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Staff Handout B1-B3 Discussion and Direction of the Rate of Growth Ordinance ( ROGO ) Marathon, FL Special Call BOCC Meeting January 30, 2019 gi - 3 Why we a re he re ? • 2012 Hurricane modeling and Memorandum of Understanding with DEO and Florida Keys' municipalities • First time in history of 24-hour permanent resident evacuation, the model reached 24 hours • During evaluation and appraisal report comprehensive plan amendment, the BOCC discussed extending ROGO beyond 2023, given the fact that evacuation has reached 24 hours Policy 101.3.2 "The number of permits issued for residential dwelling units under the Rate of Growth Ordinance shall not exceed a total of 1,970 new allocations for the time period of July 13, 2013 through July 12, 2023, plus any available unused ROGO allocations from a previous ROGO year. A ROGO year means the twelve-month period beginning on July 13. Market rate allocations shall not to exceed 126 residential units per year.Unused allocations for market rate shall be available for Administrative Relief. In 2012, pursuant to Rule 28-20.140, F.A.C.,the Department of Economic Opportunity completed the hurricane evacuation clearance time modeling task and found that with 10 years' worth of building permits,the Florida Keys would be at a 24 hour evacuation clearance time.This creates challenges for State of Florida and Monroe County as there are 8,168 privately owned vacant parcels [3,979 Tier I; 393 Tier II, 260 Tier III-A (SPA); 3,301 Tier III, and 235 No tier (ORCA, etc.)] and with 1,970 new allocations this may result in a balance of 6,198 privately held vacant parcels at risk of not obtaining permits in the future. In recognition of the possibility that the inventory of vacant parcels exceeds the total number of allocations which the State will allow the County to award,the County will consider adopting an extended timeframe for distribution of the ROGO allocations through 2033 with committed financial support from its State and Federal partners. This timeframe can provide a safety net to the County and provide additional time to implement land acquisition and other strategies to reduce the demand for ROGO allocations and help transition land into public ownership. The County is actively engaged in acquisitions and is requesting its State and Federal partners for assistance with implementing land acquisitions in Monroe County. The County will allocate the 1,970 new dwelling unit allocations over a 10 year timeframe. If substantial financial support is provided by July 12,2018,the County will reevaluate the ROGO distribution allocation schedule and consider an extended timeframe for the distribution of market rate allocations(through a comprehensive plan amendment). Further,the State and County shall develop a mutually agreeable position defending inverse condemnation cases and Bert J. Harris,Jr.Private Property Rights Protection Act cases,with the State having an active role both directly and financially in the defense of such cases. The County shall distribute ROGO allocations by ROGO year,as provided in the table below. ual Allocation ,MMIll Market Rate Affordable Housing 11111111111/111=013-11 126 71 uJ ly 13,2014-July , , 126 71 July 13,2015-July 12,201'611M 126 Ju 2016-July 12,2017 . 126 i 017-July 12,20181.111= 126 lR�r 568 total AFH r (total available July 13,2018-July 12,2019 126 immediately) IL Ju019-July 12,20 126 do Ammo is 020-July 12,20 126 row July 13,2021-July 12,2022 mall= 126 iiii July 13,2022-July 12,2023 - 126 TOTAL 1,260 710* *(i annua a ig Key subarea) '" The State of Florida, pursuant to Administration Commission Rules, may modify the annual allocation rate. Monroe County will request a Rule change from the Administration Commission to authorize the above allocation timeframe and rate." DECEMBER 2018 _�411i0_ Land Acquisition Funding Available and Potential Balances From 7/1/16•to 12/31/18 $20,000,000 $18,000,000 $16,000,000 $14,000,000 $12,000,00r FUTURE APPLICATION $10,000,000 $8,000,000 o0o aoD *Stewardship Bill Passed 7/1/16 $4,000,000 $2,000,000 $0 Monroe County MCLA ROGO FEMA/DEM-Hazard Monroe County Total County DEP Florida Keys HUD/DEO CDBG Land Authority Fl Reserve Fund(Comp Mitigation Grant 304/316 Fund Keys ACSC Fund Plan 101.7.2) Funding Stewardship Act' Distaster Recovery Progem •Available Balance $3,685,931 51,566,834 53,293,248 $8,546,013 $2,340,055 ■Encumbered or Spent' TOR retired.20.0D TDR retired•134.45 511,004,880 DEP TDR retired=58.09 Conservation& 1DR retired by Density Reduction $1,159,692 55,861,601 miry'154-45 52,659,945 LTF Density Reduction $584,390 _ . Affordable Housing $569,987 52,829,010 ■Potential Funding $10,000,000 $10,000,000 TOTALS: $6,000,000 $10,257,645 $3,293,248•• $19,550,893 $5,000,000 TOTAL TDR RETIREE)=212.54 NOTE:The DEP costs shown are subject to confirmation by DEP- Due Diligence costs initially incurred by BOCC that will ultimately be reimbursed by DEP are listed as DEP costs. 44 The MCLA ROGO Reserve Fund(Comp Plan 101.7.2)total does not reflect outstanding monetary compensation jointly owed by the County and State for the Galleon's Bay and Collins cases. Does the BOCC want to extend ROGO beyond 2023? Current distribution of ROGO Allocations Market Rate Affordable Housing ,2014 lij 126 Ir11111111111 71 U:61,L:57,BPK/NNK:8 P 13,2014-July 12,2015 126 U:61,L:57,BPK/NNK:8 71 ly 13,2015-July 12,2016 I 126 U:61,L:57,BPK/NNK:8 1 'duly 13,2016-July 12,2017 126 U:61,L:57,BPK/NNK:8 July 13,241111111M 126 U:61,L:57,BPK/NNK:8 July 13,2018-July 11,711 126 U:61,L:57,BPK/NNK:8 y 13,2019-July 1M 126 497 total AFH U:61,L:57,BPK/NNK:8 (total available immediately) 'lily 13,2020-July 12, 126 U:61,L:57,BPK/NNK:8 July 13,2021-J 126 U:61,L:57,BPK/NNK:8 July 13,2022-July 12,2023 1 126 U:61,L:57,BPK/NNK:8 dotal 1,260 710* j cludes two annual a'; Option is Do not accept the 300 early evacuation affordable ROGOs and dextend ROGO allocations through 2026 . --_nimeilm Market Rate Affordable Housing July 13,2013-411111.11p4 126 U:61,L:57,BPK/NNK:8 July 13,2014-July 12,2015 126 U:61,L:57,BPK/NNK:8 71 )uly 13,2015-July 12,2 126 T U:61,L:57,BPK/NNK:8 208" 126 U:61,L:57,BPK/NNK:8 126 U:61,L:57,BPK/NNK:8 126 U:61,L:57,BPK/NNK:8 126 U:61,L57.BPK/NNK:8 duly 1 111111111. 124,64 U:6431 L:S729 BPK/NNK:84 497 total AFH 13,2021-July 12,2022.� 12664 (total available immediately) U:61 31 L:5-7 29 BPK/NNK:84 20 —64 U:6131 L:6229 BPK/NNK:84 62 U:30,L:28,BPK/NNK:4 62 U:30,L:28,BPK/NNK:4 1111 62 U:30,L:28,BPK/NNK:4 1,260 eicludes two annual affordable ROGO a r the OVINIEWrieltame Key subarea through the Incidental Take Permit IITP)ending in 2023. Option 2 : Accept the 300 early evacuation affordable ROGOs and extend ROGO allocations until 2026 . ....-..... o allocation for the Big Pine Key/No Name Karea Affordable Housing the In (ITP)a .:g JID Phase One Affordable Market Rate •A aiiocattairtieliMIFtestrictionslOMM Comprehensive Plan Goal 109 and Housin '1 Jy 13,2013• ll= lz6 -rein. POA allocations shall be reserved and utilized for any development with two (2)or 0:61,1:57,BPK/NNK:8 71 ° ore affordable units and shall require a Development Agreement pursuant to Chapter 110, July 13,2014-July U. 1. 126 icle V Development Agreement Authorization. U;61,1:57,BPK/NNK:8 71 Q July 13,2015-July 12,JIM 126 U:61,L57,BPK/NNK:8 71 ° e POA workforce-affordable housing units built under this program shall: 1111111CIIM 126 0 ' be multifamily structures consisting ofattached dwelling units; U:61,1:57,BPK/NNK:8 126 be rental units, U:61,L:57,BPK/NNK:8 ° require a Development A reement ursuant to Cha ter 110 Article V Development -2019 126 o Agreement Authorization; U:61,L:57,8PK/NNK:8 - 126 I):61,1 57,BPK/NNK-.8 ,126E not be placed in the V-Zone or within the Coastal Barrier Resource Systems; u:647 L:536 BPK/NNK:81 require on-site property management; 497 total AFH (total available 42614 immediately) U:647 L:516 BPK/NNK.81 housing-units} incorporate sustainable and resilient design principles into the overall site design, 42613 ensure accessibility to employment centers and amenities; U:646 1676 BPK/NNK:81 0. require deed-restrictions ensuring: 13 U:6,L6,BPK/NNK:1 the property remains workforce-affordable housing in perpetuity; 13 300 total POA AFH Ilk. tenants evacuate during the period in which transient units are required to evacuate; U:6,16,BPK/NNK:1 (total available rental agreements contain a separate disclosure requiring renters to acknowledge that 11 immediately). failure to adhere to the evacuation requirement could result in severe penalties, U'.6,L:S,BPK/NNK'.0 1111 4460960 710• 300•• including eviction,to the resident;and kr, onsite property managers are formally trained in evacuation procedures. Option 3 : Accept the 300 early evacuation affordable ROGOs and do not extend ROGO beyond 2023 . 111 R `O Affordable Housing Phase One Market Rate Affordable Housing m_reh 09 and in.POA allocations shall be reserved and utll zed Tor any development w two(2)old July 13,2013-July 12,2014 i zo 71 a affordable units and shall require a Development Agreement pursuant to Chapter 110, U:61,L:57,BPK/NNK:8 cle V Development Agreement Authorization. July 13,2014-July 12,2015 126 71 r U:61,L:57,BPK/NNK:8 POA workforce-affordable housing units built under thisprogram shall: July 13,2015-July 12,2016 126 71 be multifamily structures consisting of attached dwelling uni_ ts• U:61,L:57,BPK/NNK:8 be rental units; July 13,2016-July 12,2 126 0 require a Development Agreement pursuant to Chapter 110.Article V D U:61,L:57,BPK/NNK:8 Agreement Authorization; • July 13,2017-July 12,2018 ' 126 •61,L:57,BPK/NNK:8 - July 13,2018-July 12,2019 0 not be_ aced in the V-Zone or within the Coastal Barrier Resource Systems; Jill . require on-site property management; July 13,2019-July 12,201111126 0 _ U:61,L:57,BPK/NNK:8 497 total AFH J July 13,2020-July 12,2021 426 27 (total available .,• incorporate sustainable and resilient design principles into the overall site design; U:63 12 L:S4 12,BPK/NNK:8 immediately) Lredeed4estrlctions e ensurinaccessibilityeviction.to tothe employmentr centers and amenities; 300 total POA AFHBJuly 13,2021-July 12,2 roperty remains workforce-affordable housing in perpetuin 1111 (total availablemmediately) g � U: 13,L: 12,BPK/NNK:8 ts evacuate durin the period in which transient units are required to evacuate; l agreements contain a separate disclosure requiring renters to acknowledge that July 13,2022-July 12e to adhere to the evacuation requirement could result in severe penalties 112 L U:65211 BPK/NNK:8 1 esident:and Total 4 269 960 710* 300** operty-managers are formally trained In evacuation procedures. Discussion and direction regarding existing and potential policies and programs to address ROGO and buildout of the Florida Keys Table 1:Analysis of Vacant Parcels in C iiii corporatcd Monroe Coutr:, Florida NUMBER OF YEARS TO THEORETICAL TIER AC ANT PARCELS ALLOCATE JI AXEML%I PERMITS DENSITY" Na Tier(ORCA.etc ) 235 766 Ties I 3.979 1.806 Tier II 393 590 Tier III-A :ou 553 Tier[II 3.301 5.048 TOTAL. 8.168• 41.5 11.-63 TOTAL ALLOC ATION S 1.9"0 POTFNTI Al. LIABILITY 6.10s- `.4.ssnnne:one r I unit per parce'and does not lake into a'colntr adaitional density potential_ •*Theoretical density ana l st_is based on acreage multiplied by the nralmium allocated residential densitt, for each cLL:V category. Ihi.data is pn idei for rilustratn•e purposes only, rondnions specific to the nuinndual pariel, Inc ludinng pinska!size,environmental.e nsrninn. :owing and tier desig;ninon wad other reg_itlatory constraints, such as ROC-O ara the final determinant of development porenna1.1 Data from July 2013 Monroe County White Paper Existing Policies and Programs Less Than Fee Program • The Less-Than-Fee Program was created C to help address environmental, traffic and hurricane evacuation concerns by reducing the development rights on ! fi, , . N ,. vacant land. :r, :, ._ 'r • Under the Less-Than-Fee Program, the I' is, _ County can purchase a development right on a vacant parcel owned by an adjacent lit: P i7 ' -.. ., homeowner. 'will,le As �. Al • Owners that sell the development right to —le ••..' } ` the County retain title to the land and the ability to use the vacant lot for legally- 4 ,.* �' ,,j»` �' allowed accessory uses. • The vacant land is deed restricted to �' permanently retire the right to build a �' "" residence on the vacant lot in perpetuity. ROGO Points : Land Dedication Monroe County offers +0.5 to +5 ROGO points to applicants who propose to voluntarily dedicate vacant, buildable land for the purposes of conservation, resource protection, restoration or density reduction and, if located in Tier Ill outside of Special Protection Areas (SPA), for the purpose of retirement of development rights or providing land for affordable housing where appropriate. ROGO Points : Land Aggregation Monroe County offers +3 to +6 ROGO points to applicants who propose to voluntarily aggregate parcels for the purpose of density reduction through the retirement of development rights. Any lots/parcels that are aggregated require a legally binding unity of title or restrictive covenant, running in favor of, and enforceable by, the County. Transfer of Development Rights (TDRs) The transfer of development rights is a zoning technique that encourages the voluntary transfer of development rights (density) by directing development from certain parcels (sender sites, typically environmentally sensitive) to other parcels deemed to be more appropriate by offering increased density on designated parcels (receiver sites). This mechanism works to protect environmentally sensitive land while maintaining property owners' development rights. Transfer of ROGO Exemptions (TREs Monroe County maintains a program that allows for the off-site transfer (from an eligible sender site to an eligible receiver site) of lawfully established dwelling units, hotel rooms, campground/RV spaces and/or mobile homes within the same planning sub-area. Transfers of market-rate ROGO exemptions requires the sender site to be: (1) redeveloped, or retained, with an affordable housing dwelling unit; (2) dedicated to Monroe County for the development of affordable housing and in- lieu fee per unit or (3) an affordable housing unit is developed on a Tier III property and the sender site is demolished and restored. Currently, there is a moratorium on the transfer of market-rate units except in cases where the market-rate unit is transferred to a receiver site that is a Tier III designated platted lot; within the Improved Subdivision (IS) Land Use District or the Urban Residential Mobile Home (URM) Land Use District, is a platted lot located within the same ROGO planning subarea as the sender site; and is not a working waterfront. Administrative Relief Applicants to ROGO have the ability to apply for Administrative Relief within 180 days of the conclusion of the 16th quarterly allocation period which they have failed to secure an allocation award. The regulations provide specific criteria for eligibility for administrative relief including compliance with all county, state and federal regulations. The existing regulations require the County to coordinate with the Department of Environmental Protection by notifying DEP of any upcoming administrative relief requests at least six months prior to the deadline for administrative relief. This in intended to target Tier I land areas and parcels with the Florida Forever acquisition area. Future Policies and P P IDEA ��� /DE \\)V71- 9 v *QQJ Contiguous Land Merger Adopt Contiguous Land Merger Ordinance, consistent with Murr v. Wisconsin. The ordinance would provide a process by which Monroe County may seek to merge two (2) or more contiguous parcels held in common ownership where one (1) or more of the contiguous parcels does not conform to standards for development due to environmental quality or environmental compatibility. Create a ROGO Category for market- rate workforce housing Develop a new ROGO category of market-rate workforce allocations for applicants who commit to maintaining the property as market-rate workforce housing (earn 70% of income within Monroe County, but NOT subject to affordability criteria). Prioritization of this units could be enhanced by providing a dedicated allocation pool and providing points through the ROGO system for applicants willing to impose a workforce housing deed restriction on single site market-rate ROGOs. Create a ROGO Category whereby the ROGOs must be used for owners who will maintain homestead exemption Develop a new ROGO category of market-rate allocations for applicants who commit to maintaining the property with a homestead exemption to prioritize owner-occupied developments. Prioritization of this units could be enhanced by providing a dedicated allocation pool and providing points through the ROGO system for applicants willing to commit to maintaining a homestead exemption single site market-rate ROGOs. Rezone land from residential uses to other uses Monroe County may identify vacant parcels of land that are currently within a land use (zoning) district that allows residential uses and amend the zoning designation to a zoning district that does not allow residential uses. For example, Commercial 1 and Commercial 2 zoning districts allow for nonresidential use of the parcel, but prohibits any residential use of the parcel. Add nonresidential uses to residential zoning districts (community gardens, small business, boat trailer parking) Monroe County may amend the text of specific land use (zoning) districts to provide for additional nonresidential uses such as community gardens, boat trailer parking, docks, and municipal/private parking, for example. Additionally, Monroe County may consider exempting recreational vehicles from ROGO for vacant lots only. Create Climate Change Adaptation Action Areas disallow any development on land where sea level rise will put land under water in future . Tablet:Comparison of Unified Projection in 2011 and 2015 at hey Wes: 2011 UmRod Unified Sea level Rise Projection 2011 Unified (southeast Florida Regional Climate Change Compact 20151 Year Projecvon P" 1fe 2055i1414►4M11II WI.d Prorecticn Iadonted to te Iretrrenced'a Yee,)010 k ree c reNgeeeite Yea 1997 1„rv,5;,Owe 1 rear� 4tt� tllw i eae� IPCC mail v USACE High NOAA High NRt NRC NRC NRC E.r( Year Median (inches) (inches) NOAA IPCCAR5 USACE > (inches) Curve I Curve III Curve I Curve III Y (1987) (1987) :1187) (1987) Int.•low Madan High H ? tiu 2 ° 2030 6 10 12 n o n n n °, c z 2060 14 26 34 MO 7 5 10 5 6 10 i 2100 31 61 81 6 7 12 II A 5 40 26" '• 2044 9 ?4 11 26 11 14 26 34 111 • V ?o . 15 20 38 49 1 = 14"�- V 2104 22 31 61 81A to «T..�. , ..��...>•M.,.. �•••••.0'� 0 • 2030 Sea Level Rise Projection 3"-7" "92 Moo into '��Year „' ' /tft' • 2060 Sea Level Rise Projection: 9" — 24" • 1' SLR maps — reflect the low end of projected sea level rise for 2060 (IPCC AR5 median) • 2' SLR maps — reflect the high end of projected sea level rise for 2060 (USACE High) Establish an Urban Service District An urban service district is an area in which urban services will be provided and outside of which such services will not be extended thus discouraging development sprawl. Monroe County may create an Urban Service District (USD) to discourage and disallow development of land outside of the designated area (areas served by existing infrastructure including roadways, sewer, water and electric). Monroe County could seek ACSC legislative changes to disallow any extension of public facilities (electric, water, sewer, cable) into Coastal Barrier Resource System (CBRS), opas, urban service district, for example. Monroe County could supplement this strategy to discourage residential development by amending ROGO regulations to either: (1) disallow development without utilities, or (2) give negative points. Currently, negative points in ROGO are obtained for development in Big Pine Key, wetlands, CBRS areas and v-zones (flood plain). Shelter in place Monroe County may allow sheltering in place as long as structures are built accordingly and resilient. This could mean either individuals sheltering in place, shelters provided by the government, or an impact fee assessed on new development to guarantee space within a government provided shelter. Actions Future .. ,,,:, aJ.'' - — 1' r ff l t l . sue . ; . . Lobby Federal government • Lobby Federal government to expand boundaries of Coastal Barrier Resources System (CBRS) in Monroe County that would prohibit the issuance of federal flood insurance for new development for properties within the system, thereby decreasing development pressure without additional takings liability. • Lobby Federal government to disallow National Flood Insurance Program (NFIP) policies for new construction Lobby State Legislature Lobby State legislature to adopt a bill whereby a court must apportion damages for a regulatory taking equally between the State and local government in an Area of Critical State Concern. Eminent Domain Exercise Eminent Domain of environmentally sensitive lands and undeveloped plats, which is a more predictable process as opposed to possible inverse condemnation suits by property owners. Eminent Domain of Unimproved , Platted Rights-of-Way -___,�i,,.J iIIIiIIIIi . I l '� J" ; IIIIIIIIIII Exercise eminent domain to acquire title to __ II unimproved, platted rights-of-way (areas � ��� 11111 111111 mom 11111 11111 mil I'm um typically covered by right-of-way easements V 11111 um 111111 IIIII ' V 11111 IIIIII 111111 IIIII running in favor of the County) for the 111111 11111 111111 111111 11111 \III 11111 111111 111111 11111 purpose of conservation and/or takings 'Ci] IIIII Milli H11111 IIIII liability reduction . This would reduce the IIIII IIIIII HIM II�I� reasonable investment-backed expectations = 1. .:,, - ,,..,[Z7 of development of adjacently located _ r........ platted, privately-owned undeveloped = •r; : ,S., parcels currently without access to an . ... .. cr s h improved right-of-way. t ,�� c s� ..e --t--n i--rr--;--ram--;--"77. r i _._ - -1 it!..T. -'r•- ---ro ..m Foreclose Code liens Pursue foreclosure on code liens with an eye towards possible acquisition and retirement of development rights, when appropriate. Develop purchasin tax deeds pro ram Tax deed auctions present another opportunity to acquire parcels. Due diligence is needed to make sure parcels are not encumbered by other liens, clouded titles or other issues. • The tax collector sells tax certificates on properties when property owners fail to pay taxes. • Purchasers of tax certificates do so because they will recoup their investment plus interest when taxes are paid. • Tax certificates must be held at least 2 years which provides the defaulting owner time to pay their taxes. Tax certificates can be held for up to 7 years. If not redeemed by the end of the seventh year, certificates are void and have no value. • After no less than 2 years, certificate holders wishing to recoup their investment and earned interest can request the parcel be sold at a tax deed auction. • The Clerk of Courts conducts the auctions. Once the winning bidder makes full payment, the certificate holder is paid and title to the property passes to the winning bidder of the tax deed. Raise property taxes Taxable Property Values Countywide Total Value $26,459,840,512 Key Colony Beach, 718,278,978,3% Layton, 62,857,540,0% Village of Islamorada, 3,498,410,051, ____ 13% 1111166 City of Marathon, 2,515,545,762,9% Unincorporated, 12,342,235,312,47% ‘lli . City of Key West, 7,322,804,078,28% •Unincorporated ■City of Key West •City of Marathon •Village of Islamorada •Key Colony Beach •Layton Raise taxes ADDITIONAL COUNTY LAND ACQUISITION FUNDING STRATEGIES These strategies assume there are willing sellers. 11. Increase the 1 cent Tourist Lnpact Tax. Currently 50% of the 1 cent tax is dedicated to land acquisition within the areas from which it is derived and used by MC Land Authority to purchase land for conservation or affordable housing. This tax is collected on hotel rooms rentals and other transient acconunodations. 12. Dedicate 10% of current 1 cent infrastructure sales surtax (§ 212.055(2)(f)3., F.S.). Currently the County may designate 10% of this tax for "other purposes." which could be for land acquisition. 13. Increase sales tax. Currently at 7.5% and dedicate 100% of the revenue generated by the increase to land acquisition. This tax is collected on all qualifying sales at the time of purchase. 14. Establish a special taxing authority, a dedicated revenue stream and corresponding bond issue, by referenduun for an ad-valorem tax to be dedicated to land acquisition. 15. Explore a toll on US 1 with a portion of the funds generated to be used to fund acquisition. restoration and maintenance of conservation lands (similar to Alligator Alley toll for Everglade's restoration). 16. Work with non-governmental organizations, such as the Trust for Public Lands and the Nature Conservancy, to supplement governmental acquisition efforts. Strategies from July 2013 Monroe County White Paper Request FDOT widen roadways Policy 301. 7.2 In recognition of the physical and environmental constraints that may affect the widening of U.S. 1 to four lanes, Monroe County shall coordinate with FDOT on those portions of U.S. 1 that are shown as two lanes on the Future Traffic Circulation Map to maintain them as two lanes for the planning horizon. This policy shall not be construed so as to prohibit the addition of a third lane to be used as a continuous two- way turn lane for those segments with a demonstrated public safety risk, if the third lane has been demonstrated to be the safest alternative. (§163.3177(6)(b)1., F.S.J Conduct carrying capacity study Monroe County may conduct a carrying capacity study to determine the correct balance and needs of permanent residents and tourism with the environmental and water quality constraints. LobbyCitizens insurance to disallow new any policies for new construction