Earthquake Insurance, is it worth it?

Here’s an interesting article out of Alaska discussing whether earthquake insurance is actually worth it.

I wasn’t certain how the underwriting worked and it appears that most deductibles are a percentage of the value of your home and they only pay out for large scale disasters instead of minor earthquake
damage.

This information really makes you appreciate FEMA cascadia earthquakeand their role in getting communities back on their feet after a natural disaster.

As always, consult with your insurance agent for more information.

Earthquake Insurance Article

Article Describing the Native American Stories About the Earthquake of 1700

Here’s a great article from Slate describing the Native American stories of the great earthquake and tsunami that impacted the Pacific Northwest in 1700. These stories describe the shaking and ocean water that encroached upon their homes. Many Pacific Northwest tribes knew of the seismic threat generations before geologists & scientists caught up with this narrative. Interesting story!

“The Great Quake and the Great Drowning”

*Great find Pacific Northwest Seismic Network

Concerns About Recent Cascadia Earthquake Blog Posts

cascadia subuction zoneI recently stumbled upon a dooms day blog post that addresses the imminent risk of a large-scale earthquake & tsunami within the Cascadia subduction zone region. In fact, this post recently received some coverage on Portland’s KGW.

I absolutely agree there is an imminent risk of a significant earthquake & tsunami – but that’s about all I agree with in the blog post.

Part of the post indicates that this blogger is predicting a wall of water that will annihilate everything west of I-5 attributing this statement to a FEMA representative printed in a recent magazine article.

The original FEMA quote printed in The New Yorker, July 20, 2015 by Kathryn Schulz: “Kenneth Murphy, who directs FEMA’s Region X, the division responsible for Oregon, Washington, Idaho, and Alaska, says, “Our operating assumption is that everything west of Interstate 5 will be toast.” The New Yorker, July 20, 2015 (http://bit.ly/1Sj4Noz)

Aside from their claims, in my opinion they are taking a quote from a FEMA representative out of context and failing to include Kathryn Schulz’s (the author of the original The New Yorker article) follow-up clarifying what the FEMA person quoted in her original article really meant by his statement.

Here’s Kathryn Schulz follow-up in a response printed in The New Yorker two weeks later: “…“toast” is not what you would call a precise description, so let me be more specific. What Murphy did not mean is that everyone west of I-5 will be injured or killed; FEMA’s casualty figures, while horrifying, amount to under one-half of one per cent of the population of the region.” The New Yorker, July 28, 2015 (http://bit.ly/1GZjwhU)

I agree that west of I-5 will be severely affected; however, it’s unfair and inaccurate to say everything west of I-5 will be gone. But this blog won’t stop beating its drum with that hyperbolic quote that was obviously taken out of context.

The news station continued to look into the blogger’s recent allegations about a buoy showing signs of distress alleging it’s a predictor of severe seismic activity and the station refuted their data points with experts in the field countering the blogger’s claims. (KGW: http://www.kgw.com/news/local/geologist-debunks-nw-earthquake-article/18328115)

The end. Or so we thought.

I got half way through another Cascadia earthquake blog post before I had to stop reading. It made me mad. I feel that what they are doing is essentially running into a crowded theater and screaming “FIRE!!!!”  They repeated several times that they are not trying to incite fear… but in my opinion… I think they are.

Yes, we are overdue for a possible 9.0. Rather than being Chicken Little posting about a buoy dropping up and down (which who knows if it’s even a relevant data point and or a predictor… I will leave that to actual experts) let’s talk about how to prepare for the catastrophic event instead. Such as getting one gallon of water per person per day for up two weeks and for some areas along the coastline even longer, plus don’t forget about food & water for your pets. Or, knowing how to shut off your natural gas connected to your home. Or, speak with your schools so you know how they are preparing for an earthquake….Instead of carrying on about an alleged 50 foot wall of water that will reach I-5!

tidal wave.jpg

 

This fear-mongering wall of water that scales past the Cascade Range really doesn’t compute. I am wondering how often he or she has driven Highways 42, 38, and 126 (I know I have driven those roads hundreds if not a thousand or more times in my lifetime traveling back and forth from I-5 to the coast) – the topography of the hills protecting I-5 is impressive more so than anything close to a shoreline that would be vulnerable to severe waves.

I also want to know if this blogger watched the videos of the tsunami hitting Japan or the deadly tsunami that devastated many countries throughout the Indian Ocean. Many waves were large and powerful beyond measure and it cost many lives… but it wasn’t in biblical proportions scaling mountains and large hills – the waves still had to contend with the topography in its path. Even Chile had a 9.0 earthquake… still no colossal wall of water encroaching on their even grander mountain range.

Quote from CREW Cascadia Subduction Scenario 2013: “The height of the wave and how far inland it travels will vary with location: In places along Cascadia’s coast, the tsunami may be as high as 30–40 feet (9–12 m). Much depends on the local topographythe lay of the land—both underwater and along the shore. In general, the inundation will be greater where the land is low or the topography focuses the waves, such as at bays and river mouths. Other key factors are subsidence and tides: When the fault ruptures, the land in many coastal areas will drop in elevation, increasing the run-up of the subsequent tsunami; and if the quake occurs during high tide, the tsunami will travel farther inland than it would at low tide.”
http://crew.org/sites/default/files/cascadia_subduction_scenario_2013.pdf

My personal opinion, this blogger has watched Deep Impact too many times with Tea Leoni and Morgan Freeman and didn’t pick up the reports AFTER The New Yorker came out to understand how statements were clarified about FEMA (in all likelihood, this will cue the conspiracy theorists).

All I can say is plan and prepare for an earthquake. But please do not panic after reading unsubstantiated dooms day scenarios.

Instead read reports from FEMA, CREW, geologists (Oregon State University has produced some nice content) and other government agencies who hire experts in this field.

Please note: I often use Coos Bay in my examples since I am from there and my family has lived there for several generations (and still does). I know the land and I care about the area and its people.

Tsunami Videos:

A compelling video from the tsunami that hit Thailand. The video shows the calm before the waves approach (go to 56 seconds in to see early signs of the tsunami). Warning the video is graphic as you see people being swept away by the waves.

https://www.youtube.com/watch?v=PW39qbfamFY

A video from the 2011 Japanese Tsunami with footage taken from a helicopter recording the devastation sweeping across the land.

https://www.youtube.com/watch?v=3xKMFzKOIfQ

Another video from the 2011 Japanese earthquake. Around 5:50 minutes you can see a large wave sadly take down a two story building that was close to the shoreline.

https://www.youtube.com/watch?v=IAa8BmuPqh8

A video taken from a roof top as tsunami waves head at them from the shore.

https://www.youtube.com/watch?v=V2taJExhV6g

 

 

Before Kathryn Schulz there was Dr. Doom

I have been obsessed with the Cascadia subduction zone for close to a decade now.

I have read countless articles and reports so I can understand the impact this potential devastation may have on my family here in Portland and also my family residing in Coos Bay.

During my research I was always fascinated with Dr. Robert Yeats, professor emeritus of geology at Oregon State University. I recall hearing of his earthquake “nonsense” in the 1990’s. My parents dismissed “Dr. Doom” as rubbish; however, my late grandmother swore that Coos Bay had an earthquake when she was growing up. She spent a lifetime within a two block radius in Coos Bay and she showed me the sidewalk crack (that’s still there BTW) that allegedly appeared after a tremor during her upbringing. It was a bit of lore in my family, however, in 1991 I was in Albany with my grandparents and while on the phone with my mother I hear “The house is swaying!  We are having an earthquake!”  And they did. It was a magnitude 6.6 on July 12, 1991 off the coast of Coos Bay. Everyone (but Dr. Doom) was stunned.

Perhaps Grandma was right.

Deep down, I knew Dr. Doom was on to something.

Fast forward, a few decades and along comes writer Kathryn Schulz. Bravo, Ms. Schulz. You have the attention of the Pacific Northwest and I am hopeful your article will save lives in the long-run.

Dr. Doom never had the audience and now the message is being heard loud and clear.

Thank you – many members of my family are finally listening… I can’t thank you enough.

I am hopeful your message will save many lives throughout the northwest.

PNW Geologists Learn From Other Earthquakes

 

I would like to applaud geologists for always looking to improve our reporting and forecasting for a 9.0 earthquake.

One thing to note, the state of Oregon re-forecast their tsunami maps after the Japanese earthquake. I assume they took into account how the water flowed in Japan and compared it to the topography along our coastline. For instance, before 2008 the map essentially said the people of Coos Bay would be affected along the beaches (which are a distance from the actual town) and the bay would possibly have a surge similar to the 11-foot tides in the winter months (with 11-foot tides in Coos Bay, the water will reach Highway 101 slightly but not much).

After 2011, the Japanese earthquake showed a more aggressive tsunami and US geologists realized this could happen along our coastline. So they reforecast. Now, a tsunami in Coos Bay can reach all the way out into Libby through the sloughs that feed from the bay. It seems crazy… I would have to drive 15 minutes to get to a beach from the area yet a tsunami will wind its way through various sloughs, tributaries and marshes overflowing into parts of some secluded inland areas. Following the geologist’s logic and looking at the land and understanding the area (my grandparents owned the large ranch in the Libby area where the tsunami inundation zone essentially “ends”) – it makes absolute sense. It’s marshy most of the year even during the summer months. This is conjecture on my part, but the land likely dropped from the 1700 earthquake making it a marsh similar to some parts of Anchorage after 1964. The terrain is similar in texture.

The same goes for a tsunami that might reach Coos Bay’s Blossom Gulch elementary school – which was illustrated in the state’s re-forecast after the Japanese quake. Again, it seems outlandish since you can’t even see water from the grade school but I appreciate the geologists taking into account what happened in Japan and forecasting how that would look along areas such as Coos Bay.  If you live there and understand the lay of the land – it’s logical and makes sense.  I assume it’s the same for other coastal communities.

Thank you to the many subject matter experts and researchers who are working to save lives.

Take Control of Your Family Memories Before Disaster Strikes

Damage from the 1900 Galveston hurricane, the ...

Damage from the 1900 Galveston hurricane, the deadliest natural disaster in U.S. history, was extensive. (Photo credit: Wikipedia)

 

Something to consider…. Have you ever taken a moment and asked yourself – what happens if I’m a victim of a natural disaster… whether it’s a hurricane, tornado, earthquake, fire, flood… or whatever…. Have you considered what would happen to my personal mementos? The ones that are irreplaceable?

 

I had never considered this until I heard a colleague complain about a virus that wiped away his operating system and all of his files. This includes photos from his daughter’s first year of life. That had my attention. I love my kids and my photos and memories of my family are irreplaceable to me.

 

In the wake of any natural disaster you will see the heartbreaking images of people sifting through debris trying to look for pieces of memories…How can you avoid this from happening to you?

 

My answer: A third party digital storage site.

 

I have my photos scanned (for the older ones) and backed up but I also have them duplicated on a large third party vendor (who shall remain nameless – I am not about endorsements) so in the event of a natural disaster, such as a large earthquake, I have my photos and scans of my children’s artwork preserved electronically on a server in some other state.

 

I really grappled with putting the images on their servers because there is a question of ownership and privacy… but you can put the images to “private” for your use only. I also don’t buy into the conspiracy that the large “storage” companies are trying to steal your images for their own copyright.

 

What do I recommend? Find what works for you.

 

There are large services that provide cloud drives for free (up to a certain amount of storage space) and then there is the annual fee for larger quantities in the even you take many photos of family and friends. Read the terms and conditions and look up customer reviews for the service before you decide.

 

Ok, I know I said I don’t like to mention companies…. But I will mention this one (no money or endorsement fee was exchanged here)… if you have many older family photos before digital was mainstream… try ScanMyPhotos.com (http://www.scanmyphotos.com/) . I sent them a few boxes of photos (probably 1K+ and they sent me back the originals neatly packed and a disk with everything scanned… Love this service.)

 

Prepare for the worst and hope for the best… but please save those images and back them up. It may take some set up time but in the event of an emergency… I promise you will either wish you had or be glad that you did.

 

Take control of your family archives before disaster strikes.

 

Be safe.

 

 

 

 

 

Article Link: Allegedly GPS Errors May Occur With Earthquakes Greater Than 8.0

English: Magnitude_7.0_BANDA_SEA

English: Magnitude_7.0_BANDA_SEA (Photo credit: Wikipedia)

This article is fascinating — apparently scientists have discovered that an earthquake greater than an 8.0 on the Richter Scale may cause errors with GPS systems. Apparently the shift in the earth may throw off GPS measurements.
Article:
http://www.dnaindia.com/scitech/1841127/report-earthquakes-greater-than-8-0-magnitude-create-gps-errors

Large Earthquakes & Tall Buildings

English: Mexico City Earthquake, September 19,...

English: Mexico City Earthquake, September 19, 1985. Eight-story frame structure with brick infill walls broken in two. The foundation also came off. Credit: U.S. Geological Survey Department of the Interior/USGS/I.D. Celebi Source:http://libraryphoto.cr.usgs.gov/cgi-bin/show_picture.cgi?ID=ID.%20Celebi,%20M.%2024ct (Photo credit: Wikipedia)

I always wonder how large buildings will sustain a large earthquake since both my husband and I work in high rise buildings.

I recently found an article that reviews possible scenarios with earthquakes and how various buildings will handle the stress from the shaking ground. What I discovered was interesting and a bit scary…

First, when it comes a 9.0+ earthquake many scientists really don’t know how “skyscrapers” will handle the prolonged seismic activity. For one thing, severe earthquakes are rare (thankfully) and the large earthquakes aren’t always striking urban landscapes.

Bottom line, we don’t really know.

There are some simulations that help illustrate what could possibly happen and the results were interesting. There is a theory that with a large 9.0 earthquake that tall buildings could possibly collapse since they are not designed to severely sway for up to 5 minutes. A wood-framed small home (per this research) could sustain the 9.0+ earthquake and possibly get out with broken windows and of course, damaged contents.  A brick building might partially collapse under the stress.

Here is the interesting part… say if you have a 7.0 earthquake (think Haiti) – which are often times shallow with a short and abrupt land movement for up to 60 seconds… these earthquakes could slide a wood-framed home off of its foundation, the brick building could totally collapse and the “skyscraper” might have minor damage.

The article also alluded to findings after the 1985 Mexico City earthquake and in that quake (around an 8.1 on the Richter scale) the small and tall buildings survived. Buildings with 6-15 floors had a difficult time absorbing the shock waves  therefore 60% of the buildings in this size range were significantly damaged or collapsed.

How a  building performs is the condition of the shaking and the engineering/design of the structure.

Whatever building type that you and your family live, work, or reside in… may it always be safe.

Source:

http://www.iris.edu/hq/files/programs/education_and_outreach/retm/tm_100112_haiti/BuildingsInEQs.pdf

Tsunami Formation and Early Signs

This is an interesting look at how Tsunami’s are formed after an earthquake. I am fascinated by the description of the receding water as it rushes out to sea before the momentum turns and it creates a wall of water headed towards land.

English: A picture of the 2004 tsunami in Ao N...

English: A picture of the 2004 tsunami in Ao Nang, Krabi Province, Thailand. Français : Image montrant le raz-de-marée de 2004 à Ao Nang, en Thaïlande. Italiano: Una fotografia del maremoto dell’Oceano Indiano ad Ao Nang, in Tailandia. Español: Imagen del terremoto del Océano Índico de 2004 en Ao Nang, Tailandia. മലയാളം: 2004-ൽ ഇന്ത്യൻ മഹാസമുദ്രത്തിൽ ഉണ്ടായ സുനാമി, തായ്‌ലാന്റിലെ ആവോ നാങിൽ നിന്നുള്ള ചിത്രം. Myanmasa: ဆူနာမီ (Photo credit: Wikipedia) – that bit of knowledge saved lives.

I also recall the little girl vacationing during the Indian earthquake who recognized the draining sound taught to her as a key indicator of a tsunami. That bit of knowledge saved lives.

So remember, if you are ever on the coastline, after a local earthquake or one on the other side of the ocean, please keep in mind… if the ocean recedes quickly and or you hear a draining noise from the water as it rushes out to sea…. RUN… RUN as fast as you can for the highest point you can possibly find. In fact, whenever I visit the beach, I always scope out the highest point and the easiest route if I need to get my family to higher ground.

Be safe.

Source:

http://library.thinkquest.org/04oct/01724/causes_formation.html

An Interesting History of the Richter Scale

Here is an interesting history on the Earthquake Early Warning system and the history of the Richter Scale.

Earthquake Richter Scale

Earthquake Richter Scale (Photo credit: Wikipedia)

Source:

http://www.accuweather.com/en/weather-news/history-of-the-san-francisco-e/10658668