Insurance Commish Mike Chaney submitted the following essay.
The day after Hurricane Katrina, I was handing out hot dogs to evacuees in Vicksburg. I stopped what I was doing when Gov. Haley Barbour’s office called and told me to get on a Blackhawk helicopter and head south. Soon, I was airborne with First Lady Marsha Barbour, Sen. Charlie Ross, and a few others, flying over the wreckage of South Mississippi. For 80 haunting minutes, no one spoke. The silence said it all—the devastation was unimaginable. At the time of that flight, I was the Senate Education Committee Chair. For the next couple of years, my job was helping to rebuild the Gulf Coast school system, which had sustained over $900 million in damage. To get federal funds, we had to implement building codes. In 2006, the state mandated stronger codes for six southern counties. By 2014, those codes expanded statewide, though with an unfortunate loophole: cities and counties could opt out. When I became Insurance Commissioner and State Fire Marshal in 2008, my new challenge was bringing insurance companies back to the coast. Our post-Katrina goal was simple but critical: make insurance available, affordable, and accountable. Accountable, meaning that companies would pay valid claims. A denied or unpaid claim can be as devastating as the storm itself. Financial failure is its own form of a catastrophic event. We also learned we had to build stronger homes. Remember the Sunday school story? The wise man built his house on rock. That principle guided our approach. The building codes implemented in 2006 were a good start. Then, in 2012, the Federal Emergency Management Agency (FEMA) changed the elevation requirements on the coast for new or improved structures and manufactured housing, raising the Base Flood Elevation (BFE) by three feet. Two decades after Katrina, we’re still fighting for stronger building codes. As a comparison, Alabama saw the value in better codes and launched a mitigation program in 2016. Since then, they’ve mitigated 50,000 homes in Mobile and Baldwin Counties and fortified 8,000 through the Strengthen Alabama Homes program. Those homeowners now enjoy insurance discounts of 20–30%. There was hope for Mississippi when, in 2024, the Mississippi legislature funded the Comprehensive Hurricane Damage Mitigation Program with $5 million, taken from insurance companies, not taxpayers. The program, also known as Strengthen Mississippi Homes (SMH), offered homeowners in the lower three counties $10,000 to retrofit their roofs and see lower premiums. We asked to expand funding for the program in 2025, and the effort died. Then came the real blow: during the May 2025 Special Session, the legislature defunded the program entirely, even though we had completed a test phase, mitigated 29 homes, and were ready for a full launch in July. (KF: But you got your tax cut.) So now, we must act individually. I hope that, even without an active mitigation program, people will take the matter into their own hands. I urge you to prepare now. Talk to your insurance agent, make sure you have proper coverage, and read your policy. Pack a Go-Bag, make an evacuation plan, and mitigate your home as best you can now. If a hurricane hit tomorrow, I believe we’d be better prepared than we were in 2005. Why? Because we’ve built higher, enforced smarter regulations, and used stronger materials. Those changes have directly lowered insurance rates. It’s simple: build better, pay less. Still, we can’t rest. Let’s pray that the next twenty years are filled with quiet storm seasons. But let’s not rely on hope or prayer alone. Call your legislators. Demand funding for mitigation programs. As storms grow more frequent and fierce, we cannot afford to be complacent. Preparation saves lives and property. And now, more than ever, it’s in our hands.Saturday, August 23, 2025
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The Kingfish's Favorite Posts
- Presenting the Mississippi State Capitol (Video)
- Editorial: The airport belongs to Jackson. Period.
- Kelly arrested for taking pics of Rose Cochran
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- PERS gets mo' money but funding level falls
- Majority black public school districts spend more, waste more, fail more
- Jackson's water bond failure: The REST of the story.
- Time to return fire on Banks
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- Throwdown at the Levee Board
- Door shuts on another life
- Truth begins to come out in Irby case
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- Post-election thoughts
- Rest of the story about Crisler's shooting
- Jackson paying $4 million in fees
- Will Jackson end up like Birmingham
- Record-breaking fraud?
- FBI contacted MVT about Evans
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- Are your 401k's safe from Democrats?
- Democrats' Plans for Controlling the Media
- Who is Teresa Ghilarducci?
- Kingfish wins at Ethics Commission
- Tribe of Obama
- Berry V. Aetna (rankin County Cesspool)
- Incest in Dixie: Mississippi Legal Profession
- Jim Hood: Liar
- JFP Tax Problems? (See comments)
- The SafeCity Bill
- Isn't this called secession?
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Trollfest '09
Trollfest '07 was such a success that Jackson Jambalaya will once again host Trollfest '09. Catch this great event which will leave NE Jackson & Fondren in flames. Othor Cain and his band, The Black Power Structure headline the night while Sonjay Poontang returns for an encore performance. Former Frank Melton bodyguard Marcus Wright makes his premier appearance at Trollfest singing "I'm a Sweet Transvestite" from "The Rocky Horror Picture Show." Kamikaze will sing his new hit, “How I sold out to da Man.” Robbie Bell again performs: “Mamas, don't let your babies grow up to be Bells” and “Any friend of Ed Peters is a friend of mine”. After the show, Ms. Bell will autograph copies of her mug shot photos. In a salute to “Dancing with the Stars”, Ms. Bell and Hinds County District Attorney Robert Smith will dance the Wango Tango.
Wrestling returns, except this time it will be a Battle Royal with Othor Cain, Ben Allen, Kim Wade, Haley Fisackerly, Alan Lange, and “Big Cat” Donna Ladd all in the ring at the same time. The Battle Royal will be in a steel cage, no time limit, no referee, and the losers must leave town. Marshand Crisler will be the honorary referee (as it gives him a title without actually having to do anything).
Meet KIM Waaaaaade at the Entergy Tent. For five pesos, Kim will sell you a chance to win a deed to a crack house on Ridgeway Street stuffed in the Howard Industries pinata. Don't worry if the pinata is beaten to shreds, as Mr. Wade has Jose, Emmanuel, and Carlos, all illegal immigrants, available as replacements for the it. Upon leaving the Entergy tent, fig leaves will be available in case Entergy literally takes everything you have as part of its Trollfest ticket price adjustment charge.
Donna Ladd of The Jackson Free Press will give several classes on learning how to write. Smearing, writing without factchecking, and reporting only one side of a story will be covered. A donation to pay their taxes will be accepted and she will be signing copies of their former federal tax liens. Ms. Ladd will give a dramatic reading of her two award-winning essays (They received The Jackson Free Press "Best Of" awards.) "Why everything is always about me" and "Why I cover murders better than anyone else in Jackson".
In the spirit of helping those who are less fortunate, Trollfest '09 adopts a cause for which a portion of the proceeds and donations will be donated: Keeping Frank Melton in his home. The “Keep Frank Melton From Being Homeless” booth will sell chances for five dollars to pin the tail on the jackass. John Reeves has graciously volunteered to be the jackass for this honorable excursion into saving Frank's ass. What's an ass between two friends after all? If Mr. Reeves is unable to um, perform, Speaker Billy McCoy has also volunteered as when the word “jackass” was mentioned he immediately ran as fast as he could to sign up.
In order to help clean up the legal profession, Adam Kilgore of the Mississippi Bar will be giving away free, round-trip plane tickets to the North Pole where they keep their bar complaint forms (which are NOT available online). If you don't want to go to the North Pole, you can enjoy Brant Brantley's (of the Mississippi Commission on Judicial Performance) free guided tours of the quicksand field over by High Street where all complaints against judges disappear. If for some reason you are unable to control yourself, never fear; Judge Houston Patton will operate his jail where no lawyers are needed or allowed as you just sit there for minutes... hours.... months...years until he decides he is tired of you sitting in his jail. Do not think Judge Patton is a bad judge however as he plans to serve free Mad Dog 20/20 to all inmates.
Trollfest '09 is a pet-friendly event as well. Feel free to bring your dog with you and do not worry if your pet gets hungry, as employees of the Jackson Zoo will be on hand to provide some of their animals as food when it gets to be feeding time for your little loved one.
Relax at the Fox News Tent. Since there are only three blonde reporters in Jackson (being blonde is a requirement for working at Fox News), Megan and Kathryn from WAPT and Wendy from WLBT will be on loan to Fox. To gain admittance to the VIP section, bring either your Republican Party ID card or a Rebel Flag. Bringing both and a torn-up Obama yard sign will entitle you to free drinks served by Megan, Wendy, and Kathryn. Get your tickets now. Since this is an event for trolls, no ID is required. Just bring the hate. Bring the family, Trollfest '09 is for EVERYONE!!!
This is definitely a Beaver production.
Note: Security provided by INS.
Wrestling returns, except this time it will be a Battle Royal with Othor Cain, Ben Allen, Kim Wade, Haley Fisackerly, Alan Lange, and “Big Cat” Donna Ladd all in the ring at the same time. The Battle Royal will be in a steel cage, no time limit, no referee, and the losers must leave town. Marshand Crisler will be the honorary referee (as it gives him a title without actually having to do anything).
Meet KIM Waaaaaade at the Entergy Tent. For five pesos, Kim will sell you a chance to win a deed to a crack house on Ridgeway Street stuffed in the Howard Industries pinata. Don't worry if the pinata is beaten to shreds, as Mr. Wade has Jose, Emmanuel, and Carlos, all illegal immigrants, available as replacements for the it. Upon leaving the Entergy tent, fig leaves will be available in case Entergy literally takes everything you have as part of its Trollfest ticket price adjustment charge.
Donna Ladd of The Jackson Free Press will give several classes on learning how to write. Smearing, writing without factchecking, and reporting only one side of a story will be covered. A donation to pay their taxes will be accepted and she will be signing copies of their former federal tax liens. Ms. Ladd will give a dramatic reading of her two award-winning essays (They received The Jackson Free Press "Best Of" awards.) "Why everything is always about me" and "Why I cover murders better than anyone else in Jackson".
In the spirit of helping those who are less fortunate, Trollfest '09 adopts a cause for which a portion of the proceeds and donations will be donated: Keeping Frank Melton in his home. The “Keep Frank Melton From Being Homeless” booth will sell chances for five dollars to pin the tail on the jackass. John Reeves has graciously volunteered to be the jackass for this honorable excursion into saving Frank's ass. What's an ass between two friends after all? If Mr. Reeves is unable to um, perform, Speaker Billy McCoy has also volunteered as when the word “jackass” was mentioned he immediately ran as fast as he could to sign up.
In order to help clean up the legal profession, Adam Kilgore of the Mississippi Bar will be giving away free, round-trip plane tickets to the North Pole where they keep their bar complaint forms (which are NOT available online). If you don't want to go to the North Pole, you can enjoy Brant Brantley's (of the Mississippi Commission on Judicial Performance) free guided tours of the quicksand field over by High Street where all complaints against judges disappear. If for some reason you are unable to control yourself, never fear; Judge Houston Patton will operate his jail where no lawyers are needed or allowed as you just sit there for minutes... hours.... months...years until he decides he is tired of you sitting in his jail. Do not think Judge Patton is a bad judge however as he plans to serve free Mad Dog 20/20 to all inmates.
Trollfest '09 is a pet-friendly event as well. Feel free to bring your dog with you and do not worry if your pet gets hungry, as employees of the Jackson Zoo will be on hand to provide some of their animals as food when it gets to be feeding time for your little loved one.
Relax at the Fox News Tent. Since there are only three blonde reporters in Jackson (being blonde is a requirement for working at Fox News), Megan and Kathryn from WAPT and Wendy from WLBT will be on loan to Fox. To gain admittance to the VIP section, bring either your Republican Party ID card or a Rebel Flag. Bringing both and a torn-up Obama yard sign will entitle you to free drinks served by Megan, Wendy, and Kathryn. Get your tickets now. Since this is an event for trolls, no ID is required. Just bring the hate. Bring the family, Trollfest '09 is for EVERYONE!!!
This is definitely a Beaver production.
Note: Security provided by INS.
Trollfest '07
Jackson Jambalaya is the home of Trollfest '07. Catch this great event which promises to leave NE Jackson & Fondren in flames. Sonjay Poontang and his band headline the night with a special steel cage, no time limit "loser must leave town" bout between Alan Lange and "Big Cat"Donna Ladd following afterwards. Kamikaze will perform his new song F*** Bush, he's still a _____. Did I mention there was no referee? Dr. Heddy Matthias and Lori Gregory will face off in the undercard dueling with dangling participles and other um, devices. Robbie Bell will perform Her two latest songs: My Best Friends are in the Media and Mama's, Don't Let Your Babies Grow up to be George Bell. Sid Salter of The Clarion-Ledger will host "Pin the Tail on the Trial Lawyer", sponsored by State Farm.
There will be a hugging booth where in exchange for your young son, Frank Melton will give you a loooong hug. Trollfest will have a dunking booth where Muhammed the terrorist will curse you to Allah as you try to hit a target that will drop him into a vat of pig grease. However, in the true spirit of Separate But Equal, Don Imus and someone from NE Jackson will also sit in the dunking booth for an equal amount of time. Tom Head will give a reading for two hours on why he can't figure out who the hell he is. Cliff Cargill will give lessons with his .80 caliber desert eagle, using Frank Melton photos as targets. Tackleberry will be on hand for an autograph session. KIM Waaaaaade will be passing out free titles and deeds to crackhouses formerly owned by The Wood Street Players.
If you get tired come relax at the Fox News Tent. To gain admittance to the VIP section, bring either your Republican Party ID card or a Rebel Flag. Bringing both will entitle you to free drinks.Get your tickets now. Since this is an event for trolls, no ID is required, just bring the hate. Bring the family, Trollfest '07 is for EVERYONE!!!
This is definitely a Beaver production.
Note: Security provided by INS.
There will be a hugging booth where in exchange for your young son, Frank Melton will give you a loooong hug. Trollfest will have a dunking booth where Muhammed the terrorist will curse you to Allah as you try to hit a target that will drop him into a vat of pig grease. However, in the true spirit of Separate But Equal, Don Imus and someone from NE Jackson will also sit in the dunking booth for an equal amount of time. Tom Head will give a reading for two hours on why he can't figure out who the hell he is. Cliff Cargill will give lessons with his .80 caliber desert eagle, using Frank Melton photos as targets. Tackleberry will be on hand for an autograph session. KIM Waaaaaade will be passing out free titles and deeds to crackhouses formerly owned by The Wood Street Players.
If you get tired come relax at the Fox News Tent. To gain admittance to the VIP section, bring either your Republican Party ID card or a Rebel Flag. Bringing both will entitle you to free drinks.Get your tickets now. Since this is an event for trolls, no ID is required, just bring the hate. Bring the family, Trollfest '07 is for EVERYONE!!!
This is definitely a Beaver production.
Note: Security provided by INS.
33 comments:
Running for governor in 5, 4, 3, 2, 1.
I rode Katrina out.
It was a big fucking mistake.
Since then I have learned a lot more about climate, geo magnetism, and space weather. It is going to get a lot worse before it gets better. And by a lot worse, it will probably be a mass-extinction level event. Ask your preferred AI about it.
My primary memory is Hinds County deputies getting in the way, butting in gas lines, and then sitting around running their cars with AC on burning the gas while doing NOTHING.
And now the Army Corp. of Engineers in New Orleans wants to meddle with the reservoir levels and raise the downstream Pearl River by 6'. But don't worry, they promise to build a levee system to protect Jackson. What could possibly go wrong?
Total catch 22. Fortifying new construction to meet stronger codes is expensive as hell. But, assuming he’s telling the truth on 20-30% discounts, not doing it and paying substantially higher premiums is expensive too.
Katrina is know as the first man made hurricane.
I see that your tin foil hat is working overtime.
They were on alert for the storm surge's arrival.
"And now the Army Corp. of Engineers in New Orleans wants to meddle with the reservoir levels and raise the downstream Pearl River by 6'."
Except the Pearl River is in the Vicksburg District.
https://usace.maps.arcgis.com/apps/webappviewer/index.html?id=7344e62432694199af7790aa47a32fdd
On August 29, 2005 Hurricane Camille killed more people than it did on August 17, 1969 Mayor A.J. Holloway
I was at Shelby when it hit. Mrs. Marsha showed up sometime in the late afternoon and her and others left in a Huey, if my memory is correct. The rest of the National Guard followed us (MDOT) to the coast while we cut a pig trail down 49. FEMA guys never touched a saw.
"I was at Shelby when it hit"
My Dad was at Camp Shelby in 1969 during Hurricane Camille.
Once those tall loblolly pines began to almost touch the ground, he said that his Infantry platoon finally left their quonset barracks and accepted their Armor buddies invitation to "ride out it out" with them in their tanks and
APC's.
I was only a kid during Camille, but I'll never forget it.
We didn't hear from my Dad for a week., and an Ocean Springs Uncle for almost one month.
No cell phones in 1969.
But thank the Lord for "ham radios".
Katrina was just as bad, but in a different era.
1:12 and 3:34 It's a good thing we've not had catastrophic hurricanes before! Remember that approximately 12 year time period (that even occurred during the Global Warming / Climate Change era) where we didn't have any land-falling significant hurricanes? Yeah, I didn't think you did.
Insurance rates have NOT come down! Plus, the coast has been redlined by insurance companies; some won't sell a policy for a home south of Hwy 90, even though the home received NO damage from Katrina. Thanks for nothing, Chaney!
3:50, Except the actual USACE is in New Orleans. You can download the actual report here.
https://www.mvk.usace.army.mil/Missions/Programs-and-Project-Management/Pearl-River-FRM/
On the Cover Page, it says comments were to be submitted to the following address:
U.S. Army Corps of Engineers
Attention: Jason Emery, Acting Chief,
Environmental Branch, RPEDS
CEMVN–PDS,
7400 Leake Avenue, Room 136
New Orleans, LA 70118
Email: PearlRiverFRM@usace.army.mi
It seems like some of y'all just live to correct other people.
Like the Moon Landing, Katrina was created on a Hollywood back lot.
I’ll never forget the FEMA personnel eating at Char in Jackson during Katrina. All dressed in their polos with logos. I wondered then why the hell weren’t they on the coast? The storm had blown through the day before. Still pisses me off when I think of my taxes paying for this when they should have been on the front line eating what was available to the people who suffered.
I don't care what kinda codes you build to, if you've ever rode one these storms out then you KNOW if Mother Nature Wants it She's Gonna Get It...
@4:44 It pretty clearly says in the article that they flew in a Blackhawk. Nobody has been flying a Huey in the first world world since the 80s. When they were already 30 year old milsurp.
Michael Brown would probably still be lynched if he appeared in Baton Rouge.
"I’ll never forget the FEMA personnel eating at Char in Jackson during Katrina. All dressed in their polos with logos. I wondered then why the hell weren’t they on the coast? The storm had blown through the day before. Still pisses me off when I think of my taxes paying for this when they should have been on the front line eating what was available to the people who suffered."
The day after Katrina, they weren't getting to parts of the coast without a chopper or boat, and it would have taken chainsaws and even heavy equipment to get to many areas. I'm not defending them because I don't specifically who they were, but unless you were down on the coast (I was) during Katrina and its immediate aftermath,it is tough to get a mental picture of what it was like from pictures or videos. There are many areas where few pictures were taken because hardly anyone could get to them to take pictures and those already there had a heck of a lot more to worry about than taking them. People forget that the first iPhone didn't come out until 2007, so it wassn't like today or the last 10-15 years where everyone has a camera at hand 24-7.
I was at Camp Shelby the night that Camille & Katrina come thru. The Friday after Camille came thru on Sunday I headed to the coast with the National Guard just as Governor John Bell Williams declared Marshal Law. The morning after Katrina came through we headed from Camp Shelby to Harrison County with a National Guard Engineering detachment clearing a path on HW49. It took us over 2 hours to arrive due to downed trees, power lines & debris along HW49. Normally it would take 45 minutes. The night before Mrs Barbour arrived around midnight at the Camp Shelby Headquarters Building accompanied by state law enforcement. Two days later Mrs Barbour arrived at the Harrison County Courthouse. She had already visited every town & county along the coast.
I saw both Camille & Katrina damage. Due to lack of codes, lots of trailer parks & poor evacuation the death toll was high for Camille. For Katrina evacuation plans were executed well before the storm. Most deaths were due to failure to evacuate.
Many donations intended for evacuees were absconded by COJ and placed in storage. COJ Public Schools also intercepted school supplies intended for the affected school districts & placed in storage to supplement local school budgets.
@8:28 AM, The Army was still flying UH-1Hs as late as 2008! The United States Military Academy at West Point used one for traffic control during the Class of '08"s Graduation, I was there. The Navy still flies Cobras!
Many of the people who didn't leave for Katrina were in places that didn't flood during Camille. That was what real estate agents, insurance agents, everyone on the Coast used for years as an indicator of whether or not a location was sate, "It didn't flood during Camille." Because Camille was the worst thing that could ever happen. Until Katrina happened.
"They (Hinds County deputies) were on alert for the storm surge's arrival."
August 23, 2025 at 3:49 PM
Being 'on alert' does not mean sit in your patrol vehicle with the engine running for days at a time.
It's amazing how many dignitaries will quickly show up in logo-windbreakers during and immediately following a disaster. And like the preacher at a funeralizin' meal, governors are first in line with the obligatory windbreaker.
As someone who was a shammaster, I don't see what's wrong with that.
What I learned from Katrina. People are stupid .
One improvement since Katrina is allowing people to bring their pets to shelters. No telling how many people who didn't evacuate stayed home because of a beloved pet -- they couldn't stand the thought of leaving that family member alone to suffer and die.
9:49, Some people are allergic to cats and/or dogs. Not all shelters take pets. FYI on pet preparedness:
https://training.fema.gov/may2015.aspx
"...I was handing out hot dogs to evacuees in Vicksburg." Just long enough for the photo-op.
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