathways that link flooding to nutritional outcomes among Shodagor fishing families in Bangladesh.
Methods We examine longitudinal economic data on kilograms of fish caught, the income earned from those fish, and household food expenditures (as a proxy for dietary intake) from before, during, and after severe flooding in August–September of 2017 to enumerate the impacts of flooding on Shodagor economics and nutrition. We also analyze seasonally collected anthropometric data to model the effects of flooding and household food expenditures on child growth rates and changes to adult body size.
Results While Shodagor fishing income declined during the 2017 flooding, food expenditures simultaneously spiked with market inflation, and rice became the predominant expenditure only during and immediately following the flood. Our nutritional models show that children and adults lost more body mass in households that spent more money on rice during the flood. Shodagor children lost an average of 0.36 BMI‐for‐age
z ‐scores and adults lost an average of 0.32 BMI units during the flooded 2017 rainy season, and these metrics continued to decline across subsequent seasons and did not recover by the end of the study period in 2019.Conclusions These results show major flood‐induced economic impacts that contributed to loss of child and adult body mass among Shodagor fishing families in Bangladesh. More frequent and severe flooding will exacerbate these nutritional insults, and more work is needed to effectively stabilize household nutrition throughout natural disasters and economic hardship.
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Abstract This paper develops the concept of flood problem framing to understand decision-makers’ priorities in flood risk management in the Los Angeles Metropolitan Region in California (LA Metro). Problem frames shape an individual’s preferences for particular management strategies and their future behaviors. While flooding is a complex, multifaceted problem, with multiple causes and multiple impacts, a decision-maker is most likely to manage only those dimensions of flooding about which they are aware or concerned. To evaluate flood decision-makers’ primary concerns related to flood exposure, vulnerability, and management in the LA Metro, we draw on focus groups with flood control districts, city planners, nonprofit organizations, and other flood-related decision-makers. We identify numerous concerns, including concerns about specific types of floods (e.g., fluvial vs pluvial) and impacts to diverse infrastructure and communities. Our analyses demonstrate that flood concerns aggregate into three problem frames: one concerned with large fluvial floods exacerbated by climate change and their housing, economic, and infrastructure impacts; one concerned with pluvial nuisance flooding, pollution, and historic underinvestment in communities; and one concerned with coastal and fluvial flooding’s ecosystem impacts. While each individual typically articulated concerns that overlapped with only one problem frame, each problem frame was discussed by numerous organization types, suggesting low barriers to cross-organizational coordination in flood planning and response. This paper also advances our understanding of flood risk perception in a region that does not face frequent large floods.
Significance Statement This paper investigates the primary concerns that planners, flood managers, and other decision-makers have about flooding in Southern California. This is important because the way that decision-makers understand flooding shapes the way that they will plan for and respond to flood events. We find that some decision-makers are primarily concerned with large floods affecting large swaths of infrastructure and housing; others are concerned with frequent, small floods that mobilize pollution in low-income areas; and others are concerned with protecting coastal ecosystems during sea level rise. Our results also highlight key priorities for research and practice, including the need for flexible and accessible flood data and education about how to evacuate.
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Abstract Flood exposure is increasing in coastal communities due to rising sea levels. Understanding the effects of sea level rise (SLR) on frequency and consequences of coastal flooding and subsequent social and economic impacts is of utmost importance for policymakers to implement effective adaptation strategies. Effective strategies may consider impacts from cumulative losses from minor flooding as well as acute losses from major events. In the present study, a statistically coherent Mixture Normal‐Generalized Pareto Distribution model was developed, which reconciles the probabilistic characteristics of the upper tail as well as the bulk of the sea level data. The nonstationary sea level condition was incorporated in the mixture model using Quantile Regression method to characterize variable Generalized Pareto Distribution thresholds as a function of SLR. The performance validity of the mixture model was corroborated for 68 tidal stations along the Contiguous United States (CONUS) coast with long‐term observed data. The method was subsequently employed to assess existing and future coastal minor and major flood frequencies. The results indicate that the frequency of minor and major flooding will increase along all CONUS coastal regions in response to SLR. By the end of the century, under the “Intermediate” SLR scenario, major flooding is anticipated to occur with return period less than a year throughout the coastal CONUS. However, these changes vary geographically and temporally. The mixture model was reconciled with the property exposure curve to characterize how SLR might influence Average Annual Exposure to coastal flooding in 20 major CONUS coastal cities.
