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ABSTRACT Flood risk management (FRM) involves planning proactively for flooding in high‐risk areas to reduce its impacts on people and property. A key challenge for governments pursuing FRM is to pinpoint assets that are highly economically exposed and vulnerable to flood hazards in order to prioritize them in policy and planning. This paper presents a novel flood risk assessment, making use of a dataset that identifies the location, dwelling type, property characteristics, and potential economic losses of Canadian residential properties. The findings reveal that the average annual costs are $1.4B, but most of the risks are concentrated in high‐risk areas. Data gaps are uncovered that justify replication through local validation studies. The results provide a novel evidence base for specific reforms in Canada's approach to FRM, with a focus on insurance that improves both implementation and effectiveness.
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Abstract The flood-prone Saint John River (SJR, Wolastoq), which lies within a drainage basin of 55 110 km 2 , flows a length of 673 km from its source in northern Maine, United States, to its mouth in southern New Brunswick, Canada. Major industries in the basin include forestry, agriculture, and hydroelectric power. During the 1991–2020 reference period, the SJR basin (SJRB) experienced major spring flood events in 2008, 2018, and 2019. As part of the Saint John River Experiment on Cold Season Storms, the objective of this research is to characterize and contrast these three major spring flood events. Given that the floods all occurred during spring, the hypothesis being tested is that rapid snowmelt alone is the dominant driver of flooding in the SJRB. There were commonalities and differences regarding the contributing factors of the three flood years. When averaged across the upper basin, they showed consistency in terms of positive winter and spring total precipitation anomalies, positive snow water equivalent anomalies, and steep increases in April cumulative runoff. Rain-on-snow events were a prominent feature of all three flood years. However, differences between flood years were also evident, including inconsistencies with respect to ice jams and high tides. Certain factors were present in only one or two of the three flood years, including positive total precipitation anomalies in spring, positive heavy liquid precipitation anomalies in spring, positive heavy solid precipitation anomalies in winter, and positive temperature anomalies in spring. The dominant factor contributing to peak water levels was rapid snowmelt.