Put an Insurance Review on Your Hurricane Prep To-do List
Jeanne M. Salvatore
Senior Vice President and Chief Communications Officer, Insurance Information Institute
@JeanneSalvatore / @iiiorg
Most people don’t put insurance on their hurricane preparedness checklist. But they should! Having the right amount and type of insurance is a crucial component of disaster preparedness. And the good news is that it only takes one simple step – a call to your insurance professional.
Making sure you understand all your insurance options and updating insurance coverage should be as routine as an annual physical. Think of it as a way to maintain a healthy financial future if a natural disaster were to strike.
Prior to a conversation with your insurance professional, take a few minutes to write down all of your insurance questions. Or even better, pull out and read your current insurance policy. This is bound to lead you to more questions, and that’s a good thing.
An important partner in hurricane preparedness is an insurance agent or company representative who is willing to answer all of your questions and clearly explain what is covered and what is not. If he or she can’t answer questions to your satisfaction, find another insurance professional. Insurance is a very competitive business, and there are many insurers who would like to deliver top-notch service to you and your family.
Know which disasters are covered in a homeowners policy and which are not. Wind damage is covered, no matter if the cause is a tornado, catastrophic hurricane or just a summer storm. When a wind blows, it is going to be covered by standard home and business insurance policies. Keep in mind that in most coastal states there is both a standard deductible and a hurricane deductible. The former is a flat dollar amount, such as $1,000, while the latter is typically a percentage of the insured value of your home.
The one big hurricane-related disaster that is not covered by standard policies is flooding. Fortunately, flood insurance is available from the National Flood Insurance Program (NFIP) and from a few private insurance companies.
Did you know that 90 percent of all natural disasters involve some form of flooding? That is reason enough for everyone to consider flood insurance. And don’t be lulled into the false notion that only areas bordering large bodies of water get flooded. Floods can occur wherever it rains, and at least 20 percent of flood claims are paid to people who live in low- to moderate-risk flood zones. In general, the lower your flood risk, the less you pay for protection. Learn more about your risk of flooding and the estimated cost of an NFIP flood insurance policy by going to www.floodsmart.gov.
I always remind people that in addition to the right kind of coverage, they also need the right amount of insurance. What that means is having enough insurance to completely rebuild your home and replace all its contents. Rebuilding costs are often a lot higher than a home’s real estate or market value, because the costs of building materials and labor continue to rise.
Be smart. Be ready. Ask questions. Give yourself confidence that your insurance is up to date and ready to protect your financial future – before hurricane season starts. For more information on insurance, visit the Insurance Information Institute’s website at www.iii.org.
Do You Know Your Zone?
Hurricane season is almost here. The season officially starts June 1 and ends November 30. During these six months, forecasters watch hurricanes as they develop offshore. While we may see a hurricane coming, we won’t know the exact impact it will have on every community until it makes landfall. To ensure the safety of you and your family, don’t wait until it’s too late to prepare; find out your hurricane evacuation zone today.
It only takes one hurricane to change your life and your community. Now is the time to prepare. When a hurricane hits, it can bring high winds, heavy rainfall, storm surges, coastal and inland flooding, rip currents, and even tornadoes as part of a destructive, hard-hitting package. That’s why if you live in an area where hurricanes are a threat, you need to know where you’d go before the danger arrives and makes evacuation impossible.
Remember these key tips when it comes to hurricane preparedness:
Know your evacuation zone. Evacuations are more common than people realize. Many communities have designated evacuation routes and evacuation zones. Make yourself familiar with these evacuation zones, so if your local authorities issue an evacuation order, you’ll know if you need to leave. It’s also a good idea to know where you’d go if told to evacuate. Be sure to account for your pets, as most local shelters do not permit them. However, by law, public shelters do accept service animals. Remember: if a hurricane threatens your community and local officials say it’s time to evacuate, don’t hesitate — go as soon as you can.
Complete a family communication plan. Plan how you will assemble your family and loved ones, and anticipate where you will go depending on the situation. Choose several destinations in different directions so you have options in an emergency, and know the evacuation routes to get to those destinations. Get together with your family and agree on the ways to contact one another in an emergency, identify meeting locations, and make a Family Emergency Communication Plan.
Sign up for local alerts on your phone. Sign up now so you can stay aware if a storm threatens. Visit https://www.ready.gov/alerts and learn how to search for local alerts and weather apps that are relevant for hazards that affect your area. Download the FEMA app for disaster resources, weather alerts, and safety tips. Earlier this month, FEMA launched a new feature to its free smartphone app that will enable users to receive push notifications to their devices to remind them to take important steps to prepare their homes and families for disasters. The app also provides a customizable checklist of emergency supplies, maps of open shelters and open recovery centers, tips on how to survive natural and manmade disasters, and weather alerts from the National Weather Service for up to five locations across the nation.
Make sure your insurance policies are up to date. Hurricanes have caused eight of the ten costliest disasters in U.S. history, and strong winds or just a few inches of water can cause tens of thousands of dollars in damage to a typical home. Many states have increased deductibles for hurricanes, and not all hurricane-related losses are covered under traditional policies. Also, most homeowner’s insurance policies do not cover damage from flooding. Flood insurance ensures that consumers have adequate financial protection against the devastating effects of flooding, without having to rely on post-disaster loans (usually paid back with interest) or emergency assistance. If you have insurance, review your policy, ensure you’re adequately covered and understand any exclusions, and contact your agent for any needed changes. If you’re not insured against flooding, talk to your agent or visit floodsmart.gov. If you’re not a homeowner, renters insurance policies are also available and should be considered as they’re often low-cost methods of protecting your belongings.
Get prepared now and know what you’re going to do in the event of a hurricane. Planning ahead gives you more options and better control over situations that could become chaotic at the last moment if you’re not ready. To learn more about how to prepare for a hurricane visit ready.gov/hurricanes. Find out about preparedness drills or exercises in your area at ready.gov/prepare.
“It’ll Never Happen to Me”: Getting Past Barriers to Determining Your Hurricane Risk
Dr. Rick Knabb
Former Director, National Hurricane Center
“I’ve lived here for decades, and we’ve never had a hurricane. I figure I’m good.”
“We got hit last year, so this year it’ll be someone else’s turn.”
“I don’t want to evacuate and do all of those other things unless I know for sure it’s going to hit here.”
“I’m staying for a cat 1 or 2, and maybe a 3, but a 4 or 5? I’m outta here!”
“I just hope we don’t get hit this year.”
“It’ll never happen to me.”
These are actual statements people have made to me during my travels around the country over the years. Many of you have probably heard similar things. These are the “before” statements. What do people often say after they’ve actually been hit hard by a hurricane or other weather disaster? You know how it goes…
“In all the years I’ve lived here, I’ve never seen it like this.”
“No one told me it could be this bad.”
And this one really hurts to hear:
“I don’t have enough insurance. I’ve lost nearly everything.”
So many of us seem to be willing to take the gamble, do little or nothing, and hope that a hurricane doesn’t affect us where we live – even though we generally understand that we could lose a lot if a hurricane does come our way. Simply hoping that a hurricane doesn’t strike this year puts us in a weak position, even though we all want our families, homes, businesses and communities to be strong.
The first step for all of us to get past these initial mental barriers is to fully realize all of the hurricane risks we face. Your specific risks depend a lot on exactly where you live, but let’s get a few basics out of the way. Hurricanes are not just coastal events. Damaging and deadly winds, tornadoes, and rain-induced flooding can occur hundreds of miles from the coast and days after landfall. Even storm surges that affect coastal regions can go a lot farther inland – several miles in many locations – than many people realize. Too many unwary swimmers, surfers, and boaters have lost their lives from rip currents and waves near the coast from tropical cyclones that remain well offshore. In the United States over the past half century, nearly 90% of the direct deaths – those attributable to the forces of the storms –have been caused by water, with storm surge taking about half of these lives. Although winds can certainly be damaging and deadly, we must not underestimate how heavy, powerful, damaging, and deadly water can be when determining our hurricane risk.
Some topics get a lot of attention but can actually distract us from properly assessing our hurricane risk, and from taking the right steps to confront it. We hear a lot about what the various seasonal hurricane forecasts say, what El Nino is doing, or how long it’s been since the last hurricane hit our town, or our state, or our country. But none of these things tell you anything helpful about whether you’re going to get up close and personal with a hurricane this year. No one can tell you that months in advance; the five-day forecasts are challenging enough (remember Erika and Joaquin from just last year?). We make it a point to remind folks how little relationship there is between local impacts and seasonal activity; 1992 is the classic example, a “quiet” season with only one major hurricane. Yet that one was Andrew, which struck South Florida at category five intensity. The bottom line is that it only takes one hurricane or tropical storm to make it a bad year for you, and we need to prepare the same way every year for hurricane season, regardless of whatever expectations might be floating about for the season overall.
That’s the logical way to look at preparedness, but it can be even more motivating to consider the emotional aspects of getting ready for a hurricane. How my family and I contend with our risk from hurricanes (or other perils) is a very personal and emotional topic, and I suspect that if you think about it for any length of time, it would be for you as well. The emotional response from envisioning my family and home experiencing a hurricane is a great incentive for me to take steps now to get us ready in advance – long before an actual hurricane is on our doorstep.
I don’t just think about going through the storm itself – I also plan for the potentially nasty, dangerous, and lengthy aftermath. How would I feel if, for example, my home was severely damaged by wind, water, or both – and I didn’t have enough insurance to rebuild the home and replace its contents? How much longer would it take for our lives together to get back to “normal”? What would it do to our family’s financial future to try to recover without enough insurance? This is why we are visiting our insurance agent this month for an annual checkup. Whether you rent or own, live coastal or inland, visit your insurance agent and ask lots of questions to make sure you’re adequately covered. Don’t forget flood insurance, which must be obtained separately because it is not included in standard insurance policies. Along with promising yourself to never drive your car on a water-covered road (Turn Around Don’t Drown!), getting flood insurance is one of the best ways to deal in advance with your risk of inland flooding. Inland flood risk varies by location, but a good starting point is to know that for nearly all of us, if it can rain where you live it can flood where you live. Those who live close enough to the coast to be vulnerable to storm surge have that additional reason to get flood insurance. Update your insurance now, because waiting periods make it difficult or impossible to put new coverage in place when a hurricane is actually out there and you suddenly feel the urge to visit your agent.
The reason I go shopping for disaster supplies before every hurricane season is because the alternatives are extremely unpleasant at best and dangerous or catastrophic at worst. How would I feel if a hurricane was approaching and I decided to go shopping for those supplies at the very same time it dawned on everyone else who hadn’t stocked up in advance? I’d wait in horribly long lines for things my family desperately needs, but in many cases I’d find that stores were out of those items by the time I got there. The possibility of being isolated from emergency responders for days after the storm, with power out, stores closed, and no supplies is pretty frightening. I’ll be posting another blog entry later this week about what’s in my disaster supply kit.
My neighbors might think I’m strange, but they’ll soon see me testing my window shutters to make sure I can properly put them in place. It’s been a while since we’ve had to put them up for a real hurricane threat. But far better to make sure all is in order now, than risk having to tell my wife when a hurricane warning goes up that I can’t protect our home from the debris that might soon be flying around our neighborhood in hurricane-force winds.
There are so many ways that each one of us might identify things – some of them relatively simple and inexpensive – that we can do to make our home stronger before the next hurricane strikes. In addition, when you talk to your insurance agent, ask about what discounts you could get on your premium for making some improvements to your home that might not be as expensive as you expected and that might pay for themselves over time.
Those are just some of the actions I’m taking before hurricane season starts, and these are good topics for a national conversation. Today is the first day of National Hurricane Preparedness Week here in the United States, and for the first time the week coincides with the Hurricane Awareness Tour that this year visits Gulf Coast states. The week truly promises to be bigger, better, and more effective than ever before at helping us all get ready for hurricane season. This will be the second year in a row that we bring to each stop two different types of aircraft that are critical components of our hurricane monitoring and forecasting arsenal – a U. S. Air Force WC-130J from Keesler AFB in Biloxi, Mississippi, and the NOAA G-IV jet stationed at MacDill AFB in Tampa, Florida. In addition, several organizations that have already indicated their partnership with NOAA and the National Weather Service by becoming Weather-Ready Nation Ambassadors will now spring into action in the tour stop cities or in many other locations to promote hurricane preparedness and resilience.
We hope that this tour and other preparedness week activities leave you with a greater confidence in your government at all levels, knowing that federal, state, and local officials are devoting extensive resources to plan together in advance for the next hurricane. On display this week are some of the most advanced technologies and communications tools available to help us issue the most effective hurricane forecasts and warnings, in support of evacuation and other decisions by emergency managers and to promote communication of a consistent message by our media partners.
This post is the first in a series of daily Inside the Eye blog entries that will focus on a chosen theme of the day. Some of the articles have been written by prominent experts from the emergency management community and from our nonprofit partners, and we thank them for their contributions. Later this week we will focus individual days and blog posts more thoroughly on the topics of getting an insurance check-up, stocking up on disaster supplies, and strengthening your home. We will also close out the week by talking about identifying trusted sources of information and then putting it all together in a written hurricane plan for yourself, your family, and, if applicable, your business.
We will first focus tomorrow on planning for evacuation, which is how we can most easily determine and respond to our risk of storm surge. That’s the place to start if you’re feeling overwhelmed by everything involved in hurricane preparedness. The topics of insurance, supplies, and stronger homes have a lot to do with not only safety but also recovering more quickly and fully after the storm. But it’s hard to be resilient if you’re dead, and evacuations are called beforehand by emergency managers to save lives in large numbers, primarily from storm surge that has historically caused more fatalities than any other hurricane hazard. FEMA Administrator Craig Fugate is the author of our guest blog post on this topic, so I invite you back into this space tomorrow to hear it straight from the top of the emergency management community.
I’ll just hit the high points for the moment about evacuation planning. Find out today if you live in a hurricane evacuation zone, by contacting your local emergency management agency. Don’t assume that this is only a problem for people with beachfront property. In many coastal states, the risk of storm surge extends several miles inland in some locations. If you do live in one of these zones, decide today where you’d go and how you’d get there in a real hurricane event if told to evacuate by local emergency managers. Then, when that hurricane actually threatens and those officials instruct you to evacuate, you go! And here is my plea if you live far enough inland that you find out you don’t live in a hurricane evacuation zone: identify today someone you care about that does live in an evacuation zone, and you work it out to be their inland evacuation destination. Those of you who live in a mobile home (or any other structure that is not safe from strong winds) should not plan to host evacuees, as there is a very good chance that emergency managers will also tell you to evacuate to safer shelter.
So let’s go! Let’s go dedicate ourselves to being #HurricaneStrong as our friends from the nonprofit Federal Alliance for Safe Homes (FLASH) are encouraging us to do. You’ll see and hear a lot about that initiative this week, as it focuses on the same themes we’re talking about during National Hurricane Preparedness Week. It’s about realizing that we help decide our own outcome from the next hurricane, and then helping one another to flex our collective muscles and take action now, well in advance. We can’t just let that hurricane decide what happens to us while we sit on the sidelines. Our businesses, homes, families, and friends are worth the effort, and we simply owe it to ourselves. It’s just as personal for you as it is for me.
“If you want to understand today, you have to search yesterday.” ~ Pearl S. Buck
One of the lesser-known but important functions of the NHC is to maintain a historical hurricane database that supports a wide variety of uses in the research community, private sector, and the general public. This database, known as HURDAT (short for HURricane DATabase), documents the life cycle of each known tropical or subtropical cyclone. In the Atlantic basin, this dataset extends back to 1851; in the eastern North Pacific, the records start in 1949. The HURDAT includes 6-hourly estimates of position, intensity, cyclone type (i.e,, whether the system was tropical, subtropical, or extratropical), and in recent years also includes estimates of cyclone size. Currently, after each hurricane season ends, a post-analysis of the season’s cyclones is conducted by NHC, and the results are added to the database. The Atlantic dataset was created in the mid-1960s, originally in support of the space program to study the climatological impacts of tropical cyclones at Kennedy Space Center. It became obvious a couple of decades ago, however, that the HURDAT needed to be revised because it was incomplete, contained significant errors, or did not reflect the latest scientific understanding regarding the interpretation of past data. Charlie Neumann, a former NHC employee, documented many of these problems and obtained a grant to address them under a program eventually called the Atlantic Hurricane Database Re-analysis Project. Chris Landsea, then employed by the NOAA Hurricane Research Division (HRD) and now currently the Science and Operations Officer at the NHC, has served as the lead scientist and program manager of the Re-analysis Project since the late 1990s.
In response to the re-analysis effort, NHC established the Best Track Change Committee (BTCC) in 1999 to review proposed changes to the HURDAT (whether originating from the Re-analysis Project or elsewhere) to ensure a scientifically sound tropical cyclone database. The committee currently consists of six NOAA scientists, four of whom work for the NHC and two who do not (currently, one is from HRD and the other is from the Weather Prediction Center).
Over the past two decades, Landsea, researchers Andrew Hagen and Sandy Delgado, and some local meteorology students have systematically searched for and compiled any available data related to each known storm in past hurricane seasons. This compilation also includes systems not in the HURDAT that could potentially be classified as tropical cyclones. The data are carefully examined using standardized analysis techniques, and a best track is developed for each system, many of which would be different from the existing tracks in the original dataset. Typically, a season’s worth of proposed revised or new tracks is submitted for review by the BTCC. Fig. 1 provides an example set of data that helped the BTCC identify a previously unknown tropical storm in 1955.
The BTCC members review the suggested changes submitted by the Re-analysis Project, noting areas of agreement and proposed changes requiring additional data or clarification. The committee chairman, Dr. Jack Beven, then assembles the comments into a formal reply from the BTCC to the Re-analysis Project. Occasionally, the committee’s analysis is presented along with any relevant documentation that would help Landsea and his group of re-analyzers account for the differing interpretation. The vast majority of the suggested changes to HURDAT are accepted by the BTCC. In cases where the proposed changes are not accepted, the BTCC and members of the Re-Analysis Project attempt to resolve any disagreements, with the BTCC having final say.
In the early days of the Re-analysis Project, the amount of data available for any given tropical cyclone or even a single season was quite small, and so were the number of suggested changes. This allowed the re-analysis of HURDAT to progress relatively quickly. However, since the project has reached the aircraft reconnaissance era (post 1944), the amount of data and the corresponding complexity of the analyses have rapidly increased, which has slowed the project’s progress during the last couple of years.
The BTCC’s approved changes have been significant. On average, the BTCC has approved the addition of one to two new storms per season. One of the most highly visible changes was made 14 years ago, when the committee approved Hurricane Andrew’s upgrade from a category 4 to a category 5 hurricane. This decision was made on the basis of (then) new research regarding the relationship between flight-level and surface winds from data gathered by reconnaissance aircraft using dropsondes.
The figures below show the revisions made to the best tracks of the 1936 hurricane season, and give a flavor of the type, significance, and number of changes being made as part of the re-analysis. More recent results from the BTCC include the re-analysis of the New England 1938 hurricane, which reaffirmed its major hurricane status in New England from a careful analysis of surface observations. Hurricane Diane in 1955, which brought tremendous destruction to parts of the Mid-Atlantic states due to its flooding rains, was judged to be a tropical storm at landfall after re-analysis. Also of note is the re-analysis of Hurricane Camille in 1969, one of three category 5 hurricanes to have struck the United States in the historical record. The re-analysis confirmed that Camille was indeed a category 5 hurricane, but revealed fluctuations in its intensity prior to its landfall in Mississippi that were not previously documented.
The most recent activity of the BTCC was an examination of the landfall of the Great Manzanillo Hurricane of 1959. It was originally designated as a category 5 hurricane landfall in HURDAT and was the strongest landfalling hurricane on record for the Pacific coast of Mexico. A re-analysis of ship and previously undiscovered land data, however, revealed that the landfall intensity was significantly lower (140 mph). Thus, 2015’s Hurricane Patricia is now the strongest landfalling hurricane on record for the Pacific coast of Mexico, with an intensity of 150 mph.
The BTCC is currently examining data from the late 1950s and hopes to have the 1956-1960 re-analysis released before next hurricane season. This analysis will include fresh looks at Hurricane Audrey in 1957 and Hurricane Donna in 1960, both of which were classified as category 4 hurricane landfalls in the United States. As the re-analysis progresses into the 1960s, the committee will be tackling the tricky issue of how to incorporate satellite images into the re-analysis, including satellite imagery’s irregular frequency and quality during that decade. The long-term plan is to extend the re-analysis until about the year 2000, when current operational practices for estimating tropical cyclone intensity became established using GPS dropsonde data and flight-level wind reduction techniques.
For more reading on this topic:
- Atlantic hurricane database reanalysis website – http://www.aoml.noaa.gov/hrd/data_sub/re_anal.html
- Documentation about the HURDAT database format – http://www.aoml.noaa.gov/hrd/Landsea/landsea-franklin-mwr2013.pdf
— Todd Kimberlain and Eric Blake
Last weekend’s blizzard along the East Coast of the United States caused significant flooding along the coasts of Maryland, Delaware, New Jersey, and New York. Even though this system was not a tropical cyclone, the mechanics of storm surge flooding are essentially the same whether the cause is a hurricane or extratropical storm. The blizzard provides us an excellent opportunity to delve into the topic of vertical datums, which we promised to tackle in a previous blog post anyway!
You Say MLLW, I say MHHW (and undoubtedly someone else says NAVD88)
Simply put, a vertical datum is a reference level. Whenever you talk about water levels related to tides or storm surge, that water level needs to be referenced to some datum to provide essential context. For example, a water surface 2 feet above the floor means something very different than a water surface 2 feet above the roof.
There are many vertical datums out there. Some are based on tide levels (tidal datums), while some are based on the general shape of the Earth (geodetic datums). Savvy and more technical experts generally use geodetic datums such as the North American Vertical Datum of 1988 (NAVD88) because they’re more precise and applicable to a large area, such as an entire continent. For most of us, however, we see water levels referenced to tidal datums such as Mean Lower Low Water (MLLW) or Mean Higher High Water (MHHW).
Some locations along the coast have two high tides and two low tides per day (e.g., the U.S. East Coast), while some areas only have one high tide and one low tide per day (e.g., the U.S. Gulf Coast). Mean Lower Low Water (MLLW) is simply the lowest of the two low tides per day (or the one low tide) averaged over a 19-year period. This 19-year period is called the National Tidal Datum Epoch, which currently runs from 1983 through 2001. So to calculate MLLW for a particular tide station, the National Ocean Service (NOS) took the levels of all the lowest low tides from 1983 to 2001 and averaged them. Similarly, NOS calculates Mean Higher High Water (MHHW) by averaging the highest of the two high tides per day (or the one high tide) over the same 19-year period.
Historically, MLLW has been used for navigational purposes in the marine waters of the United States and its territories. Navigational charts from the NOAA Office of Coast Survey show water depths relative to MLLW, or how far the ocean bottom extends below the MLLW line. If boaters know the tide forecast relative to MLLW, the depth of the ocean bottom relative to MLLW, and the draft of their boat or ship (the distance between the waterline and the bottom of the hull), then they can deduce if the vessel will hit the sea floor. Since this is the most common way that tides have been referenced, the National Weather Service (NWS) has generally used MLLW as a reference for its water level forecasts, and most tide gauge data is referenced to MLLW by default. People who have lived along the same stretch of coastline for many years have become accustomed to knowing what type of coastal flooding will occur when water levels reach specific thresholds above MLLW.
But what about people who don’t know those relationships between MLLW–or any other datum for that matter–and coastal flooding (which change from location to location along the coast, by the way). For this reason, NHC has moved toward providing tropical cyclone related storm surge forecasts in terms of inundation, or how much water will be on normally dry ground. You can go here for more information on the Potential Storm Surge Flooding Map, issued by NHC when tropical cyclones are forecast to affect the East or Gulf Coasts of the United States. For the purposes of using water level observations to get an idea of how much inundation is occurring during a storm, NHC uses MHHW.
Why Does NHC Use MHHW When Looking at Water Level Observations?
To answer this question, it’s probably helpful to look at a cross-section of a typical coastline. Shown below is such a schematic, which depicts both the Mean Lower Low Water line and the Mean Higher High Water line. Anything seaward of the MLLW line is typically submerged under water. The region between the MLLW and MHHW lines is called the intertidal zone, and it is the region that is submerged at high tide and exposed at low tide. Intertidal zones include rocky shorelines, sandy beaches, or wetlands (marshes, mudflats, swamps, and mangroves). Because intertidal zones are submerged during a typical high tide, people don’t generally live here.
NHC and NOS consider anything landward of the MHHW line (marked as the supratidal zone in the graphic) as normally dry ground. Only in the most extreme high tide cycles and during storm surge or tsunami events does that region become submerged under water. Seawater that rises past the MHHW line is considered inundation, and therefore water level measurements relative to MHHW can be considered as proxies for measurements of inundation. NOS has deemed MHHW as the best approximation of the threshold at which inundation can begin to occur. While safe navigation of boats is a downward-looking problem that requires the use of MLLW, coastal flooding is an upward-looking problem that is best communicated using MHHW.
Dr. J. D. Boon, Professor Emeritus of the Virginia Institute of Marine Science, probably puts it best in his book Secrets of the Tide:
…we require the MHHW datum in order to isolate and evaluate storm surge risk
in a conservative way by removing the effect of tidal range – an independent factor
that varies from place to place.
…US nautical charts use MLLW to reference charted depths conservatively so that
a mariner will know that the water depths shown on the chart can be counted on for
safe passage even at the lowest levels of the astronomical tide…
Reversing direction and looking upward instead of downward, MHHW can be used to
conservatively reference storm tides so that coastal residents will know how much
additional rise to expect above the highest levels of the astronomical tide.
These levels are generally familiar to the waterfront resident who witnesses signs of
their presence in wrack lines, marsh vegetation zones and high water marks on
We should mention that use of other vertical datums is in no way wrong. There are some very good uses for datums such as MLLW or NAVD88, but NHC uses MHHW when referencing storm tide observations to put things into a frame of reference that is understood by the majority of people at risk for coastal flooding. If we see a water level observation of 7 feet above MHHW, there’s a pretty good chance that some location in that area is being or was inundated by as much as 7 feet of water on ground that would normally be dry. This relationship worked quite well during Hurricane Sandy in 2012. Peak water levels measured by NOS tide gauges at the Battery in Manhattan and Sandy Hook, New Jersey, were between 8 and 9 feet above MHHW, and high water marks surveyed by the US Geological Survey after the storm indeed supported inundations of 8 to 9 feet above ground level in places like Sandy Hook and Staten Island.
MHHW and the January 2016 East Coast Blizzard
Since we said the recent blizzard provides a great case for us to explain vertical datums, let’s take a look at some of the water level observations during the event and how they compared to documented flooding.
Some of the worst storm surge flooding from the event occurred in extreme southern New Jersey and Delaware. So let’s look at the area around Cape May, New Jersey. The NOS tide gauge at Cape May measured a peak water level of about 9 feet above MLLW (8.98 feet to be exact). But does that mean that residents of Cape May and surrounding communities had as much as 9 feet of water on their streets? No, it just means that the water surface got about 9 feet higher than the “imaginary” line that marks the average of the lowest of the two low tides per day.
At the Cape May gauge, the difference between MLLW and MHHW is 5.45 feet, which means that the peak water level was only about 3.53 feet above MHHW (8.98 minus 5.45). Nearby, the peak water level observation from the NOS gauge in Atlantic City, New Jersey, was 3.42 feet above MHHW. So does that mean that residents of Cape May, Atlantic City, and surrounding communities had as much as 3 to 4 feet of water on their streets? Actually, yes it does. Pictures obtained via Twitter from West Wildwood, North Wildwood, and Atlantic City appear to support an estimate of 3 to 4 feet of inundation. See below for the evidence.
Incidentally, if you’re ever watching water level observations during a storm from the NOS Center for Operational Oceanographic Products and Services (CO-OPS) website, you can choose which vertical datum you’d like to use. The default will come up as MLLW, but you can change it to MHHW (as we do at NHC) or another datum such as NAVD88 or Mean Sea Level. Alternatively, NOS CO-OPS also provides a real-time “Storm QuickLook” website during coastal flooding events, and the default vertical datum on this page is MHHW. Below is a comparison of the water level data from Lewes, Delaware, during the blizzard using MLLW (top) and MHHW (bottom) as reference levels. Notice that the curves don’t change, only the reference numbers on the left vertical axis.
And finally, if you’re ever looking at storm surge forecast guidance online, make sure you know which vertical datum you’re looking at! For example, the NWS’s Extratropical Storm Surge (ETSS) model is available on the Meteorological Development Laboratory website, and although data shown is relative to Mean Sea Level (MSL), the vertical datum can be changed to MHHW or MLLW.
— Robbie Berg
Thanks go out to Cody Fritz, Shannon Hefferan, and Jamie Rhome from the NHC Storm Surge Unit, as well as the folks over at the National Ocean Service, for their assistance in putting together this blog post.
Tropical Storm Erika, coming as it did so close to the beginning of the new college and professional football seasons, is a reminder that Monday-morning quarterbacking is nearly as popular an activity as the sport itself. And we at NHC do it too. After every storm we review our operations with an eye toward improving our products and services. Erika is no different, though there’s been more questioning and criticism than usual, with few components of the weather enterprise spared. Some in the media were accused of overinflating the threat, numerical models were bashed, and some public officials were charged with overreacting. NHC’s forecasts were questioned while others lamented that NHC’s voice wasn’t strong enough amid all the chatter. So, in the spirit of searching for a tropical storm eureka, in this blog entry we present some of our own post-storm reflections.
How good were NHC’s forecasts for Erika?
The NHC official forecast errors were larger than average. A preliminary verification shows that the average 72-hr track error for Erika was 153 n mi, about 30% larger than the 5-year average of 113 n mi. And nearly all of this error was a rightward (northward) bias – that is, Erika moved consistently to the left of the NHC forecast track. As for intensity, Erika ended up being weaker than forecast; the 72-hr intensity forecasts were off by about 20 kt on average, and the official 5-day forecasts called for a hurricane over or near Florida until as late as 2 AM Friday, when it became clear that Erika was going to have to deal with the high terrain of Hispaniola.
Why was Erika so difficult to get right?
Erika was a weak and disorganized tropical cyclone, and weak systems generally present us (and the computer simulations we consider) with tougher forecast challenges. In fact, the average 72-hr track error for all tropical depressions and weak tropical storms is around 155 n mi – just about exactly what the errors for Erika were. So the track issues weren’t really a surprise to us. Of course, knowing whether such errors were going to occur and how to reduce them in real time wasn’t obvious. If it had been obvious, we would have called an audible and changed the forecast.
What made this particular situation so challenging was wind shear, mainly due to strong upper-level westerly winds in Erika’s environment. These winds tended to displace the storm’s thunderstorms away from its low-level circulation, causing the storm to lack a coherent vertical structure. When this happens, it’s very difficult to tell just how much influence those upper-level winds will have on the storm track. Sometimes storms hold together against wind shear (Andrew of 1992 is a good example), and there were times when Erika seemed to be winning its battle. If it had held together better, it would have taken a track more to the north and ended up being a much stronger system. Obviously, it didn’t play out that way, but that was an outcome far easier to see with the benefit of hindsight.
An additional complication was Puerto Rico and Hispaniola. If Erika had been able to avoid those land masses, it would have been better able to withstand the disruptive effects of wind shear. And early on, we expected Erika to mostly avoid land. In this case, not getting the track right made it much harder to get the intensity right, which made the track forecasts harder yet.
Is there too much reliance on numerical models, and did they fail for Erika?
The improvements in track forecasting over the past few decades are directly attributable to improvements in numerical models, and to the data used to initialize them, to the point where it’s become almost impossible for a human forecaster to consistently outperform the guidance. The modelling community deserves our praise for the tremendous progress they’ve made, not criticism for missing this one. While we approach each forecast with an attempt to diagnose when and how the models might fail, it is exceedingly difficult, and it’s not something we do in our public forecasts unless our confidence is very high.
Human forecasters (including those at NHC) are still able to occasionally outperform the intensity models, mainly because satellite depictions of storm structure can often be used by forecasters more effectively than by models, giving us an edge in certain circumstances. But neither human forecasters nor the models are particularly good at anticipating when thunderstorms in the cyclone core are going to develop and how they’re going to subsequently evolve, especially for weaker cyclones like Erika.
Because the atmosphere is a “chaotic” physical system, small differences in an initial state can lead to very large differences in how that state will evolve with time. This is why the model guidance for Erika was frustratingly inconsistent – sometimes showing a strong hurricane near Florida, while at other times showing a dissipating system in the northeastern Caribbean. It’s going to take a large improvement in our ability to observe in and around the tropical cyclone core (among other things), to better forecast cases like Erika for which storm structure is so important to the ultimate outcome. But our best hope for better forecasts lies in improved modeling–a major goal of the Hurricane Forecast Improvement Program (HFIP).
Given the overall model guidance we received during Erika, it’s hard even now, well after the storm, to see making a substantially different forecast with current capabilities and limitations. In fact, had our first few advisories called for a track much farther south at a much weaker intensity, or even a forecast of dissipation due to interaction with Hispaniola, our partners and the public might rightly have questioned our rationale to go firmly against many model forecasts of a stronger system farther north.
Was the message from NHC muddled?
We think that there might be some ways for NHC to make key aspects of our message easier to find. Although NHC’s Tropical Cyclone Discussions (TCDs) repeatedly talked about the uncertainty surrounding Erika’s future beyond the Caribbean, including the possibility that the cyclone could dissipate before reaching Florida, it does not appear that this was a prominent part of the media’s message to Florida residents. Making key “talking points” more distinctly visible in the TCD and the Public Advisory are options we are considering, as well as enhanced use of NHC’s Twitter and Facebook accounts. Having said that, consumers and especially re-packagers of tropical cyclone forecast information, like our media partners, should take some responsibility for making use of the information that is already available. We also invite our media partners to take more advantage of the numerous training sessions we offer, mostly during the hurricane offseason. Reaching anyone in the television industry with such training, except for on-camera meteorologists, has proven over the years to be very difficult. We would like to train more reporters, producers, news department staff, executives, etc. so they are more sensitized to forecast uncertainty and how to communicate it with the help of our products, but we realize that a more focused “talking points” approach as described above will probably be needed to assist these busy folks in conveying a consistent message.
An NHC advisory package contains a variety of products, each geared to providing a certain kind of information or to serving a particular set of users. Some of our media partners have expressed concerns over the increasing number of NHC products, but the various wind and water hazards posed by a tropical cyclone cannot be boiled down to one graphic, one scale, or one index. We are, in fact, still in the process of intentionally expanding our product and warning suite to focus more on the individual hazards and promote a more consistent message about those hazards. Even so, two of our products that have been around for many years are still crying out for greater visibility.
We’ve already mentioned the Tropical Cyclone Discussion, a two- to four-paragraph text product that is the window into the forecaster’s thinking and provides the rationale behind the NHC official forecast. In the TCD we talk about the meteorology of the situation, indicate our level of confidence in the forecast, and when appropriate, discuss alternative scenarios to the one represented by the official forecast. Anyone whose job it is to communicate the forecast needs to make the TCD mandatory reading on every forecast cycle.
Some users may not understand the amount of uncertainty that is inherent in hurricane forecasts (although we suspect Florida residents now have a greater appreciation of it than they had two weeks ago). We need to continue to emphasize, and ask our media partners to emphasize, NHC’s Wind Speed Probability Product, available in both text and graphical form, which describes the chances of hurricane- and tropical-storm-force winds occurring at individual locations over the five-day forecast period. Someone looking at that product would have seen that at no point during Erika’s lifetime did the chance of hurricane-force winds reach even 5% at any individual location in the state of Florida, and that the chances of tropical-storm-force winds remained 50-50 or less. In addition, in some of the number crunching we did after the storm, we calculated that the chance of hurricane-force winds occurring anywhere along the coast of Florida never got above 21%.
We realize that at first it seems counterintuitive that we are forecasting a hurricane near Florida while no one in that state has even a 5% chance of experiencing hurricane-force winds. That, however, is the reality of uncertainties in 5-day forecasts, especially for weaker systems like Erika, and the wind speed probabilities reliably convey the wind risk in each community. We did notice a couple of on-air meteorologists referencing the Wind Speed Probabilities, which is great – and the more exposure this product gets, the better. We would like to work with our television partners to help them take advantage of existing ways for many of them to easily bring the wind speed probabilities into their in-house graphics display systems.
A very nice training module exists for folks interested in learning about how to use the Wind Speed Probabilities: https://www.meted.ucar.edu/training_module.php?id=1190#.VenooLQ2KfQ. You will need to register for a free COMET/MetEd account in order to access the training module.
Did Floridians over-prepare for Erika?
Anyone who went shopping for water and other supplies once they were in the five-day cone did exactly the right thing (of course, it’s much better to do that at the beginning of hurricane season!). Being in or near the five-day cone is a useful wake-up call for folks to be prepared in case watches or warnings are needed later. But as it turned out, no watches or warnings were ever issued for Florida. In fact, at the time when watches would normally have gone up for South Florida, NHC decided to wait, knowing that there was a significant chance they would never be needed – and that turned out to be the right call.
Watches (which provide ~48 hours notice of the possibility of hurricane or tropical storm conditions) and warnings (~36 hours notice that those conditions are likely) seem to be getting less attention these days, with the focus on a storm ramping up several days in advance of the first watch. While the additional heads-up is helpful, we worry about focusing in on specific potential targets or impacts that far in advance. The watch/warning process begins only 48 hours in advance because that’s the time frame when confidence in the forecast finally gets high enough to justify the sometimes costly actions that an approaching tropical cyclone requires. (Although, we recognize that some especially vulnerable areas sometimes have to begin evacuations prior to the issuance of a watch or a warning, and we and the local Weather Forecast Offices of the National Weather Service directly support emergency management partners as they make such decisions.)
What can NHC do better next time?
While we’d like to make a perfect forecast every time, we know that’s not possible. Failing that, we’re thinking about ways we can improve the visibility of our key messages, particularly those that will help users better understand forecast uncertainty. As noted above, we’re considering adding a clearly labeled list of key messages or talking points to either the TCD or the Tropical Cyclone Public Advisory, or both. We’d also like to try to make increased use of our Twitter accounts (@NHC_Atlantic, @NWSNHC, and @NHCDirector), which so far have been mostly limited to automated tweets or to more administrative or procedural topics. We’re also looking at whether the size of the cone should change as our confidence in a forecast changes (right now the cone size is only adjusted once at the beginning of each season), and thinking about ways to convey intensity uncertainty on the cone graphic. But most of all, we need to keep working to educate the media and the public about the nature of hurricane forecasts generally, and how to get the information they need to make smart decisions when storms threaten.
— James Franklin
The development of Tropical Storm Bill so close to the Texas coast, with the posting of a formal tropical storm warning only about 12 hours before winds of that intensity came ashore on Tuesday June 16th, highlighted a long-standing and well-known limitation in the tropical cyclone program of the National Weather Service (NWS). An ongoing NHC initiative to improve service for such systems is the subject of today’s blog post.
Although there’s nothing new about a tropical cyclone forming on our doorstep, what is new is an increased ability to anticipate it. NHC has greatly enhanced its forecasts of tropical cyclone formation over the past several years, introducing quantitative 48-hr genesis forecasts to the Tropical Weather Outlook in 2008, and extending those forecasts to 120 hours in 2013. In 2014, we introduced a graphic showing the locations of tropical disturbances and the areas where they could develop into a depression or storm over the subsequent five days. Thirty-six hours in advance of Bill’s formation, NHC gave the precursor disturbance a 60% chance of becoming a tropical cyclone, and increased that probability to 80% about 24 hours in advance. While nothing was guaranteed, we were pretty confident a tropical storm was going to form before the disturbance reached the coast. And although we weren’t issuing specific track forecasts for the disturbance, NHC’s new graphical Tropical Weather Outlook (example below) showed where the system was generally headed.
We wouldn’t have had such confidence 20 years ago, or even 5 years ago. And so our tropical cyclone warning system, developed over several decades, doesn’t allow for a watch or warning until a depression or storm actually forms and NHC’s advisories begin; by both policy and software, warning issuances are tied to cyclone advisories. If we had wanted to issue a tropical storm watch for Bill on the morning of Sunday the 14th (48 hours prior to landfall), or a warning that evening (36 hours ahead of landfall), we would have had to pretend that the disturbance in the Gulf of Mexico was a tropical cyclone. Even during the day on Monday, data from an Air Force Reserve Hurricane Hunter aircraft showed that the disturbance had not yet become a depression or storm.
Couldn’t NHC have called the disturbance a tropical storm anyway, in the interest of enhanced preparedness? Yes, but what if the disturbance never becomes a tropical storm – remember, even an 80% chance of formation means it won’t become a tropical storm at least once every five times. So naming it early risks the credibility of the NWS and NHC, and endangers a trust we’ve worked for decades to establish. In addition, there are legal and financial consequences to an official designation of a tropical cyclone – consequences that obligate us to call it straight. And finally, as custodians of the tropical cyclone historical record, we have a responsibility to ensure the integrity of that record.
When systems that have the potential to become tropical cyclones pose hazards to life and property, NHC’s best avenue for highlighting those hazards currently is the Tropical Weather Outlook. Ahead of Bill’s formation, the possibility of tropical storm conditions along the middle and upper Texas coast was included in the Sunday evening Outlook, and by early Monday afternoon the Outlooks were saying those conditions were likely. Products issued by NWS local forecast offices (WFOs) carried similar statements.
Although most folks seemed to have gotten the message that a tropical storm was coming, it’s widely thought that the Tropical Weather Outlook and local WFO products don’t carry the visibility and weight of an NHC warning, or of an NHC advisory package with its attendant graphics. In addition, some institutions have preparedness plans that are tied to the presence of warnings. We agree that warnings during the disturbance stage could improve community response, and we’ve been working toward that goal since 2011. In that season, NHC initiated an internal experiment in which the Hurricane Specialists prepare track and intensity forecasts for disturbances with a high likelihood of development, and use these forecasts to determine where watches and warnings would have been appropriate. These internal disturbance forecasts have had some successes and failures, but may now be good enough to make public.
With our colleagues across the NWS, we’re now working through the logistics of expanding the tropical cyclone product and warning suite to accommodate disturbances. One plan under consideration calls for NHC to produce a five-day track and intensity forecast for those disturbances having a high chance of becoming a tropical cyclone, and which pose the threat of bringing tropical-storm-force winds to land areas. The forecasts would be publicly issued through the standard NHC advisory products, including the Public Advisory, Discussion, and Wind Speed Probability Product, along with the forecast cone and the other standard graphics. These advisory packages would be issued at the normal advisory times, and continue until the threat of tropical-storm-force winds over land had diminished. If and when the disturbance became a tropical cyclone, advisory packages would simply continue.
We are still evaluating these and other options for getting tropical cyclone warnings out for potential tropical cyclones. If we do begin issuing forecasts for these systems, we know from our experimental forecasts that they won’t be as accurate as our current public forecasts for tropical cyclones are – and we’ll want to make sure users know about those uncertainties. There are many details to iron out and much technical work to do, but we’re hopeful to have this service enhancement in place for the 2017 hurricane season.