Reading view

There are new articles available, click to refresh the page.

The Forest Service is cutting down more trees despite their ability to capture carbon

Logs
Reading Time: 6 minutes

President Trump is pushing federal agencies to expand timber harvests. He issued an executive order March 1 ordering the secretary of the Department of the Interior, the agriculture secretary and the chief of the United States Forest Service to come up with plans to increase logging, citing a goal to protect “national and economic security.” Trump also increased timber sales during his first term.

The U.S. Forest Service is already set to increase the number of trees it harvests to one of the highest levels since 2019, a result of Biden-era policies. 

But advocates argue that we need trees now more than ever and that this increase in timber harvest doesn’t make sense. The Forest Service is facing a lawsuit challenging the timber target policies that they say put the climate at risk. 

Advocates say the agency should protect mature forests with trees such as red oaks, which play a crucial role in storing and sequestering carbon. A single tree can store as much as 28,000 pounds of CO2 in its lifetime, the equivalent of annual emissions from generating electricity for one to two American homes.

The Forest Service routinely logs in national forests – it’s part of its standard management plan. In a 2022 report to Congress, the agency said it would increase logging in the east, south and Pacific Northwest. The eastern and southern regions, covering all national forests from the Mississippi River to the Atlantic, have historically been logged the most. 

The pandemic disrupted the agency’s plan to increase timber harvests. The agency is increasing its harvest to 4 billion board feet in 2026, said Spencer Scheidt, staff attorney at the Southern Environmental Law Center. That’s “enough lumber to circle the globe more than 30 times,” according to the law firm. 

How timber targets work

National Forest Service spokesperson Wade Muehlhof said in an email that the service has stepped up its forest management efforts over the last 15 years. But the volume sold on the private market has fluctuated.

Muehlhof said reducing wildfire risk has contributed to the increase in the number of acres logged, but a decrease in volume sold. Other factors causing the timber targets to decrease recently included “increased operating costs, litigation, wildfire, flat budgets, and reduced capacity.”

The Forest Service was established by Congress to provide timber for the nation’s benefit and was later directed to broaden its management scope to include additional multiple uses and benefits.

Each year, the Forest Service’s Washington office assigns timber targets to its nine regional offices. It's then handed down to individual national forest units, which then develop projects to meet those goals. The national forests then set up timber sales to private companies.

But as the world warms, and the impacts of climate change worsen, advocates say the Forest Service has never “accounted for the aggregate carbon effects of actions taken to fulfill its timber targets,” according to the complaint in the lawsuit.

Muehlhof confirmed the agency “does not account for the aggregate carbon effects of actions when setting its timber targets because it upholds a carbon stewardship posture and does not manage for carbon.”

Advocates pointed out that the Forest Service has a legal obligation under the National Environmental Policy Act (NEPA) to assess the environmental impacts of its projects. NEPA has twin aims, requiring agencies to consider the environmental impacts of proposed actions and inform the public of how those impacts factored into their decisions. 

But many Forest Service projects receive exclusions, allowing certain projects to skip the more in-depth environmental reviews because they’re considered to have little or no impact on the environment.

Three Forest Service projects named in the lawsuit, including national forests in the east and south, have gone through environmental assessment per NEPA, which requires assessing carbon effects of proposed projects. But advocates said the Forest Service failed to comply with the federal regulation because it underestimated the carbon effects of these projects when setting timber targets.

Forests store carbon

Trees are an incredibly effective carbon sink, removing CO2 from the air and sequestering it for generations, if left alone. Hardwood trees – such as oak and hickory, commonly found in many states east of the Mississippi River – typically store more carbon than softwoods, like pine.

Recent research shows that aging forests in the region have great potential for carbon storage, which can increase even further as they mature.

Most forests in the Central Hardwoods Region, which stretches from Missouri to West Virginia, are second-growth, having been logged at least once over the past two centuries. Only a handful of these forests are truly old-growth, with trees older than 150 years and minimal human disturbance over the last several decades.

During westward expansion, the Midwest experienced significant deforestation as settlers, farmers and logging companies cleared forestlands over several decades. This clearance was driven by the need for agricultural land, timber resources and urban development, leading to profound changes in the region’s landscape.

“Even the large, mature forests you see today in the Ozarks are not the original forests that existed 200 years ago,” said Michael Bill, Missouri’s state forester.

Older forests capture CO2 more slowly, but are crucial for carbon storage and continue to play a significant role in locking up carbon as they grow.

Looking up at tall trees from forest floor
Cathedral Pines State Natural Area in the Chequamegon-Nicolet National Forest in northern Wisconsin is pictured in 2017. (Chelsey Lewis / Milwaukee Journal Sentinel)

Advocates are concerned that old-growth forests will be at risk if timber targets increase. Josh Kelly, resilient forests director for MountainTrue, an environmental organization based in North Carolina and one of the plaintiffs in the lawsuit against the Forest Service, explained that the targets are measured by volume rather than acres and could effectively encourage cutting older, bigger trees, which store the most carbon.

The Biden administration proposed amending all forest land management plans in 2024 to protect old-growth forests across the entire National Forest System, which spans 43 states. The proposed plan, called the National Old-Growth Amendment, aimed to prohibit commercial logging on nearly 25 million acres of old growth. But ProPublica found it has allowed the Bureau of Land Management to cut old-growth trees at a faster rate than the previous decade.

The Forest Service withdrew from the plan in January, and environmentalists see an opportunity to protect old forests but remain cautious, given the likelihood that the Trump administration will continue to increase timber sales. Forest Service Chief Randy Moore said in a statement that the agency has gained “important insights that can help to guide our future stewardship of these special forests.”

Ryan Talbott, conservation advocate for WildEarth Guardians, said increased timber targets contradict the plan to protect old-growth forests. “On the one hand, you’re telling the public we’re going to protect and recruit old growth, and then on the other, you’re telling … the regions we need to increase logging,” he said.

“This is a really easy way to actually combat the climate crisis if we just allow trees to grow and continue to grow and not cut them,” Talbott added.

About two-thirds of the carbon storage in forests happens underground, not in the trees, research shows. But when trees are cut down, the carbon gradually reenters the atmosphere.

Too much emphasis on cutting timber

MountainTrue advocate Kelly said the Forest Service puts too much emphasis on cutting timber. The main problem is that “it’s elevated above other goals, and it’s something that forest leadership is evaluated on in their performance reviews annually,” he said, adding he believes some of the organization's records requests to the Forest Service support this. The Forest Service did not respond to this claim. 

MountainTrue’s goal isn’t to stop timber harvest, but to ensure a “balance” between logging and the risk of exacerbating climate change, Kelly said.

He said the lawsuit only applies to the east and south regions under the Forest Service, adding that “some of the timber harvests happening out west (are) legitimate and needed to reduce wildfire risk.” In the complaint, the plaintiffs asked the court to stop the Forest Service from offering any more timber sales for fiscal year 2024 in the eastern and southern regions “excluding harvests necessary to mitigate wildfire risks.”

In a response to the lawsuit in May, the Forest Service didn’t address the concerns about carbon storage and sequestration; instead, it claimed that the legal challenges didn’t target any specific, final decisions made by the government that the court can review.

Trees reflected in lake
Trees are reflected in Noblett Lake in Mark Twain National Forest in Missouri on Oct. 20, 2022. (Justin Adams / Courtesy of the U.S. Forest Service)

Caroline Pufalt, with the Missouri chapter of the Sierra Club, said excessive logging can greatly affect wildlife habitats because it changes how much sunlight an area is exposed to and how quickly water flows through the land. Trees act as natural water regulators. Their roots help to absorb and retain water, allowing it to slowly seep into the ground rather than running off immediately.

“If you were an amphibian … standing around on the forest floor and knew where your little wet areas were likely to be, they would not be there again for … a good number of years,” she said.

Eventually, Pufalt said National Forests should “forget about the timber target” and focus on managing forests based on ecological principles. While timber production would still occur, it would be balanced with ecological considerations, potentially resulting in reduced timber yields but healthier, more resilient forests.

This story is a product of the Mississippi River Basin Ag & Water Desk, an independent reporting network based at the University of Missouri in partnership with Report for America, with major funding from the Walton Family Foundation. Wisconsin Watch is a member of the network. Sign up for our newsletters to get our news straight to your inbox.

The Forest Service is cutting down more trees despite their ability to capture carbon is a post from Wisconsin Watch, a non-profit investigative news site covering Wisconsin since 2009. Please consider making a contribution to support our journalism.

Bogs hold a climate solution through carbon capture, but many have been drained

Wetland with snow
Reading Time: 4 minutes

Peat bogs sequester a massive amount of the Earth’s carbon dioxide. But even as scientists work to better understand bogs’ sequestration, the wetlands are under threat.

On a cold winter afternoon, naturalist and educator Mary Colwell guided visitors on a chilly tour of the Volo Bog Natural Area in northern Illinois. 

Crouching down from a boardwalk that runs through the wetland, Colwell pointed to one of the stars of the tour: sphagnum moss. With her encouragement, the group touched the little branch-like leaves of the pale green moss growing at the base of a nearby tree.

“Then in warmer weather, this is so soft,” Colwell said. “It’s unreal.”

Bog ecosystems are some of the most efficient carbon storage ecosystems in the world. They cover just 3% of the Earth’s surface, yet hold up to 30% of global carbon.

The bog’s keystone species, sphagnum moss, plays a key role in its storage capacity. Sphagnum acts like a sponge — it holds up to 20 times its weight in water.

Woman in winter jacket and hat stands on a boardwalk in a bog.
Longtime nature educator Mary Colwell leads a small group of visitors on a walk through the Volo Bog Natural Area. (Jess Savage / WNIJ)

“Sphagnum moss itself is incredible,” Colwell noted. “It’s very slow-growing.”

It grows so slowly, in fact, that it can take thousands and thousands of years for a peat bog to develop. Volo Bog started to form from a glacial lake more than 6,000 years ago. It’s still encroaching on the center of the lake, called the “eye” of Volo Bog.

But while bog ecosystems provide habitat, filter water and store carbon, they have been disappearing for decades. Wisconsin has lost half of its wetlands. In Illinois, more than 90% of wetlands have been lost. There are about 110 million acres in the United States, with more than half in Alaska — but nearly 70% have been drained and developed over the past 100 years. 

Unlocking sphagnum moss’s secrets 

Scientists think sphagnum moss may hold important lessons about carbon dioxide sequestration, but there’s much they don’t know. 

Sona Pandey is the principal researcher at the Danforth Plant Science Center in the St. Louis suburbs and is part of a team researching sequestration and bogs. 

“The first time I saw a peat moss under the microscope I just literally fell in love with it,” Pandey said. “That’s the only way to describe it. It’s beautiful to look at.”

Pandey’s research team is growing moss in a lab, studying its DNA, and trying to figure out how it is threatened by climate change — and how it could be a solution. 

Moss pokes through snow.
Sphagnum moss pokes through a thin layer of snow. Sphagnum grows in mats, but it can also grow around the base of tree trunks. (Jess Savage / WNIJ)

Moss excels at storing carbon. It thrives in waterlogged, acidic conditions. It doesn’t decompose, acting almost like a giant mat of living carbon. 

But when it’s threatened, that carbon has to go somewhere. The main threat to bogs – draining for development and agriculture – exposes these waterlogged species to air, which kick-starts the decomposition process from microbes. 

“It is a possibility that all the carbon which is stored in peat bogs at the moment will be released to the atmosphere,” Pandey said, noting how it will become a greenhouse gas.

She said if we understand these mosses on a microscopic level, scientists and conservationists can better protect and restore them on a larger scale. Her research could lead to making informed decisions about which species would be more successful to reintroduce as part of potential restoration projects.

Protecting what’s left 

Historically, bogs have been undervalued, often drained to make land more usable.

Trisha Atwood, an associate professor and ecosystem ecologist at Utah State University, said people are slowly beginning to see them in a new light.

“There has been substantial changes in people’s perception of these wetlands just because they don’t typically hit people’s top 10 most beautiful places,” Atwood said. “Governments are starting to realize that they have these other benefits.”

While forests and forest soil often get attention for their carbon sequestration, Atwood said wetlands are even more important, storing 30 to 50 times faster and at a higher rate than other systems.

“They’re like no other ecosystem on Earth,” she said.

Animal tracks in snow
Animal tracks are left in snow at Volo Bog in Illinois. Muskrats, rabbits, squirrels, weasels, mink and opossum are all found in the bog. (Jess Savage / WNIJ)

Even as some aspects of wetlands are seen as more valuable, a 2023 Supreme Court decision rolled back most existing protections for these ecosystems. The Sackett v. The EPA decision ruled that the Clean Water Act doesn’t protect wetlands that aren’t continuously connected to bigger bodies of water. The decision has been criticized for putting ecosystems, like bogs, at risk. 

Rebecca Hammer is an attorney for the freshwater ecosystems team at the Natural Resources Defense Council, an environmental advocacy group. She said peat bogs are particularly affected by the Sackett decision because they are mostly isolated from larger bodies of water.

“They generally begin their life as a lake that doesn’t have a drainage or connection to another water body, which allows vegetation and plant material to collect,” she said, “and the sphagnum mosses that grow there to collect over 1000s of years.”

About half of U.S. states have existing legal protections for wetlands, but these ecosystems in 24 states are left without any protections, legal or otherwise.

There are bogs scattered throughout the Mississippi River basin all the way down to the coast. 

Hammer said the decision could have a near-permanent effect on bogs.

“When peat bogs are destroyed or polluted, affected by development, we lose all of those benefits,” she said. “We really can’t replicate peat bogs. They take thousands of years to form. So once they’re gone, they’re gone.”

Two women stand in an area with brown grass and a path nearby.
Amy Runkle and Mary Colwell, Volo Bog educators, stand at the “eye” of Volo Bog. This is the center of the bog, where for thousands of years, wetland plants like sphagnum and tamarack trees have been slowly encroaching from the edges of the lake left behind by a glacier. (Jess Savage / WNIJ)

Colwell, who takes visitors on tours at the Volo Bog, says more needs to be done to protect what’s left. 

“We’re trying to restore these natural systems,” she said, “and when we restore them, they can increase the amount of CO2 that they will take.”

This story is a product of the Mississippi River Basin Ag & Water Desk, an independent reporting network based at the University of Missouri, of which Wisconsin Watch is a member, in partnership with Harvest Public Media, a collaboration of public media newsrooms in the Midwest. Sign up for Wisconsin Watch’s newsletters to get our news straight to your inbox.

Bogs hold a climate solution through carbon capture, but many have been drained is a post from Wisconsin Watch, a non-profit investigative news site covering Wisconsin since 2009. Please consider making a contribution to support our journalism.

Opting for coexistence: Some Wisconsin landowners learn to live with beavers

Person in canoe paddles in pond.
Reading Time: 9 minutes
Click here to read highlights from the story
  • Beavers’ conflicts with humans include chewing trees, plugging culverts and flooding roads and farm fields.
  • Traditional responses involve trapping and dam breaching, but generally, these interventions require regular enforcement because new beavers move in.
  • Advocates and ecological consultants are popularizing flow control devices as a solution — limiting beavers’ damming behavior and reducing impacts on human infrastructure.

Katie McCullough loved Arizona winters, but hot summers could be a drag. After purchasing a recreational vehicle, she spent time trekking cross-country to deliver shelter dogs to a no-kill rescue. 

McCullough, 56, visited friends and family, too, with her own canine pack — then, Rosy, Eddie Spaghetti, Ky, Pally, Duke, Nudge and Nutter Butter — a tossed salad of breeds.

During the pandemic summer of 2020, she once again loaded her RV and found respite in Dane County public parks. Why not make Wisconsin a half-year thing, she thought, with space for her and the pups?

McCullough, who works in cybersecurity, heard about 36 acres near the village of Rio. She purchased the property, sight unseen, and its spring-fed pond the following year.

“I don’t regret it at all,” McCullough said with a laugh.

She soon met the neighbors — about 10 furry lodge dwellers.

McCullough realized she had a beaver problem.

They live atop a small muddy island and constructed a dam roughly a decade ago. Fuzzy cattails grow across its 20-foot breadth. The dam left a once-lovely creek bone dry. 

Backed-up water enlarged the surrounding marsh and pond, where sandhill cranes, geese and ducks meander through a boggy stew of algae, lily pads and submerged logs.

Rooted in sodden ground, tall oaks — some more than 100 years old — withered and toppled. McCullough couldn’t access several acres of her property. 

Friends, family and locals recommended trapping the rodents and blowing the dam sky-high with Tannerite. 

The solution seemed dramatic and destructive.

“We’re all here for a purpose, right? To think that beavers are just born a nuisance,” McCullough said. “It’s tough because some populations do have to be controlled if there aren’t natural predators. But I’m not good at being a natural predator.”

Surely, other options besides trapping or bystanding existed.

Damming behavior

Beavers once numbered between 60 million and 400 million across the North American landscape, but development and unregulated hunting nearly decimated them. Twentieth-century conservation efforts helped beavers recover somewhat — to an estimated 1.5% to 20% of their historical population.

Conflicts with humans ensued as beavers returned to their former ranges: chewing trees, plugging culverts, flooding roads and farm fields.

Few studies quantify the costs of beaver damage, and the limited data are decades old. One pinned annual timber losses in Mississippi at $621 million, adjusted for inflation, while another determined that every dollar spent on beaver control saved that state $40 to $90.

Traditional responses involve trapping and dam breaching, but generally, these interventions require regular enforcement because new beavers move in.

Surveys show trapping support increases when people experience beaver-related damage, but an expanding body of research showcasing beavers’ ecosystem and economic benefits is drawing attention to the drawbacks of removal.

When beavers remain on the landscape, they create wetlands, which mitigate climate change impacts like drought, wildfires and flooding — problems increasingly seen in the Midwest. Other wildlife also depends on the habitat.

A growing chorus of advocates and ecological consultants are popularizing flow control devices, a solution to beaver flooding problems. They limit beavers’ damming behavior and reduce impacts on human infrastructure.

Hand-constructed with flexible plastic pipes and wire fencing, several types exist: pond levelers, culvert fences and decoy dams. Some bear trademarks like Beaver Deceiver and Castor Master.

They aim to reduce the desirability of potential dam sites, redirect beavers’ attention or “sneak” pond water away without attracting their notice. And they aren’t terribly common in Wisconsin. 

Woman in red sweatshirt and gray hat in a field with plants rising above her head
Katie McCullough is shown alongside the pond on her property on Oct. 18, 2024, near Rio, Wis. (Joe Timmerman / Wisconsin Watch)

McCullough opted for coexistence.

State wildlife agencies generally regulate a trapping season to manage beaver populations and minimize property damage. Wisconsin’s forestry and fisheries divisions, dozens of municipalities, railroad companies and some tribal governments also contract with the U.S. Department of Agriculture to remove beavers and dams from designated lands and waters.

The state imposes few restrictions for handling nuisance beavers on private property.

The Wisconsin Department of Natural Resources doesn’t remove them at landowner request or offer damage compensation, but people may hunt or trap beavers and remove their dams on their property without obtaining a license.

If a beaver dam causes damage to a neighboring property, the injured party may enter the property where the dam lies and remove it without being charged with trespassing.

There also are risks to ignoring one’s beavers. 

People who own or lease beaver-occupied land and don’t allow their neighbors to remove them are liable for damages.

Ditching dynamite

But Wisconsin wildlife managers recommend people consider alternatives before killing the animals, including flow devices like pond levelers.

They date to at least the 1920s when USDA Chief Field Naturalist Vernon Bailey proposed using an “entirely successful” drainage pipe constructed with logs and threaded through the dam.

An excerpt from an Oct. 18, 1922, publication of “Beaver Habits, Beaver Control, and Possibilities in Beaver Farming” is shown. The author was USDA Chief Field Naturalist Vernon Bailey, who proposed using a drainage pipe constructed with logs and threaded through the dam.

“It is useless to tear out or dynamite beaver dams, as the beavers, if active, will replace them almost as fast as destroyed,” he remarked.

Subsequent testing indicated that early levelers sometimes failed, but the concept has evolved.

Modern devices control water height using a flexible plastic tube resting on a pond’s bottom. A cage surrounds the intake and prevents beavers from swimming close enough to detect flowing water, which researchers believe triggers their building itch. The other end of the tube passes through the dam, forming a permanent leak.

Installers say levelers, which cost $2,000 to $4,000, function for about 10 years, and annual maintenance takes less than an hour. They can modify setups to accommodate fish passage, narrow and shallow streams, large ponds and downstream beaver dams.

“No two beaver situations are the same,” said Massachusetts-based Beaver Solutions owner Mike Callahan, who has installed more than 2,000 flow devices and trains consultants. “The best solutions obviously are going to be ones that work for the beavers and that work for us.”

States throughout the Mississippi River basin, including Illinois, Kentucky, Minnesota and Missouri, recommend flow devices, but with varying awareness of best practices. The Arkansas Game and Fish Commission and University Extension even advertised Bailey’s design from 1922.

Pond levelers relatively uncommon in Wisconsin

Wisconsin residents have constructed beaver pond levelers, as have the Department of Natural Resources and USDA. But state natural resources staff say they rarely receive inquiries.

Despite their simple design, obtaining state authorization to install a flow device often takes longer than other activities like small-scale dredging and riprap installation because Wisconsin lacks a standard pond leveler permit.

Man stands between long black tube and pond amid tall grass and wetlands.
Dan Fuhs, co-owner of Native Range Ecological, installs a pond leveler in October 2023, near the village of Rio, Wis. (Courtesy of Clay Frazer)

Projects can vary across designs, siting and placement, with potentially significant impacts to where and how pond water flows, said Crystal vonHoldt, department waterways policy coordinator.

That makes it hard to develop a catch-all permit, but time-pressed agency staff certainly welcome any opportunity to streamline their review process, she said.

The law requires employees to evaluate impacts to water quality, navigation, wildlife, scenic beauty and public access to boating and fishing.

A department staff member told McCullough’s contractor and restoration ecologist Clay Frazer — who has overseen multiple beaver-related projects in Wisconsin like mock beaver dams — that many landowners opt not to install them after learning of the challenges.

Hiring a consultant to navigate the process can be cost-prohibitive. McCullough’s bill exceeded $10,000, but a grant offset it.

Proponents say the meaty requirements usher landowners toward a lethal resolution, which Wisconsin’s beaver trapping rules seemingly favor.

Community levels with beavers

Billerica, Massachusetts, had a flooding problem.

The town’s troubles followed a 1996 statewide voter referendum that banned foothold traps. Conflicts increased as the beavers expanded into the community, home to more than 42,000 residents along with wetlands, streams and two rivers. Prime habitat.

Things came to a head in 2000, and the town contracted with Callahan to address the problem non-lethally. At 43 locations where the town traditionally utilized trapping, he installed flow devices.

“They’re kind of instrumental in preventing certain culverts and major roads here in town from getting flooded,” said Isabel Tourkantonis, the town’s director of environmental affairs.

Trapping continued at another 12 sites because the devices either failed or the landscape made their use untenable.

Beaver footprints in mud
Beaver footprints indent the mud atop a dam on Katie McCullough’s property, Oct. 18, 2024, near Rio, Wis. (Joe Timmerman / Wisconsin Watch)
Sun shines on water
The afternoon sun shines on the surface of Katie McCullough’s pond on her property on Oct. 18, 2024, near Rio, Wis. (Joe Timmerman / Wisconsin Watch)

Non-lethal management saved Billerica taxpayers $7,740 annually in avoided trapping and dam removal costs, according to a town analysis. The number of beavers killed dropped more than fivefold.

Maintaining 380 acres of beaver-created wetlands provided an estimated $2 million of free services each year, including water filtration, flood reduction and plant and wildlife habitat.

“It’s not just a matter of, ‘Let’s trap them and get rid of them,’” Tourkantonis said. “They also create important habitat that needs to be protected.”

Since the study concluded five years ago, the number of conflict sites has increased to 60, and Billerica annually budgets $15,000 for trapping and device maintenance.

Compared to fixing beaver-damaged roads and culverts, it’s a bargain, Tourkantonis said.

“If there’s a way to co-exist with an important animal population, that’s, I would think, the goal.”

Massachusetts landowners navigate a different permitting process.

To install a flow device, trap beavers out of season or remove a dam, they only need to obtain approval from a local health board or conservation commission — generally at little cost. It takes a few days.

Staff at the federal, Vermont and Massachusetts fish and wildlife agencies characterized the events that led to Massachusetts’ current system — beginning with the 1996 referendum — as a “calamity by design.”

The changes effectively ended state-regulated wildlife management, they reported, leading to increased confrontations with and negative views of beavers along with illegal trapping.

However, Tourkantonis said the new procedures cut “through the red tape and make it a little bit easier for folks to address an immediate public safety hazard.”

Flow devices have limits

Scientists have conducted virtually no peer-reviewed research evaluating the effectiveness of flow devices.

But studies supporting their use documented financial savings, high customer satisfaction and trapping reduction.

Callahan analyzed 482 sites where he added flow devices or trapped and found only 13% of pond levelers failed within two years compared to 72% of trapping sites to which beavers returned.

Aerial view of land with fall colors and water
Katie McCullough’s pond leveler is placed alongside a beaver dam on her property. (Joe Timmerman / Wisconsin Watch)
Structure in the middle of water
Katie McCullough’s pond leveler is placed alongside a beaver dam on her property on Oct. 18, 2024, near Rio, Wis. (Joe Timmerman / Wisconsin Watch)
Beaver sticks its head out of water
A beaver swims across a pond on Katie McCullough’s property on Oct. 23, 2024, near Rio, Wis. (Joe Timmerman / Wisconsin Watch)

Yet flow devices aren’t silver bullets.

A study conducted by the USDA’s wildlife control agency in Mississippi indicated that half of levelers failed to meet landowners’ goals — although the participants didn’t always maintain them.

Callahan, like many coexistence proponents, attributes device ineffectiveness to the faulty installation of outdated models. They say this can confirm preexisting beliefs that flow devices are ineffective, or at best, temporary solutions.

“If they’re designed properly with the right sturdy materials and installed properly, these things work great,” he said. “If you have a crappy design, yeah, it’s not going to work.”

But Callahan estimates one in four beaver showdowns in Massachusetts require trapping.

Levelers aren’t effective in high-flow streams or developed floodplains, he said, where even a foot of water could swamp a home or neighborhood.

Drainage and irrigation ditches also aren’t ideal sites nor locations where water must be lowered to a depth in which beavers can’t live. Otherwise, they’re liable to build a new dam.

Jimmy Taylor, assistant director of the USDA’s National Wildlife Research Center, said flow devices have their uses but aren’t a beaver control substitute.

“If you’re looking at a large scale, simply putting in flow devices may not solve all of your problems, and it might not even be an applicable tool,” he said.

Damage control can alternatively involve removing dams, lodges and the plants beavers eat; installing fences or scary props and noisemakers; applying spicy or bitter repellants to food sources; and shooting.

“To try to just focus on one tool only, whether it’s lethal or non-lethal, is just not pragmatic,” Taylor said.

People tolerate beavers until conflict reaches a threshold.

One study found attitudes toward them soured in urban and rural areas, and people grew more accepting of lethal control as damage severity increased. Meanwhile, acceptance of flow devices decreased.

But another survey found that most landowners were open to beavers remaining on their property when they were offered incentives like technical assistance or compensation — a finding that could bolster support for investing in non-lethal techniques.

Previous efforts in Congress to appropriate several million dollars toward those efforts have proven unsuccessful.

Seeking to change ‘hearts and minds’

Frazer and McCullough hope to streamline Wisconsin permitting, making their case “one good flow device at a time.”

“It’s statutes. It’s permitting,” Frazer said. “But it’s also just hearts and minds. It’s people changing the culture of how they think about beaver.”

Their ponds look messy — dead trees and all — but to beaver backers, their value rivals rainforests or coral reefs.

“Let nature participate in what we need to accomplish,” McCullough said.

Smiling, buck-toothed beaver statue
A painted concrete beaver sits outside Katie McCullough’s home on Oct. 18, 2024, near Rio, Wis. During the process of installing a pond leveler, family members and friends gifted McCullough a variety of beaver-themed gifts. (Joe Timmerman / Wisconsin Watch)

A smiling, buck-toothed beaver statue inconspicuously sits on the gravel driveway outside her home. Its concrete paws grasp a skinny tree stump, chewed to a sharp point.

McCullough’s sister, who lives in North Carolina, located the cartoonish creature on Facebook and gave it a fresh paint job — a family rib over McCullough’s beaver troubles.

Too heavy to mail, the 50-pound figurine hitched rides to weddings and socials, crawling its way north to Wisconsin like a baton handoff in a relay.

After a year, it finally arrived.

Editor’s Note: This story was updated to clarify how many beavers were on Katie McCullough’s property.

This story was produced in partnership with the
Mississippi River Basin Ag & Water Desk, an editorially independent reporting network, of which Wisconsin Watch is a member. It was also reported with support from the Solutions Journalism Network, a nonprofit organization dedicated to rigorous and compelling reporting about responses to social problems. Sign up for Wisconsin Watch’s newsletters to get our news straight to your inbox.

Opting for coexistence: Some Wisconsin landowners learn to live with beavers is a post from Wisconsin Watch, a non-profit investigative news site covering Wisconsin since 2009. Please consider making a contribution to support our journalism.

New federal law addresses climate extremes and flooding along Mississippi River

Mississippi River
Reading Time: 6 minutes

Flood control along the Mississippi River is a central piece of a newly passed federal law — work that advocates believe is critical as the river basin sees more frequent and severe extreme weather events due to climate change

The Water Resources Development Act (WRDA) is passed by Congress every two years. It gives authority to the U.S. Army Corps of Engineers to undertake projects and studies to improve the nation’s water resources. 

Signed into law Jan. 4, this year’s package includes studies on increased flooding in the upper basin, flood mitigation measures throughout the river system, ecological restoration, and a $6 billion floodwall in Louisiana. 

The Mississippi River is managed in large part by the Army Corps, so it often features prominently in the bill, with a dual aim of making the river more suitable for shipping and restoring environmental degradation from flooding, nutrient pollution and climate change. 

Kirsten Wallace, executive director of the Upper Mississippi River Basin Association, called this year’s WRDA “a pretty special one.” She said it contained wins for many of the diverse stakeholders along the river, including shippers, environmental advocates, riverfront communities and federal and state agencies — who don’t always agree. 

Advocates lauded the law’s emphasis on nature-based solutions. In a press release, Stephanie Bailenson, policy team lead for The Nature Conservancy, said, “Since 2016, Congress has directed the corps to consider natural and nature-based solutions alongside or instead of traditional infrastructure. This latest act continues that trend.”

But all of these projects are only promised because funding doesn’t come until later, when Congress appropriates it. Many projects authorized in previous versions of the law are still unfunded, according to the Congressional Research Service.

Here’s what will affect the river in the Water Resources Development Act of 2024: 

Study of flood risk on the upper Mississippi River

The law authorizes a large-scale study of flooding on the Upper Mississippi River System, which includes the Mississippi River from its headwaters to where it meets the Ohio River at Cairo, Illinois, as well as the Illinois River and portions of some smaller tributaries.

The upper river has seen two major floods in the last few years: one in 2022 and one in 2019, which lasted for months and caused billions of dollars in damage

The study’s chief goal: figuring out how to reduce flood risk across the entire river system, instead of relying on municipalities to try to solve flooding problems themselves, which can sometimes have impacts downstream. North of St. Louis, for example, levees constrain the river to protect communities and valuable farmland from flooding — and some levee districts have raised those levees higher, safeguarding themselves but effectively pushing floodwaters faster downstream. 

“This plan allows more of a comprehensive way for levee districts to improve what they currently have … in a way that doesn’t put them in a position to be adversarial or just impose risk somewhere else,” Wallace said. 

She said the study will be a challenge, but that levee districts are eager for solutions as flood risks and heavier rainfall increase

Once the study receives funding, it will be led by the Army Corps’ St. Louis District, Wallace said. It’ll solicit input from cities, towns and ports along the river, recreators, the shipping industry and federal environmental agencies like the U.S. Fish and Wildlife Service and the U.S. Geological Survey. 

Flood projects for cities from the headwaters to the delta 

Cities and towns along the river could get help for the localized effects of flooding too, thanks to several projects authorized by the law. Upstream, that includes La Crosse, Wisconsin, which will enter into an agreement with the Army Corps to study the role of the city’s levees, which were constructed around the river’s record flood in 1965

“We have to have an eye on maintaining what we’ve got and looking toward the future and whatever conditions the river might undergo to be prepared as best we can,” said Matthew Gallager, the city’s director of engineering and public works. “Because obviously, nature is going to win.” 

Downriver, Louisiana secured the largest project authorization within the law. To protect communities in St. Tammany Parish, a county north of Lake Pontchartrain, Louisiana, plans to build a $5.9 billion levee and floodwall system totaling 18.5 miles in length to protect over 26,000 structures, most of which are family homes. 

Aerial view of four ships on a river
Freight ships make their way north along the lower Mississippi River in Plaquemines Parish, Louisiana, on June 7, 2024. (Tegan Wendland / Mississippi River Basin Ag & Water Desk, with aerial support provided by SouthWings)

The St. Tammany Flood Risk Management Project is slated to receive $3.7 billion in federal funding. The other 35% will come from non-federal sponsors, such as the Louisiana Coastal Protection and Restoration Authority (CPRA). 

“By authorizing the St. Tammany project for construction, Congress recognizes again the national importance of Louisiana and that CPRA can work with the federal government to execute a multi-billion coastal protection project successfully,” said CPRA Chairman Gordy Dove.

The law also authorizes a federal study of the Lake Pontchartrain Storm Surge Reduction Project, a component of Louisiana’s Coastal Master Plan meant to protect nine parishes bordering the lake. The Army Corps will investigate whether the proposed project to reduce flood risk is in the federal interest. 

Other approved flood control projects will be funded along the lower Mississippi River and its tributaries, including the Ouachita River in Louisiana. Several counties in Mississippi will also receive funding to improve environmental infrastructure, such as water and wastewater systems. 

Near Memphis, the bill authorizes the Hatchie-Loosahatchie Ecosystem Restoration project, which covers a 39-mile stretch of the lower Mississippi River. The project aims to manage flood risks while also restoring and sustaining the health, productivity and biological diversity of the flyway. 

In New Orleans, a study was authorized to investigate ecosystem restoration and water supply issues, such as the mitigation of future saltwater wedges that threaten drinking water and wetlands at the very end of the Mississippi River. 

More support for the Upper Mississippi River Restoration program 

The law also increases the amount of money Congress can give to the Upper Mississippi River Restoration program, which funds habitat restoration activities and scientific research on the upper river. 

Congress increased the money it can direct to the research part of the program by $10 million, bringing the total the program can get to $100 million annually. 

Aerial view of highway bridge over a river
Interstate 80 passes over the Mississippi River in an aerial photo taken from the east on Sept. 18, 2023. (Nick Rohlman / The Gazette, with aerial support provided by SouthWings)

The funding boost “really is a recognition of the value of the science … the understanding that has improved about how the system is functioning over the last three decades,” said Marshall Plumley, the Army Corps’ regional manager for the program. 

If given extra funding, Plumley said program staff want to use it to better understand the effects of the increased amount of water that has flowed through the river in recent years. That increase, partly attributed to wetter conditions due to climate change, is changing the river’s floodplain habitats, including forests and backwater areas. 

A change to how new water infrastructure gets funded

The Mississippi River functions as a water superhighway, transporting around $500 million tons of goods each year. Infrastructure to keep shipping running smoothly is costly, and one adjustment in WRDA 2024 is aimed at shifting the burden of those costs. 

Taxpayers have been funding inland waterway infrastructure for nearly two centuries, but in 1978 Congress established the Inland Waterways Trust Fund, which requires the private shipping industry to pitch in. 

Today, the trust fund’s coffers are filled by a 29-cent per gallon diesel tax on commercial operators that use the Mississippi River and other inland waterways, adding up to about $125 million per year in recent years. New construction — like wider, more modern locks and dams on the upper river — is paid for through a public-private partnership: the private dollars in the fund, and federal dollars allocated by Congress. 

Until recently, the private dollars covered 35% of new construction costs, and federal dollars covered 65%. The new WRDA adjusts that to 25% and 75%, respectively. 

Advocates for the shipping industry have long believed taxpayers should have a bigger hand in funding construction because it’s not just shippers who benefit from an efficient river. 

The balance in the trust fund “always limits” construction that can happen in a given year, said Jen Armstrong, director of government relations for the Waterways Council. 

“We can’t afford to have projects take three decades or two decades to complete,” Armstrong said, “because we have other locks that are deteriorating.” 

Armstrong said she believes shifting more of the cost to the federal government will accelerate those projects. 

Not everyone supports the cost share change, however, including American Rivers, which has opposed the creation of new locks on the upper Mississippi in favor of helping the river revert to more natural processes. 

Kelsey Cruickshank, the group’s director of policy and government relations, called it “a disappointing development that continues to give short shrift to the incredible ecosystem of the world’s third-largest freshwater river system.”

This story is a product of the Mississippi River Basin Ag & Water Desk, an editorially independent reporting network based at the University of Missouri School of Journalism in partnership with Report For America and funded by the Walton Family Foundation. Wisconsin Watch is a member of the network. Sign up for our newsletter to get our news straight to your inbox.

New federal law addresses climate extremes and flooding along Mississippi River is a post from Wisconsin Watch, a non-profit investigative news site covering Wisconsin since 2009. Please consider making a contribution to support our journalism.

Volunteers collect and plant acorns along Mississippi River to save struggling forests

A man stands among green grass and trees.
Reading Time: 5 minutes

Jerry Boardman doesn’t remember exactly when he started collecting acorns in the fall.

But the thousands upon thousands of them he gathers to share with people working to improve habitat along the Mississippi River makes the 81-year-old resident of De Soto, Wisconsin, a small village between La Crosse and Prairie du Chien, a pretty big deal.

“It’s like a myth or a legend,” Andy Meier, a forester for the U.S. Army Corps of Engineers who receives a portion of Boardman’s bounty, said of the integral role it plays in his work. “It just has always been that way.”

A man in a hat and sunglasses smiles while he holds a fish in a boat with water behind him.
Jerry Boardman of De Soto, Wis. (Courtesy of Jerry Boardman)

In reality, Boardman began collecting around the time that the need for acorns — a nut that contains the seed that grows oak trees — was growing critical. For the past few decades, the trees that grow in the Mississippi River floodplain, known as floodplain forests, have been struggling. Although they’re named for their ability to withstand the river’s seasonal flooding, they’ve recently been overwhelmed by higher water and longer-lasting floods.

Overall, forest cover along the stretch of the river from Minnesota down to Clinton, Iowa, decreased by roughly 6% between 1989 and 2010, according to a 2022 report on ecological trends on the upper Mississippi. In the years since, losses in some places have neared 20% — and were particularly acute following a massive flood event in 2019

What exactly is driving the excess water isn’t fully fleshed out, but climate change and changes in land use that cause water to run off the landscape faster are likely factors.

The result is mass stretches of dead trees that can no longer perform their functions of providing wildlife habitat, sucking up pollutants that would otherwise run downriver and slowing water during floods.  

Floodplain forests in the lower section of the river are also diminished. The Lower Mississippi Alluvial Valley, which stretches from where the Ohio and Mississippi rivers meet, in Cairo, Illinois, to the Gulf of Mexico was once almost entirely forest. Today, about 30% of that land is treed.  

Government agencies and various nonprofits are attempting to reverse the forestland decline by planting new trees, and volunteers like Boardman are key to the effort. 

Local is best

Reno Bottoms, a sprawling wetland habitat on the river near Boardman’s hometown of De Soto, is one place where tree die-off has been extensive. Boardman, who has been a commercial fisherman, hunter and trapper on the river for most of his life, called the change in forest cover in recent years “shocking.” To combat it, he puts in about 100 hours a year between August and October gathering acorns from the floodplain in De Soto, Prairie du Chien and La Crosse. 

To maximize his time, Boardman uses a contraption not unlike ones used to pick up tennis balls to scoop up the acorns. One small variety, though, requires one to “get down on your hiney or your knees” to pick them up, he said. For those, he relies on a little grunt work.

The idea is that if the trees that produced the acorns were successful enough at warding off flood damage to drop seeds, those seeds might be similarly resilient if replanted.

Acorns gathered by De Soto, Wis., resident Jerry Boardman are planted near McGregor Lake, a river backwater near Prairie du Chien. Boardman collects tens of thousands of acorns per year to give to the U.S. Army Corps of Engineers and the Fish and Wildlife Service, which plant them to take the place of dying trees in the floodplain. (Courtesy of Andy Meier, U.S. Army Corps of Engineers)

Boardman looks for acorns from the bur oak, pin oak and swamp white oak, the latter of which is particularly well suited to the floodplain forest. And the numbers he puts up are impressive — last year, he collected about 130,000; this year, 65,000.

He splits up the total to give to the Army Corps and the U.S. Fish and Wildlife Service, both of which have foresters planting trees to restore floodplain habitat.

“Pretty much everything that Jerry collects, in one way or another, will return to the river,” said Meier, the corps forester.

Last fall, for example, between 20,000 and 30,000 of Boardman’s swamp white oak acorns were scattered near McGregor Lake, a river backwater near Prairie du Chien where the corps is piloting an effort to protect trees from flood inundation by raising the forest floor a few inches.

This spring, Meier said, he was “blown away” by the approximately 1,000 seedlings that had taken root there and begun to sprout.

Having access to Boardman’s acorns is important because it gives the corps the chance to experiment with direct seeding, instead of buying young trees and planting them. Direct seeding is both cheaper and more likely to result in a viable tree because the seed is local.

“When we have an opportunity to get something we know came from the river, we know that it’s adapted to growing there,” Meier said.

Not every community has a Boardman, though, and many organizations doing reforestation work have to shell out for seed or look for options from further afield. 

For example, M&C Forest Seeds, based in Clarendon, Arkansas, pays seed collectors cash for acorns and then re-sells sorted seed to government agencies or nonprofits. M&C contracts with collectors to gather acorns at particular latitudes along the river, which they then market to replanting efforts at similar geographic locations. 

Living Lands and Waters, an Illinois-based environmental organization, uses nurseries to cultivate oaks from the region and distributes more than 150,000 trees annually in three-gallon pots to volunteers or individuals. 

Little by little, through the efforts of various government agencies and nonprofits, it all ends up in the ground. 

For instance, since 2007, Living Lands and Waters has planted more than 2 million trees along waterways in the Mississippi River Basin. The Nature Conservancy, using U.S. Department of Agriculture and other program funds, has reforested about a million acres across Mississippi, Louisiana and Arkansas in the last 30 years. Much of that acreage was on low-lying farmland prone to flooding that had once been forest.

Volunteers key to planting efforts

Whether collecting seeds or planting them, volunteers like Boardman are key to making the work happen. 

Ev Wick, a fifth grade teacher at De Soto’s Prairie View Elementary, has taken his students out for an acorn-gathering day with Boardman for the past several years. Boardman scouts the best trees ahead of time, Wick said, then the kids get to work. They can pick up between 5,000 and 6,000 in a day, propelled by friendly competitions to see who can collect the most or fill their bucket quickest.

They’re interested when Boardman tells them all the acorns they collect will eventually be planted on the islands they see in the river, Wick said. 

Children and adults collect acorns on the ground near a tree.
Fifth grade students from Prairie View Elementary in De Soto, Wis., gather acorns in fall 2024 near the Mississippi River. Their work assists Jerry Boardman, a De Soto resident who collects thousands of acorns annually to help restore trees in the river floodplain. (Courtesy of Ev Wick)

Last October, Living Lands and Water brought together people from groups like the Clean River Advisory Council and the Rock Island County Soil and Water Conservation District to plant oak trees near the Quad Cities. Volunteers planted 85 oak trees in a park by the Mississippi River in Illinois City, Illinois. This event helped restore forests but also provided opportunities for people to learn and connect with nature.

“We get individuals that may have never planted a tree before but want to come out because it sounds like a cool, fun thing,” said Dan Breidenstein, vice president of Living Lands and Water. “Not only did they learn how to plant a tree, but they also learned about these different species that we were doing. Every time they visit that area or drive past that building, they’re connected to the area around them, and that tree’s not going anywhere.” 

Organizers are particularly tickled when young people show up.

“My favorite part of today is being outside and in the environment because I don’t go outside much,” said Brooklyn Wilson, a high school junior who volunteered at the October event. “The most important thing to understand is that as a community we need to be able to come together and help and pick up and do what we need to do to better our environment and neighborhoods.” 

Perhaps some of the young volunteers will follow in Boardman’s footsteps. 

As for Boardman, the chance to donate acorns or otherwise help out is a no-brainer.

“That river has given me so much,” he said. “I’ve just got to give back all I can give.”

This story is a product of the Mississippi River Basin Ag & Water Desk, an editorially independent reporting network based at the University of Missouri School of Journalism in partnership with Report For America and funded by the Walton Family Foundation. Wisconsin Watch is a member of the network. Sign up for our newsletter to get our news straight to your inbox.

Disclosure: The Mississippi River Basin Ag & Water Desk, The Nature Conservancy and the Clean River Advisory Council receive funding from the Walton Family Foundation.

Volunteers collect and plant acorns along Mississippi River to save struggling forests is a post from Wisconsin Watch, a non-profit investigative news site covering Wisconsin since 2009. Please consider making a contribution to support our journalism.

Mississippi River towns pilot new insurance model to help with disaster response

Flood waters in a small town.
Reading Time: 7 minutes

Early on Election Day, highways in the St. Louis area were inundated with water. Over several days, intense storms battered Missouri, bringing six to 10 inches of rain — record-breaking amounts for November.

The flash flooding killed at least five people, including two older poll workers whose vehicle was swept from a state highway.

Mayors along the Mississippi River have watched for years as intensifying rain storms and flooding wreak havoc on their communities.

Take Grafton, Illinois, which escaped Election Day flash flooding but suffered $160,000 to $170,000 in damages from a heavy rain event in July. The town’s main intersection was blocked with logs and debris, and the storm blew out a water line and left streets in need of repair.

But Grafton never received a federal disaster declaration and was not eligible for assistance from the Federal Emergency Management Agency (FEMA). Instead, it paid for road and water line repairs through its Department of Public Works’ annual budget. As a result, the city could no longer purchase new trucks for snow plowing this year, as it had planned.

“What it means is that we’ll limp through another year, keep the vehicles running,” said Grafton Mayor Michael Morrow, who oversees the $1.2 million annual budget for the small riverfront city of about 600.

River communities have suffered repeated losses. But federal disaster funding can take weeks, months or even years to pay out. Traditional insurance programs are tied to property and require proof of loss for a payout, which can be burdensome and lengthy to assemble. 

So this fall, the Mississippi River Cities and Towns Initiative (MRCTI) announced a new insurance pilot, with hopes of better helping river towns recover. 

MRCTI, which represents 105 cities in 10 states in the Mississippi River Basin, including Wisconsin, is working with Munich Re, a German multinational insurance company, to create the insurance product. 

The resulting pilot will test a novel type of insurance pool — called parametric insurance — that is designed to rapidly fund emergency response after natural disasters such as flooding. 

Pilot will test usefulness of new ‘parametric’ insurance policies

The likely cause of intensifying rainfall and floods is human-caused climate change, according to the Fifth National Climate Assessment, a scientific report created every four years for the United States Congress and the president, to help explain the impacts, risks and vulnerabilities associated with a changing global climate.

In 2019, communities in the Basin saw months of flooding, spanning across the Mississippi, Missouri and Arkansas rivers. Reported losses totaled almost $25 billion across at least 17 states, according to the National Oceanic and Atmospheric Administration.

The central U.S. is emerging as a new flash flooding hotspot, according to research published in Nature’s Communications Earth & Environment journal. With its new role as a hotspot comes more disaster damage – and need for insurance that addresses that.

While conventional indemnity insurance requires insured owners to prove specific losses by amassing evidence and presenting pre-storm documentation, parametric insurance pays out quickly after agreed-upon “triggers” – such as wind speeds or river heights – reach a certain level. 

For the MRCTI pilot, Munich Re has suggested using watershed data from the U.S. Geological Survey to determine the best gauges along the river to measure flood depth. Once the river flooding reaches a certain depth, the payout would be triggered. 

Getting that trigger right is key, said Kathy Baughman McLeod, chief executive officer of Climate Resilience for All, a nonprofit focused on climate adaptation.

“You want to have sufficient understanding of how you set the triggers at a certain place and why,” she said. “There’s a lot of engagement necessary to get everybody on the same page about what the product is, how it works, what the trigger should be.”

The goal of Munich Re’s pilot program is to demonstrate in real time how a parametric insurance payout policy would function in current insurance market conditions and how swift payouts could better assist a city’s disaster response in the immediate days following a flood.

First, Munich Re will develop a mock-up of the insurance policy for one hazard – flooding – with the understanding that multiple hazards, like intense heat, or drought, could be added later, said Colin Wellenkamp, executive director of MRCTI and, as of Nov. 6, a newly elected state representative for Missouri District 105

The mock-up would calculate a range of premium costs and theoretical payout options that would be available for cities of varying sizes along the river. But the pilot won’t cost the cities a cent – and it won’t pay them anything either, until the pilot moves into implementation. It’s unclear which entities will ultimately foot the bill of the pilot and eventual product because it’s so early in development.

When Munich Re moves into implementation, individual city governments would hold the policies and receive payouts. Wellenkamp hopes to convince larger corporations that rely on a healthy and functioning Mississippi River hydrology to pick up the tab on the premiums, he said. 

Quick payouts could take burdens off cities

“In the first 24 to 72 hours after a disaster event, very little money can help a whole heck of a lot,” Wellenkamp said. “We use that time for evacuations and to move people out of additional harm’s way in the aftermath.”

But soon after the initial emergency response, municipalities start to look for funds for longer-term cleanup and repair. Under the current paradigm, that money can be hard to tap.  

In the spring of 2019, major flooding on the Mississippi inundated many communities, including Grafton, where the downtown partially closed and people were forced to evacuate. 

The Trump administration didn’t declare a major disaster until September of that year, months after flood waters had receded. It took until 2022 for federal money to reach Grafton, Morrow said.

“The former administration went through that flood,” Morrow said. “I’m the mayor now, and I was getting some of the money that they had put in years ago.”

That wait places stress on a city’s finances, especially smaller ones like Grafton, Morrow added. 

A small town next to water. "DANGEROUS BLUFFS" sign in foreground.
Downtown Grafton, Ill., is seen from the Tara Point Inn on May 29, 2019. Floodwaters reached their second highest level ever at Grafton nine days later, three feet below the record set in 1993. (Brent Jones / St. Louis Public Radio)

Traditional insurance doesn’t always help either. Grafton has a flood policy, but it only covers property owned by the city. Residents and businesses in the community would need to take out their own flood protection. The National Flood Insurance Program (NFIP), which underwrites many flood insurance policies, has various coverage restrictions. For example, NFIP doesn’t cover roads or wastewater infrastructure. 

The policies also require proof of loss before issuing a check because they cover specific damage, like to a particular building or its contents. This “proof” can take days to document, and longer to process, which delays how fast a local government can begin repairs. Without proper pre-storm documentation, damage can sometimes be nearly impossible to prove.

Parametric insurance – which works with measurable triggers and isn’t tied to documentable losses – could ease the process. 

Cities from the headwaters to the mouth of the Mississippi could buy into the policy, creating a pool that spreads out the risk that any individual community faces. 

“Not every city is going to flood every year, but the flooding will impact at least one section of the river,” said Raghuveer Vinukollu, head of climate insights and advisory for  Munich Re in the U.S.

The insurance pool would protect a town from the risk of ruin, and a more timely payout would increase the town’s resiliency through swift reinvestment in its infrastructure, he added.

Parametric insurance in the Mississippi Delta and beyond

For flooding on rivers, this kind of insurance risk pool is new territory, Vinukollu said. As climate risks become more extreme, the insurance industry is working with a number of communities to address their evolving needs, he said.

While parametric insurance is still developing, one early example stands out to Vinukollu — the Caribbean Catastrophe Risk Insurance Facility (CCRIF).

CCRIF pools risk for Caribbean countries, which face hurricane risks each year. By pooling risk together each island can receive a larger payout than if it had taken out an individual policy. 

In July, a mere 14 days after Hurricane Beryl devastated 90% of buildings and agriculture on the islands of Carriacou and Petite Martinique, the government of Grenada received its first payout from CCRIF to fund disaster recovery. 

The tropical cyclone policy paid more than $42 million to Grenada, the largest single payout from CCRIF since its inception in 2007.

In the Mississippi River Basin, Vinukollu hopes to apply this kind of shared risk pool to insure cities at risk for inland flooding. 

“The triggers are different, the perils are different, but the concept is the same,” said Vinukollu.

Flood waters in a small town.
Floodwaters from the Mississippi River engulf the riverfront and Main Street of Grafton, Ill., on May 29, 2019. The community was among many that suffered a combined billions of dollars in damages from the flooding that year. (Brent Jones / St. Louis Public Radio)

Given its position near the end of the Mississippi River, New Orleans is no stranger to the devastating impacts of extreme weather. Several city-run institutions, such as NOLA Public Schools, have taken out parametric insurance policies to protect important infrastructure. 

One of the first tests of these policies came in September when Hurricane Francine’s storm surge, rain and winds pelted southern Louisiana. 

But NOLA Public Schools did not receive a payout from its policy with Swiss Re. 

While wind speeds were high, they were not high enough to meet the policy’s triggers of more than 100 miles per hour for one minute.

New Orleans is more likely to experience repetitive, severe losses from named storms than a city in the upper Basin, such as Minneapolis, so cities closer to the Gulf Coast may end up paying higher premiums once the policy officially rolls out, said Wellenkamp, of MRCTI.

Cities that choose to cover more hazards or lower-level disasters may pay higher premiums because it could result in more frequent payouts, Wellenkamp said. Ultimately, municipalities could still end up footing the bill for events like the July flooding in Grafton or the Election Day storms in St. Louis.

McLeod, of Climate Resilience for All, argues communities shouldn’t expect payouts from parametric insurance all that often. “Just by the nature of the product it shouldn’t (pay every year),” she said. “Insurance is for the worst of the worst.”

Munich Re advises that parametric insurance works best to complement – not replace – traditional insurance policies. But company officials believe that these new policies offer the chance for insurance to adapt to changing risk landscapes, as weather events become more extreme.

Despite its potential to facilitate faster disaster response, parametric insurance is no silver bullet, said McLeod. 

The best solution to her is reducing the underlying risk from climate change. 

“The big picture is it’s a really important tool in financing and managing the risks of climate change, and we need every tool,” she said. 

But more than any new financial tool, McLeod said, the most effective financial step would be addressing the root causes of climate change, and building – or rebuilding – more natural protections, like wetlands.

“You’ve got to reduce the risk (or) you won’t be able to afford the insurance on it,” she said. “It’s not insurance if you know this thing is going to happen.”

The Lens’ Marta Jewson contributed reporting to this story.

This story is a product of the Mississippi River Basin Ag & Water Desk, an editorially independent reporting network based at the University of Missouri School of Journalism in partnership with Report For America and funded by the Walton Family Foundation. Wisconsin Watch is a member of the network. Sign up for our newsletter to get our news straight to your inbox.

Mississippi River towns pilot new insurance model to help with disaster response is a post from Wisconsin Watch, a non-profit investigative news site covering Wisconsin since 2009. Please consider making a contribution to support our journalism.

❌