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Flooding leads to problems when people build, live, and work in areas susceptible to the hazard. There are very good reasons for occupying these lands, but there are also costs that are incurred when floods damage property, disrupt business, and, too often, take lives. The various forces that contribute to the hazard as well as their interactions are complex and yet require understanding if we are to protect the development that exists and prevent future increases in losses. Furthermore, the flood hazard is dynamic. The physical environment is changing as the climate warms, thus altering hydrological relationships, while increases in the global population expose more to the flood hazard.

Historically, floodplains have been sought as desirable sites for both agriculture and urban development because of the amenities that they can offer, including extensive flat areas, usually with well-drained soils, proximity to sources of water for consumption and for waste disposal, and access to water-based transportation. Given these characteristics, there are many settlements, small and large, occupying floodplains. In the United States, for instance, there are more than 20,000 communities designated as flood prone. While the number of households occupying these floodplains is not known, estimates range from 6 million to more than 9 million commercial and residential buildings located in floodplains across the United States, and this number is expected to increase over time. Other countries have even greater floodplain populations. In Bangladesh, for example, approximately 50% of the population of 162 million is estimated to live in flood hazard areas. The potential for disaster around the world is ever present. It is important to recognize that some people live near rivers by choice since some locations are prestigious, providing highly valued locations for many reasons. In other cases, there is little safe land available for new development in cities, so migrants to urban areas are forced into hazardous floodplain locations.

Magnitude and Probability of Floods

Floodplains are created naturally by rivers and streams over many years and carry flows during times of high water. When the amount of water in the river or stream reaches its capacity, it spills over onto the floodplain. This constitutes a flood. It is important to recognize that all rivers are prone to flood. The size of potential floods, however, is generally proportional to the size of the stream system: the larger the drainage basin, the larger the prospective flood. Large drainage basins can lead to extensive flooding, as occurred in the U.S. Midwest in 1993 and 2008, Pakistan in 2010, and Australia in 2011. This is not to say that small drainage basins do not create difficulties. To the contrary, flash flood events have generated considerable problems and are often associated with substantial loss of life. The magnitude of the flood, as measured by the discharge (the amount of water flowing past a given point over a given period), therefore, may not be the key determinant of human impact. Instead, it is the human dimension that must be explored to fully understand the flood hazard.

A common way of describing flood magnitude is based on probabilities of the frequency at which different flood discharges are reached and the recurrence or probable return period or recurrence interval. The 100-year flood, for example, has a 1% chance (a 0.01 probability) of occurring in any given year, the 25-year-event a 4% chance (a 0.04 probability). In the United States, it is the 100-year flood that has been adopted for flood management purposes and is used to delineate flood hazard zones—the 100-year floodplain. Thus, such floodplains can expect to be inundated once every 100 years on average. Of course, as with all averages, this does not suggest a regularity of occurrence, and three 100-year events could recur 3 years in a row, or even more often. Also, the 100-year floodplain represents just the outer boundary of the zone; the land and hence buildings closer to the stream and at lower elevations are at even greater risk. The floodplain, therefore, constitutes a gradation from a high probability of flooding adjacent to the stream to lower probabilities as one moves away. Furthermore, land outside this boundary is not flood free; it is just at a lower risk to flooding.

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