Fort St. Philip Natural Diversion and the Destruction of Land

Pictorial Account and Landscape Evolution of the Crevasses near Fort St. Philip, Louisiana (Rotated Maps – Port St. Phillip crevasse study)

Factsheet – Pictorial Account and Landscape Evolution of the Crevasses near Fort St. Philip, Louisiana

This report documents how a natural diversion – a break in the river levee – lead to significant land loss, not land gain.

“Quantifying the effects of active natural and constructed crevasses is critical to the planning and success of future ecosystem restoration activities. This document provides a historical overview of landscape changes within the vicinity of the natural crevasses near Fort St. Philip, Louisiana. A significant event influencing landscape change within the Fort St. Philip study area was the breaching of the eastern levee of the Mississippi River. Initially, the river water that was diverted through these crevasse channels physically removed significant marsh areas within the study area. These initial direct impacts were succeeded by several decades of larger regional loss patterns driven by subsidence and other episodic events (e.g, hurricanes and floods), and recent localized land gains. These increases in land area are potentially the long-term results of the Fort St. Philip crevasses, and the short-term impacts of delta management activities. However, for the majority of the 1956-2008 period of analysis, the crevassing of the eastern bank of the Mississippi River levee was a loss accelerant in the Fort St. Philip area.”

FHA establishes standards for private flood insurance for FHA backed mortgages

Acceptance of Private Flood Insurance for FHA-Insured Mortgages

This final rule amends Federal Housing Administration (FHA) regulations to allow mortgagors the option to purchase private flood insurance on FHA-insured mortgages for properties located in Special Flood Hazard Areas (SFHAs), in satisfaction of the mandatory purchase requirement of the Flood Disaster Protection Act of 1973 (the FDPA). The FDPA, as amended, requires the owner of a property mapped in a SFHA, and located in a community participating in the National Flood Insurance Program, to purchase flood insurance as a condition of receiving a mortgage backed by the Government Sponsored Entities (GSEs), Department of Veterans Affairs (VA), U.S. Department of Agriculture (USDA), or Federal Housing Administration (FHA). In consideration of public comments, HUD’s experience implementing the program, and HUD’s goals of aligning with the Biggert-Waters Act while mitigating risk and protecting taxpayers’ funds, this final rule adopts HUD’s November 23, 2020, proposed rule with minor changes.