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The oldest climate story isn’t about a wildfire or a hurricane, a heat wave or a drought. It’s about a flood.
“The deluge is terrifying not just for its destructive capacity but also for the way it undoes all that has been accomplished, brings us back to the fathomless chaos of beginning,” The New Yorker’s Avi Steinberg writes of this most primordial human fear, the story of which has been echoed across cultures and religions from the Mesopotamian Epic of Gilgamesh to the Bible’s Old Testament to the Ancient Greek Deucalion Myth to stories told by Native peoples across North America. It might also be humankind’s oldest cautionary tale: When the rain starts and the waters begin to rise, pay attention.
In the United States, floods are the deadliest extreme weather phenomenon after heat waves. In particular, flash floods — which the National Oceanic and Atmospheric Administration distinguishes as flooding that “begins within 6 hours, and often within 3 hours, of ... heavy rainfall” — often take people by surprise, or are dangerously underestimated.
With Hurricane Hilary threatening to dump potentially a year’s worth of rain on parts of the southwestern United States in the span of 72 hours, learning how to react to rising waters ahead of time can be life-saving. This is what you need to know.
Unlike learning your personal wildfire risk, which is relatively easy, it can be frustrating to try to figure out the flood risk of your home.
FEMA publishes flood maps (you can search by your address here), but the shading key can be hard to make out and I had difficulty getting the images to load. I had my best luck navigating to this version of the map, clicking on the location I was interested in, then clicking to the second page of the pop-up information, where you will see “Flood Hazard Zones” followed by a letter. The letters B, C, and X designate moderate- to low-risk flood areas (though the risk in these locations is not non-existent!) while high-risk areas are marked with A or V.
An example of where to find your individual flood hazard zone on the FEMA flood map.FEMA
Personally, I preferred the clear information laid out at RiskFactor.com. The website told me my neighborhood’s risk (I live by the river in New York City, so mine is “moderate”) and the number of properties in the area that have a “greater than ... 26% chance of being severely affected by flooding over the next 30 years” (for my neighborhood, 16%!). The website will even estimate the “max depth of flooding” of a specific home or building for this year and in the next 30 years.
If you are in a moderate- to high-risk area on either map, you should take steps to prepare for a flash flood. Even if you score lower, you might want to consider preparing your house because minimal risk doesn’t denote zero risk.
Either way, you should read the below section about “what to do if you’re in a car during a flash flood,” since such a scenario can happen to anyone.
You don’t have to wait for a flash flood warning to begin to prepare for the worst. But if you’re in a situation where you can anticipate flooding — like much of Southern California, Nevada, and southwestern Arizona can right now — you should prepare ahead of time to run errands so you won’t need to leave the house during the storm. Keep in mind, the best way to stay safe during a flash flood is to not encounter the flood in the first place.
Make sure you have enough food for several days, as well as enough pet food for your animals. Also be sure to pick up any prescriptions or medications you might need. Anticipate any other reasons why you might need to leave your home and try to prevent or limit them ahead of time.
Confirm that the contents of your “go bag” or emergency evacuation kit are up-to-date. Here’s a generic checklist of what should go in it, as well as a version in Spanish.
Check the batteries in your flashlights and charge backup batteries for electronics like cell phones, in case the power goes out.
Clean up your yard if you have time; secure outdoor furniture so it doesn’t get blown around.
Prepare electricity-free entertainment options (now is the time to start brushing up on gin rummy).
Check on neighbors or relatives who might not be aware of the coming storm or have made preparations yet.
I can't believe I have to write this, but absolutely do not order Doordash or Uber Eats or food or products from any other courier service during flash flood conditions. Doing so puts other people in direct danger. Your ramen craving can be satisfied later.
Never wait out a storm in a basement or an apartment that is below ground level if you live in an area with moderate to high flood risk; move to a higher floor or find a different location to shelter in. Even if your home or basement has been okay in previous rainstorms, major flood events can overwhelm city sewer systems and back up water into areas it hasn’t reached before. As Reza Khanbilvardi, a professor of civil engineering and hydrology at City College of New York, told Gothamist after Hurricane Ida killed dozens in New York, New Jersey, and Connecticut in 2021, “Apartments in cellars and basements can be death traps.” Paved urban areas can be especially dangerous in these conditions.
Follow potential evacuation alerts on your phone or on a radio (yes, they still exist!). Sign up for alerts now if you haven’t already.
Seal your important documents in a gallon-size freezer bag or other waterproof bag if you anticipate needing to evacuate, The New York Times suggests.
Unplug electronics and move any valuables to higher floors or locations if you have time to prepare for an evacuation.
If water enters your home, evacuate immediately with your go bag. Do not wait or try to retrieve any additional items. One of the most common ways people get hurt during flash floods is by waiting too long to evacuate. Use your best judgment — if it feels safer to climb to a higher floor than to try to drive to higher ground, do so, but avoid sheltering in an attic where FEMA warns you could get trapped. “Go on the roof only if necessary,” FEMA writes, and “signal for help.”
Do not attempt to walk or swim through floodwaters. Six inches of moving water is enough to knock an adult off their feet. Electrocution is also the second-biggest cause of death during a flood after drowning; never attempt to turn off a circuit breaker box or touch appliances if you are wet or standing in water.
If you come in contact with floodwaters, be sure to wash that area of your body very well when you reach safety.
If at all possible, avoid driving during flash flood conditions. Of course, this isn’t always possible — often people are out when they get caught in a storm. The National Weather Service reports that nearly half of flash-flood fatalities are vehicle-related and the “majority” of victims are male.
First and foremost, never, ever drive through floodwaters or around a roadblock or barrier. “Turn around, don’t drown” is a well-worn NWS slogan for a reason. Just 6 inches of flowing water can move a car and just 12 inches can carry it away — it doesn’t matter how good of a driver you are.
Additionally, even if the water looks shallow, it might not be. “Do not attempt to cross a flooded road even if the car in front of you made it through,” meteorologist Bonnie Schneider writes in her book Extreme Weather.
If your car stalls in water, first responders want you to remember“seatbelt, windows, out.” Do not waste valuable time trying to call 911 and wait for rescue. Unbuckle immediately so you are free to move. Then roll down the windows so that if the car’s electrical system shorts out, you still have a means of escape. (As a backup, buy a “Lifehammer” to punch your way through the window and out of your car. If you do not have a Lifehammer or something similar, the pointy metal ends of a headrest can work in a pinch, The New York Times reports.)
At this point, there is “no right answer,” Joseph Bushra, the medical director with Narberth Ambulance, told WHYY. You need to assess the situation. If it is safe to exit your car and escape to higher ground, do so, but plan your path before getting out of the car and remember, just 6 inches of water can knock an adult over.
If it is not safe to try to make it to higher ground, then you need to get on top of your car. Turn on your hazard lights to make the car visible to first responders. Evacuate children first, starting with the oldest child, and tell them to hang onto whatever they can, The New York Times advises. Once you have evacuated and are on top of your car, then call 911.
It’s not called a “worst-case scenario” for nothing. So what do you do if you end up in the water during a flash flood?
Your number one priority should be to try to get out of the water as quickly as you can. Climb a tree, a building, a car or truck, or head toward any available higher ground.
If you are forced to swim, move perpendicular to the current. Keep in mind this is a last possible resort: “People need to realize that most people who lose their footing in a flash flood don’t get out,” Julie Munger, the founder of Sierra Rescue International, told The New York Times.
If swimming to safety isn’t possible, the Riverside County Fire Department recommends orienting your body so you’re on your back, with your feet down-current, so you can use them to move debris out of the way. “Most victims in swift water die when they get pinned against obstacles, or get trapped in submerged debris and vegetation,” the department writes. Get out of the water or on top of something as quickly as possible — and hold on tight.
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Recovering from the Los Angeles wildfires will be expensive. Really expensive. Insurance analysts and banks have already produced a wide range of estimates of both what insurance companies will pay out and overall economic loss. AccuWeatherhas put out an eye-catching preliminary figure of $52 billion to $57 billion for economic losses, with the service’s chief meteorologist saying that the fires have the potential to “become the worst wildfire in modern California history based on the number of structures burned and economic loss.” On Thursday, J.P. Morgan doubled its previous estimate for insured losses to $20 billion, with an economic loss figure of $50 billion — about the gross domestic product of the country of Jordan.
The startlingly high loss figures from a fire that has only lasted a few days and is (relatively) limited in scope show just how distinctly devastating an urban fire can be. Enormous wildfires thatcover millions of acres like the 2023 Canadian wildfires can spew ash and particulate matter all over the globe and burn for months, darkening skies and clogging airways in other countries. And smaller — and far deadlier fires — than those still do not produce the same financial roll.
It’s in coastal Southern California where you find large population centers areas known by all to be at extreme risk of fire. And so a fire there can destroy a whole neighborhood in a few hours and put the state’s insurance system into jeopardy.
One reason why the projected economic impacts of the fires are so high is that the structures that have burned and the land those structures sit on are very valuable. Pacific Palisades, Malibu, and Santa Monica contain some of the most sought-after real estate on planet earth, with typical home prices over $2 million. Pacific Palisades itself has median home values of around $3 million, according to JPMorgan Chase.
The AccuWeather estimates put the economic damage for the Los Angeles fires at several times previous large, urban fires — the Maui wildfire in 2023 was estimated to cause around $14 billion of economic loss, for example — while the figure would be about a third or a quarter of a large hurricane, which tend to strike areas with millions of people in them across several states.
“The fires have not been contained thus far and continue to spread, implying that estimates of potential economic and insured losses are likely to increase,” the JPMorgan analysts wrote Thursday.
That level of losses would make the fires costlier in economic terms than the 2018 Butte County Camp Fire, whose insured losses of $10 billion made it California’s costliest at the time. That fire was far larger than the Los Angeles fires, spreading over 150,000 acres compared to just over 17,000 acres for the Palisades Fire and over 10,000 acres for the Eaton Fire. It also led to more than 80 deaths in the town of Paradise.
So far, around 2,000 homes have been destroyed,according to the Los Angeles Times,a fraction of the more than 19,000 structures affected by the Camp Fire. The difference in estimated losses comes from the fact that homes in Pacific Palisades weigh in at more than six times those in rural Butte, according to JPMorgan.
While insured losses get the lion’s share of attention when it comes to the cost impacts of a natural disaster, the potential damages go far beyond the balance sheet of insurers.
For one, it’s likely that many affected homeowners did not even carry insurance, either because their insurers failed to renew their existing policies or the homeowners simply chose to go without due to the high cost of what insurance they could find. “A larger than usual portion of the losses caused by the wildfires will be uninsured,” according to Morningstar DBRS, which estimated total insured losses at more than $8 billion. Many homeowners carry insurance from California’s backup FAIR Plan, which may itself come under financial pressure, potentially leading to assessments from the state’s policyholders to bolster its ability to pay claims.
AccuWeather arrived at its economic impact figure by looking not just at losses from property damage but also wages that go unearned due to economic activity slowing down or halting in affected areas, infrastructure that needs to be repaired, supply chain issues, and transportation snarls. Even when homes and businesses aren’t destroyed, people may be unable to work due to evacuations; businesses may close due to the dispersal of their customers or inability of their suppliers to make deliveries. Smoke inhalation can lead to short-, medium-, and long-term health impacts that take a dent out of overall economic activity.
The high level of insured losses, meanwhile, could mean that insurers’ will see less surplus and could have to pay more for reinsurance, Nancy Watkins, an actuary and wildfire expert at Milliman, told me in an email. This may mean that they would have to shed yet more policies “in order to avoid deterioration in their financial strength ratings,” just as California has been trying to lure insurers back with reforms to its dysfunctional insurance market.
The economic costs of the fire will likely be felt for years if not decades. While it would take an act of God far stronger than a fire to keep people from building homes on the slopes of the Santa Monica Mountains or off the Pacific Coast, the city that rebuilds may be smaller, more heavily fortified, and more expensive than the one that existed at the end of last year. And that’s just before the next big fire.
Suburban streets, exploding pipes, and those Santa Ana winds, for starters.
A fire needs three things to burn: heat, fuel, and oxygen. The first is important: At some point this week, for a reason we have yet to discover and may never will, a piece of flammable material in Los Angeles County got hot enough to ignite. The last is essential: The resulting fires, which have now burned nearly 29,000 acres, are fanned by exceptionally powerful and dry Santa Ana winds.
But in the critical days ahead, it is that central ingredient that will preoccupy fire managers, emergency responders, and the public, who are watching their homes — wood-framed containers full of memories, primary documents, material wealth, sentimental heirlooms — transformed into raw fuel. “Grass is one fuel model; timber is another fuel model; brushes are another — there are dozens of fuel models,” Bobbie Scopa, a veteran firefighter and author of the memoir Both Sides of the Fire Line, told me. “But when a fire goes from the wildland into the urban interface, you’re now burning houses.”
This jump from chaparral shrubland into neighborhoods has frustrated firefighters’ efforts to gain an upper hand over the L.A. County fires. In the remote wilderness, firefighters can cut fire lines with axes, pulaskis, and shovels to contain the blaze. (A fire’s “containment” describes how much firefighters have encircled; 25% containment means a quarter of the fire perimeter is prevented from moving forward by manmade or natural fire breaks.)
Once a fire moves into an urban community and starts spreading house to house, however, as has already happened in Santa Monica, Pasadena, and other suburbs of Los Angeles, those strategies go out the window. A fire break starves a fire by introducing a gap in its fuel; it can be a cleared strip of vegetation, a river, or even a freeway. But you can’t just hack a fire break through a neighborhood. “Now you’re having to use big fire engines and spray lots of water,” Scopa said, compared to the wildlands where “we do a lot of firefighting without water.”
Water has already proven to be a significant issue in Los Angeles, where many hydrants near Palisades, the biggest of the five fires, had already gone dry by 3:00 a.m. Wednesday. “We’re fighting a wildfire with urban water systems, and that is really challenging,” Los Angeles Department of Water and Power CEO Janisse Quiñones explained in a news conference later that same day.
LADWP said it had filled its 114 water storage tanks before the fires started, but the city’s water supply was never intended to stop a 17,000-acre fire. The hydrants are “meant to put out a two-house fire, a one-house fire, or something like that,” Faith Kearns, a water and wildfire researcher at Arizona State University, told me. Additionally, homeowners sometimes leave their sprinklers on in the hopes that it will help protect their house, or try to fight fires with their own hoses. At a certain point, the system — just like the city personnel — becomes overwhelmed by the sheer magnitude of the unfolding disaster.
Making matters worse is the wind, which restricted some of the aerial support firefighters typically employ. As gusts slowed on Thursday, retardant and water drops were able to resume, helping firefighters in their efforts. (The Eaton Fire, while still technically 0% contained because there are no established fire lines, has “significantly stopped” growing, The New York Times reports). Still, firefighters don’t typically “paint” neighborhoods; the drops, which don’t put out fires entirely so much as suppress them enough that firefighters can fight them at close range, are a liability. Kearns, however, told me that “the winds were so high, they weren’t able to do the water drops that they normally do and that are an enormous part of all fire operations,” and that “certainly compounded the problems of the fire hydrants running dry.”
Firefighters’ priority isn’t saving structures, though. “Firefighters save lives first before they have to deal with fire,” Alexander Maranghides, a fire protection engineer at the National Institute of Standards and Technology and the author of an ongoing case study of the 2018 Camp fire in Paradise, California, told me. That can be an enormous and time-consuming task in a dense area like suburban Los Angeles, and counterintuitively lead to more areas burning down. Speaking specifically from his conclusions about the Camp fire, which was similarly a wildland-urban interface, or WUI fire, Maranghides added, “It is very, very challenging because as things deteriorate — you’re talking about downed power lines, smoke obstructing visibility, and you end up with burn-overs,” when a fire moves so quickly that it overtakes people or fire crews. “And now you have to go and rescue those civilians who are caught in those burn-overs.” Sometimes, that requires firefighters to do triage — and let blocks burn to save lives.
Perhaps most ominously, the problems don’t end once the fire is out. When a house burns down, it is often the case that its water pipes burst. (This also adds to the water shortage woes during the event.) But when firefighters are simultaneously pumping water out of other parts of the system, air can be sucked down into those open water pipes. And not just any air. “We’re not talking about forest smoke, which is bad; we’re talking about WUI smoke, which is bad plus,” Maranghides said, again referring to his research in Paradise. “It’s not just wood burning; it’s wood, plastics, heavy metals, computers, cars, batteries, everything. You don’t want to be breathing it, and you don’t want it going into your water system.”
Water infrastructure can be damaged in other ways, as well. Because fires are burning “so much hotter now,” Kearns told me, contamination can occur due to melting PVC piping, which releases benzene, a carcinogen. Watersheds and reservoirs are also in danger of extended contamination, particularly once rains finally do come and wash soot, silt, debris, and potentially toxic flame retardant into nearby streams.
But that’s a problem for the future. In the meantime, Los Angeles — and lots of it — continues to burn.
“I don’t care how many resources you have; when the fires are burning like they do when we have Santa Anas, there’s so little you can do,” Scopa said. “All you can do is try to protect the people and get the people out, and try to keep your firefighters safe.”
Plus 3 more outstanding questions about this ongoing emergency.
As Los Angeles continued to battle multiple big blazes ripping through some of the most beloved (and expensive) areas of the city on Thursday, a question lingered in the background: What caused the fires in the first place?
Though fires are less common in California during this time of the year, they aren’t unheard of. In early December 2017, power lines sparked the Thomas Fire near Ventura, California, which burned through to mid-January. At the time it was the largest fire in the state since at least the 1930s. Now it’s the ninth-largest. Although that fire was in a more rural area, it ignited for some of the same reasons we’re seeing fires this week.
Read on for everything we know so far about how the fires started.
Five major fires started during the Santa Ana wind event this week:
Officials have not made any statements about the cause of any of the fires yet.
On Thursday morning, Edward Nordskog, a retired fire investigator from the Los Angeles Sheriff’s Department, told me it was unlikely they had even begun looking into the root of the biggest and most destructive of the fires in the Pacific Palisades. “They don't start an investigation until it's safe to go into the area where the fire started, and it just hasn't been safe until probably today,” he said.
It can take years to determine the cause of a fire. Investigators did not pinpoint the cause of the Thomas Fire until March 2019, more than two years after it started.
But Nordskog doesn’t think it will take very long this time. It’s easier to narrow down the possibilities for an urban fire because there are typically both witnesses and surveillance footage, he told me. He said the most common causes of wildfires in Los Angeles are power lines and those started by unhoused people. They can also be caused by sparks from vehicles or equipment.
At about 27,000 acres burned, these fires are unlikely to make the charts for the largest in California history. But because they are burning in urban, densely populated, and expensive areas, they could be some of the most devastating. With an estimated 2,000 structures damaged so far, the Eaton and Palisades fires are likely to make the list for most destructive wildfire events in the state.
And they will certainly be at the top for costliest. The Palisades Fire has already been declared a likely contender for the most expensive wildfire in U.S. history. It has destroyed more than 1,000 structures in some of the most expensive zip codes in the country. Between that and the Eaton Fire, Accuweather estimates the damages could reach $57 billion.
While we don’t know the root causes of the ignitions, several factors came together to create perfect fire conditions in Southern California this week.
First, there’s the Santa Ana winds, an annual phenomenon in Southern California, when very dry, high-pressure air gets trapped in the Great Basin and begins escaping westward through mountain passes to lower-pressure areas along the coast. Most of the time, the wind in Los Angeles blows eastward from the ocean, but during a Santa Ana event, it changes direction, picking up speed as it rushes toward the sea.
Jon Keeley, a research scientist with the US Geological Survey and an adjunct professor at the University of California, Los Angeles told me that Santa Ana winds typically blow at maybe 30 to 40 miles per hour, while the winds this week hit upwards of 60 to 70 miles per hour. “More severe than is normal, but not unique,” he said. “We had similar severe winds in 2017 with the Thomas Fire.”
Second, Southern California is currently in the midst of extreme drought. Winter is typically a rainier season, but Los Angeles has seen less than half an inch of rain since July. That means that all the shrubland vegetation in the area is bone-dry. Again, Keeley said, this was not usual, but not unique. Some years are drier than others.
These fires were also not a question of fuel management, Keeley told me. “The fuels are not really the issue in these big fires. It's the extreme winds,” he said. “You can do prescription burning in chaparral and have essentially no impact on Santa Ana wind-driven fires.” As far as he can tell, based on information from CalFire, the Eaton Fire started on an urban street.
While it’s likely that climate change played a role in amplifying the drought, it’s hard to say how big a factor it was. Patrick Brown, a climate scientist at the Breakthrough Institute and adjunct professor at Johns Hopkins University, published a long post on X outlining the factors contributing to the fires, including a chart of historic rainfall during the winter in Los Angeles that shows oscillations between very wet and very dry years over the past eight decades. But climate change is expected to make dry years drier in Los Angeles. “The LA area is about 3°C warmer than it would be in preindustrial conditions, which (all else being equal) works to dry fuels and makes fires more intense,” Brown wrote.