This is a guest post by Larry Lazar.

If you have had the news on the last day or two you may have seen stories and images about the Missouri floods. Many of those images are from Eureka (where we live), Pacific (where my wife Kellie works) and Valley Park (which is on my commute to work). That picture of the submerged McDonald’s you may have seen on the news is in Union, Missouri, about 20 miles to the southwest of Eureka

We are dry, mostly, and doing okay. The basement was flooded during the initial 3 day rain event due to a failed sump pump and a couple downspouts that came unattached from the drain pipes during the heavy downfall. The hydrostatic pressure of the ground water on the foundation was simply too much to hold back. We fixed the drain spouts and had a new sump pump installed on Sunday and that stopped any more water from coming in. We are fortunate that we returned home from visiting my family in Michigan on Saturday instead of Sunday or the water would have been much higher.

Unfortunately it doesn’t take much water to ruin carpet pads and drywall. My son and I were able to get the carpets up and the pads out the back of the house with a lot of labor but not too much trouble. There are now 14 high powered and very noisy blowers and a super-sized dehumidifier running non-stop in the basement at a cost of $30 per day per machine (disaster capitalism is quite profitable). We are told everything will be dried out in 2 to 3 days.

We have learned a painful and expensive lesson about not having a sump pump rider on our home insurance. The rider would have covered damages from the failed pump. We also would have been covered if our dishwasher had overflowed but not from ground water. Fortunately, because we acted quickly, we didn’t have any significant content damage so the only costs will be drying the place out and installing new pads under the salvaged carpets. Kellie thinks she is getting some new furniture out of the deal. I have no idea how less fortunate folks that have far more damage are going to get through this financially.

Flood lessons to pass along: check your sump pump, downspouts and your insurance policy. Keep important stuff up off the basement floor. Purchase a generator to keep the sump pump running when the power fails.

Downtown Eureka is a true disaster. The sand bagging effort was futile against the record water levels as most of the businesses downtown have water over their front doors. O’Dell’s, our favorite Irish pub, will be out of commission for a long time so now we have to go across the freeway to have good beer from the tap. The businesses Eureka residents depend on will be out of commission for many months.

Many homes along the river have been lost and are now downstream. These homes are built on stilts and have survived many flood events in the past but stilts can only go so high. We can no longer use the climate of the past to guide our decisions on the future. The rules for the game of life have changed and we must adapt to those rules.

Eureka has now had two 500 year floods in the last 22 years. The increasing frequency of these “500 year” (or more) type events really brings home what James Hansen wrote about in “Storms of my Grandchildren”. I’m pretty sure these frequency estimates will be a meaningless descriptor in the future. It will be interesting to see what the spring brings as the climate change fueled El Nino really kicks in.

All the roads out of Eureka were closed except for one and that one was a parking lot most of the time. Semi tractors on curvy and hilly two lane roads are not a good combination. Many subdivisions in the area have been isolated for a couple days now. The river crested around 6 last night so water levels, and media coverage, are quickly receding and moving downriver. We are looking forward to returning to some type of normalcy, and increased urgency for action on climate change, in the New Year.

If you want to help the best thing to do is to demand increased action on climate change from your political leaders.

We will need a price on carbon (see Citizen’s Climate Lobby), increased investment in energy efficiency, renewables and nuclear, and adaptation plans for the climate changes that are unavoidable. The American Red Cross is doing great work in helping people get through these disasters. I’m sure they could use your support.