Editorial on Texas Flooding in the News and Record

The Greensboro News and Record picked up the article I wrote for The Conversation in 2015 and ran it as an editorial. While it is two years old, nothing has really changed. The National Flood Insurance Program keeps pushing people to make bad decisions and the rest of us are left holding the debt. Read more in the News and Record: James P. Howard II: Hurricane Harvey dramatizes flood insurance problems Torrential storms coursed through much of Texas in recent days, prompting massive flooding that swept away entire homes and left wakes of devastation. It will be days, if not

New Court Decision on Flood Insurance

Gary Woodson v. Allstate Insurance Company is an interesting new decision that just came out of the Fourth Circuit regarding flood insurance, which transfers full jurisdiction over claims relating to flood damage to the Federal courts, subject to the National Flood Insurance Act. This is quite big. Historically, insurance regulation is handled at the state level. Accordingly, there’s not a huge body of law at the Federal level on insurance. So claims relating to flood insurance, even when heard in Federal courts, are often guided by local state rules and regulations. As a result, each United States District has established

Implications of Coarse Data Allocation Methods for Flood Mitigation Analysis

I went looking for a copy of my working paper from the 2013 Joint Statistical Meetings and realized, it does not seem to be online. And neither does my poster! So I figured I should fix that. Here’s a link to the poster and the proceedings paper. The key idea here comes from my work on flood insurance and trying to understand the county-level effects of flood mitigation grants. Some grants are given to state agencies. In other words, the granularity of reality is insufficient for my goals. Normally, it’s just a data problem. So I investigated, briefly, four logical

California Flood Insurance Hurts Everyone

California is considering adopting its own flood insurance scheme, according to this news report: California Considers Ditching Federal Flood Insurance For State-Run Program SACRAMENTO (CBS13) – California is overpaying for flood insurance, according to a report from a UC Davis research group. And now the Department of Water Resources is considering a state-run flood insurance program that could save billions of dollars. “I was afraid to add it up. Apparently, California residents have paid more than $3B more into the program than those residents have received since the NFIP started. So the plan is to exit the NFIP statewide, and