Author:
Al Assi Ayat,Mostafiz Rubayet Bin,Friedland Carol J.,Rohli Robert V.,Rahim Md Adilur
Abstract
Floods inflict significant damage even outside the 100-year floodplain. Thus, restricting flood risk analysis to the 100-year floodplain (Special Flood Hazard Area (SFHA) in the United States of America) is misleading. Flood risk outside the SFHA is often underestimated because of minimal flood-related insurance requirements and regulations and sparse flood depth data. This study proposes a systematic approach to predict flood risk for a single-family home using average annual loss (AAL) in the shaded X Zone–the area immediately outside the SFHA (i.e., the 500-year floodplain), which lies between the limits of the 1.0- and 0.2-percent annual flood probability. To further inform flood mitigation strategy, annual flood risk reduction with additional elevation above an initial first-floor height (FFH0) is estimated. The proposed approach generates synthetic flood parameters, quantifies AAL for a hypothetical slab-on–grade, single-family home with varying attributes and scenarios above the slab-on-grade elevation, and compares flood risk for two areas using the synthetic flood parameters vs existing spatial interpolation-estimated flood parameters. Results reveal a median AAL in the shaded X Zone of 0.13 and 0.17 percent of replacement cost value (VR) for a one-story, single-family home without and with basement, respectively, at FFH0 and 500-year flood depth <1 foot. Elevating homes one and four feet above FFH0 substantially mitigates this risk, generating savings of 0.07–0.18 and 0.09–0.23 percent of VR for a one-story, single-family home without and with basement, respectively. These results enhance understanding of flood risk and the benefits of elevating homes above FFH0 in the shaded X Zone.
Funder
Louisiana Sea Grant, Louisiana State University
Gulf Research Program
U.S. Department of Housing and Urban Development
National Institute of Food and Agriculture
Subject
General Earth and Planetary Sciences
Cited by
11 articles.
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