Hurricane Michael Analysis

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10.10.18 Analysis Risk Services Division Legal Notice All consulting services performed by HUB are advisory in nature. All resultant reports are based upon conditions and practices observed by HUB and information supplied by the client. Any such reports may not identify or contemplate all unsafe conditions and practices; others may exist. HUB does not imply, guarantee or warrant the safety of any of the client s properties or operations or that the client or any such properties or operations are in compliance with all federal, state or local laws, codes, statutes, ordinances, standards or recommendations. All decisions in connection with the implementation, if any, of any of HUB s advice or recommendations shall be the sole responsibility of, and be made by, the client. The advice and recommendations submitted in this plan constitute neither a warranty of future results nor an assurance against risk. This material represents the best judgment of HUB and is based on information obtained from both open and closed sources.

Status at () 10 October, 2018 Michael made landfall northwest of Mexico Beach, Florida as an extremely dangerous Category 4 hurricane with sustained winds of 155mph (250km/h). Michael is located approximately 5miles (10km) northwest of Mexico Beach, Florida, and about 20miles (30km) southeast of Panama City, Florida [30.0 north, 85.5 west]. Movement is north-northeast [20 ] at 14mph (22km/h). Hurricane-force winds extend outward to 45miles (75km) and tropical-storm-force winds extend outward up to 175miles (280km) from the center. Life-threatening storm surge is occurring along portions of the Florida Panhandle, Big Bend, and Nature Coast. The worst storm surge is expected later today and tonight between Tyndall Air Force Base and Keaton Beach, where 9 to 14 feet of inundation is possible. Michael will produce potentially catastrophic wind damage where the core of the hurricane moves onshore later today in the Florida Panhandle, with the highest risk between Apalachicola and Panama City. Heavy rainfall from Michael could produce lifethreatening flash flooding from the Florida Panhandle and Big Bend region into portions of Georgia and South Carolina. Locally-ordered evacuations have been ordered in several Florida counties. Page 2 of 14

Summary At 1400 EDT (1800 UTC) the National Hurricane Center reports the center of located approximately 5miles (10km) northwest of Mexico Beach, Florida, and about 20miles (30km) southeast of Panama City, Florida [30.0 north, 85.5 west]. Michael is currently moving north-northeast [20 ] at 14mph (22km/h). Minimum central pressure is reported at 919mb (27.14inches). A turn toward the northeast is expected this afternoon or tonight. A motion toward the northeast at a faster speed is forecast on Thursday through Friday night. On the forecast track, the center of Michael will move inland across the Florida Panhandle this afternoon and across southeastern Alabama and southwestern Georgia tonight. Michael will move northeastward across the southeastern United States through Thursday night, and then move off the Mid-Atlantic coast away from the United States on Friday. Maximum sustained winds have increased to 155mph (250km/h) with higher gusts. Michael is an extremely dangerous category 4 hurricane on the Saffir-Simpson Hurricane Wind Scale. Michael should weaken as it crosses the southeastern United States and is forecast to become a post-tropical cyclone on Friday. Strengthening is forecast as the system moves over the western Atlantic. Hurricane-force winds extend outward to 45miles (75km) and tropical-storm-force winds extend outward up to 175miles (280km) from the center. Discussion Although steady weakening is predicted once the hurricane moves inland, the core of Michael will bring hurricane-force winds well inland over the Florida Panhandle, southeastern Alabama, and southwest Georgia. The system is predicted to remain a powerful extratropical cyclone over the north Atlantic through at least day 4. The hurricane will weaken somewhat as it moves inland but is expected to re-strengthen as an extra-tropical low as it moves over the western Atlantic. Page 3 of 14

Key Messages 1. Life-threatening storm surge is occurring along portions of the Florida Panhandle, Big Bend, and Nature Coast. The worst storm surge is expected later today and tonight between Tyndall Air Force Base and Keaton Beach, where 9 to 14 feet of inundation is possible. 2. Michael will produce potentially catastrophic wind damage where the core of the hurricane moves onshore later today in the Florida Panhandle, with the highest risk between Apalachicola and Panama City. 3. Life-threatening hurricane-force winds will occur well inland across portions of the Florida Panhandle, southeast Alabama, and southwestern Georgia as the core of the hurricane moves inland later today and this evening. 4. Heavy rainfall from Michael could produce life-threatening flash flooding from the Florida Panhandle and Big Bend region into portions of Georgia, the Carolinas, and southeast Virginia. 5. Tropical storm conditions will affect portions of the southeast U.S. coast from northeast Florida through North Carolina, and tropical storm warnings are in effect for these areas. Watches and Warnings A Storm Surge Warning is in effect for Okaloosa/Walton county Line, Florida to Anclote River, Florida. A Storm Surge Watch is in effect for Anclote River, Florida to Anna Maria Island, Florida including Tampa Bay and Oracoke Inlet, North Carolina to Duck, North Carolina. A Hurricane Warning is in effect for the Alabama / Florida border to Suwannee River, Florida.. A Tropical Storm Warning is in effect for Suwanee River, Florida to Chassahowitzka, Florida; as well as north of Fernandina Beach, Florida to Duck, North Carolina and Pamlico and Albemarle Sounds. A Storm Surge Warning means there is a danger of life-threatening inundation, from rising water moving inland from the coastline. This is a life-threatening situation. Persons located within these areas should take all necessary actions to protect life and property from rising water and the potential for other dangerous conditions. Promptly follow evacuation and other instructions from local officials. A Hurricane Warning means that hurricane conditions are expected somewhere within the warning area. A warning is typically issued 36 hours before the anticipated first occurrence of tropical-storm-force winds, conditions that make outside preparations difficult or dangerous. Preparations to protect life and property should be rushed to completion. A Tropical Storm Warning means that tropical storm conditions are expected somewhere within the warning area within 36 hours. A Storm Surge Watch means there is a possibility of life-threatening inundation, from rising water moving inland from the coastline. Page 4 of 14

Hazards Affecting Land STORM SURGE: The combination of a dangerous storm surge and the tide will cause normally dry areas near the coast to be flooded by rising waters moving inland from the shoreline. The water has the potential to reach the following heights above ground if peak surge occurs at the time of high tide: Tyndal Air Force Base, Florida to Aucilla River, Florida 9 14 ft Okaloosa/Walton County Line to Tyndall Air Force Base 6 9 ft Aucilla River, Florida to Cedar Key, Florida 6 9 ft Cedar Key to Chassahowitzka, Florida 4 6 ft Chassahowitzka to Anna Maria Island including Tampa Bay 2 4 ft Sound side of the North Carolina Outer Banks from Ocracoke Inlet to Duck 2 4 ft The deepest water will occur along the immediate coast in areas of onshore winds, where the surge will be accompanied by large and destructive waves. Surgerelated flooding depends on the relative timing of the surge and the tidal cycle, and can vary greatly over short distances. WIND: Tropical storm and hurricane conditions will continue to spread inland across portions of the Florida Panhandle, southeastern Alabama and southwestern Georgia this afternoon and tonight. With the landfall of Michael's eye occurring, everyone in the landfall area is reminded not to venture out into the relative calm of the eye, as hazardous winds will increase very quickly as the eye passes! Tropical storm conditions are expected to spread northward within the warning area along the southeast U.S. coast beginning tonight through Friday. RAINFALL: Michael is expected to produce heavy and excessive rainfall in the following areas: Florida Panhandle and Big Bend, southeast Alabama, and portions of southwest and central Georgia could receive 4 to 8 inches, with isolated maximum amounts of 12 inches. This rainfall could lead to life threatening flash floods. The remainder of Georgia, the Carolinas, and southern Virginia could receive 3 to 6 inches with isolated maximum amounts of 8 inches. This rainfall could lead to life-threatening flash floods The Florida Peninsula, eastern Mid-Atlantic States, and the southern New England coast could receive 1 to 3. SURF: Swells generated by Michael are affecting the coasts of the eastern, northern, and western Gulf of Mexico. These swells are likely to cause lifethreatening surf and rip current conditions. TORNADOES: The threat for tornadoes is possible across parts of the Florida Panhandle, the northern Florida Peninsula through this afternoon. The risk will spread northward into parts of Georgia and southern South Carolina this afternoon and tonight. Page 5 of 14

Current Predicted Path Page 6 of 14

Tropical-Storm-Force Wind Speed Probabilities Page 7 of 14

Most Likely Arrival Time of Tropical-Storm-Force Winds Page 8 of 14

Rainfall Potential (1 5 day) Page 9 of 14

Flash Flood Potential Page 10 of 14

Storm Surge Watch/Warning Graphic Page 11 of 14

Safety Procedures & Readiness Hurricane Hazards While hurricanes pose the greatest threat to life and property, tropical storms and depressions also can be devastating. The primary hazards from tropical cyclones (which include tropical depressions, tropical storms, and hurricanes) are storm surge flooding, inland flooding from heavy rains, destructive winds, tornadoes, and high surf and rip currents. Storm surge is the abnormal rise of water generated by a storm's winds. This hazard is historically the leading cause of hurricane related deaths in the United States. Storm surge and large battering waves can result in large loss of life and cause massive destruction along the coast. Storm surge can travel several miles inland, especially along bays, rivers, and estuaries. Flooding from heavy rains is the second leading cause of fatalities from landfalling tropical cyclones. Widespread torrential rains associated with these storms often cause flooding hundreds of miles inland. This flooding can persist for several days after a storm has dissipated Winds from a hurricane can destroy buildings and manufactured homes. Signs, roofing material, and other items left outside can become flying missiles during hurricanes. Tornadoes can accompany landfalling tropical cyclones. These tornadoes typically occur in rain bands well away from the center of the storm Dangerous waves produced by a tropical cyclone's strong winds can pose a significant hazard to coastal residents and mariners. These waves can cause deadly rip currents, significant beach erosion, and damage to structures along the coastline, even when the storm is more than a 1,000 miles offshore Now is the time to prepare. All residents and visitors in the path of the hurricane should review these tips: Check to make sure your emergency kit is stocked and test your family communications plan. Know your evacuation routes and how to find higher ground. Determine where you would go, and how you would get there if instructed to evacuate. If directed to evacuate by local officials, evacuate. Stay vigilant and continue to monitor local radio or TV stations and local emergency management officials for updated weather and emergency information. The FEMA App (available in English and Spanish) provides National Weather Service alerts (for up to 5 areas), emergency kit checklists, directions to open shelters, safety preparation tips and more. Make plans to secure your property: o Cover all of your home s windows. Permanent storm shutters offer the best protection for windows. A second option is to board up windows with 5/8 marine plywood, cut to fit and ready to install. Tape does not prevent windows from breaking. o Reinforce your garage doors; if wind enters a garage it can cause dangerous and expensive structural damage. o Plan to bring in all outdoor furniture, decorations, garbage cans, and anything else that is not tied down. o Determine how and where to secure boats and other marine craft. You can safely install a generator for emergencies. Remember, never run a generator inside and keep it away from windows, doors, and vents. If using candles, please use caution. If possible, use flashlights instead. If you must use candles, do not burn them on or near anything that can catch fire. Your phone is an important tool to ensure your family s safety. Make sure to charge your phone and other electronic devices. Businesses of all sizes are encouraged to follow local public safety authority direction and to share safety messaging with employees in order to reduce risk. If you have a National Flood Insurance Program (NFIP) flood insurance policy, you may be eligible for reimbursement for actions taken to protect your property. Call your insurance agent to find out more. Page 12 of 14

The Saffir-Simpson Hurricane Wind Scale The Saffir-Simpson Hurricane Wind Scale is a 1 to 5 rating based on a hurricane's sustained wind speed. This scale estimates potential property damage. Hurricanes reaching Category 3 and higher are considered major hurricanes because of their potential for significant loss of life and damage. Category 1 and 2 storms are still dangerous, however, and require preventative measures. In the western North Pacific, the term "super typhoon" is used for tropical cyclones with sustained winds exceeding 150 mph. Category Sustained Winds Types of Damage Due to Hurricane Winds 1 2 3 (major) 4 (major) 5 (major) 74-95 mph 64-82 kt 119-153 km/h 96-110 mph 83-95 kt 154-177 km/h 111-129 mph 96-112 kt 178-208 km/h 130-156 mph 113-136 kt 209-251 km/h 157 mph or higher 137 kt or higher 252 km/h or higher Very dangerous winds will produce some damage: Well-constructed frame homes could have damage to roof, shingles, vinyl siding and gutters. Large branches of trees will snap and shallowly rooted trees may be toppled. Extensive damage to power lines and poles likely will result in power outages that could last a few to several days. Extremely dangerous winds will cause extensive damage: Well-constructed frame homes could sustain major roof and siding damage. Many shallowly rooted trees will be snapped or uprooted and block numerous roads. Near-total power loss is expected with outages that could last from several days to weeks. Devastating damage will occur: Well-built framed homes may incur major damage or removal of roof decking and gable ends. Many trees will be snapped or uprooted, blocking numerous roads. Electricity and water will be unavailable for several days to weeks after the storm passes. Catastrophic damage will occur: Well-built framed homes can sustain severe damage with loss of most of the roof structure and/or some exterior walls. Most trees will be snapped or uprooted and power poles downed. Fallen trees and power poles will isolate residential areas. Power outages will last weeks to possibly months. Most of the area will be uninhabitable for weeks or months. Catastrophic damage will occur: A high percentage of framed homes will be destroyed, with total roof failure and wall collapse. Fallen trees and power poles will isolate residential areas. Power outages will last for weeks to possibly months. Most of the area will be uninhabitable for weeks or months. Page 13 of 14

For Additional Information: American Red Cross http://www.redcross.org/ US Coast Guard Storm Center https://www.uscg.mil/news/stormcenter/ US National Hurricane Center www.nhc.noaa.gov US Federal Emergency Management Agency http://www.ready.gov/hurricanes FEMA Mobile App https://www.fema.gov/mobile-app Ready Gov www.ready.gov Centers for Disease Control and Prevention https://www.cdc.gov/healthywater/emergency/extreme-weather/floods-standingwater.html Listo Gov (Spanish) www.listo.gov Emergency Management Agencies https://www.fema.gov/emergency-management-agencies Caribbean Disaster Emergency Management Agency http://www.cdema.org/index.php?option=com_wrapper&view=wrapper&itemid=417 Smart Traveler Enrollment Program https://step.state.gov/ Page 14 of 14