bookmark_borderEurope Drought: And Yes, All Fish Will Die

Water wars… coming to a town near you:
* Europe hydrogeneration is down 20% in France, down 30% in Italy, and down 50% in Spain. And, did you know solar panels are less efficient in high temperatures? There is more resistance in all power lines, too.
* Germany the Rhine water levels fall to new low making it non-navigable for ships
* France is relocating fish into tanks because the water is too warm. Thousands of other fish die due to lack of O2 — “Without rain, the river “will continue to empty. And yes, all fish will die”

Politico reports, Watts going down? Europe’s scorching summer parches hydropower.
“Record-breaking temperatures are starving hydropower plants and raising questions about how to adapt them for the future.”

The Guardian reports, Europe’s rivers run dry as scientists warn drought could be worst in 500 years.
“Crops, power plants, barge traffic, industry and fish populations devastated by parched waterways”

The Human Induced Climate Change Experiment

bookmark_borderClimate Change: A Hard Rain Is Falling

by Daniel Brouse and Sidd Mukherjee

In a vacuum, everything falling to earth accelerates at 9.8 m/s^2 (32ft/s^2) [the downward speed increases at 9.8 m/s (32 ft/s) every second.]

Rain accelerates down to earth initially at 9.8 m/s^2, but air resistance slows the drops to a constant speed called the terminal velocity which depends on the size of the drop. “When all the parameters are considered the terminal velocity of a typical raindrop is calculated to be about 9 meters per second or 20 mph. A smaller raindrop of radius 0.15 cm has a terminal velocity of about 7 meters per second or 16 mph.” (1)

Velocity is only one factor in calculating the momentum of rain. The mass of rain also factors into the momentum.
p = mv
p = momentum
m = mass
v = velocity

“Climate change can affect the intensity and frequency of precipitation. Warmer oceans increase the amount of water that evaporates into the air. When more moisture-laden air moves over land or converges into a storm system, it can produce more intense precipitation — for example, heavier rain and snowstorms.” (2)

Part of the increasing momentum is transferred to the sides and upward increasing wind turbulence, as well as updrafts.

Most of the momentum is transferred upon impact. You may notice the rain bouncing higher off the streets and sidewalks. As rain becomes more massive, it will have greater momentum when it hits the ground. Ground without groundcover will be hit harder causing more damage. The groundcover will also be hit harder causing more damage.
* Concrete and asphalt will sustain more damage.
* Solar panels and roofs will sustain more damage.
* Trees and plants will sustain more damage.
* Food crops will sustain more damage.

1. “What is the speed of falling raindrops?” Kyle Hathcox, Glenn Marsch, David Ward (2001)
2. “Climate Change Indicators: Heavy Precipitation” EPA (2021)

The Human Induced Climate Change Experiment

bookmark_borderFlorida Insurance Regulators Taking an “unprecedented” and “extraordinary” Step

The St. Lucie News Tribune reports:

Florida insurance regulators are taking an “unprecedented” and “extraordinary” step to try and prevent tens of thousands of homeowners from being forced to look for new property insurance coverage if rating agency Demotech follows through on plans to downgrade many Florida carriers.

The Florida Office of Insurance Regulation announced a plan Wednesday to provide companies that are downgraded with reinsurance coverage through state-run Citizens Property Insurance.

The dramatic decision to assume financial responsibility for a raft of struggling insurers underscores the dire circumstances Florida is facing as a large portion of its homeowners insurance market teeters on the brink of collapse.

Downgrading so many companies could wreak havoc in the state, causing big problems for homeowners and the real estate industry.

Mortgage giants Fannie Mae and Freddie Mac require borrowers to have a home insurance policy from a highly-rated company. Florida’s home insurance market is dominated by smaller companies that only get ratings from Demotech, giving the company significant sway in the industry.

“Fannie Mae and Freddie Mac each offer an exception to the financial rating requirements for an insurer that is covered by a reinsurer who assumes, by endorsement, 100 percent of the insurer’s liability for any covered loss payable, but unpaid by the insurer, by reason of insolvency,” the release states.

Gov. Ron DeSantis said Wednesday that it makes sense to use Citizens as a financial backstop for insurers, because if the companies are downgraded many of their policies would ultimately flow into Citizens – the state’s insurer of last resort.

“If the companies get downgraded and they have to shed policies those will end up going on Citizens anyway, so the exposure to Citizens is more to take on the policies than it will be to act as a reinsurer of last resort,” DeSantis said during a press conference in Tampa.

Reinsurance is insurance for insurance companies. By providing such coverage, Citizens would be on the hook to pay the claims if the downgraded insurers aren’t able to meet their financial obligations. Spiking reinsurance costs have contributed to the home insurance industry’s problems in Florida, which is heavily reliant on such coverage.

The additional reinsurance coverage comes on top of a $2 billion rescue fund approved by state lawmakers during a special session earlier this year. That fund provides reinsurance at no cost to Florida insurers. It was part of a package of reforms intended to stabilize the insurance industry.

Demotech had planned to release its ratings revisions on Tuesday, but said in a statement provided to USA TODAY Network – Florida that it is taking more time to update the ratings.

“As the current regulatory climate has become hostile and negative and we have and will expend a significant effort creating responses to third party letters, we will be taking additional time to review information and consider the issues affecting the companies operating in Florida,” the statement reads.

More articles on Flood Insurance, Rising Sea Levels and Global Warming.

bookmark_border2022 Climate Refugees in the USA

Climate change will eventually cause most American’s real estate to become worthless and uninhabitable.

“Currently, we have crossed the tipping point when human induced climate change triggers a chain reaction of feedback loops. The Earth will exceed 1.5 degrees Celsius (average global surface temperature over the surface of the earth for ten years) by the 2040’s and a societal collapse will ensue. For the most part, the Earth will be uninhabitable for humans by 2070 UNLESS immediate action is taken.” — Daniel Brouse and Sidd Mukherjee (climate scientists)

In an article entitled “A safer haven? How the Midwest can be a refuge amid climate change—if we prepare” the Detroit Business Journal reports:

In the early 21st century, global climate change is spawning a new kind of migrant to the Upper Midwest: “Climigrants” seeking refuge from the forest fires of Western states, flooding along the saltwater coasts and ever-rising temperatures causing drought in different corners of the continent.

The reason for their arrival here is as old as time: Humans reacting to a threatening change in the environment around them and seeking a more habitable place to live.

That’s because climate forecasts are grim. A new report from the National Oceanographic and Atmospheric Administration warns that the U.S. coastline will see up to a foot of sea level rise by 2050 due to climate change.

Many climigrants to the Great Lakes region would most likely come from eastern and southern coastal areas, from the drought-stricken Southwest and West, and from wildfire-vulnerable parts of California and the Pacific Northwest.

Some will leave ahead of disaster with enough resources to resettle comfortably.

Other climigrants may be devastated financially when their homes or businesses are destroyed and they lack flood or other insurance, raising social justice questions for the communities they might move to.

More on Climate Change Refugees

More on Climate Change

bookmark_borderCost of Property Insurance in Florida

Florida Politics reports in their article, As climate in Florida sets ‘new normal,’ cost of property insurance will separate haves, have-nots:

“Insurers believe that due to climate change, this is the new normal. They’re finding that catastrophic and non-catastrophic weather events are increasing in severity every year,” said Paul Handerhan, president of the Federal Association for Insurance Reform, a national nonprofit advocacy organization based in Fort Lauderdale.

The consequences of climate change not only include catastrophic — and increasingly expensive — weather such as hurricanes and wildfires, but also more everyday events such as storms that pelt residential and commercial properties with straight-line wind and hail.

The actuarially sound way to respond to the new normal is to raise rates, reduce coverage, or throw in the towel, as eight property insurance companies in Florida have done since 2018. Just this week, three others asked state insurance regulators to approve hefty rate increases — as high as 49 percent on policyholders not among the tens of thousands who recently lost coverage altogether due to non-renewals.

Over time, Handerhan said, property insurance coverage will become so expensive that only the wealthiest of the wealthy can “afford to live in paradise.”

“This market is completely,100% out of control,” said Barry Gilway, president, CEO, and executive director of Citizens, during the board of governors meeting. “It all has to do with the total collapse of the overall Florida marketplace, and that collapse continues.”

More articles on Flood Insurance, Rising Sea Levels and Global Warming.

bookmark_borderFrequency of Flash Floods

As the climate warms, the air holds more moisture. Theoretically, there is a 7% increase in atmospheric water holding capacity per degree Celsius warming. A recent study published in Nature The conterminous United States are projected to become more prone to flash floods in a high-end emissions scenario suggests extreme precipitation might be increasing even more due to changes in storm structure, storm dynamics, and large-scale weather patterns resulting in even more severe flash flooding that previously projected.

“Flash floods are largely driven by high rainfall rates in convective storms that are projected to increase in frequency and intensity in a warmer climate in the future. US floods are becoming 7.9% flashier by the end of the century assuming a high-emissions scenario. The Southwest (+10.5%) has the greatest increase in flashiness among historical flash flood hot spots, and the central US (+8.6%) is emerging as a new flash flood hot spot. Additionally, future flash flood-prone frontiers are advancing northwards.”

More articles on Flood Insurance, Rising Sea Levels and Global Warming.

bookmark_borderHomeowners Insurance and Extreme Weather Events

Homeonwers insurance is becoming more expensive or even unavailable due to the increase frequency and intensity of extreme weather events caused by climate change.

NOLA newspapers reports:
Louisiana’s homeowners insurance market straining under weight of 600,000 claims
Two active Atlantic hurricane seasons in a row have made some insurers insolvent.

It’s the latest sign of a deepening crisis taking shape once again in Louisiana, where the legacy of Hurricane Katrina and other storms still looms large. As big national insurers pulled out of coastal areas in the southeast, homeowners increasingly relied on less-regulated regional insurance providers to make them whole in case of catastrophe. Now, even some of those companies — once willing to make a risky bet — are leaving.

In Calcasieu Parish, nearly three out of every four occupied homes filed an insurance claim after Hurricane Laura, according to a Times-Picayune analysis of state and census data. One in four filed claims again less than two months later after Delta made landfall about 10 miles west of where Laura came ashore.

Failures not ‘anomalies’
The flurry of storms was too much for some insurance companies to bear. The Department of Insurance has already seized control of three firms because they could not afford to pay claims.

“I wish I could say I thought they were anomalies, but I don’t,” said Insurance Commissioner Jim Donelon. He said a fourth insurer that’s in dire financial straits will likely be placed under the care of the Louisiana Insurance Guaranty Association.

“I would say our property insurance market is in crisis,” said Jeff Albright, CEO of the Independent Insurance Agents and Brokers of Louisiana. “The sad part of it is we’re reliant on these small, thinly capitalized companies instead of having large national carriers that have lots of assets and can weather the big storms.”

Donelon said five companies have withdrawn entirely from the state and another five or six have stopped writing policies. As a result, Donelon said he expects the number of policies under Louisiana Citizens to double this year as the state launches headlong into another hurricane season.

More articles on Flood Insurance, Extreme Weather Events and Global Warming.

bookmark_borderClimate Change: Adapt or Die

United Nations Press Release — UN scientists on Monday delivered a stark warning about the impact of climate change on people and the planet, saying that ecosystem collapse, species extinction, deadly heatwaves and floods are among the “unavoidable multiple climate hazards” the world will face over the next two decades due to global warming.

UN-IPCC-Climate-Change-March-2022 PDF

Climate change: a threat to human wellbeing and health of the planet. Taking action now can secure our future

BERLIN, Feb 28 – Human-induced climate change is causing dangerous and widespread disruption in nature and affecting the lives of billions of people around the world, despite efforts to reduce the risks. People and ecosystems least able to cope are being hardest hit, said scientists in the latest Intergovernmental Panel on Climate Change (IPCC) report, released today.

“This report is a dire warning about the consequences of inaction,” said Hoesung Lee, Chair of the IPCC. “It shows that climate change is a grave and mounting threat to our wellbeing and a healthy planet. Our actions today will shape how people adapt and nature responds to increasing climate risks.”

The world faces unavoidable multiple climate hazards over the next two decades with global warming of 1.5°C (2.7°F). Even temporarily exceeding this warming level will result in additional severe impacts, some of which will be irreversible. Risks for society will increase, including to infrastructure and low-lying coastal settlements.

The Summary for Policymakers of the IPCC Working Group II report, Climate Change 2022: Impacts, Adaptation and Vulnerability was approved on Sunday, February 27 2022, by 195 member governments of the IPCC, through a virtual approval session that was held over two weeks starting on February 14.

Urgent action required to deal with increasing risks

Increased heatwaves, droughts and floods are already exceeding plants’ and animals’ tolerance thresholds, driving mass mortalities in species such as trees and corals. These weather extremes are occurring simultaneously, causing cascading impacts that are increasingly difficult to manage. They have exposed millions of people to acute food and water insecurity, especially in Africa, Asia, Central and South America, on Small Islands and in the Arctic.

To avoid mounting loss of life, biodiversity and infrastructure, ambitious, accelerated action is required to adapt to climate change, at the same time as making rapid, deep cuts in greenhouse gas emissions. So far, progress on adaptation is uneven and there are increasing gaps between action taken and what is needed to deal with the increasing risks, the new report finds. These gaps are largest among lower-income populations.

The Working Group II report is the second instalment of the IPCC’s Sixth Assessment Report (AR6), which will be completed this year.

“This report recognizes the interdependence of climate, biodiversity and people and integrates natural, social and economic sciences more strongly than earlier IPCC assessments,” said Hoesung Lee. “It emphasizes the urgency of immediate and more ambitious action to address climate risks. Half measures are no longer an option.”

Safeguarding and strengthening nature is key to securing a liveable future

There are options to adapt to a changing climate. This report provides new insights into nature’s potential not only to reduce climate risks but also to improve people’s lives.

“Healthy ecosystems are more resilient to climate change and provide life-critical services such as food and clean water”, said IPCC Working Group II Co-Chair Hans-Otto Pörtner. “By restoring degraded ecosystems and effectively and equitably conserving 30 to 50 per cent of Earth’s land, freshwater and ocean habitats, society can benefit from nature’s capacity to absorb and store carbon, and we can accelerate progress towards sustainable development, but adequate finance and political support are essential.”

Scientists point out that climate change interacts with global trends such as unsustainable use of natural resources, growing urbanization, social inequalities, losses and damages from extreme events and a pandemic, jeopardizing future development.

“Our assessment clearly shows that tackling all these different challenges involves everyone – governments, the private sector, civil society – working together to prioritize risk reduction, as well as equity and justice, in decision-making and investment,” said IPCC Working Group II Co-Chair Debra Roberts.

“In this way, different interests, values and world views can be reconciled. By bringing together scientific and technological know-how as well as Indigenous and local knowledge, solutions will be more effective. Failure to achieve climate resilient and sustainable development will result in a sub-optimal future for people and nature.”

Cities: Hotspots of impacts and risks, but also a crucial part of the solution

This report provides a detailed assessment of climate change impacts, risks and adaptation in cities, where more than half the world’s population lives. People’s health, lives and livelihoods, as well as property and critical infrastructure, including energy and transportation systems, are being increasingly adversely affected by hazards from heatwaves, storms, drought and flooding as well as slow-onset changes, including sea level rise.

“Together, growing urbanization and climate change create complex risks, especially for those cities that already experience poorly planned urban growth, high levels of poverty and unemployment, and a lack of basic services,” Debra Roberts said.

“But cities also provide opportunities for climate action – green buildings, reliable supplies of clean water and renewable energy, and sustainable transport systems that connect urban and rural areas can all lead to a more inclusive, fairer society.”

There is increasing evidence of adaptation that has caused unintended consequences, for example destroying nature, putting peoples’ lives at risk or increasing greenhouse gas emissions. This can be avoided by involving everyone in planning, attention to equity and justice, and drawing on Indigenous and local knowledge.

A narrowing window for action

Climate change is a global challenge that requires local solutions and that’s why the Working Group II contribution to the IPCC’s Sixth Assessment Report (AR6) provides extensive regional information to enable Climate Resilient Development.

The report clearly states Climate Resilient Development is already challenging at current warming levels. It will become more limited if global warming exceeds 1.5°C (2.7°F). In some regions it will be impossible if global warming exceeds 2°C (3.6°F). This key finding underlines the urgency for climate action, focusing on equity and justice. Adequate funding, technology transfer, political commitment and partnership lead to more effective climate change adaptation and emissions reductions.

“The scientific evidence is unequivocal: climate change is a threat to human wellbeing and the health of the planet. Any further delay in concerted global action will miss a brief and rapidly closing window to secure a liveable future,” said Hans-Otto Pörtner.

bookmark_borderA Foot of Sea Level Rise

The National Oceanic and Atmospheric Administration reports U.S. coastline to see up to a foot of sea level rise by 2050. That is three times the rate of the previous one hundred years.

“For businesses along the coast, knowing what to expect and how to plan for the future is critical,” said U.S. Secretary of Commerce Gina M. Raimondo. “These updated projections will help businesses, and the communities they support, understand risks and make smart investments in the years ahead.”

“This new data on sea rise is the latest reconfirmation that our climate crisis ⁠— as the President has said ⁠— is blinking ‘code red,’” said Gina McCarthy, National Climate Advisor. “We must redouble our efforts to cut the greenhouse gases that cause climate change while, at the same time, help our coastal communities become more resilient in the face of rising seas.”

“By 2050, moderate flooding ⁠— which is typically disruptive and damaging by today’s weather, sea level and infrastructure standards ⁠— is expected to occur more than 10 times as often as it does today,” said Nicole LeBoeuf, NOAA National Ocean Service Director. “These numbers mean a change from a single event every 2-5 years to multiple events each year, in some places.”

The Sea Level Rise Technical Report provides the most up-to-date sea level rise projections for all U.S. states and territories by decade for the next 100 years and beyond, based on a combination of tide gauge and satellite observations and all the model ensembles from the Sixth Assessment Report of the Intergovernmental Panel on Climate Change (IPCC). The report projects sea levels along the coastline will rise an additional 10-12 inches by 2050 with specific amounts varying regionally, mainly due to land height changes.

More articles on Flood Insurance, Extreme Weather Events, Rising Sea Levels and Global Warming

bookmark_borderExtreme Rainfall–surge Hazard Risks

by Daniel Brouse

Most climate change models forecast rising sea levels as the predominant threat of a warming climate to flood risks. Though sea level rise is of great concern, so should be extreme rainfall.

Both the sea and air temperatures are rising. Warm air can hold more moisture than cool air. Warmer sea temperatures result in more evaporation. Warmer air can hold more moisture. The increased moisture in the air moves over land causing inland deluges.

Hurricane Ida in the summer of 2021 is a good example. Because of the 85 degrees Fahrenheit Gulf of Mexico ocean temperature, Ida rapidly gained strength right before it made landfall jumping from a Category 1 to a Category 4 storm. The warm air allowed more moisture to be carried as rain. The storm was so large that it was able to pick up more moisture from the Atlantic Ocean. The ocean moisture was carried inland and dumped over places like Pennsylvania and New York. Ida caused record flood damage in parts of Pennsylvania. The Philadelphia Inquirer reported, “The remnants of Hurricane Ida destroyed or damaged hundreds of homes in Southeastern Pennsylvania and caused more than $100 million in public infrastructure damage across the state.” There were more deaths in the Northeastern USA than where the storm made landfall in Louisiana. The New York Times reported, “The remnants of Hurricane Ida caused flash flooding and a number of deaths and disrupted transit across parts of New York and New Jersey. The storm killed at least 43 people in New York, New Jersey, Pennsylvania and Connecticut and left more than 150,000 homes without power.”

The Journal Nature published the study Tropical cyclone climatology change greatly exacerbates US extreme rainfall–surge hazard examining how current models underestimate the risk of Rainfall–surge Hazard. “Tropical cyclones (TCs) are drivers of extreme rainfall and surge, but the current and future TC rainfall–surge joint hazard has not been well quantified. Using a physics-based approach to simulate TC rainfall and storm tides, we show drastic increases in the joint hazard from historical to projected future (SSP5–8.5) conditions. The frequency of joint extreme events (exceeding both hazards’ historical 100-year levels) may increase by 7–36-fold in the southern US and 30–195-fold in the Northeast by 2100. This increase in joint hazard is induced by sea-level rise and TC climatology change; the relative contribution of TC climatology change is higher than that of sea-level rise for 96% of the coast, largely due to rainfall increases. Increasing storm intensity and decreasing translation speed are the main TC change factors that cause higher rainfall and storm tides and up to 25% increase in their dependence.”

From the article Rising Temperatures Bringing Bigger Floods published in the Journal Science, “CO2 emissions have boosted risk of intense precipitation and consequent flooding. To determine how rising temperatures have altered flood risk, atmospheric scientist Pardeep Pall of the University of Oxford in the United Kingdom and his colleagues ran thousands of climate simulations. In roughly half of them, they reduced atmospheric concentrations of carbon dioxide to levels measured in the year 1900, and they adjusted ocean temperatures and the amount of Arctic sea ice—which affects high-latitude weather patterns—accordingly. In the other simulations, they modeled modern conditions. Then they compared the rainfall amounts generated in both types of simulations. Finally, they fed the rainfall values into a model that assesses the potential for flooding. In 90% of the simulations, results suggested that the flood risk in England and Wales in autumn 2000 was at least 20% higher than it would have been in 1900.”

As the Earth warms, the air will hold more moisture. More moisture-laden air moves over land and creates atmospheric rivers (Pineapple Express). The Journal EOS in the article Atmospheric Rivers Spur High-Tide Floods on U.S. West Coast said, “Atmospheric rivers are narrow bands of moisture that travel across the lower troposphere, generally at the leading edges of massive low-pressure systems. At their peak, they can carry as much water through the sky as the Amazon River does on land. They unleash intense winds and heavy rain as they surge across the Pacific Ocean, eventually making landfall on the U.S. West Coast, contributing to many high-tide flooding events.”

The atmospheric rivers also bring heavy rainfall inland causing extreme flooding. In October of 2021 NOAA said, “a convergence of storms brought more than half a foot of rain to parts of the Bay area in addition to strong winds, flash floods, and mud/landslides. They also bring the potential for heavy snow to higher elevations in the Sierra Nevada mountain range.” (Atmospheric River Hits the West Coast)

More articles on Flood Insurance, Extreme Weather Events, Rising Sea Levels and Global Warming