The October 1998 Flood of the Upper Guadalupe River System, Central Texas

The October 1998 flood on the upper Guadalupe River system was produced by a 24-hour precipitation amount of 483 mm at one station, over 380 mm at several other stations, and up to 590 mm over five days, precipitation amounts greater than the 100-year storm as prescribed in Weather Bureau Technical Papers 40 (1961) and 49 (1964). This study uses slope-area discharge estimates and published discharge and precipitation data to analyze flow characteristics of the three major branches of the Guadalupe River on the Edwards Plateau. The main channel of the Guadalupe has a single large flood-control structure at Canyon Dam and five flood dams on the tributary Comal River. On the upper San Marcos River there are five detention dams that regulate 80% of its drainage. The Blanco River, which has no structural controls, generated a peak discharge of 2,970 m3/s from a 1,067 km2 basin. Downstream of Canyon Dam, the Guadalupe River generated a peak discharge greater than 3,000 m3/s from an area of 223 km2. The event exceeded the capacity of both the Comal River and San Marcos flood-control projects and produced spills that inundated areas greater than the 100-year floodplain defined by the Federal Emergency Management Agency.

RP93-395 Liability Insurance and the Family Child Care Provider

Life other small business owners, family child care providers need adequate life, health, and disability insurance to protect their families from the loss of their income. However, child care providers also face unique risks. Perhaps the most important of these risks is the financial loss that would result if the provider were found liable or responsible for the injury or death of a child or a child's parent. If a claim were filed against you as a provider, three different types of financial losses are possible: medical expenses, damages awarded to the victim or his/her family after a lawsuit, and court costs related to your defense. This booklet will help you to: (1) evaluate options for insuring a family child care operation, and (2) evaluate available liability insurance policies.

INSURANCE

We have been working with exterminators on the insurance problems for thirty-five or so years. Recently PCO’s have been doing much in the way of bird control. There does not seem to be anyone that we know of who does strictly bird control insurance, so our group always ties it in with our pest control. I feel that nothing touches everyone so regularly, with the exception of the federal government, as your insurance premiums. I would like to discuss with you the causes and results of accidents and how they can effect insurance premiums.