History of flooding in Canada
The history of flooding in Canada includes floods caused by snowmelt runoff or freshet flooding, storm-rainfall and "flash flooding", ice jams during ice formation and spring break-up, natural dams, coastal flooding on ocean or lake coasts from storm surges, hurricanes and tsunamis. Urban flooding can be caused by stormwater runoff, riverine flooding and structural failure when engineered flood management structures, including dams and levees, prove inadequate to manage the quantities and force of flood waters. Floods can also occur when groundwater levels rise entering buildings cracks in foundation, floors and basements.(Sandink & 2010 7). Flooding is part of the natural environmental process. Flooding used to be more frequent in spring, but take place in summer  with flash floods from heavy rainfall. Flood events have had a significant effect on various regions of the country. Flooding is the costliest natural disaster for Canadians. Most home insurance claims in Canada deal with water damage, not fire.
Floods occur five times as often as wildfires, the second most frequent natural hazard in Canada.(Sandink & 2010 6) Between 1900 and 2005 there were 241 flood disasters in Canada.(Sandink & 2010 6)[notes 1]
The 1894 Fraser River flood had a return period of slightly more than 500 years and the 1948 flood was close to a 200-year event.(NHC & 2008 21) The 1997 Red River flood was named the 'flood of the century'. The International Joint Commission (IJC)'s[notes 2] 1998 report warned that although the 1997 Red River flood had a "return interval ranging from 100 to 500 years, depending on the location", there was a "statistical probability of a similar flood each year." The 2011 Assiniboine River Flood was estimated to have a return interval of 300 years.
The Calgary flood had a return interval ranging from 70 to 100 years. A 100-year flood has a 1-percent annual exceedance probability (AEP) flood.[notes 3][notes 4] with a flow of the Bow River in Calgary measured at c.1,740 m3/s (61,000 cu ft/s) when the flood reached its peak level on June 21, 2013.
- 1 Large Flood Disasters in Canada and Estimated Total Costs
- 2 List of Floods
- 2.1 1879 Fort Calgary
- 2.2 1894 Fraser River flood
- 2.3 1897 Fort Calgary
- 2.4 1902 Saint John River
- 2.5 1915 Calgary
- 2.6 1929 Calgary and southern Alberta flood
- 2.7 1929 Tsunami Burin Peninsula, Newfoundland
- 2.8 1948 Fraser River flood
- 2.9 1950 Red River flood
- 2.10 1954 Toronto region flood: Hurricane Hazel
- 2.11 1973 Saint John River flood
- 2.12 1979 Tropical Storm David hit Moncton
- 2.13 1984 Pemberton Valley flooding
- 2.14 1986 Winisk flood
- 2.15 1987 Montreal Flood
- 2.16 1996 Saguenay flood
- 2.17 1997 Red River flood, 'flood of the century': a return interval ranging from 100 to 500 years
- 2.18 2003 Pemberton-Sea To Sky Flooding
- 2.19 2004
- 2.20 2005
- 2.21 2007
- 2.22 2008 Saint John River flood
- 2.23 2009 Red River Flood
- 2.24 2010 Southern Alberta and Saskatchewan flood
- 2.25 2010 Hurricane Igor in Newfoundland
- 2.26 2011 Assiniboine River Flood
- 2.27 2012 Thunder Bay to Montreal
- 2.28 2013 Calgary and Southern Alberta Flood
- 2.29 2013 Southern Ontario Flash Flood
- 3 Quantity and force of flooding events increasing
- 4 Meteorology and Hydrology
- 5 Geography
- 6 Economic implications
- 7 Compensation
- 8 See also
- 9 Notes
- 10 Further reading
- 11 References
- 12 External links
Large Flood Disasters in Canada and Estimated Total Costs
|Year||Province||City/Location||Total Costs in millions CAD (trended to 2008)|
|1954||ON||Southern ON (Hurricane Hazel)||5,392|
|2005||AB||High River, Southern AB||1,519|
|1923||NB||Saint John River Basin||463|
|1955||SK/MB||Manitoba and Saskatchewan||362|
|1961||NB||Saint John River Basin||148|
|1996||QC||Montréal and Mauricie Region||145|
List of Floods
1879 Fort Calgary
1894 Fraser River flood
The largest flood of British Columbia's Fraser River on record occurred in May 1894, when rapid snow melt caused river levels to rise dramatically, triggering flooding from Agassiz to Richmond. The flood was significant in both height and breadth. In 2008 Northwest Hydraulic Consulatants (NHC) recommended the adoption of the following flood frequency estimates at the Hope gauge on the Fraser River: 100 year daily maximum flow 14,700 m3/s (520,000 cu ft/s); 200 year daily maximum flow 15,600 m3/s (550,000 cu ft/s); 500 year daily maximum flow 16,800 m3/s (590,000 cu ft/s). The Fraser's highest recorded flow, in June 1894, is estimated to have been 17,000 cubic metres per second (600,000 cu ft/s) or within a range of about16,000 to 18,000 cubic metres per second (570,000 to 640,000 cu ft/s) at Hope. Based on these flows the 1894 flood had a return period of slightly more than 500 years and the 1948 flood was close to a 200-year event.(NHC & 2008 21) Of the two catastrophic floods on the Lower Fraser River since European settlement in the Fraser Valley, the flood of 1894 is considered to be the "flood of record" but the flood of 1948 caused greater damage because of "intensive development" on the flood plain.(NHC & 2008 1)
1897 Fort Calgary
The flood of 1897 had an estimated peak rate of 2,265 m3/s (80,000 cu ft/s) based on high-water marks. In comparison, 103 years later, in June 2013, the Bow River in Calgary peaked at c.1,740 m3/s (61,000 cu ft/s).
1902 Saint John River
In March 1902, fifteen ice jams in the Saint John River basin resulted in some of the worst floods on that river in the 20th century with two deaths, and extensive damage to bridges, roads, railways and lumber mills. Damage estimates across New Brunswick were CAD(1998)CAD(1902). The Saint John River has a long history of flooding from 1696. Major reported flood events took place in 1887, 1902, 1923, 1936, 1970, 1973, 1976, 1979, and 1987.
The 1915 Bow River flood in Calgary in June washed away Centre Street Bridge, nearly drowning two city officials. The Bow River rose 2.1 m (6.9 ft) above normal, a record height. The Sheep Creek floods in Okotoks cut gas mains left Calgarians without cooking fuel.
1929 Calgary and southern Alberta flood
In June 1929 widespread flooding in southern Alberta caused major damage in Calgary and High River when the Bow River, Highwood River, and other rivers and creeks overflowed caused by extensive rainfall. Among some of the damage caused was extensive damage to the Calgary Zoo where several animals were killed, roads washed out at Banff, and homes flooded in Mission. (June 1923) The Elbow River breaks the 1915 record by 20 cm (7.9 in) when it rises to 2.9 m (9.5 ft). The Bow River, though it rises 1.5 m (4.9 ft) above normal, is still about .6 m (2.0 ft) under the 1915 record height.
1929 Tsunami Burin Peninsula, Newfoundland
November 18, 1929, a tsunami stuck Burin Peninsula, Newfoundland, after a large-scale Grand Banks earthquake. Sometime after the quake, many people noticed the water draining out of the coves and harbours. In St. Lawrence, "the harbour bottom, which on average is 10 m (33 ft) deep, was visible in places." "As the water receded, it exposed portions of the ocean floor that were normally submerged and caused boats docked at various harbours to tumble over onto their sides. Minutes later, three successive waves hit the shore and water levels rose dramatically." Three waves  hit the coast at 105 km/h (65 mph) about three hours after the earthquake occurred. "In most places, the sea level swelled three to seven metres above normal, but in some of the peninsula's long narrow bays, such as at Port au Bras, St. Lawrence, and Taylor's Bay, the water rose by between 13 m (43 ft) to 27 m (89 ft) ." The waves travelled at speeds up to 129 km/h (80 mph) at the epicentre; they were recorded as far away as Portugal. The tsunami destroyed many south coastal communities on the Burin Peninsula, killing 27 or 28 people, sweeping away homes, businesses, wharves, and fishing boats, and leaving 10,000 more homeless.
1948 Fraser River flood
In 1948, the second largest Fraser River flood of record occurred. By this time, the Lower Fraser Valley was a highly developed agricultural area, with commercial and industrial development and the beginnings of residential development. As well, two transcontinental rail lines and the Trans-Canada Highway had been built through the valley, and the province’s major airport had been established in Richmond. Personal and financial impact was much greater than in 1894. Thousands of people were displaced and infrastructure, including bridges and roads, was significantly damaged. Based on the 2008 NHC estimates of a 200-year daily maximum flow, 15,600 m3/s (550,000 cu ft/s),(NHC & 2008 21) the 1948 flood was close to a 200-year event.(NHC & 2008 21) The flood of 1948 caused greater damage than the 1894 flood because of "intensive development" on the flood plain.(NHC & 2008 1) At the height of the 1948 flood, 50,000 acres (200 km2) stood under water. Dykes broke at Agassiz, Chiliwack, Nicomen Island, Glen Valley and Matsqui. By the time the flood waters receded a month later, 16,000 people had been evacuated, damages totalled $20 million.
1950 Red River flood
During the 1950 Red River Flood the Red River reached its highest level since 1861  resulting in a major flood from April to June turning 600 mi/s (970 km/s) of Manitoba farmland into a vast inland sea. On May 18 the Red River reached 30.3 feet above normal. Approximately 107,000 people were evacuated from the area. Prime Minister Louis St. Laurent called it the "most catastrophic flood ever seen in Canada."(Rasky & 1961 175) Winnipeg was ill prepared for such a huge swell of water. Eight dikes gave way and flooded much of the city. Four of eleven bridges were destroyed.. Only one person, Lawson Ogg, lost his life to the flood. Estimated costs were from CAD 600 million to over CAD 1 billion.
The province of Manitoba completed the Red River Floodway in 1968 after six years of excavation, put up permanent dikes in eight towns south of Winnipeg, and built clay dikes and diversion dams in the Winnipeg area. Other flood control structures completed later were the Portage Diversion and the Shellmouth Dam on the Assiniboine.
1954 Toronto region flood: Hurricane Hazel
The most famous hurricane in Canadian history struck on October 15, 1954, causing catastrophic flooding. Hurricane Hazel submerged low-lying land from Etobicoke to the Holland Marsh and left 81 people dead. No natural disaster since has led to such a high death toll in Canada. Over 4,000 families were left homeless.(Gifford & 2004 13)
Sandink argued that there are major discrepancies in cost estimates for flood damage in general and for Hurricane Hazel in particular. Neither insurance companies nor governments cover the full damage. (Sandink & 2010 6) The Department of Public Safety and Emergency Preparedness Canada estimates the total cost of Hurricane Hazel for Canada, taking into account long-term effects such as economic disruption, the cost of lost property, and recovery costs, as being CAD137,552,400 CAD1,126,947,163 (in 2009 dollars). University of Western Ontario Geography professor Dan Shrubsole (Shrubsole 1993) estimated the costsat about CAD2 billion (2008). Environment Canada estimated the flood damages at CAD25 million (1954) or CAD205 million (in 2008 dollars).
In the Toronto area, winds reached 110 km (68 mi) per hour and there was 285 mm (11.2 in) of rain in 48 hours. The Humber River, located in the west end of the city, caused the most destruction, as a result of an intense flash flood. Toronto's infrastructure took a heavy hit. Not built to withstand serious flooding, as it is in a climate area that does not see exceptionally prolonged or heavy rainfall, over 50 bridges, many part of important highways, were heavily damaged or put out of commission, when high water itself washed them out or debris in the water smashed them. Numerous roads and railways were also washed out. At the peak of the flooding, the Don River's flow rate was 1,680 m3/s (59,000 cu ft/s). Normally the Don River flow is 10 m3/s (350 cu ft/s) rising to 100 m3/s (3,500 cu ft/s) during the spring.
By 1959 as a result of Hurricane Hazel, a regional approach to flood control and water management was adopted in Ontario and by 1959 the Metropolitan Toronto and Region Conservation Authority (MTRCA) finalized a comprehensive Plan for Flood Control and Water Conservation which included the proposed development of large dams and major flood control channels, with future plans for an erosion control program and the acquisition of 7,200 acres of land.
1973 Saint John River flood
Known as the Great Flood of 1973, this flood in late April 1973 was driven by a combination of snow melt and heavy rain. Flooding occurred almost the entire length of the river, with the worst damage in the Fredericton area. At the time it was the most serious flood on the Saint John River in historic times.
1979 Tropical Storm David hit Moncton
1984 Pemberton Valley flooding
In October 1984, a large rain system held its ground over Howe Sound and the Fraser Valley regions, leading to unprecedented rains on alpine snowpacks in the area of the Pemberton Valley. Waters backed up from Lillooet Lake to the Village of Pemberton overnight. North of that, the valley was flooded for 30 mi (48 km) upstream past Pemberton Meadows, caused by the dual "dams" created by the causeways used to cross the valley between Pemberton and Mount Currie, with the deepest waters reaching 10 feet above normal. 100 families were evacuated.
1986 Winisk flood
On May 16, 1986, the Northern Ontario community of Winisk was completely washed away. A spring ice jam on the Winisk River caused flood waters to reach as far as 6 km (3.7 mi) inland, sending every structure but two into the Hudson Bay.
1987 Montreal Flood
The Montreal Flood of 1987 happened on July 14 of that year when a series of strong thunderstorms crossed the island of Montreal, Canada, between the noon hour and 2:30 p.m. Over 100 mm (3.9 in) of rain fell during this very short period of time. The sewer systems were overwhelmed by the deluge and the city was paralyzed by the flooded roads. Autoroute 15, a sunken highway also known as the Decarie Expressway, soon filled with water trapping motorists. Some 350,000 houses lost electricity, and tens of thousands had flooded basements. Two people died, one in a submerged car and another who was electrocuted.
1996 Saguenay flood
Problems started after two weeks of constant rain, which severely engorged soils, rivers and reservoirs. The Saguenay region is a geological graben, which increased the effect of the sudden massive rains of July 19, 1996. In the span of a few hours, 11 in (280 mm) fell on the region, the equivalent to the amount of rain usually received in a month. The 1996 Saguenay Flood resulted in large Disaster Financial Assistance Arrangements (DFAA) payments.
1997 Red River flood, 'flood of the century': a return interval ranging from 100 to 500 years
According to the Red River Basin Task Force News, the Red River Flood of 1997 "deserved the superlative, the 'flood of the century'." The flood along the Red River of the North in North Dakota, Minnesota, and Southern Manitoba, in April and May 1997 was the most severe Red River flood since 1826. The International Joint Commission (IJC)'s 1998 report warned that although the 1997 Red River flood had a "return interval ranging from 100 to 500 years, depending on the location", there was a "statistical probability of a similar flood each year." It was the most severe flood of the river since 1826.
Flooding in Manitoba resulted in over $500 million in damages, although the Red River Floodway, an artificial waterway affectionately known as "Duff's Ditch" saved Winnipeg from flooding. This flood stimulated improvements to the flood protection system.
In Manitoba flood waters reached 21.6 ft (6.6 m), which caused 28,000 people to be evacuated and $500 million CAD in damage to property and infrastructure. The 1997 Red River Flood resulted in large DFAA payments.
The flood came close to overcoming Winnipeg's existing flood protection system. At the time, the Winnipeg Floodway was designed to protect against a flow 60,000 cu ft/s (1,700 m3/s), but the 1997 flow was 63,000 cu ft/s (1,800 m3/s). To compensate, the province broke operational rules for the floodway, as defined in legislation, during the night of April 30 / May 1, preventing waters in Winnipeg from rising above the designed limit of 24.5 ft (7.5 m) above the "James Avenue datum", but causing additional flooding upriver. The mayor of Winnipeg, announcing what should have been the bad news that the design limit had been reached, misinterpreted this as good news that the flooding had peaked. City sand-bagging stopped, and national reporters left the city, but the water continued to rise inside and outside of the city until the actual peak late on May 3 / early on May 4. The city sometimes claims the peak occurred on May 1, while more scientific reports record a peak on May 3/4.
2003 Pemberton-Sea To Sky Flooding
In the fall of 2003, a Pineapple Express system delivered more rain than ever in recorded history to the Sea to Sky region, and was compounded by the freezing line in the mountains being above the elevation of the many icefields in the region, causing immense amounts of meltwater on creeks coming out of them. Highway and rail bridges at Rutherford Creek were washed out by the torrent coming down that watercourse from the Pemberton Icecap, wrecking two vehicles and taking two lives. Meteorologists said that a storm such as this one happens only once a century. 200-350 millimetres of rain fell on the Village of Pemberton, while Squamish received 325 mm (12.8 in), 15% of the town's annual total. In addition to the Rutherford Creek bridges, another was washed out in the Cheakamus Canyon area of Highway 99, with the resort municipality of Whistler being cut off from the outside world during this storm.
An "extreme rainfall event that affected a large region of southern Ontario from Hamilton to Durham Region in August, 2005 resulted in over CAD 500 million in insured damages, CAD 247 million of which was associated with sewer backup."(Sandink & 2013 i)
"Newfoundland and Labrador experienced a severe spring storm on March 31, 2005 with record-setting snow and rain that resulted in flood damage to homes and provincial and local government infrastructure, primarily in the Burin Peninsula. The payment of CAD388,288 announced 8 June 2010 represents the total federal share for this event."
2008 Saint John River flood
During the month of April and May a rapid melt of snow set by an unusually severe winter caused the Saint John River to reach a height off 8.6 m (28 ft) matching and in some places surpassing the flood of the river in 1973 which caused CAD 11.9 million dollars in damages. It is the highest level of the Saint John river recorded.
2009 Red River Flood
The 2009 Red River Flood was a major flood in March and April 2009 along the Red River of the North in North Dakota, Minnesota, and Southern Manitoba. The flood crested at 40.82 ft (12.44 m) on March 28, 2009 for Fargo, North Dakota. "Southern Manitoba experienced the most widespread flooding along the Assiniboine River on record. Environment Canada said the flooding lasted for 120 days. Water levels rose so high in Lake Manitoba that some beach front homes ended up 3 km (1.9 mi) into the lake. The Manitoba government estimated 7,100 residents were displaced from their homes. Flood-fighting and compensation cost causing $1 billion." The CAD60 million Red River Floodway was built to mitigate flood damage on the Red River. Since its completion in the 1960s, it has saved an estimated CAD30 billion in damages in 20 flooding events.
2010 Southern Alberta and Saskatchewan flood
2010 Hurricane Igor in Newfoundland
2011 Assiniboine River Flood
The 2011 Assiniboine River Flood is a major flood in May 2011 along the Assiniboine River south of Portage la Prairie in Manitoba. The flood is expected in impact an 225 km/s (140 mi/s) area along the River south of Portage la Prairie. About 100 Canadian Forces personnel were in the region helping out in controlling the flooding. Damages totalled CAD 1 billion The river peaked at about 37,100 cu ft/s (1,050 m3/s),60% higher than the previous highest recorded peak of 23,000 cu ft/s (650 m3/s) in 1923. The 2011 event is estimated to be a 1 in 300-year flood. The 2011 Manitoba Floods DFAA payments are estimated at CAD347 million.
2012 Thunder Bay to Montreal
2013 Calgary and Southern Alberta Flood
The 2013 Calgary and Southern Alberta Flood started on June 20, 2013 and was focused in communities in and around Calgary. Waters rose quickly and by June 21, 100,000 had been evacuated. Government officials co-ordinated information on social media, and the City of Calgary's official website was replaced with its blog with up-to-the-minute information on the emergency. 
On June 20, 2013 widespread flooding in southern Alberta caused major damage in Canmore, Calgary and High River when the Cougar Creek, Highwood River, and other rivers and creeks overflowed caused by extensive rainfall. Other communities in the area were also affected, or were expected to be, by floods. Flooding also caused power outages and the closure of the Trans-Canada Highway and Highway 1A, as well as many other highways and roads. A man and a woman were reported missing after a mobile home was swept into the Highwood River near the town of Black Diamond; the man was later rescued, but the woman remained missing.
In a 1973 City of Calgary flood plain management report by Montreal Engineering Co. Ltd., estimates of flood-frequency of the Bow River upstream of the Elbow River in Calgary provided the following results: There is a 10-percent annual exceedance probability (AEP) flood or a 10-year flood return period with a peak flow or flood discharge reaching 850 m3/s (30,000 cu ft/s); there is a 4.5-percent annual exceedance probability (AEP) flood or 22-year flood return period with a peak flow or flood discharge reaching 1,420 m3/s (50,000 cu ft/s); there is a 1.4-percent annual exceedance probability (AEP) flood or 70-year flood return period with a peak flow or flood discharge reaching 2,270 m3/s (80,000 cu ft/s); there is a 0.7-percent annual exceedance probability (AEP) flood or 150-year flood return period with a peak flow or flood discharge reaching 2,840 m3/s (100,000 cu ft/s).
At c. 7 am on 21 June 2013 the Bow River at the Calgary station, upstream of the Elbow, peaked at c.1,740 m3/s (61,000 cu ft/s). In 2005 the peak flow was 791 m3/s (27,900 cu ft/s) and in 1932 the peak flow was 1,520 m3/s (54,000 cu ft/s). Only the floods of 1879 and 1897 in then Fort Calgary has higher peak rates, estimated at 2,265 m3/s (80,000 cu ft/s) based on high-water marks. This is a 100 Year Flood Map for Calgary, Alberta similar to the one produced in 1973 by Montreal Engineering Co. Ltd.
2013 Southern Ontario Flash Flood
On July 8, 2013 Southern Ontario experienced a flash flood, with 4" (10 cm) of rain falling over Toronto in just two hours.Live Science - Toronto floods rainfall record
Quantity and force of flooding events increasing
Between 2003 and 2013 Canada had nine disasters with damages surpassing CAD 500 million each. Prior to that only three Canadian disasters exceeded CAD 500 million in damages. The Centre for Research on the Epidemiology of Disasters (CRED) reports that the cost of natural disasters rose 14-fold since the 1950s.
Meteorology and Hydrology
On average, although regions differ markedly, Canada has become wetter since the 1950s. Mean precipitation across Canada increasing by about 12%. the high Arctic received the largest percentage increase in precipitation. From the 1950s through 2002, the Prairies experienced little change or a decline. Changes also impacted on stream flows which decreased in "southern Canada by about 8%.15" during the period covered in the study.
From 1975 to 1990 Canada's Flood Damage Reduction Program was part of a more active federal flood reduction approach. Through the Flood Damage Reduction Program, the federal and provincial governments shared costs of "mapping all the floodplains" and "creating standard flood risk evaluations." Most provinces and territories joined the Program.
Before 1990, only three Canadian disasters exceeded CAD 500 million in damages. In the past decade alone, nine surpassed that amount. In his 2013 publication, Slobodan P. Simonovic, Professor of Civil and Environmental Engineering, called for an investment in the reduction or minimization of future flooding instead of going from disaster to disaster, reacting after the fact.
In 2013 an Insurance Bureau of Canada commissioned report noted that, "On average, Canada now experiences 20 more days of rain compared with the 1950s." In the same report McBean noted that "the recent spike in extreme weather-related events" in Canada "resulted in social and economic consequences for individuals, governments, and home and business insurers around the country."
Disaster Financial Assistance Arrangements (DFAA), a Canadian Public Safety federal program, established in 1970, "allows provinces to request federal assistance when the cost of dealing with a disaster is more than CAD1 per capita, based on the province’s population. Eligible expenses include the cost of evacuating residents, restoring infrastructure and public works, and fixing basic and essential personal property. DFAA "support the provinces in providing or reinstating the necessities of life to individuals, including help to repair and restore damaged homes; re-establishing or maintaining the viability of small businesses and working farms; repairing, rebuilding and restoring public works and the essential community services specified in these Guidelines to their pre-disaster capabilities; and funding limited mitigation measures to reduce the future vulnerability of repaired or replaced infrastructure." The "1996 Saguenay Flood, the 1997 Red River Flood and the 1998 Ice Storm resulted in large DFAA payments to affected provinces. DFAA payments of over $1.1 billion were made for these three events. Since 1996, DFAA payments have averaged $110 million per year." The "four most significant events, which represents over 50% of Public Safety’s liabilities, are the 2011 Manitoba Floods estimated at CAD347 million, the Saskatchewan 2007 Spring Summer Flood at CAD138 million, the 2010 Alberta June Rainstorm at CAD90 million and the 2010 Hurricane Igor that affected Newfoundland at CAD82 million."
|Eligible provincial expense thresholds
(per capita of population)
|Government of Canada share
Private insurance: Overland flooding insurance not available in Canada
Canada, the provincial and federal government via the Canadian taxpayer, cover the cost of large-scale floods, as private insurers will not cover the cost of home owners' overland flooding damage. Canada is in a unique situation as the only G8 country where individuals cannot purchase this insurance. According to the IBC 2012 report, "Commercial insurance policies may provide coverage for damage due to overland flooding either as part of the commercial property policy or as a separate policy endorsement. "Private insurers cover sewage backup, but won't offer flood protection because the small population base of Canada means it's difficult for the companies to cover the cost of their risk."
In the 1980s local governments typically proceeded from flooding to panic to planning, and then to procrastination and the next flood.
Environment Canada had a flood damage reduction program from 1975-1998. In 2013 mitigation at the federal level was funded through the Disaster Financial Assistance Arrangements, the Building Canada Fund and Public-Private Partnership Canada. 2011 had a serious flood season. The 2012 "federal budget set aside almost CAD100 million to help the provinces and territories with the cost of permanent flood mitigation projects." 
George Groeneveld, MLA for Highwood, headed a flood mitigation committee consisting of representatives from Alberta Infrastructure and Transportation (INFTRA), Alberta Environment (AENV) and Alberta Municipal Affairs (MA). In their report they described how, "In Alberta, major floods along rivers and streams have resulted in loss of lives and hundreds of millions of dollars in damages. Major recent flood events occurred in 1995, 1997 and 2005. River floods can occur throughout the year with precipitation leading to summer floods (1995 and 2005 floods) and river ice creating a potential for flooding in the winter (1997 floods). River flooding in Southern Alberta during the spring of 2005 tragically resulted in the loss of 3 lives and an economic loss of hundreds of millions of dollars."(Groenveld & 2006 1) They noted that, "All levels of government have a role to play in a provincial flood mitigation strategy for Alberta.
For a large flood event, the federal government pays up to 90% of the disaster assistance funds and, therefore, should have an interest in a strategy to reduce economic losses. The province has responsibility for managing natural resources that includes regulating activities in the waterways, flood risk identification and flood forecasting. As well the province is responsible for a portion of disaster assistance funding. The municipal government is responsible for considering flood protection in land use bylaws and emergency management within their community if a flood event were to occur."(Groenveld & 2006 1)
One of their most important recommendations was the "cessation of the sale of Crown lands in known flood risk areas." The report noted that "Undeveloped flood plains are the natural and most effective form of flood mitigation, and this recommendation will protect those areas." The 2006 Provincial Flood Mitigation Report "recommended the completion of flood risk maps for urban areas in the province; a program to ensure those maps are updated; the identification of priority rural flood risk areas that require flood risk mapping; and making historic flood information available to the public on a website." The Highwood River at High River is "located at a change in slope of the channel on a basin in an area of high runoff potential, resulting in frequent flooding."
The Institute for Catastrophic Loss Reduction (ICLR) ’s mission "is to reduce the loss of life and property caused by severe weather and earthquakes through the identification and support of sustained actions that improve society’s capacity to adapt to, anticipate, mitigate, withstand and recover from natural disasters. ICLR is achieving its mission through the development and implementation of its programs Open for business, to increase the disaster resilience of small businesses, Designed for safer living, which increases the disaster resilience of homes, and RSVP cities, to increase the disaster resilience of communities." In their February 2013 report, ICLR offered a number of adaptive proactive measures that municipalities could undertake to mitigate damage from sewer backup, which is a serious problem across Canada, for homeowners, municipalities and insurers. During regional sewer backup events, at the lot-side, foundation drainage could be disconnected and eavestrough downspouts angled, to limit inflow of excess water into municipal sanitary sewer systems. Backwater valves reduce the "risk of sewer backup through isolation of homes from underground municipal sewers systems during sewer system surcharge."(Sandink & 2013 57)
Soft engineering: landscape-based
Landscape-based solutions to water management are offered as an "alternative to traditional infrastructure (pumping stations, levees, etc.)."[notes 5] Municipalities in Canada are encouraging soft engineering practices. After the 1954 flood in Toronto caused by Hurricane Hazel, Ontario "responded with strict floodplain protection legislation." By June 2013 Toronto had completed the The CAD Corktown Common project, a hilly park with pathways and prairie grasses, overlooking the mouth of the Don River, which doubles as a 8.5 m (28 ft)-high berm designed to protect the eastern downtown from a major flood, even a 500-year storm by shunting potential flood waters south toward the lake.
Ageing infrastructure and water damage
Most of the damage to homes and businesses in Canada during severe weather events like floods is linked to infrastructure failure with a large part of that resulting from water damage due to sewer backup. In many parts of Canada water systems are vulnerable, as ageing storm and sanitary sewer infrastructure, stemming from a "significant long-term deficit in infrastructure improvement" often results in infrastructure incapacities to handle the "new, higher levels of precipitation."
Gail Krantzberg, Professor and Director, Dofasco Centre for Engineering and Public Policy, McMaster University and United Nations University (UNU), argued that, "Our water infrastructure is becoming crippled, some would argue is severely crippled, and our institutions are not making the investments that we need in the face of demographic growth and the projections of climate change impacts on the hydrologic cycle."(Krantzberg & 2007 4) She explains that soft engineering, like reducing the amount of paving is not enough given the fundamental problem of old infrastructure inadequate in the face of storms that caused flooding in Calgary and Toronto in June and July 2013.
- "Events in the Canadian Disaster Database meet at least one of the following criteria: 10 or more people killed; 100 or more people affected/injured/evacuated or homeless; An appeal for national or international assistance was made; It was an event of historical significance; There was a level of damage/disruption such that the community affected could not recover on its own (PSC,2007) Canadian Disaster Database.
- The Boundary Waters Treaty of 1909 "established the International Joint Commission (IJC) as an organization designed to resolve disputes and to avoid conflicts between Canada and the United States from coast to coast (Krantzberg & 2007 2)."
- "In the 1960s, the United States government decided to use the 1-percent annual exceedance probability (AEP) flood as the basis for the National Flood Insurance Program. The 1-percent AEP flood was thought to be a fair balance between protecting the public and overly stringent regulation. Because the 1-percent AEP flood has a 1 in 100 chance of being equalled or exceeded in any 1 year, and it has an average recurrence interval of 100 years, it often is referred to as the "100-year flood" USGS 2010."
- The 100-year flood is generally expressed as a flowrate. Based on the expected 100-year flood flow rate in a given creek, river or surface water system, the flood water level can be mapped as an area of inundation. The resulting floodplain map is referred to as the 100-year floodplain, which may figure very importantly in building permits, environmental regulations, and flood insurance.
- Eighteen months after the Katrina disaster, Jane Wolff, landscape architecture expert worked with New Orleans community groups on the "Gutter to Gulf" project, focusing on landscape-based solutions such as planting water-absorbing native species in culverts, in New Orleans as an "alternative to traditional infrastructure (pumping stations, levees, etc.)."
- Sandink, Dan; Kovacs, Paul; Oulahen, Greg; McGillivray, Glenn (November 2010). Making Flood Insurable for Canadian Homeowners (PDF) (Report). A Discussion Paper. Toronto, Ontario: Institute for Catastrophic Loss Reduction & Swiss Reinsurance Company Ltd.
- Dan Sandink (February 2013). Urban ﬂooding in Canada: Lot-side risk reduction through voluntary retrofit programs, code interpretation and by-laws (PDF) (Report). ICLR research paper series (52). Toronto, Ontario: The Institute for Catastrophic Loss Reduction (ICLR):Building resilient communities. ISBN 978-0-9811792-9-2. Retrieved 7 July 2013.
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