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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.

Read the latest report from UQAM and GRI, looking at options to reduce flood risk for Canadian homeowners living in flood-prone areas.

AbstractLarge scale flood risk analyses are fundamental to many applications requiring national or international overviews of flood risk. While large‐scale climate patterns such as teleconnections and climate change become important at this scale, it remains a challenge to represent the local hydrological cycle over various watersheds in a manner that is physically consistent with climate. As a result, global models tend to suffer from a lack of available scenarios and flexibility that are key for planners, relief organizations, regulators, and the financial services industry to analyze the socioeconomic, demographic, and climatic factors affecting exposure. Here we introduce a data‐driven, global, fast, flexible, and climate‐consistent flood risk modeling framework for applications that do not necessarily require high‐resolution flood mapping. We use statistical and machine learning methods to examine the relationship between historical flood occurrence and impact from the Dartmouth Flood Observatory (1985–2017), and climatic, watershed, and socioeconomic factors for 4,734 HydroSHEDS watersheds globally. Using bias‐corrected output from the NCAR CESM Large Ensemble (1980–2020), and the fitted statistical relationships, we simulate 1 million years of events worldwide along with the population displaced in each event. We discuss potential applications of the model and present global flood hazard and risk maps. The main value of this global flood model lies in its ability to quickly simulate realistic flood events at a resolution that is useful for large‐scale socioeconomic and financial planning, yet we expect it to be useful to climate and natural hazard scientists who are interested in socioeconomic impacts of climate.

Abstract Confluences are sites of intense turbulent mixing in fluvial systems. The large‐scale turbulent structures largely responsible for this mixing have been proposed to fall into three main classes: vertically orientated (Kelvin–Helmholtz) vortices, secondary flow helical cells and smaller, strongly coherent streamwise‐orientated vortices. Little is known concerning the prevalence and causal mechanisms of each class, their interactions with one another and their respective contributions to mixing. Historically, mixing processes have largely been interpreted through statistical moments derived from sparse pointwise flow field and passive scalar transport measurements, causing the contribution of the instantaneous flow field to be largely overlooked. To overcome the limited spatiotemporal resolution of traditional methods, herein we analyse aerial video of large‐scale turbulent structures made visible by turbidity gradients present along the mixing interface of a mesoscale confluence and complement our findings with eddy‐resolved numerical modelling. The fast, shallow main channel (Mitis) separates over the crest of the scour hole's avalanche face prior to colliding with the slow, deep tributary (Neigette), resulting in a streamwise‐orientated separation cell in the lee of the avalanche face. Nascent large‐scale Kelvin–Helmholtz instabilities form along the collision zone and expand as the high‐momentum, separated near‐surface flow of the Mitis pushes into them. Simultaneously, the strong downwelling of the Mitis is accompanied by strong upwelling of the Neigette. The upwelling Neigette results in ∼50% of the Neigette's discharge crossing the mixing interface over the short collision zone. Helical cells were not observed at the confluence. However, the downwelling Mitis, upwelling Neigette and separation cell interact to generate considerable streamwise vorticity on the Mitis side of the mixing interface. This streamwise vorticity is strongly coupled to the large‐scale Kelvin–Helmholtz instabilities, which greatly enhances mixing. Comparably complex interactions between large‐scale Kelvin–Helmholtz instabilities and coherent streamwise vortices are expected at other typical asymmetric confluences exhibiting a pronounced scour hole.

Abstract Large rivers can retain a substantial amount of nitrogen (N), particularly in submerged aquatic vegetation (SAV) meadows that may act as disproportionate control points for N retention. However, the temporal variation of N retention in large rivers remains unknown since past measurements were snapshots in time. Using high‐frequency plants and NO 3 − measurements over the summers 2012–2017, we investigated how the climate variation influenced N retention in a SAV meadow (∼10 km 2 ) at the confluence zone of two agricultural tributaries entering the St. Lawrence River. Distinctive combinations of water temperature and level were recorded between years, ranging from extreme hot‐low (2012) and cold‐high (2017) summers (2°C and 1.4 m interannual range). Using an indicator of SAV biomass, we found that these extreme hot‐low and cold‐high years had reduced biomass compared to hot summers with intermediate levels. In addition, changes in main stem water levels were asynchronous with the tributary discharges that controlled NO 3 − inputs at the confluence. We estimated daily N uptake rates from a moored NO 3 − sensor and partitioned these into assimilatory and dissimilatory pathways. Measured rates were variable but among the highest reported in rivers (median 576 mg N m −2  d −1 , range 60–3,893 mg N m −2  d −1 ) and SAV biomass promoted greater proportional retention and permanent N loss through denitrification. We estimated that the SAV meadow could retain up to 0.8 kt N per year and 87% of N inputs, but this valuable ecosystem service is contingent on how climate variations modulate both N loads and SAV biomass. , Plain Language Summary Large rivers remove significant amounts of nitrogen pollution generated by humans in waste waters and from fertilizers applied to agricultural lands. Underwater meadows of aquatic plants remove nitrogen particularly well. To keep the river clean, plants use the nitrogen themselves and promote conditions where bacteria can convert this pollution into a gas typically found in air. Measuring nitrogen removal in rivers is really difficult, and we do not know how climate conditions influence this removal or plant abundance. We successfully measured nitrogen pollution removal from an underwater plant meadow in a large river over six summers. We found that plant abundance and river nitrogen inputs were critical to determine how much pollution was removed, and that these were controlled by climatic conditions. Plant abundance was controlled by both water temperatures and levels. When water was warm and levels were neither too high nor too low, conditions were perfect for lots of plants to grow, which mainly stimulated bacteria that permanently eliminated nitrogen. We showed that the amount of nitrogen pollution removed over the summer by the meadow changes with climatic conditions but in general represents the amount produced by a city of half a million people. , Key Points Nitrogen retention and biomass were measured at a high resolution over six summers in a submerged aquatic vegetation meadow of a large river Among the highest riverine, nitrate uptake rates were recorded, and 47%–87% of loads were retained with plants favoring denitrification Interannual climate variations influenced nitrate retention by altering water levels, temperature, plant biomass, and tributary nitrate load

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.

Small differences in the densities of a river confluence's tributaries (i.e. 0.5 kg m $^{-3}$ ) have been proposed to cause coherent streamwise-oriented vortices (SOVs) in its mixing interface. These secondary flow structures are thought to result from density-driven gravity currents being laterally confined between the converging flows. However, empirical evidence for density SOVs and the confined gravity current mechanism is lacking. To this end, experiments are carried out in a laboratory confluence permitting a spectrum of thermal density differences between its tributaries. Particle image velocimetry and laser-induced fluorescence are used simultaneously to study the mixing interface's dynamics. The sensitivity of the mixing interface's secondary flow structure to the confluence's momentum ratio and the magnitude of the density difference is evaluated. Density SOVs are confirmed in the mixing interface and are caused by the gravity currents being confined laterally as the opposing flows merge and accelerate downstream. The SOVs are largest and most coherent when the momentum of the dense channel is greater than that of the light channel. The dynamics of these secondary flow structures is strongly coupled to periodic vertically orientated Kelvin–Helmholtz instabilities. The striking similarities between the empirically reproduced SOVs herein and those recently observed at the Coaticook-Massawippi confluence (Quebec, Canada), despite a two-order magnitude difference in physical scale, suggest density SOVs are a scale-independent flow structure at confluences when specific, yet relatively common, hydraulic and density conditions align.

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.

Abstract Integrating hydrogeomorphological (HGM) principles into the restoration of degraded rivers can achieve sustainable results and provide various human benefits. HGM principles mainly involve understanding the context and processes that shape a fluvial system before any intervention, in order to support its dynamism and to align with its potential functioning and uses. Despite recent management approaches inspired by HGM principles, most restoration projects carried out in Quebec (Canada) are not process‐based and target specific one‐dimensional objectives. Although there is an overall lack of post‐project monitoring, several projects appear to have failed or had mixed success. This research aims to shed light on the diversity of societal drivers behind river restoration projects and to examine how they influence the integration of HGM principles and human benefits. Four restoration projects were characterized through participant observation and interviews with the organizations running them. Representatives of two ministries involved in river restoration and management were also interviewed. The results show that projects were mainly shaped by public acceptance disregarding HGM principles, which can lead to poorly‐informed action. Project funding and stakeholders' expertise have also challenged project implementation and played a key role in defining their objectives. The addition of these components improve the current analytical frameworks for identifying river restoration objectives. Depending on specific sociocultural, political and legislative contexts, funding programs and stakeholders' expertise may either facilitate or restrict the integration of HGM principles and human benefits in the projects. Recognizing these key drivers reframes river restoration as a fundamentally social activity and enlightens how they could impel innovative approaches towards more sustainable results.

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.

Dans le bassin-versant de la rivière Chaudière, les inondations sont partie intégrante de la réalité territoriale. En effet, de nombreuses études ont été réalisées dans les dernières années concernant les inondations en eau libre et par embâcle. Néanmoins, on observe que les inondations torrentielles, ou crues torrentielles, bien qu’omniprésentes dans la région, sont très peu documentées à ce jour. Le présent mémoire s’intéresse à la dynamique spatio-temporelle de ces évènements et aux facteurs aggravants présents sur le territoire qui tendent à amplifier le phénomène. Par une double approche qualitative et quantitative, qui combine une recension historique, la caractérisation des sous-bassins-versants et la modélisation des facteurs de vulnérabilité environnementale, nous avons dressé un premier portrait de l’aléa torrentiel à l’échelle du bassin-versant de la rivière Chaudière. Ainsi, nous avons pu répertorier 53 évènements à caractère torrentiel pour la période de 1900 à aujourd’hui. La collecte des informations liées aux crues torrentielles, soit les facteurs météorologiques, anthropiques et géomorphologiques ont permis d’établir des constats généraux quant à l’occurrence de celles-ci. L’occurrence des évènements à caractère torrentiel semble premièrement liée aux passages d’évènements météorologiques extrêmes. Les facteurs aggravants consistent en un aménagement du territoire qui accroît le ruissellement (augmentation des surfaces minéralisées et diminution des forêts, prairies et milieux humides) et une disposition géomorphologique des tributaires (forte pente et compacité) qui provoque une amplification du ruissellement lors de fortes précipitations. L’analyse multicritère repose sur l’addition d’indices amplifiant le ruissellement lors de fortes précipitations (pente, occupation du sol et potentiel de ruissellement). La comparaison entre les sous-bassins-versants présentant les valeurs les plus élevées et ceux ayant connu le plus d'événements d'inondation selon la recension historique a démontré la pertinence de cette méthode pour identifier, de manière préliminaire, les sous-bassins-versants potentiellement vulnérables à l’aléa torrentiel. Cette étude se veut donc un premier jalon dans l’acquisition de connaissances sur la dynamique torrentielle dans le bassin-versant de la rivière Chaudière. _____________________________________________________________________________ MOTS-CLÉS DE L’AUTEUR : inondation, torrents, crues torrentielles, pluies torrentielles, aléas torrentiels, bassin-versant de la rivière Chaudière, facteurs aggravants, conditions hydrométéorologiques

This study is focused on social cognitive variables that motivate information seeking and information sharing related to Hurricane Harvey. Survey results from a nationally representative sample and a quota sample of Houston residents indicate that climate change beliefs and issue salience are consistent predictors of risk perception, which increases individuals’ negative emotions and information insufficiency. This need for information subsequently motivates information seeking and information sharing. Informational subjective norms are significantly related to seeking and sharing in the Houston sample, whereas perceived information gathering capacity and trust in media are significant predictors in the national sample.

Abstract Public communication about drought and water availability risks poses challenges to a potentially disinterested public. Water management professionals, though, have a responsibility to work with the public to engage in communication about water and environmental risks. Because limited research in water management examines organizational communication practices and perceptions, insights into research and practice can be gained through investigation of current applications of these risk communication efforts. Guided by the CAUSE model, which explains common goals in communicating risk information to the public (e.g., creating Confidence, generating Awareness, enhancing Understanding, gaining Satisfaction, and motivating Enactment), semistructured interviews of professionals ( N = 25) employed by Texas groundwater conservation districts were conducted. The interviews examined how CAUSE model considerations factor in to communication about drought and water availability risks. These data suggest that many work to build constituents’ confidence in their districts. Although audiences and constituents living in drought‐prone areas were reported as being engaged with water availability risks and solutions, many district officials noted constituents’ lack of perceived risk and engagement. Some managers also indicated that public understanding was a secondary concern of their primary responsibilities and that the public often seemed apathetic about technical details related to water conservation risks. Overall, results suggest complicated dynamics between officials and the public regarding information access and motivation. The article also outlines extensions of the CAUSE model and implications for improving public communication about drought and water availability risks.