kadee79
Senior Associate
S.W. Ga., zone 8b, out in the boonies!
Joined: Mar 30, 2011 15:12:55 GMT -5
Posts: 10,801
|
Post by kadee79 on Feb 23, 2021 20:53:13 GMT -5
|
|
pulmonarymd
Junior Associate
Joined: Feb 12, 2020 17:40:54 GMT -5
Posts: 7,368
|
Post by pulmonarymd on Feb 23, 2021 21:26:23 GMT -5
It should go up. Why should taxpayers take the risk for properties that flood repeatedly
|
|
chiver78
Administrator
Current Events Admin
Joined: Dec 20, 2010 13:04:45 GMT -5
Posts: 38,510
|
Post by chiver78 on Feb 23, 2021 21:32:33 GMT -5
posting kind of as a placeholder for tonight. I'm in bed and winding down. the house I sold last spring was in a flood zone(AE), even though it never floods (per lifelong resident neighbors) at a half mile from shore. premiums for this were interesting in how they fluctuated. if someone can remind me in thr next day or so, I will dig up my old policies for comparison.
|
|
Tiny
Senior Associate
Joined: Dec 29, 2010 21:22:34 GMT -5
Posts: 13,365
|
Post by Tiny on Feb 23, 2021 22:42:13 GMT -5
I know for 2020 both of my Florida properties insurances doubled both the homeowners and the flood insurance. The insurance company who provided Homeowners on my townhouse dropped me (the nice letter said it was because they were withdrawing from the market). Over the 9 nears I had the insurance I never had a claim.
For me it sucks that my insurance costs doubled over the course of a year. I own "shacks". The doubled insurance expense was inconvenient but not a deal breaker for me. I can still "afford" the two properties. If the insurances double again quickly - I'm gonna have to re-think my real estate holdings in Florida - it's going to push up the rents I'm charging dramatically - and I'm not sure the target audience for my rentals is going to get big pay increases to compensate for the 'rent inflation'.
I'm guessing that people with the million dollar properties won't really care all that much if the price of insurance goes up.
|
|
Cheesy FL-Vol
Junior Associate
"Life is either a daring adventure, or nothing." -- Helen Keller
Joined: Dec 17, 2010 16:13:50 GMT -5
Posts: 6,694
Mini-Profile Background: {"image":"","color":""}
Member is Online
|
Post by Cheesy FL-Vol on Feb 24, 2021 4:21:14 GMT -5
I was listening to a woman in FL on the news the other day talking about if her 400.00 flood premium doubled or tripled they could manage it. I was wondering at the time how the hell their premium on south FL shore property could be that low, when the property we had mid gulf coast, 5 miles inland was just shy of 5k. In retrospect, she was probably talking about monthly premium. Our house was not a “McMansion”. It was a modest late 70s house at just under 1300 sq ft.
In the 20 years in that house, the flood zones and hurricane evacuation zones kept shifting east. So if you are a person of moderate means and you bought a house years ago that wasn’t in a flood zone at the time of purchase and now the property is declared in a flood zone, you are financially screwed if you still hold a mortgage.
|
|
pulmonarymd
Junior Associate
Joined: Feb 12, 2020 17:40:54 GMT -5
Posts: 7,368
|
Post by pulmonarymd on Feb 24, 2021 7:25:07 GMT -5
But climate change isn’t real
|
|
Deleted
Joined: Apr 25, 2024 19:39:17 GMT -5
Posts: 0
|
Post by Deleted on Feb 27, 2021 9:22:22 GMT -5
But climate change isn’t real As a follow up on this statement, you will have a time frame noted, where the climate didn't change ? As an 'on topic' reply, people who live on flood plains should pay an insurance rate equal to the risk.
|
|
pulmonarymd
Junior Associate
Joined: Feb 12, 2020 17:40:54 GMT -5
Posts: 7,368
|
Post by pulmonarymd on Feb 27, 2021 9:36:54 GMT -5
But climate change isn’t real As a follow up on this statement, you will have a time frame noted, where the climate didn't change ? As an 'on topic' reply, people who live on flood plains should pay an insurance rate equal to the risk. Why bother, you will just deflect anyway with your climate always changes remark. While true, it is not accurate. The last month that had an average temperature below normal was in the mid 80s. If things haven’t changed, that is statistically impossible. But tell me why I am wrong.
|
|
Deleted
Joined: Apr 25, 2024 19:39:17 GMT -5
Posts: 0
|
Post by Deleted on Feb 27, 2021 12:39:59 GMT -5
As a follow up on this statement, you will have a time frame noted, where the climate didn't change ? As an 'on topic' reply, people who live on flood plains should pay an insurance rate equal to the risk. Why bother, you will just deflect anyway with your climate always changes remark. While true, it is not accurate. The last month that had an average temperature below normal was in the mid 80s. If things haven’t changed, that is statistically impossible. But tell me why I am wrong. You're not wrong, your "While true" is correct. The climate always changes. Adding dates, times, charts only verifies that it continually changes.
|
|
pulmonarymd
Junior Associate
Joined: Feb 12, 2020 17:40:54 GMT -5
Posts: 7,368
|
Post by pulmonarymd on Feb 27, 2021 13:04:52 GMT -5
Again with this nonsense. Here is an example like you are using. Approximately 30-50k people die from respiratory viruses on a yearly basis. That statement is both true and irrelevant to our current situation.
Climate always changes, that is a true statement. However, given what is going on now, that statement is irrelevant. What is relevant is the rate of change and our contribution to it. That is the debate.
Rush Limbaugh used the argument that smoking wasn’t that dangerous because it takes 50 years for the effects to appear. Problem is, he didn’t take the opportunity that the time frame allowed to avoid the consequences. You seem to want to wait until it is no doubt as to the conclusion. Problem is, by that time it will be too late. But you continue with your nonsense about climate always changing.
|
|
Tiny
Senior Associate
Joined: Dec 29, 2010 21:22:34 GMT -5
Posts: 13,365
|
Post by Tiny on Feb 27, 2021 13:08:46 GMT -5
But climate change isn’t real As a follow up on this statement, you will have a time frame noted, where the climate didn't change ? As an 'on topic' reply, people who live on flood plains should pay an insurance rate equal to the risk. You are absolutely right - people who build on what is currently NOT a flood plain should be looking at how the climate is changing so they can pre-emptively build their house to handle flooding at some point in the future. Where does one find the tables or "prognosis" for future flooding on a non-flood plain areas? This info would certainly help homebuilders and home buyers TODAY - as they will be high and dry (or prepared) for the future flooding as climate changes. I live about 1 mile from a river - that has flooded yearly since before the "white folks" settled here. The original mansions built along the "banks" took into account the flood levels and then alittle more. It's only been in the last 10 years that flooding has gone consecutively above and beyond all past years measurements. I guess that 100years ago - people should have built the houses even higher or left land between their homes and the river for a "flood wall" or levee that could have been added to the river banks. They should have KNOWN that the climate would have gotten warmer and wetter and that water levels would rise. I suspect that at some point in the future as the flood mitigation things happen along the river - that my HOUSE will flood with river water. I guess I should move to higher ground or be prepared to add the expense of flood mitigation and flood insurance to my expenses. My house is not now nor ever has been on a flood plain. When the river floods some streets that cross it or wind along it flood... the water has never breached past the streets (which are about a mile from my house). The land flattens out at that point. I don't know how to predict where the river water will go - when it jumps past the streets it now sometimes floods. If it floods enough - I suppose it could reach my house - or my neighbors homes. My suburb is NOT set up to handle this kind of natural disaster. I doubt that anyone 100 years ago/50 years ago - anticipated that the river would reach unbelievable flood levels in the future.
|
|
Deleted
Joined: Apr 25, 2024 19:39:17 GMT -5
Posts: 0
|
Post by Deleted on Feb 27, 2021 14:01:05 GMT -5
As a follow up on this statement, you will have a time frame noted, where the climate didn't change ? As an 'on topic' reply, people who live on flood plains should pay an insurance rate equal to the risk. You are absolutely right - people who build on what is currently NOT a flood plain should be looking at how the climate is changing so they can pre-emptively build their house to handle flooding at some point in the future. Where does one find the tables or "prognosis" for future flooding on a non-flood plain areas? This info would certainly help homebuilders and home buyers TODAY - as they will be high and dry (or prepared) for the future flooding as climate changes. I live about 1 mile from a river - that has flooded yearly since before the "white folks" settled here. The original mansions built along the "banks" took into account the flood levels and then alittle more. It's only been in the last 10 years that flooding has gone consecutively above and beyond all past years measurements. I guess that 100years ago - people should have built the houses even higher or left land between their homes and the river for a "flood wall" or levee that could have been added to the river banks. They should have KNOWN that the climate would have gotten warmer and wetter and that water levels would rise. I suspect that at some point in the future as the flood mitigation things happen along the river - that my HOUSE will flood with river water. I guess I should move to higher ground or be prepared to add the expense of flood mitigation and flood insurance to my expenses. My house is not now nor ever has been on a flood plain. When the river floods some streets that cross it or wind along it flood... the water has never breached past the streets (which are about a mile from my house). The land flattens out at that point. I don't know how to predict where the river water will go - when it jumps past the streets it now sometimes floods. If it floods enough - I suppose it could reach my house - or my neighbors homes. My suburb is NOT set up to handle this kind of natural disaster. I doubt that anyone 100 years ago/50 years ago - anticipated that the river would reach unbelievable flood levels in the future. I looked at geological survey maps before choosing where to build my current house. Of course I'm on a 410 hectare ranch and many choices presented. Building in urban areas, especially older ones, breeds a false sense of security as in 'hey there have been houses here for years'. Developers grading the land for subdivisions can hide the overall valley effect where water needs to flow in larger rain events. Even levees are self defeating after a while. I remember researching places on the Mississippi river and tributaries 40 years ago, where the river beds were higher than the surrounding land. We can now measure land contour with lasers, changes will be coming. We try to control our rivers to their current bed points, I don't think this will be possible, even with dredging. If you haven't already, look up how oxbow lakes are formed.
|
|
Deleted
Joined: Apr 25, 2024 19:39:17 GMT -5
Posts: 0
|
Post by Deleted on Feb 27, 2021 14:06:54 GMT -5
Again with this nonsense. Here is an example like you are using. Approximately 30-50k people die from respiratory viruses on a yearly basis. That statement is both true and irrelevant to our current situation. Climate always changes, that is a true statement. However, given what is going on now, that statement is irrelevant. What is relevant is the rate of change and our contribution to it. That is the debate.Rush Limbaugh used the argument that smoking wasn’t that dangerous because it takes 50 years for the effects to appear. Problem is, he didn’t take the opportunity that the time frame allowed to avoid the consequences. You seem to want to wait until it is no doubt as to the conclusion. Problem is, by that time it will be too late. But you continue with your nonsense about climate always changing. Our contribution to it and its possible effects are only theory at this point. I'm expecting you will present comprehensive timelines showing that rate of change remains constant ? You can dispense with your nonsense about what you think I'm doing thinking, concluding, it doesn't really relate. Even introducing the unrelated opinions of talk show hosts, lol. As anyone can tell, I care little about forum popularity. You should present an 'on topic' argument, it hasn't happened yet. The burden of proof relies on those presenting a theory. I'm not buying the 'before it's too late' scare tactic, presenting any inclement weather as causation by AGW.
|
|
pulmonarymd
Junior Associate
Joined: Feb 12, 2020 17:40:54 GMT -5
Posts: 7,368
|
Post by pulmonarymd on Feb 27, 2021 15:30:49 GMT -5
Just like people should argued about the health effects of smoking. No amount of data was adequate for them either. And you are about as tight as they are. I’m done, I should have known better than to engage with you again
|
|
sesfw
Junior Associate
Today is the first day of the rest of my life
Joined: Dec 21, 2010 15:45:17 GMT -5
Posts: 6,268
|
Post by sesfw on Feb 27, 2021 15:56:04 GMT -5
Just like people should argued about the health effects of smoking. No amount of data was adequate for them either. And you are about as tight as they are. I’m done, I should have known better than to engage with you again
I see you are showing your 'bedside manners' again. Anyone with an opinion different from yours you immediately go into attack mode. But what do I know, I'm just a stupid factory worker.
BTW, what does smoking have to do with the main topic of flood insurance?
|
|
kadee79
Senior Associate
S.W. Ga., zone 8b, out in the boonies!
Joined: Mar 30, 2011 15:12:55 GMT -5
Posts: 10,801
|
Post by kadee79 on Feb 27, 2021 16:17:32 GMT -5
I had friends back in '92, '93 & '94 who researched a piece of property to the ends of the earth and decided to buy it & build cause there was just no way in hell that it would ever flood. Well they built in '93 and had over 1' of water in their house in the Albany, Ga. flood in '94. So all that research didn't do them a darn bit of good and they hadn't bothered with flood insurance cause they couldn't possibly flood...ever. We built our little house on a small hill here in our area. After having looked at maps that showed what the world would look like if all the ice in the world melted. Guess what, our little hill will still be dry with one little pathway out of here heading north. But we may be able to do some deep sea fishing off our back deck! So that means that all of Fl. will be underwater at that time along with much of the east coast and the south in general, especially along big rivers.
|
|
pulmonarymd
Junior Associate
Joined: Feb 12, 2020 17:40:54 GMT -5
Posts: 7,368
|
Post by pulmonarymd on Feb 27, 2021 17:32:00 GMT -5
Just like people should argued about the health effects of smoking. No amount of data was adequate for them either. And you are about as tight as they are. I’m done, I should have known better than to engage with you againI see you are showing your 'bedside manners' again. Anyone with an opinion different from yours you immediately go into attack mode. But what do I know, I'm just a stupid factory worker. BTW, what does smoking have to do with the main topic of flood insurance? Well, if you continue to insist that you are nothing but a dumb factory worker, who am I to argue. You know yourself better than I do. As to my bedside manner, go fuck yourself. This is the farthest thing from an Icu as you can imagine. I have no need to censor myself here, or show compassion. Conservatives have decided that ridiculed for people is ok, trump sure did and they eat it up. It is apparently over-rated. As is losing graciously
|
|
Deleted
Joined: Apr 25, 2024 19:39:17 GMT -5
Posts: 0
|
Post by Deleted on Feb 27, 2021 18:23:02 GMT -5
Just like people should argued about the health effects of smoking. No amount of data was adequate for them either. And you are about as tight as they are. I’m done, I should have known better than to engage with you again You haven't produced any data on the topic. Kind of required if you wish to prove, or at least represent the viability of the AGW theory Remove your BS personal deflections aimed at me (or Rush, lol), and your post had nothing on the topic. I guess it is time for you to run away again.
|
|
Deleted
Joined: Apr 25, 2024 19:39:17 GMT -5
Posts: 0
|
Post by Deleted on Feb 27, 2021 18:36:23 GMT -5
I had friends back in '92, '93 & '94 who researched a piece of property to the ends of the earth and decided to buy it & build cause there was just no way in hell that it would ever flood. Well they built in '93 and had over 1' of water in their house in the Albany, Ga. flood in '94. So all that research didn't do them a darn bit of good and they hadn't bothered with flood insurance cause they couldn't possibly flood...ever. We built our little house on a small hill here in our area. After having looked at maps that showed what the world would look like if all the ice in the world melted. Guess what, our little hill will still be dry with one little pathway out of here heading north. But we may be able to do some deep sea fishing off our back deck! So that means that all of Fl. will be underwater at that time along with much of the east coast and the south in general, especially along big rivers. I'll have to say I'm not sure of the parameters that include "ends of the earth" or "no way in hell that it would ever flood." I used GS maps that show elevation, used it to compare to surrounding terrain and drainage routes to many miles out, inclination and volume limits. 14 1/2 " of rain last May, 6+ inches in one 24 hour period, I was high and drained. The spillway design on my ponds worked out great, no washout ! As an aside, I just bought 2 blue 5 watt lasers that are so bright they can be used at twilight instead of at night like my old ones. About a ten mile range just a few minutes after sunset, even with refractive under cloud lighting present. Close to 25 miles at full dark, with built in collimators. Excellent for double checking elevation/distance. Send your friends my way. I'm a charter member of the Inland Land Owners Association. (20+ years, also not it's real name) We have thousands of acres available for for sale. Nothing under 800 feet above sea level. All homesites safely selected by us land professionals. Big properties and small, we have it all !
|
|
Deleted
Joined: Apr 25, 2024 19:39:17 GMT -5
Posts: 0
|
Post by Deleted on Feb 27, 2021 18:41:49 GMT -5
Just like people should argued about the health effects of smoking. No amount of data was adequate for them either. And you are about as tight as they are. I’m done, I should have known better than to engage with you againI see you are showing your 'bedside manners' again. Anyone with an opinion different from yours you immediately go into attack mode. But what do I know, I'm just a stupid factory worker. BTW, what does smoking have to do with the main topic of flood insurance? pulmonarymd failed attempt at deflection ?
|
|
sesfw
Junior Associate
Today is the first day of the rest of my life
Joined: Dec 21, 2010 15:45:17 GMT -5
Posts: 6,268
|
Post by sesfw on Feb 27, 2021 20:11:20 GMT -5
( md) I have no patience for stupidity anymore
( Me) Anyone with an opinion different from yours you immediately go into attack mode.
Any more questions?
|
|
pulmonarymd
Junior Associate
Joined: Feb 12, 2020 17:40:54 GMT -5
Posts: 7,368
|
Post by pulmonarymd on Feb 27, 2021 20:32:55 GMT -5
( md) I have no patience for stupidity anymore( Me) Anyone with an opinion different from yours you immediately go into attack mode.Any more questions? Way to take something out of context. It was said in relation to mask wearing at coax. YOU AGREE WITH THEIR RESPONSE TO BEING ASKED TO WEAR MASKS? You may really be as dumb as you claim to be
|
|
djAdvocate
Member Emeritus
only posting when the mood strikes me.
Joined: Jun 21, 2011 12:33:54 GMT -5
Posts: 75,084
Mini-Profile Background: {"image":"","color":"000307"}
|
Post by djAdvocate on Feb 28, 2021 1:09:15 GMT -5
Just like people should argued about the health effects of smoking. No amount of data was adequate for them either. And you are about as tight as they are. I’m done, I should have known better than to engage with you againI see you are showing your 'bedside manners' again. Anyone with an opinion different from yours you immediately go into attack mode. But what do I know, I'm just a stupid factory worker. BTW, what does smoking have to do with the main topic of flood insurance? Well, if you continue to insist that you are nothing but a dumb factory worker, who am I to argue. You know yourself better than I do. As to my bedside manner, go fuck yourself. This is the farthest thing from an Icu as you can imagine. I have no need to censor myself here, or show compassion. Conservatives have decided that ridiculed for people is ok, trump sure did and they eat it up. It is apparently over-rated. As is losing graciously I would have taken losing silently.
inciting an insurrection is three sheets to the wind beyond that.
|
|
Deleted
Joined: Apr 25, 2024 19:39:17 GMT -5
Posts: 0
|
Post by Deleted on Feb 28, 2021 7:53:18 GMT -5
( md) I have no patience for stupidity anymore( Me) Anyone with an opinion different from yours you immediately go into attack mode.Any more questions? Way to take something out of context. It was said in relation to mask wearing at coax. YOU AGREE WITH THEIR RESPONSE TO BEING ASKED TO WEAR MASKS? You may really be as dumb as you claim to be Dumb can be somewhat subjective. You using that term seems deliberately non specific. As an aside, what's the matter doc ? No longer seeking me out like when you first joined this forum ? Claiming an advanced knowledge of physics and going on the attack. ? All I've seen so far is you flailing badly while producing endless off topic deflection. Cute in a first generation above blue collar kind of way.
|
|
thyme4change
Community Leader
Joined: Dec 26, 2010 13:54:08 GMT -5
Posts: 40,393
|
Post by thyme4change on Feb 28, 2021 10:01:44 GMT -5
|
|
sesfw
Junior Associate
Today is the first day of the rest of my life
Joined: Dec 21, 2010 15:45:17 GMT -5
Posts: 6,268
|
Post by sesfw on Feb 28, 2021 10:46:30 GMT -5
I have no need to censor myself here, or show compassion.
tsk, tsk ....... Have you seen your Dr yet about your bad case of 'foot in mouth' disease? Or a psychiatrist about the bad mental effects on you about you being a cyber bully?
As your 'mentor' on this board, I would strongly suggest one or both appointments. Preferably both.
I'm really worried about you.
|
|
Deleted
Joined: Apr 25, 2024 19:39:17 GMT -5
Posts: 0
|
Post by Deleted on Feb 28, 2021 16:21:04 GMT -5
Excellent charts that show the climate always changes.
|
|
Deleted
Joined: Apr 25, 2024 19:39:17 GMT -5
Posts: 0
|
Post by Deleted on Mar 4, 2021 13:30:46 GMT -5
Here's one that goes a little farther back. (420,000 years)
|
|
thyme4change
Community Leader
Joined: Dec 26, 2010 13:54:08 GMT -5
Posts: 40,393
|
Post by thyme4change on Mar 4, 2021 18:06:39 GMT -5
Here's one that goes a little farther back. (420,000 years) I wish that had data past 1950, because we have had a steep increase since then.
|
|
justme
Senior Associate
Joined: Feb 10, 2012 13:12:47 GMT -5
Posts: 14,618
|
Post by justme on Mar 4, 2021 20:12:31 GMT -5
Here's one that goes a little farther back. (420,000 years) I wish that had data past 1950, because we have had a steep increase since then. Lemme show you a graph that doesn't have the last 70 years on it to prove the last 70 years are just like all the rest.
|
|