FEMA tells Plaquemines Parish that massive insurance rate increases are coming | Page 3 | TigerDroppings.com

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4LSU2
LSU Fan
Madisonville
Member since Dec 2009
22845 posts

re: FEMA tells Plaquemines Parish that massive insurance rate increases are coming


Sad to say, but the best course of action is to blow the levees below Chalmette and let the river run its course. This will replenish the disappearing marsh that acts as a storm barrier for the city.

Let the government pay .80 on the dollar for the home's actual worth and move on. I shouldn't have to pay added dollars to pay for subsidized help for others that live in a danger zone. The flooding below the new flood wall is only going to get worse. They now want to build a flood control structure across the south end on Lake Pontchartrain/ and Lake Borne inlet at the Rigolets. This will only add to lower Plaquemines' future issues. Any storm that comes is going to send water into Plaquemines simply due to the new flood control structures.






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I B Freeman
Member since Oct 2009
5656 posts

re: FEMA tells Plaquemines Parish that massive insurance rate increases are coming


quote:

Who can afford to pay 10k per year in flood insurance on a 250k house. Given the standard 30 year mortgage, people would pay more for the insurance than the house itself.


The government should not have been subsidizing flood insurance to begin with. They don't subsidize snow insurance or tornado insurance, ect. ect. There would not be $250K houses where no subsidized flood insurance was available except those of people rich enough to rebuild.

If you think the risk in Plaquemine Parish of flooding is being over priced you are certainly free not to buy it.

What really gets me is how those of us who live inland have to pay so much for wind insurance because the state requires insurance companies to have the same rates statewide. That is not fair at all. So your wind premium is being subsidized too in Plaquemine Parish.

Just how much should each of us pay extra for you to live there??



This post was edited on 1/29 at 9:42 pm


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GREENHEAD22
LSU Fan
LafayettebywayofBush
Member since Nov 2009
8398 posts

re: FEMA tells Plaquemines Parish that massive insurance rate increases are coming


The only thing that should be in Plaq is oil and camps. Move everyone out blow the fricking levees and let that place go back to being what it wants to be, wetlands.





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islandtiger
LSU Fan
Baton Rouge
Member since Sep 2012
885 posts

re: FEMA tells Plaquemines Parish that massive insurance rate increases are coming


quote:

Why does a government offer subsidized flood programs for areas hit by a storm then years later after people have rebuilt and invested back in the area take it away and not regulate the insurance premiums? Pretty fricked up


This is a legitmate point, but I would like to think that we eventually stop making the same mistakes and not provide financial incentives that lead people to make poor choices. Lots of people want to live near costlines that are eroding, rivers that frequently flood, forested mountains suseptible to wildfires, etc. but they should do so at their own peril. Get insurance on the private market, if available, but do not expect the rest of us to subsidize the real cost of taking high risks.

As for the coastal LA issue is concerned, the elephant in the room is the billions we seem willing to spend to build levees that will only postpone the inevitible. Talk about a subsidy.






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Placebeaux
LSU Fan
One man's LOL is another man's WTF
Member since Jun 2008
24761 posts

re: FEMA tells Plaquemines Parish that massive insurance rate increases are coming


quote:

If you think the risk in Plaquemine Parish of flooding is being over priced you are certainly free not to buy it.


In special flood hazard areas where property owners with loans from federally insured or regulated lenders are required to purchase flood insurance.






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CptRusty
New Orleans Saints Fan
We are the ones who knock
Member since Aug 2011
4218 posts

re: FEMA tells Plaquemines Parish that massive insurance rate increases are coming


quote:

This is a legitmate point, but I would like to think that we eventually stop making the same mistakes and not provide financial incentives that lead people to make poor choices.


This. This right here.

It sucks for the people who moved back over there and are getting screwed, however, the gov. never should have started subsidizing the insurance in the first place, and most certainly should not continue to do so. This is the proverbial pulling off of the bandaid.







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4LSU2
LSU Fan
Madisonville
Member since Dec 2009
22845 posts

re: FEMA tells Plaquemines Parish that massive insurance rate increases are coming


quote:

The only thing that should be in Plaq is oil and camps. Move everyone out blow the fricking levees and let that place go back to being what it wants to be, wetlands.


Us OB brethren have the answers to all of the world's problems.






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GREENHEAD22
LSU Fan
LafayettebywayofBush
Member since Nov 2009
8398 posts

re: FEMA tells Plaquemines Parish that massive insurance rate increases are coming


Damn skippy, how simple everything would be if we were in control.


wouldn't be many uncollared dog running around that for sure.






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Placebeaux
LSU Fan
One man's LOL is another man's WTF
Member since Jun 2008
24761 posts

re: FEMA tells Plaquemines Parish that massive insurance rate increases are coming


quote:

The only thing that should be in Plaq is oil and camps. Move everyone out blow the fricking levees and let that place go back to being what it wants to be, wetlands.


Many people for years wanted flood plains to do that but between the oyster fisherman and the Army Corp it never had a chance.

What your saying is easy to say if your not invested or have no ties there. My family owns property down there and does business down there.

I'll give you an example of how people in plaquemines have been getting screwed since Katrina:
My in laws lived in Buras all their lives. Before the storm their house was appraised at 425k. Katrina hits and three months later they start rebuilding. Ten months later the Army corp decides they are going to move the levees which means that my in laws house must be torn down. They put about 25k of there own money into the house since Katrina because insurance compaines were draging their feet. Army corp calls my in-laws and says they will buy her a house of equal or lesser value anywhere in Louisiana, even mails her a letter stating this(I saw it). So they have a house built in Thibodaux for 285k, much less then the house in Buras appraised for. THE DAY OF CLOSING the Army corp calls and tells them that they are not going to pay them ANYTHING. Now they tore down the house in Buras months ago and then left them out to dry. Not a lawyer would take their case because YOU CANNOT SUE THE ARMY CORP.

frick the government



This post was edited on 1/29 at 10:18 pm


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GREENHEAD22
LSU Fan
LafayettebywayofBush
Member since Nov 2009
8398 posts

re: FEMA tells Plaquemines Parish that massive insurance rate increases are coming


I never said they dont screw people, shite if anyone on here has read any of my post they know there is very few things I hate more than the government.





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Placebeaux
LSU Fan
One man's LOL is another man's WTF
Member since Jun 2008
24761 posts

re: FEMA tells Plaquemines Parish that massive insurance rate increases are coming


Oh I know but if you have nothing invested down there, what you and your friend are saying is very easy to say.





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man in the stadium
USA Fan
Member since Aug 2006
1012 posts

re: FEMA tells Plaquemines Parish that massive insurance rate increases are coming


So lets get a few things straight:

-regardless of what incentives the government gave post Katrina, how could anyone justify not having used that money to build higher (as in at least ten-15 ft higher than previously????) I view it as mismanagement of public funds and disregard for the generosity of others on the part of the homeowners who spent it unwisely.

-FEMA is unconcerned with the past. You keep referencing how many storms have hit in the past 40 yrs/flood interval over last 40 yrs...that is irrelevant. The landscape was different then. The climate was different then. The land elevation was different then.The current rates and base flood elevations reflect the current risk. period. Other areas may be at similar elevations below sea level, but will see much less flooding due to their differnt geographies and levels of protection. Lakeview has taller levees and a lot more land between it and the gulf than Jesuit bend-hence less predicted flooding and lower rates.

-Future flood control structures have been modeled and show only small (as in less than a foot or two) effects on lower Plaquemines levees below the 100 yr protection in Belle Chasse. PLaquemines' fate is unfortunate but one of location only. The shallow bathymetry of the Breton Sound basin and Barataria basins, coupled with the stacking of surge that occurs against Plaq's levees is the primary reason for the surge heights there.

Disclaimer-I am a tenth generation S LA resident who has had family living in Plaquemines parish for at least the last 6 of those 10 generations. Reality is sad, but must be grasped and dealt with. Ive spent most of my young career in coastal restoration and LA's biggest impediment to helping itself out is typically its residents' resistance to accepting reality. We can still live here, but we need to do it differently than we have in the past.



This post was edited on 1/29 at 10:46 pm


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Siderophore
LSU Fan
Member since Nov 2010
3334 posts

re: FEMA tells Plaquemines Parish that massive insurance rate increases are coming


quote:

Why are we having to pay 10k for flood when we have only been hit by one storm in 40 years?


Why do you keep parroting this line?

I'll grant you Rita but you are just pulling excuses out of your arse to pretend as if the other cases didn't happen.

Worst one is the speculation that the only reason why it happened this past year was because of the levee system.

It may be true but it is still speculation.






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Placebeaux
LSU Fan
One man's LOL is another man's WTF
Member since Jun 2008
24761 posts

re: FEMA tells Plaquemines Parish that massive insurance rate increases are coming


quote:

regardless of what incentives the government gave post Katrina, how could anyone justify not having used that money to build higher (as in at least ten-15 ft higher than previously????) I view it as mismanagement of public funds and disregard for the generosity of others on the part of the homeowners who spent it unwisely


People built to the code. My Inlaws house was two story and the water mark was eight foot in the second floor which was eye level with the top of the levee pre katrina(about 25ft). So are people stupid for not building 25ft in the air or mismanaging funds? No. Why build so high when the government came in and built even higher levees.

quote:

-FEMA is unconcerned with the past. You keep referencing how many storms have hit in the past 40 yrs/flood interval over last 40 yrs...that is irrelevant. The landscape was different then. The climate was different then. The land elevation was different then.The current rates and base flood elevations reflect the current risk. period. Other areas may be at similar elevations below sea level, but will see much less flooding due to their differnt geographies and levels of protection. Lakeview has taller levees and a lot more land between it and the gulf than Jesuit bend-hence less predicted flooding and lower rates.


FEMA is unconcerned with the past. So just make decisions based on what? Knee jerk reactions? How often a disaster strikes is more than relevant. How is risk measured? crystal ball? The climate was different? Who are you Al Gore? Lakeview had 15ft of water for Katrina. You know how much Jesuit Bend had? NONE. Higher trees? WTF are you talking about?

quote:

Ive spent most of my young career in coastal restoration


You honestly could have fooled me.









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Placebeaux
LSU Fan
One man's LOL is another man's WTF
Member since Jun 2008
24761 posts

re: FEMA tells Plaquemines Parish that massive insurance rate increases are coming


quote:

I'll grant you Rita but you are just pulling excuses out of your arse to pretend as if the other cases didn't happen.


what other cases? The only flooding in lower plaquemines in 40 years was Katrina.






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Placebeaux
LSU Fan
One man's LOL is another man's WTF
Member since Jun 2008
24761 posts

re: FEMA tells Plaquemines Parish that massive insurance rate increases are coming


quote:

Worst one is the speculation that the only reason why it happened this past year was because of the levee system


you talking about the east bank Braithwait area right? Yes the new levees caused that flooding. Is that lower plaquemines? No.






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GREENHEAD22
LSU Fan
LafayettebywayofBush
Member since Nov 2009
8398 posts

re: FEMA tells Plaquemines Parish that massive insurance rate increases are coming


When I think lower Plaq I think south of BC.





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Placebeaux
LSU Fan
One man's LOL is another man's WTF
Member since Jun 2008
24761 posts

re: FEMA tells Plaquemines Parish that massive insurance rate increases are coming


most do but lower plaquemines starts in Diamond just north of port sulphur.





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man in the stadium
USA Fan
Member since Aug 2006
1012 posts

re: FEMA tells Plaquemines Parish that massive insurance rate increases are coming


FEMA is concerned with science, models, math, and money. Other geographies (i.e. Lakeview or anywhere else) are analyzed in complete isolation from each other. FEMA doesnt care what happened in Lakeview when studying Plaquemines. FEMA is basing these decisions on their computer models and what keeps the nationwide program solvent.

Dont pull the Al Gore shite with me. I am not debating WHY the earth is getting warmer, or WHY sea level is rising, but there is no debate that these things are happening. Humans have been measuring water levels for over 100 years continuously and the water is getting higher. The land beneath Plaquemines parish is sinking faster than anywhere else in the state. There is less marsh between the levees and the gulf now than there was 40 years ago. There are fewer and smaller barrier islands now than there were 40 years ago to knock down surge. All of this combines to prove my statements about different climates, environments, and conditions true. These are all inputs into FEMA's storm surge models. FEMA isnt calculating flood risk based on inputs from 40 years ago...it is pretty simple.

To understand storm frequency, you have to understand statistics. Our sample size of Katrina or worse events is relatively small since humans have only been recording them for roughly 200 years. Each storm in fact slightly changes the frequency of occurrence, changes what is indeed a "100-yr storm". FEMA, LSU, the state CPRA, anyone studying surge behavior uses data to create hundreds of synthetic storms which they model over hundreds of synthetic tracks to aggregate likely surges in an area...they arent concerned with a specific event from the past, they are concerned with likely future scenarios.

Part of me does sympathize with people who built to code, only to have code revised, and possibly these people should be shown assistance. I disagree with what the code was set at and the morons in government who set it. I also am not a fan of everyone leaning on the government for everything...why should the government have to exercise common sense for people instead of the citizenry seeing the changing nature of their surroundings on their own? The government doesn't stop people from building beyond code. Up until now, building at minimum code in lower Plaquemines was a reflection of lack of judgement.




This post was edited on 1/29 at 11:43 pm


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GREENHEAD22
LSU Fan
LafayettebywayofBush
Member since Nov 2009
8398 posts

re: FEMA tells Plaquemines Parish that massive insurance rate increases are coming


So we are back to what I said. The Gov need to come i and pay fair value and move everyone out. Then blow them bitches. Let mother nature do what she does and save the tax payers a whole lot of $.





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