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Letting Nature Play a Larger Role in Mitigation

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New insight on effective solutions


Florida mangroves. Courtesy, National Oceanic and Atmospheric Administration

In my many years in disaster insurance and recovery, I’ve witnessed the wrath of Mother Nature and learned that while you cannot fight her, you can and should prepare for her, and that often nature herself offers among the best defenses from natural disasters.  A new report from The National Wildlife Federation and Allied World Insurance looks at natural systems such as reefs, wetlands, and forests, and their ability to reduce damage from disasters such as hurricanes, floods, and wildfires.

The Protective Value of Nature summarizes the increasing body of scientific research over the past two decades – both empirical and model-based – that has improved our ability to evaluate and quantify the protective performance of natural infrastructure.  The report offers evidence it says suggests that both natural and nature-based approaches by man for hazard mitigation can be equally or more effective than conventional structural approaches, and are often more cost-effective, too.

“Since healthy, intact ecosystems are often adapted to natural disturbances such as floods and wildfires, they may have the capacity to withstand or recover from extreme weather- and climate-related hazards and adjust to ongoing environmental changes.  Conventional structural approaches (i.e., “gray infrastructure”), on the other hand, often require ongoing maintenance, and may need costly repairs when they fail or are damaged,” according to the study.

The report covers risks and natural infrastructure improvements that can make a significant difference in mitigating the specific hazards of inland flooding, coastal storm surge, wildfires, and extreme heat and drought.  In Florida, for example, native mangroves play an important role in protecting our coastlines.  The research shows that mangroves reduced peak storm surge height by as much as three inches per half mile during hurricanes Charlie and Wilma, which can add up over the space and distance of the surge.

The report offers key policy recommendations in the following areas:

  • Protect and restore existing features providing natural defenses
  • Mainstream use of natural infrastructure across sectors
  • Improve risk assessment and encourage smart development
  • Dramatically scale up investments in community resilience and supporting research

In addition to lowering risks, the report points out that natural infrastructure offers additional benefits to society, from provision of food and clean water for people and habitat for fish and wildlife, to recreational opportunities, and cultural and spiritual fulfillment.

LMA Newsletter of 6-22-20

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Tags: Allied World Insurance, Flooding, hurricane mitigation, Mangroves, National Wildlife Federation, Natural storm mitigation, Storm Surge Barrier, The Protective Value of Nature, Wildfires

“I do not know how to say in words the heartfelt thankfulness that you took the time to listen to me, heard me, and then TOOK action to get something done after the long emotional and FINANCIAL struggle with…the hardship of paying upfront for all the repairs from Hurricane Sally. I cannot say enough of how I appreciate you, your attitude of wanting to help people and the next step to actually take action to do something is amazing.”

Ramona Speer, Realtor®
Gulf Breeze, FL

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William McArthur, VP of Claims
Claims Adjustment Group (CAG)

“Another great Newsletter on Florida industry this week.  Your service and advocacy in Florida is very important to keeping me updated and apprised of the Florida insurance laws, trends and overall environment.  Something similar is very much needed in Louisiana, too.”

Jennifer Tedesco, Esq., Claims Director
Pharos Claims Services
Orlando, FL

“Great article on Risk Rating 2.0!”

Austin Perez, Senior Policy Representative for Federal Housing, Valuation, Insurance and Commercial Issues
National Association of Realtors
Washington, D.C.

“Keep up the great work, Lisa! I enjoy your updates!”

John Askins, Former Director
Florida Department of Financial Services, Division of Insurance Fraud

“Lisa, you will always be a public servant and your newsletters have shared valuable information to many. These newsletters are not five minute follow up reports. You’ve been to these disasters first hand and understand people lose everything and the elderly are the most vulnerable. It’s truly sad. Thank You for being sincere, when most are looking for ratings.”

John Greer, retired from construction, Plant City

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Greg Holder, Retired Judge and Attorney
Zinober Diana & Monteverde P.A.
Tampa, FL

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Jeffrey Karam, CPCU
Bradenton, FL

“Thank you Lisa for staying on top of, as well as advocating, for Florida residents and legislative reform. Your newsletters are very informative and enjoy reading the points of view.”  

Shawna Miller, Sr. Claims Quality Assurance & Compliance Manager
Florida Peninsula Insurance Company
Jacksonville, FL

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Bill Wilson, former PURE SAC Chair
PURE Insurance Company

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Ana Regina Myrrha, Agency Principal
American Insurance Point
Orlando, FL

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Tim O’Keefe, Director
KW Property Management & Consulting
Fort Lauderdale, FL

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Frank Messersmith, former Florida state representative, 1980-1990

“Keep informing and fighting!”

Mary Ann Medina, VP Client Partnerships
Charles Taylor
Lake Mary, FL

“Thank you, Lisa, for your tireless work on behalf of the industry and the citizens of Florida. This post is incredibly comprehensive and helpful. Stay safe my friend.”

Mel Russell, President & CEO
Russell Insurance Consulting
St. Petersburg, FL

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D. Joel Whalen, Associate Professor
DePaul University Kellstadt Graduate School of Business & Past President, Association for Business Communication

“A high-profile attempt to undo recent litigation reforms that helped stabilize the insurance market was successfully defeated. We’re grateful to trusted experts like Lisa Miller (former Florida Deputy Insurance Commissioner, now one of the state’s top insurance advocates) for providing ongoing updates during every legislative session.”

Whitney Ricci, President & Founder
Ricci Insurance Group
Jacksonville, FL

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Cynthia Hoehn, Independent Property & Casualty Personal Lines insurance agent
Clermont, FL

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George E. Kelly, Jr.
GK Consulting LLC
Hartford, CT

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Cynthia Scott, President
University Insurance Group
Davie, FL

“Lisa this is another great newsletter, and we appreciate the time and energy you put into these informative updates – you are on top of these topics!”

Mike Graham, CEO
Smart Vent Products, Floodproofing.com, & Risk Reduction Plus
Juno Beach, FL

“Wow, what a great picture and worth a thousand words! I’ve been reading/listening religiously to your newsletters/podcasts. They’ve been a tremendous source of information. Thank you!”

Austin Perez, Senior Policy Advisor
National Association of Realtors®
Gulf Breeze, FL

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Rivers H. Buford, III, Veteran Florida legislative and regulatory leader, retired

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John Burkholder, Principal
Municipal Partners, LLC
2016 Public Risk Manager of the Year

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Gillian Lloyd, Account Executive
Zywave
Milwaukee, WI

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Dan Brown, Sr., President
Brown and Brown Insurance
Orlando, FL

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Paula, lifelong hometown of Plant City pal

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Rebecca Leadbeater, Regulatory Compliance Analyst
Frank Winston Crum Insurance
Clearwater, FL

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Laurie Rasberry, Chief Claims Officer
Acorn Claims
Prosper, Texas

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Lori Hall, Business Development Manager
Haag

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Ken Donohue, Former Inspector General
U.S. Department of Housing and Urban Development (HUD)

“Thank you for all you do for the industry and the Verisk team. We are forever grateful and excited for the future. Getting your insight in my inbox is exactly what I need!”

John Haddad, Director of Product - XactAnalysis
Verisk Claims

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