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I hope everyone in SE Texas is preparing for hurricane Harvey. It's looking like a cat 3 or 4 now. Login/Join 
Tinker Sailor Soldier Pie
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Well, that's a bummer. Big time. I feel for these people.


~Alan

Acta Non Verba
NRA Life Member (Patron)
God, Family, Guns, Country

Men will fight and die to protect women... because women protect everything else. ~Andrew Klavan

 
Posts: 31219 | Location: Elv. 7,000 feet, Utah | Registered: October 29, 2012Reply With QuoteReport This Post
I believe in the
principle of
Due Process
Picture of JALLEN
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https://townhall.com/political...ns/2017/08/29/152633




Luckily, I have enough willpower to control the driving ambition that rages within me.

When you had the votes, we did things your way. Now, we have the votes and you will be doing things our way. This lesson in political reality from Lyndon B. Johnson

"Some things are apparent. Where government moves in, community retreats, civil society disintegrates and our ability to control our own destiny atrophies. The result is: families under siege; war in the streets; unapologetic expropriation of property; the precipitous decline of the rule of law; the rapid rise of corruption; the loss of civility and the triumph of deceit. The result is a debased, debauched culture which finds moral depravity entertaining and virtue contemptible." - Justice Janice Rogers Brown
 
Posts: 48369 | Location: Texas hill country | Registered: July 04, 2005Reply With QuoteReport This Post
Staring back
from the abyss
Picture of Gustofer
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quote:
Originally posted by PASig:
Was reading that there are going to be tens of thousands of people bankrupted or in the very least put in a tough economic situation as they did not have flood insurance and homeowners insurance isn't going to cover most of what's happening. Eek

Oh don't worry about the folks who chose not to get flood insurance. Us taxpayers are going to bail them out. Again.


________________________________________________________
"Great danger lies in the notion that we can reason with evil." Doug Patton.
 
Posts: 21125 | Location: Montana | Registered: November 01, 2010Reply With QuoteReport This Post
Member
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quote:
Oh don't worry about the folks who chose not to get flood insurance. Us taxpayers are going to bail them out. Again.


Everyone in the country is subject to natural disasters. Think earthquakes, volcanic eruptions, and what your insurance determines are acts of God. Many of the people in Texas DID NOT live in a flood zone. I think it is an entirely different matter if you have oceanfront property and expect the Federal Government to bail you out.
 
Posts: 17759 | Location: Stuck at home | Registered: January 02, 2015Reply With QuoteReport This Post
Little ray
of sunshine
Picture of jhe888
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quote:
Originally posted by ZSMICHAEL:
quote:
posted August 29, 2017 01:57 PM Hide Post
quote:
Originally posted by PASig:
Was reading that there are going to be tens of thousands of people bankrupted or in the very least put in a tough economic situation as they did not have flood insurance and homeowners insurance isn't going to cover most of what's happening.


They get some kind of FEMA flood insurance, right? Or not.


80 percent of the people do NOT have flood insurance. Federal help on a huge scale will be needed.


The feds make low cost (lower rates by a point or so) loans through FEMA and the SBA. Most victims won't have flood insurance. Many places that flooded are not in the flood plains.




The fish is mute, expressionless. The fish doesn't think because the fish knows everything.
 
Posts: 53474 | Location: Texas | Registered: February 10, 2004Reply With QuoteReport This Post
Staring back
from the abyss
Picture of Gustofer
posted Hide Post
quote:
Originally posted by ZSMICHAEL:
Many of the people in Texas DID NOT live in a flood zone. I think it is an entirely different matter if you have oceanfront property and expect the Federal Government to bail you out.

Houston was built on a swamp, at or very near sea level. It was a matter of time.

And if a forest fire or earthquake were to take out my home, I would not expect the .gov to bail me out. No, I give USAA money every month for that purpose.


________________________________________________________
"Great danger lies in the notion that we can reason with evil." Doug Patton.
 
Posts: 21125 | Location: Montana | Registered: November 01, 2010Reply With QuoteReport This Post
Nullus Anxietas
Picture of ensigmatic
posted Hide Post
quote:
Originally posted by ZSMICHAEL:
quote:
Oh don't worry about the folks who chose not to get flood insurance. Us taxpayers are going to bail them out. Again.

Everyone in the country is subject to natural disasters. Think earthquakes, volcanic eruptions, and what your insurance determines are acts of God. Many of the people in Texas DID NOT live in a flood zone. I think it is an entirely different matter if you have oceanfront property and expect the Federal Government to bail you out.

Indeed. I've seen/read that this is "a 500-year flood." Note mrvmax wrote they'd received 42" of rain since Saturday night at his place. I'm at 963' AMSL, not far off one of the highest parts of this region, and on the 2nd highest elevation for the surrounding area, pretty much as far as I can see, as well. And still I wouldn't bet even we wouldn't have trouble with that much rain.

If nothing else the sump pump would be running nearly constantly to keep the basement from flooding.



"America is at that awkward stage. It's too late to work within the system,,,, but too early to shoot the bastards." -- Claire Wolfe
"If we let things terrify us, life will not be worth living." -- Seneca the Younger, Roman Stoic philosopher
 
Posts: 26081 | Location: S.E. Michigan | Registered: January 06, 2008Reply With QuoteReport This Post
Oh stewardess,
I speak jive.
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The reach of storms such as this and the major hurricanes of recent history have demonstrated, with utter clarity, that the metrics used to gauge whether or not such insurance is needed and for whom and whether or not it ought to be required are inadequate and in dire need of refactoring with updated information.

I don't mind taxes helping folks during natural disasters, but if you live on the coast or even as near it as Houston, or you live in tornado prone areas like Alabama and other places, the onus for insuring yourself ought to fall to those residents who live there, and not just the ones who live on the coast proper or in the currently-defined flood plane.
 
Posts: 25613 | Registered: March 12, 2004Reply With QuoteReport This Post
Little ray
of sunshine
Picture of jhe888
posted Hide Post
quote:
Originally posted by Gustofer:
quote:
Originally posted by ZSMICHAEL:
Many of the people in Texas DID NOT live in a flood zone. I think it is an entirely different matter if you have oceanfront property and expect the Federal Government to bail you out.

Houston was built on a swamp, at or very near sea level. It was a matter of time.


When the mega volcano blows, I don't want to hear you complaining. In the meantime, stow it. It makes you sound like a heartless bastard.

This is going break a lot of people who aren't well-to-do. Literally break them economically. We're far better off making them lower cost loans than letting them go broke. I am as fiscally conservative as anyone, and I believe crisis is when government steps in. This is that is for several hundred thousand people.




The fish is mute, expressionless. The fish doesn't think because the fish knows everything.
 
Posts: 53474 | Location: Texas | Registered: February 10, 2004Reply With QuoteReport This Post
Little ray
of sunshine
Picture of jhe888
posted Hide Post
quote:
Originally posted by 46and2:
The reach of storms such as this and the major hurricanes of recent history have demonstrated, with utter clarity, that the metrics used to gauge whether or not such insurance is needed and for whom and whether or not it ought to be required are inadequate and in dire need of refactoring with updated information.

I don't mind taxes helping folks during natural disasters, but if you live on the coast or even as near it as Houston, or you live in tornado prone areas like Alabama and other places, the onus for insuring yourself ought to fall to those residents who live there, and not just the ones who live on the coast proper or in the currently-defined flood plane.


This is true. The flood maps seem all wrong. Not just in this unprecedented storm.




The fish is mute, expressionless. The fish doesn't think because the fish knows everything.
 
Posts: 53474 | Location: Texas | Registered: February 10, 2004Reply With QuoteReport This Post
Member
posted Hide Post
quote:
When the mega volcano blows, I don't want to hear you complaining. In the meantime, stow it. It makes you sound like a heartless bastard.

This is going break a lot of people who aren't well-to-do. Literally break them economically. We're far better off making them lower cost loans than letting them go broke. I am as fiscally conservative as anyone, and I believe crisis is when government steps in. This is that is for several hundred thousand people.



Thank you. I am reliving some of what I went through with Katrina, and feel for your situation. Having your health is the most important, but the recovery period is long and hard. In times like these it is nice to have the support of others to deal with the emotional fallout. Take care.
 
Posts: 17759 | Location: Stuck at home | Registered: January 02, 2015Reply With QuoteReport This Post
Not really from Vienna
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My dad was told in the 1980s by his insurance agent that flood insurance wasn't available to him since his house wasn't in the flood plain. In 1994 there was a protracted rainy period that resulted in 18" of water getting in their house. They had it remediated at considerable personal expense, and unfortunately, stayed there. Since then both my parents have passed away. My sister lives there now. She is away from Houston on a trip, fortunately, but her next door neighbors have 3' of water mixed with backed up sewage in their house. They've had 35+ inches of rain there since last Thursday. She now has flood insurance. But my point is that there's a possibility people have been misinformed as to the availability of flood insurance, like my dad was.

This message has been edited. Last edited by: arfmel,
 
Posts: 27309 | Location: SW of Hovey, Texas | Registered: January 30, 2007Reply With QuoteReport This Post
Mired in the
Fog of Lucidity
posted Hide Post
quote:
Originally posted by jhe888:
quote:
Originally posted by 46and2:
The reach of storms such as this and the major hurricanes of recent history have demonstrated, with utter clarity, that the metrics used to gauge whether or not such insurance is needed and for whom and whether or not it ought to be required are inadequate and in dire need of refactoring with updated information.

I don't mind taxes helping folks during natural disasters, but if you live on the coast or even as near it as Houston, or you live in tornado prone areas like Alabama and other places, the onus for insuring yourself ought to fall to those residents who live there, and not just the ones who live on the coast proper or in the currently-defined flood plane.


This is true. The flood maps seem all wrong. Not just in this unprecedented storm.




Floodplain maps, while they help a lot, are really just models or educated guesses as to what might occur during a high water event. Actual situations, what with freak extended torrential rains, levee issues, and other assorted dynamics that can be associated with storms like Harvey, unfold the way they do and sometimes turn the best models upside down. I've heard this storm referred to as a thousand year event a couple of times - who can really accurately predict something on this scale?
 
Posts: 4850 | Registered: February 10, 2007Reply With QuoteReport This Post
Staring back
from the abyss
Picture of Gustofer
posted Hide Post
quote:
Originally posted by jhe888:
quote:
Originally posted by Gustofer:
quote:
Originally posted by ZSMICHAEL:
Many of the people in Texas DID NOT live in a flood zone. I think it is an entirely different matter if you have oceanfront property and expect the Federal Government to bail you out.

Houston was built on a swamp, at or very near sea level. It was a matter of time.


When the mega volcano blows, I don't want to hear you complaining. In the meantime, stow it. It makes you sound like a heartless bastard.

This is going break a lot of people who aren't well-to-do. Literally break them economically. We're far better off making them lower cost loans than letting them go broke. I am as fiscally conservative as anyone, and I believe crisis is when government steps in. This is that is for several hundred thousand people.

I'm not at all a heartless bastard (though it may sound like that). I feel for them/you. In fact, my ex-wife and one of my daughters live there (Huffman) and have lost their homes due to this. So don't think I'm not connected to it to some degree. Even given my personal connection, my comments stand.

It's a horrible situation that I wouldn't wish on anyone (even my ex-wife), but it is not one that was unforeseen.

Low cost loans I have no problem with. Charity I have no problem with and intend to give some. Handouts is another story.


________________________________________________________
"Great danger lies in the notion that we can reason with evil." Doug Patton.
 
Posts: 21125 | Location: Montana | Registered: November 01, 2010Reply With QuoteReport This Post
Dances with Wiener Dogs
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We aren't in a flood plane but we do have flood insurance. But that's because we lost our previous home to flooding. And we know those flood maps are part fiction. But not everyone has that personal history.


_______________________
“The only power any government has is the power to crack down on criminals. Well, when there aren't enough criminals, one makes them. One declares so many things to be a crime that it becomes impossible for men to live without breaking laws.” Ayn Rand

“If we relinquish our rights because of fear, what is it exactly, then, we are fighting for?” Sen. Rand Paul
 
Posts: 8392 | Registered: July 21, 2010Reply With QuoteReport This Post
thin skin can't win
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Cattle on the loose walking around Pearland in the the latest feed from there.

That's not a sentence you'd ever expect.....



You only have integrity once. - imprezaguy02

 
Posts: 12908 | Location: Madison, MS | Registered: December 10, 2007Reply With QuoteReport This Post
I believe in the
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Due Process
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My mom's house was flooded twice, in the heavy rains in 1998, rebuilt, and again in 2001. The home was 3 lots from the river.

All of our family stuff, baby books, wedding invites, memorabilia, old 8 mm films, etc. washed down the river. One of the items that washed away in 1998 was a letter recently received from the city informing her that her property was not in the 100 year flood plain.




Luckily, I have enough willpower to control the driving ambition that rages within me.

When you had the votes, we did things your way. Now, we have the votes and you will be doing things our way. This lesson in political reality from Lyndon B. Johnson

"Some things are apparent. Where government moves in, community retreats, civil society disintegrates and our ability to control our own destiny atrophies. The result is: families under siege; war in the streets; unapologetic expropriation of property; the precipitous decline of the rule of law; the rapid rise of corruption; the loss of civility and the triumph of deceit. The result is a debased, debauched culture which finds moral depravity entertaining and virtue contemptible." - Justice Janice Rogers Brown
 
Posts: 48369 | Location: Texas hill country | Registered: July 04, 2005Reply With QuoteReport This Post
If you see me running
try to keep up
Picture of mrvmax
posted Hide Post
quote:
Originally posted by ensigmatic:
quote:
Originally posted by ZSMICHAEL:
quote:
Oh don't worry about the folks who chose not to get flood insurance. Us taxpayers are going to bail them out. Again.

Everyone in the country is subject to natural disasters. Think earthquakes, volcanic eruptions, and what your insurance determines are acts of God. Many of the people in Texas DID NOT live in a flood zone. I think it is an entirely different matter if you have oceanfront property and expect the Federal Government to bail you out.

Indeed. I've seen/read that this is "a 500-year flood." Note mrvmax wrote they'd received 42" of rain since Saturday night at his place. I'm at 963' AMSL, not far off one of the highest parts of this region, and on the 2nd highest elevation for the surrounding area, pretty much as far as I can see, as well. And still I wouldn't bet even we wouldn't have trouble with that much rain.

If nothing else the sump pump would be running nearly constantly to keep the basement from flooding.

FYI as of now my total is 53", the rain is down to a drizzle so just waiting for flood waters to recede. I have been paying for flood insurance since 97 and looks like I still will not need to make a claim - thank God.
 
Posts: 4358 | Location: Friendswood Texas | Registered: August 24, 2007Reply With QuoteReport This Post
Only the strong survive
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Here is the National Weather Service Precipitation Map. Their scale only goes to 20 inches so you will not be able to see the total rainfall for a week.

http://www.srh.noaa.gov/ridge2/RFC_Precip/

Set the time on 3 hours and zoom in. Some places have had 18 inches in 24 hours.


41
 
Posts: 11963 | Location: Herndon, VA | Registered: June 11, 2009Reply With QuoteReport This Post
Member
posted Hide Post
quote:
Originally posted by jhe888:
quote:
Originally posted by ZSMICHAEL:
quote:
posted August 29, 2017 01:57 PM Hide Post
quote:
Originally posted by PASig:
Was reading that there are going to be tens of thousands of people bankrupted or in the very least put in a tough economic situation as they did not have flood insurance and homeowners insurance isn't going to cover most of what's happening.


They get some kind of FEMA flood insurance, right? Or not.


80 percent of the people do NOT have flood insurance. Federal help on a huge scale will be needed.


The feds make low cost (lower rates by a point or so) loans through FEMA and the SBA. Most victims won't have flood insurance. Many places that flooded are not in the flood plains.


I would surmise that the flood plains in Houston area are going to be revised and expanded!MG
 
Posts: 2714 | Registered: March 22, 2010Reply With QuoteReport This Post
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