When Rivers Rise Fast – Flood-Smart Living: Simple Steps to Protect your Home

This article provides comprehensive guidance for individuals residing or working in floodplains, detailing methods to assess flood risk, secure flood insurance, and implement property protection measures. It begins by explaining that low-lying areas near creeks and rivers are designated as floodplains, inherently carrying a higher risk of flooding. Property owners and residents are encouraged to determine if their location falls within a floodplain using resources like PortlandMaps.com or by contacting the Bureau of Development Services. These resources can identify if a property is in a FEMA Special Flood Hazard Area (SFHA) or a 100-year floodplain, which has a 1% or greater chance of flooding annually. The article emphasizes the critical importance of flood insurance, noting that standard homeowners' insurance typically does not cover flood damage. It highlights that properties within Portland's 100-year floodplain automatically receive a 25% discount on flood insurance premiums due to the city's participation in the Federal Emergency Management Agency’s (FEMA) Community Rating System (CRS). Portland's Class 5 rating in the CRS, placing it among the top 15 percent of participating communities, is attributed to its commitment to restoring natural floodplain functions, a comprehensive stormwater management approach, updated floodplain codes, environmental zoning, public information availability, and the designation of significant floodplain areas as parks and open space. The article advises checking for sewer backup insurance alongside flood coverage and directs readers to FloodSmart.gov for more information. Practical steps for protecting property from flood damage are outlined, including elevating belongings and mechanical systems above anticipated flood levels, removing items from basements and avoiding their use as living or workspaces, installing sewer backflow prevention, and physically elevating homes. The Bureau of Development Services staff are available for discussions on flood hazards and retrofit options. For construction activities within a floodplain, strict regulations apply to protect both the property undergoing development and adjacent properties. A permit is mandatory for building, altering, regrading, or adding fill, ensuring compliance with city, state, and federal requirements and preventing negative impacts on other properties. New residential buildings in floodplains must be constructed at least two feet above the 100-year flood level, with a one-foot minimum for properties in the Columbia River floodplain. No new construction or filling is permitted in a floodway unless a hydrologic analysis confirms it will not increase the base flood elevation, with a reference to Portland City Code for detailed regulations. The article also addresses flooding and drainage issues for properties located outside the 100-year floodplain, particularly in areas like SW Portland where hilly terrain and dense soils can lead to unmanaged stormwater runoff. Residents are advised to help maintain storm drains, green street planters, and ditches, and to report drainage problems to PBOT 24/7 Maintenance Dispatch. Environmental Services offers technical advice and property visits to discuss drainage solutions. Managing rain on one's property is also suggested as a proactive measure. Contact information for Environmental Services and for construction and development inquiries in floodplains is provided, along with links to related resources on flood safety, Johnson Creek flood gauge, landslides, and flood hazard regulations. #FloodplainPreparation #FloodInsurance #PropertyProtection #FloodplainRegulations #StormwaterManagement #CommunityRatingSystem #BuildingCodes #DisasterPreparedness

Experiencing a home flood can be a devastating event, leaving homeowners with significant damage and a complex recovery process. The initial steps after a flood involve ensuring safety and then systematically documenting the damage for insurance claims. Homeowners should immediately contact FEMA and their insurance agent to initiate the claims process. It is crucial to meticulously document all damage through videos and photos, capturing close-ups of damaged items before removal. For larger items like carpet or flooring, a sample should be cut and saved for the adjuster. Keeping detailed records of all communications with the insurance company, including dates, times, and discussion points, is also vital. When meeting with the insurance adjuster, homeowners should verify their identification and be prepared with their policy number and records of damaged belongings. Requesting an advance or partial payment if necessary is an option. All communication with the adjuster should ideally be in writing, such as email, to maintain a clear record. No repairs should commence without written approval from the adjuster. For large claims, hiring a public adjuster who works independently on the homeowner's behalf can be considered, though potential fees should be scrutinized. The adjuster will assess direct flood damage, provide a flood certification number, and offer a suggested Proof of Loss, but they do not approve or deny claims. The Proof of Loss statement should be reviewed carefully for accuracy and submitted within 60 days, or a shorter period if specified by private insurance. Homeowners can file for additional payments if repair costs exceed initial estimates and can add new damages to their claim if discovered later. It is important not to accept an initial estimate if it does not fully cover the loss. During this period, homeowners should be wary of robocalls from scammers claiming insurance lapses and contractors offering suspiciously low bids or demanding large upfront payments. Relying on reputable, licensed, and bonded contractors is essential. Re-entry into a flooded home requires extreme caution. Local authorities' advice should be followed. Entry is prohibited if damaged power or gas lines are visible, or if the house structure appears compromised. Ceilings and floors should be checked for instability before entering rooms. Any smell of natural gas or propane necessitates immediate evacuation and a call to the fire department. Power should not be turned on or off while standing in water, and flooded basements should only be entered after a qualified technician has removed the electrical meter. All floodwater should be assumed contaminated, and protective gear like waders, rubber boots, and gloves should be worn to avoid contact with debris, chemicals, and animals. Hand hygiene with soap and clean water is crucial, and mold-contaminated areas require additional protective equipment like goggles and respirators. Cleanup efforts must be conducted safely. Ventilate the area by opening all doors, windows, cabinets, and drawers, especially if the house was closed for more than 48 hours. Do not connect generators or other electrical systems unless deemed safe by an electrician. Immediate, safe actions to prevent further water ingress, such as laying a tarp, should be taken after photographing the damage. Extensive repairs should ideally wait until the adjuster's assessment. Water in basements should be removed gradually, about one-third per day, to prevent structural damage. Standing water elsewhere should be removed quickly, and fans and dehumidifiers used if electricity is safe. All unsealed or flood-exposed food must be discarded. Drywall, insulation (except closed-cell foam), carpets, and padding that came into contact with floodwater should be removed, and samples saved for the adjuster. Upholstered furniture and window coverings may need to be discarded unless professional restoration is possible. Items that cannot be adequately sanitized should be permanently discarded. Mold cleanup should follow EPA guidelines, and all surfaces should be scrubbed and disinfected without mixing cleaning products. Appliances need professional inspection before salvage, and submerged outlets or switches must be replaced by a licensed electrician. Rebuilding offers an opportunity to implement floodproofing measures. Homeowners should select contractors carefully, checking reviews, experience, and asking for multiple estimates. Recommendations from insurance agents or adjusters can be valuable. It is important to avoid settling for shoddy workmanship. All receipts for temporary repairs should be kept for reimbursement. Floodproofing strategies include building new homes or elevating existing ones at least two feet above required zoning, adding flood openings to crawl spaces, basements, or garages, using flood damage-resistant materials like closed-cell foam insulation, and selecting nonporous flooring with water-resistant sealants. Elevating appliances like AC units and water heaters can also prevent future damage. Financial assistance and tax relief may be available through FEMA programs and the IRS for those in presidentially declared disaster areas. Additionally, reviewing flood insurance coverage with a trusted agent is highly recommended to ensure adequate protection against future events. The article emphasizes community support and preparedness as critical elements in recovery and resilience. #FloodRecovery #HomeInsuranceClaim #DisasterPreparedness #FloodDamage #HomeSafety #PostFloodCleanup #HomeRebuilding #InsuranceTips #FEMAAssistance

The article addresses the growing concern of increased severe weather events, specifically extreme rainfall and widespread flooding, due to global climate change. It highlights that even regions historically less prone to such phenomena, like the Sahara Desert and Saudi Arabia, have experienced significant flooding. The central theme revolves around innovative solutions and evolving strategies to protect homes and infrastructure from flood damage. The piece notes the emergence of a specialized industry focused on flood mitigation over the past two decades, offering advancements beyond traditional methods like sandbags. It underscores the devastating impact of even minimal floodwater ingress, emphasizing the financial and emotional toll on homeowners. Ian Gibbs MRICS, national technical manager at Sedgwick International UK and chair of the DEFRA Flood Resilience Roundtable, provides expert insights. He points out that while winter storms have always brought flood risks, the current climate necessitates preparedness for intense rainfall events throughout the year, regardless of a property's proximity to rivers or coastlines. Gibbs explains that insurers seek not just theoretical risk reduction but tangible proof of effectiveness from flood resilience measures. He discusses the shift from purely resistance measures (designed to stop water entry, such as flood doors and barriers) towards a greater acceptance of recoverability measures, which aim to minimize damage and accelerate recovery when water does enter a property. This approach reduces the need for constant intervention and maintenance. The article then details several practical and technological solutions for flood defence. Mobile flood barriers are presented as a versatile option, including lightweight, reusable fences like Boxwall, and systems like Aquafence, which famously protected Tampa General Hospital during Hurricane Milton. Other innovations include interlocking plastic crates, such as the Floodstop Barrier by Fluvial Innovations, and the WIPP (water-inflated property protector) system, a large, inflatable barrier that uses floodwater itself for deployment and can be compactly stored. For domestic use, barrier socks offer a simpler alternative to sandbags, swelling with moisture to block water entry. Beyond physical barriers, the article explores high-tech solutions. The University of Sheffield's CENTAUR system, an AI-powered sewer management tool, is highlighted for its ability to monitor drainage networks in real-time, identify spare capacity, and divert water to prevent urban flooding. While successful in trials in cities like Coimbra and Toulouse, its limitation lies in scenarios where no spare sewer capacity exists. LiDAR technology, although not directly preventing floods, is presented as a crucial mapping tool for identifying flood-vulnerable areas, offering detailed topographical scans to improve flood modelling. An automated flood barrier by Hochwasserschutz Reitthaler, which detects heavy rainfall and automatically raises to protect properties, is also mentioned. Permeable road surfaces are introduced as an urban solution to reduce water pooling. These surfaces, often made with loosely packed granite chips, allow hundreds of litres of water per square metre per minute to drain through, preventing surface water accumulation. Finally, the concept of flood resilience is discussed for highly flood-prone areas. This approach advocates for adapting homes to minimize damage rather than solely fighting water entry. Examples include raising electrical sockets, installing non-return valves, and using waterproof flooring. Gibbs emphasizes that there is no universal solution and stresses the importance of consulting qualified surveyors who follow established codes of practice to develop tailored flood resilience strategies combining resistance and recoverability measures with increased preparedness from occupants. #FloodResilience #ClimateChangeAdaptation #SmartSolutions #UrbanPlanning #WaterManagement #PropertyProtection #DisasterPreparedness #InfrastructureDevelopment