Are Boats Good in Floods?

You might be surprised!

The BBB men ferrying things off the boat. All images by author

This is the worst year for flooding that we’ve had since we moved aboard. We have only had a few non-flooded days since Christmas and on Christmas Eve it felt like Planet Earth had given up with land. And on some of the non-flooded days, it was snowing! At least that was a change – I quite like a bit of snow!

Today, I am watching the detritus whoosh past the boat in the floodwater. Mainly bits of tree, some times most of a tree. Often bits of wood, from fences and moorings that are damaged by the flood. Lots of balls, I think there will be a lot of disappointed dogs! A curious amount of cabbage and the other day a fridge came flowing past! It looked very clean, quite new and in good condition – apart from being in the river!

But there is a question I am asked all the time. “Boats are good in floods, aren’t they?”

If I had a litre of water for everyone who says “You’re okay – in the best place”. I’d have a lot of showers and make lots of tea! I’d probably have enough for a bath, if only I had a bathtub!

I have heard it so much over the last month that I thought I’d explain the issues that flooding causes boaters. You know about the problems we have with getting water so I won’t go into that again (we haven’t filled up the tank since the 1st December. We have been filling up bottles at a friend’s outside tap). This is the actual problem of a boat staying safe in floodwater.

Mooring 1: Mooring Pins into a Grass Verge

During the summer months, you’ll see a lot of boats moored alongside rivers or canals with either metal pins hammered into the grass with the ropes tied to them, or attached to the metal edge of the mooring.

Not many boats will use these over the winter, but we were caught out using mooring pins in an unexpected flood at the end of March. We thought the risk of flooding was over. We were wrong!

When the river is fine, they work well. As you can see in the image above. But when the level rises they aren’t good. As you can see in the image below.

The boat is still joined to the mooring pin, but it can’t rise with the water, so it ends up at a jaunty angle. This is going to make everything fall off the shelves and the people will think they’re drunk. But it is worse than that.
Boats have drainage holes along the front and back to let out rainwater and holes to let the sinks drain into the river. If a boat is on the wonk the drainage holes let water in rather than out and the boat sinks.

Those logical people among you might have come up with a solution. Tie the rope to the pin with a lot more slack when you know there is a flood coming. Let’s look at that option.

As long as they have a board to get on, that will be fine…won’t it?

Nope. That’s not a good option, either. In reality, the boat would probably snag on something (the rope, the mooring pin, uneven grass) and tip sideways into the river. If I were clever enough to draw animations I would show you – but I’m not!

So – mooring pins is not the way to go in a flood. What else can we do?

Mooring 2: Flood Poles

This is what the BBB’s winter home has. You may have seen them. Boats tied up to scaffolding poles. Sometimes they are against the riverbank, sometimes as part of some staging.

When we first started mooring against flood poles we tied the boat to the pole. Really securely – we didn’t want to boat to float away, did we?! Then we had a flood and realised that you shouldn’t tie to flood poles!

Looks nice and safe. When the river rises…?

Now, we don’t tie to the flood pole. Instead, we loop the rope around or use mooring rings (steel hoops that go over the pole and you join the rope to – there is one in the flood photo above) and the poles work much better.

Yay! The boat is moored in a flood and no one has drowned!

There is a thrid style of mooring that we haven’t looked at yet.

Mooring 3: Floating Staging

This is the kind of mooring that you often see in commercial marinas. The moorings are made of wood or a strange type of nonslip plastic stagings joined to vertical runners.

The boat is tied to the plastic or wooden staging (or very occasionally concrete – who knew that would float!) and as the river rises, the staging rises with it. The boat floats up with the staging. Almost perfect!

Let’s look at a diagram.

And when it floods?

They don’t even get wet feet!

I have always thought that flood poles with hoops and floating staging style moorings were…as safe as houses! Until this winter. This winter has thrown a whole new load of challenges at us boaters!

Winter 2020/21 Problems

Can you spot the problem with this picture (other than the word ‘River’ not fitting in the picture)? Look at the rope and the flood pole. The river has risen so high that they have run out of pole. Now, the boat is in very fast-flowing flood water and not tied on.

This happened to the rear (stern) rope on the BBB on Christmas Eve. We woke up when it was still dark to find the back of the boat in the middle of the river. The river had risen so high that we ran out of pole at the back. Thankfully we were still joined at the front, but we had to find some other things to tie to. It was a very scary time and totally unexpected. If you’d have asked me a month ago whether I thought the poles were too short, I’d have laughed at you. It would take an inland tsunami to raise the boat high enough to have a problem. I was very wrong. We ran out of rear pole on Christmas Eve, secured the boat as best we could, assuming that the river couldn’t rise any higher and left (using an inflatable canoe – the land was underwater). The river went up a lot more over Christmas Day and Boxing Day and we probably wouldn’t still have the BBB if our neighbours hadn’t helped.

But we weren’t the only people to struggle. I always thought that people with floating moorings were invincible. Nothing could be a problem for them.

Do you remember the detritus that I mentioned at the beginning? The trees, wood, balls, cabbage and fridge? It’s not an issue when it flows down the middle of the river (for me – it’s a pain for the people who maintain the sluices), but at the edge of the river it can get caught up around the boats and that can cause big problems.
We had a big bit of wood wedged between the boat and the mooring which stopped the boat rising with the water. You don’t need a picture to know what happens if the boat doesn’t rise, do you? You’ve got the idea – glug, glug, glug! We have the same issue when the river starts to drop. Stuff can get stuck and stop the boat descending.

This is also a problem for floating staging. The staging doesn’t float because debris that comes with the floodwater gets stuck in the mechanism. This Christmas, some people spent a lot of their time clearing the rubbish from the mechanism, day and night.
And a lot of people found their stagings washed away with the flood.

Are boats always good in floods?

So – no. Boats aren’t always good in floods. We don’t have to worry about sandbags and barricades like houses do – but we definitely have our own problems.

Well, I’d better wrap this up now. I need to go canoeing to get some shopping, but first I have to work out why the boat is on the wonk. What is stuck under it, now?!

And it’s snowing again.

Is it Cheaper to Live on a Boat?

It’s been a little while since I’ve written a proper boaty blog. We’ve gotten into the swing of boat life and don’t have so many crises, so I don’t have as much to write about! If there’s anything you want me to cover – just ask in the comments below or on Facebook. This time I’m covering something I’m often asked.

Is It Cheaper To Live On A Boat?

Well, the simple answer is: yes and no; but that’s not very simple!

Boating forums are full of people wanting to move to the water for a cheaper life. And they are often surprised at the responses from seasoned boaters.

Obviously, it is cheaper. It’s a (sophisticated) floating steel box. That has to be cheaper than living in a house? After all, isn’t that the main reason a lot of people chose to live on the water?

Council Tax

There are many things that are cheaper when you live on a boat. One of the things that I am often told is ‘Hey – at least boats don’t have to pay council tax!’. Technically, that’s true. Boats don’t pay any bills – they don’t have hands and would struggle to open a bank account! But I think they mean that people don’t have to pay council tax when living on a boat. Which is also true – sometimes. Boats are not considered to be property, so they are not eligible for council tax. But some residential moorings are although these moorings are rare and most of the time Council Tax is included in the marina costs.

So – most of the time boat-dwellers don’t pay Council Tax.

Purchase Price

For the average price of a two-bed property in my area, you could buy between 2 and 4 new build boats like the BBB. So – boats are cheaper to buy – undoubtedly! For some people, that means they can live mortgage free – others have a marine loan or standard bank loan. The interest on a marine or standard loan is higher than a mortgage, but the amount of the loan is much lower so the repayments are less. You don’t need conveyancing or estate agents – but second-hand boats do need a survey and boats over 4 years old will need a Boat Safety Certificate which needs renewing every 4 years.

So, it initially looks like boats are cheaper. But there are hidden costs.

Marina Fees

You don’t have to pay to park your house! One of the biggest expenses for many boat owners is the marina bill. This varies from area to area but is generally quite pricey. You could equate marina fees to land rent. You own your boat but have to pay to moor it. A marina which allows residential mooring will give you an address (not many places accept ‘The BBB on the river’)! The marina will give you somewhere safe to moor and often you’ll get tap water, access to a safe car park, a toilet block and facilities to empty the toilet. Some marinas have an onsite cafe/bar, engineers and will sell coal, gas and diesel. Most marinas give you the option to plug the boat into their electricity supply which gives you similar access to electricity as in a house (you can use electric kettles, hairdryers etc). Most marinas charge you separately for the electricity that you have used, using a meter or a metered cable.

Licence

The next biggest bill is the boat licence. This is another bill you don’t have in a house. Your boat needs to be licensed with the authority that maintains the rivers or canals that it will be on. If you move around a lot you might need a licence for more than one authority – if you don’t – you probably won’t! If you have a boat that you use on the river (any boat, even canoes and inflatable dinghies) you must have a licence for it. The fines for not being licensed can be quite high – they can seize the boat if you don’t pay!

Insurance

Just like houses (cars, businesses, pets…) boats need to be insured. Liveaboard boat insurance is a combination of contents insurance (like you would have in a house) and car insurance. They can vary from a simple third party only cover to covering almost everything! Most newer boats have a fairly comprehensive type of cover.

Utilities

We don’t have a gas bill. But we do have to buy gas bottles. In a house I could shop around to get the best deal (often by bundling my utilities together).On a boat, I can’t shop around to get a good deal on my utility bills. I have to pay the price of a bottle of gas. I don’t have broadband or a phone line, but I still need to be connected to the world.  We have a 4g router – similar to the hotspot on a mobile phone. That needs to be paid for. While we don’t have a landline – we all have mobile phones. We can’t shop around for a broadband/mobile/TV landline package which would make it cheaper, we have to buy them separately.

Space

The other thing people forget is the limited space on a boat. It’s hard to buy in bulk – because there’s nowhere to store it! It might be cheaper to buy 18 toilet rolls, but it’s a struggle to store more than 4! If we try to shop in bulk we end up putting things in odd places and forgetting they’re there. Like the baked beans in the bedroom drawer…

So, living on a boat isn’t necessarily that much cheaper than living in a house.

But

There are things liveaboard boaters can do to make life cheaper.

Continuous Cruising

Continuous cruising (CC) for example. This is exactly what it sounds like. Continuous cruisers (CCers) don’t have a regular marina – so no marina fees. They roam around the waterways. There are some fairly complicated rules regarding how long a CCer can stay in one place and how far they are supposed to travel in one year. As a very basic idea – they aren’t supposed to stay in one area more than 14 days and they are supposed to travel from place to place – not just shuttle from one area to another, then back. CC information. CCers don’t have electric hook up at a marina – so no electricity bills. The engine makes electricity when they are travelling, and a lot have solar panels to make electricity when they are moored. Sometimes in the winter, there aren’t enough hours of daylight in the day for the solar panels to top up the boat’s batteries – that’s why, in the winter, you often hear narrowboats running their engines while they’re moored. They’re topping up their batteries. Although that adds a diesel bill into the equation!

Off Grid Mooring

Another similar option is an off-grid mooring. One without any facilities. That keeps the costs low,  the mooring costs are much lower and there aren’t bills for electricity, because there isn’t any!

Both CCing and living off grid are a lot more work. You need to consider where you’re going to get water from (is there a riverside tap anywhere nearby) and what will you do if the river freezes/floods when you need it? You have to sort out an address which might involve paying for one, boatmail, for example. How are you going to empty the toilet? Is there a marina nearby to empty it? Will you enjoy cruising when it’s minus 3 outside and everything is slippery with slush?

To Conclude…

Yes, it is cheaper to live on a boat, but not necessarily a lot cheaper. The cheaper you make it, the harder you make it. 

I wouldn’t live on a boat long term for financial reasons. I do it because I love it!

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