National Flood Insurance Program The National Flood Insurance Program or
NFIP was instituted in 1968 and offers homeowners in qualifying communities an opportunity to rebuild and recover after flooding events following the decision by insurance companies to discontinue providing flood insurance. This decision was made on behalf of the private insurers after continually high and widespread flood losses. The goals of this program are to not only better protect individuals from flood, but to reduce property losses, and reduce the total amount disbursed for flood losses by the government. Only communities which have adopted and implemented mitigation policies that are compliant with or exceed federal regulations. The regulatory policies reduce risk to life and property located within floodplains. The NFIP also comprehensively mapped domestic floodplains increasing public awareness of risk. The majority of structures were constructed after the mapping was completed and risk could be assessed. To reduce the cost to these owners, which constitute roughly 25% of the total policies the rates for insurance are subsidized.
Coastal States Organization The
Coastal States Organization or COS was established in 1970 to represent 35 U.S. sub-federal governments on issues of coastal policies. CSO lobbies Congress on issues pertaining to Coastal Policy allowing states input on federal policy decisions. Funding, support, water quality, coastal hazards, and coastal zone management are the primary issues COS promotes. The strategic goals of COS are to provide information and assistance to members, evaluate and manage coastal needs, and secure long-term funding for member states initiatives.
Coastal Zone Management Act In 1972 the
Coastal Zone Management Act or CZMA works to streamline the policies that states create to a minimum federal standard for environmental protection. CZMA establishes the national policy for the development and implementation of regulatory programs for coastal land usage, which is supposed to be reflected in state legislation such as CAMA. CZMA also provides minimum building requirements to make the insurance provided through the NFIP less expensive for the government to operate by mitigating losses. Congress found that it was necessary to establish the minimum that programs should provide for. Each coastal state is required to have a program with 7 distinct parts: identifying land uses, identifying critical coastal areas, management measures, technical assistance, public participation, administrative coordination, and state coastal zone boundary modification.
The Coastal Area Management Act The Coastal Area Management Act or CAMA is a policy that was implemented by the state of North Carolina in 1974 to work in tandem with the CZMA. It creates a cooperative program between the state and local governments. The State government operates in an advisory capacity and reviews decisions made by local government planners. The goal of this legislation was to create a management system capable of preserving the coastal environment, ensure the preservation of land and water resources, balance the use of coastal resources, and establish guidelines and standards for conservation, economic development, tourism, transportation, and the protection of common law. -- Management and planning -- Due to the increasing urbanization along the coastlines, planning and management are essential to protecting the ecosystems and environment from depleting.
Coastal management is becoming implemented more because of the movement of people to the shore and the hazards that come with the territory. Some of the hazards include the movement of
barrier islands,
sea level rise,
hurricanes,
nor'easters,
earthquakes,
flooding,
erosion,
pollution and human development along the coast. The
Coastal Zone Management Act (CZMA) was created in 1972 because of the continued growth along the coast, this act introduced better management practices such as
integrated coastal zone management,
adaptive management and the use
mitigation strategies when planning. According to the Coastal Zone Management Act, the objectives are to remain balanced to "preserve, protect, develop, and where possible, to restore or enhance the resources of the nation's coastal zone". The development of the land can strongly affect the sea, for example, the engineering of structures versus non-structures and the effects of erosion along the shore.
Integrated coastal zone management Integrated coastal zone management means the integration of all aspects of the coastal zone; this includes environmentally, socially, culturally politically and economically to meet a sustainable balance all around. Sustainability is aimed at ensuring protection for the environment and human health. Coastal zones are fragile and do not do well with change, so it is important to acquire sustainable development. The integration from all views will entitle a holistic view for the best implementation and management of that country, region, and local scales. The five types of integration include integration among sectors, integration between land and water elements of the coastal zone, integration amount levels of government, integration between nations and integration among disciplines are all essential to meet the needs for implementation. Management practices include • maintaining the functional integrity of the coastal resource systems, without disrupting the environment • reducing resource-use conflicts, by making sure resources are used adequately and sustainably, • maintaining the health of the environment, which means to protect the ecosystems and natural cycle, • facilitating the progress of multisectoral development, which means allowing developers to develop within standards. These four management practices should be based on a bottom-up approach, meaning the approach starts from a local level which is more intimate to the specific environment of that area. After assessment from the local level, the state and federal input can be implemented. The bottom-up approach is key for protecting the local environments because there is a diversity of environments that have specific needs all over the world.
Adaptive management Adaptive management is another practice of development adaptation to the environment. Resources are the major factor when managing adaptively to a certain environment to accommodate all the needs of development and ecosystems. Strategies used must be flexible by either passive or active adaptive management include these key features: • Alternative decision-making (evaluating results and adjusting actions on the basis of what has been learned) • Feedback between monitoring and decisions (learning process) • Explicit characterization of system uncertainty through multi-model inference (experimentation) • Embracing risk and uncertainty as a way of building understanding (trial and error) To achieve adaptive management is testing the assumptions to achieve a desired outcome, such as trial and error, find the best-known strategy then monitoring it to adapt to the environment, and learning the outcomes of success and failures of a project.
Mitigation The purpose of
mitigation is not only to minimize the loss of property damage but minimize environmental damages due to development. To avoid impacts by not taking or limiting actions, to reduce or rectify impacts by rehabilitation or restoring the affected environments or instituting long-term maintenance operations, and compensating for impacts by replacing or providing substitute environments for resources Structural mitigation is the current solution to eroding beaches and movement of sand is the use of engineered structures along the coast have been short-lived and are only an illusion of safety to the public that result in long term damage of the coastline. Structural management deals with the use of the following: groins which are man-made solutions to
longshore current movements up and down the coast. The use of groins is efficient to some extent yet causes erosion and sand build-up further down the beaches. Bulkheads are man-made structures that help protect the homes built along the coast and other bodies of water that actually induce erosion in the long run. Jetties are structures built to protect sand movement into the inlets where boats for fishing and recreation move through. The use of nonstructural mitigation is the practice of using organic and soft structures for solutions to protect against coastal hazards. These include artificial dunes, which are used to create dunes that have been either developed on or eroded. There need to be at least two lines of dunes before any development can occur.
Beach Nourishment is a major source of nonstructural mitigation to ensure that beaches are present for the communities and for the protection of the coastline. Vegetation is a key factor when protecting from erosion, specifically for to help stabilize dune erosion. ==See also==