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Ramsey County | Multi-Jurisdiction Hazard Mitigation Plan 5 3.8.7 VULNERABILITY ASSESSMENT 3.8.7.1 People Flash floods and river flooding can lead to injury or loss of life. In urban areas, rapidly rising water levels can trap residents in their homes, vehicles, or other spaces, often in immediate danger and requiring rescue. The poorest residents suffer disproportionately to flood situations, especially those who have been less able to fund homeowner’s insurance to protect against flood losses. Mental health issues are experienced by people who have experience flood losses, including anxiety, fear, anger, anger, sadness and grief. 3.8.7.2 Property Homes and businesses in low-lying areas and in flood-prone areas are at significant risk of flooding and damage. It is common for these structures to suffer structural damage, water in lower levels, and loss of personal property. Facilities in these areas can also see declines in property values and increased insurance costs. Hazus runs from the 2019 plan estimate the number of households that are expected to be displaced from their homes due to the flood and the associated potential evacuation. Hazus also estimates those displaced people that may require accommodations in temporary public shelters. The model estimates 2,015 households may be displaced due to the flood. Displacement includes households evacuated from within or very near to the inundated area. Of these, the model estimates 342 people (out of a total population of 508,640) may seek temporary shelter in public shelters. Repetitive loss properties are defined as properties that have had 2 or more flood insurance claims of $1,000 or more in any rolling 10-year period. Property owners are asked to consider mitigation activities such as acquisition, relocation, or elevation, among other options. FEMA’s Repetitive Loss (RL) properties strategy is to eliminate or reduce the damage to property and the disruption to life caused by repeated flooding of the same properties. Property owners are notified of their status by FEMA. There are two repetitive loss properties in Ramsey County, both located in the City of Saint Paul. Four losses have been recorded between the two properties, with an average payment of $10,610. None are classified as “Severe Repetitive Loss” (SRL). An SRL property is defined as a residential property that is covered under an NFIP flood insurance policy and: • That has at least 4 NFIP claim payments (including building and contents) over $5,000 each, and the cumulative amount of such claims payments exceeds $20,000; or • For which at least 2 separate claims payments (building payments only) have been made with the cumulative amount of the building portion of such claims exceeding the market value of the building. • For both (a) and (b) above, at least 2 of the referenced claims must have occurred within any 10- year period and must be greater than 10 days apart. 3.8.7.3 Environment Detrimental environmental effects of flooding can include soil and bank erosion, bed erosion, siltation or landslides. It can damage vegetation and pollutants carried by flood water can impact on water quality,