Flooding

[Tough Guy no. 1265]

I see floods all over the news. Why should sensible people like me who didn't buy a house in a flood plain have to foot the bill for those that did? The government is paying millions to "victims" of flood.

[The Todal]

Don't worry, you won't be asked to foot the bill. Now you don't need to worry about spending all that money on Christmas presents.

[Peter the Parrot Fucker]

"Tough Guy no. 1265" wrote in news: [e-mail]:

Hello and thank you for taking the time to read this announcement.

My name is Peter and I am from Scotland. I am 58 years old and I have bad teeth and a runny nose.

I am looking for anything with a pulse to shag. I am a serious, guy.

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[Tough Guy no. 1265]

All taxpayers foot the bill, even though they don't get flooded.

[The Todal]

Ah, understood. Why should I help foot the bill for extra police security in our cities when I was firmly opposed to the Iraq war and to the proposal to bomb Syria?

I suppose you're saying that it was stupid of people to live in Carlisle. It's a big city and a lot of people live there, and the flood risk is rather unpredictable from year to year. But ideally, everyone would buy a house on a hill, wherever they happen to live.

Most people are insured. But there is a large cost to be borne in repairing public areas. Perhaps in Victorian times a rich mill owner would step up to the plate and pay for it, or there would be a charitable foundation and you'd have to make a decision when the collector came to your front door.

[Bod]

[ARW]

It might be big in area but it it is not highly populated.

[Vir Campestris]

Trouble is that some of these people might have checked, and been told only a 1 in 100 year flood would reach them - and reckon this means once in a lifetime. But I'm hearing 34 in 300 years elsewhere...

Andy

[Bod]

[polygonum]

A house which was mostly very appealing is officially just in Flood Zone 2:

"Flood Zone 2 ? Medium Probability

Definition

This zone comprises land assessed as having between a 1 in 100 and 1 in

1,000 annual probability of river flooding (1% ? 0.1%), or between a 1 in 200 and 1 in 1,000 annual probability of sea flooding (0.5% ? 0.1%) in any year."

Even in the worst of the floods of recent years, this particular location and its immediate surroundings was not flooded. And showed very little likelihood of ever being flooded. So on a personal evaluation, I reckon it is safe. But if the insurers don't agree, it could be very expensive to insure.

[Bod]

For many of them this is their second flood in ten years, for many others it was their 4th time. I just heard those facts on the 10 oclock news.

[polygonum]

Fine - very unpleasant for them. But the house I wrote about has never been flooded. But the insurance side might be making it an impossible purchase. (Although we had decided against on other grounds.)

[Dave Liquorice]

Carlisle isn't a "big" city, I can tolerate going there with ease so it ain't big. Leeds is about the size limit, Manchester I always get lost in, Haven't been to Birmingham for decades, as for London no chance unless I have no option.

Biggest city by area in the UK at 400 square miles but with a population of just under 110,000. But that is really the district of the City of Carlisle rather than what most people would consider to be Carlisle City.

"Carlisle City", the urban bit has about 75,000 population and a guesstimated area of 10 square miles. More a run of the mill town than a "big city". B-)

Been trying to find out how much they raised the defences since the last floods in 2005, that held in 2009. What ever it was they were easily over topped this time. The Eden in Carlisle (Sheepmont) rose to 7.23 m, the previous highest level was 5.81 m (in 2009). That's

1.42 m (4'8") higher. That's a 24% increase in the record... At Linstock 5.02 m v 4.26 m (2009 again) 18% increase.

[harry]

Their insurance companies do. Supposing they can get insurance where they live.

[harry]

There are (DIY) things that can be done to mitigate the problem.

You don't have to be on a flood plain to get flooded out either.

A lot of people are too idle/stupid to take precautions.

[polygonum]

Mitigation seems unlikely to persuade an insurance company that the risk is very, very low. Especially if done DIY.

[Bod]

Indeed.

[Bod]

Like I said in a previous post, it pays to check a few insurance companies for the area that you're interested in house buying.

[The Natural Philosopher]

Why should I foot the bill for primary education when I don't have children?

[Bod]

Your education would have been footed by taxpayers, the same as the rest of us. Are you going to pay us all back?