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1. Adapting our Flood Risk Policies to Changing Conditions

   https://doi.org/10.1111/risa.13692  

   Kousky, Carolyn ; Kunreuther, Howard ; Xian, Siyuan ; Lin, Ning ( February 2021 , Risk Analysis)

   Flooding causes more damage and severely impacts more people worldwide than any other natural disaster. Flood risk in many parts of the United States is projected to increase due to both continued floodplain development and climate change. Many of our institutions and public policies are not designed to address these changing risk conditions. The practice of grandfathering insurance premiums in the National Flood Insurance Program (NFIP)—allowing an insured to keep a lower rate even when risk has increased—is one such policy. We link a flood hazard model to a flood insurance premium calculator in order to provide illustrative calculations of the possible impact of grandfathering on program revenue and policyholder premiums due to sea level rise for a New York City neighborhood. We conclude by discussing how to preserve the financial soundness of the NFIP while addressing the affordability of insurance in the face of increasing flood risk.

    

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2. Flood Risk Management: Exploring the Impacts of the Community Rating System Program on Poverty and Income Inequality

   https://doi.org/10.1111/risa.12853  

   Noonan, Douglas S. ; Sadiq, Abdul‐Akeem A. ( June 2017 , Risk Analysis)

   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.

    

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3. Co-evolution of wetland landscapes, flooding, and human settlement in the Mississippi River Delta Plain

   https://doi.org/10.1007/s11625-016-0374-4  

   Twilley, Robert R. ; Bentley, Samuel J. ; Chen, Qin ; Edmonds, Douglas A. ; Hagen, Scott C. ; Lam, Nina S.-N. ; Willson, Clinton S. ; Xu, Kehui ; Braud, DeWitt ; Hampton Peele, R. ; et al ( May 2016 , Sustainability Science)

   Abstract River deltas all over the world are sinking beneath sea-level rise, causing significant threats to natural and social systems. This is due to the combined effects of anthropogenic changes to sediment supply and river flow, subsidence, and sea-level rise, posing an immediate threat to the 500–1,000 million residents, many in megacities that live on deltaic coasts. The Mississippi River Deltaic Plain (MRDP) provides examples for many of the functions and feedbacks, regarding how human river management has impacted source-sink processes in coastal deltaic basins, resulting in human settlements more at risk to coastal storms. The survival of human settlement on the MRDP is arguably coupled to a shifting mass balance between a deltaic landscape occupied by either land built by the Mississippi River or water occupied by the Gulf of Mexico. We developed an approach to compare 50 % L:W isopleths (L:W is ratio of land to water) across the Atchafalaya and Terrebonne Basins to test landscape behavior over the last six decades to measure delta instability in coastal deltaic basins as a function of reduced sediment supply from river flooding. The Atchafalaya Basin, with continued sediment delivery, compared to Terrebonne Basin, with reduced river inputs, allow us to test assumptions of how coastal deltaic basins respond to river management over the last 75 years by analyzing landward migration rate of 50 % L:W isopleths between 1932 and 2010. The average landward migration for Terrebonne Basin was nearly 17,000 m (17 km) compared to only 22 m in Atchafalaya Basin over the last 78 years (p\0.001), resulting in migration rates of 218 m/year (0.22 km/year) and\0.5 m/year, respectively. In addition, freshwater vegetation expanded in Atchafalaya Basin since 1949 compared to migration of intermediate and brackish marshes landward in the Terrebonne Basin. Changes in salt marsh vegetation patterns were very distinct in these two basins with gain of 25 % in the Terrebonne Basin compared to 90 % decrease in the Atchafalaya Basin since 1949. These shifts in vegetation types as L:W ratio decreases with reduced sediment input and increase in salinity also coincide with an increase in wind fetch in Terrebonne Bay. In the upper Terrebonne Bay, where the largest landward migration of the 50 % L:W ratio isopleth occurred, we estimate that the wave power has increased by 50–100 % from 1932 to 2010, as the bathymetric and topographic conditions changed, and increase in maximum storm-surge height also increased owing to the landward migration of the L:W ratio isopleth. We argue that this balance of land relative to water in this delta provides a much clearer understanding of increased flood risk from tropical cyclones rather than just estimates of areal land loss. We describe how coastal deltaic basins of the MRDP can be used as experimental landscapes to provide insights into how varying degrees of sediment delivery to coastal deltaic floodplains change flooding risks of a sinking delta using landward migrations of 50 % L:W isopleths. The nonlinear response of migrating L:W isopleths as wind fetch increases is a critical feedback effect that should influence human river-management decisions in deltaic coast. Changes in land area alone do not capture how corresponding landscape degradation and increased water area can lead to exponential increase in flood risk to human populations in low-lying coastal regions. Reduced land formation in coastal deltaic basins (measured by changes in the land:water ratio) can contribute significantly to increasing flood risks by removing the negative feedback of wetlands on wave and storm-surge that occur during extreme weather events. Increased flood risks will promote population migration as human risks associated with living in a deltaic landscape increase, as land is submerged and coastal inundation threats rise. These system linkages in dynamic deltaic coasts define a balance of river management and human settlement dependent on a certain level of land area within coastal deltaic basins (L). 

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4. A Flood Damage Allowance Framework for Coastal Protection With Deep Uncertainty in Sea Level Rise

   https://doi.org/10.1029/2019EF001340  

   Rasmussen, D. J. ; Buchanan, Maya K. ; Kopp, Robert E. ; Oppenheimer, Michael ( March 2020 , Earth's Future)

   Deep uncertainty describes situations when there is either ignorance or disagreement over (1) models used to describe key system processes and (2) probability distributions used to characterize the uncertainty of key variables and parameters. Future projections of Antarctic ice sheet (AIS) mass loss remain characterized by deep uncertainty. This complicates decisions on long‐lived coastal protection projects when determining what margin of safety to implement. If the chosen margin of safety does not properly account for uncertainties in sea level rise, the effectiveness of flood protection could decrease over time, potentially putting lives and properties at a greater risk. To address this issue, we develop a flood damage allowance framework for calculating the height of a flood protection strategy needed to ensure that a given level of financial risk is maintained. The damage allowance framework considers decision maker preferences such as planning horizons, protection strategies, and subjective views of AIS stability. We use Manhattan—with the population and built environment fixed in time—to illustrate how our framework could be used to calculate a range of damage allowances based on multiple plausible scenarios of AIS melt. Under high greenhouse gas emissions, we find that results are sensitive to the selection of the upper limit of AIS contributions to sea level rise. Design metrics that specify financial risk targets, such as expected flood damage, allow for the calculation of avoided flood damages (i.e., benefits) that can be combined with estimates of construction cost and then integrated into existing financial decision‐making approaches (e.g., benefit‐cost analysis).

    

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5. Using an urban growth model framework to project the impacts of climate change on coastal populations

   B. Naurath, J.L. Irish ( January 2023 , 2023 World Environmental & Water Resources Congress)

   Coastal populations are facing increasing environmental stress from coastal hazards including sea level rise, increasing tidal ranges, and storm surges from hurricanes. The East and Gulf Coasts of the United States (U.S.) are projected to face high rates of sea level rise and include many of the U.S.’s largest urban populations. This study proposes modelling land-use change and coastal change between 1996-2019 to project the impacts of intensifying coastal hazards on the U.S. Gulf and East Coast populations and to estimate how coastal populations are growing or retreating from high-risk areas. The primary objective is to develop a multifaceted spatial-temporal (MuST) framework to model coastal change through land-use projections and thorough analysis of the indicators of coastal urban growth or retreat. While urban growth models exist, one that presents an interdisciplinary evaluation of potential growth and retreat due to geographic factors and coastal hazards has not been released. This study proposes modelling urban growth using geospatial metrics including topographic slope, topographic elevation, distance to existing urban areas, distance to existing roads, and distance to the coast. The model will also use historic hurricane data, including storm track and footprint for named storms between 1996-2019 and the associated flood claims data from Federal Emergency Management Agency (FEMA), to account for existing impacts from coastal storms. Additionally, climate change data including sea level rise projections and future tidal ranges will be incorporated to project the impacts of future coastal hazards on urban expansion over the next 30 years (2020-2050). The basis of the urban growth model compares land-use change between 1996-2019 to complete a geospatial analysis of both the areas shifting from rural (agricultural, forest, wetlands) to urban, indicating growth and population data from 2000-2020, to evaluate coastal retreat or abandonment over the next 30 years. 

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