Badai Surge Florence Diharapkan Dapat Memukul Rumah Yang Sudah Membebani Jutaan Pemerintah

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Badai Surge Florence Diharapkan Dapat Memukul Rumah Yang Sudah Membebani Jutaan Pemerintah

Meskipun banjir dari Badai Florence diperkirakan belum pernah terjadi sebelumnya, penduduk kota-kota pesisir North Carolina yang terancam oleh gelombang badai tahu bagaimana rasanya mengambil air. Beberapa rumah di daerah ini telah berulang kali dibanjiri - dan berulang kali ditebus oleh asuransi banjir federal.

ProPublica memeriksa prediksi badai badai oleh National Hurricane Center, melapisi peta area yang diperkirakan akan dipengaruhi oleh Florence atas peta dari properti yang paling rawan banjir yang dilacak oleh Federal Emergency Management Agency, yang menyediakan sebagian besar asuransi banjir bagi pemilik rumah AS. .

Para kritikus telah lama berpendapat bahwa program tersebut mensubsidi pembangunan yang berisiko, tetapi upaya reformasi tidak terhindarkan karena menaikkan premi akan membuat asuransi banjir tidak terjangkau bagi warga berpenghasilan rendah. Asuransi diperlukan untuk hipotek yang didukung pemerintah federal rumah di daerah rawan banjir. Program ini lebih dari $ 20 miliar dalam utang.

Melihat beberapa kota, mudah untuk melihat mengapa.

Daerah berisiko tinggi termasuk masyarakat di sepanjang Sungai Pamlico dan North Topsail Beach, yang berada di pulau penghalang dekat Wilmington. Rumah-rumah di sana mendapatkan beberapa pembayaran banjir dari Program Asuransi Banjir Nasional FEMA yang akan kembali sejauh 1978. Satu properti di North Topsail Beach telah menerima sembilan pembayaran terpisah, dengan total $ 77,000, meskipun bangunan itu bernilai hanya $ 37,125. Lain di Topsail Beach terdekat telah menerima pembayaran 10 senilai $ 467,000. Bangunan itu bernilai $ 300,000.

FEMA menempatkan bangunan-bangunan seperti ini - termasuk 1,132 di North Carolina - dalam daftar khusus yang disebut "struktur kerugian berulang yang parah" karena mereka telah dibanjiri dan dibangun kembali lagi dan lagi dengan asuransi banjir FEMA. Properti yang memenuhi syarat untuk daftar tersebut setidaknya telah membuat empat klaim lebih dari $ 5,000 setiap sejak 1978, atau dua klaim dengan nilai gabungan yang bernilai lebih dari bangunan itu sendiri. Ada lebih dari 35,000 properti semacam itu secara nasional.

Secara kolektif, bangunan di North Carolina bernilai setidaknya $ 280 juta, dan mereka telah menerima $ 164 juta dalam pembayaran, menurut data FEMA yang disediakan oleh Dewan Pertahanan Sumber Daya Alam, kelompok advokasi lingkungan. Daftar ini tidak diragukan lagi akan tumbuh setelah Hurricane Florence, menempatkan beban tambahan pada program yang penuh utang yang menurut para ahli sangat membutuhkan reformasi.

Daerah-daerah yang menghadapi dampak terburuk dari Hurricane Florence adalah yang paling rentan di negara ini ketika datang ke permukaan laut naik; bagian Utara Topsail Beach, misalnya, mengikis 5 kaki per tahun. Dan tim ilmuwan menyimpulkan pada hari Rabu itu perubahan iklim telah membuat badai supercharged - meningkatkan curah hujan diproyeksikan sekitar 50 persen dan ukurannya dengan mil 50.

Rob Moore, seorang analis kebijakan senior di Dewan Pertahanan Sumber Daya Alam, mengatakan rumah-rumah ini adalah "contoh sempurna dari apa yang akan kita lihat ketika permukaan laut terus meningkat."

North Carolina memiliki sejarah berbatu dalam menghadapi kenaikan permukaan laut. Di 2012, setelah penasihat ilmiah untuk negara meramalkan hingga 39 inci naiknya permukaan laut selama abad berikutnya, legislator negara bagian melewati sebuah undang-undang mengatakan North Carolina hanya akan mendasarkan kebijakan pada studi yang secara eksklusif menggunakan data historis, yang secara efektif melarang ilmu iklim. Gubernur saat ini telah mundur, dan North Carolina memiliki bergabung dengan upaya multistate untuk mengatasi perubahan iklim.

Moore mengatakan pemerintah harus mendanai lebih banyak pembelian properti untuk secara permanen menghapus rumah dari daerah berisiko. Di seluruh negeri, mayoritas rumah di daftar milik penduduk berpenghasilan rendah dan kelas menengah, katanya, dan karena pembelian sering memakan waktu bertahun-tahun untuk diproses, sebagian besar pemilik rumah tidak mampu menunggu dan terpaksa menggunakan klaim asuransi untuk membangun kembali di tempat yang sama.

Badai yang bergerak lambat akan berlama-lama di atas Carolinas sepanjang akhir pekan.

Artikel ini awalnya muncul di ProPublica

Tentang Penulis

Lisa Song melaporkan tentang lingkungan, energi, dan perubahan iklim. Dia bergabung dengan ProPublica di 2017 setelah enam tahun di InsideClimate News, di mana dia meliput ilmu iklim dan kesehatan lingkungan.

Al Shaw adalah pengembang aplikasi berita di ProPublica. Perancang, pengembang, dan reporter yang setara, ia menggunakan data dan grafik interaktif untuk mencakup masalah lingkungan, bencana alam, dan politik.

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Studio: CreateSpace Independent Publishing platform
Label: CreateSpace Independent Publishing platform
Publisher: CreateSpace Independent Publishing platform
Produsen: CreateSpace Independent Publishing platform

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lingkungan HidupPenulis: Badan Manajemen Darurat Federal
Binding: Paperback
Studio: CreateSpace Independent Publishing platform
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Ulasan Editorial: This book is intended to acquaint the public with the National Flood Insurance Program (NFIP). Despite the highly technical nature of the Program, there has been a deliberate effort to minimize the use of technical terms. This publication is designed for readers who do not need a detailed history or refined technical or legal explanations, but who do need a basic understanding of the Program and the answers to some frequently asked questions. Readers who need legal definitions should refer to the Standard Flood Insurance Policy (SFIP) and to NFIP and related regulations. The information provided herein is as current as possible, but changes in the NFIP are made periodically. Readers can obtain the most up-to-date insurance data by using the contact information at the back of the book. The NFIP is a Federal program created by Congress to mitigate future flood losses nationwide through sound, community-enforced building and zoning ordinances and to provide access to affordable, federally backed flood insurance protection for property owners. The NFIP is designed to provide an insurance alternative to disaster assistance to meet the escalating costs of repairing damage to buildings and their contents caused by floods. Participation in the NFIP is based on an agreement between local communities and the Federal Government that states that if a community will adopt and enforce a floodplain management ordinance to reduce future flood risks to new construction in Special Flood Hazard Areas (SFHAs), the Federal Government will make flood insurance available within the community as a financial protection against flood losses. For decades, the national response to flood disasters was generally limited to constructing flood-control works such as dams, levees, seawalls, and the like, and providing disaster relief to flood victims. This approach, however, did not reduce losses, nor did it discourage unwise development. In some instances, it may have actually encouraged additional development. To compound the problem, due to its high risk and seasonal nature, insurance companies were not able to provide affordable flood insurance coverage. In light of mounting flood losses and escalating costs of disaster relief to the taxpayers, the U.S. Congress created the NFIP. The intent was to reduce future flood damage through community floodplain management ordinances, and provide protection for property owners against potential losses through an insurance mechanism that requires a premium to be paid for the protection.




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lingkungan HidupPenulis: Departemen Keamanan Dalam Negeri AS
Binding: Paperback
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