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This study introduces a novel methodology for assessing ice-jam flood hazards along river channels. It employs empirical equations that relate non-dimensional ice-jam stage to discharge, enabling the generation of an ensemble of longitudinal profiles of ice-jam backwater levels through Monte-Carlo simulations. These simulations produce non-exceedance probability profiles, which indicate the likelihood of various flood levels occurring due to ice jams. The flood levels associated with specific return periods were validated using historical gauge records. The empirical equations require input parameters such as channel width, slope, and thalweg elevation, which were obtained from bathymetric surveys. This approach is applied to assess ice-jam flood hazards by extrapolating data from a gauged reach at Fort Simpson to an ungauged reach at Jean Marie River along the Mackenzie River in Canada’s Northwest Territories. The analysis further suggests that climate change is likely to increase the severity of ice-jam flood hazards in both reaches by the end of the century. This methodology is applicable to other cold-region rivers in Canada and northern Europe, provided similar fluvial geomorphological and hydro-meteorological data are available, making it a valuable tool for ice-jam flood risk assessment in other ungauged areas. © 2025 by the authors.

ABSTRACT Urbanization is leading to more frequent flooding as cities have more impervious surfaces and runoff exceeds the capacity of combined sewer systems. In heavy rainfall, contaminated excess water is discharged into the natural environment, damaging ecosystems and threatening drinking water sources. To address these challenges aggravated by climate change, urban blue-green water management systems, such as bioretention cells, are increasingly being adopted. Bioretention cells use substrate and plants adapted to the climate to manage rainwater. They form shallow depressions, allowing infiltration, storage, and gradual evacuation of runoff. In 2018, the City of Trois-Rivières (Québec, Canada) installed 54 bioretention cells along a residential street, several of which were equipped with access points to monitor performance. Groundwater quality was monitored through the installation of piezometers to detect potential contamination. This large-scale project aimed to improve stormwater quality and reduce sewer flows. The studied bioretention cells reduced the flow and generally improved water quality entering the sewer system, as well as the quality of stormwater, with some exceptions. Higher outflow concentrations were observed for contaminants such as manganese and nitrate. The results of this initiative provide useful recommendations for similar projects for urban climate change adaptation.

AbstractThe frequency and severity of floods has increased in different regions of the world due to climate change. Although the impact of floods on human health has been extensively studied, the increase in the segments of the population that are likely to be impacted by floods in the future makes it necessary to examine how adaptation measures impact the mental health of individuals affected by these natural disasters. The goal of this scoping review is to document the existing studies on flood adaptation measures and their impact on the mental health of affected populations, in order to identify the best preventive strategies as well as limitations that deserve further exploration. This study employed the methodology of the PRISMA-ScR extension for scoping reviews to systematically search the databases Medline and Web of Science to identify studies that examined the impact of adaptation measures on the mental health of flood victims. The database queries resulted in a total of 857 records from both databases. Following two rounds of screening, 9 studies were included for full-text analysis. Most of the analyzed studies sought to identify the factors that drive resilience in flood victims, particularly in the context of social capital (6 studies), whereas the remaining studies analyzed the impact of external interventions on the mental health of flood victims, either from preventive or post-disaster measures (3 studies). There is a very limited number of studies that analyze the impact of adaptation measures on the mental health of populations and individuals affected by floods, which complicates the generalizability of their findings. There is a need for public health policies and guidelines for the development of flood adaptation measures that adequately consider a social component that can be used to support the mental health of flood victims.

Combined sewer surcharges in densely urbanized areas have become more frequent due to the expansion of impervious surfaces and intensified precipitation caused by climate change. These surcharges can generate system overflows, causing urban flooding and pollution of urban areas. This paper presents a novel methodology to mitigate sewer system surcharges and control surface water. In this methodology, flow control devices and urban landscape retrofitting are proposed as strategies to reduce water inflow into the sewer network and manage excess water on the surface during extreme rainfall events. For this purpose, a 1D/2D dual drainage model was developed for two case studies located in Montreal, Canada. Applying the proposed methodology to these two sites led to a reduction of the volume of wastewater overflows by 100% and 86%, and a decrease in the number of surface overflows by 100% and 71%, respectively, at the two sites for a 100-year return period 3-h Chicago design rainfall. It also controlled the extent of flooding, reduced the volume of uncontrolled surface floods by 78% and 80% and decreased flooded areas by 68% and 42%, respectively, at the two sites for the same design rainfall.

In recent years, understanding and improving the perception of flood risk has become an important aspect of flood risk management and flood risk reduction policies. The aim of this study was to explore perceptions of flood risk in the Petite Nation River watershed, located in southern Quebec, Canada. A survey was conducted with 130 residents living on a floodplain in this river watershed, which had been affected by floods in the spring of 2017. Participants were asked about different aspects related to flood risk, such as the flood hazard experience, the physical changes occurring in the environment, climate change, information accessibility, flood risk governance, adaptation measures, and finally the perception of losses. An analysis of these factors provided perspectives for improving flood risk communication and increasing the public awareness of flood risk. The results indicated that the analyzed aspects are potentially important in terms of risk perception and showed that the flood risk perceptions varied for each aspect analyzed. In general, the information regarding flood risk management is available and generally understandable, and the level of confidence was good towards most authorities. However, the experiences of flood risk and the consequences of climate change on floods were not clear among the respondents. Regarding the adaptation measures, the majority of participants tended to consider non-structural adaptation measures as being more relevant than structural ones. Moreover, the long-term consequences of flooding on property values are of highest concern. These results provide a snapshot of citizens’ risk perceptions and their opinions on topics that are directly related to such risks.

In Canada, flooding is the most common and costly natural hazard. Flooding events significantly impact communities, damage infrastructures and threaten public security. Communication, as part of a flood risk management strategy, is an essential means of countering these threats. It is therefore important to develop new and innovative tools to communicate the flood risk with citizens. From this perspective, the use of story maps can be very effectively implemented for a broad audience, particularly to stakeholders. This paper details how an interactive web-based story map was set up to communicate current and future flood risks in the Petite-Nation River watershed, Quebec (Canada). This web technology application combines informative texts and interactive maps on current and future flood risks in the Petite-Nation River watershed. Flood risk and climate maps were generated using the GARI tool, implemented using a geographic information system (GIS) supported by ArcGIS Online (Esri). Three climate change scenarios developed by the Hydroclimatic Atlas of Southern Quebec were used to visualize potential future impacts. This study concluded that our story map is an efficient flood hazard communication tool. The assets of this interactive web mapping tool are numerous, namely user-friendly mapping, use and interaction, and customizable displays.

This paper presents a new framework for floodplain inundation modeling in an ungauged basin using unmanned aerial vehicles (UAVs) imagery. This method is based on the integrated analysis of high-resolution ortho-images and elevation data produced by the structure from motion (SfM) technology. To this end, the Flood-Level Marks (FLMs) were created from high-resolution UAV ortho-images and compared to the flood inundated areas simulated using the HEC-RAS hydraulic model. The flood quantiles for 25, 50, 100, and 200 return periods were then estimated by synthetic hydrographs using the Natural Resources Conservation Service (NRCS). The proposed method was applied to UAV image data collected from the Khosban village, in Taleghan County, Iran, in the ungauged sub-basin of the Khosban River. The study area is located along one kilometre of the river in the middle of the village. The results showed that the flood inundation areas modeled by the HEC-RAS were 33%, 19%, and 8% less than those estimated from the UAV’s FLMs for 25, 50, and 100 years return periods, respectively. For return periods of 200 years, this difference was overestimated by more than 6%, compared to the UAV’s FLM. The maximum flood depth in our four proposed scenarios of hydraulic models varied between 2.33 to 2.83 meters. These analyses showed that this method, based on the UAV imagery, is well suited to improve the hydraulic modeling for seasonal inundation in ungauged rivers, thus providing reliable support to flood mitigation strategies

Geohazards associated with the dynamics of the liquid and solid water of the Earth’s hydrosphere, such as floods and glacial processes, may pose significant risks to populations, activities and properties [...]

Floods are the most common natural hazard worldwide. GARI is a flood risk management and analysis tool that is being developed by the Environmental and Nordic Remote Sensing Group (TENOR) of INRS in Quebec City (Canada). Beyond mapping the flooded areas and water levels, GARI allows for the estimation, analysis and visualization of flood risks for individuals, residential buildings, and population. Information can therefore be used during the different phases of flood risk management. In the operational phase, GARI can use satellite radar images to map in near real-time the flooded areas and water levels. It uses an innovative approach that combines Radarsat-2 and hydraulic data, specifically flood return period data. Information from the GARI enable municipalities and individuals to anticipate the impacts of a flood in a given area, to mitigate these impacts, to prepare, and to better coordinate their actions during a flood.

Les inondations de 2017 et 2019 au Québec ont affecté respectivement 293 et 240 municipalités. Ces inondations ont généré une cascade d’évènements stressants (stresseurs primaires et secondaires) qui ont eu des effets sur la santé mentale de la population et retardé le processus de rétablissement des individus. Cette période de rétablissement peut s’échelonner sur plusieurs mois voire plusieurs années. Cette étude s’inscrit dans la spécificité de la recherche mixte mise de l’avant à travers trois stratégies de recherche, réalisées de façon séquentielle : 1) sondage populationnelle réalisé auprès de 680 personnes, 2) analyse de documents produits par les organisations participant au processus de rétablissement social des sinistrés, ou sur des analyses externes portant sur ces interventions de rétablissement et 3) entrevues semi-dirigées auprès de 15 propriétaires occupants ayant complété une demande d’indemnisation à la suite des inondations de 2019 et auprès de 11 professionnels et gestionnaires participant au processus de rétablissement social. Les entrevues semi-dirigées et les questionnaires complétés par les personnes sinistrées lors des inondations de 2019 démontrent que les principales sources de stress ayant des impacts sur la santé et le bien-être des répondants sont : 1) l’absence d’avertissement et la vitesse de la montée des eaux; 2) l’obligation de se relocaliser et la peur d’être victime de pillage; 3) le manque de solidarité et d’empathie de la part de certains employés du MSP; 4) la gestion des conflits familiaux; 5) la gestion de problèmes de santé nouveaux ou préexistants; 6) la complexité des demandes d’indemnisation; 7) la lourdeur et les délais des travaux de nettoyage ou de restauration; 8) les indemnités inférieures aux coûts engendrés par l’inondation; 9) les pertes matérielles subies, particulièrement ceux d’une valeur de plus de 50 000 $; et 10) la diminution anticipée de la valeur de sa résidence. À cela s’ajoute l’insatisfaction à l’égard du programme d’indemnisation du gouvernement du Québec (PGIAF) qui fait plus que doubler la prévalence des symptômes de stress post-traumatique. Les inondations entraînent également une perte de satisfaction ou de bien-être statistiquement significative. La valeur monétaire de cette perte de jouissance peut être exprimée en équivalent salaires. En moyenne, cette diminution du bien-être équivaut à une baisse de salaire de 60 000$ pour les individus ayant vécu une première inondation et à 100 000$ pour les individus ayant vécu de multiples inondations. Ces résultats suggèrent que les coûts indirects et intangibles représentent une part importante des dommages découlant des inondations. Ce projet de recherche vise également à analyser l’application du PGIAF et son influence sur les stresseurs vécus par les sinistrés dans le contexte de la pandémie de COVID-19. La principale recommandation de cette étude repose sur une analyse de documents, un sondage populationnel et des entrevues semi-dirigées. Ainsi, s’attaquer à la réduction de principaux stresseurs nécessite 1) d’améliorer la gouvernance du risque d’inondation, 2) d’intensifier la communication et le support aux sinistrés, et 3) de revoir les mécanismes d’indemnisation existants.

There is mounting pressure on (re)insurers to quantify the impacts of climate change, notably on the frequency and severity of claims due to weather events such as flooding. This is however a very challenging task for (re)insurers as it requires modeling at the scale of a portfolio and at a high enough spatial resolution to incorporate local climate change effects. In this paper, we introduce a data science approach to climate change risk assessment of pluvial flooding for insurance portfolios over Canada and the United States (US). The underlying flood occurrence model quantifies the financial impacts of short-term (12–48 h) precipitation dynamics over the present (2010–2030) and future climate (2040–2060) by leveraging statistical/machine learning and regional climate models. The flood occurrence model is designed for applications that do not require street-level precision as is often the case for scenario and trend analyses. It is applied at the full scale of Canada and the US over 10–25 km grids. Our analyses show that climate change and urbanization will typically increase losses over Canada and the US, while impacts are strongly heterogeneous from one state or province to another, or even within a territory. Portfolio applications highlight the importance for a (re)insurer to differentiate between future changes in hazard and exposure, as the latter may magnify or attenuate the impacts of climate change on losses.

Abstract Measuring freshwater submerged aquatic vegetation (SAV) biomass at large spatial scales is challenging, and no single technique can cost effectively accomplish this while maintaining accuracy. We propose to combine and intercalibrate accurate quadrat‐scuba diver technique, fast rake sampling, and large‐scale echosounding. We found that the overall relationship between quadrat and rake biomass is moderately strong (pseudo R 2  = 0.61) and varies with substrate type and SAV growth form. Rake biomass was also successfully estimated from biovolume (pseudo R 2  = 0.57), a biomass proxy derived from echosounding. In addition, the relationship was affected, in decreasing relevance, by SAV growth form, flow velocity, acoustic data quality, depth, and wind conditions. Sequential application of calibrations yielded predictions in agreement with quadrat observations, but echosounding predictions underestimated biomass in shallow areas (< 1 m) while outperforming point estimation in deep areas (> 3 m). Whole‐system quadrat‐equivalent biomass from echosounding differed by a factor of two from point survey estimates, suggesting echosounding is more accurate at larger scales owing to the increased sample size and better representation of spatial heterogeneity. To decide when an individual or a combination of techniques is profitable, we developed a step‐by‐step guideline. Given the risks of quadrat‐scuba diver technique, we recommend developing a one‐time quadrat–rake calibration, followed by the use of rake and echosounding when sampling at larger spatial and temporal scales. In this case, rake sampling becomes a valid ground truthing method for echosounding, also providing valuable species information and estimates in shallow waters where echosounding is inappropriate.

Résumé L'hydrogéomorphologie étudie la dynamique des rivières en se concentrant sur les interactions liant la structure des écoulements, la mobilisation et le transport des sédiments et les morphologies qui caractérisent les cours d'eau et leur bassin‐versant. Elle offre un cadre d'analyse et des outils pour une meilleure intégration des connaissances sur la dynamique des rivières pour la gestion des cours d'eau au sens large, et plus spécifiquement, pour leur restauration, leur aménagement et pour l'évaluation et la prévention des risques liés aux aléas fluviaux. Au Québec, l'hydrogéomorphologie émerge comme contribution significative dans les approches de gestion et d'évaluation du risque et se trouve au cœur d'un changement de paradigme dans la gestion des cours d'eau par lequel la restauration des processus vise à augmenter la résilience des systèmes et des sociétés et à améliorer la qualité des environnements fluviaux. Cette contribution expose la trajectoire de l'hydrogéomorphologie au Québec à partir des publications scientifiques de géographes du Québec et discute des visées de la discipline en recherche et en intégration des connaissances pour la gestion des cours d'eau . , Abstract Hydrogeomorphology studies river dynamics, focusing on the interactions between flow structure, sediment transport, and the morphologies that characterize rivers and their watersheds. It provides an analytical framework and tools for better integrating knowledge of river dynamics into river management in the broadest sense, and more specifically, into river restoration as well as into the assessment and prevention of risks associated with fluvial hazards. In Quebec, hydrogeomorphology is emerging as a significant contribution to risk assessment and management approaches, and is at the heart of a paradigm shift in river management whereby process restoration aims to increase the resilience of fluvial systems and societies, and improve the quality of fluvial environments. This contribution outlines the trajectory of hydrogeomorphology in Quebec, based on scientific publications by Quebec geographers, and discusses the discipline's aims in research and knowledge integration for river management . , Messages clés Les géographes du Québec ont contribué fortement au développement des connaissances et outils de l'hydrogéomorphologie. L'hydrogéomorphologie a évolué d'une science fondamentale à une science où les connaissances fondamentales sont au service de la gestion des cours d'eau. L'hydrogéomorphologie et le cortège de connaissances et d'outils qu'elle promeut font de cette discipline une partenaire clé pour une gestion holistique des cours d'eau.

Dam spillways are susceptible to a range of engineering challenges including structural deficiencies, insufficient discharge capacity, and mechanical failures; however, a particularly significant issue is hydraulic erosion, which poses a significant threat to dam infrastructure. This necessitates a comprehensive assessment of both hydraulic and rock mechanical parameters to ensure structural integrity and operational resilience. In the rock mechanical aspect of hydraulic erosion, the resistive capacity of the material holds great importance, while in the hydraulic aspect, the erosive force of water plays a pivotal role. Hence, neglecting these incidents would increase the risk of overtopping and subsequent downstream flooding, thereby impacting the overall safety and operational reliability of the dam. This study focuses on investigating the hydraulic parameters of a smooth surface unlined open channel spillway. By utilizing both numerical modeling and experimental analysis, we aim to explore how variations in these parameters impact erosion in dams’ spillways. The research centers on the Romaine 4 dam spillway, situated in the northeastern region of Quebec in Canada as a representative case study. The physical model of this spillway was constructed at the Université du Québec à Chicoutimi, where we carried out the experimental analyses. In this research, we also conducted a comprehensive numerical analysis using Finite Volume Method (FVM), enabling a detailed examination of three-dimensional flow behavior within the spillway. This enabled a precise monitoring of the fluid motion patterns. Moreover, an experimental approach was utilized to enhance the accuracy and reliability of the results. This involved conducting detailed tests on the reduced-scale model using a XYZ robotic system capable of movement in X,Y,Z directions and capturing position, velocity and pressure. The results of numerical and experimental analyses reveal that the numerical model effectively captures the overall flow characteristics, closely predicting the average velocity throughout the channel. However, it indicates limitations in accurately predicting extreme velocities, such as maximum and minimum values. The results show that the maximum discrepancies between experimental and numerical data primarily concern extreme velocities, with the numerical model underestimating maximum velocities and overestimating minimum velocities, with errors more pronounced at higher flow rates and upstream. This discrepancy can reach up to 60% in certain areas. Furthermore, the study examined the effects of gates on variability of hydraulic parameters like flow depth and velocity. The analysis of a number of gate configurations revealed that double-gate spillways maintain more consistent flow depths across all significant cross-sections. By explaining the complex interaction between hydraulic behavior and spillway design, this research attempts to advance our understanding of hydraulic-prone erosion areas in dam spillways and ensure the long-term resilience of dam infrastructure. Les évacuateurs de crues des barrages sont sujets à divers défis d'ingénierie, incluant des défaillances structurelles, une capacité d'évacuation insuffisante et des pannes mécaniques; cependant, l'érosion hydraulique constitue une problématique particulièrement importante qui menace l'infrastructure des barrages. Il est donc nécessaire d’évaluer de manière approfondie les paramètres hydrauliques et mécaniques des roches afin d’assurer l’intégrité structurelle et la résilience opérationnelle. Dans l’aspect mécanique des roches concernant l’érosion hydraulique, la capacité de résistance du matériau revêt une grande importance, tandis que dans l’aspect hydraulique, la force érosive de l’eau joue un rôle essentiel. Par conséquent, ignorer ces phénomènes augmenterait le risque de débordement et d’inondation en aval, impactant ainsi la sécurité et la fiabilité opérationnelle globale du barrage. Cette étude se concentre sur l’analyse des paramètres hydrauliques d'un évacuateur de crues à canal ouvert non revêtu et à surface lisse. En utilisant à la fois la modélisation numérique et l’analyse expérimentale, nous visons à explorer comment les variations de ces paramètres influencent l’érosion dans les évacuateurs de crues des barrages. La recherche porte sur l’évacuateur de crues du barrage Romaine 4, situé dans la région nord-est du Québec au Canada, en tant qu’étude de cas représentative. Le modèle physique de cet évacuateur a été construit à l’Université du Québec à Chicoutimi, où nous avons effectué les analyses expérimentales. Dans cette recherche, nous avons également réalisé une analyse numérique complète en utilisant la méthode des volumes finis (FVM), permettant un examen détaillé du comportement tridimensionnel de l’écoulement dans l’évacuateur. Cela a permis un suivi précis des schémas de mouvement du fluide. En outre, une approche expérimentale a été utilisée pour accroître la précision et la fiabilité des résultats, en réalisant des tests détaillés sur le modèle réduit à l’aide d’un système robotisé XYZ qui est capable de se déplacer dans trois directions (X, Y, Z), pour effectuer des prises de mesures de position, vitesse et pression. Les résultats des analyses numériques et expérimentales révèlent que le modèle numérique capture efficacement les caractéristiques générales de l’écoulement, prédisant de manière précise la vitesse moyenne dans le canal. Cependant, il présente des limitations dans la prédiction précise des pression dynamique et statique extrêmes comme les valeurs maximales et minimales. Les résultats montrent que les écarts maximaux entre les données expérimentales et numériques concernent principalement les vitesses extrêmes, le modèle numérique sous-estimant les vitesses maximales et surestimant les minimales, avec des erreurs plus marquées aux débits élevés et en amont. Cet écart peut aller jusqu’aux 60% à certains endroits. Par ailleurs, l’étude a examiné les effets des vannes sur la variabilité des paramètres hydrauliques tels que la profondeur de l’écoulement et la vitesse. L’analyse de plusieurs configurations de vannes a révélé que les évacuateurs à double vanne maintiennent des profondeurs d’écoulement plus constantes à travers toutes les sections transversales significatives. En expliquant l’interaction complexe entre le comportement hydraulique et la conception des évacuateurs de crues, cette recherche vise à améliorer notre compréhension des zones sujettes à l’érosion hydraulique dans les évacuateurs de barrages et à assurer la résilience à long terme de l’infrastructure des barrages.

In Canada, floods are the most common largely distributed hazard to life, property, the economy, water systems, and the environment costing the Canadian economy billions of dollars. Arising from this is FloodNet: a transdisciplinary strategic research network funded by Canadas Natural Sciences and Engineering Research Council, as a vehicle for a concerted nation-wide effort to improve flood forecasting and to better assess risk and manage the environmental and socio-economic consequences of floods. Four themes were explored in this network which include 1) Flood regimes in Canada; 2) Uncertainty of floods; 3) Development of a flood forecasting and early warning system and 4) Physical, socio-economic and environmental effects of floods. Over the years a range of statistical, hydrologic, modeling, and economic and psychometric analyses were used across the themes. FloodNet has made significant progress in: assessing spatial and temporal variation of extreme events; updating intensity-duration-frequency (IDF) curves; improving streamflow forecasting using novel techniques; development and testing of a Canadian adaptive flood forecasting and early warning system (CAFFEWS); a better understanding of flood impacts and risk. Despite these advancements FloodNet ends at a time when the World is still grappling with severe floods (e.g., Europe, China, Africa) and we report on several lessons learned. Mitigating the impact of flood hazards in Canada remains a challenging task due to the countrys varied geography, environment, and jurisdictional political boundaries. Canadian technical guide for developing IDF relations for infrastructure design in the climate change context has been recently updated. However, national guidelines for flood frequency analyses are needed since across the country there is not a unified approach to flood forecasting as each jurisdiction uses individual models and procedures. From the perspective of risk and vulnerability, there remains great need to better understand the direct and indirect impacts of floods on society, the economy and the environment.

&lt;p&gt;Spring floods have generated colossal damages to residential areas in the Province of Quebec, Canada, in 2017 and 2019. Government authorities need accurate modelling of the impact of theoretical floods in order to prioritize pre-disaster mitigation projects to reduce vulnerability. They also need accurate modelling of forecasted floods in order to direct emergency responses.&amp;#160;&lt;/p&gt;&lt;p&gt;We present a governmental-academic collaboration that aims at modelling flood impact for both theoretical and forecasted flooding events over all populated river reaches of meridional Quebec. The project, funded by the minist&amp;#232;re de la S&amp;#233;curit&amp;#233; publique du Qu&amp;#233;bec (Quebec ministry in charge of public security), consists in developing a diagnostic tool and methods to assess the risk and impacts of flooding. Tools under development are intended to be used primarily by policy makers.&amp;#160;&lt;/p&gt;&lt;p&gt;The project relies on water level data based on the hydrological regimes of nearly 25,000 km of rivers, on high-precision digital terrain models, and on a detailed database of building footprints and characterizations. It also relies on 24h and 48h forecasts of maximum flow for the subject rivers. The developed tools integrate large data sets and heterogeneous data sources and produce insightful metrics on the physical extent and costs of floods and on their impact on the population. The software also provides precise information about each building affected by rising water, including an estimated cost of the damages and impact on inhabitants.&amp;#160;&amp;#160;&lt;/p&gt;

Redlining occurs when institutions decline to make mortgage loans in specific areas. The practice originated in the 1930s, when federal agencies encouraged lenders to rate neighbourhoods for mortgage risk. Since the 1960s, especially in the US, it has been associated with disinvestment, racial discrimination and neighbourhood decline. It has always been viewed as a feature of the inner city. Historical evidence indicates that across Canada the first areas to be redlined were the less-desirable suburbs. Land registry and property assessment data establish the emergent patterns in Hamilton, Ontario. Between 1931 and 1951, institutional lending became a social norm first on new dwellings in suburbs. Individual lenders, previously dominant, were relegated to older inner-city properties or cheaper dwellings in less-desirable suburbs. In 1931, there were only minor geographical variations in the incidence of mortgage finance, and specifically of institutional financing, across the urban area. By 1951, lending institutions, led by insurance companies, were discriminating sharply in favour of the West End, the Mountain and Bartonville, and against those parts of the East End that were unserviced or close to lakefront industry. The evidence for Hamilton confirms that in Canada redlining originated in the suburbs. The same may also be true for US metropolitan areas, although the institutional context was different and relevant data are lacking.