Virginia

Insurance payments to repeatedly flooding Va. properties continue to rise • Virginia Mercury

Published

6 days ago

October 22, 2024

Insurance payments to repeatedly flooding Va. properties continue to rise • Virginia Mercury

When it comes to protecting against flooding, the National Flood Insurance Program is increasingly underwater in Virginia, especially in Hampton Roads.

A new analysis and online tool created by the Natural Resources Defense Council reveals that nearly 7,000 Virginia properties had repeated claims for flood damage over 10 years. And the program, administered by the Federal Emergency Management Agency, will keep paying out. Only 554 of those properties mitigated their flood risk through methods like basement filling, house raising, or replacing it with a structure that can better withstand flooding, according to the NRDC research.

(Courtesy Natural Resources Defense Council)

“One of the most frustrating things about the flood rebuild model that we’re following in the United States is that there is currently no requirement for property owners to mitigate their property to reduce the likelihood of repeat flood damage,” said Mary-Carson Stiff, executive director of Wetlands Watch, a nonprofit based in Norfolk that helps create resilience and adaptation solutions.

In the past, FEMA has declined to provide details about flooded properties and while individual addresses are not included in the data, the new analysis includes key information about payouts, flood mitigation, and zip codes.

NRDC’s data shows that the number of repetitive loss properties continues to rise as storms grow more intense and more frequent in a warming world. They also illustrate the inadequacy of FEMA flood maps, which are updated infrequently and have relied on outdated data that looks back rather than forward at a hotter, wetter Virginia. But those maps continue to guide developers, engineers, banks, local land use officials, and homeowners when deciding where to build and finance a project.

“The cost of flooding is increasing every single year with every big storm event and small event,” Stiff said.

In Virginia, three-quarters of the repetitive loss properties are in Hampton Roads. Of those, 841 are severe repetitive loss properties, which have reported four or more claims of more than $5,000. The vast majority — 689 — have not been mitigated against future flooding. They accounted for 1% of the Virginia claims but 21% of the payments. According to NRDC, 10% of them are outside FEMA-designated flood zones. Nearly 3,000 of the properties whose owners have been paid claims in Virginia no longer have flood insurance.

Virginia Beach had 128 severe repetitive loss properties paid more than $20 million. That’s an average of more than $150,000 each. Of that, 114 were not mitigated. Norfolk had 125 severe loss properties paid $18 million with 93 not mitigated. Hampton had 110 properties paid $18.2 million with 91 not mitigated. Poquoson, a city of about 12,500 on a peninsula on the western shore of the Chesapeake Bay, had 50 severe risk loss properties paid nearly $6.6 million.

The NRDC data illustrates the co-dependent flood and payout cycle it calls “losing ground.”

In some cases, the damage payouts exceeded the property’s value. In Norfolk, one single family home received $173,736 over seven claims, but had a value of $104,400, according to the database. It was not protected against future flooding. A Virginia Beach home worth $149,400 received $243,502 in payments and while it’s still insured, it is not mitigated against flooding. A single-family home in Portsmouth, insured and mitigated against flooding, received $250,558 in two claims, but is worth $239,380. One Richmond property in the database, labeled non-residential, received nearly $1.4 million in payouts but has a value of $211,750. It is no longer insured or protected. An insured single-family home in Poquoson worth $155,300, according to the database, received five claims totaling $480,010.

The relatively new FEMA insurance rates, called Risk Rating 2.0, attempt to take a more realistic and equitable look at flood insurance. Most policyholders saw their premiums either drop or increase by no more than $10 per month in its first year. Under the law, no premium can increase by more than 18% annually.

But in a column last year, Chad Berginnis, executive director of the Association of State Floodplain Managers, agreed with Stiff that flood hazard mitigation measures needed to be credited and that FEMA needed to be clearer about which mix of mitigation would translate into reduced premiums.

“When we talk of the NFIP, we often talk about it as a four-legged stool: floodplain management, flood mitigation, floodplain mapping, and flood insurance,” he wrote. “However, it’s become clear to the floodplain management community that the new rating system has severed those first two legs and as a nation we still haven’t prioritized flood mapping the entire U.S. to better reflect flood risk.”

Stiff noted the present system leads to “the active bankrupting of the National Flood Insurance Program. We’re all on the hook to bail them out.”

Communities, she added, can track cumulative damage to a property and, when it reaches the FEMA threshold of more than 50% rebuilding, require the owners to bring it up to the latest flood protection standards. But that’s not an option Virginia cities have embraced.

“It is a higher standard that local governments can elect to use in their communities, and if they do, then they receive credit through the community rating system, which will lower flood insurance policies annually for every policyholder in the local government,” she added. “There are ways in which our communities can be proactive against this issue, but our communities are choosing not to take these additional measures because it’s politically unappetizing.”

The NRDC’s recommended solutions for the repeated payouts echo her comments and include:

Update building codes and land use standards for development in floodplains.
Ensure flood-risk maps are updated and account for future risk.
Make flood insurance more affordable for low and moderate-income households.
Give home buyers and renters the information to understand their risk.

Anna Weber, senior policy analyst for environmental health at the NRDC, noted that Virginia is one of many states that do not require sellers to disclose a property’s flood history. Only seven states require tenants to be notified, according to a new paper in the Journal of Land Use.

“Virginia is effectively a buyer-beware state,” she said. “There’s very little that you are guaranteed a right to in terms of that information. So, when we talk about flood disclosure, we think it’s important that people have a right to know not just what it says about your home on a FEMA flood insurance map, but what specifically has happened in the past at that property. Has it flooded before? Have there been flood insurance claims? How much did those claims cost? How many times has the home flooded?”

While Weber and others call the FEMA maps inadequate, they also note they are often out of date. They’re required to be updated every five years, but often are not. Norfolk’s map, for instance, has not been updated since 2017.

Flooding, Weber noted, has multiple causes that call for multifaceted solutions.

“Some of that looks like thinking hard about our land use choices. Some of that looks like improving and strengthening our building codes so that we’re building in a smarter way,” she said. “Some of that has to do with long-term community planning. What do we want our coastal communities to look like in 50 years?” she said. “In 100 years, we may not be able to live in the same places in the same ways as we have in the past.”

Michael Gerrard, the founder of the Sabin Center for Climate Change Law at Columbia University, recently published a paper examining the legal tools to combat what he called a growing crisis of urban flooding. He endorsed many of the same solutions proposed by the NRDC.

“It makes no sense to continue to rebuild the same house at government expense,” he said, adding that there needs to be a reckoning with the costs of the climate crisis”The overall problem is that people and governments are unwilling to pay for the cost that climate change is imposing,” he said. “And that will just get worse over time as the climate worsens.”

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Virginia

UVA Football Report Card: Handing Out Grades for Virginia vs. North Carolina

Published

2 hours ago

October 28, 2024

Press Room

UVA Football Report Card: Handing Out Grades for Virginia vs. North Carolina

Virginia was handed its third-straight loss in disastrous fashion on Saturday, getting blown off the field by North Carolina, who had lost its previous four games, 41-14 in Charlottesville. As we break down what we saw from the Cavaliers in their defeat to the Tar Heels and what it means moving forward, let’s hand out some report card grades for various players, position groups, and other categories to help evaluate Virginia’s performance in week 9.

Anthony Colandrea: D
Eight games into the season, Anthony Colandrea has, overall, been much better at taking care of the football than in his freshman year. Unfortunately for Colandrea and the Cavaliers, his two worst games in that regard have contributed to disastrous and costly defeats – first to Maryland in week 3 (2 interceptions in a 27-13 loss) and then on Saturday against North Carolina. While Colandrea was under duress for most of the game – taking nine sacks and getting hurried five more times – he didn’t deal with that pressure very well, failing to adjust with quicker decisions and quicker throws. And though he finished 16/28 for 156 yards, Colandrea was just 3/6 for 30 yards in the first quarter and 2/8 for 43 yards in the second quarter, leading to the lopsided 24-6 halftime deficit. Then came the interceptions, as Colandrea threw his first pick in 146 passing attempts on the first drive of the second half and broke a streak of four-straight games without an interception, then had a second interception returned 84 yards for a touchdown by Jahvaree Ritzie. Virginia had a lot of problems as a team on Saturday, but Colandrea having one of his worst games of his career was one of the biggest problems.

Offensive Line: F
Injuries were a major factor, as the Cavaliers were without starters Brian Stevens and Ty Furnish, who also happen to be the starting center and backup center. But even with those injuries, this was a horrendous showing for the UVA offensive line. Virginia gave up 10 sacks and finished with only seven total rushing yards on 29 attempts. On UVA’s first drive of the game, Noah Josey, who served as the center with Stevens and Furnish out, snapped the ball over Colandrea’s head, turning a 1st and goal from the 1-yard line into an eventual field goal. Virginia still took the lead, but you have to feel the game could have gone differently if the Cavaliers had set the tone with a touchdown there. UVA’s offensive line not playing a great game was somewhat expected with the injuries, but injuries seem to be a constant for this unit, and they must find a way to play well consistently even when a starter or two is out of the lineup.

Red Zone Offense: F
For the season, Virginia is now 12/33 in scoring touchdowns on red zone trips, just 36%. This time, the Cavaliers scored six total points on three red zone trips. There was the bad Noah Josey snap that cost UVA a nearly guaranteed touchdown. Virginia also had a 1st and 10 from the UNC 12-yard line, but two incomplete passes sandwiched around a short Colandrea scramble resulted in the Cavaliers settling for another short Bettridge field goal. Then there was the biggest disaster play of the game. Virginia had 1st and 10 at the UNC 16-yard line with a chance to make it 31-14 – still likely out of reach, but maybe on the way to making the final score respectable. Instead, Colandrea was intercepted by Jahvaree Ritzie and, partially due to a lack of hustle by the Cavaliers, the 6’4″, 290-pound defensive lineman was able to rumble 84 yards down the sideline for the touchdown, formally putting the nail in the coffin. UVA’s inability to execute in the red zone continues to be one of the team’s biggest issues. With just four games left in the season, it seems unlikely it’ll ever get resolved.

Tony Muskett: A
Before you ask: no, we’re still not pining for Tony Muskett to start over Anthony Colandrea; at least not yet. With that said, Tony Elliott said he’d be “evaluating” the quarterback position moving forward into the bye week. It must be acknowledged that Muskett has played well in his late-game opportunities recently and has also had a few good spot moments this season when he came in for single plays when Colandrea had to leave the field. On Saturday, Muskett completed 8/13 passing attempts for 125 yards and a long 68-yard touchdown pass to JR Wilson. That’s the second week in a row Muskett has nearly produced as many passing yards as Colandrea in significantly fewer snaps. While that production has usually been against the opponent’s backups in garbage time, the offense has generally looked better with Muskett running the show late than it has with Colandrea over the last three or four weeks – even the Boston College win had more to do with the defense. Even if Virginia considers a quarterback change, we’re not sure that’s gonna change the team’s fortune considering the way the entire team has played during this three-game losing streak.

Overall Offense: D

By the Numbers: Breaking Down Virginia’s Loss to North Carolina

Pass Defense: F
The Cavaliers were carved up by a third-string quarterback, as Jacolby Criswell completed 19 of 30 passing attempts for 293 yards and two touchdowns. Most of that went to J.J. Jones, who went for 129 receiving yards and two touchdowns on just seven targets. The Tar Heels had 10 big passing plays (15+ yards), including touchdowns that came on 37-yard and 31-yard completions. UVA’s defensive line had zero sacks for the second week in a row.

Run Defense: C
All things considered, this was not a terrible showing for the Virginia defense against one of the nation’s best running backs. Omarion Hampton racked up 105 rush yards on 26 carries and scored two touchdowns. Unfortunately for the Cavaliers, Hampton didn’t have more production in part because UNC was having so much success passing the ball and because Hampton didn’t need to even be on the field late in the game. Virginia totaled four tackles for loss, but tackling was otherwise a significant issue for the Cavaliers.

Overall Defense: D

Special Teams: A
Will Bettridge made both of his chip shot field goals. Daniel Sparks punted four times for an average of 44.8 yards, including one that went 60 yards. There were no big returns allowed and no massive miscues. Of all of the things that went poorly for the Cavaliers on Saturday, special teams were not one of them.

By the Numbers: Breaking Down Virginia’s Loss to North Carolina

Virginia Football Suffers 41-14 Loss vs. North Carolina

Five Takeaways from Virginia Football’s 41-14 Loss to North Carolina

Virginia vs. North Carolina Live Score Updates | NCAA Football

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Virginia

Three Things Virginia Tech Must Fix Ahead Of It’s Matchup With Syracuse

Published

11 hours ago

October 27, 2024

Press Room

Three Things Virginia Tech Must Fix Ahead Of It’s Matchup With Syracuse

1. 3rd Down Efficiency

The Hokies converted just 13% of their third-down attempts yesterday and struggled to move the football in the running game, which is their primary offensive strategy. This week, the Hokies will face Syracuse, a team with a very explosive offense, meaning they cannot afford to take risks as they are more likely to pay for mistakes than they did against Georgia Tech. Syracuse is currently averaging 30.9 points and 469.9 total yards per game. If the Hokies third-down struggles continue, it’s likely that Syracuse will win this game by a wide margin.

2. The Run Game

The Hokies running game wasn’t as effective as Virginia Tech fans are used to seeing, which could be a significant problem if it continues this week. The team is currently averaging 195.5 rushing yards per game, but they managed only 89 total rushing yards yesterday, as Georgia Tech shut down their ground attack throughout the game. Adding to the concern, star running back Bhayshul Tuten was injured in yesterday’s game, and it is uncertain whether he will play next week. Reports indicate that he was seen in a walking boot at the end of the game. It is also important to note that as a result, Tuten’s streak of nine consecutive games with a touchdown has ended, and this marks the third time this season he has been held to under 100 rushing yards.

3. Passing game needs to be more consistent

This year we have seen the Hokies offense come out slow or struggle with throwing the football and that was no different yesterday. The Virginia Tech offense managed only 134 passing yards and averages 181.5 yards per game this season. This will likely need to improve, as we saw yesterday, teams will focus on stopping the run and force the Hokies to rely on the passing game. You also can’t rely on your defense to hold opponents to just six points and consistently provide your offense with great field position, especially against a potent offense like Syracuse’s.

Additional Links:

Virginia Tech Football: 5 Big Takeaways From Virginia Tech’s Win vs Georgia Tech

Virginia Tech Football: Three Keys To Victory For The Hokies Against Georgia Tech

Virginia Tech Football: Hokies Reveal Uniform Combination For Matchup With Georgia Tech

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Virginia

By the Numbers: Breaking Down Virginia’s Loss to North Carolina

Published

22 hours ago

October 27, 2024

Press Room

By the Numbers: Breaking Down Virginia’s Loss to North Carolina

Virginia football suffered their third straight defeat, this time in lopsided fashion as North Carolina routed UVA 41-14 on Saturday afternoon at Scott Stadium. UNC successfully avenged last year’s upset victory by the Cavaliers over the then-No. 10 ranked Tar Heels and improved to 66-59-4 in the all-time series with UVA, which dates back to 1892.

The 27-point margin of victory for the Tar Heels is the largest they have had against Virginia since beating UVA 45-14 in 2013. North Carolina recorded ten sacks against Virginia, the most UNC has had in a single game since the year 2000.

See the chart below for a breakdown of the stats from Virginia’s loss to North Carolina:

Virginia Advertisement	Stat	North Carolina
288	Total Offense	428 Advertisement
7	Rushing Offense	135
0.2	Yards Per Rush Advertisement	3.4
281	Passing Offense	293
59% Advertisement	Completion %	61%
11.7	Yards Per Completion	15.4 Advertisement
2/3	Red Zone Attempts	4/4
6	Red Zone Points Advertisement	20
6/16	3rd Downs	7/14
1/3 Advertisement	4th Downs	1/2
28:23	Possession Time	31:37 Advertisement
5-45	Penalties-Yards	5-45
2	Turnovers Advertisement	0
0	Sacks	10
4 Advertisement	Tackles for a Loss	12
2	Big Plays (20+ Yards)	6 Advertisement

Here are some key individual stats from Virginia vs. North Carolina along with some more notes:

Malachi Fields finished with three receptions and 48 receiving yards, his 23rd game in a row with at least one catch. With 1,695 career receiving yards, Fields is 12th on Virginia’s all-time receiving list and is eight yards shy of passing Heath Miller.

Tyler Neville had four receptions for 32 yards, allowing him to surpass the 1,000-yard career receiving mark with 1,013 career receiving yards, 317 of which have come at Virginia.

Anthony Colandrea completed 16 of 28 passes (57%) for 156 yards, but had zero touchdowns and two interceptions, breaking a streak of four consecutive games without throwing a pick. He had thrown 146 passes in a row without an interception until throwing a pick on the first drive of the third quarter.

Tony Muskett threw a 68-yard touchdown pass to JR Wilson in the fourth quarter. That was Wilson’s first-career touchdown and UVA’s longest pass play of the season as well as the team’s longest pass play since Kobe Pace caught a 75-yard touchdown against James Madison in the second game of the 2023 season.

Anthony Britton led Virginia with 10 total tackles, setting a career-high in that category. Jonas Sanker was second on the team with seven tackles, six of which were solo stops, and he is now up to 154 career tackles.

Will Bettridge converted field goals of 30 and 27 yards, giving him 184 career points, which is four shy of catching up to Bill Dudley for the 15th spot on the all-time scoring list at Virginia.

Daniel Sparks booted a 60-yard punt in the second quarter, his 14th career punt of at least 60 yards. 12 of those punts have come at Virginia, putting Sparks past Russ Henderson for most 60+ yard punts as a Cavalier all-time.

Up next, Virginia has a bye next week before heading on the road in week 11 to take on No. 19 Pitt on Saturday, November 9th at Acrisure Stadium in Pittsburgh. The kickoff time and TV designation have yet to be announced for Virginia at Pittsburgh on November 9th.

Virginia Football Suffers 41-14 Loss vs. North Carolina

Five Takeaways from Virginia Football’s 41-14 Loss to North Carolina

Virginia vs. North Carolina Live Score Updates | NCAA Football

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