Spring thaw brings warnings of flood dangers
Ada City-County Emergency Management
Recent changes in weather patterns have made it more difficult for the reservoir managers to control flooding and manage flows for irrigation and recreation. In April of 2012 two days of high temperatures were followed by two days of heavy rain. This caused the snowpack to melt rapidly and flows into the Boise River system went as high as 26,000 cubic feet per second (cfs).
Water managers did what they could to control flows, but this sudden run-off sent 8,100 cfs down the Boise River. Flood stage on the river is 7,000 cfs; the higher flows caused damage and threatened businesses and homes. Responders worked long hours to keep the situation in check. As the weather continues to change, these types of events can become more common.
Properties located in high-risk areas are in what is called the Special Flood Hazard Area (SFHA). There is at least a one-in-four chance, over the course of a 30-year mortgage, those properties will experience a flood.
The SFHA is shown on flood maps as zones labeled with the letters A or V.
All home or business owners in the SFHA that have mortgages from a federally regulated or insured lender are required to purchase flood insurance. Properties in moderate-to-low risk areas have a much lower chance of being flooded.
Even so, 20 percent of all National Flood Insurance Program (NFIP) claims are in these areas and they receive one-third of the disaster assistance for flooding. These areas are labeled on flood maps with the letters B, C or X (or a shaded X). Areas labeled with the letter D have not had a flood analysis done. This does not mean there is no flood risk, simply that the area has not yet been studied.
To see if a property is in or near the flood zone, go to the current flood maps
Select this link to see a page many flood-related tools. The newest one is the “Measure Your Damage” feature. Follow the link and click on the “Launch The Cost of Flooding” model. It provides estimates of how much damage floodwaters could cause a home. Without flood insurance, events of this nature could result in financial disaster.
There is no time like the present
NFIP policies are becoming more expensive, and getting insurance before a property is placed in the SFHA might allow that property to be “grandfathered” into the program at a better rate if the new maps change the property’s flood risk designation.