Hurricane News: FEMA Borrows $2 Billion for Helene & Milton, Florida Fallen Tree Act, Hurricane Hunters

Hurricane News: FEMA Borrows $2 Billion for Helene & Milton, Florida Fallen Tree Act, Hurricane Hunters

1. Why is FEMA borrowing money in early 2025?

FEMA is borrowing $2 billion from the U.S. Treasury to cover the surge in flood claims primarily from Hurricane Helene and Hurricane Milton in 2024, along with other flooding events from the previous year. The National Flood Insurance Program (NFIP), administered by FEMA, anticipates paying out over $10 billion in flood claims related to these events. The NFIP's funds, which are generated from premiums, have been depleted due to the multiple catastrophic events occurring in a single year, exceeding its designed capacity.

2. What were the impacts of Hurricanes Helene and Milton that led to such high flood claim payouts?

Hurricane Helene, which made landfall in Florida as a Category 4 storm in late September 2024, caused widespread and devastating flooding, particularly in Southeast states like Georgia, North Carolina, and South Carolina due to record rainfall. As of early February 2025, over 57,400 flood claims related to Helene had been handled, with over $4.5 billion paid out and estimated total losses ranging from $6.4 billion to $7.4 billion. Hurricane Milton, while considered more of a wind event when it struck Florida in October 2024, still resulted in significant flood claims, with over $740 million paid out on over 21,100 claims by early February, and estimated final losses ranging from $1.2 billion to $2.9 billion.

3. What is the current financial state of the National Flood Insurance Program (NFIP)?

As of January 25, 2025, the NFIP had only $615 million on hand to pay claims, according to the Congressional Research Service. Its debt to the U.S. Treasury has reached approximately $22.5 billion. FEMA has the authority to borrow up to $30.4 billion, and it was already carrying a debt of $20.5 billion from previous major hurricanes like Katrina, Sandy, and Harvey. The NFIP funds its operations and repays its debt and accruing interest through the premiums it collects from flood insurance policies.

4. How might proposed changes like Florida's 'Fallen Tree Act' affect homeowners and insurance?

Florida's proposed 'Fallen Tree Act' aims to shift the responsibility for damage caused by a fallen tree to the property owner from where the tree originated, rather than the property where it falls, which is the current law. While this could provide relief to homeowners whose property is damaged by a neighbor's tree, it raises concerns, particularly regarding damage from major storms or "Acts of God," as the bill does not specify responsibility in such events. Currently, homeowners typically file a claim with their own insurance for such damage and cover the deductible, potentially leading to increased insurance rates. The proposed change could shift the burden and associated costs to the neighbor's insurance, but the lack of clarity on storm-related incidents remains a significant issue in a hurricane-prone state like Florida.

5. Why are organizations like NOAA and the National Weather Service (NWS) considered so valuable?

NOAA and the NWS provide crucial services like weather and ocean observations and forecasts, which have an enormous return on investment for taxpayers. For a relatively low annual cost per citizen, they contribute to improved citizen preparedness, transportation efficiency and safety, private sector profits, disaster prevention and mitigation, and scientific research innovation. Their partnerships with emergency management communities have shifted responses from reactive to proactive. Significant improvements in forecasting, especially for hurricanes and tornadoes, have dramatically reduced casualties compared to past decades when warnings were less accurate or non-existent. The private sector also heavily relies on NOAA data and services, generating tax revenue that reportedly covers the NWS's entire cost.

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Hurricane Helene: Impact Erwin Tennessee

Hurricane Helene: Impact Erwin Tennessee

Meteorology Matters looks at a Washington Post investigation into the deaths of six Impact Plastics employees during Hurricane Helene's flooding in Erwin, Tennessee. The investigation highlights the role of both the severe weather and allegedly inadequate employer responses in the fatalities, contrasting this with the successful rescue of hospital staff and patients. We also examine the deaths of workers at an Amazon warehouse and a Kentucky candle factory during a tornado. The lack of union representation contributed to the workers' inability to leave their workplaces before the disaster and emphasizes the importance of unions in ensuring worker safety and fair treatment. This boils down to the tragic consequences of prioritizing profit over worker safety in the face of extreme weather events.

3 Dec 202411min

Lake Effect: 6 Feet of Snow Forecast for Watertown, NY

Lake Effect: 6 Feet of Snow Forecast for Watertown, NY

Meteorology Matters reports on a major Thanksgiving Weekend lake-effect snowstorm impacting upstate New York and parts of the Great Lakes region. Significant snowfall accumulations of up to five or six feet are predicted, especially near Watertown, NY, and along the shores of Lakes Erie and Ontario. Hazardous travel conditions and widespread disruptions are anticipated, prompting warnings and travel restrictions. State and local authorities are mobilizing resources, including the National Guard and transportation crews, to respond to the storm's impact. The storm is expected to last through early Monday.

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Gust vs Sustained Wind: Application to Building Standards

Gust vs Sustained Wind: Application to Building Standards

Meteorology Matters presents an analytical framework for standardizing tropical cyclone wind characteristics (mean wind speed, turbulence intensity, integral scale, gust factor, and peak factor) from various measurement conditions to a common reference. This framework uses equilibrium boundary-layer theory and is applied to data from seven tropical cyclones (four typhoons, three hurricanes), comparing results to existing standards (ASCE 7-10 and AIJ-RLB-2004). We continue to. examine gust factor variations based on coastal tower measurements during three landfalling typhoons. We explore the relationships between gust factor and turbulence intensity, height, wind speed, and direction, finding that gust factors are smaller than those in national codes and influenced significantly by shoreline confinement on sea wave development.

29 Nov 202410min

Thanksgiving Week Weather

Thanksgiving Week Weather

Meteorology Matters discusses Thanksgiving week weather forecasts across the U.S., predicting potential travel disruptions. CBS News reports on severe storms impacting the Pacific Northwest and California, with ensuing power outages and fatalities, while also forecasting rain and snow in the East impacting Thanksgiving travel. Weather.com provides a more detailed, day-by-day forecast, highlighting potential travel issues due to snow in mountainous regions and lake-effect snow in the Great Lakes area, along with rain and thunderstorms in other parts of the country. The overall message is one of caution and preparedness for holiday travel.

28 Nov 202413min

Deadlines Loom for FEMA Hurricane Disaster Assistance, Unemployment, and Appeals

Deadlines Loom for FEMA Hurricane Disaster Assistance, Unemployment, and Appeals

Meteorology Matters provides details onthe Disaster Unemployment Assistance (DUA) and Federal Emergency Management Agency (FEMA) aid available to Florida residents affected by Hurricanes Helene and Milton. We explain how to apply for FEMA assistance and appeal denials, highlighting challenges faced by applicants. We also focus on DUA application procedures, deadlines, and eligibility requirements for individuals whose employment was impacted by the hurricanes. We go over supplemental information on DUA, including eligibility criteria, application methods, and appeal processes, emphasizing the importance of meeting deadlines and providing necessary documentation. We aim to inform and guide individuals seeking aid after the hurricanes before time runs out!

25 Nov 202416min

What a Second Trump Term Means for Science

What a Second Trump Term Means for Science

People express concern over the potential impact of a second Trump presidency on US science policy. They highlight anxieties regarding potential budget cuts to scientific research, increased focus on research security potentially hindering international collaboration, and a diminished respect for scientific consensus in policy decisions, particularly concerning climate change and public health. The appointment of Robert F. Kennedy Jr. to a key position is cited as a cause for alarm due to his controversial views on public health. Finally, there are discussions of proactive strategies for the scientific community to engage with the new administration and advocate for continued funding and the preservation of independent scientific agencies.

25 Nov 202416min

Climate Change Supercharged Hurricane Season 2024

Climate Change Supercharged Hurricane Season 2024

Meteorology Matters looks at how Climate change significantly intensified the 2024 Atlantic hurricane season. Multiple reports, including one from Climate Central and a peer-reviewed study in Environmental Research: Climate, confirm that human-caused ocean warming increased the wind speeds of all eleven hurricanes. This resulted in seven hurricanes being upgraded to higher Saffir-Simpson categories and two tropical storms becoming hurricanes. The increased intensity led to substantial damage and economic losses, with climate change attributed to a significant portion of the damage caused by Hurricanes Helene and Milton. A separate analysis by a hurricane expert highlights the unusually active 2024 season, noting record-breaking ocean temperatures and the occurrence of three simultaneous hurricanes in October.

23 Nov 202418min

November Florida Hurricanes & Potential Sara

November Florida Hurricanes & Potential Sara

A potential tropical storm, dubbed Invest 99L, is forming in the Caribbean and has a high chance of developing into Tropical Storm Sara within the next few days.Multiple weather models are forecasting Sara to potentially become a hurricane and threaten Florida's Gulf Coast next week, although the track and intensity of the storm remain uncertain. MeteorologyMatters discusses the rarity of November hurricanes, with only three recorded landfalls in the US since 1850, but warn that warm water temperatures in the Atlantic basin are fueling an unusually active hurricane season.

13 Nov 202417min

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