Crafting a Storm Surge and Hurricane Risk Rating for Coastal Properties

Crafting a Storm Surge and Hurricane Risk Rating for Coastal Properties

In an era where climate change is intensifying the frequency and severity of storms and hurricanes, especially in coastal regions, understanding and quantifying the associated risks is critical.

According to the National Geographic Society, a storm surge is a rise in sea level that occurs during tropical cyclones, which are intense storms also known as typhoons or hurricanes.

The storms produce strong winds that push the water into shore which can lead to flooding and pose a real threat in coastal regions.

To help understand these risks, a Storm Surge and Hurricane Risk Rating score can provide property owners, developers, real estate agents, insurers, urban planners, local governments, buyers and investors with a clear picture of a property’s vulnerability to these natural disasters.

These stakeholders will be conducting their own necessary research, and a risk rating system can offer an indicative metric to guide their decisions.

Why is a Storm Surge and Hurricane Risk Rating Important?

Understanding storm surge and hurricane risks is crucial for building a resilient society.

Natural catastrophes pose significant challenges, and quantifying these risks can aid in better preparation and prompt responses.

Strengthening homes and incentivising homeowners to invest in property fortification can reduce potential losses. Accurate risk assessments and reliable data can allow insurers to offer discounts for mitigation actions, enhance home resale values, and reveal the increased costs to mortgage issuers due to natural disasters.

Achieving resilience relies on expert understanding of the real estate ecosystem and the benefits of informed mitigation strategies.

Steps to build a Storm Surge and Hurricane Risk Rating

1. Defining scoring criteria and scale

The foundation of a risk rating system is a clear and understandable scale, such as 1 to 10, with each number representing a different level of risk.

Establishing specific criteria for assessment is also essential for a well-rounded evaluation.

2. Key factors to consider

Several factors contribute significantly to a property’s risk from storm surges and hurricanes:

Proximity to coast

 

  • Proximity to Coastline: The closer a property is to the coastline, the higher the risk of storm surge impacts.
  • Elevation and Topography: Properties at higher elevations or with certain topographical features may have reduced risk.
  • Historical Data: Analysing past hurricane and storm surge incidents from historical weather databases and local government records can provide critical insights into potential future risks.
  • Local Climate Trends: Understanding the local weather patterns can help predict the likelihood of storms.
Natural barriers
  • Flood Zone Designation: Properties in designated flood zones face a heightened risk. Flood risk information is generally available from Local Councils.
  • Building Design and Materials: Construction that is designed to be resilient against high winds and flooding can mitigate risk.
  • Infrastructure and Preparedness: Robust local infrastructure and emergency plans can play a vital role in risk reduction.
  • Natural Barriers: The presence of natural features, such as dunes or wetlands that can absorb storm impacts, reduces risk.
  • Regional Planning: Effective community and regional planning and zoning can mitigate potential damage. Consult local zoning laws and development plans for more property-specific.

3. Assigning weights to each factor

Assigning appropriate weights to each of the above factors based on its impact on overall risk ensures that the score accurately reflects the property’s vulnerability.

Use expert consultations and statistical analysis to determine appropriate weights, and adjust weights based on real-world data and expert feedback.

4. Data collection and analysis

Gathering and analysing data, including GIS mapping, climate records and historical event data, is crucial to assigning accurate sub-scores for each criterion. Cross-referencing multiple sources will ensure data accuracy and statistical software can be used for thorough analysis.

5. Calculating the overall score

By aggregating these sub-scores, considering their respective weights, we arrive at a comprehensive risk rating for each property. Using a formula or algorithm will ensure consistency in calculations. Further validating the scoring system with sample properties will help improve accuracy.

6. Validation and adjustment

It’s vital to validate and adjust the rating system against historical data and expert analysis to ensure its reliability and accuracy. Regularly review and update the criteria and weights based on new data.

Checklist

7. Providing risk mitigation recommendations

Along with the risk score, offering advice on how to reduce a property’s vulnerability to storm surges and hurricanes can be highly beneficial. Suggestions such as upgrading building materials, improving drainage systems or investing in flood barriers can form a checklist of actionable steps to reduce a property’s vulnerability.

8. Regular updates and re-evaluations

Continuously updating the risk rating system to reflect environmental changes, infrastructure developments and updated data is crucial. This includes regular reviews, incorporating new data and tech advancements can improve the risk rating system. 

Building Resilience with Accurate Risk Ratings

Stakeholders can create a robust and reliable risk rating system that enhances safety and preparedness in coastal areas.

A well-developed Storm Surge and Hurricane Risk Rating can provide essential information for making educated decisions about property development, insurance and risk management.

As the world grapples with the increasing challenges of climate change, these tools become ever more critical in our collective efforts to build resilient communities.

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Could a Revamp of Australian Property Planning Rules Solve Some of Australia’s Housing Issues?

Could a Revamp of Australian Property Planning Rules Solve Some of Australia’s Housing Issues?

Rising property prices and high costs of living means the Australian dream of home ownership is slipping further and further away for many. Could an overhaul of Australian property planning rules offer a solution?

In recent discussions during a heated ABC Q+A debate on Homeownership, Homelessness & Housing supply, the Australian dream of homeownership has taken centre stage again, unveiling a crisis that grips not just potential homeowners but extends its grasp towards the homeless and vulnerable communities across the nation.

Even those “fortunate” enough to have purchased property are feeling significant interest rate stress as cost-of-living soars in recent times. Renters are experiencing rent hikes and dealing with historically low vacancy rates.

Australia’s housing issues in the spotlight

“Fundamentally, the problem is that we’re not building enough homes,” Mr Leigh, the Assistant Minister for Competition, Charities and Treasury, told Q+A.

It’s clear that Australia requires millions more homes to meet current demand but also accommodate future population growth.

However, as it stands, governments are finding it challenging to meet their own targets.

The debate, and followed up by The Sydney Morning Herald article Do planning rules really affect house prices? The answer is clear, has cast a spotlight on a host of interconnected factors contributing to this issue.

At the heart of the matter are planning and zoning rules, which, contrary to some beliefs, significantly influence housing prices and supply. This is a contentious point, highlighted by the disagreement between Max Chandler-Mather, Greens Spokesperson on Housing & Homelessness, and Dan McKenna, CEO of Nightingale Housing, pointing to a deeper complexity within the debate.

While Shadow Assistant Minister for Home Ownership, Senator Andrew Bragg’s remarks on construction industry, skills shortage and migration underscores the multifaceted approach needed to address the crisis.

This crisis reflects broader societal issues—including a shortage in construction and trades to debates on policy, immigration, and infrastructure development.

The challenges extend to financial mechanisms of owning a home, with strategies like tapping into superannuation funds or adopting shared equity schemes considered as possible solutions (which have their own implications).

As housing prices in some states soar to record levels and impact housing affordability, the dream slips further away for many, with rising homelessness a sign of a deepening emergency.

The conversation also touched on regulatory measures like controlling rent increases and revisiting the impacts of capital gains tax and tax concessions, such as negative gearing, which has been identified as contributing factors in the price hikes over the last few decades.

A possible solution to the housing crisis

Looking beyond our shores for solutions, it’s clear that this is not an issue unique to Australia.

International examples offer alternative paths forward and suggest a re-evaluation of property planning rules.

But first, we need to understand our current property planning rules.

Captured and represented by Archistar, Australian Property Planning Rules for Land Use could provide crucial insights into land use and, potentially, relief to the crisis. The data, available via the Snowflake Marketplace, details current land use zoning applied across the nation with geospatial representation. The use of that data can help us to understand where we currently stand and offer possible solutions when variables are tweaked, such as housing density.

Another challenge in solving the housing affordability problem in Australia, and globally for that matter, is the accessibility of data. 

Archistar is helping to break down these barriers by collating national datasets for planning rules that can be easily accessed and analysed using Snowflake’s Data Platform.

The way forward

As we negotiate this national emergency, it becomes increasingly evident that a multifaceted and inclusive approach is essential.

Engaging in open discussions, exploring innovative housing policies, and reconsidering the frameworks which our housing market operates could pave the way towards a more equitable future.

The dream of homeownership, safeguarding against homelessness, and the creation of sustainable communities demand it.

Australian Property Planning Rules for Land Use

Access Archistar’s Australian Property Planning Rules and understand zoning designations and regulations across the nation.

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