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Flood Insurance
Flood insurance is the specific insurance coverage issued against property loss from flooding. To determine risk factors for specific properties, insurers will often refer to topographical maps that denote lowlands, floodplains and other areas that are susceptible to flooding. In the United States Nationwide, only 20 percent of American homes at risk for floods are covered by flood insurance. Most private insurers do not insure against the peril of flood due to the prevalence of adverse selection, which is the purchase of insurance by persons most affected by the specific peril of flood. In traditional insurance, insurers use the economic law of large numbers to charge a relatively small fee to large numbers of people in order to pay the claims of the small numbers of claimants who have suffered a loss. Some insurers provide privately written primary flood insurance for high-value residential properties, and for low-value and high value buildings, including through The Natural C ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Insurance
Insurance is a means of protection from financial loss in which, in exchange for a fee, a party agrees to compensate another party in the event of a certain loss, damage, or injury. It is a form of risk management, primarily used to protect against the risk of a contingent or uncertain loss. An entity which provides insurance is known as an insurer, insurance company, insurance carrier, or underwriter. A person or entity who buys insurance is known as a policyholder, while a person or entity covered under the policy is called an insured. The insurance transaction involves the policyholder assuming a guaranteed, known, and relatively small loss in the form of a payment to the insurer (a premium) in exchange for the insurer's promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms. Furthermore, it usually involves something in which the insured has an insurable interest established by o ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Hurricane Harvey Flooding And Damage (36238692044)
A tropical cyclone is a rapidly rotating storm system with a low-pressure area, a closed low-level atmospheric circulation, strong winds, and a spiral arrangement of thunderstorms that produce heavy rain and squalls. Depending on its location and strength, a tropical cyclone is called a hurricane (), typhoon (), tropical storm, cyclonic storm, tropical depression, or simply cyclone. A hurricane is a strong tropical cyclone that occurs in the Atlantic Ocean or northeastern Pacific Ocean. A typhoon is the same thing which occurs in the northwestern Pacific Ocean. In the Indian Ocean and South Pacific, comparable storms are referred to as "tropical cyclones". In modern times, on average around 80 to 90 named tropical cyclones form each year around the world, over half of which develop hurricane-force winds of or more. Tropical cyclones typically form over large bodies of relatively warm water. They derive their energy through the evaporation of water from the ocean surfa ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
2013 Alberta Floods
In the days leading up to June 19, 2013, parts of southern and central Alberta, Canada experienced heavy rainfall that triggered catastrophic flooding described by the provincial government as the worst in History of Alberta, Alberta's history. Areas along the Bow River, Bow, Elbow River, Elbow, Highwood River, Highwood, Red Deer River, Red Deer, Sheep River (Alberta), Sheep, Little Bow River, Little Bow, and South Saskatchewan River, South Saskatchewan rivers and their tributaries were particularly affected. A total of 32 State of emergency#Canada, states of local emergency were declared and 28 emergency operations centres were activated as water levels rose and numerous communities were placed under evacuation orders. Five people were confirmed dead as a direct result of the flooding and over 100,000 people were displaced throughout the region. Some 2,200 Canadian Armed Forces, Canadian Forces (CF) troops were deployed to help in flooded areas in addition to the Royal Canadian ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Group Of Eight
The Group of Eight (G8) was an intergovernmental political forum from 1997 to 2014, formed by incorporating Russia into the G7. The G8 became the G7 again after Russia was expelled in 2014 after the Russian annexation of Crimea. The forum originated with a 1975 summit hosted by France that brought together representatives of six governments: France, Germany, Italy, Japan, the United Kingdom, and the United States, thus leading to the name Group of Six or G6. The summit came to be known as the Group of Seven in 1976 with the addition of Canada. The European Union (or predecessor institutions such as the European Economic Community) was represented at the G8 since the 1980s as a "nonenumerated" participant, but originally could not host or chair summits. Russia was added to the political forum from 1997, which the following year became known as the G8. In 2005, the UK government initiated the practice of inviting five leading emerging markets – Brazil, China, India, Mexico, ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Looking Downtown From Riverfront Ave Calgary Flood 2013
Looking is the act of intentionally focusing visual perception on someone or something, for the purpose of obtaining information, and possibly to convey interest or another sentiment. A large number of troponyms exist to describe variations of looking at things, with prominent examples including the verbs "stare, gaze, gape, gawp, gawk, goggle, glare, glimpse, glance, peek, peep, peer, squint, leer, gloat, and ogle".Anne Poch Higueras and Isabel Verdaguer Clavera, "The rise of new meanings: A historical journey through English ways of ''looking at''", in Javier E. Díaz Vera, ed., ''A Changing World of Words: Studies in English Historical Lexicography, Lexicology and Semantics'', Volume 141 (2002), p. 563-572. Additional terms with nuanced meanings include viewing, Madeline Harrison Caviness, ''Visualizing Women in the Middle Ages: Sight, Spectacle, and Scopic Economy'' (2001), p. 18. watching,John Mowitt, ''Sounds: The Ambient Humanities'' (2015), p. 3. eyeing,Charles John Smith ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
American English
American English, sometimes called United States English or U.S. English, is the set of variety (linguistics), varieties of the English language native to the United States. English is the Languages of the United States, most widely spoken language in the United States and, since 2025, the official language of the United States. It is also an official language in 32 of the 50 U.S. states and the ''de facto'' common language used in government, education, and commerce in all 50 states, the District of Columbia, and in all territories except Puerto Rico. Since the late 20th century, American English has become the most influential form of English worldwide. Varieties of American English include many patterns of pronunciation, vocabulary, grammar, and particularly spelling that are unified nationwide but distinct from other forms of English around the world. Any North American English, American or Canadian accent perceived as lacking noticeably local, ethnic, or cultural markedness ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Texas
Texas ( , ; or ) is the most populous U.S. state, state in the South Central United States, South Central region of the United States. It borders Louisiana to the east, Arkansas to the northeast, Oklahoma to the north, New Mexico to the west, and has Mexico-United States border, an international border with the Mexican states of Chihuahua (state), Chihuahua, Coahuila, Nuevo León, and Tamaulipas to the south and southwest. Texas has Texas Gulf Coast, a coastline on the Gulf of Mexico to the southeast. Covering and with over 31 million residents as of 2024, it is the second-largest state List of U.S. states and territories by area, by area and List of U.S. states and territories by population, population. Texas is nicknamed the ''Lone Star State'' for its former status as the independent Republic of Texas. Spain was the first European country to Spanish Texas, claim and control Texas. Following French colonization of Texas, a short-lived colony controlled by France, Mexico ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Hurricane Harvey
Hurricane Harvey was a devastating tropical cyclone that made landfall in Texas and Louisiana in August 2017, causing catastrophic flooding and more than 100 deaths. It is tied with 2005's Hurricane Katrina as the costliest tropical cyclone on record, inflicting $125 billion (2017 USD) in damage, primarily from catastrophic rainfall-triggered flooding in Greater Houston and Southeast Texas; this made the storm the costliest natural disaster recorded in Texas at the time. It was the first major hurricane to make landfall in the United States since Wilma in 2005, ending a record 12-year span in which no hurricanes made landfall at the intensity of a major hurricane throughout the country. In a four-day period, many areas received more than of rain as the system slowly meandered over eastern Texas and adjacent waters, causing unprecedented flooding. With peak accumulations of , in Nederland, Texas, Harvey was the wettest tropical cyclone on record in the United Stat ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Climate Change In The United States
Climate change has led to the United States warming up by 2.6°F (1.4°C) since 1970.In 2023, the global average near-surface temperature reached 1.45 °C above pre-industrial levels, making it the warmest year on record. The climate of the United States is shifting in ways that are widespread and varied between Regions of the United States, regions. From 2010 to 2019, the United States experienced its hottest decade on record. Extreme weather events, Invasive species in the United States, invasive species, Lists of floods in the United States, floods and Droughts in the United States, droughts are increasing. Tropical cyclones and climate change, Climate change's impacts on tropical cyclones and sea level rise also affect regions of the country. Cumulatively since 1850, the Greenhouse gas emissions by the United States, U.S. has emitted a larger share than any country of the greenhouse gases causing current climate change, with some 20% of the global total of carbon dioxide al ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Admitted Insurance
Insurance is a means of protection from financial loss in which, in exchange for a fee, a party agrees to compensate another party in the event of a certain loss, damage, or injury. It is a form of risk management, primarily used to protect against the risk of a contingent or uncertain loss. An entity which provides insurance is known as an insurer, insurance company, insurance carrier, or underwriter. A person or entity who buys insurance is known as a policyholder, while a person or entity covered under the policy is called an insured. The insurance transaction involves the policyholder assuming a guaranteed, known, and relatively small loss in the form of a payment to the insurer (a premium) in exchange for the insurer's promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms. Furthermore, it usually involves something in which the insured has an insurable interest established by o ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
National Flood Insurance Program
The National Flood Insurance Program (NFIP) is a program created by the Congress of the United States in 1968 through the National Flood Insurance Act of 1968 (P.L. 90-448). The NFIP has two purposes: to share the risk of flood losses through flood insurance and to reduce flood damages by restricting floodplain development. The program enables property owners in participating communities to purchase insurance protection, administered by the government, against losses from flooding, and requires flood insurance for all loans or lines of credit that are secured by existing buildings, manufactured homes, or buildings under construction, that are located in the Special Flood Hazard Area in a community that participates in the NFIP. U.S. Congress limits the availability of National Flood Insurance to communities that adopt adequate land use and control measures with effective enforcement provisions to reduce flood damages by restricting development in areas exposed to flooding. Floo ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Flood
A flood is an overflow of water (list of non-water floods, or rarely other fluids) that submerges land that is usually dry. In the sense of "flowing water", the word may also be applied to the inflow of the tide. Floods are of significant concern in agriculture, civil engineering and public health. Environmental issues, Human changes to the environment often increase the intensity and frequency of flooding. Examples for human changes are land use changes such as deforestation and Wetland conservation, removal of wetlands, changes in waterway course or flood controls such as with levees. Global environmental issues also influence causes of floods, namely climate change which causes an Effects of climate change on the water cycle, intensification of the water cycle and sea level rise. For example, climate change makes Extreme weather, extreme weather events more frequent and stronger. This leads to more intense floods and increased flood risk. Natural types of floods include riv ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
