Did you know that the National Oceanic and Atmospheric Administration estimates between 19, a population increase of 39% (34.8 million people) has occurred in the United States Shoreline County population (NOAA, 2015). Now I realize a response may be that the number is not real or can’t be computed, but wrapped nicely inside this figure is the need to understand the urgency to change flood risk perception and behavior. 1862 is known as the storm that caused California to go bankrupt? Interestingly, if this event occurred today, the magnitude of this storm due to the increase of infrastructure and development would result in an estimated $725 billion in damage (Ingram, 2013). Turning back the clock a bit into the 19th century, did you know that the "Great Flood of 1862", which mainly impacted land currently encompassing California, Oregon, and Nevada, and to a lesser degree Idaho, Utah, Arizona, and New Mexico in Dec. Articles are now surfacing as the reform process continues which acknowledge the understanding that the program has been moving forward since 2012, just a bit slower. Oddly, it has been extremely quiet since then, to a point that many believe that flood risk and premiums became a concern not worthy of much attention in the future. That was soon followed by the Homeowner Flood Insurance Affordability Act (HFIAA) of 2014, which reversed or slowed the implementation process of portions of BW-12 provisions. We all know the story starts with the Biggert-Waters Flood Insurance Reform Act of 2012 (BW-12). Homeowners benefit from lower construction costs and the use of a safe product.As an advocate of the National Flood Insurance Program, the last four years have been interesting. Starting with the 2018 IRC, this practice is outlined in detail within the code. In addition, fiberglass and mineral wool insulation products are green certified and do not carry recommended occupancy restrictions due to product off-gassing after installation. ![]()
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