FEBRUARY 1996 Newspaper Headlines

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FEBRUARY 1996Newspaper Headlines

• Rivers Team Up Against the Suburbs
• Raging Rivers Play Havoc With Water Systems
• Floodwaters Strip Some of Nearly All Possessions
• Rising River Engulfs Entire Business District
• Worst Deluge in Decades

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RIVER CREST LEVELS

• Willamette at Salem
• Crest 35.1 ft.
• Flood Stage 28 ft.
• Normal 14.2 ft.
• Willamette at Portland
• Crest 28.5 ft.
• Flood Stage 18 ft.
• Normal 9.2 ft.

7.1 ft. above flood stage!!! 10.5 ft. above
flood stage!!!
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OTHER OREGON RIVERS

• River/Location Ft. Flood Stage
• Siuslaw River/Mapleton 9.5 ft.
• Santiam River/Jefferson 8.2 ft.
• Clackamas River/Estacada 7.4 ft.
• Wilson River/Tillamook 5.4 ft.
• Umatilla River/Pendleton 3.2 ft.

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February 1996
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PURPOSE OF THE NFIP
Reduce economic loss caused by floods

• Creates a partnership between local governments
  and federal government (via FEMA)
• Map the flood risk
• Set Minimum standards for construction
• Provide for Flood Insurance, mandatory
  requirements
• Promotes localized floodplain management

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NFIP COVERAGE February 2 12, 1996 Event

• NFIP Claims Paid 28,980,433.58
• 973 CLAIMS PAID
• 67.5 of claims paid - mapped high-risk
  floodplain
• 32.5 of claims paid - low-risk areas

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Examples of Other Damages February 1996 Event

• Public Infrastructure/Property
• ?186 Million in Damages Roads/bridges,
  utilities, public buildings, parks, debris
  clearance, etc.
• Uninsured Damages - Homes/Businesses
• ?400 million (?) in uninsured losses
• ?1,923 residential structures damaged. Many
  homeowners did not have flood insurance!!!
• ?Additional business losses not insured!!!

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Expect Out-of-pocket Costs Without a Flood
Insurance Policy

• Without flood insurance, individual assistance
  may be available BUT
• Must have fed. declaration including IA
• Limited cash grants may be available, up to
  26,200 per individual or household
• Most federal assistance is in the form of low
  interest loans

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Loan Vs. Insurance Do the Math!!

• LOAN 30 year, 50,000 at 4 interest,
• 240 a month or 2,880 a year
• INSURANCE 100,000 policy
• 42 a month or 500 a year
• FLOOD INSURANCE ALSO COVERS FUTURE DAMAGES SO
  COST OF POLICY COULD BE NEGATED!!!
• Source www.floodsmart.gov, Jan. 2006

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THE 100-YEAR FLOOD

• Popular perception This wont happen again for
  100 years!
• Reality could happen again at any time! 100
  year flood predicted 1 chance of occurring in
  any given year!
• And it did! Feb. 96, Nov-Dec. 96, Dec.-Jan. 97
• Less than the 100 year flood in some areas

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Nov.-Dec. 1996 Dec.-Jan. 1997

• Additional flood damages to homes, businesses,
  public infrastructure and public property (NFIP
  424 claims, 5million)
• Some counties were impacted by all three flood
  events!!
• Disaster assistance provided by FEMA, the Small
  Business Administration, and the National Flood
  Insurance Program for the 1996-97 floods exceeded
  217 million

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November 17 December 11, 1996
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December 25, 1996 January 6, 1997
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Lesson from 1996 Benefits of Land Use Planning

• In Washington State, there were 20 Presidential
  disaster declarations for flooding in the last 25
  years. During the same time in Oregon, there
  were only 3, despite the fact that the same basic
  weather patterns affected Oregon. This says
  something about Oregons land use program among
  other things, it shows that good land use
  planning has taken hold, in that development in
  the last two decades has largely been kept out of
  those areas that are most susceptible to
  flooding.
• Chuck Steele, Former FEMA R10 Director, June 1996

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Other Key Findings from 1996

• Older structures and mobile homes particularly
  vulnerable
• Enhance local land use planning for hazards
  tech. assistance, s
• Strengthen real estate disclosure laws

• Inventory landslides
• Climatic induced
• Other
• Move towards all-hazard mapping
• Enhance local regulation of landslide hazards

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Landslide Damages - Examples

• More direct loss of life from landslides than
  from flooding
• ODOT estimate for calendar year 1996,
  approximately 150 million was spent for
  landslide-related road repairs
• More than 700 slides in Portland area 30
  million damages

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NFIP And Landslides

• Mudflows are covered however, other types of
  landslides are not.
• Mudflows rivers of rock, earth, and other
  debris saturated with water a flowing river of
  mud or "slurry.
• Flood maps for Oregon do NOT indicate mudflow or
  other landslide risks.

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Addressing Landslide Hazards

• The NFIP is not a sufficient approach for
  landslides!
• Additional action required at state- and
  local-levels to address landslide risks
• Statewide Planning Goal 7 Natural Hazards
  provides a framework for local planning
  regulation

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Enhancing Landslide Mitigation

• Map the risk (scale/scope issues)
• More uniform adoption of local ordinances
• Require detailed site investigations, review by a
  qualified geologist or engineer
• Require design to mitigate the landslide hazard
  during/post construction