Question 7 of Final Project
Geographic Information Systems 420
created by: Christine Giordano and John Ferrari
Flooding of barrier islands: the meeting of the Bay and the Atlantic Ocean
The percentage of claimants that have flood insurance is 64.07%.
Using the county flood coverage:
From this analysis, it was found that85.03% claimants are found in the 100 year flood plain, 2.48% were in the 500 year flood plain, and 12.49% were not in the flood plain.
See map below (figure 1) for graphically display.
Cape May County and the South Jersey shore area had, by far, the largest number of flood points, repeat claims and insurance money paid out. (See figure 2)
Data presented on this web page were gathered from a data table of all flood points in the State of New Jersey since 1978. Specific data were selected from this large database by summarizing the data by specific fields on the data table. For example, in order to find the total insurance money paid out according to zip code, the zip code field on the data table was highlighted and then summarized with the total money paid field. In the summarize window, we selected for the sum function to find the sum of all money paid out according to zip code. This produced a new data table which arranged the desired data into a readable, workable format. This same procedure was used several times to retrieve desired data (total flood points, total repeat claims, and total insurance money paid out) for specific areas (counties, municipalities, and zip codes). This new data sets were then joined with existing data sets to produce new GIS coverages, views, and layouts which can be found in figures 2 & 3.
Municipalities With the Most Flood Points:
Ocean City, NJ - 460 total flood points
West Wildwood, NJ - 299 total flood points
Municipalities With the Most Repeat Claims:
Ocean City, NJ - 1,275 total repeat claims
West Wildwood, NJ - 1,129 total repeat claims
Municipalities With the Most Insurance Money Paid Out:
Ocean City, NJ - $12,473,024.14 in total insurance money paid out
West Wildwood, NJ - $11,828,761.22 in total insurance money paid out
See figure 2 below
Counties With the Most Flood Points:
Cape May County - 2,000 total flood points
Atlantic County - 759 total flood points
Counties With the Most Repeat Claims:
Cape May County - 6,364 total repeat claims
Atlantic County - 2,224 total repeat claims
Counties With the Most Insurance Money Paid Out:
Cape May County - $70,295,993.58 in total insurance money paid out
Monmouth County - $28,422,974.63 in total insurance money paid out
Zip Codes With the Most Flood Points:
08260 - 889 total flood points
08226 - 453 total flood points
Zip Codes With the Most Repeat Claims:
08260 - 3,063 total repeat claims
08226 - 1,256 total repeat claims
Zip Codes With the Most Insurance Money Paid Out:
08260 - $34,682,778.11 in total insurance money paid out
08226 - $12,237,928.05 in total insurance money paid out
(note: 08260 is the zip code for the Wildwoods and 08226 is the zip code for Ocean City)
The planning/zoning policies in these areas do not seem to discourage the siting of businesses and residences in known flood plains due the amount of flood insurance money paid out and the large amount of repeat claims as seen with the figures and the numbers.
A suitable policy for municipalities and flood insurance companies regarding flood related reimbursement may be that buildings located in the 100-year flood plain and have been flooded repeatedly (greater than 3 times) in the last 30 years should pay a greater amount of money for their insurance. To live in these flood prone areas, the people will have to pay more money. Municipalities should be denied Federal flood insurance if they allow construction of homes and businesses in both the 100 and 500-year flood plains and have repeated flooding (greater than 3 times in 30 years) because it is a waste of the tax payer's money. Instead of allowing the people to rebuild in these areas, they should be encouraged to build in other areas less prone to serious and destructive flooding. For example, reimburse the people for their losses only if they will relocate. Additionally, 100 and 500-year classifications should be reevaluated, which can result in making better policies regarding flood insurance reimbursements.
FOR FURTHER INFORMATION SEE BELOW
http://online96.com/towns/capemay/com.html - Additional Cape May Information
http://avalon.nj.us/flood.htm - Flood Insurance and Hazards
http://www.disasterrelief.org/Disasters/980206wrapup/ - News Articles