“People choose to remain in flood-prone areas for many reasons, including proximity to family, work, and school. Uprooting oneself and one’s family can be a painful thing to do, and choosing to take on risk to stay where you’ve established your home is understandable. But choosing to stay in these areas genuinely does involve considerable risk. According to FEMA, the average flood insurance claim in 2018 was $40,000, and that risk should be borne by the risk-taker.
The Biden-Harris administration approved an additional $715 million for FEMA’s Flood Mitigation Assistance Program (FMAP) in advance of Hurricane Helene on September 23. FMAP, which falls under NFIP, makes up 15.5 percent of FEMA’s budget and provides homeowners with subsidized flood insurance.
FEMA itself recognizes the folly of providing homeowners insurance at below-market rates. Established by the National Flood Insurance Act of 1968, the Biggert-Waters Flood Insurance Reform Act of 2012 (BW-12) was passed to reduce debt incurred by the NFIP from Hurricanes Rita, Wilma, and Katrina in 2005.
BW-12 removed discounts for some NFIP policyholders so that their insurance rates would “more accurately reflec[t] their expected flood losses,” according to FEMA’s 2018 affordability framework. These reforms were as actuarially sound as they were unpopular and were overturned two years later.
The Homeowner Flood Insurance Affordability Act of 2014 (HFIAA) restored pre-BW-12 rates, repealed certain rate increases, and capped annual premium increases at 18 and 25 percent for primary homes and secondary residences, respectively. Congress instituted these effective price ceilings to encourage participation, but FEMA’s affordability framework recognizes the market price of insurance as “one of the best signals of risk that a consumer receives.”
The 2018 framework candidly admits that flood insurance affordability programs create perverse incentives, including “encouraging lower-income households eligible for assistance to purchase properties in very risky areas.” And that’s just what the NFIP has done: approximately 13 million homeowners live in Special Flood Hazard Areas (SFHAs), where there is at least a 1 percent annual risk of flooding.
NFIP deems 12 percent of these homeowners to have Principal, Insurance, Taxes, Insurance (PITI) to household income ratios in excess of the maximum affordable standard. Even with mandatory enrollment in SFHAs, which reduces insurance rates by forcibly expanding the base of the insurance program, the average policyholder cost for a single-family home is $1,098—more than twice the cost of policies outside the SFHAs.
Without NFIP-subsidized insurance, rates would increase, becoming unaffordable for some homeowners. Unaffordability is a feature of insurance markets, not a bug. High insurance rates discourage risky behavior that is likely to be even more painful than having to pull up roots.”
“The Gulf is now the hottest it’s been in the modern record, according to Brian McNoldy, a climatologist at the University of Miami, who produced the chart. Taking a dip would feel like a bath: The average temperature of the surface is close to 90 degrees, according to recent measures of sea surface temperature.
“This is out of bounds from the kinds of variability that we’ve seen in [at least] the last 75 years or so,” Ben Kirtman, director of the Cooperative Institute for Marine and Atmospheric Studies, a joint initiative of the University of Miami and the National Oceanic and Atmospheric Administration (NOAA), told Vox. “That can be scary stuff.”
These record temperatures are just one signal of a more widespread bout of warming across the North Atlantic that ramped up last year. It’s still not entirely clear what’s causing it, though scientists suspect a combination of factors including climate change — which raises the baseline ocean temperature — as well as lingering effects of El Niño, natural climate variability, and perhaps even a volcanic eruption.”
“Transportation Secretary Pete Buttigieg says he had a call with Elon Musk, despite their differences — because sometimes, it’s just better to get on the horn with someone and clear things up.
On Friday, Buttigieg refuted a series of claims made by the Tesla and SpaceX CEO. Musk had in an X post accused the government of closing the airspace in Asheville, North Carolina, to block recovery efforts.
Musk also blamed the Federal Emergency Management Agency (FEMA), the government’s disaster relief group, and the Federal Aviation Administration (FAA).
Buttigieg responded to Musk, writing: “No one is shutting down the airspace and FAA doesn’t block legitimate rescue and recovery flights. If you’re encountering a problem give me a call.”
The two men then had a chat via phone call, Buttigieg confirmed in an interview with MSNBC’s Jen Psaki released on Sunday.
“He called,” Buttigieg told Psaki. “We had a conversation.”
Buttigieg told MSNBC that some of the confusion on X stemmed from Temporary Flight Restrictions (TFRs), a move by the Federal Aviation Administration to ensure safety for aircraft conducting Hurricane Helene rescue and recovery activities.
Buttigieg said, however, he and Musk managed to get to the bottom of what was happening, and sort out problems for pilots helping to get Starlink equipment to disaster-hit areas.
“We were able to take care of it,” Buttigieg said. “And, I think, to me it’s an example of how often the best thing to do is just to pick up the phone.”
Later on Friday, Musk had a more positive tone while replying to a post from Buttigieg on X about the government delivering additional emergency relief to South Carolina.
Musk said, “Thanks for expediting approval for support flights. Just wanted to note that Sec Buttigieg is on the ball.”
Buttigieg replied, writing: “Glad we could address — thanks for engaging.”
Musk and Buttigieg have had public disagreements over everything from tax credits for electric vehicles to the safety of driverless cars.”
“According to Exxon’s own disclosures and an analysis conducted by IEEFA in 2022, only around 3 percent of the carbon captured there (roughly 6 million tonnes) has been permanently sequestered underground. Of the rest of the 240 million tonnes of carbon emitted over the facility’s first 35 years in operation, half has been sold to various oilfield operators for enhanced oil recovery, or EOR — a process by which oil companies inject carbon underground to get more oil out — and approximately 120 million tonnes has been vented into the atmosphere.”
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“When CO2 is actually sequestered underground, there’s no guarantee it stays there. “CO2 has a way of moving through the air, of leaking through pipelines, and because we have no cradle-to-grave tracking, we have no way of actually knowing how much is leaking, how much is really being collected, how much is hitting the wellhead, and how much is really staying underground,” Raffensperger said.
That’s not just concerning from a climate perspective, but from a public health perspective as well. Raffensperger notes that the pipelines built to transport condensed carbon from oil fields to storage facilities, or to other oil fields for EOR, are surrounded by “kill zones.”
“These are not your grandmother’s pipelines,” Raffensperger said. “They could be lethal. We talk about the kill zone or a fatality zone around a CO2 pipeline. We don’t talk about that with oil and gas pipelines. These are uniquely dangerous and underregulated.”
Following a 2020 CO2 leak and explosion in Satartia, Mississippi, that abruptly stopped cars on roadways, caused widespread dizziness and nausea, and sent several residents to the hospital, the federal Pipeline and Hazardous Materials Safety Administration began looking into rules for CO2 pipelines. They were set to finalize that rule this summer, pending review by the Office of Management and Budget and the Office of Information and Regulatory Affairs, but that deadline has been extended to fall 2024. The lack of finalized safety regulations has not stopped the permitting of CO2 pipelines, though. The Summit pipeline, a massive project that would carry carbon across five states, just got the go-ahead in June for the first step of its construction process in Iowa: seizing land through eminent domain to make way for the pipeline.”
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“Fatih Birol, executive director of the International Energy Agency, has called the industry’s plan to offset its emissions with carbon capture “fantasy.”
But the US government is all in on that fantasy now.
“[The carbon capture tax credit] 45Q is not based on net climate benefit or net CO2 reductions, it’s based on gross CO2 capture,” Blackburn, the environmental lawyer, said. “Why would you think making carbon a commodity would reduce CO2 emissions? It’s like the opposite of carbon tax, we’re actually paying them to produce more of it.””
“The periodic swings between El Niño and La Niña, collectively known as the El Niño Southern Oscillation (ENSO), is a natural phenomenon cycling every three to seven years. Over the past year, the El Niño also synced with other natural patterns like the warm phase of the Atlantic Ocean’s temperature cycle, driving thermometers up further. But humanity’s relentless injection of heat-trapping gases into the atmosphere is pushing these changes to greater extremes.”
“Warmer winters have meant fewer opportunities to revel in the snow, go sledding and skiing, or venture onto the ice. But beyond making certain activities less feasible, warmer winters are also set to have devastating environmental impacts.
Plants and animals could have their growth and hibernation patterns thrown off, for example. According to Theresa Crimmins, director of the National Phenology Network and an associate professor at the University of Arizona, plants’ pollination schedules could become misaligned if they’re emerging sooner than they normally would and the insects that pollinate them aren’t yet ready to do so. Plants that sprout earlier in the year could also have a tougher time surviving if an unexpected cold front or frost comes back and kills off the initial buds.
Pests like mosquitoes could become more prevalent, too, says Crimmins, and potentially contribute to more diseases, since colder winters tend to depress their population.
A shift in winter could have major impacts on water supply as well, leading to a much smaller snowpack than people in the American West and Southwest currently rely on. Frozen snow that slowly melts over time is a major source of water for these parts of the country, and that resource could be severely reduced if there isn’t much snow to work with. During warmer winters, there’s typically less snow and more rain, which leads to smaller snowpacks and potentially huge dips in water as less snowmelt flows into rivers.
“Water supply affects pretty much everything, not just our drinking water: water for agriculture, water for hydropower, water for municipal uses, water for environmental concerns. It’s really comprehensive,” says Cara McCarthy, a program manager at the Natural Resources Conservation Service.
Water from these snowpacks can also help make sure the ground doesn’t become too dry, a factor that contributes to more frequent and more severe wildfires. The National Interagency Fire Center’s forecast through June has projected that parts of the Midwest and Southwest face a higher risk of wildfires this year due to the limited snowfall they received and a higher potential for drought.”
“The European Union’s Copernicus Climate Change Service (C3S) reports that 2023 was the hottest year in the instrumental temperature record. That’s in part because global temperatures were boosted by the El Niño phenomenon in which the eastern Pacific Ocean surface temperature periodically surges higher.”
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“”Not only is 2023 the warmest year on record, it is also the first year with all days over 1°C warmer than the pre-industrial period. Temperatures during 2023 likely exceed those of any period in at least the last 100,000 years,” noted Samantha Burgess, deputy director of C3S, in a press release.”
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“The satellite temperature series run by climatologists Roy Spencer and John Christy at the University of Alabama in Huntsville (UAH) also basically concurs, reporting that 2023 is the hottest year in its 45-year record.”
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“The C3S report observed that atmospheric greenhouse gas concentrations reached the highest levels ever recorded, 419 parts per million for carbon dioxide and 1902 parts per billion for methane. UAH’s Christy cautiously concedes that the “background climate-trend is about +0.1 °C per decade and could represent the warming effect of the extra greenhouse gases that are being added to the atmosphere as human development progresses.””
“unseasonably hot water arrived this summer, meaning those coral colonies had to endure months of extreme water temperatures. A buoy off Florida recorded 101-degree water temperatures this July. When corals are stressed by hot or cold water, they lose their color—a result of expelling algae that provides corals with most of their energy—and eventually die.”
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“If the reefs collapsed completely, it would be disastrous for the Florida Keys. According to the Florida Fish and Wildlife Conservation Commission, the reefs in Southeast Florida are valued at $8.5 billion and sustain 70,000 full- and part-time jobs. The barrier reef also protects the Keys from hurricanes and major storms by soaking up wave action.”