Topic: Climate Change

As India Grows Rapidly, Conservationists Seek New Strategies

By Jon Gorey, December 19, 2023

 

With more than 135,000 species of plants and animals, including rare and charismatic cats like Bengal tigers and snow leopards, India is an ecological treasure. Its forests, wetlands, grasslands, deserts, and other ecosystems comprise just 2.4 percent of the world’s land area, but host up to 8 percent of its biodiversity. That same land also holds over 17 percent of the world’s human population, so conservationists are looking at a variety of strategies to ensure ongoing prosperity for humans and wildlife alike. 

Protecting natural habitats is a challenge anywhere. But in a fast-growing place like India—the second-most populous country on Earth—land is under particular strain from development and agricultural pressures, and is also subject to complex legal restrictions.

To better understand those challenges, and some of the efforts to overcome them, a team from the Lincoln Institute of Land Policy’s International Land Conservation Network spent two and half weeks in India earlier this year. Their goal, says Chandni Navalkha, associate director of sustainably managed land and water at the Lincoln Institute, was to learn more about land conservation practices and policy in India, and to make connections that will support ILCN’s efforts to expand its network in Asia. Navalkha was joined by Henry Tepper, advisor to the ILCN and strategic conservation advisor at the Chilean land trust Fundación Tierra Austral, and Marc Evans, founder of the Kentucky Natural Lands Trust and advisor to the Wildlife Protection Society of India.

While private land conservation is commonplace in Western countries and throughout much of the Global South, including in several African and Latin American countries, it’s less well known and practiced in South Asian countries, Navalkha says. In India, that’s partly because of strict government regulations on private land ownership, which limit how much land an individual can own, and how that land can be used, especially when it comes to forested and agricultural lands. Nonetheless, Navalkha says, the country has an active civic conservation movement that works to complement government-led conservation efforts, which the ILCN team learned about by meeting with conservation leaders, legal experts, organizations, and networks. One such leader is Belinda Wright, a noted conservationist and executive director of the Wildlife Protection Society of India, who played a key role in connecting the ILCN team with legal experts and civic conservation practitioners and in providing important context for understanding land conservation efforts across the country.  

“What was really inspiring to us was to see that, in a unique context for civic efforts for land conservation, there were a huge number of initiatives and people who are making their best efforts using the laws and policies in place to protect the places that they love,” Navalkha says. “There’s so much good work happening, so much intact, amazing landscape and wildlife to protect.”

For example, the group visited a 40-acre forest reserve bordering Ranthambore National Park, one of the world’s best-known Bengal tiger sanctuaries. The reserve was created piece by piece, through persistence and passion, by wildlife photographer Aditya “Dicky” Singh and his wife, Poonam Singh. The couple first visited and fell in love with the area in the late 1990s; over the course of two decades, they purchased parcels of farmland bordering the national park and set about cultivating the land with native trees and shrubs, creating more habitat—and even watering holes, as the new greenery helped retain rainfall—for the park’s famed tigers.

Dicky Singh passed away unexpectedly in September, at age 57. But his efforts to celebrate and protect India’s wildlife will leave an enduring legacy. “Aditya was a passionate conservationist and photographer, whose love of wildlife is a beacon for youth in India,” says Balendu Singh, former honorary wildlife warden of Ranthambore National Park, who helped the ILCN group connect with conservationists in Rajasthan.

Land ownership is highly regulated in India, and many private and civic conservation efforts are similarly small in scale. But one sentiment the ILCN team heard repeatedly, Navalkha says, was that the country’s extraordinary biological diversity, set against a backdrop of relentless development pressure from a population of 1.4 billion and growing, “makes every effort at land conservation important, no matter how modest.”

Recognizing Informal Land Conservation

Between 7.5 percent and 22 percent of India’s land is formally protected in accordance with criteria established by the International Union for Conservation of Nature (IUCN). But many additional areas could be considered conserved through a designation known as “other effective area-based conservation measures,” or OECMs.

These areas aren’t formally protected the way a national park or wildlife preserve would be, but still provide enduring conservation and biodiversity outcomes—even if protecting nature isn’t their primary objective. Examples could include a sacred grove, or the watershed around a community reservoir. Since these lands lack formal recognition as conserved spaces, they typically don’t convey clear benefits to landowners. “The concept of an OECM, ideally, is that you’re recognizing protection that already exists, but that has not been recognized or supported,” Navalkha says. “I think that’s valuable, especially in a country like India.” 


Transferring seedlings as part of a reforestation effort at Aravalli Biodiversity Park, a former mining area in the city of Gurgaon, Haryana, India. The 390-acre site was named the country’s first OECM (other effective area-based conservation measure) in 2022. Credit: Vijay Dhasmana via Wikimedia.

OECMs represent a fairly new approach to tabulating conserved spaces; the term was only formally defined by the Convention on Biological Diversity in 2018. But many countries are exploring the role OECMs can play in accomplishing the ambitious global conservation goal known as 30×30—a commitment to conserving 30 percent of the world’s land and oceans by 2030—which 190 nations signed on to at the United Nations COP 15 biodiversity conference in 2022. India is “really ahead of the curve working on identifying, designating, or recognizing OECMs,” Navalkha says.

One challenge, however, is that benefits to landowners and communities for their stewardship efforts are not well established or understood, crucial as they may be to the country’s conservation goals. Navalkha says some kind of incentive program could help to align the motivations of conservationists and government.

“I met three or four different people who are undertaking conservation efforts that would not meet any of the categories of the IUCN’s protected area, but may meet the criteria for an OECM. And there’s still some debate by those individuals about whether being designated as an OECM does anything for them,” Navalkha says. “What benefit does being designated give to a landowner who has helped to create this conservation area and keep it protected?”

Another takeaway from the trip, Navalkha says, was the important role that protecting wildlife—particularly tigers and elephants—plays in India’s land conservation efforts. “A lot of the conservation planning and programming is about human-wildlife conflict, and mitigating and preventing it, to protect these key species,” Navalkha says. In that context, the priorities for the landscape are different and need to be large-scale, community-centered, and multifunctional.

An Array of Approaches

Navalkha and Tepper visited several land conservation initiatives in northwestern and central India, and spoke to other practitioners while attending the fifth Central Indian Landscape Symposium, convened by the Network for Conserving Central India at Kanha National Park. These reserves varied in size, landscape, and approach—some were intended to protect wildlife or create biodiversity corridors, others focused on restoring degraded landscapes—and the team found that no two were alike, except, perhaps, for the amount of work it took to establish them.

The Singhs’ preserve was hardly the only one that took decades to establish. In the foothills of the Himalayas, for example, researcher Subir Chowfin created the Gadoli and Manda Khal Wildlife Conservation Trust to manage several hundred acres of family-owned forestland, with a focus on conservation and scientific research. It took a lengthy legal battle before Chowfin could legally manage the land for conservation purposes; in 2022, the United Nations Development Programme recognized the sanctuary as one of 14 potential OECMs in India.


The boundaries of the Gadoli and Manda Khal Fee Simple Estates, former tea estates in the Himalayas that were once owned by the British East India Company. Now privately owned, the land is managed by a conservation trust that focuses on biodiversity conservation, ecological research, and sustainable agriculture. Credit: Gadoli and Manda Khal Wildlife Conservation Trust.

Indeed, every situation the team encountered was unique. “One of the things I heard that really struck me was that, in India, there’s no such thing as a model,” Navalkha says. “No single approach is going to be replicable across states or places, as every project or initiative is navigating its own unique complexities and contexts. Every single civic land project that we saw was structured in a completely different way.”

Navalkha says she heard, often, of a need for someone to perform a legal analysis across the 28 states and eight Union territories of India to understand the role and opportunity for civil society efforts in particular places. Beyond the complex legal landscape, conservation groups also face funding challenges for land stewardship and management—and it’s not always for a lack of willing donors. Foreign funding is tightly regulated “for conservation, and for land purchase, and even for philanthropic donations,” Navalkha says.

Navalkha says the team returned from India feeling optimistic and excited about the work occurring there, and looks forward to connecting with Indian conservationists who expressed interest in engaging with the ILCN. She hopes some of them will attend ILCN’s next Global Congress, to be held in Quebec City in 2024. “This is the beauty and promise of a truly dynamic ILCN global network,” she says, “especially one with increased geographic representation.”


Jon Gorey is a staff writer at the Lincoln Institute of Land Policy.

Lead image: A Bengal tiger at Ranthambore National Park. Credit: eROMAZe via E+/Getty Images.

People speaking on a stage in front of a mural

Lincoln Award Recognizes Outstanding Land Policy Journalism in Latin America

By Jon Gorey, December 11, 2023

 

Land policy decisions may not pack the headline punch of celebrity gossip or World Cup comebacks, but they can be far more consequential to people’s everyday lives. In that spirit, the Lincoln Institute of Land Policy awarded prizes for excellence in journalism on urban policy, sustainable development, and climate change at the 2023 Latin American Conference of Investigative Journalism (COLPIN) in Mexico City.  

The winning entries included an exploration of how climate finance mechanisms trap poorer countries in a cycle of debt and dependency, an account of indigenous land grabbing by an unscrupulous palm oil exporter, and a look at how luxury megaprojects in a Mexico City neighborhood threaten to drain the water supply for longtime residents. (Jump to the list of winners.)

This marks the second year that the Premio Lincoln has been awarded at the prestigious conference, which includes its own investigative reporting competition, as well as dozens of workshops and panel discussions held over four days. COLPIN is organized by the Lima, Peru–based Instituto Prensa y Sociedad (Press and Society Institute), or IPYS.  

Competition for the 2023 award—which drew 141 entries from 47 cities and 15 countries—was inspiring, says Laura Mullahy, senior program manager at the Lincoln Institute. The contest attracted so many worthy entries that she and the other judges decided to name three honorable mention winners this year, in addition to the top prizes. The 2023 winners hailed from Costa Rica, Brazil, and Mexico; last year’s winning entries were published in Mexico and Colombia.

The breadth of geography, topics, and media formats represented in the contest is an encouraging sign for Latin American journalism, Mullahy says—as are the winners themselves. “It was really very heartening to meet these talented, young, earnest journalists,” says Mullahy, who presented the awards both years. 

Empowering the Press

The Lincoln Institute has a long history of engaging journalists with its research, both in the United States—where for over 20 years, the organization’s Journalists Forum has convened members of the press around a central topic, such as climate change and housing—and in Latin America. The institute began offering land policy training classes for Brazilian journalists a decade ago, when economist Martim Smolka was the director of the Latin America and the Caribbean (LAC) program. “Back when Martim was director,” Mullahy recalls, “he always said, ‘There are three audiences I would do anything to get in a room, but they’re hard to get: members of parliament, judges, and journalists.’ So that was always in the back of my mind.”

At the time, Mullahy says, there was very little coverage of land policy in Latin American media, and what coverage did exist wasn’t always well informed; it wasn’t a topic journalists in the region encountered in their formal education. “Land policy is a little bit niche,” Mullahy says. “And so the thought was, well, maybe we’re the ones who can provide this.” 

With the goal of introducing core land policy concepts to journalists, the Lincoln Institute then partnered with IPYS to host a larger series of Latin America-wide training courses. Each session drew 30 or more participants, all of whom had to submit professional clips to be accepted into the program. By 2022, enough journalists were creating well-researched, engaging land use stories throughout Latin America that Mullahy and Adriana León at IPYS discussed the idea of offering a prize for urban land use reporting. “The stars seemed to align,” Mullahy says, and the inaugural Premio Lincoln drew more than 160 entries from 19 countries.


Lincoln Award recipients including Jennifer González Posadas, foreground, participated in a panel discussion at the 2023 Latin American Conference of Investigative Journalism.

In addition to cash prizes—$3,000 for first place, $2,000 for second, and $1,000 for third—Lincoln Award winners are invited to attend and participate in the four-day COLPIN conference. At the 2022 conference in Rio de Janeiro, “Our panel discussion with the award recipients and two seasoned journalists who served on the selection committee highlighted how land policy-related stories can be developed as compelling journalistic reporting,” Mullahy says. This year’s winners joined a trio of veteran journalists—Miguel Jurado and Vanina Berghella of Argentina, and Chico Regueira of Brazil—for a session on researching cities and urban development.

Journalists are important allies to the Lincoln Institute’s mission, Mullahy says, but even those with an interest in land policy issues don’t always get the support they need from their editors or organizations. So it’s important to recognize and support those who bring quality urban and land use reporting into the mainstream.

Alongside the Lincoln Institute’s more than 30-year tradition of conducting research and offering free professional development courses in Latin America, the efforts to encourage and celebrate informed land use journalism is paying off, and not just for the prizewinners. Mullahy can see positive changes in Latin American land management practices “in which Lincoln Institute courses and their students have had an influence and, in some cases, an active role,” she told the LatAm Journalism Review. “We know our presence can make a difference.” 

2023 Winners

Here are the winners of the 2023 Lincoln Prize for Journalism on Urban Policy, Sustainable Development, and Climate Change: 

First place: Hassel Fallas and Michelle Soto from Costa Rica for their eight-article series, “¡Muéstrame el dinero! La ruta de los fondos climáticos en un mundo cada vez más caliente” (“Show Me the Money! The Route of Climate Funds in an Increasingly Hot World”), published in a collaboration between La Data Cuenta and Ojo al Clima.  

The series explores the global climate financing system to reveal a complex but unequal financial architecture that favors the interests of the Global North and hurts the most vulnerable countries, who have contributed least to the problem. Based on the analysis of databases from multiple sources, the series signals the need to correct the inequities in the distribution of resources and protect the planet for future generations.  

Second place: Karla Mendes for her article “Exportadora de óleo de palma acusada de fraude, grilagem de terras em cemitérios quilombolas” (“Brazil Palm Oil Exporter Accused of Fraud, Land-Grabbing in Quilombola Cemeteries”), published in Mongabay, Brazil.  

The article exposes a wide range of land-grabbing allegations against Agropalma, the only Brazilian company with a sustainability certificate issued by the Roundtable on Sustainable Palm Oil (RSPO), claiming that more than half of the 264,000 acres registered by Agropalma was derived from fraudulent land titles and even the creation of a fake land registration bureau. Moreover, the allegations assert that part of the area occupied by Agropalma overlaps with ancestral Quilombola land, including two cemeteries. The feature is available in three languages: 

Portuguese:  Part 1 | Part 2 | Part 3  
English: Part 1 | Part 2 | Part 3  
Spanish: Part 1 | Part 2 | Part 3 

Third place: Alejandro Melgoza Rocha and Jennifer González Posadas for “Ciudad sin agua. Un pueblo contra el gigante de concreto” (“A City Without Water: The People Against a Concrete Giant”), published in Mexico’s N+.  

This multimedia feature and video examine the complex issue of water scarcity in Mexico City, where the construction of luxury towers and shopping centers has depleted aquifers in the metropolitan zone, putting the ecosystems of the city at risk. As communities and indigenous peoples suffer from water shortages, road congestion, destruction of green areas, increased costs of services, and dispossession of their territory, the inaction of the authorities against developers has resulted in chaotic conflict. The article tells the story of residents taking on the most powerful player in the real estate industry.   

Honorable mention: Thiago Medaglia, Brazil, for “Aquazônia—A Floresta-Água” (“Aquazonia—The Water Rainforest”)  

Honorable mention: Aldo Facho DedeKenneth Sánchez Gonzales, and Vania García Pestana, Peru, for the podcast series “Ciudades Que Inspiran” (“Cities That Inspire”) 

Honorable mention: Juan Diego Ortiz Jiménez, of Colombia, for “Nómadas, Airbnb y falta de casas: en Medellín no hay cama para tanta gente” (“Nomads, Airbnb, and Housing Shortage: In Medellín, There Aren’t Enough Beds”) 

2022 Winners  

First place: Alejandro Melgoza Rocha (N+ Focus, Mexico), for “Tulum: un paraiso ilegal” (“Tulum, an Illegal Paradise”) 

Second place: Mónica Rivera Rueda (El Espectador, Colombia), for “Lo que debe saber del POT en Bogotá” (“What You Need to Know about the Land Management Plan in Bogotá”)  

Third place: Andrés de la Peña Subacius (Zona Docs, Mexico), for “La ciudad inhabitable: ¿Redensificación o destrucción de la vivienda?” (“The Inhabitable City: Housing Redensification or Destruction?”) 

 


Jon Gorey is a staff writer at the Lincoln Institute of Land Policy.

Lead image: The opening ceremony of the 2023 Latin American Conference of Investigative Journalism (COLPIN) at the Colegio San Ildefonso, Mexico City. The backdrop is Diego Rivera’s first mural, La Creación (Creation), 1922. Credit: Laura Mullahy.

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Two people walk on a flooded road

What Will Make Home Buyers Consider Climate Risk? What Happens Once They Do?

By Jon Gorey, November 17, 2023

 

Realtor Gabriella Beale stopped for lunch at a cafe in downtown Norfolk, Virginia, this summer, on her way to show her buyers a home in nearby Larchmont, a neighborhood of tree-lined streets and early 20th-century houses. Then a late August downpour dumped more than two inches of rain on the city, forcing Beale to cancel the showing—because she could no longer get to the house. She watched helplessly from the cafe as flash flooding filled the road outside.

“I couldn’t even get to my car because part of the road essentially became a river,” Beale said. This wasn’t a hurricane, or even a tropical storm—just a rainy Monday in this low-lying city of 238,000. Situated between the Elizabeth River and Chesapeake Bay, Norfolk is experiencing the fastest relative sea-level rise on the East Coast—more than two inches just since 2012—so there isn’t much room for extra water. Parts of the city flood even without rainfall during king tides, and the National Oceanic and Atmospheric Administration projects that the city’s dozen or so annual “sunny-day flooding” incidents could double as soon as 2030.

The encroaching water hasn’t gone unnoticed, Beale said: more buyers ask about flooding than in years past, even in neighborhoods outside the 100-year floodplain. She dutifully counsels all her clients on flood risk, discussing insurance costs, personal safety, and the potential drop in future resale value. Some buyers want nothing to do with a floodplain house, but others don’t mind the risk—or can’t afford to be picky. Beale acknowledges that she can’t make decisions for them. “People have different ideas of what level of flood risk they’re comfortable with, and it’s not really up to me to say, ‘This is a bad house.’”


Flooding in the Larchmont neighborhood of Norfolk, Virginia. Credit: Aileen Devlin/Virginia Sea Grant via Flickr.

By the time the stormwater finally subsided on that rainy Monday, Beale’s car was toast; she wasn’t sure it could be repaired. “I can tell that story, and some buyers still want to live in that neighborhood,” she said. Indeed, her buyers rescheduled their showing for the very next day.

* * *

BEALE’S CLIENTS are hardly alone in their pursuit of risky real estate. Even as climate change delivers more intense and more frequent storms, wildfires, and heat waves, home buyers across the United States continue to move into areas at greater risk of climate impacts like flooding, wildfire, drought, and extreme heat—in fact, they’re doing so at a faster pace.

That the climate is changing, and not for the better, is hard to miss. The US experienced a record 23 separate billion-dollar weather disasters in just the first nine months of 2023; the previous annual record of 22 was not even three years old, set in 2020. The number of buildings destroyed by wildfire in California each year has spiked 335 percent since 2009, according to First Street Foundation, a research nonprofit seeking to make climate risk data more accessible. Nationwide, we’re now losing an average of more than 17,000 structures a year to wildfire, a number that is forecast to top 33,700 by 2053—meaning we can soon expect to lose the equivalent of Daytona Beach, Florida, or Asheville, North Carolina, to fire every single year.

 


Billion-dollar weather and climate disasters through October 2023. Credit: National Centers for Environmental Information/NOAA.

 

Yet home buyers still don’t seem to factor in climate risk when they make one of the biggest decisions of their lives. We keep building and buying homes in the fire-prone “wildland-urban interface” where town meets wilderness, and moving closer to the water, not away from it.

The most flood-prone counties in the US had 384,000 more people move in than out in 2021 and 2022, according to a Redfin analysis, roughly double the net increase of the prior two years. That includes Lee County, Florida, which gained 60,000 net new residents in two years even as Hurricane Ian destroyed nearly 10,000 homes in 2022.

Counties facing the greatest wildfire risk, meanwhile, netted 426,000 new residents in that time. And those most threatened by heat collectively gained 629,000 net residents—including Maricopa County, Arizona, where 76,000 newcomers sweltered in temperatures that topped 110º Fahrenheit for 31 straight days last summer and left hundreds dead.

And yet, the housing market in Maricopa County has been almost as hot as the sidewalks that gave residents third-degree burns in July: median home prices rose a staggering 64 percent in four years, from $290,000 in June 2019 to $475,000 in 2023, as more residents moved in. Prices in Florida’s Lee County rose 70 percent in that time, compared to 40 percent nationwide. Accounting for likely long-term flood damage—to say nothing of drought or wildfire risk—a study published in Nature Climate Change estimated that the residential real estate market in the US is collectively overvalued by as much as $237 billion.

Homes under construction in Maricopa County, Arizona
New construction in Maricopa County, Arizona, which has seen record heat, drought, and growth. Credit: halbergman via iStock/Getty Images Plus.

The disconnect is largely driven by short-term affordability concerns, said Daryl Fairweather, chief economist at Redfin. “People are leaving places like San Francisco because their rent is too high, and then they’re moving to places like Tampa or Las Vegas because they can actually afford to buy a home there,” Fairweather said. “But what they’re not thinking about is how their housing expenses might change in the future, how the value of their home might change in the future, and also how the livability of those places might change in the future.”

Where the planet is sending us flashing red “stop” signals, home buyers and developers seem to see green lights. Why? And what will it take to get them to heed the stop signs?

Tell Me About It

One reason a driver might recklessly blow past a stop sign, putting themselves and others in danger, is if the sign itself isn’t visible—if it’s concealed by overgrown foliage, for example.

Sometimes warnings of flood or fire risk aren’t immediately obvious to home buyers, either.

“One thing that we’ve learned is that information is just so critical,” said Patrick Welch, policy analyst at the Lincoln Institute of Land Policy. “Even though there is so much information out there about climate risks, it’s not necessarily that accessible—people don’t know about it.”

In 23 states, for example, home sellers aren’t typically required to disclose a home’s flood history to potential buyers, including in vulnerable coastal states like Florida, Massachusetts, and Virginia. Only two states, California and Oregon, require some disclosure of wildfire risk. And often such notices are confusing or reach buyers too late for them to act on the information—after the home inspection, for example, or buried in a stack of forms signed at the closing.

Fire on a southern California hillside above homes
California requires some disclosure of wildfire risk, but it doesn’t apply to every property, ​and often comes late in the homebuying process. Credit: f00sion via E+/Getty Images.

Getting clear, accurate risk assessments into home buyers’ hands can help them make more climate-informed decisions about where they choose to live, Welch said.

“Disclosure of risks is very uneven across states,” agreed Margaret Walls, senior fellow at the nonprofit Resources for the Future. In fact, disclosure rules can even vary within a state, which is how Walls and her colleagues were able to isolate the impact of disclosing fire risk on home values in California in a new working paper

California requires home sellers located in a moderate, high, or very-high Fire Hazard Severity Zone to disclose that fire risk to buyers—but only if the home falls within a state responsibility zone, meaning the state manages wildfire prevention and response. In areas where the local jurisdiction is responsible, sellers aren’t required to disclose moderate or high fire risk.

That allowed Walls to compare homes that share the same level of fire risk—as well as school districts, walkability, and other location-based amenities—but have different disclosure requirements. By comparing years of sales data for neighboring homes on either side of the disclosure divide, the researchers were able to show that homes with a disclosed fire risk sold for an average of 4.3 percent less than similar nearby properties with undisclosed risk.

In other words, buyers who were made aware of the risks seemed to adjust their behaviors in a rational way—exactly what you’d hope to see in a well-functioning market. “We can’t expect markets to work and prices to reflect something unless we have all the information,” Walls said.

The effect of risk disclosure on sale prices seems to be strengthening as fire seasons intensify. The eight largest wildfires in California history have all occurred since 2017, burning more than 4 million acres, and 2020 was the state’s worst fire year on record. “We found a stronger effect in the more recent years,” Walls adds. “It’s getting more salient to people after these bad fire years.”

Past research has found that strict flood disclosure rules yield a similar price penalty of about 4 percent. In the absence of flood disclosures, though, home buyers can still get some idea of a home’s flood risk from the Federal Emergency Management Agency. FEMA’s flood maps aren’t perfect—they’re based on historical flooding, for one thing, not future climate models—but they’re freely available. Anyone can access them online, though Beale says most home buyers don’t think to do so until she recommends it. And even then, it’s hard to get a price quote for flood insurance without applying for coverage. In fact, because lenders require borrowers to purchase flood insurance on homes located within a FEMA high-risk floodplain, loan officers are often the ones breaking the bad news about flood risk and insurance premiums—typically very late in the process.

“Usually at that point, the buyers can’t get out of the contract,” Beale said. The average annual flood insurance premium nationwide was $888 in 2022, “so that’s not a huge impact if you’re spreading it out over 12 months,” she notes. But rates can vary dramatically by property, even cresting five figures. “If it comes back at $10,000, and you can still technically afford the house according to the lender … you can’t walk away.”

Major real estate sites Redfin and Realtor.com have started incorporating First Street’s climate risk data on their property listings—right alongside other typical home buyer concerns, such as school districts and taxes. And getting that information to a home buyer early in the process makes a real difference, according to a new working paper Fairweather coauthored.


Redfin and Realtor.com have started incorporating climate risk data from First Street Foundation into their property listings. Credit: Redfin.

Redfin started publishing flood risk data sitewide in February 2021. But before that, in late 2020, the brokerage leveraged a soft launch of the new feature to conduct a three-month experiment among 17.5 million users. Half of them saw detailed flood risk data and “Flood Factor” scores on the homes they searched, while the other half did not. That randomized flood risk information “had a significant and meaningful impact on users’ search behavior,” and influenced every stage of the home buying process, from initial search to making offers to the final purchase. Over time, buyers who encountered high Flood Factor scores on their initial home searches gradually adjusted their searches toward—and were later more likely to bid on—less flood-prone homes than were users who didn’t see flood risk information.

“Increasing information to home buyers, especially at the moment they’re buying a home, would help them make a different decision when it comes to taking on climate risk,” said Fairweather. 

A Reckoning in the Insurance Market

One way markets traditionally communicate risk is through insurance rates; higher premiums quite clearly reflect a greater likelihood of losses. But right now, the home and flood insurance markets are struggling to adapt to a range of issues, with the costs of climate change-fueled disasters, reconstruction, and fraudulent claims all on the rise.

For decades, FEMA’s National Flood Insurance Program (NFIP) has underpriced coverage, indirectly subsidizing homeowners in flood-prone areas by making it less expensive to live there than it should be. This is evident through simple math: The NFIP is $20 billion in debt, as premiums have failed to keep up with the actual cost of damages incurred.

FEMA took a step toward correcting that imbalance by implementing Risk Rating 2.0 in late 2021, a new methodology that better aligns premiums with an individual property’s flood risk. However, Congress capped NFIP rate increases at 18 percent a year to ease the impact on existing policyholders. A report by the Government Accountability Office found that median flood insurance premiums would still need to almost double, from $689 to $1,288, for the program to be actuarially sound, and that roughly one in 10 properties insured by the NFIP will eventually require at least a 300 percent rate hike. In Naples, Florida, for example, the average annual flood insurance premium among 1,568 policyholders was $2,228 in 2022; FEMA calculated the risk-based cost of those policies should average almost four times as much: $8,067 per year.

Homes in Naples, Florida
In Naples, Florida, the average annual flood insurance premium among 1,568 policyholders was $2,228. FEMA calculations suggest the risk-based cost of those policies should be nearly four times higher. Credit: Andrii Mischykcha via iStock/Getty Images Plus.

Meanwhile, private insurers (whose homeowner policies generally don’t cover flood damage) are increasingly finding it difficult or impossible to provide coverage at fair but profitable rates as windstorms and wildfires grow more destructive, and as reconstruction gets more expensive.

State Farm announced in May that it would no longer write new homeowner policies in California, where it is the largest insurer, citing “rapidly growing catastrophe exposure” and historically high construction costs. Soon after, Allstate announced that it would do the same, making permanent a pause on new policies instituted in 2022. More than a dozen insurance companies have pulled out of Florida and Louisiana in the past two years, leaving homeowners scrambling for coverage.

Insurance companies could theoretically just raise their rates enough to offset increased costs. But insurance is something of a necessity—lenders won’t approve a mortgage without it, and four in five home buyers rely on a home loan to finance their purchases. So, to protect consumers, big insurance premium hikes often must be approved by state regulators. And in California, insurers can only use past losses, not future risk estimates, to justify rate increases. That makes it hard for insurers to price their coverage accurately or profitably as risk intensifies. 

As Michael Wara, director of the Climate and Energy Policy Program at Stanford, told KQED, the price of home insurance in California no longer matches the risk. “Our insurance system kind of pretends that climate change doesn’t exist, and that’s not workable anymore,” he said.

The price signals that private insurers ordinarily provide through premium adjustments are crucial to a functioning real estate market, “because that is ultimately how decisions get made,” University of Pennsylvania economist Benjamin Keys told Penn Today. “When there are incentives for the choices that homebuilders make, that homeowners make, that’s going to reshape where we live and where we build. When we don’t get that price signal, that distorts our perceptions of risk.”

A report by First Street Foundation asserts that millions of US homes face more climate risk than their insurance rates would indicate, creating a “climate insurance bubble” in the market. “You don’t want someone to live in a place that always burns,” First Street Head of Climate Implications Jeremy Porter told Grist. “We’re subsidizing people to live in harm’s way.” In that respect, it makes some sense for home insurers like State Farm and Allstate to stop writing new policies in the most high-risk areas—doing so could help dissuade developers from building in places most likely to burn.

First Street Foundation climate insurance map
According to a recent report from the First Street Foundation, millions of homes in the United States face more climate risk than their insurance rates indicate, creating a “climate insurance bubble.” Credit: First Street Foundation.

But millions of people already live in high-risk areas. And when those homeowners can’t get insurance on the private market, they must turn to state-run plans that offer less coverage at higher prices. These public options are meant to offer policies of last resort, but their role is growing; in Florida, the public Citizens Property Insurance Corporation is now the state’s largest insurer, according to the First Street report, with 1.3 million policyholders. The number of homeowners on California’s state-run FAIR Plan more than doubled between 2018 and 2022, to nearly 273,000.

“I worry that a larger state role in insurance markets will bring political pressure to keep premiums low without reflecting the growing climate risks,” Keys said. “It’s challenging for a state-backed plan to raise rates aggressively on homeowners in that state. There’s real political tension.” State-run plans also transfer financial risk to taxpayers: Florida’s Citizens Property Insurance Corporation expects to turn a profit in 2023, but lost more than $2 billion in 2022. That’s one reason Florida is phasing in a new law over the next four years requiring all Citizens policyholders to obtain flood insurance as well.

In September, California insurance commissioner Ricardo Lara announced emergency steps aimed at stabilizing the state’s wobbly home insurance market by the end of 2024. Under these new rules, insurers will be permitted to consider climate change and future catastrophe risk when setting premiums. However, they’ll also be required to cover a percentage of high-risk homes, to start transitioning homeowners off the FAIR Plan and back into the private market. That could well be enough to draw insurance companies back, Keys says: “When an insurer leaves a state, it doesn’t mean that they don’t want to write insurance policies. It means that they don’t want to write insurance policies under the current regulatory environment and with the current limits on premiums. They want to make a profit.”

As insurance rates rise to account for increased climate risk, one way to ease the impact on homeowners (without artificially suppressing premiums) is for insurers to offer discounts when property owners invest in preventative risk-reduction measures—such as raising a home’s mechanical systems above the base flood elevation, or clearing fire-fueling vegetation from around a house. A new California initiative called “Safer From Wildfires,” introduced in late 2022, requires insurers to recognize and reward fire resiliency measures by offering discounts to homeowners who create five-foot ember-resistant zones around their homes, for example, or who invest in upgraded roofs, windows, or vents.

“By incentivizing policyholders to implement wildfire-resistant measures, insurance companies can create a win-win situation,” the First Street report notes. That could create a positive cycle, reducing the frequency and severity of wildfire losses—and the resulting financial burden on both insurers and communities—while potentially preserving home values.

Change the Lending Landscape

As the government-sponsored enterprises (GSEs) that back most mortgages in the US, Fannie Mae and Freddie Mac wield tremendous influence over the real estate market—and could also help home buyers heed climate risk.

The GSEs already require borrowers purchasing a high-flood-risk home to secure flood insurance as a condition of their mortgage. But they could, in theory, take more aggressive steps to dissuade risky home purchases, such as requiring a bigger down payment on high-risk properties, charging higher interest rates on such loans, or factoring climate risk into valuations. Fannie Mae has started enlisting climate analytics companies like First Street to figure out how and whether it can fairly incorporate climate risk into its underwriting and lending guidelines. 

It’s a delicate exercise, however. Adjusting valuation or lending criteria to make it more difficult or more expensive to get a mortgage in flood-prone areas would very likely devalue the affected homes. And it’s not just expensive beach houses. Due to historical discrimination and redlining practices, low-income households and people of color are disproportionately represented in the most flood-prone areas. These are some of the very communities Fannie and Freddie have been trying to better support through their “Duty to Serve” mandate. 


A Redfin analysis of 38 US metro areas found that people in formerly redlined neighborhoods–areas categorized as undesirable on discriminatory federal lending maps in the 1930s–face higher flood risk and related financial and safety concerns than those in other neighborhoods. Credit: Redfin.

“It’s really a double-edged sword,” said Ellie White, senior associate on the buildings team at RMI. Like the Lincoln Institute, RMI is a member of the Underserved Mortgage Markets Coalition (UMMC), which seeks to hold Fannie Mae and Freddie Mac accountable for bringing housing finance opportunities to families not traditionally served by the private market.

“A main roadblock of incorporating climate risk information into the valuation of a property revolves around this challenge of ensuring that we’re not devaluing properties in already high-risk, low-income, historically disadvantaged communities,” White said. “So I think the GSEs are very cautious, and rightfully so, about what it would mean if we had wide-scale incorporation of those physical risks into the valuation of property.”

The stakes are uniquely high in the US, where homeownership has long been a primary engine of wealth creation. “If not done correctly, this could really completely wipe out families’ generational wealth, and it would disproportionately impact low-income communities,” Welch said. “It’s a really complicated, tricky issue.” Local governments that rely heavily on property taxes could also see major shifts in their tax base if climate risk were fully reflected in home values. While municipalities can typically offset potential revenue loss by adjusting tax rates when property values decline, large shifts in the distribution of tax burdens can create political challenges.

But the GSEs could do other things, like using risk research and data to guide policy, and helping homeowners in high-risk areas pay for resiliency upgrades like elevating structures. “The GSEs can take more action on the community engagement front, to support educational programs and raise awareness of these risks and resilience solutions among home buyers,” White said.


Raising a house above flood level on Long Island, New York. Lenders could influence the market by dissuading the purchase of vulnerable properties and helping existing homeowners pay for resilience upgrades. Credit: John Penney via iStock Editorial/Getty Images Plus.

In a letter to Federal Housing Finance Authority Director Sandra Thompson in August, the UMMC made a wide range of policy recommendations. Among them: requiring the disclosure of both climate risk and energy performance on existing homes backed with GSE mortgages, and requiring new homes backed by GSE loans to meet more energy-efficient building codes. The latter would reduce long-term ownership costs for home buyers, while also reducing financial risk to the GSEs.

Zoning for the Future

Figuring out how to protect, insure, or move residents of existing neighborhoods that face increased climate risk is a thorny problem without many satisfactory solutions. But at the very least, experts say, we should stop creating more at-risk residents, and focus new development in climate-resilient places. 

“New construction has been increasingly going in places with high climate risks, particularly when it comes to wildfire risk and drought risk,” Fairweather said. “And it’s exurban sprawl that is to blame. Because of single-family zoning, people build more and more into places that aren’t naturally equipped for climate change—they’re building into the forests in inland California, they’re building into the deserts, which don’t have access to water.”

New home construction in Nevada
Taking a gamble on new home construction in Nevada. Credit: 4Kodiak via iStock/Getty Images Plus.

Communities should instead be trying to shift development away from high-climate-risk areas, and encouraging more density and affordable housing in safer areas, says Michael Rodriguez, research director at Smart Growth America. “Climate-informed zoning can easily overlay with a lot of other priorities that a city has,” he said, such as transit-oriented development.

Right now, land markets clearly aren’t sending the right signals about climate risk, Welch said, but planners and elected officials could help correct that at a local level. “Updating zoning codes and land use regulations to reflect climate risks, whether it’s wildfire or flooding, are relatively simple ways that local governments can start to move the needle on this,” he said.   

Back in Norfolk, Virginia, city leaders have taken the lead on climate-informed zoning. Over the past decade, Norfolk has adopted a pair of new land use plans: the short-term PlaNorfolk2030, and the long-term Vision 2100, along with accompanying zoning overlays.

The long-range plan divides the city into four color-coded sections. Red zones, which include the naval base and the downtown district where Beale watched stormwater surge through the streets, are densely developed and economically important, but very vulnerable to flooding; the plan calls for investments in flood protection and mitigation in these areas. Yellow zones indicate flood-prone residential and historic areas, where a resilience overlay will discourage new development but support existing residents’ adaptation efforts. Low-risk green zones are where the city wants to invest in denser, transit-rich neighborhoods. And purple zones, which also have a lower flood risk, are slated for infrastructure investments and lower-density development aimed at preserving housing affordability. 

Norfolk Virginia Vision 2100 map
Leaders in Norfolk, Virginia, have developed land use maps that indicate areas where the city intends to invest in flood mitigation and resilience (red and yellow) and areas where new infrastructure and housing development will be encouraged (green and purple). Credit: PlaNorfolk2030.

Such a climate policy can influence land use and real estate decisions in a couple of ways, Rodriguez said. “It might work through literal policy incentives and disincentives, in a tangible sense, like money or regulations,” he said. “But then there’s also the signaling aspect. The city government has now put out a map, and that map in itself can send a signal that can have market impacts.”

Some people worried that, by officially declaring some places risky and others preferable for development, Norfolk’s plan could spook home buyers and investors and sink home values in the high-risk areas. But Rodriguez and his colleagues compared years of sales and permit data before and after the Vision 2100 plan was released, and, as they describe in a new working paper commissioned by the Lincoln Institute, there was no statistical impact on home prices.

That could be the result of the unusually strong pandemic real estate market during the years studied, the authors wrote, or a general lack of climate concern among area home buyers at the time. But it may offer some assurance to hesitant communities: Enacting climate-informed zoning to guide future development doesn’t necessarily have to wreak havoc on existing home values, at least in the short term.

“It’s a long-term solution—it’s not going to change the development patterns or reduce the risk today or tomorrow,” Welch said. “But it’s going to slowly incentivize and push development into less risky areas. And I think one of the takeaways from that study was that you can do this and not immediately crash the local housing market or cause a panic.”

Norfolk’s experience also showed that an inclusive process can ease perceptions of malicious remapping. “You’re drawing lines on the map, and you’re saying, ‘Build here, don’t build there,’” Rodriguez said. “That feels weird, and it feels a little bit like redlining in a historical context of planning. And that feels doubly weird when we know that a lot of the places facing the most climate risk tend to be poor, and tend to have more people of color. . . . There has to be a lot of community input and communication as to what it means to have climate-informed zoning to try and mitigate some of those concerns.”

In that sense, while Norfolk’s policy lacks “teeth” and the city has yet to implement follow-up measures such as density bonuses or the transfer of development rights (which would allow landowners in vulnerable zones to sell their development rights to builders in a low-risk zone), the city has already taken a huge step. “They were one of one of the few communities out there that did anything like this,” Rodriguez said.

States and municipalities have other levers they can pull, too—some more drastic than others.

In water-stressed Arizona, for example—where the Colorado River is overdrawn, and depleted underground aquifers are projected to eventually run dry at current usage levels—state officials recently announced a moratorium on new residential construction that relies on groundwater in the Phoenix metro area. 

Even without placing an outright ban on new construction in high-risk areas, communities can, through zoning and other regulations, effectively stymie risky new development by refusing to fund or permit new streets, water service, and other key infrastructure in high-risk settings. The federal government uses a similar approach to protect sensitive coastal ecosystems through the Coastal Barrier Resources Act. The CBRA doesn’t explicitly outlaw development in those areas, but dissuades it by withholding federal support for things like infrastructure, flood insurance, and disaster relief. That disincentive has proven remarkably effective, research commissioned by the Lincoln Institute has shown, reducing development by 85 percent.

It’s worth noting that Norfolk didn’t outright ban new construction in high-flood-risk areas, either. But it did set stricter building codes in those zones, which can help the city’s built environment adapt to climate risk by accomplishing two things at once. “To the extent that you do build there, at least you’re going to build something that’s more resilient,” Rodriguez said. Meanwhile, higher design standards can add cost and complexity to construction in vulnerable areas, creating a disincentive to build there, and encouraging developers to locate projects on safer sites instead.

Local governments can also charge higher taxes or impact fees to discourage building or buying in high-risk areas—for example, raising water and sewage rates in water-stressed areas, or funding wildfire prevention efforts with a higher tax on fire-prone properties. “Higher fees in risky areas serve two purposes,” write Brookings Institute researchers Julia Gill and Jenny Schuetz. “They encourage price-sensitive households to choose safer locations, and they also provide local governments with more revenue to upgrade the climate resilience of infrastructure.”

All of these policies could help point home buyers toward making better, more rational decisions. But where we choose to live sometimes defies reason.

Flooding in Norfolk, Virginia
Flooding in Norfolk, Virginia, in 2021. Credit: Aileen Devlin/Virginia Sea Grant via Flickr.

Beale, the Norfolk realtor who counsels all her buyers about flood risk, understands why some of them still choose a high-risk home. For some, it’s straightforward economics. “If a buyer can only afford $150,000, and they want a detached house, Norfolk’s going to be it—and it’s maybe in a flood risk area,” Beale said.

But for others, it’s a deep-seated desire that isn’t so easily erased by rising insurance rates or flood disclosure forms. “These are beautiful neighborhoods” of century-old Colonials and tree-lined sidewalks, she said. “It’s not all about money. It’s this perceived dream of homeownership—this ideal of, ‘What do you want your life to be?’”

Unfortunately, the one thing that does seem to break through and change home buyer behavior is witnessing a weather disaster. Beale says many buyers still shy away from particular streets because they remember driving past flood-ravaged houses there after a bad storm.

After all, no one’s ideal dream of homeownership involves fleeing a fire or wading through floodwater. Fairweather expects attitudes to shift as risk increasingly becomes reality for more people. “I think experience will be a teacher,” she said, “as there are more hurricanes and more fire events. I think more homeowners will start to worry about it when they see it in real life.”

 


Jon Gorey is a staff writer at the Lincoln Institute of Land Policy.

Lead image: Tidal flooding in Norfolk, Virginia. Credit: Aileen Devlin/Virginia Sea Grant via Flickr.

Events

Lincoln Institute at COP28

November 30, 2023 - December 12, 2023

Offered in English

Land and water policy is at the heart of climate policy and essential to climate-resilient development. Lincoln Institute staff are participating in the UN’s 28th annual Climate Change Conference (COP28) in Dubai, United Arab Emirates, from November 30 to December 12, to support inclusive and equitable land and water policy responses to the climate crisis.

Lincoln Institute at the Multilevel Action and Urbanization Pavilion

This year, the Lincoln Institute is a Pavilion partner at the Multilevel Action and Urbanization Pavilion, coconvened by ICLEI–Local Governments for Sustainability and UN-Habitat. The Pavilion serves as the global hub for discourse on challenges and solutions to the interconnected issues of climate change and urbanization. Here the Lincoln Institute will focus on the intersection of equitable climate action, land use, urbanization, nature-based solutions, and finance in two sessions on the Global Event Stage and streamed live on YouTube:

Local Solutions in Land: Multilevel Collaboration for Inclusive Climate Resilience 

December 6 at 10:00 a.m. (GMT+4) 

This event will highlight the critical role land and land policy can play in the development of inclusive, resilient communities and how collaboration and networks are essential to scaling up action. Anacláudia Rossbach, director of the Latin America and the Caribbean program at the Lincoln Institute, will moderate. Panelists include:

  • Patrick Welch, policy analyst, Lincoln Institute of Land Policy (moderator)
  • Lauren McLean, mayor of Boise, Idaho
  • Inamara Mélo, general coordinator of adaptation, national secretariat for climate change, Brazilian Ministry of Environment and Climate Change
  • Margaret Mengo, director of program operations in Africa, Habitat for Humanity International
  • Laura Arévalos, community liaison and professor, Villa 20, Buenos Aires, Argentina
  • Juan Carlos Cárdenas, mayor of Bucaramanga, Colombia

Toward Win-Win Outcomes for Climate and Community

December 9 at 1:00 p.m. (GMT+4) 

This event will focus on how communities—from agricultural to highly urbanized—are taking action to reduce and adapt to climate change while balancing their responses with social and economic considerations. Panelists include:

  • Amy Cotter, director of climate strategies, Lincoln Institute of Land Policy
  • John Farner, executive director, Babbitt Center for Land and Water Policy
  • Deepthy Kanneri Balagangadharan, regional director Middle East, Green Business Certification, Inc.
  • Henk Ovink, senior fellow, World Resources Institute, and commissioner, Global Commission on the Economics of Water
  • Perla Lozano, manager, Tecnológico de Monterrey’s Center for the Future of Cities
  • Gabriel Liu, joint secretary at the Brazilian Presidency for Environment, Climate and Agriculture

Hosted by the Lincoln Institute

USG-Civil Society Gathering on Built Environment Day

December 6 at 5:00 pm (GMT +4)

Hosted by the Lincoln Institute of Land Policy, this meet-and-greet reception brings together representatives from the US Department of Housing and Urban Development (HUD) and US civil society organizations attending COP28 to discuss the critical intersections of climate, housing, transport, and the built environment in a relaxed environment.

US Government staff and members of US civil society organizations are invited to RVSP here.

Featuring the Lincoln Institute

Lincoln Institute staff will be featured in several other discussions at COP28, including:

Building Partnerships to Deliver Transformative Climate Action in Cities

December 1

Hosted by The King’s Foundation and Community Jameel, this impact-driven roundtable acknowledges the Declaration on Sustainable Urbanisation and leverages insights from Abdul Latif Jameel Poverty Action Lab (J-PAL) and The Prince’s Foundation’s University of Oxford-partnered research to build partnerships, raise awareness and explore evidence-based solutions towards climate action in cities.

Achieving Climate Targets in the Transport Sector: Can Renewables Pave the Way?

December 5 at 11:30 a.m. (GMT +4)

Co-developed by Asociación Sustenar, the International Union of Railways, the International Union of Public Transport, and REN21, this panel will discuss how renewables and transports can tackle global climate goals together.

Land Use in the Era of Climate Mobility: The Possibilities, Challenges, and Risks of Artificial Intelligence

December 6 at 9:00 a.m. (GMT +4)

Organized by the Global Centre for Climate Mobility and Claudia Dobles (LCAU/MIT), this panel will discuss the challenges and opportunities of introducing AI into land use planning in climate vulnerable countries and communities and its potential for helping to address climate mobility pressures in rural and urban areas.


Details

Date
November 30, 2023 - December 12, 2023
Language
English

Keywords

Adaptation, Climate Mitigation, Resilience, Water

Map of Mississippi River watershed and Gulf of Mexico

Feed the Farm, Not the Algae

By Jon Gorey, November 1, 2023

 

Natural ecosystems offer some powerful solutions to our climate crisis. And nature holds answers to other environmental challenges as well—like figuring out how to feed a growing human population without contributing to climate change, pollution, and toxic algal blooms.  

The invention of synthetic fertilizer allowed farmers to double their yields per acre in the past century, supporting some four billion additional humans. But its use and production can have serious ecological impacts. Along with methane from livestock and the carbon released by soil disturbance, fertilizer is a primary reason why agriculture accounts for about 10 percent of greenhouse gas emissions in the US. But new funding models in the Midwest are providing an incentive to farmers to swap status quo techniques for more sustainable practices.    

The high-temperature production of synthetic nitrogen fertilizer is by itself responsible for 1.4 percent of global carbon emissions. After that fertilizer is applied to crops, it can release nitrous oxide, a greenhouse gas 245 times more potent than carbon dioxide. And excess nitrogen also finds its way into waterways, polluting drinking supplies and wildlife habitat and, in the American Midwest and Plains, flowing down the Mississippi River to create a vast, headline-making “dead zone” in the Gulf of Mexico, where it feeds toxic algal blooms that suck the oxygen out of the water. 

“That is the principal cause of these dead zones and toxic algal blooms in the Gulf of Mexico,” says Jim Levitt, director of the International Land Conservation Network at the Lincoln Institute of Land Policy. “The Mississippi River collects fertilizer runoff from Montana all the way to Pittsburgh, and sends it down in one big spout that flows into the Gulf of Mexico, and it becomes this concentrated soup of nitrogen and phosphorus.”  

However, some fairly simple practices can reduce how much fertilizer farmers need, and how much ends up polluting watersheds. First and foremost, says Matthew Helmers, director of the Iowa Nutrient Research Center at Iowa State University, is resisting the tendency to over-fertilize. About a third of farmers apply more nitrogen than necessary, sometimes in an effort to maximize yields or hedge against risk.  

“If we can reduce the rate, and not reduce yields for the crop,” he says, that cuts nitrogen loss as well as costs for the farmer. Iowa State and other universities developed a calculator to help Midwestern farmers determine the best amount of nitrogen to use depending on their goals. And simply fertilizing in the spring instead of in the fall can also reduce nitrogen runoff by an average of 6 percent.  

Beyond better fertilizer management, regenerative farming—a more holistic and sustainable approach to agriculture that can help restore degraded soil, enhance biodiversity, and protect water and other resources—can also help reduce nitrogen runoff. 

One of the most basic regenerative farming practices is planting cover crops in between growing seasons. “That’s where we try to have something green out there during the period when we’re not growing our cash crop,” Helmers says, “covering the soil surface and taking up nutrients that might otherwise be susceptible to loss.”  

A perennial cover crop such as rye or oat stabilizes the soil, but also converts excess water-soluble nitrate into plant matter, “so there’s less nitrate that could be leached away in the next rainfall event,” Helmers explains. Rarely employed just 30 years ago, the use of cover crops nearly doubled in Iowa between 2017 to 2021, to an estimated 2.8 million acres.  

Other in-field practices include a diverse crop rotation—alternating corn or soybean seasons with forage crops, for example—or growing an energy crop such as switchgrass, which can be used to produce renewable natural gas. (That may sound like gas-powered greenwashing, but it’s a real technology.) Low- or no-till farming, meanwhile, which reduces soil disturbance and leaves most of the plant residue on the surface after harvest, can cut nitrous oxide emissions and help soil retain more carbon and nutrients. No-till farming is now employed on 41 percent of Iowa farmland, or 9.5 million acres.

 

Corn field
No-till farming minimizes soil disturbance, helping soil retain more carbon and nutrtients. Credit: Jason Johnson, USDA Resources Conservation Service.

 

The edge of a farm offers one more chance to halt nitrogen loss as water drains off the cropland and into nearby waterways. “We have a whole suite of practices to treat that water before we deliver it to a stream, and they’re kind of utilizing Mother Nature to promote denitrification,” Helmers says, referring to the natural process that converts nitrate into dinitrogen, the inert, stable gas that makes up most of Earth’s atmosphere.  

In one configuration, underground drainage systems can be diverted so they release water perpendicular to a stream instead of directly into it, forcing it to flow slowly across a 30-foot vegetated buffer. If the soil in that buffer zone doesn’t contain enough organic matter to promote denitrification, then installing a bioreactor—which sounds high-tech, but is simply a trench full of wood chips—can help do the job. These simple methods can reduce nitrate loss by 42 percent or more

“We could also route that drainage water to a wetland—that might be a riverine wetland next to the stream, or an oxbow wetland, or one that we restore,” Helmers says. In addition to providing ecological benefits to the landscape, “those can be very effective for promoting denitrification.”   

Despite the impact of nitrates on both local drinking water and the Gulf’s marine environment, these practices remain voluntary in Iowa and in most other states. But there are federal and local cost-share programs designed to encourage their adoption, some more robust than others.  

Iowa’s Polk County, for example, offers both financial and logistical assistance for installing edge-of-field buffers, making it easier and more economical for farmers who might otherwise be put off by the hassle or cost. And since water treatment plants are finding that it’s more efficient to pay farmers to reduce fertilizer runoff at the source than to build additional treatment facilities, new funding models have emerged that encourage more farmers to introduce conservation measures to their land.  

The multistate Soil and Water Outcomes Fund, for example, pays farmers to create vegetative buffers, plant cover crops, or employ other regenerative agriculture techniques chosen by the farmer. Later in the year, an independent scientific team measures and verifies the reduction in nitrogen or increase in stored soil carbon. The fund then sells a mix of environmental credits to various public and private entities seeking to meet required or voluntary sustainability goals. Water quality credits, for example, allow water treatment facilities subject to strict nutrient reduction standards to fund pollution mitigation at the source instead of paying for expensive new equipment. Carbon offsets, meanwhile, are tied to the amount of additional carbon stored in the soil.  

Importantly, given the growing and valid criticism aimed at carbon offset schemes, those credits are tied to actual outcomes, “after they have been produced and verified,” says Eric Letsinger, CEO of Quantified Ventures, whose AgOutcomes subsidiary jointly manages the fund with the Iowa Soybean Association. The outcomes-based model is “a demonstrably more cost-effective means of achieving environmental improvements than existing ‘pay for practices’ approaches,” he adds, in a paper prepared for the Environmental Defense Fund.  

“Basically the sewage treatment plant pays into a fund, and the fund will contract with soybean farmers to manage their land in a different way, so as to reduce the amount of phosphorus and nitrogen that reaches the streams,” Levitt explains. “That’s a natural climate solution that is applicable to the entire Mississippi River Valley, and will clean up the water more efficiently than building engineered filters into the streams of Guttenberg, Iowa, or Des Moines.”  

In 2021 and 2022, the Soil and Water Outcomes Fund expanded from Iowa into eight more states, and paid farmers an average of $31 per acre to implement new conservation measures on over 241,000 acres of cropland. Those practices prevented 3.4 million pounds of nitrogen and 206,000 pounds of phosphorus from reaching waterways, and sequestered over 465 million pounds of carbon.  

Still, there’s a lot more ground to cover—literally—including millions of acres in Iowa alone. Cultural barriers remain, with some longtime farmers wary of deviating from a proven formula.  

“We need to get over that hump of changing what’s the norm,” Helmers says, perhaps hinting at the most powerful untapped nature-based solution of all: human nature. “We still need to create a sense of urgency—that we have a problem, and we need to do something about it.” 

 


 

Jon Gorey is a staff writer at the Lincoln Institute of Land Policy.

Lead image: This map illustrates how runoff from farms (green areas) and cities (red areas) drains into the Mississippi River, delivering nutrients into the Gulf of Mexico and fueling the annual hypoxic zone. Credit: NOAA.

 

Jim Holway speaks in front of an audience

Land Matters Podcast: Water in the West

Jim Holway Reflects on Decades of Problem-Solving
By Anthony Flint, October 31, 2023

 

Water in the West—one of the most enduring and confounding stories of human settlement anywhere around the world.  

Jim Holway, who retired as director of the Babbitt Center for Land and Water Policy this summer, has spent more than 40 years helping to solve the puzzle of ensuring sustainable water resources in this increasingly arid region. In the latest Land Matters podcast, he describes the challenges ahead, and the kind of leadership—and serious, good-faith negotiation—it will take to establish a more secure water future. 

With some places having their water restricted, and big reservoirs like Lake Mead drawing down to historically low levels, it has become increasingly clear that water from the Colorado River—distributed to nine states in the US and Mexico through a series of agreements and amendments hammered out since the 1920s—is no longer enough to meet the demands of a fast-growing population. 

How did the region get to this point? “I’d say it was a combination of optimism, beginning with allocating more water [than would be available], and then it was just ignoring science for political reasons,” said Holway. “If I want to get my water project approved, it’s going to be a lot easier if I can convince people there’s enough water left for their project too. Even once we should have known better, we acted like we didn’t know better.” 

The water allocations now have a structural deficit, Holway said, that is clear throughout the year-to-year ups and downs of drought and sufficient snowpack. Climate change is intensifying everything. 

“We designed a hydrologic system for a physical reality that is changing on us, and the change in the level of heat is driving the system. More evaporation and more demand for agriculture, more demand in urban use—that heat is actually a more significant factor than precipitation. Whereas there is a lot of uncertainty about what the future precipitation changes will be in the Southwest, it’s very clear that it’s going to be hotter.” 

While politicians debate climate science, Holway says, water and land managers know they have no choice but to prepare for the uncertain future that climate change will bring: “Droughts that cause inadequate supplies for historic uses, floods that exceed the infrastructure we’ve built to handle flooding, wildfires of much greater intensity and size, urban areas that are getting increasingly hot and leading to crisis situations in the middle of the summer—this is the reality of our future, and we need to adapt to deal with it.” 

Building the capacity of local communities to integrate land use planning and the management of water resources has been the calling card of the Babbitt Center under Holway’s tenure, including using scenario planning techniques to map out future supply and demand conditions. Importantly, agriculture—which uses approximately three-quarters of Colorado River water—has increasingly been at the table, Holway said. 

When asked to look to the future, Holway said, “It’s important for anyone doing this kind of work to find some way to sustain themselves. I suspect the thing that makes me most optimistic is when I look at the 20- and 30-year-olds getting involved . . . it seems that they really have an understanding of the challenges they’re inheriting.” 

One of those challenges is developing the capacity to work together as a civilization to address water shortages in a more serious and straightforward manner, he said. 

“When societies fail, it may look like it’s because of a flood, a drought, disease, or warfare. However, societies have survived those challenges before. Why do they not survive the next one? Typically, what we find is they have lost the ability to govern themselves. 

“To me, that is where my main pessimism comes from. It isn’t our water challenge. It’s, will we come together? Will we make the necessary decisions we need to govern ourselves? That is our biggest challenge, and it’s what we’re doing particularly badly at the moment.” 

Water, Holway said, “perhaps will help us rediscover our ability to come together and make collaborative decisions. There are very few things that humans see as critical to their survival [more than] a good water supply. That’s pretty clear and pretty compelling. Let’s hope it’s part of our path forward.” 

Jim Holway served as director of the Babbitt Center for Land and Water Policy from its founding in 2017 until late 2023. He was elected to the board of the Central Arizona Water Conservation District, directed the Western Lands and Communities program with the Sonoran Institute, and served as a professor of practice in sustainability at Arizona State University and assistant director at the Arizona Department of Water Resources. He has degrees from Cornell University and the University of North Carolina, and was inducted into the College of Fellows of the American Institute of Certified Planners. 

You can listen to the show and subscribe to Land Matters on Apple PodcastsGoogle PodcastsSpotifyStitcher, or wherever you listen to podcasts.

Learn more about the Babbitt Center as part of the Lincoln Institute’s work to mitigate and adapt to climate change at http://babbittcenter.org

 


 

Further Reading

Colorado River growers say they’re ready to save water, but need to build trust with states and feds (NPR)

John Farner Named Executive Director of the Babbitt Center for Land and Water Policy (Land Lines magazine)

Fellows in Focus: Neha Gupta (Land Lines magazine) 

The Babbitt Center: Who We Are (Lincoln Institute of Land Policy)

Babbitt Center Video Library (Lincoln Institute of Land Policy)  

The Hardest-working River in the West (Lincoln Institute of Land Policy) 

Sowing Seeds (Lincoln Institute of Land Policy) 

Get your own Colorado River Basin Map (Lincoln Institute of Land Policy) 

 


 

Anthony Flint is a senior fellow at the Lincoln Institute of Land Policy, host of the Land Matters podcast, and a contributing editor of Land Lines.

Lead image: Jim Holway, founding director of the Babbitt Center for Land and Water Policy. Credit: Courtesy image.

A group of people wearing brightly colored

“Mayor’s Desk” Book Highlights Crucial Work of Local Government Leaders

By Kristina McGeehan, November 7, 2023

 

During an era defined by racial reckonings, the COVID pandemic, rapid technological advances, and the unyielding climate emergency, mayors around the world have been thrust into once unimaginable situations. In Mayor’s Desk, an inspiring collection written by Anthony Flint and published by the Lincoln Institute of Land Policy, 20 innovative leaders from five continents share their struggles and successes, along with strategies for making cities more equitable, sustainable, and healthy places to live and work. From Berkeley to Bogotá, Mayor’s Desk proves that progress is possible, even—or maybe especially—in turbulent times, and that local governments are the drivers of global change. 

Since 2018, Lincoln Institute Senior Fellow Anthony Flint has conducted interviews with mayors of large and small cities in the United States, Europe, Africa, Asia, and Latin America about their groundbreaking approaches to our most pressing urban challenges. Mayor’s Desk interviews appear regularly in the Lincoln Institute’s Land Lines magazine and Land Matters podcast. 

In these forthright conversations, local leaders describe how they are using land policy to improve the quality of life for the people who live in their communities. From building a new bike lane to weaning an entire city off fossil fuels, from piloting new sources of revenue to stopping speculators in their tracks, the strategies and solutions in this collection can be of value far beyond their local contexts. The conversations also reveal how the personalities, backgrounds, and values of these mayors shape their leadership styles, whether they are making modest incremental improvements or bold transformations. 

A journalistic time capsule of innovative leadership and tangible change, this book can serve as an inspiration and valuable resource for anyone who wants to understand and influence the evolution of their cities. 

“For mayors, activists, urban planners, students, and citizens of every kind, these pages offer a sample of some of the bold ideas that have been emerging from cities over the past decade,” writes Michael R. Bloomberg, founder of Bloomberg LP and Bloomberg Philanthropies and former mayor of New York City, in the book’s foreword. “The mayors on these pages have differing political viewpoints and party memberships, and that underscores one of the book’s messages: Just as good ideas transcend national borders, they transcend political ideology, too.” 

 


 

About the Author 

Anthony Flint is a senior fellow at the Lincoln Institute of Land Policy, contributing editor to Land Lines, and host of the Land Matters podcast. He is a correspondent for Bloomberg CityLab and the Boston Globe, where he writes about architecture and urban design, and has been a journalist for over 30 years. He is the author of Modern Man: The Life of Le Corbusier, Architect of Tomorrow (New Harvest); Wrestling with Moses: How Jane Jacobs Took on New York’s Master Builder and Transformed the American City (Random House); and This Land: The Battle over Sprawl and the Future of America (Johns Hopkins University Press), as well as coeditor of Smart Growth Policies: An Evaluation of Programs and Outcomes (Lincoln Institute). 

Lead image: Mayor Aki-Sawyerr, center, helps celebrate the installation of marketplace shades in Freetown. Credit: Office of Mayor Yvonne Aki-Sawyerr.