Flooding from California to Florida shows cracks in America's aging infrastructure - Insurance News | InsuranceNewsNet

InsuranceNewsNet — Your Industry. One Source.™

Sign in
  • Subscribe
  • About
  • Advertise
  • Contact
Home Now reading Property and Casualty News
Topics
    • Advisor News
    • Annuity Index
    • Annuity News
    • Companies
    • Earnings
    • Fiduciary
    • From the Field: Expert Insights
    • Health/Employee Benefits
    • Insurance & Financial Fraud
    • INN Magazine
    • Insiders Only
    • Life Insurance News
    • Newswires
    • Property and Casualty
    • Regulation News
    • Sponsored Articles
    • Washington Wire
    • Videos
    • ———
    • About
    • Meet our Editorial Staff
    • Advertise
    • Contact
    • Newsletters
  • Exclusives
  • NewsWires
  • Magazine
  • Newsletters
Sign in or register to be an INNsider.
  • AdvisorNews
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Exclusives
  • INN Magazine
  • Insurtech
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Video
  • Washington Wire
  • Life Insurance
  • Annuities
  • Advisor
  • Health/Benefits
  • Property & Casualty
  • Insurtech
  • About
  • Advertise
  • Contact
  • Editorial Staff

Get Social

  • Facebook
  • X
  • LinkedIn
Newswires
Property and Casualty News RSS Get our newsletter
Order Prints
May 19, 2023 Property and Casualty News
Share
Share
Post
Email

Flooding from California to Florida shows cracks in America's aging infrastructure

Daily Legal News, The (Youngstown, OH)

(THE CONVERSATION) Heavy downpours and a thick snowpack in the Western mountains and Upper Midwest have put communities in several states at risk of flooding this spring – or already under water.

Flooding is the costliest type of natural disaster in the U.S., responsible for about 90% of the damage from natural disasters each year. It happens almost every day somewhere in the country.

Yet, much of the aging infrastructure meant to protect U.S. communities is in bad shape and, in some cases, failing. The American Society of Civil Engineers gave the nation's dams, levees and stormwater infrastructure a D grade in its latest report card, in 2021.

Help is coming. Congress authorized billions of dollars for infrastructure projects under the Infrastructure Investment and Jobs Act in 2021. But there's a problem: New infrastructure planning frequently relies on historical flood patterns for its benchmarks rather than forecasts of changing risks as the climate warms.

We study flood risks and mitigation strategies as civil and environmental engineers. As federal funding for infrastructure rolls in, communities run the risk of spending millions of dollars on systems that weren't built to handle the flood risks ahead.

Infrastructure is failing

Much of the nation's flood control infrastructure was designed for 20th century storms and flooding. And in many cases, stormwater systems, levees and dams are now approaching the end of their useful life, or are already well beyond it.

The nation's river levees are 50 years old on average. Retention ponds are meant to last 20-30 years on average. Stormwater systems are also aging, and retrofits in cities like Chicago and Philadelphia are getting expensive.

Midland, Michigan, saw the risks in 2020 when heavy rainfall caused the Edenville Dam, built in 1925, to collapse. The rush of water overwhelmed a second downstream dam, creating a disaster that drained two lakes and damaged or destroyed more than 2,000 homes. The dams' owner had lost its hydropower license for the Edenville Dam two years earlier, in part for failing to widen its spillway for safety.

Increasing damage like this has pushed federal flood insurance costs higher – more than three times higher in parts of coastal Louisiana and Florida under the Federal Emergency Management Agency's new risk-based premiums, newly released FEMA data show. At the same time, many of the people most at risk when places like Pajaro, California, and Fort Lauderdale, Florida, flood are low-income families who can least afford the costs of recovery without help.

Old data won't protect against future flood risk

The Infrastructure Investment and Jobs Act, the most significant U.S. infrastructure law in recent years, includes $55 billion in new spending for water infrastructure – money that is making its way to communities. But that's barely an eighth of what the American Society of Civil Engineers estimates is needed for drinking water, wastewater and stormwater infrastructure improvements.

And another problem arises when the money arrives.

Often, new infrastructure is designed using historical data, such as past high-water marks and storm intensity, to determine future flood risk. However, climate change is moving those baselines.

Years of satellite observations have shown that, globally, both extreme wet and extreme dry conditions have increased in extent, duration and severity. A warming atmosphere can hold more moisture, leading to stronger downpours. As heavy precipitation intensifies, more frequent and severe flooding events have hit the U.S.

The Federal Emergency Management Agency currently estimates that 13 million Americans – around 4% of the population – live in 100-year flood zones, meaning at least a 1% chance of flooding in a given year. But FEMA's maps often overlook smaller streams that frequently run through heavily populated areas.

Federal flood maps also take years to update. Many still rely on decades-old data and fail to consider the rising risks from climate change. That can lead to complacency for community leaders and residents – until it's too late.

There are alternatives that communities can use to help align their planning with a more likely future.

Researchers working with the nonprofit First Street Foundation developed some of the first U.S. flood maps that account for future flood risk at the local level. They estimate that climate change alone will increase U.S. flood damage by 26% by 2050 and expand into areas that rarely saw severe flooding in the past. With people continuing to build in high-risk areas, the costs and number of people at risk rise even higher.

What can communities do?

Protecting communities starts with changing the status quo, including incorporating climate change into infrastructure planning and developing innovative policies for better flood management.

Stopping construction of new homes in flood-prone areas can help avoid future damage and the need for expensive infrastructure, though political pressure and housing shortages can make these measures difficult.

Buyouts of flood-prone homes to prevent rebuilding are expensive and slow, but they have been used in over 1,100 counties in almost every state to avoid repeated flooding. In some cases, moving away from coastlines and riversides is the only option. Known as managed retreat, it is gaining interest, particularly in communities at risk from sea level rise, but it's also controversial. Success largely depends on whether the effort is community-led.

Nature-based solutions, such as bioswales, wetlands and rain gardens, can be relatively affordable methods to help capture and absorb rainwater, reducing the amount of runoff that flows into rivers and exacerbates flooding.

But for many communities to remain unchanged, building and maintaining large-scale infrastructure will be necessary. Designing structures like levees or seawalls so they can be expanded or raised in the future is one strategy that can ultimately save money.

Innovative and sustainable funding mechanisms will likely be needed to support flood resilience efforts. One option is establishing local dedicated funds to finance flood resilience initiatives, supported by government grants, private donations and small local taxes. Managed well, these funds could invest in long-term solutions and sustainable land practices that can reduce the frequency and severity of flooding.

Many communities are making an effort, often pushed by residents lobbying officials to prioritize flood initiatives and investments designed to stand up to the future. Changes won't happen overnight, but taking proactive measures and supporting innovative solutions will benefit communities in the long run and is the fiscally responsible thing to do.

This article is republished from The Conversation under a Creative Commons license. Read the original article here: https://theconversation.com/flooding-from-california-to-florida-shows-cracks-in-americas-aging-infrastructure-help-is-coming-but-fixes-too-often-fail-to-anticipate-future-disasters-204237.

Older

Flood insurance costs are about to explode. ZIP codes closest to the coast will pay the most.

Newer

Foley Represents Goosehead Insurance in Acquisition of Vivint Smart Home Insurance Book

Advisor News

  • How advisors can prepare clients for an uncertain retirement landscape
  • Investors aren’t waiting out uncertainty
  • Transamerica and Advo(k)ate Advisors launch pooled employer plan
  • ‘I wish I’d met him sooner:’ Karlan Tucker remembered for integrity, faith
  • Why women must be more engaged in investing
More Advisor News

Annuity News

  • NAIC regulators begin consensus phase on annuity illustration overhaul
  • AM Best Revises Outlooks to Negative for Subsidiaries of Group 1001 Insurance Holdings, LLC
  • Market-value adjusted annuities: Key considerations for advisors
  • Private equity’s next play in insurance
  • Immediate Care Plan: A new solution for funding LTC
More Annuity News

Health/Employee Benefits News

  • New York made $21.6M in improper Medicaid payments
  • 'WE'LL SEE YOU IN COURT': HUMAN RIGHTS CAMPAIGN FOUNDATION FILES CLASS ACTION IN FEDERAL COURT AGAINST TRUMP ADMINISTRATION'S OPM
  • Supporting small businesses starts with smarter benefits conversations
  • NEPA sees health insurance enrollment drop after enhanced subsidy cuts
  • Abbott seeks thinner, cheaper health plans
More Health/Employee Benefits News

Life Insurance News

  • Supporting small businesses starts with smarter benefits conversations
  • Judge again tosses Penn Mutual whole life lawsuit alleging tax scam
  • Declined by a machine? The end of the unexplainable no
  • AM Best Revises Outlooks to Negative for Subsidiaries of Group 1001 Insurance Holdings, LLC
  • Court sides with Ameritas in denying $4M STOLI payout to Wells Fargo
More Life Insurance News

NEWS INSIDE

  • Companies
  • Earnings
  • Economic News
  • INN Magazine
  • Insurtech News
  • Newswires Feed
  • Regulation News
  • Washington Wire
  • Videos

FEATURED OFFERS

Press Releases

  • Ibexis Announces Expanded Bank Relationships and New Index Options for FIA Plus® and WealthDefender® Series
  • Agent Review Launches Video AI Identity Verification to Help Protect Insurance Professionals, Consumers and Public Trust
  • Prosperity Life GroupSM Launches Prosperity PathWaySM Series, Bringing Greater Choice and Flexibility to Retirement Income Planning
  • Senior Market Sales® Fortifies Annuity Reach With Acquisition of Retirement Planning Firm Stratton & Company
More Press Releases > Add Your Press Release >

How to Write For InsuranceNewsNet

Find out how you can submit content for publishing on our website.
View Guidelines

Topics

  • Advisor News
  • Annuity Index
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • From the Field: Expert Insights
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Magazine
  • Insiders Only
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Washington Wire
  • Videos
  • ———
  • About
  • Meet our Editorial Staff
  • Advertise
  • Contact
  • Newsletters

Top Sections

  • AdvisorNews
  • Annuity News
  • Health/Employee Benefits News
  • InsuranceNewsNet Magazine
  • Life Insurance News
  • Property and Casualty News
  • Washington Wire

Our Company

  • About
  • Advertise
  • Contact
  • Meet our Editorial Staff
  • Magazine Subscription
  • Write for INN

Sign up for our FREE e-Newsletter!

Get breaking news, exclusive stories, and money- making insights straight into your inbox.

select Newsletter Options
Facebook Linkedin Twitter
© 2026 InsuranceNewsNet.com, Inc. All rights reserved.
  • Terms & Conditions
  • Privacy Policy
  • InsuranceNewsNet Magazine

Sign in with your Insider Pro Account

Not registered? Become an Insider Pro.
Insurance News | InsuranceNewsNet