Newspapers / The Shore Line (Pine … / July 1, 1999, edition 1 / Page 8
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Page 8 The Shoreline My, 1999 What Exactly is a Chances of Being Flooded 100-year Flood? Period of Time lO-yr 25-yr 50-yr 100-yr The phrase Flood Flood Flood Flood "100-year flood" has 1 year 10% 4% 2% 1% caused much confusion 10 years 65% 34% 18% 10% over the years. Many 20 years 88% 56% 33% 18% mistakenly believe that it 30 years 96% 71% 45% 26% is a flood that occurs 50 years 99% 87% 64% 39% every 100 years. However, the phrase really means a flood that has a one-percent chance of occurring in any given year. Floods are classified according to their frequency and depth. For Instance, there are 10-year, 25-year, SOyear, 100-year, and 500-year floods. Pine Knoll Shores is subject to the 100-year and 500-year floods. A 100-year flood (and 500-year flood), although less frequent than a 10- year flood, is deeper—and far more destructive. For this reason, the 100-year flood is now more commonly called the "base flood." The chart below shows the statistical chances of being flooded that a building has located in one of these higher risks flood areas over different period. Buildings located in 100-year flood area are required to have flood insurance as a condition of receiving a federally backed mortgage loan or home equity loan. Given that many mortgages have a repayment period of 30 years, buildings in areas subject to a 100-year flood have a 26% chance of experiencing that flood during the life of the loan. However, during that same period, there is only a 4% chance of a fire. So, the next time people say that they live in a 100-year floodplain, and the last 100-year flood was three years ago, and they think they don't have to worry about another flood like that for the next 97 years, use this information to explain the real meaning of a 100-year flood. Please be advised: Personal notes should remain personal. Personal notes have only been published in the Shoreline when a space happens to be vacant. Since personal notes are of a timely nature, and are not of interest to the Town as a whole, please follow etiquette and hand write and post personally.
The Shore Line (Pine Knoll Shores, N.C.)
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July 1, 1999, edition 1
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