Are you in the dark about what your insurance policy will provide after a hurricane? Did you know that you may have coverage for food that spoils when the power fails even if your home isn’t damaged? Moreover, did you know that food spoilage coverage is often deductible-free?
Are you aware that a special, separate policy is required to cover flood? Did you know that flood policies have a 30-day waiting period? Will your coverage limits provide enough to repair and rebuild if your home is damaged?
These are the kinds of questions that you can answer during an annual insurance checkup to keep your policy current and keep you in the know before hurricanes strike.
Amanda Chase, State Farm Agent
This week’s Strong Homes, Safe Families! podcast interview and checklist (click here) focus on the insurance checkup or annual review—your way to make your policy #HurricaneStrong. My expert guest for this podcast is Amanda Chase, a State Farm insurance agent in Winter Park, Florida.
Financial Security: Having the resources to repair and recover from hurricanes
Insurance Checkup: Review policies, obtain advice on coverage and updates
Hurricane Deductibles: How they work, when they kick in
Understand Exclusions and Eliminate Surprises: What a policy pays for (and doesn’t)
Capitalize on Building Codes: Save money on insurance with discounts for good building practices, safety features and more
Nonprofit Federal Alliance for Safe Homes (FLASH) announces a research-informed initiative to address missing or outdated building codes across the United States
The nonprofit Federal Alliance for Safe Homes (FLASH)® Partnership today announced consumer research findings and analysis underpinning a new transparency initiative entitled, No Code. No Confidence. Inspect to Protect.org. The organization created the effort after consumer surveys revealed that Americans are highly confident that building codes are already “in place” even though most communities at-risk for disaster are without necessary structural codes and standards for safe and optimal building performance.
Two separate tracks informed to the campaign creation. First, behavior-focused studies indicated that while most consumers are not concerned or interested in codes, they strongly rejected the idea that codes may be absent or inadequate. Moreover, eight of ten assumed, incorrectly, that they are at least moderately protected by building codes. Another two-thirds of those surveyed indicated they would be very or extremely concerned to learn they had no code at all using words such as terrified to describe the scenario.
A companion effort focused on engineering analysis of residential building codes in more than twenty-three thousand U.S. cities and towns facing floods, high wind, hurricane, seismic, or tornado hazards. The analysis revealed that only 7,265 of the 23,000 communities had building codes with disaster-resistant provisions incorporated for both commercial and residential codes. This means that 69% of evaluated U.S. communities facing one or more of the above-described hazards is doing so without the benefit of current, relevant structural building codes.
“The research validates what we have always believed. Consumers are largely unaware of the dangerous gap between building code adoption, enforcement, and disaster risk,” said FLASH President and CEO Leslie Chapman-Henderson. “They do not understand that they may live in a community without the protection of current, modern building codes and standards. That is why we’re providing them with a way to find out where they stand.”
InspectToProtect.org allows consumers to identify the building codes used in their community currently by inputting their address to see a map with a color-coded analysis of red, yellow, green, or black. The colors indicate residential code versions based on the best available, verified national data, and reflect the status of International Residential Code (IRC) model adoption. Consumers should contact their local building or planning department to learn about the code enforcement requirements as well as they may be voluntary, mandatory, or nonexistent.
“The best way to predict home performance before a disaster is to understand how it was built,” said Chapman-Henderson. “That’s why we are bringing this information out in the open. The No Code. No Confidence. initiative and InspectToProtect.org website are unprecedented efforts to de-complicate building codes for consumers and empower them with the knowledge to better prepare for severe weather events and natural disasters.”
Today, FLASH is launching a communication campaign to promote the new initiative. The campaign includes thought-provoking Public Service Announcements like the “Four-way Stop”, and a 2D movie trailer animation depicting the “Tale of Two Towns.” Social media advertising will help drive consumers to the website as well.
The project is a multi-year effort and new elements and data will be continuously incorporated.
The nonprofit Federal Alliance for Safe Homes (FLASH) is the country’s leading consumer advocate for strengthening homes and safeguarding families from natural and manmade disasters. The FLASH partnership includes more than 100 innovative and diverse organizations that share a vision of making America a more disaster-resilient nation including: BASF Corporation, FEMA, Florida Division of Emergency Management, Huber Engineered Woods, International Code Council, ISO, Lowe’s, National Weather Service, Portland Cement Association, Simpson Strong-Tie, State Farm, and USAA. In 2008, FLASH, and Disney opened the interactive weather experience StormStruck: A Tale of Two Homes, in Lake Buena Vista, FL. Learn more about FLASH and access free consumer resources by visiting http://www.flash.org, calling toll-free (877) 221- SAFE (7233), following @federalalliance on Twitter, on Facebook.com/federalalliance, and the FLASH blog – Protect Your Home in a FLASH.
This is the eighth installment from our new commentary paper entitled, “Learning from the 2017 Disasters to Create a Reliably Resilient U.S.” The full commentary will be shared on June 1 to mark the beginning of the 2018 hurricane season.
The 2017 disasters revealed, and in all cases reminded us, that we have tremendous opportunities to mitigate and lessen impacts of these events. One of the most powerful means of improvement can come through better use of science that is incorporated into policy and practice on a reliably systematic basis. That is why our strategy is to mainstream useful science into use by leaders either as enlightened public policy or for use by all who affect our disaster resilience as improved building practices.
This is the case for collaboration with code officials, design professionals, elected officials, emergency managers, homebuilders, journalists, meteorologists, product manufacturers, and many others. But our most important target audience for sharing empowering information is the one with the most at stake: the consumer.
We focus on knowledge dissemination and application of developed research. We look to existing literature on how individuals perceive their vulnerability to disaster and the adoption of hazard adjustments, looking to research across disciplines, including communication, sociology, anthropology, political science, and psychology.[i] We continuously examine and adjust our risk communication techniques, defined as the intentional efforts on the part of one or more sources to provide information about hazards and hazard adjustments through a variety of channels to different audience segments.[ii]
In the end, we advance understanding to drive change.
Takeaways from 2017 – The Disaster Safety Movement Mandate for Action
Initially, we found the prospect of identifying trends and drawing conclusions out of the 2017 experience one of our most difficult tasks. However, despite the geographic diversity of hazards from floods and high wind to power outages and wildfires, we have found common themes and a clear mandate for improvement through commitment to these pillars.
Modern, model building codes, standards, and floodplain regulations that are adopted on time and effectively enforced are non-negotiable.
Communities in the path of Hurricane Harvey fared better if they were elevated, like those in the Woodlands Reserve. A photographic array of homes along the coast in Rockport, Texas depicts different levels of damage depending on the vintage of the building code followed. So far, the stark differences in buildings that either failed or performed during Harvey is driving reexamination by responsible Houston and Texas leaders regarding floodplain management. We urge them to embrace more uniformly adopted and enforced residential codes as well, especially for counties without protections in place.
In the Keys, Hurricane Irma showed that homes built to the excellent Florida building code performed well, even when tested to near design-level winds. This validates our contention that Florida leaders need to reverse their 2017 legislative action and revert to the proven system to preserve Florida’s strong and certain codes. When they do, they can spare the Keys, and the entire hurricane-exposed Florida peninsula, a steady degradation of the best asset to ensure citizen safety and economic vitality after future hurricanes.
Homes built in Puerto Rico using cast-in-place concrete withstood high winds and a great deal of flooding too, but code enforcement should be improved territory-wide to ensure the benefits extend to all the island’s communities. Modernization of the building code system in the USVI is underway, and their efforts can serve as a model for leaders in the Caribbean, as well as stateside.
Wildfires in California make the case for evaluation of wildfire potential beyond the WUI, redefinition of at-risk communities, better mapping, investment in updated landslide maps, and expanded prohibition of combustible building materials and components.
Indisputably, building codes, standards, and smart floodplain management are the first and most important lines of defense in disasters of all kinds. If our structures fail, resilience is impossible. These default protections should be put in place to blunt inertia and simplification biases for leaders and to provide protection for communities.
The basics are not basic, they are everything. We cannot repeat the core messages enough.
Those in the disaster safety and resilience community have learned and shared the same disaster safety messages repeatedly, but our familiarity should not cloud the need for ordered risk communication coupled with a constant reexamination of the efficacy of our efforts.
Mass marketing is a thing of the past. A “one size fits all” messaging approach does not work for diverse audiences, and now is the time to bring our most creative ideas and enthusiasm to messaging the basics of disaster safety against what sometimes seems like the Sisyphean task of reaching everyone. All audiences need to hear essential, key messages that will empower them to become resilient in the face of a single disaster, or multiple, major disasters in rapid succession like in 2017.
Perhaps our first and most important step is to develop an accepted set of heuristics, or “rules of thumb” to drive improved communication effectiveness. During the last few years, the FEMA Individual and Community Preparedness Division took on this challenge by creating a compendium of multi-hazard protective actions to boost safety in disasters. Now we need to spread this knowledge.
Earlier in this commentary, we outlined the FLASH #HurricaneStrong outreach campaign that created a simple, common language and “call to arms” to drive buy-in and preparedness actions before hurricanes. The campaign has not only given trusted voices a way to support five consistent messages, it has evolved into a community designation program that allows leaders to declare and articulate support for resilience.
A #HurricaneStrong community meets established objective and subjective criteria that drive improvement in safety, the built environment, economic resilience, and overall public engagement of hurricane-prone communities. Leaders following proven steps to safeguard their citizens will be now recognized for doing so.
We must improve messaging to individuals, families, and community leaders before, during, and after disasters. Then, we must make the conversation two-way.
The Ostrich Paradox describes two cognitive systems. System one is for automated and instinctive thoughts, and system two is for more controlled thoughts. The authors describe late evacuations during Superstorm Sandy in a storm surge area as an example of a lack of knowledge of the hazard (storm surge) combined with an impulse to act from the first cognitive system (fear).
The biases at work here may include myopia (evacuating is more difficult/expensive than the short-term comfort of staying in my home); amnesia (the last hurricane wasn’t that bad); optimism (it won’t happen to me; forecasts change); inertia and simplification (there are so many things to do to evacuate, so I’ll just stay home); and herding (none of my neighbors are evacuating; a culture of we don’t leave our houses/we’ll be fine).
At the time of this writing, we do not have complete analysis of the precise patterns of decision-making that led to evacuation action or inactions in 2017, but we see a clear need for new collaborative research regarding evacuation behavior for storm surge, high winds, and wildfires. Additionally, we need more research-informed messaging insights to address the low percentage of flood insurance purchases, especially by those with economic means who reside in the high hazard areas.
We need to understand the message disconnect between perceived need and necessary behavioral change, and we need to accomplish this soon. It is our understanding that only 20% of the more than 136,000 homes flooded by Hurricane Harvey were insured for flood damage. According to FEMA, these families will qualify for an average of only $9,000 of assistance to rebuild under the programs currently in place. In many cases, the assistance is a loan that must be repaid.
How can we convey these harsh realities ahead of the next storm? Moreover, as we hone our message to improve effectiveness, how do we devise systems that allow for two-way communication as well?
Beyond traditional audiences who bring challenges as described above, it is our conviction that citizens with disabilities, access, and functional needs deserve and require more intense, individualized attention and messaging as well.
We must prioritize them, and that leads us to our next and final pillar.
Inclusive disaster-resilience planning and practice is not mainstream.
Harvey, Irma, and the California wildfires reminded us to ensure our disaster preparations are tailored to our family’s needs, yet those with disabilities, access, and functional needs require extra preparations and assistance.
The nation watched in shock as Harvey-induced flooding left elderly residents of one Texas nursing home sitting in rising waters. Hurricane Irma generated power outages in South Florida, and twelve residents in one nursing home died after they succumbed to the unbearable, excessive heat. The California Wildfires resulted in the deaths of many older adults[iii], highlighting that limited mobility and unreliable cellphone service must be considered when preparing this population.[iv]
These outcomes should remain the focus of our most intense efforts at improvement. These citizens deserve our highest order of care.
To ensure we never forget, we need to accept, embrace, and advance the adage that those who can get ready without assistance have the responsibility to do so. Once we prepare, we can stand aside and allow the finite available resources to focus on those that need them.
The 2017 events demonstrate that we have a great deal more work to do to fulfill our potential and obligation to serve this population in our communities.
[i] National Research Council. 2006. Facing Hazards and Disasters: Understanding Human Dimensions. P. 107. Washington, DC: The National Academies Press; Sheppard, Ben, Melissa Janoske, and Brooke Liu. “Understanding Risk Communication Theory: A Guide for Emergency Managers and Communicators,” Report to Human Factors/Behavioral Sciences Division, Science and Technology Directorate, U.S. Department of Homeland Security. College Park, MD: START, 2012. http://www.start.umd.edu/sites/default/files/files/publications/UnderstandingRiskCommunicationTheory.pdf
[ii] National Research Council. 2006. Facing Hazards and Disasters: Understanding Human Dimensions. p.112. Washington, DC: The National Academies Press. doi: 10.17226/11671.
This is the fifth installment of posts that make up our new commentary paper entitled, “Learning from the 2017 Disasters to Create a Reliably Resilient U.S.” The full commentary will be shared on June 1 to mark the beginning of the 2018 hurricane season.
Irma made initial landfall in the Florida Keys on September 10, and then moved north up Florida’s Gulf Coast. Models showed that the storm was headed directly for Miami but it took a turn to the west that helped it avoid a direct hit.[i] Irma was almost as large as the state of Texas, and both Florida coasts felt hurricane-force winds.[ii] Irma destroyed an estimated 95% of buildings in parts of St. Martin, and devastated parts of St. Barts and the Virgin Islands.[iii] The Florida Keys and the southwestern Florida coastline experienced damage, and flooding occurred in already oversaturated parts of Florida and southern Georgia.[iv] Irma’s eyewall passed north of Puerto Rico knocking out power in an eerie foreshadowing of the direct hit by Maria later the same month.
Irma had a widespread impact on the power grid, resulting in 16 million people across the southeastern U.S., mostly in Florida, losing power.[v]
What We Knew
We knew the need to prepare for power outages, including the critical messages surrounding safe operation of generators to avoid carbon monoxide poisoning. Tragically, carbon monoxide deaths occurred, and deaths from heat exhaustion occurred as well. The most shocking cases included the deaths of twelve residents of a South Florida nursing home located across the street from a hospital.
We knew that homes in Florida could be subjected to hurricane winds, even inland. In 2004, Hurricane Charley cut across the middle of the state to wreak havoc on Central Florida, toppling 10,000 trees in Orlando alone. However, Irma was unique in how it covered the state in forecast projections. The omnipresent storm threat made it extremely difficult for families to make evacuation judgments and plan their routes, especially as the forecast track shifted.
Regardless of the typical difficultly brought by a shifting track, evacuation in areas subject to storm surge should be automatic, no questions asked. “Run from the water” is the adage. Anticipating wind damage makes the evacuation calculus a little trickier.
During Irma, many families were unsure if their home was strong enough to endure the potential category 3, 4, or 5 storm. Those with homes built since the new Florida Building Code, March 2002 and after, were more confident. However, forecasters have a difficult time pinpointing the exact location where a hurricane will make landfall until it is generally too late to evacuate. Further, many people do not know when their home was built or to what standard. We believe this was part of why thousands of Floridians evacuated. And, as the entire state was in the shadow of the potential Irma landfall, most headed north and found themselves in heavy traffic.
Charley, Irma, and many other hurricanes have repeatedly proven that storms can affect any area of Florida. That is why we believe that all Florida homes should be built to withstand hurricanes. Imagine the confidence and ease that thousands of families would have enjoyed if they knew, with certainty, how their home would perform under high-wind conditions. Moreover, imagine the reduction in community upheaval that the confident, in situ population would enjoy.
The current Florida Building Code is strong, and it appears that buildings built to meet the Florida Building Code performed well. The Florida Keys may have experienced a test of the code by experiencing nearly the design level (the highest wind speeds that the building code is designed to withstand), but most of Florida did not experience design-level wind speeds.
Nonetheless, newer homes performed better as they were without the roof degradation caused by the Florida sun and heat, and the materials were less worn overall.
This makes the building code story in Florida very ironic. The newspapers celebrated the strong homes that survived, crediting the strong Florida building codes. Fast-forward five years or more, and this success may not be replicated due to the legislative change made in 2017 and described in our post on May 1 entitled, The Build-Destroy-Rebuild Barrier to Resilience. Florida is now statutorily-destined to steadfastly fall behind and miss out on innovations that could help lessen damage in years to come.
This policy outcome was a clear case of myopia. The short-sighted focus on the minor administrative costs of maintaining an updated building code won out against the long-term safety benefits. And amnesia. Florida had gone a long time without experiencing a severe hurricane threat.
Irma brought devastation to the Florida Keys, but we cannot forget the devastation Irma brought to the Caribbean.[vi] These outcomes should serve as a reminder to the rest of Florida and the U.S., that Irma’s impact could have been so much worse if early predictive models had come to fruition.
How We Are Moving Forward
Hurricane Matthew in 2016 and Hurricane Irma in 2017 had the potential to bring wide scale, utter devastation to Florida. Fortunately, neither storm lived up to its full forecast potential, even though there were disastrous and catastrophic impacts for many who suffered death, injury, anxiety, fear, flooding, damaging winds, and power outages.
As such, we must work harder and more creatively to convey the risk at any level to individuals, families, businesses, and leaders while we simultaneously convey the simple and economical things that can be done to protect both people and buildings.
As discussed in the last blog post about Hurricane Harvey, the most powerful and economical thing to do to protect people and buildings is to adopt minimum building standards through use of a modern building code. Minimum codes should be uniformly in place in every community as they deliver premier consumer protection against natural disasters losses and a means to ensure everyday safety and durability as well.
Transparency is one of the strongest tools for improved consumer fairness. We believe that is exactly what is needed in the building code policy arena. In an earlier blog, we referenced survey findings that identified a gap between consumer understanding of building performance in disasters and building codes. In the same survey, we also identified high consumer expectations of builders and leaders regarding disaster resilience. What this tells us is that while consumers may not always understand the direct correlation between building codes and improved building performance in disasters, they do have a strong expectation of their leaders to keep them safe. Perhaps we can close the gap between consumer expectations and resilience policy leadership by adding these insights to the growing body of powerful economic studies that demonstrate the return on investment of mitigation.
Many local leaders already understand their community’s expectations as well as the economic case, and some are acting by preventing further degradation of sound building code policies.
In 2018, while Florida leaders did not reverse the negative building code legislation that weakened the system in 2017, they did reject H.B. 299, a measure proposed by the homebuilding industry that would have weakened the quality and integrity of the Florida Building Commission. The unsuccessful measure proposed to shrink the body by eliminating many of the seats for relevant specialty professions that currently serve.
Additionally, the Florida Legislature passed legislation requiring every nursing home and assisted living facility in Florida to have emergency generators.[vii]
In the Florida Keys where Irma’s high winds did the most damage, local leaders in Monroe County have pushed for a new regulation to require all roofs be constructed using wind-resistant metal. The Monroe County Board of County Commissioners discussed this issue during its January 17, 2018 meeting.
Another positive trend is that flood insurance sales are increasing and private flood insurance offerings are growing, albeit at a very modest pace. This is only possible due to law changes that allow for private companies to participate.
Perhaps the best model of resilience leadership is in North Florida where Leon County experienced damage and extensive power outages from Hurricane Hermine in 2016. In 2017, the North Florida county (my home) was briefly predicted to endure a direct hit from Hurricane Irma.
Following those experiences, Leon County Government leaders identified the desire to advance resilience and partnered with FLASH to explore available programs and initiatives to accomplish same. Through the collaboration, we identified the opportunity to prototype a #HurricaneStrong community by benchmarking against existing, objective and subjective criteria of various resilience elements, including the following:
Engaged Leadership (Elected Officials, Staff)
Current, model building codes adopted/enforced
Excellent BCEGS rating (1-4)
Excellent Floodplain Management/CRS Rating
Widespread Community Awareness/Outreach (multiple programs)
NOAA/NWS StormReady Designation
Resilient Businesses/Organizations – Completion of the FEMA/FLASH Ready Business Workshops and protocols
Resilient School Systems
Through the initiative, Leon County Government has expanded public outreach programming, invested in the Ready Business workshop effort, and is serving as an ambassador to other communities to raise awareness and provide support to engage community leaders across the state and country.
We announced this initiative in March at the National Hurricane Conference, and nearly a dozen additional communities came forward to pursue the honorary designation. We see this as another positive indication of leadership intentions regarding resilience, and we look forward to highlighting these leaders and sharing the news as the next #HurricaneStrong communities come online.
This is the second installment from our new commentary, “Learning from the 2017 Disasters to Create a Reliably Resilient U.S.” In this discussion, we explore cases where the barriers to rebuilding resiliently overcome the best post-disaster intentions.
By now, it is well established that 2017 was a year for the disaster record-books. The 2017 hurricane season delivered 17 named storms, with 10 forming hurricanes.[i] For the first time in recorded history, three category 4 hurricanes hit the U.S.[ii] Harvey set a new tropical rainfall record with over 60 inches in Texas.[iii] Irma maintained a record-breaking category 5 strength for 37 hours.[iv] The 2017 California wildfires were the deadliest wildfire disaster in state history.[v] Even Ireland had a hurricane.
The 2017 Tubbs, Atlas, and Thomas fires in central and southern California each exceeded $1 billion in losses.[vi] Insurance claims from 2017 California wildfires have reached $11.8 billion, the most expensive series of wildfires in California history.[vii] Hurricanes Harvey, Irma, and Maria caused approximately $265 billion in damage, with each hurricane joining Katrina and Sandy as the new top five costliest U.S. hurricanes on record. [viii]
This is just a portion of the destruction. According to NOAA, the 2017 total loss picture for all weather and climate disasters exceeded $300 billion, making it the costliest disaster year in modern history.
So, what are our opportunities to address the rising costs of disasters?
First, it is important to understand America’s natural disaster policy history and the repeating pattern we have observed. This pattern is a reoccurring cycle with little divergence. Earthquakes, floods, hurricanes, tornadoes, and wildfires happen causing catastrophic loss of life and property. Temporarily, the events rivet the public’s attention, and (sometimes) motivate post-event solutions like better building codes, improved floodplain regulations, retrofitting programs, strengthened infrastructure, and a more prepared and aware populace in the disaster-affected communities.
All too soon, the disasters fall out of the nation’s view and become a strictly local matter. After all, disasters are local events. The affected local community next moves through recovery for years, sometimes even a decade. But somewhere along the line, the original passion to rebuild better or leverage new building science solutions can fall away either due to more concern for short-term costs or in response to opposition from those that eschew strong and strict development and building safety rules. Perhaps even worse, sometimes the original solutions that incorporate better practices may be implemented only to be diluted or reversed over time.
Alabama Adopts a Statewide Code Without Enforcement
One example of how initial commitments can wane is in Alabama where the infamous 2011 Tuscaloosa tornado outbreak caused 65 deaths and 1,500 injuries, according to NOAA. It cost an estimated $100 million to remove the debris from Tuscaloosa alone.[ix] And this was one tornado of the tornado outbreak between April 25 and 28th, responsible for nearly 350 deaths. According to academic, post-tornado engineering reports, lives would likely have been saved if Alabama had a residential building code in place before the tornadoes occurred. This insight supported a policy debate that led to enactment of the first statewide Alabama building code. Unfortunately, the Alabama statewide code is only voluntary, ergo not enforceable. At its best, it is weak as a tool to drive resilience.
It is important to note that some coastal Alabama leaders have adopted and do enforce model building codes as well as beyond-code programs like the Insurance Institute for Business and Home Safety (IBHS) FORTIFIED initiative. However, the balance of the state is still without the certainty of minimum life-safety protections afforded by a well-enforced statewide building code.
Jacksonville, Alabama was struck by deadly EF3 tornadoes in March of 2018. Forensic engineering examinations are underway now, but we believe they will reinforce the same message as in the past: that well-enforced codes would have made a material improvement in building performance. Of course, wood-frame homes built to the most recent code cannot resist an EF4 or EF5 tornado, but most tornadoes, even during larger events, are EF3 and below. Therefore, if homes are built to a modern code, and have safe rooms built to Federal Emergency Management Agency (FEMA) 320 or storm shelters tested and approved to meet the International Code Council/National Storm Shelter Association 500 standard, we could save lives and homes.
This idea is the premise of the “Dual-Objective-Based Tornado Design Philosophy” first proposed by Dr. John van de Lindt, Dr. David Prevatt, and others following forensic engineering investigations of deadly tornado outbreaks.
Louisiana Downgrades Flood Protection in the Bayou State
Another example is Louisiana. In 2005, after Hurricane Katrina, the legislature enacted their first statewide residential building code, yet last year the legislatively-created building commission adopted the latest model code version without the minimum one-foot flood elevation (freeboard) requirement. The building commission did so despite recent experience with the 2016 East Baton Rouge flooding—an event that presented a billion-dollar case for preserving the minimum requirement
Prior to adopting the downgraded minimum code, a review of Louisiana’s 350 at-risk flood communities revealed that less than ten percent (33 jurisdictions) required the beneficial minimum one-foot or greater freeboard requirement. Adoption of the new 2015 version of the International Residential Code intact, without weakening the requirement, would have raised the standards for the remaining 317 at-risk communities, bringing new homes to a higher standard. Homeowners would have qualified for annual, flood insurance premium discounts; local officials would have retained the authority to exceed the minimal requirement if so desired; and taxpayers would have been protected from avoidable future disaster costs.
Moreover, according to the U.S. Department of Housing and Urban Development (HUD) data, more than 24,000 of the homes affected in the East Baton Rouge event endured flooding of one foot or less. Arguably, if these homes had been constructed under the new proposed freeboard requirement, 24,000 families would have avoided costly, disruptive, and life-altering damage and recovery time.
Despite this timely evidence, the Louisiana State Uniform Construction Code Council dropped the freeboard minimum. As a result, Louisiana homes flooded in the future will lack elevation protection unless they are in one of the 33 jurisdictions that implement elevation requirements.
Florida Reverses Twenty-Five Year Code Leadership Legacy
Another example of the eroding commitment to resilience policy is in Florida, where state leaders last year upended the state’s nationally-acclaimed building code system.
Now, instead of mandatory, on-time updates every three years, the Florida Building Commission will use an approach that is certain to fall behind the minimum standards. Instead of using the model building code as the foundation upon which Florida-specific amendments are made, the system has been flipped. Now, we will have a patchwork of random, piecemeal updates that could undermine safety for all structures where we live, work, and play in the highly populated, and highly disaster-prone State of Florida.
The net effect is that Floridians can no longer count on the certainty of a “latest and greatest” building code that addresses normal, as well as disaster-related practices. New science and innovation will be left behind. The only updates to the new model codes that are guaranteed to be included in the Florida Building Code will be those to maintain eligibility for federal funding and discounts from the National Flood Insurance Program (NFIP), FEMA, and HUD; however, no clear process has been established to facilitate this outcome
There can be material financial costs to this policy as well. States with enhanced mitigation plans that include modern, model codes that are current and consistently enforced qualify for more federal disaster relief dollars. Typically, such states or tribal governments receive Hazard Mitigation Grant Program funds based on 20% of the total estimated eligible Stafford Act disaster assistance, versus 15% for those with non-enhanced mitigation plans.[x]
Flood Insurance Sales Rise Then Fall as Memories Fade
We see many examples of this cyclical pattern in public policy, as well as public behavior. Consider how flood insurance sales spike, level off, and drop after disaster memories fade as they did following the “Great” Missouri and Mississippi River Floods in 1993, Tropical Storm Allison in 2001, Hurricane Ike in 2008, and so many more. Will the pattern persist after Hurricane Harvey as well?
It may take decades for families affected by Harvey to forget the case for flood insurance, if ever. But the overall evidence is clear. According to FEMA, only 25% of those that need flood insurance have a policy in force today.
Beyond the Building Code – Behavior
While we believe resilience is impossible without building codes, there are additional critical drivers. Levels of individual and family preparedness in disaster zones can either strengthen or weaken disaster resilience, and as trusted voices, leaders provide an important impetus for individual action.
When inspired to do so, individuals will prepare at home, evacuate when ordered, and buy earthquake or flood insurance as the best hedge again financial ruin. But are we inspiring the public to drive resilience or just instructing them?
Editor’s Note: Our third next installment is entitled, “Human Biases – Barriers or Boosts to Resilience?” and will apply insights on risk communication from “The Ostrich Paradox” by Drs. Robert Meyer and Howard Kunreuther, a must-read for anyone working to advance disaster safety behavior change.
The nonprofit Federal Alliance for Safe Homes (FLASH) today reiterated its strong opposition to Senate Bill 1312 by Senator Keith Perry of Gainesville that would forever alter and weaken Florida’s nationally-acclaimed building code system.
Slated for consideration today, Senate Bill 1312 eliminates the requirement to update the Florida Building Code every three years using model building codes as the starting point or foundation. The measure instead proposes that the Florida Building Commission will review the model codes for changes “one at a time.” The proposed approach would not only be more complex, expensive and inefficient than the current system, but it will stymie progress and lead to building failures during ordinary and catastrophic times alike.
“We oppose this harmful legislation as it takes Florida backward to an inferior system that will leave families and communities at unnecessary risk,” said FLASH President and CEO Leslie Chapman-Henderson. “Sadly, decades of documented history indicate that our state must maintain a compulsory update system based on model codes or risk a return to a patchwork system of unequal construction standards and inferior, poor quality homes. This proposed, weakened system would leave Floridians exposed to physical danger and economic ruin.”
The proposal will:
• Move the current Florida Building Code steadily away from continuity with national, model codes;
• Place $60 million of flood insurance premium savings at risk;
• Compromise conformity across cities and counties leaving residents with unequal levels of protection—an antiquated system;
• Place unfair burdens on local governments to keep pace with innovation and new science without provision of necessary, additional resources;
• Overburden the Florida Building Commission that lacks the resources to approximate the national, model code development process (a $9 million per year investment);
• Introduce costly uncertainty and a lack of confidence that will drive down ratings by agencies, insurers, and catastrophe modelers; and,
• Cause avoidable, unfair and unnecessary suffering for consumers and communities for years to come.
Chapman-Henderson concluded, “After the deaths and billion dollar losses of Hurricane Andrew, Florida forged the most admirable building code system in the nation. Senate Bill 1312 would forever undermine that legacy, so we urge Florida’s leaders to protect our system, and reject any measure that places it at risk.” Additional information and resources are available in the commentary, The Case for Preserving Florida’s Building Code System.
The Florida Building Codes enacted, enhanced, and consistently updated since the devastating building failures of Hurricane Andrew in 1992 are considered a national standard for excellence in high-wind construction.
So, when our advocacy partners sent up an “all hands alert” just two weeks before the close of the Florida Legislative session, we were shocked to learn that the Florida Building Code was under assault. Someone, apparently a Florida Home Builders Association representative, had convinced a few legislators that it would be good idea to extend the update cycle for the entire state’s code from a three-year to a six-year cycle.
They attempted this by adding an amendment added to Committee Substitute #2 on House Bill 535, stating:
553.73 Florida Building Code.—
(7)(a) The commission, by rule adopted pursuant to ss.120.536 (1) and 120.54, shall update the Florida Building Code every 63 years.
This was done quietly as the bill headed to its last committee, and then off to the House floor. Senate Bill 704 was set to follow the same route. It’s important to note that often when legislation is made quietly and at the last minute, it’s because the action cannot hold up under public scrutiny. Or, as we like to say in Florida, it can’t survive the sunshine.
The three-year cycle is used by Florida, and most states, because it follows the International Code Council development process of new model codes crafted through consensus on a three-year, recurring cycle. Even so, there is often an administrative tail on the final adoption. Regardless, when we adopt and enforce the newest building codes, our building practices stay current with new products, science innovation, and post-disaster insights.
Yet some states and jurisdictions, like Minnesota and North Carolina, have elongated code adoption from three to six, or even nine years. These extended code cycles not only leave citizens without the benefit of current model building codes, but also impede the disaster safety movement goal to rapidly incorporate beneficial, post-disaster findings into model codes.
Opponents of timely adoption have convinced some lawmakers that there is no harm in switching from a three-year to a longer, six-year update cycle. They argue that it provides a cost savings with no offsetting harm to the overall construction in those states.
But they could not be more wrong. Here is how we made our case to the Florida press:
Stalling the timely adoption of the newest building code represents a backward step for construction, design, innovation, and disaster resilience overall with negative impacts across many fronts.
1. Families will be denied the latest insights and advances in construction technology and the benefits of innovation and advances that deliver savings across energy, fire and other cost drivers (ordinary water losses and/or catastrophic losses). For example, this will put essential code enhancements for flood resistance on hold.
2. The excellent building code policy record in Florida is one of the most important supports for the often-stressed property insurance system. This type of policy setback could have devastating effects on the delicate balance that has been so hard won post-Andrew.
3. The El Niño year has already delivered the projected tornadic and high wind events. The expected La Niña could bring similarly heightened activity. Further, many credible meteorology professionals suggest strong potential for a hurricane season reminiscent of the 2004-2005 activity level.
Shortly after the news spread of these amendments altering the Florida building code cycle from three to six years, the effort was abandoned. And, we are very relieved that it failed. But we should all be wary. If any Florida Legislator can be convinced that we don’t need to maintain current building codes in the most high-risk hurricane state, then we are not only forgetting history, but we are dooming ourselves to repeat it.
With this in mind, we’ve launched a new initiative,#HurricaneStrong, to help remind the public, leaders, and families alike, that we must remain vigilant to remain disaster resilient. I hope you’ll join us.