Great Mississippi river flood of 2011 continues to propagate in the South. AIR Worldwide believes there will be more flooding in store for Mississippi and Louisiana.

Flooding from a large slow-moving storm system spawned nearly a month ago and encompassing several precipitation events has inundated low-lying communities and farmland for miles along the Upper and Lower Mississippi River. Although the height of the river receded slightly yesterday in Memphis, Tennessee, after nearing record height there earlier this week, towns south of Memphis are preparing for heavy flooding.

The governors of both Mississippi and Louisiana warn farmers and residents of waterfront communities to be ready to evacuate in preparation for major flooding along tributaries and spillways as the swollen river pushes record amounts of water towards the Gulf, which it is expected to reach in two weeks. Communities along the river are shoring up levees and monitoring water levels.

“The flooding began when a critical weather pattern brought tornadoes, hail, damaging winds and large quantities of precipitation over the Mississippi and Tennessee Valleys,” said Dr. Boyko Dodov, principal scientist at AIR Worldwide. “This large, slow-moving system, spanning a period of almost a month, and encompassing several rainstorm events, has contributed to record accumulations of precipitation and major flooding in these regions.”

Over the past few weeks, a strong high pressure ridge has persisted over the eastern US, blocking the propagation of the cold front that developed behind it. Meanwhile, the trough over the middle portion of the country has allowed for a significant amount of warm moist air to be transported from the South into the middle Mississippi, upper Arkansas and lower Ohio Valleys, resulting in severe weather and significant precipitation in these areas. This type of blocking pattern, also called an Omega block, has the jet stream positioned in a quasi-stationary position, which prevents the normal west-to-east movement of surface storms and fronts and permits weather persistence over large areas of the country.

The present weather set-up has similarities to the persistent upper level atmospheric pattern that developed over the central US in June of 1993—the year of yet another enormous Mississippi River flood. That year, a trough at high levels of the atmosphere became established over the western part of country, allowing for the low-level winds to move unstable warm, moist air from the Gulf of Mexico north, where it converged with the cold dry air moving south from Canada. This large-scale air mass interaction resulted in wave after wave of rainstorms that eventually soaked the Mississippi River basin.

“Presently, the southward moving bulge of river water (known as the flood crest) has left considerable damage in its wake, including in Memphis, where the river came close to reaching record height Tuesday; it crested at 47.85 feet early Tuesday morning, just under a foot below the record (48.7 feet) set in 1937 when another massive flood inundated 20 million acres of farmland in the region,” continued Dr. Dodov. “At its height Tuesday, the river was moving at 2 million cubic feet per second and was about three miles wide—roughly three times wider than normal.” Nearby, large expanses of farmland were completely inundated.  The water level in Memphis began to recede Wednesday night, down about two inches from the peak height reported Tuesday. The National Weather Service (NWS) predicts that floodwaters in the region should begin to withdraw sometime next week.

To the northwest of Memphis, in Missouri, around 100,000 acres of cropland were left flooded by the bloated river. Farmland in the state was turned to swamp after the Army Corps of Engineers detonated sections of a nearby levee there last week in an effort to save local towns. Elsewhere, the flooding stopped barge traffic on the Ohio River, a Mississippi tributary.

To the south, in Vicksburg, Mississippi, floodwater crashed over a 100-year old levee yesterday, Thursday, flooding 12,000 acres of farmland. The river is not actually expected to crest here until May 19, when it could reach 57.5 feet, according to the Corps of Engineers. “That is about 1.5 feet above the record height for Vicksburg, established in 1927. While the majority of levees in this region have been performing well so far, a breach here is still a concern; should it happen, it could send a massive surge of floodwater onto the Mississippi Delta, a flat area of farmland and small towns,” added Dr. Dodov.

In Louisiana, meanwhile, the floodwaters are threatening oil refineries, as well as residential areas west of the river. Officials in the state are debating measures to relieve pressure from levees to protect Baton Rouge, New Orleans and residences and refineries in between the two cities. Workers trying to block floodwaters from impacting Baton Rouge—where the river is expected to crest to 47.5 feet on Monday, May 23rd—have raised the lower portions of a levee there.  The Army Corps may also open the Morganza Spillway, which is only opened when 1.5 million cubic feet per second of water flow by the gauge at Red River Landing in northern Pointe Coupee Parish. This water level could likely be reached Saturday. If the spillway is opened, it’ll mark the first time it has been used since 1973 However, if the spillway were not opened, New Orleans may be at risk from levee breaks and flood waters that would result in significant damage.

Flood Insurance

Residential flood insurance is not covered by a standard homeowner’s policy. However, the National Flood Insurance Program (NFIP), established in 1986, lets residential property owners purchase flood insurance from the government. An extension of the NFIP has been considered—such that the program would be long-term (currently, it undergoes repeated extensions). The NFIP has been the subject of increasing scrutiny over the years, and it is hoped by some legislators that the current flooding disaster in the U.S. may motivate important changes to this program.

Commercial business can add flood as an endorsement to their property policy, although it is often subject to sublimits. The experience of Hurricane Katrina revealed that commercial insurers did not always have good information about their exposure to flood and indeed estimates of total industry-wide insured flood values remain hard to obtain. Given the magnitude of this event, it is clear that there will be significant commercial losses when compared to the last great flood on the Mississippi, in 1993. Auto losses will also be significant; losses from flood are typically paid under standard automobile policies.

According to Munich Re, the insured losses (presumably mostly commercial) in 1993 were $1.27 billion, which AIR estimates would amount to $2.6 billion after accounting for exposure growth and inflation. Meanwhile, the FEMA (NFIP) losses in 1993 were $273 million, which AIR estimates would amount to $559 million after accounting for exposure growth and inflation.

The Federal Emergency Management Agency records approximately 5,646,000 NFIP policies in place last year (2010), up from roughly 4,369,000 flood policies in place a decade ago.

Source : AIR Worldwide Press Release