11/19/2024 – The time to fully complete half of all FEMA-funded buyouts takes more than five years from disaster to closeout.
The screen capture below was taken from a presentation earlier this month to the Harris County Community Flood Resilience Task Force by Thao Costis, head of Harris County’s Housing and Community Development Department.
Hazard Mitigation Grant Program (HMGP) steps as shown to Harris County Flood Task Force on 11/6/24. For higher res PDF, click here.
The slide compares the time it takes to pay off an insurance claim (lower left) to the time it takes to complete a buyout (upper right).
The median is the midpoint of a frequency distribution. That means there is an equal probability of any given transaction falling above it or below it.
The thirteen steps involved in the buyout process as federal state and local governments pass information up and down the ladder to each other and homeowners can take more than six years at times. Meanwhile, insurance payouts usually take six months.
80% of Buyouts Go to Those Making Less than Median Income for Region
Sadly, buyouts affect the most vulnerable among us the most often. Approximately half of all buyouts in Harris County go to homeowners that fall into the bottom quartile of the CDC’s Social Vulnerability Index.
The bottom two quartiles (those making less than the median income for the region) account for a whopping 80% of all buyouts.
Typically, government agencies buy out homes that flood repetitively. That’s because insurance payouts after multiple floods can easily exceed the cost of a home.
But FEMA doesn’t make it easy. This 68-page PDF details all the procedures involved in a FEMA buyout.
Low-income homeowners generally are the least able to afford insurance and often have higher flood risk.
The higher flood risk can stem from living in older homes, built when less stringent building regulations were in place and when flood risk (or our estimates of it) were lower.
The Case for Business Process Re-Engineering
Regardless of the reason, buyout candidates have few good choices if they don’t have insurance. They may not be able to afford to move or afford fix up their homes. And staying put may entail health risks.
Buyout candidates may also not have the time, skills and financial resources to understand their options, navigate the application process, and wait out bureaucracies.
Buyout flow chart. Where the money comes from, how it gets to homeowners and different types of grants that are available.
Five years is a long time to wait with black mold growing in the walls.
https://i0.wp.com/reduceflooding.com/wp-content/uploads/2024/11/FEMA-Buyout-Process.jpg?fit=1100%2C611&ssl=16111100adminadmin2024-11-19 17:51:492024-11-22 14:17:53Half of FEMA-Funded Buyouts Take More Than 5 Years
Improving building codes to mandate higher home elevations
Requiring greater setbacks from rivers, streams and bayous
De-snagging to prevent log-jams from backing water up
Preserving wetlands, grasslands and forests to absorb and slow runoff, and to create recreational opportunities for nearby homeowners
Bio-swales and ditches to create more stormwater storage and positive drainage around homes
Buying out flood-prone homes and converting the property to recreational or flood-mitigation space.
I’m sure more techniques exist. But those represent the big categories.
Complex Decisions Involving Many Factors
No one tool works for all situations. And many of the tools that reduce flood risk fly in the face of other human values. They may conflict with other values beyond safety, that we hold dear. Consider, for instance, property rights, individual freedom, job formation, expanding the tax base, a desire to live near water, and risk-taking.
So how do professionals decide which tools to apply where and when?
Again, it depends on a number of factors. To name a few:
Is State or Federal disaster-mitigation aid available?
Is Disaster Relief aid available?
Homeowner Inquiry Prompted Exploration
A homeowner reacted to one of my posts today. She lives in a low-lying area near FM1485 and the San Jacinto East Fork. It flooded badly on May2, 2024. She was certain that dredging and tree removal from the East Fork would help. But after investigating the area online, then from the ground and air, I wasn’t sure.
The normal river elevation in that area is 47.25 feet.
But on May 2, the river rose to 77.4 feet – 17 feet above the top of the river banks and 30 feet above normal!
Jeff Lindner, Harris County Meteorologist, had this to say about the May flood. “Since 1994, this was the second highest crest of the river at FM 1485. It exceeded Tropical Storm Imelda by 4.0 ft and the October 1994 flood by 1.0 ft.”
Lindner continued, “The flood of record remains Harvey which was 4.0 ft higher than the May 2024 event. The river exceeded the .2% (500-yr) exceedance probability elevation at the FM 1485 bridge by 1.5 ft. The table below shows the top five highest peaks on the East Fork of the San Jacinto River since 1994 at that location.”
Residents in this neighborhood experienced five 100-year-or-greater floods in 20 years. That’s one every four years. Is the risk 1% or 25% per year?
See the FEMA floodplain map below for the area in question.
It shows you how difficult flood prediction can be. It also shows you why even nature lovers should give water in Texas a wide berth unless they are prepared to lose everything. The May flood wasn’t even related to a tropical event!
Yellow/green diagonal line is the Harris/Montgomery County line. Image shows neighborhood S of FM1485 near East Fork. Crosshatch=floodway, Aqua=100-year and Tan=500 year floodplain.
Unfortunately, most of the homes in this neighborhood didn’t look like people could afford to lose everything. And I saw several that had been totally obliterated along with two roads that washed out.
I’m not sure what this was. But it was the only structure semi-standing for blocks around.
Professionals Say Buyouts Best Option In This Case, But…
In an area like this, flood-mitigation professionals have few good options. Given the depth of flooding, three professionals told me that intervention would have to be on a massive and costly scale to make a difference. As a result, each suggested buyouts as the best, most cost-effective alternative in this area.
Shortly after the May event, I interviewed a young couple named Daniel and Kathleen Moore. They lived on some of the highest land in the subdivision, but had flooded three times in the seven years that they owned their home (Harvey, Imelda, and May 2024).
They were hoping for a buyout. I called again today to see if they succeeded, but they were selling their property and moving out of state with their new baby. Why?
While Daniel was restoring the home, someone burned it to the ground on July 28th. Nothing stands there now but a charred chimney.
This was a heartbreaking story that deeply affected me personally. I once lived in a home near a creek that flooded frequently when I had two young babies.
While buyouts may sometimes be the most cost-effective option, they are not easy, according to a County Emergency Management Director that I interviewed. Counties must apply for FEMA buyout money and then it can take years to evaluate and rank all the applications and distribute the money.
Forest Cove buyouts took five years after Harvey to complete.
Ironically, the fact that the Moore’s were in a 500-year floodplain may have hurt their buyout chances. FEMA likes money to go to homes that are insured but which flood frequently.
So What About Dredging and Tree Removal?
The Moore’s lived in Montgomery County. But the other family that contacted me lived on the Harris side of the county line in the same neighborhood.
Typical scene in East Fork south of FM1485Area has trees down everywhere.
Experts I talked to suggested dredging wouldn’t make an appreciable difference given the narrow width of the river channel and the height of flooding. Plus, it could undermine more trees along the heavily wooded banks.
Removing trees that have already fallen, they say, is a good idea. They could float downstream, form log dams that flood other homes, and/or harm boaters in Lake Houston. But who is responsible for removing them?
I asked Matt Barrett, head of SJRA’s Flood Management Division. Said Barrett, “SJRA’s jurisdiction does not include Harris County, so projects constructed in Harris County would have to be led by HCFCD.”
Distant Chances for Other Flood Mitigation
That said, Barrett also volunteered that SJRA has partnerships with both HCFCD and the City of Houston. The entities work together on multiple projects from the San Jacinto River Basin Master Drainage Plan. But finding funding remains a challenge. And large scale projects are not quick to implement.
That brings us full circle to the original question in the headline. What was or is the best thing(s) homeowners can do to reduce their flooding chances? In my opinion:
Avoid buying property near water if you have a flooding concern
I’m not a professional engineer and I do not render professional engineering opinions. But I have interviewed a lot of flood victims who wish they could turn back the hands of time and build on higher ground.
Foundation being endangered by riverbank erosion.
If you have the slightest qualms about flooding when purchasing property, make sure you consult a professional engineer to evaluate your risk and mitigation options.
Posted by Bob Rehak on 8/20/24
2548 Days since Hurricane Harvey
The thoughts expressed in this post represent opinions on matters of public concern and safety. They are protected by the First Amendment of the US Constitution and the Anti-SLAPP Statute of the Great State of Texas.
https://i0.wp.com/reduceflooding.com/wp-content/uploads/2024/08/20240820-DJI_20240820122419_0652_D.jpg?fit=1100%2C619&ssl=16191100adminadmin2024-08-20 19:27:412024-08-20 20:02:13What Can Be Done to Reduce Flood Risk?
Daniel and Kathleen Moore live with their 8-month old baby near the East Fork San Jacinto in Montgomery County. The young couple desperately wants a buyout after their house on Idle Glen in New Caney flooded three times in seven years. But no buyout is in sight.
When they bought the home, they were told it was in the 500-year floodplain. In fact, Montgomery County flood maps still show their home is in the 500-year (.2% annual chance) floodplain.
However, that determination is based on floodplain data from the 1980’s – before the Moores were even born. And since then, the area upstream from them has boomed with new development.
New Upstream Development Invalidates Old Data
For instance, Colony Ridge, just 2.5 miles to the northeast on the other side of the river, has grown 50% larger than Manhattan since 2010 – with virtually no flood mitigation measures on the East Fork side of the area.
In one seven year stretch (2017 to 2024), the Moores flooded three times. During Harvey, they flooded to nine feet. In Imelda, they got one foot. And in the no-name storm of May 2024, five feet of floodwater destroyed everything in the bottom floor of their home.
Said Daniel, “I figured Harvey was extreme. I didn’t worry too much about that. But the next two storms were different. We just can’t afford to rebuild every two or three years.” Daniel works as a mechanic. “The pay isn’t that great,” he says. “We need to move.”
Rebuilding Without Flood Insurance
After the first two floods, they rebuilt the home with money from their own pockets – without benefit of insurance. But with a new baby, they can no longer afford that.
The Moores’ story underscores how inexperience can hamstring young couples on technical issues, such as floodplain delineation and flood insurance.
The moral of this story: before you invest in a new home, consult with a professional hydrologist about the risk. Talk to neighbors about past flooding. Look for tell-tale signs like mold on neighbors’ homes, rotting wood, and elevated structures.
And buy flood insurance. It’s available through FEMA and the National Flood Insurance Program. Not all agents feel the commission justifies the trouble of handling it, especially if the home has a history of flooding, so you may get mixed signals from them. Shop around.
Moore Photos During and After May 2024 Flood
Daniel tried to return home after spending the first night with his family in a motel. He couldn’t get onto the feeder road from SH99. This picture shows FM1485 totally flooded.
FM1485 on second day of flood.Raging waters reached the top of the street sign and nearly touched the power wires.Floodwater jumbled the living room furniture.Another room totaled.
Cleanup after the Flood
I took the following shots on 5/18/24. As Daniel worked to gut his uninhabitable home once again, his wife tended the baby at her mother’s home.
Living room of Daniel and Kathleen Moore destroyed by flooding in May 2024Daniel points to height of flood waters. For reference, he is 6’5″ tall.Possessions carted to curb and picked over by scavengers.
Scavengers feel, “What difference does it make? They’re throwing this out anyway.” But it makes flood victims feel victimized all over again. Daniel says he’s found people picking through his belongings every day since the flood.
Floodwater reached the top of Kathleen’s Tahoe. It floated during the flood and turned 90 degrees. No one knows where the phone pole came from.Daniel, tired, bewildered, and still a bit dazed.
But the Moores’ trials and tribulations are not over.
Buyout Chances
The Moores have had a hard time connecting with anyone in Montgomery County who will offer them a buyout.
Ironically, the fact that they are in a 500-year floodplain that hasn’t been updated in 40 years could hurt their buyout chances. FEMA scoring generally favors those with higher risk.
FEMA also favors homeowners with flood insurance. That’s because buying out the homeowners would likely save FEMA money on insurance reimbursements after multiple floods.
But that’s not all.
River Rising Again
Before leaving the Moores’ home, I put my drone up and saw this.
East Fork rising again. Out of banks and flooding FM1485 (right) near 1 PM on May 18, 2024. Looking E.Note river on middle right already had risen over one road in the neighborhood.Daniel says FM1485 is totally under water now.
As of 6 PM, the National Weather service shows the river is still rising. They predict it will crest tonight just under major flood stage near 69 feet.
NWS prediction as of 5:52 PM on 5/28/24 for gage within blocks of Moore home.
That should bring the water close to the Moores’ front door again.
As I drove around his neighborhood, I marveled at the number of abandoned and flooded homes. One can only wonder whether this neighborhood will survive.
Please pray for the safety of all who live there.
Posted by Bob Rehak on 5/18/24
2454 Days since Hurricane Harvey and 2 Weeks since the No-Name Flood of 2024
https://i0.wp.com/reduceflooding.com/wp-content/uploads/2024/05/20240518-RJR_3527.jpg?fit=1100%2C733&ssl=17331100adminadmin2024-05-18 19:28:082024-05-18 20:51:01Flooded 3 Times in 7 Years in 500-Year Floodplain, But No Buyout
Harris County Flood Control District (HCFCD) released its November report on Flood-Bond progress to Commissioners Court yesterday. The report covered through October 2022. I had two major take-aways:
The slowdown in bond spending continues. HCFCD initiated no new construction projects during the month of October.
HCFCD spent more money on buyouts than flood reduction.
The major announcement: the District advertised bids for the construction of a stormwater detention basin in Inwood Forest. The project encompasses property owned by the City of Houston located both east and west of Antoine where Vogel Creek outfalls into White Oak Bayou (the old Inwood Forest Golf Course). It will eventually have a total of 12 interconnected compartments.
Funding of this project comes from the 2018 Bond, FEMA and the Texas Division of Emergency Management (TDEM). HCFCD hopes construction will begin in winter 2022-23. But let’s look at what has happened, instead of what will.
Overview
Since the last update, HCFCD:
Awarded NO construction projects
Awarded 9 non-construction agreements totaling $33 million
Paid $1.2 million for professional services.
Completed 28 home buyouts valued at approximately $5 million
Spent a total of $9.9 million since the last update.
Those last two bullet points mean…
HCFCD spent more on buyouts than flood reduction in the month of October.
HCFCD uses some buyouts for right-of-way (ROW) acquisition to build detention ponds or widen channels. But many buyouts simply avoid repetitive losses. The latest update does not specify which category October buyouts fell into.
Schedule performance indicators (the SPI index) for the month remained at .95 – behind schedule. HCFCD says the bond program is 23.8% completed – an increase of 0.3% from the previous month. That’s at 50 months out of a planned 120 month program or 41.6% of the way into the bond program.
Where the Money Has Gone
Only three projects out of 181 in the Bond changed stages. One went into preliminary engineering and two went from preliminary engineering into right-of-way acquisition. All are in the Cedar Bayou watershed.
The map below shows where $1.14 billion spent to date has gone.
In table form, that looks like this. I provided three months of data so you can see whether the needle is moving in your watershed. Five watersheds received no money in October.
Spending changes by watershed for the last three months.
October’s $9.9 million was only slightly better than September.
Project Phasing Influences Spending Rates
Projects typically go through phases that comprise different percentages of the total budget. In flood control, upfront spending on studies typically comprises only 13% of the total. The big spending – 79% – happens for right-of-way acquisition and construction. Looking back at all phases of all projects since 2000…
Right-of-Way Acquisition and Construction account for almost four out of every five dollars spent by HCFCD.
Here’s how the breakdown looks:
Data compiled from FOIA Request
HCFCD typically spends six times more on Rights-of-Way and Construction, than upfront Feasibility Studies, Preliminary Engineering Reviews and Design.
More than four years into the bond, many projects should be entering the more expensive phases. So you would expect spending to increase. And July totals reflected that. But then a precipitous decline set in.
At the current spend rate, it would take 32 years to complete the bond, not 6.
Why the Slowdown?
HCFCD has not yet explained the slowdown except to say that, during the course of major programs like the Flood Bond, sometimes you hit lulls between major projects. But this slowdown has persisted for three months. No construction projects started last month. And Inwood-Forest stormwater-detention-basin construction likely won’t start for several more months.
Management Turnover – HCFCD recently lost its top three leaders who architected the Flood Bond: Russ Poppe, Matt Zeve, and Alan Black.
Less Experienced Management – Poppe was replaced by an academic who formerly managed the Subsidence District which has a budget one-thousandth the size of the 2018 flood bond.
More Layers of Management – There’s now a whole new department – County Administration – between Flood Control and Commissioners Court.
Bottom line: County Judge Lina Hidalgo needs to provide an explanation for the slowdown. This affects all Harris County residents, not just those in particular watersheds.
Posted by Bob Rehak on 11/30/2022
1919 Days since Hurricane Harvey
The thoughts expressed in this post represent opinions on matters of public concern and safety. They are protected by the First Amendment of the US Constitution and the Anti-SLAPP Statute of the Great State of Texas.
https://i0.wp.com/reduceflooding.com/wp-content/uploads/2022/11/Screenshot-2022-11-30-at-12.42.00-PM.png?fit=1270%2C954&ssl=19541270adminadmin2022-11-30 12:54:322022-11-30 13:06:15HCFCD Spending Slows; More Went to Buyouts than Flood Reduction
Below is a roundup of flood news this week – seven quick stories.
Montgomery County Buyout Deadline Fast Approaching
The deadline for the current round of buyout applications in Montgomery County is November 30, 2022.
The Montgomery County Office of Homeland Security and Emergency Management still has money left in a Community Development Block Grant for Disaster Recovery (CDBG-DR). The U.S. Department of Housing and Urban Development (HUD) and the Texas General Land Office (GLO) allocated the money to buy out homes flooded during 2016 and 2017 (Harvey).
There are strict eligibility requirements; see the applications online. However, MoCo is now taking applications from homeowners who flooded repeatedly regardless of income level. Previously, the county was giving preference to low-to-middle income (LMI) families meet HUD’s LMI quotas.
While HUD does cap maximum buyout costs, Montgomery County offers several “credits” that can help people. Those include, but are not limited to special credits for seniors and veterans, and for moving expenses.
The county is hosting a series of meetings to help residents understand their options. More details to follow in a separate post on this subject.
The public comment period for the San Jacinto Regional Flood Planning Group’s draft plan closed on October 29th. Here’s an overview of their recommendations. One was developing detention on and channelizing portions of Spring Creek. The Bayou Land Conservancy (BLC), one of the Houston region’s leading conservation groups, had concerns with that.
BLC submitted this letter. It details the dangers of channelization to the 14,000 acres it preserves. In particular, BLC feels the report does not adequately consider erosion that could be caused by speeding up floodwaters. They say that detention and channelization projects could destabilize the entire natural system along Spring Creek. They urge more study on sedimentation and erosion before moving forward with construction.
The next step: the Regional Flood Planning Group will consider all comments received and modify the draft plan as needed.
$750 Million HUD Grant to Harris County
After promising to submit its $750 million Method of Distribution (MOD) to the GLO by the end of September, Harris County still has not yet submitted it. GLO first said it planned to allocate the money to Harris County in May, 2021 – 17 months ago!
The MOD is a plan that shows how Harris County would allocate the money. Who gets how much for what? MOD approval is necessary to ensure the County spends the money in accordance with HUD and GLO requirements.
Community Services said that it planned to deliver the MOD to GLO by the end of September and publish the draft MOD by the end of October. Neither happened. The last response from Community Services was at the start of October.
At that time, the department head said the group had determined a “process” for developing the MOD. But they had yet to define any projects. For that, they were waiting for “direction from leadership.” As a result, $750 million that could mitigate flooding in Harris County is still sitting in Washington at HUD.
Meanwhile, GLO also notified H-GAC of a $488 million dollar allocation on the same day in May, 2021. H-GAC has already developed its MOD and gotten it approved. And H-GAC sub-recipients are reportedly already taking bids on projects.
There’s a lot of flood-mitigation money waiting in the wings that could accelerate Harris County projects. The longer Community Services waits, the more it places the money in jeopardy. Fifty percent must be spent in the next three years.
“Water Has a Memory”
New York 1 published a fascinating story about an ecologist tracing New York flooding back to its roots with old maps. The title: “A map of New York City before it was a city could provide answers to today’s flooding.”
The central figure in this detective story is Eric Sanderson. He cross-references current flooding issues with a historical chart of “the city’s buried, drained, filled-in or paved-over waterways.”
In every case, he says, the problems have the same roots.
People built lives in places that used to be underwater. And water, he says, has a memory.
“Maybe there was a wetland there, maybe there was a stream there, maybe there was a pond there, and people have forgotten,” Sanderson said in the interview.
All but a few of the 131 mini-homes at the Preserve at Woodridge are now framed out. The closer this site gets to completion, the more I question the accuracy of the engineer’s claim of only 66% impervious cover.
ThePreserve at Woodridge will feature some homes as large as 660 square feet and four feet apart.Photo October 31, 2022.Kids will love this area for Halloween. More candy per footstep.
Flood-Insurance Flap
The Houston Chronicle recently published an editorial about new flood Insurance rates designed to stanch financial hemorrhaging in the National Flood Insurance Plan. The title: “What happened to affordable flood insurance?”
For the first time this year, FEMA is trying to put flood insurance rates on an actuarial basis. But weening people off nationally subsidized insurance is proving difficult. The article claims some people have 500% rate increases even though increases are capped at a far lower rate.
While bemoaning the unintended consequences of well-intended reforms, the editorial proposes a solution: making flood-insurance rates “income based”!
One wonders about the unintended consequences of that. Will the availability of cheap flood insurance encourage building low-income housing only in the riskiest areas?
We shouldn’t forget that it was the availability of cheap flood insurance that encouraged building in flood-prone areas to begin with.
There may be no good solutions to this problem. Many feel government should have never have gotten involved in flood insurance from the start.
One insurance agent I talked to suggested this. “Worst case: offer buyouts to people who can’t afford flood insurance with the understanding that if declined, then there will be no more assistance for financial losses due to flooding.”
I personally favor a two-tiered public/private approach similar to Medicare. Cap the federally subsidized insurance at a level that stops the hemorrhaging. Then, let private insurers fill the gaps up to the full value of expensive homes.
This debate could take years.
Flooded homes on Cypress Creek. From CyCreekStopTheFlooding.com.
New Netflix Series: High Water
Sally Geis, a former Kingwood resident, wrote me about a new Netflix show called “High Water.” It’s based on true events in 1997. It describes a massive flood that took place in Wrocław, Poland. The flood caused $3.5 billion in damages and put almost half of the city underwater.
However, it could have been smaller if one of the villages had allowed the incoming flood waters to be diverted onto their fields. Their “not-in-my-backyard” refusal and the disastrous individual and community consequences are the theme of the series. Sound familiar?
The acting and production design are first-rate, according to Geis. “It’s a story about a real disaster and real problems that can happen anywhere on the globe right now,” she says.
The thoughts expressed in this post represent opinions on matters of public concern and safety. They are protected by the First Amendment of the US Constitution and the Anti-SLAPP Statute of the Great State of Texas.
Tomorrow is the fifth anniversary of Hurricane Harvey. Many in the Lake Houston Area have asked, “Are we safer now?” The answer is yes, but we have a long way to go to achieve all our goals. Here’s a five-year flood-mitigation report card. It describes what we have and haven’t accomplished in 29 areas. So get ready for a roller coaster ride. I’ll leave the letter grades to you.
Lake Houston Area Mitigation
1) Dredging
The most visible accomplishment in the Lake Houston Area since Harvey is dredging. The City and Army Corps removed approximately 4 million cubic yards of sediment blocking the West and East Forks. Before dredging, River Grove Park flooded six times in two months. Since dredging, it hasn’t flooded once to my knowledge.
West Fork mouth bar after Harvey and before dredging. Now gone, but not forgotten.
Potential location for new tainter gates east of the spillway portion of the dam (out of frame to the right.
3) Upstream Detention
To reduce the amount of water coming inbound during storms, the San Jacinto River Basin Master Drainage Study identified 16 potential areas for building large stormwater detention basins. Unfortunately, they had a combined cost of $3.3 billion and would only reduce damages by about a quarter of that.
So, the SJRA recommended additional study on the two with the highest Benefit/Cost Ratio. Their hope: to reduce costs further. The two are on Birch and Walnut Creeks, two tributaries of Spring Creek near Waller County. Expect a draft report in February next year.
Funding these would likely require State assistance. But the Texas Water Development Board’s San Jacinto Regional Flood Planning Group has just recently submitted its first draft report. The draft also recommended looking at detention basin projects on West Fork/Lake Creek, East Fork/Winters Bayou, and East Fork/Peach Creek.
Building them all could hold back a foot of stormwater falling across 337 square miles. But funds would still need to be approved over several years. We’re still a long way off. Results – on the ground – could take years if not decades.
4) “Benching”
The Regional Flood Planning Group also recommended something called “benching” in two places along 5 miles of the West Fork. In flood mitigation, benching entails shaving down a floodplain to create extra floodwater storage capacity. Like the detention basins, benching is still a long way off…if it happens at all.
5) West Fork Channel Widening
Finally, the Regional Flood Planning Group recommended widening 5.7 miles of the West Fork to create more conveyance. But again, at this point it’s just a recommendation in a draft plan.
San Jacinto River Authority
6) SJRA Board Composition
After Harvey, many downstream residents accused SJRA of flooding downstream areas to save homes around Lake Conroe. At the time, SJRA’s board had no residents from the Humble/Kingwood Area. So Governor Abbott appointed two: Kaaren Cambio and Mark Micheletti. Cambio later resigned due to a potential conflict of interest when she took a job with Congressman Dan Crenshaw. That leaves Micheletti as the lone Humble/Kingwood Area resident on a seven-person board. However, the SJRA points out that the Board’s current president, Ronnie Anderson, represents Chambers County, which is also downstream.
State Representative Will Metcalf, who represents the Lake Conroe area, introduced a bill to limit SJRA board membership to upstream residents. Luckily for downstream residents, it failed.
7) Lake Conroe Lowering
SJRA identified temporary, seasonal lowering of Lake Conroe as a strategy to reduce downstream flood risk until completion of dredging and gates projects in the Lake Houston Area. The lowering creates extra storage in the lake during peak rainy seasons. After SJRA implemented the plan, Lake Conroe residents objected to the inconvenience. They sued SJRA and the City, but lost. After discussion with all stakeholders, the SJRA quietly modified its plan. It still lowers the lake, but not as much.
8) Lowering Lake Houston
Houston also started lowering Lake Houston, not seasonally, but in advance of major storms. The City has lowered the lake more than 20 times since beginning the program. That has helped to avoid much potential flooding to date.
9) Lake Conroe Dam Management
SJRA applied for and received several TWDB grants to enhance flood mitigation and communications in the San Jacinto River Basin. One involves developing a Lake Conroe Reservoir Forecasting Tool. SJRA has also worked with San Jacinto County to develop a Flood Early Warning System.
Finally, SJRA’s Lake Conroe/Lake Houston Joint Reservoir Operations Plan is on hold pending completion of the City’s plan to add more gates to the Lake Houston dam. Such projects may help reduce the risk of releasing unnecessarily large volumes of water in the future.
However, the location is controversial. Geologists say it wouldn’t reduce sediment in the area of greatest damage. Environmentalists worry that it could increase sedimentation through a “hungry-water” effect and open the door to river mining. And I worry that, even if successful, the pilot study would not be extendable. That’s because it relies on partnerships with sand miners. And other tributaries to Lake Houston do not have sand mines or as many sand mines.
Sand bar blocking West Fork after Harvey. The Corps has since removed it.
Federal Funding
It’s hard to get good grades on your flood mitigation report card without funding.
$1.6 million for HCFCD for Taylor Gully stormwater channel improvement.
$1.6 million for HCFCD for Kingwood Diversion Channel improvement.
$1.67 million for Harris County for the Forest Manor drainage improvement project in Huffman.
$8.2 million from FEMA the Westador Basin stormwater detention project on Cypress Creek.
$9.9 million from FEMA for the TC Jester storm water detention basin on Cypress Creek.
Crenshaw also has backed community requests for more funding in Fiscal 23. They include:
$8 million for the Lake Houston Dam Spillway (Gates).
$10 million for the Woodridge Stormwater Detention Basin (see below).
$10 million for a Cedar Bayou Stormwater Detention Basin.
Harris County Flood Control
19) Channel Maintenance and Repair
Harris County Flood Control has already completed several maintenance projects in the Lake Houston Area. In Kingwood, those projects include Taylor Gully, Ben’s Branch, parts of the Diversion Ditch and other unnamed ditches. In Atascocita, HCFCD also completed a project on Rogers Gully. Upstream, HCFCD is working on the third round of repairs to Cypress Creek. Batch 3 includes work at 12 sites on 11 channel sections. I’m sure the District has maintenance projects in other areas, too. I just can’t name them all.
Bens Branch near Kingwood High School after sediment removal.
In 2019, uncontrolled stormwater from the Woodridge Village development twice flooded approximately 600 homes in Elm Grove Village and North Kingwood Forest. HCFCD and the City purchased Woodridge from Perry Homes last year. HCFCD soon thereafter started removing sediment from the site to create a sixth stormwater detention basin that would more than double capacity on the site. At the end of last month, contractors had removed approximately 50,000 cubic yards out of 500,000 in the contract. This gives HCFCD a head start on excavation while engineers complete the basin’s final design.
21) Local Drainage Study Implementation
HCFCD authorized four studies of the drainage needs in the Lake Houston Area. They completed the Huffman and Kingwood studies. Atascocita and East Lake Houston/Crosby started earlier this year and are still underway.
The Kingwood study measured levels of service in all channels and outlined strategies to improve them to the 100-year level. The first two projects recommended: Taylor Gully and the Kingwood Diversion Ditch. Neither has started construction yet. But see the notes under funding above.
The Huffman Study recommended improvements to FM2100, which TxDOT will handle. It also recommended dredging in the East Fork near Luce Bayou which the City has completed. Finally, it recommended a bypass channel for Luce. However, pushback from residents forced cancellation of that project.
22) Buyouts
HCFCD completed buyouts of 80+ townhomes on Timberline and Marina Drives in Forest Cove last month. Contractors demolished the final run-down complex in August. That should improve property values in Forest Cove.
Completion of demolition of one of the last Forest Cove Townhome Complexes in July 2022.
23) Regulation Harmonization
Harris County Flood Control and Engineering have been working to get municipalities and other counties throughout the region to adopt certain minimum drainage regulations. I discussed the importance of uniformly high standards in last night’s post. So far, about a third of the governments have upgraded their regs. A third are still deciding whether to act. And the remainder have taken no action. There has been little movement in the last six months.
City of Houston
As mentioned above, the City has taken a lead role in dredging, adding gates to Lake Houston, and proactive lake lowering. In addition, the City has helped with:
24) Bridge Underpass Clean-Out
The City of Houston successfully cleaned out ditches under Kingwood Drive and North Park Drive in at least six places. Bridges represent a major choke point during floods. So eliminating sediment buildups helps reduce flood risk in areas that previously flooded.
Excavation of Bens Branch under Kingwood Drive by City crews.
The lowest score on the flood-mitigation report card probably goes to LSGCD.
26) Subsidence
The Lone Star Groundwater Conservation District has started pumping groundwater again at an alarming rate. Projected subsidence near the Montgomery County Border equals 3.25 feet, but only 1 foot at the Lake Houston dam. That could eventually tilt the lake back toward the Humble/Kingwood/Huffman area and reduce the margin of safety in flooding. That’s bad news.
Sand Mining Regulations
Twenty square miles of West Fork sand mines immediately upstream from I-69 have exposed a swath of floodplain once covered by trees to heavy erosion during floods. Mathematically, the potential for erosion increased 33X compared to the normal width of the river. Sand mines were also frequently observed releasing sediment into the river. And the dikes around the mines often wash out.
So in 2019, the Lake Houston Area Grassroots Flood Prevention Initiative (LHAGFPI) began meeting with legislators, regulators and the Texas Aggregate and Concrete Association (TACA). The goal: to establish comprehensive Best Management Practices (BMPs) for the sand mining industry in the San Jacinto River Basin.
27) Mine Plan/Stabilization Reports Now Required
TCEQ adopted new regulations, effective January 6, 2022. They required miners to file a ‘Mine Plan’ by July 6, 2022 and also a ‘Final Stabilization Report’ when a mine is played out.
28) Vegetated Buffer Zones (Setbacks)
The new regs also stipulate undisturbed vegetative buffer zones around new mines. Buffer zones aid in sediment filtration and removal by slowing surface water. They also strengthen dikes.
The new regs require a minimum 100-foot vegetated buffer zone adjacent to perennial streams greater than 20 feet in width. However, for streams less than 20 feet wide, the buffer zone is only 50 feet for perennial streams, and 35 feet for intermittent streams.
29) Reclamation Bonds
Unfortunately, the Flood Prevention Initiative could not convince TCEQ to require ‘reclamation bonds.’ Other states use such bonds to prevent miners from abandoning mines without taking steps to reduce future erosion, such as planting vegetation.
My apologies to any projects or parties I omitted. Now it’s your turn. Give grades to those you think have done the best job on YOUR Harvey flood-mitigation report card.
Posted by Bob Rehak on 8/26/22
1823 Days since Hurricane Harvey and one day from Harvey’s Fifth Anniversary
https://i0.wp.com/reduceflooding.com/wp-content/uploads/2021/04/20210416-DJI_0406.jpg?fit=1200%2C900&ssl=19001200adminadmin2022-08-26 22:09:382022-08-27 12:10:28Harvey: A 5-Year Flood-Mitigation Report Card
Harris County Flood Control District (HCFCD) has completed condemnation proceedings on the last unit in another townhome complex on Marina Drive in Forest Cove. They will schedule the units for demolition as early as next week.
Forest Cove Townhomes destroyed by Harvey on Marina Drive could soon be demolished. Red rectangle contains censored graffiti.
Amy Stone, a spokesperson for HCFCD said, “There were nearly 90 units in that community! All required appraisals, offers, negotiations, closings and demolitions.”
I previously reported that some owners abandoned their properties and that HCFCD could not locate them. Those units had to go through condemnation proceedings before demolition could begin.
Stone reports that two complexes remain. HCFCD closed on the last unit in one last month and completed the site inspection last Thursday. “We are waiting for the asbestos survey report to come back. We should have a demolition date by next week,” said Stone.
Asked about the other complex, Stone reported, “1020 Marina Dr. will be demolished once the last unit is purchased. This unit is currently in condemnation.”
HCFCD and FEMA like buyouts to be voluntary wherever possible. But in the case of missing owners, condemnation may be necessary. This is a big reason why buyouts take so long. HCFCD cannot demolish a building until they own all units within it.
Some Investors Never Learn
So here we are…1744 days since Harvey made the buildings structurally unsound.
Multi-family housing represents a poor choice for homes in such high risk neighborhoods. But before these units are even demolished, Chinese investors seek to build more, even closer to the river, about a mile downstream. Residents who bought condos in this area before Harvey tell me that they have spotted developers pitching this idyllic location to busloads of Chinese tourists in the area below.
I’m guessing Forest Cove is not on the tour.
Condos under construction in Kings Harbor last year. San Jacinto West Fork is just feet away.
Posted by Bob Rehak on June 8, 2022
1744 Days since Hurricane Harvey
The thoughts expressed in this post represent opinions on matters of public concern and safety. They are protected by the First Amendment of the US Constitution and the Anti-SLAPP Statute of the Great State of Texas.
https://i0.wp.com/reduceflooding.com/wp-content/uploads/2022/02/20220224-DJI_0339-copy.jpg?fit=1200%2C799&ssl=17991200adminadmin2022-06-08 20:09:272022-06-08 20:09:30Forest Cove Townhome Complex Ready for Demolition
Morgan Lumbley, Montgomery County’s Disaster Recovery Manager, will hold community outreach meetings in Spring, Conroe and Splendora in the next 10 days to explain buyout options for flood victims. “It is my hope that through positive engagement we can provide the ability for homeowners to relocate out of harm’s way,” said Lumbley.
See specifics about times, dates and places in the poster below.
Anybody in Montgomery County may attend any meeting. Choose the most convenient.
The primary purpose of the meetings will be to explain FEMA’s 2021 Flood Mitigation Assistance (FMA) program, but Lumbley will also explain HUD’s Community Development Block Grant Disaster Recovery (CDBG-DR) buyout program.
If you’re a Montgomery County resident and you’ve ever wondered whether you qualified for a buyout, whether you could get fair compensation for your home, or how you could apply, these meetings are for you.
The meetings will cover:
Who qualifies (eligibility requirements)
For which type of assistance (FEMA vs. HUD)
How long it takes
The application process
How homes are valued
How to get help filling out the forms if you need it
Importance of Meetings and Timing
Lumbley described the meetings as community outreach. She needs to identify properties owners interested in buyouts and determine their eligibility. Once she does that, she will apply to FEMA for an FMA grant (Flood Mitigation Assistance) equal to the total value of all homes that quality.
The application process happens once a year. If interested, learn how to apply now.
The FEMA Flood Mitigation Assistance Grant basically has two requirements.
It has to be a severe repetitive loss or a just a repetitive loss property, as indicated by the National Flood Insurance Program (NFIP).
You must currently have a NFIP policy backed by FEMA. Private insurance is not eligible.
Lumbley cautions that getting a buyout can take years. “It’s not a tomorrow-type thing,” she said. “We may not have anything final for another year and a half to two years. So we’ll talk about that first. Then realizing that some may not qualify for FEMA’s program, we will also talk about HUD buyouts.”
FEMA Applications Due Back November 15th
Once Lumbley determines the number of homes that meet requirements, she will build a budget around those eligible homes. “We are basically saying to FEMA, ‘If you give us this money, these are the homes that we’re going to buy out. That’s how we establish the budget.”
“It all comes down to how many eligible individuals want to participate,” said Lumbley. “We will submit the county’s application to FEMA with five or a 100 homes.”
Definitions of Repetitive Loss and Severe Repetitive Loss
“Very specific definitions exist for repetitive loss and severe repetitive loss properties,” she said. “A repetitive loss property has had flood related damage on two occasions in which the cost of repairs averaged together equal or exceed 25 percent of the market value of the structure – at the time of the floods.Severe repetitive loss properties have had four or more separate floods, with each claim being $5000 or more. And at least two of those claims have to be within a 10 year period.”
“Another way to qualify as a severe repetitive loss is to have at least two separate NFIP claims that that total more than the market value of the structure,” she added.
Valuation
“We will write the county’s 2021 FEMA grant application to reflect current market value of homes. If FEMA approves that, applicants would get whatever the competitive open market value is on the day that the appraiser goes out to appraise it.”
HUD grants are based on pre-disaster valuation. “So it goes back to the disaster on which funding is based,” said Lumbley. “We’re currently working off the 2015/2016 floods and Hurricane Harvey. So what value did the home have before the storm hit, minus any funding that the owner might have received that did not go back into the home as it was intended?”
Eligible Years Vary by Type of Grant
Community Development Block Grants from HUD are disaster specific. So to be eligible for a HUD grant, you must have been damaged during one of those ‘funded storms,’ such as 2015, 2016 or Harvey.
But FEMA FMA grants are not disaster based. So as long as you have a current NFIP backed flood insurance policy and you meet the definitions of repetitive loss or a severe repetitive loss, you could to be eligible. For instance, maybe you flooded four times in 1978, 1982, 1994 and 2001.”
it gets complicated. If you’re interested in a buyout, the time to explore it is now – at one of these meetings – and the person to ask is Lumbley.
If you know someone interested in a buyout, make sure he/she attends one of these meetings. Please share this post with others in Montgomery County.
Posted by Bob Rehak on 11/3/2021 based on information from Morgan Lumbley
1527 Days since Hurricane Harvey
https://i0.wp.com/reduceflooding.com/wp-content/uploads/2021/11/20211027-image0.jpg?fit=1200%2C1006&ssl=110061200adminadmin2021-11-03 18:41:462021-11-03 20:23:45Montgomery County Holding Three Meetings for Flood Victims Interested in Buyouts
For this round of funding, the TWDB selected 19 sub-applications from local government entities. After screening, FEMA eliminated 6 and identified 13 “for further review.”
Here’s a summary from the TWDB of what they will vote on.
Harris County Drainage Project in Bear Creek Village
Bear Creek Village is located on the west side of the Addicks reservoir near Highway 6. This is an $11.3 million project of which the federal government would pay $8.5 million.
The Harris County project would mitigate 1,421 structures. The current storm sewer system is designed for a 3-year event and is inadequate to collect and drain extreme event runoff. The proposed drainage improvements are intended to provide an additional flow path, so that excess storm water is contained within street right-of-way to an outfall. The project will incorporate a combination of channel construction, street regrading, and enhancement of outfalls. The project has a positive Benefit-Cost Ratio of 1.09.
Harris County Flood Control District Single-Family Home Acquisitions
Total cost = $16.7 million with federal government paying $14.7 million.
Harris County Flood District seeks to mitigate 61 structures: 23 Severe Repetitive Loss structures, 17 Repetitive Loss structures, and 21 at risk of continual future flooding. HCFCD would acquire and demolish structures, then convert the land to open green space. The project has a positive Benefit-Cost Ratio of 1.09.
Harris County Flood Control District Commercial Acquisition
This is a $3.7 million buyout with the federal government picking up the whole tab.
Harris County Flood Control District wants to buy out a hotel on the east freeway with a severe repetitive loss history. HCFCD would demolish the property and convert the land to open green space. The project has a positive Benefit-Cost Ratio of 1.84. The grant application notes that since 1979, FEMA has paid out $8 million in NFIP claims on this property.
City of Houston Single-Family-Home Elevation Project
Total Cost $1.5 million (all paid by federal government) to elevate 5 severe-repetitive-loss homes ($300,000 each). All would be elevated at least 2 feet above the 500-year floodplain. That would hopefully reduce or eliminate future NFIP claims. The project has a positive Benefit-Cost Ratio of 1.1.
Jersey Village Single-Family-Home Elevation Project
Total Cost $4.9 million with federal government covering $400,000.
Jersey Village seeks elevate 16 structures: 10 are Severe Repetitive Loss, five Repetitive Loss and one at risk of continual future flooding. Elevation will raise structures one-foot above Base Flood Elevation per the City’s freeboard requirements. The project has a positive Benefit-Cost Ratio of 1.32.
Montgomery County Single-Family-Home Acquisition and Demolition
Total Cost = $12.6 million with federal share of $12.4 million.
Montgomery County seeks to mitigate 40 flood prone structures (31 Severe Repetitive Loss and 9 Repetitive Loss structures) by acquisition, demolition, and the conversion of land to open green space. The project has a positive Benefit-Cost Ratio of 1.36.
Tammy Gunnels’ Home in Porter is an example of a Severe Repetitive Loss Home. It flooded like this 13 times in 11 years and was bought out yesterday as part of another Montgomery County grant.Before the buyout, it cost FEMA more than 3 times its fair market value and would have continued flooding had nothing been done.
Pearland Single-Family-Home Elevation Project
Total Cost $500,000, all covered by federal government.
The City of Pearland seeks to mitigate two Severe Repetitive Loss structures by elevation one-foot above the Base Flood Elevation per the City’s freeboard requirements. The project has a positive Benefit-Cost Ratio of 1.08.
Taylor Lake Village Single-Family-Home Elevation Project
Total Cost $2.77 million with federal government covering $2.75 million.
Taylor Lake Village wants to elevate eight Severe Repetitive Loss structures and one Repetitive Loss structure one foot above the 100-year flood level. The project has a positive Benefit-Cost Ratio of 3.1.
In each of the projects above, the owners have all voluntarily committed to the elevation or demolition of the structures.
Recommendation of TWDB Staff
The Executive Administrator of the TWDB recommends that his board approve all these grants. This program meets the agency’s objectives of providing financial assistance to communities to reduce or eliminate the long-term risk of flood damage and to become more flood resilient.
https://i0.wp.com/reduceflooding.com/wp-content/uploads/2018/12/Gunnels_01_01.jpg?fit=1500%2C844&ssl=18441500adminadmin2021-10-02 21:19:082021-10-02 21:19:12TWDB To Vote on Accepting $63.6 million in FEMA Flood Mitigation Assistance Grants
I first interviewed Tammy Gunnels and her husband Ronnie almost three years ago. They had flooded ten times at that point even though they weren’t in a flood zone. The Gunnels are devout people and prayed for a buyout. Friday, their prayers were answered. Here is the story of how their faith and persistence paid off in the long run. This interview also included Morgan Lumbley, the Disaster Recovery Manager for Montgomery County who guided the Gunnels through the application process.Ironically, the skies unleashed torrential rains just before the closing. But this time, everyone was smiling instead of worrying.
Ronnie Gunnels (left), Morgan Lumbley (middle), Tammy Gunnels (right) at Chicago Title in Montgomery for closing.
Early Frustration
Bob: You flooded 13 times in 11 years. Tell me how you finally got the buyout offer.
Tammy: After Harvey, one of my cleaning clients who’s an attorney vowed to find a way to get us a buyout. She put me in touch with the Office of Emergency Management for Montgomery County. Initially, they told me there were no open programs available.
Tammy: That was in 2017. Then in May of 2019, we flooded twice – on May 3rd and again on May 7th. Once more, I contacted their office and went to commissioners meetings, begging for a buyout. But nothing happened. After we flooded a third time that year during Imelda, I called their office just to scream and holler and cry into the phone. But this time, Morgan answered. I told her our story and by the end of the conversation, she was crying and promising that she was going to do everything she could.
Patience Finally Pays Off
Bob: And she wrote a beautiful note.
Tammy: She put it on her computer where it stayed until today. It says, “No one before Miss Tammy. Number one priority.” Later, she called back and said, “Look, I’ve found a couple programs. Which do you want to go with?” I said, “I don’t care. The quickest. Just get us out of this house.”
When Morgan Lumbley came to the Gunnels’ closing today, she brought the note she wrote during her first phone call with them.
Initially, we thought the buyout was going to be done in early 2020. But it kept dragging out. Red tape. Then COVID hit. That changed everything. I would email Morgan nights, weekends, whenever it rained, asking “When?” But never once did she get irritated or say, “I’m doing the best I can.”
All throughout biblical scripture, it says we do not understand His ways or His timing or His plans. If we had been bought out before now, no way would we have gotten the offer we got.
We got full current market value. We hoped the county would pay off the mortgage, which was about $60,000 but FEMA covered full market value…$250,000.
Bob: How did you find these programs, Morgan?
FEMA’s Flood Mitigation Assistance Program
Morgan: There are a couple funding programs for buyouts. The one we got the Gunnels in is FEMA’s Flood Mitigation Assistance Program. It is a “cycle funding” opportunity – available every year. But it’s a competitive grant. So, we have to fill out an application that names the homes you want to buy out – and their values – on the front end. The county collected data for “severe repetitive loss” homes. And when we won the grant, those were the people who got offers.
But buyouts are probably the slowest of all the mitigation processes. So, sometimes people drop out before deals close. And when they do, that opens up room for others.
Bob: Is that how Tammy and Ronnie got in?
Morgan: Yes. Tammy and Ronnie could also have qualified through a HUD program, but we focused on FEMA’s, because they had a current National Flood Insurance Program (NFIP) policy. It was also based on their flood losses. They were considered a “severe repetitive loss.”
Active Flood Insurance Key to Buyout
Not counting our own personal funds, NFIP spent three quarters of a million on that property. They could have bought us out five times.
Tammy Gunnels
Tammy: People said we should just walk away. But we literally had no place to go. When you flood, yeah, you get insurance. But the lien holder on your home gets the money. The lien holder releases it in increments so that you make the repairs. And they inspect the repairs before releasing the next payment. There IS no walking away. Most people don’t understand that. You don’t have money to go anywhere.
We had already drained Ronnie’s 401K and every bit of savings we had. We’re at the age that we’re supposed to be looking forward to retirement. But we don’t. I have nothing left from my kids from when they were growing up. The childhood memories – all those silly little pictures they make for you in birthday cards – I have none of that left. The floods took everything. This has aged us physically and mentally by years.
Ronnie and Tammy as they sign the last of the closing papers.
Ronnie: When we first got insurance, it was fairly cheap and then once we flooded, it skyrocketed. We were just going to handle the losses ourselves. But our neighbor said, “If you’re not insured, you can’t be on any buyout list. That woke us up. We said, “We’ve got to get back on insurance.”
The 13th Time is the Charm
Bob: So Morgan, put this in perspective for me. Flooding 13 times. Where does that rank?
Morgan: 13 is a lot.
Bob: Is it a record?
Morgan: Of those that have come across my desk, it definitely is! Five or six is pretty common, maybe even seven. But 13 is a lot. I think that’s what got me the most. To hear that someone has flooded that many times!
Tammy: Morgan says she’s the low person on the totem pole, but she’s on a throne in my heart forever.
Home Will Be Demolished and Lot Turned to Green Space
Bob: What will Montgomery County do with the home you just bought?
Morgan: Demolish it. The land will be regraded and then it becomes green space to restore the natural flood function. Nothing else. Another residential structure cannot be built on that land.
“I just want to be a normal person again!”
Bob: Tammy, where do you go with your life from here?
Tammy: I don’t think we’ve even thought about it. For the last 13 years, we haven’t been able to plan anything.
Ronnie: We’re just hoping we don’t freak out every time it rains.
Tammy: I just want to go to sleep at night without pacing the floor, wondering when the next flood will hit, and whether the water will come in through the front door, the back door or the patio. I just want to be a normal person again.
Advice for Home Buyers: Research, Ask Right Questions
Bob: What advice would you give people looking for a home to buy?
Morgan: Research! Research is the biggest thing. Diligent research. Too many people take information at face value. They look at the seller’s disclosure. And it asks, “Has the home flooded?” But it doesn’t say when. And it doesn’t say how many times. And no one has to tell you that. Also, the damage amount is not indicated anywhere. And no one has to disclose that either.
If you’re looking at a house, go over to the neighbors. Knock on doors and ask, “Did you flood? Do you know if that house flooded? How high did the water get in your yard? Those are questions that you want to ask.
Ronnie: I’m guilty. I didn’t ask the right questions.
Morgan: A lot of people, when they go looking for their forever home, they’re looking at granite countertops. Is the backyard big enough for the kids? But the questions they really need to ask are, “Am I near a flood plain? Has this house been flooded? How many times? How high? Those kinds of things.”
Tammy: She is exactly right. EXACTLY.
Posted by Bob Rehak on October 1, 2021, based on an interview with Tammy and Ronnie Gunnels, and Morgan Lumbley
1494 Days since Hurricane Harvey
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