Abstract
Flooding is the most costly natural hazard event worldwide and can severely impact communities, both through economic losses and social disruption. To predict and reduce the flood risk facing a community, a reliable model is needed to estimate the cost of repairing flood-damaged buildings. In this paper, we describe the development and assessment of two models for predicting direct economic losses for single-family residential buildings, based on the experience of the 2013 Boulder, Colorado riverine floods. The first model is based on regression analyses on empirical data from over 3000 residential building damage inspections conducted by the Federal Emergency Management Agency (FEMA). This model enables a probabilistic assessment of loss (in terms of FEMA grants paid to homeowners for post-flood repairs) as a function of key building and flood hazard parameters, considering uncertainties in structural properties, building contents, and damage characteristics at a given flood depth. The second model is an assembly-based prediction of loss considering unit prices for damaged building components to predict mean repair costs borne by the homeowner, which is based on typical Boulder construction practices and local construction and material costs. Comparison of the two proposed models illustrates benefits that arise from each of the two approaches, while also serving to validate both models. These models can be used as predictive tools in the future, in Boulder and other US communities, due to adaptability of the model for other context, and similarities in home characteristics across the country. The assembly-based model quantifies the difference between the FEMA grants and true losses, providing a quantification of out-of-pocket homeowner expenses.
Similar content being viewed by others
Notes
Taken as basement floor level, the grade level, and the first (ground) floor level for basements, crawlspaces, and slab foundation types, respectively.
Previous studies have found that water velocity, flood-borne debris, length of inundation, and early flood warning may impact the severity of damage (e.g., Merz et al. 2013; Kreibich et al. 2005, 2007; Thieken et al. 2005, 2007), but there were not sufficient data to quantify these parameters for this case.
P-values are traditionally employed to test the significance of a parameter for the model. The p-value represents the probability that random chance can explain the result. In general, a 5 % or lower p-value is considered to be statistically significant, implying the model is meaningful (Ang and Tang 2007).
References
Ang AHS, Tang WH (2007) Probability concepts in engineering. Emphasis on applications to civil and environmental engineering, vol 2nd. Wiley, New York
Barredo JI (2009) Normalised flood losses in Europe: 1970–2006. Nat Hazards Earth Syst Sci 9:97–104
Barredo JI, Saurí D, Llasat M (2012) Assessing trends in insured losses from floods in Spain 1971–2008. Nat Hazards Earth Syst Sci 12:1723–1729
Bouwer LM, Bubeck P, Aerts JC (2010) Changes in future flood risk due to climate and development in a Dutch polder area. Glob Environ Change 20:463–471
Ciscar J-C, Iglesias A, Feyen L, Szabo L, Van Regemorter D, Amelung B, Nicholls R, Watkiss P, Christensen O, Dankers R, Garrote L, Goodess C, Hunt A, Moreno A, Richards J, Soria A (2011) Physical and economic consequences of climate change in Europe. Proc Natl Acad Sci 108:2678–2683. doi:10.1073/pnas.1011612108
City of Boulder (2013) City of Boulder water and wastewater treatment facilities continue operations amid weather challenges. https://bouldercolorado.gov/pages/sept-12-2013-city-of-boulder-water-and-wastewater-treatment-facilities-continue-operations-amid-weather-challenges. Accessed 1 Sept 2015
City of Boulder (2014a) Summary report of private property and resident flood impact survey and analysis- September 2013 flood disaster. Draft 12/03/2014. https://www-static.bouldercolorado.gov/docs/summary-report-private-property-resident-september-2013-flood-impact-survey-analysis-1-201412031729.pdf. Accessed 15 Aug 2015
City of Boulder (2014b) Summary of City of Boulder flood survey information September 2013 flood disaster. Preliminary draft 07/30/2014
City of Boulder (2015a) Open data catalog. https://bouldercolorado.gov/open-data/. Accessed 1 June 2015
City of Boulder (2015b) Codes and regulations—adopted building codes. Planning and development services online. https://bouldercolorado.gov/plan-develop/codes-and-regulations. Accessed 12 Sept 2015
County of Boulder (2015a) Boulder County 2013 flood: one year later. http://www.bouldercounty.org/flood/communityresiliency/pages/default.aspx. Accessed 1 Sept 2015
County of Boulder (2015b) Assessor’s property data download. http://www.bouldercounty.org/dept/assessor/pages/propertydatadownload.aspx. Accessed 1 June 2015
Custer R, Nishijima K (2015) Flood vulnerability assessment of residential buildings by explicit damage process modeling. Nat Hazards 78:461–496. doi:10.1007/s11069-015-1725-7
Dashti S, Palen L, Heris M, Anderson K, Anderson S, Anderson J (2014) Supporting disaster reconnaissance with social media data: a design-oriented case study of the 2013 Colorado floods. 12th international conference on information systems for crisis response and management (ISCRAM2014), University Park, PA
de Moel H, Aerts JCJH (2011) Effect of uncertainty in land use, damage models and inundation depth on flood damage estimates. Nat Hazards 58:407–425. doi:10.1007/s11069-010-9675-6
Federal Emergency Management Agency (2008a) Help after a disaster—applicant’s guide to the individuals and households program. FEMA 545. http://www.fema.gov/pdf/assistance/process/help_after_disaster_english.pdf. Accessed 21 July 2015
Federal Emergency Management Agency (2008b) Flood damage-resistant materials requirements—for buildings located in special flood hazard areas in accordance with the National Flood Insurance Program. Technical Bulletin 2. http://www.fema.gov/media-library-data/20130726-1502-20490-4764/fema_tb_2_rev1.pdf. Accessed 15 Aug 2015
Federal Emergency Management Agency (2013) Multi-hazard loss estimation methodology: flood model, HAZUS technical manual. Department of Homeland Security, Emergency Pre-paredness and Response Directorate, FEMA, Mitigation Division, Washington, D.C
Federal Emergency Management Agency (2014a) 2013 Colorado floods federal assistance fact sheet. Release no. R8-14-013. http://www.fema.gov/news-release/2014/09/09/2013-colorado-floods-federal-assistance-fact-sheet. Accessed 1 Sept 2015
Federal Emergency Management Agency (2014b) 2013 Colorado floods individual assistance fact sheet. https://www.fema.gov/news-release/2014/09/10/2013-colorado-floods-individual-assistance-fact-sheet. Accessed 10 Sept 2014
Federal Emergency Management Agency (2015a) 2013 Colorado floods situational awareness viewer. http://fema.maps.arcgis.com/home/item.html?id=16055a012a4c4bfdb972c90e20b5e7b8. Accessed 21 Sept 2015
Federal Emergency Management Agency (2015b) FEMA IHP inspection guidelines. https://www.fbo.gov/utils/view?id=bc7a71a5300b430af0c868ccdd9aa045. Accessed 15 Sept 2015
Feyen L, Dankers R, Bódis K, Salamon P, Barredo JI (2012) Fluvial flood risk in Europe in present and future climates. Clim Change 112:47–62
Jongman B, Kreibich H, Apel H, Barredo JI, Bates PD, Feyen L, Gericke A, Neal J, Aerts JCJH, Ward PJ (2012) Comparative flood damage model assessment: towards a European approach. Nat Hazards Earth Syst Sci 12:3733–3752. doi:10.5194/nhess-12-3733-2012
Kelman I, Spence R (2004) An overview of flood actions on buildings. Eng Geol 73:297–309
Kreibich H, Thieken AH, Petrow T, Müller M, Merz B (2005) Flood loss reduction of private households due to building precautionary measures–lessons learned from the Elbe flood in August 2002. Nat Hazards Earth Syst Sci 5:117–126
Kreibich H, Müller M, Thieken AH, Merz B (2007) Flood precaution of companies and their ability to cope with the flood in August 2002 in Saxony, Germany. Water Resour Res 43:W03408. doi:10.1029/2005WR004691
Kreibich H, Piroth K, Seifert I, Maiwald H, Kunert U, Schwarz J, Merz B, Thieken AH (2009) Is flow velocity a significant parameter in flood damage modelling? Nat Hazards Earth Syst Sci 9:1679–1692
Mahoney K, Alexander M, Thompson G, Barsugli J, Scott D (2012) Changes in hail and flood risk in high-resolution simulations over Colorado’s mountains. Nat Clim Change 2:125–131
Merz B, Kreibich H, Thieken A, Schmidtke R (2004) Estimation uncertainty of direct monetary flood damage to buildings. Nat Hazards Earth Syst Sci 4:153–163
Merz B, Kreibich H, Schwarze R, Thieken A (2010) Review article “assessment of economic flood damage”. Nat Hazards Earth Syst Sci 10:1697–1724. doi:10.5194/nhess-10-1697-2010
Merz B, Kreibich H, Lall U (2013) Multi-variate flood damage assessment: a tree-based data-mining approach. Nat Hazards Earth Syst Sci 13:53–64. doi:10.5194/nhess-13-53-2013
Messner F, Meyer V (2005) Flood damage, vulnerability and risk perception—challenges for flood damage research. UFZ discussion Paper 13/2005
Meyer V, Scheuer S, Haase D (2009) A multicriteria approach for flood risk mapping exemplified at the Mulde river, Germany. Nat Hazards 48:17–39
Miller A (2002) Subset selection in regression, 2nd edn. Chapman and Hall/CRC Press, Boca Raton
Naumann T, Golz S, Nikolowski J (2009) Synthetic depth-damage functions—a detailed tool for analyzing flood resilience of building types. Leibniz Institute of Ecological and Regional Development (IOER), Dresden
Penning-Rowsell E, Priest S, Parker D, Morris J, Tunstall S, Viavattene C, Chatterton J, Owen D (2013) Flood and coastal erosion risk management: a manual for economic appraisal. Routledge, New York
Pregnolato M, Galasso C, Parisi F (2015) A compendium of existing vulnerability and fragility relationships for flood: preliminary results. In: Haukaas T (ed) Proceedings of the 12th international conference on applications of statistics and probability in civil engineering (ICASP12), Vancouver, July 12–15
Proverbs DG, Soetanto R (2004) Flood damaged property: A guide to repair. Blackwell Publishing, Malden
Scawthorn C, Flores P, Blais N, Seligson H, Tate E, Chang S, Mifflin E, Thomas W, Murphy J, Jones C, Lawrence M (2006) HAZUS-MH flood loss estimation methodology. II. Damage and loss assessment. Nat Hazards Rev 7:72–81. doi:10.1061/(ASCE)1527-6988(2006)7:2(72)
Schroter K, Kreibich H, Vogel K, Riggelsen C, Scherbaum F, Merz B (2014) How useful are complex flood damage models? Water Resour Res. 50:3378–3395. doi:10.1002/2013WR014396
Smith DI (1994) Flood damage estimation—a review of urban stage- damage curves and loss functions. Water SA 20(3):231–238
Soden R, Palen L, Chase C, Deniz D, Arneson E, Sprain L, Goldstein B, Liel A, Javernick-Will A, Dashti S (2015) The polyvocality of resilience: discovering a research agenda through interdisciplinary investigation and community engagement. 12th International conference on information systems for crisis response and management (ISCRAM2015), Kristiansand. http://iscram2015.uia.no/wp-content/uploads/2015/05/9-d.pdf
Taggart M, van de Lindt J (2009) Performance-based design of residential wood-frame buildings for flood based on manageable loss. J Perform Constr Facil 23(2):56–64. doi:10.1061/(ASCE)0887-3828(2009)
The Gordian Group (2015) R.S. means online. https://www.rsmeansonline.com/
Thieken AH, Müller M, Kreibich H, Merz B (2005) Flood damage and influencing factors: new insights from the August 2002 flood in Germany. Water Resour Res. doi:10.1029/2005WR004177
Thieken AH, Kreibich H, Muller M, Merz B (2007) Coping with floods: preparedness, response and recovery of flood-affected residents in Germany in 2002. Hydrol Sci J 52(5):1016–1037. doi:10.1623/hysj.52.5.1016
Thieken AH, Olschewski A, Kreibich H, Kobsch S, Merz B (2008) Development and evaluation of FLEMOps—a new flood loss estimation model for the private sector. In: Proverbs D, Brebbia CA, Penning-Rowsell E (eds) Flood recovery, innovation and response. WIT Press, Ashurst, pp 315–324
Trimble Navigation Limited (2015) SketchUp. http://www.sketchup.com
U.S. Census Bureau (2013) American Housing Survey. http://www.census.gov/programs-surveys/ahs/data/2013/ahs-2013-summary-tables/national-summary-report-and-tables—ahs-2013.html. Accessed 1 Aug 2016
U.S. Census Bureau (2016) Survey of construction. https://www.census.gov/construction/nrc/index.html. Accessed 1 Aug 2016
Acknowledgments
The authors gratefully acknowledge Dr. Leysia Palen, Dr. Leah Sprain, Robert Soden, Claire Chase, Anisha Lamsal, Devin Marsh, and Dr. Bruce Goldstein for their contributions to this research. The empirical data used for model development were provided by Douglas Bausch (formerly of FEMA) and Chris Trice (City of Boulder). We also benefitted from conversations with Bill Boyers at FEMA and Greg Guibert, Boulder’s Chief Resilience Officer. The material presented is supported by the National Science Foundation under Grant No. 1441263. Any opinions, findings, and conclusions or recommendations expressed in this material are those of the authors and do not necessarily reflect the views of the National Science Foundation.
Author information
Authors and Affiliations
Corresponding author
Rights and permissions
About this article
Cite this article
Deniz, D., Arneson, E.E., Liel, A.B. et al. Flood loss models for residential buildings, based on the 2013 Colorado floods. Nat Hazards 85, 977–1003 (2017). https://doi.org/10.1007/s11069-016-2615-3
Received:
Accepted:
Published:
Issue Date:
DOI: https://doi.org/10.1007/s11069-016-2615-3