# The time to buy flood insurance is now …

… if you live in the Red River or Minnesota River basins near anything that looks like water.

This morning, I heard a TV weather forecaster, speaking of the potential flooding in the Red River Valley in Minnesota/North Dakota. He said of this possibility, “Flooding is not a certainty.” But he’s wrong. It is a certainty. This raises issues related to your flood insurance if you live in the vicinity, to questions of long term human land use planning in the region and generally, and of the skeptic’s approach to life. And, this discussion applies not just to the Red River but to its tributaries as well as to other rivers in the vicinity, including the Mississippi and the Minnesota.

Most skeptics would probably look at something like the question of flooding from a statistical point of view and say that the chance of a flood happening (or not happening) in a given spring on a given river as an uncertainty. There is a probability distribution and one can never be truly “certain.” I suspect that there are those who consider themselves skeptics who will assume that I’m wrong to say that flooding on a certain river is a certainty, months in advance. There is a probability distribution and the distribution includes outcomes in which the flooding does not happen, and thus calling this a certainty is incorrect and a misuse of the term certainty, faulty reasoning, and so on and so forth bla bla bla.

But they would be wrong. There will be flooding, there will probably be widespread moderate flooding, and there is close to an even chance that we will see flooding as bad as it ever gets in at least some places.

A thought experiment: Imagine placing a dozen plastic cups full nearly to the brim with water on the edges of piece of furniture in a medium size room. Every cup is in reach of a short person, say, a baby who just learned to walk. Then release a baby in the room for ten minutes, unfettered, and ask yourself, “What is the probability of a given cup being spilled?”

There are a lot of ways to calculate that probability, including the ever-popular empirical method of carrying out the test dozens of times and recording the data. Be sure to use a fresh baby with each test, or at least every few tests, because there is a good chance its behavior will change over time. Regardless of how you do it, you can come up with a defend-able probability model and thus ask the original question. The probability of a given cup being spilled by the baby is probably less than 100%.

Now consider this alternative: Consider only cups which have been grabbed by the baby, who is in the process of turning the cup upside down, but in which the water still remains, but only because it has not spilled out yet. What is the probability that such a cup will not spill? Well, we could use the probability model we worked out before and apply this to the cup in question, but that would be wrong. That is what the weather forecaster was saying when he said “A flood is not a certainty.” In order for the baby to NOT spill the cup he has already grabbed some extraordinarily unlikely things would have to happen. We’re talking “all the O2 molecules moving to the ceiling so we all suffocate by random chance” level of probability. In other words, that the cup will spill is certainty.

As we approach the deadline for purchase of flood insurance for those living in the Red River Valley of Minnesota, we see that the conditions for causing a flood are extreme. In order for there NOT to be a flood, several things would have to happen. There’s more than one way to do this, but the following scenario would work:

1) No more snow falls in the region, or at least, no more than a couple of inches of water (as snow);

2) The snow that exists melts at a rate such that the minimal amount that can melt melts per day (more or less) between a very short time from now and a fairly late date for there to be any snow retained in the snow pack. No bursts of melting can happen.

3) Ice and snow pack that flows down the river has to no get stuck on any turns, bridges, or berms.

Last year the flooding on the Red River was in the range of the historically most severe floods in the region. In 1969, 1897, 1997, and 2009 the river flooded maximally to 37.34, 39.10, 39.72 and 40.84 feet, respectively at Fargo. Last year’s flood did not reach any of those numbers, but did come to 36.95 feet and was considered a close call. The full plastic cup of river flooding here in the north is the snow pack, and the toddling grabby baby is the Spring melt. Last year the maximum snow pack in the region was on or about February 14th, most of which was melted away by March 20th. Last year at this time the snow pack in the region ran from about 18 to 22 inches with a few areas over 24 inches. This year the snow pack in the same area is between 20 and 39 inches.

The chances of a major flood, the flood to beat all floods, or at least, be in the top five or so floods, is probably about 50-50 so far, but there is a good chance that if our winter continues as it has been, that will go up. The ultimate severity of the flood depends on the pattern of melting this spring. The chances of moderate flooding is, according to the National Weather Service, greater than 80 percent. The chances of some flooding is not in question. There will be flooding.

The situation could be worse in the Minnesota River, where the snow pack is about the same as it was during the most recent severe flood (2003).

Homes in some of the floodplains in the Red River Valley need to be purchased and removed. It was not wise to have built them there to begin with, so it may be reasonable to not pay top dollar for them, depending on circumstances.

Sources of information:

A Young River in an Old Valley

Overview of flooding

Flooding predicted

Snow pack

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## 9 thoughts on “The time to buy flood insurance is now …”

1. Eric Lund says:

3) Ice and snow pack that flows down the river has to no[t] get stuck on any turns, bridges, or berms.

Or not-yet-thawed ice downstream. That’s why the Red River is particularly vulnerable: it is the biggest (and perhaps only major) river in the Lower 48 to drain to the Arctic Ocean, so it’s a safe bet that when the ice breaks up on part of the river it will flow downstream to a section where the ice hasn’t broken up yet. If we’re lucky that will only happen in places well north of Winnipeg, where there aren’t that many inhabitants. But even if I were a betting man, I wouldn’t place that bet; instead I’d bet that the ice will jam up somewhere south of Pembina.

2. I bet people south of the equator would beg to differ Greg.

3. Mu says:

Makes me wonder if we can sent every building contractor on a tour of the Rhine (or most other European river) valley to check for construction in flood prone areas. They would notice that houses are built of stone, with the entrance on what would be the second floor here. The ground level acting as basement filled with items that can either be flooded or are not a great loss if they get wet.

4. Ronald H. says:

The members of the City Council, Zoning Board and Department of Public Works of Fargo, North Dakota will be happy to take a European Fact Finding mission!

5. Johnfruh says:

You said:
“it is the biggest (and perhaps only major) river in the Lower 48 to drain to the Arctic Ocean”
No, no, no … not even close.

The Red River drains into Lake Winnipeg.
Lake Winnipeg drains, by way of the Nelson River, into Hudson’s Bay!

6. megan says:

Once I checked out the little display video showing at the National Mississippi River Museum & Aquarium(Iowa) documenting the Mississippi River history over the last couple of billion or million years. The key memorable section had to do with right after the last Ice Age. ALL, I said ALL of the plains to the Great Lakes areas surrounding both the Missouri and Miss. down to Missouri/Arkansas were basically large wetlands, marshes, lakes and swamps for CENTURIES. http://www.mississippirivermuseum.com/features.cfm

Once the waters got stabilized glaciers retreated dropping rocks, plant life helped build up land and rivers dug deeper paths but if the world is going to get wetter again from polar and glacial melts, the upper Midwest and plains are going to real wet again and only MAJOR terraforming and man-made constructions will save farmland and dwelling space. Farmers are saying their tiling isn’t working anymore, yet many don’t like CPR or keeping buffer strips around their creeks and near by rivers.

Why I’ve said the construction Brad Pitt’s company in New Orleans is promoting should be the new construction in many more regions with cities and neighborhoods in low lying flood plains now. Different food stock like rice that can live GMO’d hybrid with soybeans or oats/wheat. Becuz it’ gonna get wetter than drier. And food costs will rise regardless of ethanol using animal feed corn.

My prediction that’ll take another 20-30yrs just like many like me were saying Reagan’s push to outsource and NAFTA would ruin America’s economy and jobs, which finally hit. So keep whistling in the dark and poo-pooing. Nothing’s gonna change so it’ll get worse twice as fast.

7. Johnfruh: Eric is correct. The Red River is in the “Lower 48” but the Winnepeg and Nelson Rivers are in the “Upper Ten+1”

8. Megan, part of the reason the upper Mississippi was marshland is because the terrain was immature owing to the recent retreat of glaciers. In a post-glacial setting, that land wont’ go back to being marshlands.

I haven’t seen the exhibit so I’m not sure abut the middle Mississippi.