Goshen News, Goshen, IN

Breaking News

April 28, 2013

Money spent beforehand can blunt impact of disasters.

— Gayland Kitch doesn’t feel a bit sheepish about not having a storm cellar, even though he is the director of emergency management in Moore, Okla., which faced one of the most violent tornadoes on record, with wind speeds greater than 300 mph, in May 1999.

It isn’t that Kitch is resisting the $3,000 or so it would take to build. It’s that during tornado weather, he’s not home. He’s at the office, which has its own shelter. His wife is there, too, volunteering. When their kids lived at home, they came, as well.

Kitch isn’t stupid, though. When he retires, he said, “I will probably install one.”

Many people in Moore have done just that since the 1999 tornado killed 43 people in the Oklahoma City area. Kitch says more than 10 percent of Moore’s homes — about 2,500 — now have a safe room or shelter. Helping homeowners make the investment: A federal program that has paid up to $2,000 of the cost.

Every person has to make decisions about what to spend on preparedness for natural disasters. Buy a house with a view, or live a few blocks from the beach? Build a storm shelter or make friends with a neighbor who has one? Get a weather radio? Buy earthquake insurance? Towns, too, must set building codes and choose whether to restrict the use of cheap building materials. They decide whether to allow development in flood plains, and whether to invest in sophisticated emergency equipment.

Minimizing cost

These are all down payments on the cost of a disaster. The rule of thumb is that every dollar spent on preparedness saves $4 in recovery costs, according to a report by the National Institute of Building Sciences’ Mutihazard Mitigation Council, which others confirm. That’s $4 taxpayers won’t have to spend as the government increasingly covers the costs of disasters.

The burden of disaster recovery is growing. In the 1950s, disasters in the United States caused a combined $53.6 billion in insured losses, according to an assessment by the Wharton Risk Management and Decision Processes Center at the University of Pennsylvania. In the 1990s, losses reached $778 billion.

Driving up the costs are population growth and urbanization. In 2004, Florida alone had $1.9 trillion in insured assets along its high-risk coastal areas, according to the Wharton Risk Management Center’s report.

And the insurance industry is balking. Private insurers, stung by huge costs of doing business over the last decade, have stopped writing policies for some areas, or charge such high premiums that people decide to take their chances. Even the National Flood Insurance Program, which will run a $28 billion deficit after Hurricane Sandy, won’t insure against flooding in some areas.

Many assets aren’t insured, which places more of a burden on government recovery programs. Taxpayers paid out about 62 percent of the recovery costs of disasters between 2000 and 2008, the Wharton Risk Management center reported.

“You didn’t see the governor of New Jersey make a big deal about having only 30 to 40 percent market penetration for flood insurance,” after Hurricane Sandy, said Jeffrey Czajkowski, a research fellow at the Wharton center. He noted many people live in areas where they could get flood insurance from the government but do not. “The other 60 percent should have insurance, and if they don’t, why should they get fast aid?” he said.

Text Only
Breaking News
  • Sheriff’s deputies respond to dispute ELKHART — Nobody was injured after a shotgun was fired Friday afternoon. According to the Elkhart County Sheriff's Department at approximately 5:15 p.m., Elkhart County Sheriff’s Deputies responded to a dispute that was occurring in the 21000 block o

    August 1, 2014

  • GN140801 Mackowiak new Millersburg marshal.jpg Retired Goshen police officer sworn in as new Millersburg town marshal

    Retired Goshen police officer Al Mackowiak was sworn in as Millersburg's new town marshal Wednesday.

    July 31, 2014 1 Photo

  • Hunt_Jeffrey New Paris home invader sentenced to 120 years in prison

    Jeffery J. Hunt was sentenced to 120 years after being pleading guilty to a violent home invasion in New Paris.

    July 31, 2014 1 Photo

  • Kulp is new Goshen softball coach Brent Kulp was hired as the new Goshen High School softball coach at Monday night’s school board meeting. He was a physical education and health teacher in the Baugo Community Schools for 18 years and head softball coach at Jimtown High School for 15 seasons. Under his direction, Jimtown earned five Northern State Conference championships, five sectional titles and two regional titles and his teams compiled an overall record of 285-133-1.

    July 28, 2014

  • Middlebury man burned in water heater blast 
 MIDDLEBURY — Authorities say a Middlebury man has been hospitalized after he was injured when a water heater exploded. Firefighters tell WSBT-TV the man in his 20s was trying to light a water heater that had run out of gas and used too much fuel. The

    July 26, 2014

  • Clinton Frame leaving IN-MI Mennonite Conference over same-sex marriage

    After nearly 100 years of being in the Indiana-Michigan Mennonite Conference, Clinton Frame Mennonite Church officials announced it will be leaving because of the controversy related to same-sex marriage.

    July 24, 2014

  • Red D Mart armed robbery New Paris Police ask for public's help in identifying would-be robber

    Elkhart County police have released still photos captured from video of the man who attempted to hold up Red D Mart gas station, 68310 Ind. 15, New Paris, on Saturday, July 19.

    July 23, 2014 2 Photos

  • Red Cross in urgent need of donors

    The American Red Cross is facing a blood shortage, leading to an urgent need for donors of all blood types to roll up a sleeve and give.

    July 23, 2014

  • Huron Street residents under boil order

    Tuesday morning, Goshen water crews shut down the water main on Huron Street to replace a broken fire hydrant.
    The Indiana Department of Environmental Management requires the Water Utility to issue a boil water order for the affected area, which is Huron Street from West Lincoln to Pike Street.

    July 23, 2014

  • GN140723 CR34-Ind. 13 Crash 1 LaGrange man airlifted from scene of crash A motorcyclist was seriously injured in a crash at Ind. 13 and C.R. 34 at 1:48 p.m. Tuesday. Terry Fry, 44, LaGrange, was airlifted by MedFlight from the scene. Elkhart County police said he was taken to South Bend Memorial Hospital with fractures to

    July 22, 2014 1 Photo

Parade
Magazine

Click HERE to read all your Parade favorites including Hollywood Wire, Celebrity interviews and photo galleries, Food recipes and cooking tips, Games and lots more.
AP Video
Renewed Violence Taking Toll on Gaza Residents 2 Americans Detained in North Korea Seek Help US Employers Add 209K Jobs, Rate 6.2 Pct House GOP Optimistic About New Border Bill Gaza Truce Unravels; Israel, Hamas Trade Blame Raw: Tunisia Closes Borders With Libya Four Rescued From Crashed Plane Couple Channel Grief Into Soldiers' Retreat WWI Aviation Still Alive at Aerodrome in NY Raw: Rescuers at Taiwan Explosion Scene Raw: Woman Who Faced Death Over Faith in N.H. Clinton Before 9-11: Could Have Killed Bin Laden Netanyahu Vows to Destroy Hamas Tunnels Obama Slams Republicans Over Lawsuit House Leaders Trade Blame for Inaction
Poll

Classes at Goshen Community Schools and St. John the Evangelist Catholic School will begin the 2014-15 school year on Thursday, Aug. 7. School corporations throughout the state have been trending toward earlier start dates the past few years. When do you think school should start?

I think early August is a good time to start
I think later in August would be a good time to start
I think school should start after Labor Day
     View Results