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Item C2M C ounty of f Monroe ELj » °o � BOARD OF COUNTY COMMISSIONERS /� r i � �� Mayor George Neugent, District 2 The Florida. Ke Se y I Mayor Pro Tern David Rice, District 4 Danny L. Kolhage, District I Heather Carruthers, District 3 Sylvia J. Murphy, District 5 County Commission Meeting November 29, 2017 Agenda Item Number: C.2 Agenda Item Summary #3592 BULK ITEM: No DEPARTMENT: Assistant County Administrator Christine Hurley TIME APPROXIMATE: STAFF CONTACT: Christine Hurley (305) 292 -4441 N/A AGENDA ITEM WORDING: Presentation of Hurricane Irma structural damage and discussion and direction on potential mitigation opportunities (State and Federal Grants) for disaster - specific programs potentially available to the County for the purpose of facilitating recovery from Hurricane Irma. ITEM BACKGROUND: The Monroe County Mayor declared a State of Local Emergency on September 5, 2017 due to Hurricane Irma, a "threat of danger to the populace inhabiting Monroe County" and that the County "may require expedient action in order to protect the health, safety and welfare of the community." Hurricane Irma, a Category 4 hurricane, made landfall in the Florida Keys on September 10, 2017, causing substantial damage to and loss of property. During the initial recovery phase, County staff conducted preliminary damage assessments, safety inspections (placarding) and substantial damage inspections to determine the level of damage of structures in unincorporated Monroe County. Attached are the damage inspection results. Further, FEMA and State Officials have participated in potential recovery opportunities the County will be eligible for in post storm redevelopment. Attached is a summary table that shows the potential grant and programs available to the County during the next several years as we recover from the damage. Potential eligible activities under these programs include: • Elevating structures above minimum flood elevations • Wind retrofits • Mitigation reconstruction • Second flood conversion of residential structures • Acquisition and relocation of flood prone structures • Buyouts of floodprone structures and returning land areas to natural open space • Mobile home tie downs • New and replacement or rehabilitiation of damaged or non - damaged structures if a need can be shown • Purchase and rehabilitation of housing • Loans to individuals to facilitate repair and purchase of storm damaged homes • Low interest loans to homeowners to repair and rebuild • Low interest financing to individuals for wind energy efficiency improvements PREVIOUS RELEVANT BOCC ACTION: N/A CONTRACT /AGREEMENT CHANGES: N/A STAFF RECOMMENDATION: Direction on potential mitigation opportunities (State and Federal Grants). DOCUMENTATION: Post - Disaster Housing - Mitigation Programs - Final Recovery Program Matrix for BOCC FEMA HMA HMGP tri 2015 508 FY 2017 PDM Fact Sheet FY 2017 FMA Fact Sheet Hurricane Loss Mitigation Program.FF_Govt presentation Rev 05 -10 -12 About - the -CDBG- Program 2016 HOME Investment Partnerships Program FAQ HUD Section 203.K Home Rehabilitation Mortgage Loan Program. 2005 -09FHA Three_Step_ Process _SBA 3592.Div. of Emerg. Mgmt. Project_ Type_ Recommendation FINANCIAL IMPACT: Effective Date: Expiration Date: Total Dollar Value of Contract: Total Cost to County: Current Year Portion: Budgeted: Source of Funds: CPI: Indirect Costs: Estimated Ongoing Costs Not Included in above dollar amounts: Revenue Producing: Grant: County Match: Insurance Required: Additional Details: If yes, amount: Cost center is not known or not yet created 11/29/17 NEW COST CENTER ADDED $0.00 REVIEWED BY: Christine Hurley Completed 11/21/2017 10:11 AM Mayte Santamaria Completed 11/21/2017 10:47 AM Steve Williams Completed 11/21/2017 11:14 AM Budget and Finance Completed 11/21/2017 11:15 AM Maria Slavik Completed 11/21/2017 11:18 AM Kathy Peters Completed 11/21/2017 11:30 AM Board of County Commissioners Pending 11/29/2017 10:00 AM Post - Disaster Housing – Housing & Mitigation Programs as Resources FEMA Individual Assistance Funded /Administered By: Availability – Post - Stafford Act Program ( "IA's FEMA Declaration FEMA's Individual Assistance or "IA" Program is authorized following a Stafford Act Declaration with the primary purpose of providing financial help or direct services to those who have necessary expenses and serious needs if they are unable to meet these needs through other means. Primarily, the major focus is on Housing Assistance and Other Needs Assistance. There is no local match requirement, but insurance proceeds must be considered in determine an award from FEMA. Housing Application – Through IA, FEMA provides resources to help individuals repair their own homes (minor damage), to find temporary and transitional housing elsewhere, and in some cases replacement where the cost to repair is close to the $33,000.00 cap. Direct Housing Mission – FEMA may, in some extraordinary circumstances, authorize FEMA to provide HMUs and Travel - Trailer structures while residents rebuild Direct Leasing – FEMA can enter into lease agreements with residential and multi- residence properties to house displaced disaster survivors Time Frame – Immediately to up All "projects" are individual grants between FEMA and displaced 18 Months persons. Rental Repair Pilot Program (now Funded /Administrated by: Availability: Post - Disaster in known as "STEP ") County throuLyh FEMA ExtenuatinLy Circumstances FEMA designed —in the immediate aftermath of Hurricane Sandy – the Sheltering and Temporary Essential Power (STEP) Pilot Program to assist State, local and Tribal governments in performing work and services essential to saving lives, protecting public health and safety, and protecting property. In particular, FEMA intends STEP to provide essential power to affected residences, thereby reducing the demand for other shelter options and allowing individuals to return to or remain in their home. Housing Application – This program is designed to allow homeowners to have limited, rough repairs to their structure where it is not substantially damaged, but can be made livable (sheltering in place) until more permanent repairs are made. There is a $20,000.00 cap per structure, and the program is limited to owner- occupied homes (no renters or secondary homes). The County would hire the contractors and manage the contract with assistance from consulting support. Timeframe: Short to Medium Project Types Pertaining to Housing – Individual applicants (County Term in our case) can work with FEMA to develop a list of eligible repair Hazard Mitigation Grant I Funded /Administered B Availability – Post- Stafford Act � ht s: www.fema. v media -libra -data 20130726 - 1858 - 25045 -8258 ste ilot ro am final 111612. df Program ( "HMGP ") I FEMA I Declaration The HMGP is authorized following a Major (Stafford Act) Disaster Declaration by FEMA. States manage the program, and through an application prioritization process, eligible applicants (typically local governments) apply for and receive funding for brick- and - mortar projects designed to improve resilience. These grants are typically cost - shared at 75% federal funds, with a 25% local (non - federally - funded) match. • Housing Application — The HMGP can be used to sponsor the mitigation of private property (both residential and non - residential) from a variety of natural hazards. [Relevant] Eligible project types include: • Elevation of Structures with First Floor Elevation ( "FFE ") before the regulatory or advisory Base Flood Elevation (`BFE'� • Mitigation Reconstruction — The demolition of an existing structure, and the subsequent reconstruction of a code - compliant /plus structure. However, there are several limitations as to what federal funds can be used for, and a cap on federal funding limits. • Wind - Retrofit — The load bearing elements of the building envelope, as well as any openings (doors, windows, vents, etc.) can be structurally modified or protected to increase resistance to high winds. • It should also be noted that any three of these combinations may actually overlap in a given circumstance. • Notable Programmatic Characteristics & Limitations • Reimbursement Program — Eligible costs must be reviewed and verified prior to reimbursement • Duplication of Benefits — Homeowners must demonstrate any IA funds received for emergency repairs were used for intended purposes. Same with insurance proceeds. • Property must be deed restricted to require flood insurance for the life of the structure. Time Frame: 1 — 2 years from Project Types Pertaining to Housing: Including, but not limited to: event date. • Elevation of Residential Structures • Flood- proofing of Non - Residential Structures • Wind - retrofitting of Residential Structures • Residential Flood- Control Projects Benefiting Multiple Structures • Demolish and Rebuild of Mitigated Building Envelope [`Mitigation Reconstruction "] • Acquisition and Relocation of Flood -Prone Structures (existing /active NFIP insurance policy NOT required) • Acquisition of Flood -Prone Structures for Perpetual Open Space (existing/active NFIP insurance policy NOT required 2 Pre - Disaster Mitigation Program Funded /Administered By: Availability — Post- Stafford Act ( "PDM ") FEMA Declaration The PDM program is similar to both the HMGP and FMA in several ways. Like the FMA program, PDM is offered annually and, administratively, it is managed in much the same way. Unlike FMA, however, PDM is not strictly tied to reducing the number of repetitive loss and severe repetitive loss structures burdening the NFIF. More like the HMGP, it can be used to fund novel or non - traditional mitigation measures, but the same residential mitigation project types remain eligible, • Housing Application — Offered annually, PDM could also be used strategically to target properties that do not meet the repetitive loss or severe repetitive loss designation, but otherwise could be eligible for mitigation. The pre - application insurance requirement does not apply to PDM applications, another factor in deciding how to utilize this particular Program. o One possible strategy would be to identify a subset of property types (mobile homes outside of designated parks) and group them together under PDM to keep a clean functional grouping of mitigated strategies. For example, we could target willing mobile home owners who cannot replace with another mobile home for the mitigation reconstruction of a compliant (possibly modular) home on the site. • Notable Programmatic Characteristics & Limitations • Availability and Reliability — PDM is typically funded at about a' /4 of the amount of FMA in a given year, recently to the tune of 50 to 99 million dollars across the entire country. There are also certain priority projects, typically applications to update state and local mitigation plans, that must be funded first. All taken together, the PDM is the least reliable FEMA Hazard Mitigation Assistance ( "HMA'� program to rely on to implement a long -term housing / resiliency strategy. • Funding — Unlike FMA, these subgrants may only be funded by no more than 75% federal share, and when limited by the regulatory requirement for cost - effectiveness, the upper limit of the cost per structure can become an issue for some project types Time Frame: 1 — 1.5 years from Project Types Pertaining to Housing: Including, but not limited to: application submission date • Elevation of Residential Structures • Flood- proofing of Non - Residential Structures • Wind - retrofitting of Residential Structures • Residential Flood- Control Projects Benefiting Multiple Structures • Demolish and Rebuild of Mitigated Building Envelope [`Mitigation Reconstruction "] • Acquisition and Relocation of Flood -Prone Structures (existing /active NFIP insurance policy NOT required) • Acquisition of Flood -Prone Structures for Perpetual Open Space (existing /active NFIP insurance policy NOT required) Flood Mitigation Assistance Funded /Administered By: Availability - Annually Program ( "FMA ") FEMA /NFIP The FMA program is an annually- funded, nationally competitive program with the stated purpose of mitigating structures that are covered by a NFIP policy. The project types are nearly identical to the HMGP, but all projects submitted must be tied to the goal of relieving the burden on the National Flood Insurance Fund ( "NFIF "). Housing Application — The FMA is well- suited to assist in a longer -term housing / resiliency strategy as it is an annually - available program, and it incentivizes the participation of those structures that are repetitively damaged or demonstrated to be excessively prone to flooding in the future. Like the HMGP, it is a reimbursement -based grant program, but unlike the HMGP, the cost share can be adjusted to 90% federal for "repetitive loss" properties, and up to 100% for "severe repetitive loss" properties as designated by the NFIP. o The available project types essentially mirror the HMGP, as they pertain to housing and resilient re- development Notable Programmatic Characteristics & Limitations • Insurance — All properties specifically identified for inclusion /Mitigation must be insured under the NFIP at the time of application and must be deed restricted to retain flood insurance for the life of the structure. • FMA is best utilized with an eye toward strategy. Typically, the FMA Program prioritizes applications that contain a certain percentage of repetitive loss and /or severe repetitive loss properties. This program may be best utilized for currently vulnerable, and insured, properties that can afford to wait to mitigate. • Even though the program is offered annually, it can often times take up to a year or more after submission of an annlication before t)rot)erty owners are miven the notice to proceed. Time Frame: 1 — 1.5 years from Project Types Pertaining to Housing: Including, but not limited to: application submission date • Elevation of Residential Structures • Flood- proofing of Non - Residential Structures • Residential Flood- Control Projects Benefiting Multiple NFIP Insured Structures • Demolish and Rebuild of Mitigated Building Envelope [`Mitigation Reconstruction "] • Acquisition and Relocation of Flood -Prone Structures • Acquisition of Flood -Prone Structures for Perpetual Open The Hurricane Loss Mitigation I Funded /Administered B Availabili 4 Program ( "HMLP" ) I FDEM I Annually followinv Appropriation The Hurricane Loss Mitigation Program (HLMP) receives $7 million annually from the Florida Hurricane Catastrophe Trust Fund. Up to $3.4 (max of $150,000.00 per County for 2 applications, one for retrofits one for outreach) million is to be used to improve the wind resistance of residences through loans, subsidies, grants, demonstration projects, direct assistance, and cooperative programs with local and federal governments. The program is developed in coordination with Advisory Council whose members consist of representatives from the Florida Association of Counties, the Florida Department of Insurance, the Federation of Manufactured Home Owners, the Florida Manufactured Housing Association, the Florida Insurance Council, and the Florida Home Builders Association. Housing Application — Through partnering with local housing authorities and non - profit organ izations, the Division has been able to promote wind mitigation and provide hazard mitigation upgrades to residents. Funded activities include retrofits, inspections, and construction or modification of building components designed to increase a structure's abilitc to withstmd hurricane -force winds. The Retrofit Program utilizes the Florida Building Code as its standard for all retrofitting. Notable Programmatic Characteristics & Limitations o Eligible Applicants — Grant funds awarded under the HLMP qualify as state financial assistance under the Florida Single Audit Act. See Section 215.971, Florida Statutes. The Catalog of State Financial Assistance number (CSFA #) for RCMP is 31.066. Because the Legislature provides the Division with RCMP funds through the grants and aid appropriation category, eligible proposers under this RFP include governmental entities, nonprofit organizations, and qualified for - profit organizations; individual homeowners are ineligible to apply. Residential Construction Mitigation Program Components • Florida International University Hurricane Research Program • Mobile Home Tie -Down Program • Low to Moderate Income Retrofit Project This program appears to be severely limited in terms the amounts of funding available per year, possibly even no more than $150,000.00 per county. This type of funding may be better suited as a source of local match to accompany a small wind- retrofit project. Time Frame: Medium to Long Project Types Pertaining to Housing: Including, but not limited to: Term • Various Aspects of Wind- Retrofit for Single Family Homes • Mobile Home Tie -Downs Community Development Block I Funded /Administered B Availability: Both Annuall & 2 I will need to conduct additional research to determine how these components operate. Grants ( "CDBG' Federal Dept of Housing and Following Congressional Urban Development ( "HUD ") / Appropriation as Determined by State of Florida Congress The CDBG program works to ensure decent affordable housing, to provide services to the most vulnerable in our communities, and to create jobs through the expansion and retention of businesses. CDBG is an important tool for helping local governments tackle serious challenges facing their communities. The CDBG program has made a difference in the lives of millions of people and their communities across the Nation. The annual CDBG appropriation is allocated between States and local jurisdictions called "non - entitlement" and "entitlement" communities respectively. HUD also provides flexible grants to help cities, counties, and States recover from Presidentially declared disasters, especially in low- income areas, subject to availability of supplemental appropriations. • Housing Application — Potentially a primary /lead source in helping develop short -term solutions to housing issues, especially for low to moderate - income households. More research will be done to determine the exact method of operation for these types of funds • CDBG & CDBG -DR — There are apparently annual CDBG appropriations, as well as post - disaster specific allocations from Congress, referred to as CDBG -DR. • All Activities must meet a HUD national objective & address a Direct or Indirect Need from the Disaster: o Activities Benefiting Low /Moderate Income Persons o Prevention /Elimination of Slums or Blight o Urgent Needs • Eligible CDBG -DR Activities are Housing Activities, Infrastructure, Economic Revitalization, & Preparedness and Mitigation. CDBG -DR funds may be used as the non - federal match for other state and federal grant programs. • CDBG -DR funds will be appropriated to cover "unmet needs" only. Entities receiving CDBG - DR allocations will have to develop Action plans describing how they would utilize the funding, and ensuring that they have the internal capacity to implement and management the programs. Timeframe: Long -Term Project Types Pertaining to Housing: Including, but not limited to: • New Construction or Rehabilitating Residences (SFR, MFR, Condos, etc.) damaged by the storm • New Construction or Rehabilitating Residence not damaged by the storm, if significant effect on housing stock • Mitigation Activities not Encompassed in Housing Activities Florida Housing Finance Funded /Administered By: Availability: TBD Corporation Programs Florida Housing Finance 11 Corporation & Florida Housing Coalition The goal of the Housing Finance Corporation in the post - catastrophic environment is to take existing infrastructure, identify which rules need to be waived, and funnel funding through existing infrastructure to build residential structures. Through its partnerships with the Florida Housing Coalition, the Florida Housing Finance Corporation can provide the impacted communities with housing resources to help in recovery efforts. The Florida Housing Finance Corporation maintains partnerships with local, state, and Federal agencies, affordable housing developers, nonprofit organizations, and others who share the common goal of producing affordable housing. Through these partnerships, families in need (including special needs populations such as the elderly), farm workers, homeless people, and other low -to- moderate income Floridians are able to obtain housing they can afford. • Housing Application — Disaster Recovery and Workforce Housing: In the wake of recent hurricanes and natural disasters, Florida Housing also administers a number of housing recovery programs, including the Hurricane Housing Recovery Program, the Rental Recovery Loan Program, the Farmworker Housing Recovery Program, and the Special Housing Assistance and Development Program • There appear to be multiple loan programs and direct financial assistance to directly benefit individuals with affordable housing issues. Timeframe: TBD Project Types Pertaining to Housing: Including, but not limited to: • Community Workforce Housing Innovation Program • Elderly Housing Community Loan • The Predevelopment Loan Programs (several included) • Others TBD Home Investments Partnership Program Funded /Administered by: HUD Availability: Annually after Appropriation The HOME Investment Partnerships Program (HOME) provides formula grants to states and localities 7 that communities use - often in partnership with local nonprofit groups - to fund a wide range of activities including building, buying, and /or rehabilitating affordable housing for rent or homeownership or providing direct rental assistance to low- income people. It is the largest Federal block grant to state and local governments designed exclusively to create affordable housing for low- income households. • Housing Application — Appears to be a formulaic approach to helping develop affordable housing through loans and financial incentives. • States are automatically eligible for HOME funds and receive either their formula allocation or $3 million, whichever is greater. • Communities that do not qualify for an individual allocation under the formula can join with one or more neighboring localities in a legally binding consortium whose members' combined allocation would meet the threshold for direct funding. Other localities may participate in HOME by applying for program funds made available by their States. Individuals and businesses /PNPs are not eligible to apply • The grants can be used to repair existing rental property through the rehabilitation of single - family, multi - family, or manufactured home rental units. State and local governments partner with community housing development organizations, other public or nonprofit sub - recipients, for - profit sub - recipients, private lenders, and third party contractors. • Every dollar of HOME funds used (except for administrative costs and CHDO predevelopment loans for projects that do not move forward) with 25 cents from nonfederal sources, which may include donated materials or labor, the value of donated property, proceeds from bond financing, and other resources; it may be reduced if the community is distressed or has suffered a Presidentially - declared disaster • Twenty percent of the HOME - assisted units are occupied by families whose annual incomes do not exceed 50 percent of the median family income for the area; and the balance of HOME - assisted units must be occupied by families whose annual incomes do not exceed 60 percent of the median family income for the area. All HOME loans must comply with 24 CFR, Part 92 and applicable federal requirements, including federal labor standards Timeframe: Medium to Eligible Activities: Long -Term • Home purchase or rehabilitation financing assistance to eligible homeowners and new homebuyers; • Build or rehabilitate housing for rent or ownership; • or for "other reasonable and necessary expenses related to the development of non - luxury housing," o This includes site acquisition or improvement, demolition of dilapidated housing to make way for HOME - assisted development, and payment of relocation expenses. • Eligible entities may use HOME funds to provide tenant -based rental assistance contracts of up to 2 years if such activity is consistent with their Consolidated Plan and justified under local market conditions. o This assistance may be renewed. Up to 10 percent of the PJ's annual allocation may be used for program planning and administration HUD Section 203(k) Home Funded /Administered by: HUD Availability: Annually, on a rolling Rehabilitation Mortgage Loan basis. Program Ej HUD's Section 203(k) Home Rehabilitation Mortgage Loan program enables disaster area homeowners to finance either the purchase (or refinancing) of a house and the cost of its rehabilitation through a single mortgage, or to finance the rehabilitation of their existing home. The requirement for a dwelling to be completed more than one year preceding the date of the application for mortgage insurance under Section 203(k) does not apply to properties in the disaster area. Damaged residences are eligible for Section 203(k) mortgage insurance regardless of the age of the property. The residences need only to have been completed and ready for occupancy for eligibility under Section 203(k). The percentage of financing, however, is determined by the type of mortgage being made. For example, normal loan-to -value ratios apply to Section 203(k) mortgages made in these areas. The mortgage insurance premium is the same for all other Section 203(k) mortgages. • Housing Application — Section 203(k) is a unique financial offering because most mortgage plans provide only permanent financing. That is, the lender will not usually close the loan and release the mortgage unless the condition and value of the property provide adequate loan security. When rehabilitation is involved, this means that a lender typically requires the improvements to be finished before a long -term mortgage is made. When a buyer wants to purchase a house in need of repair or modernization, the buyer usually has to obtain financing first to purchase the dwelling, additional financing to do the rehabilitation construction, and a permanent mortgage when the work is completed to pay off the interim loans with a permanent mortgage. The Section 203(k) program allows the borrower to get just one mortgage loan at a long -term fixed (or adiustable) rate to finance both the acauisition and the rehabilitation of the t)rot)erty. Timeframe: Short to Medium Eligible Activities include: loans that combine the cost to rehabilitate Term and repair into a longer -term loan (need additional research) Small Business Association Funded /Administered by: SBA Availability: Post - Disaster When "SBA" Disaster Loan Program Authorized These loans assist homeowners, renters, non - profits, and businesses of all sizes in the recovery process. In the context of this Annex, owners of rental properties damaged by disasters may qualify for an SBA low - interest disaster business loan to repair or replace the damaged property. The SBA's Office of Disaster Assistance can lend up to $200,000 for primary residences and up to $2 million to business owners for uncompensated disaster losses. SBA offers flexible repayment terms by providing low- interest rates, terms up to 30 years, and first payment deferrals from 5 to 12 months. The loan may be increased by as much as 20 percent of the total loss to protect the property against future disasters of the same type (mitigation). • Housing Application — Applying for an SBA loan is typically a pre- requisite to receiving more than the very basic Individual Assistance from FEMA. • Second Homes — If used as a true "rental" home, owners may apply for an Economic Injury Business Loan to cover the loss of rental income or damage to that structure. Pure "second homes" are not eligible for SBA support Timeframe: Short to Medium Project Types Pertaining to Housing: Low - Interest, Favorable Term Term Loans for repairs and economic loss for verified rental properties E] Florida "PACE" Subscription Funded /Administered by: The Availability: Generally Annually Program Florida PACE Funding Agency The Florida PACE Program is a property -based financing program, created as local government cooperative, where by residents may finance the costs of certain qualifying improvements (typically energy efficiency, but also wind mitigation projects), repaid by non ad- valorem assessments on their annual property tax bill. Interest rates are flexible, and financing is available up to 100% of the total cost of eligible /qualifying improvements. For homeowners to participate, their communities must subscribe to the special purpose unit of government /program. Housing Application — Homeowners could utilize this funding source to mitigate /improve their structures in anticipation of future wind damage. It is unclear whether PACE funding can be used to repair already damaged structures. The program is not without controversy but it is one of the few options that do not require homeowners to pay for the improvements up front. 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Poaabn m�n�murym ,ubn„2o,a Pomm�mn�bm9amnanbn�� 9amnnnnR- mnolo9 ae.o =r id Mamamnm :.� v mmm�y pmpnM mnamanm�p.bi mares, am :an � nw ��n�n,an o9nm, ymwK „mm��n�b�n� amm�m s m b '� Y 9 n� mmm�� my down, bl n mm�mbvmomv E O L CL m O a m E a� m Q 0 c 0 r 0 0 c 0 cs 0 c 0 r ca c CD a� CL U U O m ,° x r Rf E Cl O i CL m O 0 CD r c CD E m 0 ca r r Q Packet Pg. 57 NA Who Is eligible to apply? • States, territories, federally- recognized tribes, and local governments • Certain private nonprofit organizations and institutions Additional Grant Programs FEMA has two additional Hazard Mitigation Assistance (HMA) grant programs which provide funding for similar activities on an annual basis, regardless of disaster activity: • Pre.- Disaster Mitigation • Flood Mitigation Assistance Projects may also be eligible for assistance under these programs. Resources for More Information For more information about HMGP, D 0 visit https://www.fema.gov/hazard- mitigation-grant progra m OR SCAN HERE For specific criteria for each HMA program, visit http://www.fema.gov/hazard-mitigation-assistance To find your State Hazard Mitigation Officer, visit http://www.fema.gov/state-hazard-mitigation-officers To plan, prepare, and mitigate a disaster, visit http: / /www.fema.gov /pl an -pre pa re -m itigate Learn more about flood risks and flood insurance at http://www.floodsmart.gov/floodsmart To register for disaster assistance call 1- 800 - 621 -FEMA (3362) or visit http : / /www.disasterassistance.gov HMA Helpline: 1- 866 -222 -3580 FEMA eGrants Helpdesk: 1- 855 - 228 -3362 Benefit -Cost Analysis Helpline: BCHelpline @fema.dhs.gov For HMA independent study and classroom training courses, visit http: / /training.fema.gov For information about the HMA programs, contact your community officials. Z C.2.c Hazard Mitigation Grant Program (HMGP) What is the purpose of the HMGP? The HMGP assists States, territories, federally - recognized tribes, and local communities by: Significantly reducing or permanently eliminating future risk to lives and property from natural hazards Providing funds to implement projects in accordance with priorities identified in State, tribal, or local hazard mitigation plans Enabling mitigation measures to be implemented during the recovery following a major disaster declaration How is HMGP funding determined following a major disaster? Federal funding under the HMGP is available if requested by the Governor. HMGP funding is allocated using a "sliding scale" formula based on the percentage of funds spent on Public and Individual Assistance for each Presidentially declared disaster. Federal law requires States, territories, federally - recognized tribes and local jurisdictions to have a mitigation plan prior to receipt of HMGP funds. The plan identifies hazards, assesses community needs, and describes a community wide strategy for reducing risks associated with natural disasters. For States / territories /federally- recognized tribes with a FEMA- approved Standard State or Tribal Mitigation Plan, the formula provides for up to 15% of the first $2 billion of estimated aggregate amounts of disaster assistance, up to 10% for amounts between $2 billion and $10 billion, and 7.5% for amounts between $10 billion and $35.333 billion. For States /territories with a FEMA- approved Enhanced Mitigation Plan, up to 20% of the total of Public and Individual Assistance funds authorized for the disaster (up to $35.333 billion of such assistance) are available. What types of projects can be funded? The HMGP can be used to fund projects to protect either public or private property, as long as the project fits within State / territorial /federally -recognized tribal, and local government mitigation strategies to address areas of risk and complies with HMGP guidelines. Eligible Activities Mitigation Projects Property Acquisition and Structure Demolition Property Acquisition and Structure Relocation Structure Elevation Mitigation Reconstruction Dry Floodproofing of Historic Residential Structures Dry Floodproofing of Non- Residential Structures Generators Localized Flood Risk Reduction Projects Non - Localized Flood Risk Reduction Projects Structural Retrofitting of Existing Buildings Non - Structural Retrofitting of Existing Buildings and Facilities Safe Room Construction Wind Retrofit for One- and Two - Family Residences Infrastructure Retrofit Soil Stabilization Wildfire Mitigation Post Disaster Code Enforcement Advance Assistance 5 Percent Initiative Projects* Miscellaneous /Other* * H azard Mitigation Planning Planning Related Activities Management Costs * FEMAalldws increasing the 5% Initiative amount up to 10% for a Presidential major disaster declaration under HMGP. The additional 5% Initiative funding can be. used for activities that promote disaster - resistant codes for all hazards. As a condition of the award, either a disaster - resistant building code must be adopted or an improved Building Code Effectiveness Grading Schedule is required. ** Miscellaneous /Other indicates that any proposed action will be evaluated on its own merit against program requirements. Eligible projects will be approved provided funding is available. How much will FEMA pay for a project under the HMGP? Typically projects are funded by a combination of Fed( M and non- Federal funds. HMGP funds may be used to p i up to 75% of the eligible costs. The non Federal match d does not need to be cash; in kind services or materials m may be used. M Q O What are the roles of local communities, c federally- recognized tribes, territories, Stab and FEMA? 0 During the recovery phase of a disaster, local jurisdictions select projects that could reduce propert) w damage from future disasters, and submit applications 23 the State, territory, or federally- recognized tribe. Ceru w nonprofit organizations may also apply. c The States, territories, and federally- recognized tribes 0 administer the HMGP by establishing their mitigation priorities, facilitating the development of applications and submitting applications to FEMA based on fundin >u criteria and available funding. They also manage the d projects, monitor progress, and evaluate the effectiver 00 of projects implemented. LO u'r FEMA conducts a final eligibility review to ensure c compliance with Federal regulations. HMGP projects must comply with Federal environmental laws and .` regulations, be cost effective, and be technically feasil 2 What are the roles of property and busines! < owners? _ I Individuals, property and business owners may not of directly to the State, territory, or FEMA, but eligible lc LL LU governments or private nonprofit organizations may apply on their behalf. y E FEMA encourages property and business owners interested in implementing mitigation activities to cont B their local community planning, emergency managem Q or hazard mitigation office for more information. Packet Pg. 59 FY 2017 Pre - Disaster Mitigation (PDM) Grant Program As appropriated by the Consolidated Appropriations Act, 2017 (Public Law 115 -31); the Fiscal Year (FY) 2017 Pre - Disaster Mitigation (PDM) Grant Program provides resources to assist states, tribal governments, territories and local communities in their efforts to implement a sustained pre- disaster natural hazard mitigation program, as authorized by the Robert T. Stafford Disaster Relief and Emergency Assistance Act, Public Law 93 -288, as amended (42 U.S.C. 5133). The 2015 Hazard Mitigation Assistance (HMA) Unified Guidance applies to the FY 2017 PDM Grant Program application cycle. Applicants are encouraged to review the Notice of Funding Opportunity announcement and the HMA Guidance for detailed information regarding eligibility and to contact their FEMA Regional Office for additional information. Funding The total amount of funds that will be distributed under the FY 2017 PDM Grant Program will be $90,000,000. c • All 50 States, the District of Columbia, American Samoa, Guam, Northern Mariana Islands, Puerto Rico and .2 the U.S. Virgin Islands are eligible to receive an allocation of 1% of the appropriation, or $575,000, in accordance with Section 203(f)(1) of the Stafford Act. • Ten percent of the appropriated PDM funding, or $10 million, will be set aside for Federally- recognized a Native American Tribal applicants to receive an allocation of $575,000 per tribe. • The balance of PDM Grant Program funds will be distributed on a competitive basis to all eligible applicants. • No applicant may receive more than 15 percent, or $15 million, of the appropriated PDM funding per U_ Section 203(f)(2) of the Stafford Act. o a Eligibility 0 N All 50 States, the District of Columbia, Federally- recognized Native American Tribal governments, American r Samoa, Guam, Northern Mariana Islands, Puerto Rico and the U.S. Virgin Islands are eligible to apply for the FY 2017 PDM Grant Program as Applicants. Local governments including cities, townships, counties, special E district governments, and Native American tribal organizations are considered Sub - applicants and must apply to r their state /territory. Q Either the state Emergency Management Agency (EMA) or the office that has primary emergency management responsibility is eligible to apply directly to FEMA for PDM Grant Program funds as an Applicant; however, only one PDM grant application will be accepted from each state, tribe or territory. Packet Pg. 60 C.2.d Applicants and Subapplicants must have a FEMA approved mitigation plan as of the application deadline in order to apply for mitigation projects in accordance with Title 44 CFR Part 201. Funding Guidelines The maximum federal share for PDM sub - applications is as follows: • $4 million for mitigation projects • $400,000 for new mitigation plans • $300,000 for state /territory and multi jurisdictional local /tribal plan updates • $150,000 for single jurisdiction local /tribal mitigation plan updates • 10 percent of the plan and project cost estimate for information dissemination activities including public awareness and education (brochures, workshops, videos, etc.) related to a proposed planning or project activity in accordance with the Stafford Act • 5 percent of plan and project cost estimate for subapplicant management costs for local government EMA to manage the proposed activity • 10 percent of grant application budget for applicant management costs for state /territory /tribal EMA to manage the plan and projects activities Federal funding is available for up to 75 percent of the eligible activity costs. Small, impoverished communities may be eligible for up to a 90 percent Federal cost share in accordance with the Stafford Act. The remaining eligible activity costs must be derived from non - Federal sources. The period of performance for the PDM Grant Program begins with the opening of the application period and ends no later than 36 months from the date that FEMA announces the status of the FY 2017 sub- applications. Key FY 2017 PDM Grant Program Changes FEMA revised the application limits from FY 2016: • There is no limit to the number of planning and project sub - applications that can be submitted towards the state /territorial allocation or the Tribal set aside for a maximum of $575,000 Federal share per Applicant; • There is no limit to the number of competitive planning sub - applications that can be submitted per Applicant; • A maximum of 9 competitive project sub - applications can be submitted per Applicant; • Any state /tribal EMA willing to serve as the Applicant for a multi -state or multi -tribal project may submit one additional competitive project for a maximum of 10 competitive project sub - applications. m r U_ 0 a r 0 N U_ c m E �a r r Packet Pg. 61 C.2.d FEMA revised the competitive priorities for funding: multi- state /tribal mitigation activities; competitive mitigation planning sub - applications from applicants with less than $400,000 Hazard Mitigation Grant Program (HMGP) planning funds available and competitive project sub - applications from applications with less than $4 million HMGP project funding available before competitive sub - applications from Applicants with at least those amounts of HMGP planning and project funds available. FEMA added an emphasis on public - private partnerships as well as the Applicant's ranking of its competitive sub - applications in the selection of competitive for funding. Application Submission and Review Process Applications and sub - applications for the PDM Grant Program must be submitted via the Mitigation eGrants system on the FEMA Grants Portal: https:Hportal.fema.gov If a Sub - applicant does not use the eGrants system, then the Applicant must enter the paper sub - application(s) into the eGrants system on the Sub - applicant's behalf. Applicants must rank all of the subapplications included in their PDM grant application in the eGrants system, including their Management Costs subapplication for their proposed applicant management costs. To be eligible for the State /Territory allocation or Tribal set aside, the Applicant's highest ranked planning and /or project subgrant application must not exceed $575,000 Federal share. If an Applicant's highest ranked planning or project sub - application exceeds $575,000 Federal share, then the Applicant will not receive the allocation, and FEMA will consider all of the Applicant's sub - applications on a competitive basis only. In addition, if an Applicant submits competitive project sub - applications in excess of the maximum allowed, FEMA will only review the competitive projects up to the maximum allowed in order of the Applicant's ranking. PDM Grant Program applications will undergo a complete eligibility review within their respective FEMA Region. FEMA will review planning and project sub- applications plus one management sub - application submitted by each applicant through the Mitigation eGrants system to ensure compliance with the HMA Guidance, including eligibility of the applicant and sub - applicant; eligibility of proposed activities and costs; completeness of the sub - application; cost effectiveness and engineering feasibility of projects; and eligibility and availability of non - Federal cost share. Evaluation Criteria FEMA will select eligible planning and project sub - applications in order of the agency's priorities for the FY 2017 PDM Grant Program: 1. State /Territory Allocation for mitigation planning and project sub - applications up to $575,000 Federal share per states /territori es/Di strict of Columbia 2. Tribal set aside of $10 million for mitigation planning and project sub - applications up to $575,000 Federal share per Federally- recognized Tribal applicant 3. Competitive mitigation activities: a. Multi- State /Tribal mitigation initiatives b. Mitigation planning sub - applications from Applicants that have less than $400,000 HMGP planning funds available m m U_ 0 a 0 N U_ r c m E �a r r 3 Packet Pg. 62 C.2.d c. Projects from Applicants that have less than $4 million HMGP project funds available in the following order: i. Non -flood hazard (e.g., seismic, wildfire, landslide, wind and drought) mitigation projects ii. Flood mitigation activities except acquisition, elevation, or mitigation reconstruction (e.g., stormwater management and flood control measures) iii. Acquisition, elevation and mitigation reconstruction projects iv. Generators for critical facilities d. Planning activities from Applicants that have $400,000 or more HMGP planning funds available e. Projects from Applicants that have $4 million or more HMGP project funds available in the following order: i. Non -flood hazard mitigation projects ii. Flood mitigation activities except acquisition, elevation, or mitigation reconstruction iii. Acquisition, elevation and mitigation reconstruction projects iv. Generators for critical facilities FEMA will further prioritize planning and project sub - applications within priorities 2 and 3 above as needed in order as follows: 1. Small, impoverished community status; 2. Indication of public - private partnership (i.e., whether private sector funding is included in the required non- federal cost share); 3. FEMA - validated BCEGS rating from a grade of 1 (exemplary commitment to building code enforcement) to 10; 4. FEMA - validated Benefit Cost Ratio for projects; and S. Applicant's ranking of competitive sub - applications. FEMA will continue to ensure the majority of PDM funding is utilized for mitigation projects per the 2017 appropriations language. For Additional Information Please see the Notice of Funding Opportunity announcement posted on Grants.gov and the HMA Guidance available on the FEMA Internet: https: / /www.fema.gov /hazard - mitigation- assistance for more detailed information regarding eligibility. TEMA's mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recoverfrom, and mitigate all hazards." 4 Packet Pg. 63 FY 2017 Flood Mitigation Assistance (FMA) Grant Program As appropriated by the Consolidated Appropriations Act, 2017 (Public Law 114 -113); the Fiscal Year (FY) 2017 Flood Mitigation Assistance (FMA) Grant Program provides resources to assist states, tribal governments, territories and local communities in their efforts to reduce or eliminate the risk of repetitive flood damage to buildings and structures insurable under the National Flood Insurance Program (NFIP) as authorized by the National Flood Insurance Act of 1968, as amended. The FMA Grant Program was created as part of the National Flood Insurance Reform Act (NFIRA) of 1994 with the goal of reducing or eliminating claims under the NFIP. Consistent with Biggert- Waters Flood Insurance Reform Act of 2012 (Public Law 112 -141), the FMA Grant Program is focused on mitigating repetitive loss (RL) properties and severe repetitive loss (SRL) properties. The FYI FMA application cycle will be implemented as it has been in recent application cycles, but will prioritize $70 million of the $160 million available under FMA for community flood mitigation projects as priority 1. Due to the demand for funding by communities with high numbers of SRL and RL properties, projects addressing flooding on a community level have not been selected for funding. FEMA's grant recipients and subrecipients have repeatedly asked for community level flood mitigation funding. • Advance Assistance - Funding will be provided to develop mitigation strategies and obtain data to prioritize, select, and develop viable community flood mitigation projects. This design work will facilitate viable projects for future grant applications. • Community Flood Mitigation Projects -The remaining set aside will fund projects for proven techniques that integrate cost effective natural floodplain restoration solutions and improvements to NFIP- insured properties that benefits communities with high participation and favorable standing in the NFIP. The Hazard Mitigation Assistance (HMA) Guidance applies to the FY 2017 FMA application cycle and applicants are encouraged to review the Notice of Funding Opportunity announcement and the HMA Guidance for detailed information regarding eligibility and to contact their FEMA Regional Office for additional information. Funding In FY 2017, the total amount of funds distributed under the FY 2017 FMA will be $160,000,000. Of this, a total $70,000,000 has been prioritized for community flood mitigation proposals leaving an estimated $90,000,000 available for available for FMA if all funding is used. FEMA will select remaining eligible applications once all above priorities are met based on benefits to the NFIP. W W U) r �a U_ U_ r 0 N U_ r c W E �a a Packet Pg. 64 Eligibility All 50 States, the District of Columbia, Federally- recognized Native American Tribal governments, American Samoa, Guam, Northern Mariana Islands, Puerto Rico and the U.S. Virgin Islands are eligible to apply for the FY 2017 FMA Grant Program. Local governments are considered sub - applicants and must apply to their applicant state /territory. Either the state Emergency Management Agency (EMA) or the office that has primary floodplain management responsibility is eligible to apply directly to FEMA for FMA Grant Program funds as an applicant; however, only one application will be accepted from each state, tribe or territory. Applicants and Subapplicants must have a FEMA approved mitigation plan as of the application deadline in order to apply for mitigation projects in accordance with Title 44 CFR Part 201. Funding Guidelines In FY 2017, the total amount of funds distributed under the FYI FMA Grant Program will be $160,000,000 which includes both the traditional FMA Grant Program. The maximum federal share for FMA planning sub - applications is as follows: • $100,000 for community flood mitigation advance assistance • $10,000,000 for community flood mitigation projects • $50,000 for Technical Assistance for states /territories who were awarded FMA Grant Program funds totaling at least $1,000,000 in FY16. • $100,000 per Applicant for mitigation planning with a maximum of $50,000 for state plans and $25,000 for local plans. A maximum of 10 percent of grant funds awarded can be used by the recipient for management costs, and a maximum of 5 percent of grant funds awarded can be used by the subrecipient for management costs, per HMA Guidance. r U) m U_ U_ r 0 N c m E �a a Packet Pg. 65 Federal funding is available for up to 75 percent of the eligible activity costs. FEMA may contribute up to 100 percent Federal cost share for SRL properties defined below as: a) Is covered under a contract for flood insurance made available under the NFIP; and b) Has incurred flood related damage i. For which four or more separate claims payments (includes building and contents) have been made under flood insurance coverage with the amount of each such claim exceeding $5,000, and with the cumulative amount of such claims payments exceeding $20,000, or ii. For which at least two separate claims payments (includes only building) have been made under such coverage, with the cumulative amount of such claims exceeding the market value of the insured structure. FEMA may contribute up to 90 percent Federal cost share for RL properties. An RL property is a structure covered by a contract for flood insurance made available under the NFIP that: a. Has incurred flood - related damage on two occasions, in which the cost of the repair, on the average, equaled or exceeded 25 percent of the market value of the structure at the time of each such flood event; and a) At the time of the second incidence of flood - related damage, the contract for flood insurance contains increased cost of compliance coverage. The period of performance for the FMA Grant Program begins with the opening of the application period and ends no later than 36 months from the date that FEMA announces selected sub - applications. Evaluation Criteria FEMA will select eligible project sub - applications on a competitive basis in order of the agency's priorities for FY 2017 FMA Grant Program. Community Flood Mitigation Activities — up to $70,000,000 available a. Advance Assistance —Applicants are eligible to receive up to $100,000 federal share to develop mitigation strategies and obtain data to prioritize, select, and develop viable community flood mitigation proj ects. b. Community Flood Mitigation Projects — FEMA will select the highest ranked eligible community flood mitigation subapplication from each Applicant up to $10,000,000 federal share based on final priority scoring criteria (see table below) and that benefit communities with high participation and favorable standing in the NFIP. Eligible project activities include: • Infrastructure protective measures • Floodwater storage and diversion • Utility protective measures • Stormwater management • Wetland restoration /creation • Aquifer storage and recovery • Localized flood control to protect critical facility • Floodplain and stream restoration • Water and sanitary sewer system protective measures m m U) r �a U_ U_ 0 N U_ c a� �a r a 3 Packet Pg. 66 FEMA will select proposal types based on the below weighted priorities. 'I Priority Description Total Points lPnvate Partnership Cost Share Cost share taken on by private organizations /businesses emphasizing 150 community participation, collaboration, and investment. Points will be assigned based on percentage of private cost share invested. Building Code Effectiveness Grading Assesses effectiveness of enforcement and adequacy of building codes with 100 Schedule (BCEGS) rating emphasis on mitigation. Classes weighted based on national class grouping ratings. Highest weight will be assigned to class 1 and descending through lower classes. Community Rating System (CRS) The Community Rating System (CRS) recognizes and encourages community 100 Participation floodplain management activities that exceed the minimum NFIP standards. Depending upon the level of participation, flood insurance premium rates for policyholders can be reduced up to 45 %. Highest weight will be assigned to class 1 and descending through lower classes. Cooperating Technical Partners Program Qualified partnership program where communities commit to collaborate in 100 (CTP) Participation maintaining up -to -date flood hazard maps and other flood hazard information. Points are provided to CTP participating communities. International Building Codes (IBC) IBC adoption epitomizes community commitment to responsible building 50 Adopted regulations. Points are provided to IBC participating communities. Total Points Available 500* * In the event of a tie between two or more community flood mitigation applications: - FEMA will use the highest Benefit Cost Ratio (BCR) as a tiebreaker for projects; and. - FFMA will use the total number of active policies in the local jurisdiction as a tie breaker for Advance Assistance. After meeting the $70,000,000 available for community flood mitigation or when all eligible community flood mitigation project subapplications have been selected, FEMA will select eligible subapplications for the remaining funds in the following order: 2. Technical Assistance. FEMA will select eligible technical assistance subapplications up to $50,000 Federal share for Applicants who received FMA awards totaling at least $1,000,000 Federal share in FY 2016. Flood Mitigation Planning. FEMA will select eligible planning subapplications up to $100,000 Federal share per Applicant with a maximum of $50,000 Federal share for State mitigation plan updates and $25,000 Federal share for local mitigation plans. FEMA may reduce the Federal share of any planning subapplication that exceeds the regulatory maximums. 4. Competitive funding for property flood mitigation projects. FEMA will select eligible flood mitigation project subapplications on a competitive basis as follows: a. Projects that will mitigate flood damage to at least 50 percent of structures included in the subapplication that meet definition 42 U.S.C. 4104c(h)(3)(B)(ii) of a Severe Repetitive Loss (SRL) property: At least two separate NFIP claim payments have been made with the cumulative amount of such claims exceeding the market value of the insured structure. 4 r m m U) r �a U_ Q U_ r 0 N U_ c m E Ca a Packet Pg. 67 b. Projects that will mitigate flood damage to at least 50 percent of structures included in the subapplication that meet the definition of a Repetitive Loss (RL) property: Have incurred flood - related damage on two occasions, in which the cost of the repair, on the average, equaled or exceeded 25% of the market value of the structure at the time of each such flood event c. Projects that will mitigate flood damage to at least 50 percent of structures included in the subapplication that meet definition 42 U.S.C. 4104c(h)(3)(B)(i) of a SRL property: four or more separate NFIP claims payments have been made with the amount of each claim exceeding $5,000, and with the cumulative amount of claims payments exceeding $20,000 For project subapplications in priority categories 4a through 4c above, FEMA will prioritize projects as follows: The highest percentage of structures included in the subapplication that meet the definition from 100 to 50 percent; ii. The largest number of structures included in the subapplication that meet the definition; and iii. FEMA - validated Benefit -Cost Ratio (BCR). 5. The balance of FMA Grant Program funding will be distributed on a competitive basis to all eligible applicants for flood hazard mitigation projects. For Additional Information Please see the Notice of Funding Opportunity announcement posted on Grants.gov and the HMA Guidance available on the FEMA Internet: https: / /www.fema.gov /hazard - mitigation- assistance for more detailed information regarding eligibility. TEMA's mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recoverfrom, and mitigate all hazards." 5 Packet Pg. 68 C.2.f 4- O r c O N m N r O LC> O > d C O r cC r C N N d i CL r O I LL. LL E m i Cl O i CL c O r m a� r 0 J d C cC V i 7 2 r C d E t V c4 r r Q Packet Pg. 69 C.2.f Agenda • Introduction to mitigation happening in Florida • Existing financial resources • Grant writing • Anything else? as Make sure to see what they want to hear. It could be added in future trainings. Packet Pg. 70 F. C.2.f 4- O r c O N m N r O LC> O > d C O r cC r C N N d i CL r O I LL. LL E m i Cl O i CL c O r m a� r 0 J d C cC V i 7 2 r C d E t V c4 r r Q Packet Pg. 71 C.2.f Who is in the room? o What resources are here now? o Who is missing? Who has a residential mitigation program? Who is planning a residential mitigation program? Who has identified residential mitigation within their Local Mitigation Strategy? - Research participants local mitigation strategies before the trainings. Do you know who your DEM contact is? - 3 sections /3 planners — identify for the region. Packet Pg. 72 C.2.f Never doubt that a small group of thoughtful, committed citizens can change the world. Indeed, it's the only thing that ever has." Margaret Mead Less recovery time - get people in homes, get economic /business recovery underway faster Less recovery expense Less community poverty as a result of disaster impact Demographics — Low income homeowners are generally the service population. For low- income homeowners, their home is their largest asset. Get them back in their home, get services restored faster. There is community benefit to stronger housing stock. Peak of hurricane season Aug - Oct. (1 st quartile: 8/31; 2nd quartile: 9/18; 3rd quartile: 10/12) Packet Pg. 73 C.2.f Florida Statistics 8110 most expensive hurricanes in US history have impacted Florida Hurricanes are increasing in frequency and strength Average damage costs: • $241sq ft pre 1996 construction • $14 /sq ft post 1996 construction r L6 k J Discussions about the benefits of mitigation and preparing for hurricanes began in 1960, but has recently peaked due to 2004/2005 hurricane seasons. Documented frequency and strengthening of storms * Florida Catastrophic Storm Risk Management Center - Florida Hurricanes & Damage Costs White Paper - Spring 2009 - possible causes include natural ebb /flow of hurricane patterns, global warming, building boom in hurricane prone areas, coastal growth. 1987 Hurricane Floyd made last minute turn away from FL. 1992 Hurricane Andrew narrowly missed downtown Miami. 2004 Hurricane Charley made turn east to impact south of Tampa Bay just hours before landfall. Avg damage costs - 2010 building codes address stronger wind - mitigation measures including hurricane straps /roof -to -wall tie downs when re- roofing a home. 96% of residential claims with Hurricane Charley included roof damage. Best determination of potential damage is the pressure of hurricane. Packet Pg. 74 C.2.f Florida Statistics • Hurricane Andrew ( >$22 billion : >$52 billion) • Hurricane Charley ( >$10 billion : >$16.3 billion) Hurricane Wilma ( >$10 billion : >$20.6 billion) • New wind zones r L7 As First number noted is insured losses. Second number noted is recorded losses - not accounting for business loss and macro economic factors. Photo from previous slide is continuous - this shows Hurricane Andrew Packet Pg. 75 C.2.f 130 1 129 15 State of Florida 15 139 1 w 149 159 o.. Ise 17 Who is in the new wind - zone ?? Cat 3 is 111 -133. The Florida Wind -Borne Debris Region Map is based on historical data and utilizes the American Society of Civil Engineers Standard ASCE 7 -98 (Minimum Design Loads for Buildings and Other Structures) that uses a different wind speed measurement system called "3- second peak gust ". The equivalent "3- second - peak - gust" wind speed is about 20 mph higher than the "fastest- mile" wind speed. NEED NEW WINDBORNE DEBRIS REGION MAP 0 c 0 r m 0 c 0 N 7 V C O R C d rn d a Packet Pg. 76 C.2.f Case Study: Rebuild NW Florida • Hurricane Ivan ( >$5 billion >$15.5 billion) • Established Rebuild NW Florida • Initial focus: low - income homeowners • Data resource LN 1 A "In the aftermath of a natural disaster, property owners and local officials often make decisions to rebuild homes, businesses, and public facilities in the same style, place, and design as the originals. These early decisions can foreclose many opportunities to reshape the patterns of development in a community so as to make it better and safer by reducing vulnerability to future disasters." Jim Schwab, American Planning Association Rebuild NW Florida is a recognized and replicable program that is included in FEMA's listing of programs. Current replication in Collier County, South Carolina and other Gulf States. Replication is on varying levels and customized to the community served. Now that FEMA is noting the program, you could see it replicated in more communities, based on the risks and resources unique to each community. Extensive data is a necessity — Rebuild NW partnered with county planning and the University to establish a database of existing single - family homes, including year built, home value, historical status and physical address. Homeowners begin registration and are immediately identified in the system. Packet Pg. 77 C.2.f If not in the system, the physical location does not qualify. Packet Pg. 78 C.2.f Case Study: Potential Impact L7 • Approx 6% of single family residential homes mitigated • Majority are low - income homeowners • $4 : $1? As decision makers we are not naturally inclined to expend resources now to achieve benefits that are likely to be realized over a long period of time and of uncertain size. The State of Florida does conduct assessments of post- disaster impact on mitigated facilities, areas and homes. They also assess what damage would have cost without the mitigation. Packet Pg. 79 C.2.f Open discussion with any communities wishing to share their mitigation program. Stress that mitigation, especially on a large scale is not an immediate process. Rebuild NW, active since 2005 has only completed 6% of the housing stock. Also stress that it can take multiple years to obtain funding for a project. Packet Pg. 80 Hurdles to Mitigation Community education & awareness Planning High costs Matching funds Lack of data • I - _. . , If you don't have a program, why not? If you do have a program, what is the biggest barrier? I Packet Pg. 81 1 C.2.f Overcoming Hurdles: Community Education & Awareness IBHS: Certification Standards RCMP, Outreach Local Mitigation . Strategy �' }+ x� PACE Program \ Let's look at strategies in Florida. - RCMP -just funded outreach programs to homeowners through Florida's Foundation & - Local mitigation strategies should include residential mitigation priorities - Insurance Institute for Business and Home Safety releasing certification program including three stages of mitigation. First program certifying activities that do not protect the entire envelope of the home. (Bronze, Silver & Gold standards - to be reviewed later). - PACE program - allows for bonds /loans for homeowners, paid back through ad valorem taxes, allowing for county oversight of local residential mitigation activities. Hurdles have included priority lien status and economic downfall. Packet Pg. 82 C.2.f 4 for Existing Homes A program of the Insurance Institute for Business & Home Safw% Can skip if people know of program. Also stress that while IBHS recognizes and certifies partial mitigation, CBA— cost benefit analysis— may not support partial mitigation of a home. IBHS is a good tool for community awareness and education. Packet Pg. 83 C.2.f "Where building safety research leads to real - world solutions." www.DisasterSafety.org Email: fortified @ibhs.org How do we go about accomplishing the huge, complex tasks we have set for ourselves? 1. Meticulous building science: field research, closed claims studies, and laboratory research (at the IBHS Research Center and elsewhere). 2. We are interested in all points in the building chain: design, construction, maintenance, remodeling, rebuilding post - loss... (keys are WHERE you build, HOW you build, and HOW WELL you maintain a property) 3 ..In the public policy arena, our goal is to recruit and activate powerful allies. We do this by arming regulators /legislators with facts. We work in the areas of compulsory codes and standards (participate in meetings; submit science -based proposals), and we are always trying to demonstrate the significant public & private sector value of effective loss mitigation; we also try to align our goals with other public imperatives (saving disaster response and recovery dollars, preserving jobs and tax bases in communities, environmental sustainability). 4. We also develop voluntary standards and engineering guidance for safer, stronger buildings. Our standards and guidance are objective. product neutral, science - based, designed to enable action (by consumers and industry), and take a holistic approach. They also are functional, affordable, and workable. Packet Pg. 84 t; T - 1r . I Insurance Institute for Business & ■ Horne Safety "Where building safety research leads to real - world solutions." www.DisasterSafety.org Email: fortified @ibhs.org How do we go about accomplishing the huge, complex tasks we have set for ourselves? 1. Meticulous building science: field research, closed claims studies, and laboratory research (at the IBHS Research Center and elsewhere). 2. We are interested in all points in the building chain: design, construction, maintenance, remodeling, rebuilding post - loss... (keys are WHERE you build, HOW you build, and HOW WELL you maintain a property) 3 ..In the public policy arena, our goal is to recruit and activate powerful allies. We do this by arming regulators /legislators with facts. We work in the areas of compulsory codes and standards (participate in meetings; submit science -based proposals), and we are always trying to demonstrate the significant public & private sector value of effective loss mitigation; we also try to align our goals with other public imperatives (saving disaster response and recovery dollars, preserving jobs and tax bases in communities, environmental sustainability). 4. We also develop voluntary standards and engineering guidance for safer, stronger buildings. Our standards and guidance are objective. product neutral, science - based, designed to enable action (by consumers and industry), and take a holistic approach. They also are functional, affordable, and workable. Packet Pg. 84 C.2.f NOT TO BE CONFUSED WITH COST BENEFIT ANALYSIS — CBA They compare homes built to code vs. homes built above code and in accordance with IBHS Gold Fortified Standards. Florida is moving to increase building codes to comply with higher wind mitigation standards, but at this time, recommended mitigation activities are above building code standards. In this photo the cost of upgrades for new construction: $3000 IBHS Research supports a repair /cost ratio 5:1 on wind mitigation. Packet Pg. 85 C.2.f When we opened the Research Center last fall, we conducted a series of spectacular demonstrations for our members, our allies and the media. Because we plan to test real world structures, we started off by using an actual house in central Illinois as the basis for our first test specimens. In this case, we were evaluating the difference in performance between conventional Midwestern construction and our FORTIFIED for Safer Living code -plus standard as it would apply in the Midwest. The FORTIFIED house had a few features to help tie the structure together as a system, including rink shank nails instead of staples and smooth nails, straps tying the roof to the walls, 2nd floor walls to 1 st floor walls, and walls to the foundation, 5/8" OSB roof sheathing, higher wind speed rated roof cover and siding, and doors that opened outward instead of inward. Total cost of the modifications is about $3,000. In one of these tests, which you see here in the top to photos, the non - Fortified house failed catastrophically as the front wall blew in and the winds lifted the house up off it's foundation. This occurred with wind speeds in the mid -90s (mph). Packet Pg. 86 C.2.f In another test, shown in the bottom photos, the roof lifted off in one big piece, and then the front wall, which was by then rather concave, and the back wall both really began to pulse /vibrate (pounding force of gusty winds, rather than gradual, smooth increase, as you would see in the real world). Afew minutes after the roof came off, the entire house blew apart. In both it was scary how quickly the total destruction took. These tests lasted a total of several minutes. Imagine if we had pounding rain as well as punishing wind (which we will in a few months); imagine trees and other types of debris impacting these structures. Also, this was a relatively "easy" test — just wind. ... and the winds were at a speed that is not uncommon in many parts of this country. Even at much lower speeds (40 mph or 60 mph, we saw significant roof cover and siding, soffit and flashing damage. The still shots are pretty compelling, and I have video from the tests as well, if you would like to see them later. Packet Pg. 87 C.2.f Consumers, designers, builders, policymakers, and lenders all have a stake in stronger, more resilient communities. • Protection of family and personal property • Reduced exposure /better reputation • Community resilience /tax base preservation • Reduce risk of default INI Doi However, the real value of our information and work comes once it is shared and accepted as valid by target audiences. To that end, we must convince architects, public policymakers, builders, contractors, home owners, business owners, building product and system manufacturers, mortgage lenders, and other stakeholders in residential and commercial property that IBHS advice — insurance industry advice — is worthy of their attention and a solid foundation on which to base financial decisions. They have to learn to value substance over style — or at least value quality construction as much as style. How will we convince all of these groups to act in ways that reduce or prevent property losses from hurricanes, tornadoes, wildfires, hailstorms, and other natural disasters? Packet Pg. 88 C.2.f I BIAS Voluntary, Superior Construction Standards so ft % 0 0 FORTIFIED FORTIFIED FORTIFIED A program of the Insurance A program of the Insurance A program of the Insurance Institute for Business & Home Safety Institute for Business & Home Safety Institute for Business &Home Safety In addition to getting our information out through consumer - facing publications, the media, our members, and allies, we also want to give those design and construction professionals who want to go above and beyond building codes guidance on best practices in different geographic areas. That is why we created our code -plus construction programs, known collectively as "FORTIFIED." They take a holistic approach to a structure, and are hazard - specific. The three FORTIFIED programs cover new residential construction (FF for Safer Living), best practices for retrofitting residential property (FF for Existing Homes) and new light commercial construction (FF for Safer Business). Over the past couple of years, we have emphasized the retrofit program, because of the downturn in the housing market — and that has turned out to be a great decision. The residential programs are meeting with increasing enthusiasm, particularly in hurricane -prone areas. Several states now have voluntary or mandatory insurance credits associated with FORTIFIED homes. Also, FEMA has adopted the FORTIFIED for Existing Homes engineering guidance as its own new wind retrofit guidance related to FEMA pre- and post- Packet Pg. 89 C.2.f disaster mitigation grants. Uniformly enforced! I should also note that FEMA has adopted the FORTIFIED for Existing Homes engineering guidance as its own new wind retrofit guidance related to FEMA pre- and post- disaster mitigation grants. Packet Pg. 90 C.2.f Duplex damage estimates Unsealed roof deck side = $16,935 Sealed roof deck side = $5,408 Il 1 (I should note that the white stuff you see all over in this photo is insulation, not snow... ) Following the test, IBHS brought in an experienced property insurance claims adjuster to estimate the amount of damage each side of the duplex suffered. He assessed damage to the front three rooms on both sides of the duplex, including the kitchen, dining room, and family room. During a hurricane or high wind event, winds generally come from a relatively small range of directions after roof cover blows off, so damage confined to one area of a house would be typical of most people's experience. The difference between estimated repair costs on the two sides of the duplex was substantial. The loss estimate for the side without a sealed roof deck is more than three times the loss estimate for the side with the sealed roof deck. Of particular note: the furniture in the side without a sealed roof deck required replacement, while furnishings in the side with the sealed roof deck only required cleaning. Packet Pg. 91 C.2.f What is the difference between FORTIFIED and other hazard mitigation efforts? FORTIFIED takes a holistic, systems based approach to improving the durability of the home by addressing the systems that fail at the lowest intensity level of each natural hazard first, and then offers a series of incremental steps, each building on the one before it, that provide increasing levels of resistance to higher intensity events. The low intensity events are the most common and pose the most frequent threat to homeowners, their property, and their finances. While other efforts tend to focus on individual components, that approach is risky. One consequence of picking and choosing individual retrofit actions without a systematic approach to reducing risk is that homeowners may invest a lot of money. and still have their family displaced after a weak or moderate event. I should also note that FEMA has adopted the FORTIFIED for Existing Homes engineering guidance as its own new wind retrofit guidance related to FEMA pre- and post- disaster mitigation grants. Packet Pg. 92 C.2.f -,._MM FORTIFIED for Safer Living® Horn '- ' Post - Hurricane I Bolivar Peninsula, Tex The houses on the left are some of our 13 FORTIFIED homes as they looked on the Bolivar Peninsula prior to the arrival of Hurricane Ike in September2008. The photo in the lower right corner shows how well those same houses survived Hurricane Ike's eye wall — which slammed into them along with a nearly 20 ft. storm surge. Our FORITIFED homes were the only structures left standing on the Bolivar Peninsula for miles around, precisely because they were specifically designed and built to withstand extreme wind and water damage. Packet Pg. 93 C.2.f 0 FORTIRED TM A program of the Insurance Institute for Business & Home Safety Hazard Specific Up -to -model codes Incremental Blend of Prescriptive & Performance Approaches Holistic vs. A -La -Carte Packet Pg. 94 C.2.f 4- O r c O N m N r O LC> O > d C O r cC r C N N d i CL r O I LL. LL E m i Cl O i CL c O r m a� r 0 J d C cC V i 7 2 r C d E t V c4 r r Q Packet Pg. 95 C.2.f Property Assessed Clean Energy (PACE) Local financing to help homeowners Public awareness campaigns Using federal funds to guarantee finance Locallregional publiclprivate partnerships S.�AT6 U:IN a f M o THE FLORIDA STATE UNIVERSITY COLLEGE OF BUSINESS tasl The Florida Catastrophic Storm Risk Management Center FSU center has best review of PACE program — benefits & pitfalls — FSU Center paid for by RCMP funds PACE has hit a wall due to several complex issues - 1) requires recoup of costs through property taxes which may require special districts — being reviewed by Govs office - 2) creates lien on property - 3) been determined a primary lien meaning it must be paid prior to refinancing, sale etc. Packet Pg. 96 C.2.f Regardless of homeowner buy -in, PACE or similar programs or even if you have sufficient resources; grants can compliment and expand a program. Packet Pg. 97 C.2.f Federal Resources Hazard Mitigation Grant Pre - Disaster Mitigation CDBG / Disaster Recovery Initiatives Currently less than 6% of FEMA funding goes into residential retrofit mitigation. This is attributed to not having established policies, practices and methods proven effective and replicable. NOW, residential mitigation included in FEMA strategic plan FY11 -14. FEMA coastal construction manual released Sept 2011. Packet Pg. 98 C.2.f SHIP funds available can be used as match for state programs and vice versa. SHIP has historically released Disaster Recovery Funds. After 2004 hurricanes $208,000,000 was available for repair and replacement of site built housing. Weatherization programs generally address energy use, but can do some repair with mitigation /weatherization. Care & Repair is a repair program for elderly residents through the FL Dept of Elder Affairs. Why not repair & mitigation the low- income elderly homes. When mitigating homes of the elderly special needs will need to be addressed — mobility, shutter installation and sight. Packet Pg. 99 C.2.f Pending project report from Florida Catastrophic Storm Risk Management Centers - Numerous projects throughout the state have been funded and completed using resources from all levels of government. This project will identify, catalog, and analyze state and federal programs /projects related to risk and mitigation. The catalog of mitigation and its accompanying analysis will allow program coordinators to better evaluate and assess project success. The project will also evaluate existing programs and make recommendations for integration and partnership opportunities. Packet Pg. 100 C.2.f Local Resources P , Non- profit organizations whose mission is.... L jid Habitat for Humanity Area Agencies on Aging United Way Volunteer Centers Long -term Recovery Organizations American Red Cross Economic Development Corporations • Preservation • Economic Recovery • Repair / Construction • Disaster Recovery • Affordable Housing • Community Care 4- 0 c 0 r m 0 c 0 D c 0 r cc c d d a Packet Pg. 101 C.2.f 4- O r c O N m N r O LC> O > d C O r cC r C N N d i CL r O I LL. LL E m i Cl O i CL c O r m a� r 0 J d C cC V i 7 2 r C d E t V c4 r r Q Packet Pg. 102 C.2.f Benefit Cost Analysis Benefits > 1.0 Costs Purchase costs, annual renewal or maintenance, feasible alternatives - all factors in assessing benefit cost analysis Packet Pg. 103 C.2.f 4- O r c O N m a N r O LC> O > d C O r cC r C N N d i CL r O I LL. LL E m i Cl O i CL c O r m a� r 0 J d C cC V i 7 2 r C d E t V c4 r r Q Packet Pg. 104 C.2.f HMGP — Hazard Mitigation Grant Program Program funds 2010: $5,895,121 Hazard Mitigation Grant Program, established by 4.04 Stafford Act — funds available after disasters, and priority to impacted areas. After several years, if funds unexpended they will be opened up to all districts. Generally takes 5 years from the date of the disaster to closeout HMGP funds. This is primarily an application process where local government makes the decision on the use of funds. If funds remain after impacted counties have completed projects (approx 3 -4 years after disaster), funds may be available open competition. Packet Pg. 105 C.2.f Activity - put participants into groups of no less than 3 and place them in the role of the reviewers. Give them instructions, proposal submission, and scoring range. Have them rate the proposal submission. Purpose — when you are reviewing someone else's work, the most common mistakes made are seen. They will also learn from what others are saying. Variation of activity: — larger groups, not to exceed 5 - section out proposals to share with more groups - prompt discussions with actual reviewer comments Review booklets — instructions on latest availability of funds. Packet Pg. 106 C.2.f 4- O r c O N m a N r O LC> O > d C O r cC r C N N d i CL r O I LL. LL E m i Cl O i CL c O r m a� r 0 J d C cC V i 7 2 r C d E t V c4 r r Q Packet Pg. 107 C.2.f Pre - Disaster Mitigation Program NOI generally due July /proposals generally accepted year around. This is a highly competitive national competition. Generally a 3 -year program. Packet Pg. 108 C.2.f Activity - put participants into groups of no less than 3 and place them in the role of the reviewers. Give them instructions, proposal submission, and scoring range. Have them rate the proposal submission. Purpose — when you are reviewing someone else's work, the most common mistakes made are seen. They will also learn from what others are saying. Variation of activity: — larger groups, not to exceed 5 - section out proposals to share with more groups - prompt discussions with actual reviewer comments Review booklets — instructions on latest availability of funds. Packet Pg. 109 C.2.f Picture demonstrates what we are trying to demonstrate. This is the way most think, but the residential can weigh more than the commercial. Packet Pg. 110 C.2.f State allocation from Hurricane Catastrophe Fund FS 215.559 RCMP — annual appropriations and max grant established annually. $793,366 funded for residential retrofits in 2009/2010, max grant $150,000 $3.5 million allocated in 2010 -2011, max grant $150,000 Packet Pg. 111 C.2.f Activity - put participants into groups of no less than 3 and place them in the role of the reviewers. Give them instructions, proposal submission, and scoring range. Have them rate the proposal submission. Purpose — when you are reviewing someone else's work, the most common mistakes made are seen. They will also learn from what others are saying. Variation of activity: — larger groups, not to exceed 5 - section out proposals to share with more groups - prompt discussions with actual reviewer comments Review booklets — instructions on latest availability of funds. Packet Pg. 112 C.2.f 4- O r c O N m N r O LC> O > d C O r cC r C N N d i CL r O I LL. LL E m i Cl O i CL c O r m a� r 0 J d C cC V i 7 2 r C d E t V c4 r r Q Packet Pg. 113 C.2.f CDBG funds available can be used as match for state programs and vice versa. CDBG has historically released Disaster Recovery Funds - more than $290 million to communities across FL after 2004, 2005 and 2008 hurricane seasons. Funds were released to more than 40 counties to repair, buy -out and relocate flood plain residents as well as infrastructure needs. With these grants, especially if you plan to utilize CDBG to match HMGP, timing is of the essence. Pre - disaster planning will alleviate most timing issues. Packet Pg. 114 C.2.f Activity - put participants into groups of no less than 3 and place them in the role of the reviewers. Give them instructions, proposal submission, and scoring range. Have them rate the proposal submission. Purpose — when you are reviewing someone else's work, the most common mistakes made are seen. They will also learn from what others are saying. Variation of activity: — larger groups, not to exceed 5 - section out proposals to share with more groups - prompt discussions with actual reviewer comments Review booklets — instructions on latest availability of funds. Generally discuss SHIP, Weatherization, Care & Repair programs in the context that you - Mitigate while you repair! Good source of identification for priority too. Packet Pg. 115 C.2.f Grantwriting 101 Don't panic.... deep breath. Consider the "human" reviewer Address the experts and the novice Grant writing and interpreting the rules can be overwhelming. Obtain a copy of a successful grant. You'd be surprised how a final proposal is pieced together. Consider the reviewer — ask who has reviewed grants before. What grants, what issues Common issues — review after work, review never convenient, reviewer volunteered, peer pressure.... Reviewer is tired, often distracted and wants to get it over with. Consider experts (ie those passionate about the purpose of the grant) and think... is what we're asking for align with the purpose of the grant. If you are asking for low- income housing, don't ask for funding from a disaster housing RFP. Those passionate about housing disaster survivors, are not always the same as those passionate about low- income housing. Packet Pg. 116 C.2.f Grantwriting 101 o Where are the most points? • Have data ready!! • NEED determines OBJECTIVES which determines ACTIVITIES which determines EVALUTION which determines BUDGET. o Edit, edit, REVIEW before submitting - Portion page limits by percentage of points. This is a guide, not a strict rule. If the need is half the points and evaluation is only ten percent of the points, then the need should be half the pages and the evaluation only one -tenth of the pages. - Have data already gathered for need and for success. START NOW!!!!! - Never put budget first. Follow the order religiously in planning. Reviewers can see it. Crazy I know, but trust it. - Peer reviewers are essential. Packet Pg. 117 C.2.f Grantwriting 101 • Spell check and grammar check • DNUA (Do not use acronyms or vernacular) • Simple sentences • Follow order / mimic instructions • Ask for feedback regardless of result kX0 10 - 1 ,06- Spell check and grammar check doesn't look through /threw for mis -used words. - Reviewers are not going to look up acronyms and are not impressed with local slang. - Reviewers aren't going to look words up in a dictionary. Simple sentences also are easier to understand when tired. - Reviewer instructions and guides follow the instructions. - You might be surprised!! Story of requesting feedback to find match wasn't required for the program because match points weren't awarded in review. Packet Pg. 118 C.2.f Revisit the question who is missing.....Who's input do you want to have, especially for grants. Can they identify more resources in the room than before? Packet Pg. 119 C.2.f Resource Recognition ❑ Florida Division of Emergency Management ❑ Florida Catastrophic Storm Risk Management Center, FSU ❑ Florida's Disaster Fund Pro As Packet Pg. 120 C.2.f How do they want to stay in touch? Group e -mail, facebook page, statewide facebook page? Identify funding source — don't forget to look for private funding as well. Any leader want to invest in their community? Packet Pg. 121 C.2.f "The world we have created today as a result of our thinking thus far has problems which cannot be solved by thinking the way we thought when we created them." Albert Einstein Packet Pg. 122 C.2.g ABOUT THE COMMUNITY DEVELOPMENI E II, BLOCK GRANT [C066] PROGRAM /V D The CDBG program is a flexible program that provides communities with funding to address a wide range of community development needs. Authorized in 1974, the CDBG program is one of the longest continuously run programs at HUD. The CDBG program gives annual grants on a formula basis to over 1.200 units of general local government, insular areas and States. The CDBG Program is authorized by Title I of the Housing and Community Development Act of 1974. Communities can use these funds to address critical and unmet community needs including those for housing rehabilitation, public facilities, infrastructure, job creation, public services, and more. The CDBG program has made a difference in the lives of millions of people and their communities across the Nation LEVERAGE FOR -- COMMUNITY INYESTMENlh CDBG 5in Citizen Participation is a key element of the CDBG program. Citizens are given the opportunity to attend public hearings, to review proposed activities, and provide input. At least 700 of the CDBG funds must be used to benefit low- and moderate - income individuals. Each funded activity must meet one of three national objectives: 1) benefits low- and moderate - income individuals, 2) aids in the prevention or elimination of slums or blight, or 3) addresses an urgent need that poses a serious and immediate threat to the health or welfare of the community which occurred within the last 18 months and for which other funding is not available. More than 9.8 million people live in areas which benefit from CDBG- funded public service activities and almost 3.3 million live in areas which benefit from CDBG - financed public improvements. Approximately 95% of funds are invested in activities that primarily benefit low - and moderate - income persons. Between FY2010 and FY2012, for eFerds dollar of CDBG funds spent, $4 in other public and private funds were leveraged. CDBG SPENDING BY ACTIVITY, FY2001- FY2013 • Public Improvements 31.7% Housing ■■ 24.1% ■■ Administrative & Planning Public 14.9% � Services 11.4% ' -' Economic Development Acquisition Repayments of Section 108 Loans Packet Pg. 123 C.2.g Core Principles Benefiting Cow- and moderate - income persons and communities: The CDBG program works to address a range of community needs. Funds are targeted to assist low- and moderate - income persons and families with the intent of filling gaps in funding. Localdecision- making & flexi6be use of fi.,ra.&/- • By design, the CDBG program empowers local communities to make decisions about how best to address their own needs. Funds may be used for a wide range of activities, allowing grantees to tailor their community development strategies to local circumstances. Community _participation: Through the citizen participation process, community members and stakeholders take part in decision - making. The program builds in opportunities for community and beneficiary input, including public hearings, reviewing program performance and allowing forwritten feedback. - eveyaging &partnea��. Working with partners is critical to the success of most CDBG program activities. Not only do partners often bring financial resources to the table, they also bring expertise and perspective about how to make programs work. CDBG's flexibility allows grantees to use it as a resource to leverage other funds. For example, between FY10 to FY12 for every dollar of CDBG, grantees leveraged $4 in other funds. Strategic & targeted investment: It has become more and more important for grantees to think about creative and innovative ways to extend the reach of their CDBG funds. Linking CDBG activities to other private and public resources compounds the impact of CDBG investments. CDBG's 40 Anniversary HUD, community development professionals, and beneficiaries nationwide celebrate the 40th anniversary of the CDBG program in 2014. While the CDBG program's accomplishments have been vast, community need often outweighs the funding available making it critical for grantees to use these funds strategically. HUD has produced a series of online videos and a multimedia scrapbook designed to share best practices and help grantees and others learn about the CDBG program and inspire new approaches to using the funds. Online rfuuuct The Role of the CDBG Program in Creating a Viable Community (video) The Role of the CDBG Program in Creating Decent Housing (video) The Role of the CDBG Program in Creating a Suitable Living Environment (video) How Communities Can Use CDBG to Create Economic Opportunities (video) How CDBG Benefits Low- and Moderate - Income Persons (multimedia scrapbook) CDBG Success Stories Browse our project profiles to see how communities are using CDBG funds. WE'D LIKE TO HEAR FROM YOU! Please share your CDBG success story on Twitter at #CDBGturns40, or email it to CDBGturns40 @hud.gov. Packet Pg. 124 11/9/2017 2016 HOME Investment Partnerships Program FAQ NCSHAy Published on NCSHA ( https: / /www.ncsha.ora o Home > Resource Center > Content 2016 HOME Investment Partnerships Program FAQ HOME Investment Partnerships Program FAQ What is HOME? The HOME Investment Partnerships Program (HOME), authorized in 1990, provides grants to state and local governments to produce affordable housing for low- income families. States and localities use HOME to finance innovative programs and projects, including new construction, rehabilitation, down payment assistance, and rental assistance —all targeted to low - income families. HOME also frequently provides critical gap financing to make affordable rental housing funded with Low Income Housing Tax Credits or other federal, state, or local housing projects feasible, and allows the housing produced to reach even lower income populations. Every one dollar of HOME funding leverages $4.20 of public and private funding in affordable housing. Since 1990, over 1.2 million units of housing have been produced with HOME funds. HOME funds also have helped more than 307,000 families through tenant -based rental assistance. Whom does HOME serve? All HOME funds must be used to benefit low- income families [at or below 80 percent of area median income (AMI)], and 90 percent of rental funds must benefit very low- income families (at or below 60 percent of AMI). HOME has consistently exceeded these requirements by assisting families with incomes below the HOME limits. For example, 40 percent of those assisted with affordable rental housing during the past five years were extremely low- income families (at or below 30 percent of AM 1). HOME also uniquely empowers states and localities to respond to the housing needs they judge most pressing, allowing them to serve the whole spectrum of need, from homeless to ownership to disaster recovery assistance, from urban to rural areas, and all low- income populations, including families with children, the elderly, and people with special needs. Why is HOME necessary? The flexibility of HOME allows states and localities to decide how best to use scarce HOME funds to meet their most urgent affordable housing needs. HOME often provides the early money necessary to get developments off the ground or the final critical gap financing while private lenders, equity investors, Housing Credit allocations, and other resources come together. How does HOME work? HOME can be used to support both rental housing and homeownership. It can be used for new construction, rehabilitation, down payment assistance, and tenant -based rental assistance. HOME's flexibility allows states and localities to tailor it to their unique needs. https : / /www.ncsha.org /print/34863 I Packet Pg. 125 11/9/2017 2016 HOME Investment Partnerships Program FAQ HOME rental units must remain affordable to low- income families for a period of five to 20 years, depending on the type and amount of HOME assistance they receive. New construction rental units must remain affordable for 20 years. Ownership properties must remain a family's principal residence for a period of up to 15 years, depending on the amount of HOME assistance they receive. What is the economic impact of HOME? For every $1 billion in HOME funding, approximately 17,870 jobs are created or preserved. Moreover, every dollar in HOME funds leverages over four dollars of additional investment in affordable housing. Who administers the HOME program? State and local governments — called participating jurisdictions (PJs)— administer HOME. PJs are responsible for managing the day -to -day operations of their HOME programs, ensuring that HOME funds are used in accordance with all program requirements and written agreements, and taking appropriate action when performance problems arise. Participating Jurisdictions (PJs) must also match a minimum of 25 cents of every dollar of HOME they use. HOME is overseen by the U.S. Department of Housing and Urban Development (HUD). HUD allocates 60 percent of HOME funds to local PJs and 40 percent of HOME funds to state PJs, according to a needs -based formula. HUD monitors the PJs for program compliance, enforces HOME program rules and regulations, and generates multiple reports on PJ activity. What is the current funding level for HOME? In 2015, NCSHA led a nationwide campaign that successfully advocated against severe funding cuts proposed for HOME in early versions of FY 2016 appropriations legislation. In the end, Congress appropriated $950 million for the program, a $50 million increase over its FY 2015 appropriation. Although a step in the right direction, this still represents a near 50 percent reduction in HOME funding since FY 2010. The Obama Administration's FY 2017 Budget proposes $950 million in HOME funding. What should Congress do to improve HOME? HOME has a proven record as a highly successful program, creating rental and homeownership opportunities for tens of thousands of low- income families every year. Communities use these resources wisely and advances have been made to make HOME grantees even more accountable in recent years. Congress should support the proven outcomes of the HOME program by providing an FY 2017 appropriation of at least $1.2 billion. Congress should resist any efforts to cut HOME funding, including resisting set - asides within the HOME account, while working to increase program flexibility, improve efficiency, and eliminate needless bureaucracy. 444 North Capitol Street, NW Suite 438 Washington, DC 20001 © 2016 National Council of State Housing Agencies Source URL: https: / /www.ncsha.org/ resource / 2016 - home - investment - partnerships- program -fag https : / /www.ncsha.org /print/34863 I Packet Pg. 126 C.2.i The Section 203(k) Loan Program Turning "Fixer- Uppers" into Dream Homes About the Section 203(k) Loan Program property must be used as a principal residence by an indi- vidual or family. If you want to buy a home that needs repair or finance needed repairs to your current home, the Section 203 (k) loan program by the U.S. Department of QPP �MENT pFy Housing and Urban Development * O O�� * N� (HUD) may be a good option for you. 0 I 11111 p �= This program allows you to finance the G Q� purchase of a house —or refinance your 9ggry DE\J' " current mortgage —and include the cost of its repairs through a single mortgage. The Section 203 (k) loan program is HUD's primary program for the rehabilitation and repair of single family properties. Section 203 (k) loans are provided through HUD - approved mortgage lenders nationwide and insured by the Federal Housing Administration (FHA), which is part of HUD. "Section 203(k)" refers to the law, part of the National Housing Act, which allows FHA to make this mortgage insurance available. The loans are beneficial for low- and moderate - income individuals or families since the loan downpayment can be as little as 3 percent. While individuals, local governments, and non - profit organiza- tions may participate as borrowers in the program, the How the Loan Works You can take out a Section 203(k) loan as a 15- or 30- year fixed -rate mortgage or as an Adjustable Rate Mortgage (ARM) from a HUD - approved lender. The total amount of your mortgage will be based on the projected value of your home after the renovation is completed, tak- ing into account the cost of the work. A portion of your loan is used to pay for the purchase of the home, or in the case of a refinance, to pay off any existing debt. The remainder is placed in an interest - bearing account on your behalf and released in stages as rehabilitation is completed. FHA requires that you use a minimum of $5,000 toward eligible repairs or improvements and that you complete the repairs within six months after the loan's closing depending on the extent of work to be completed. This first $5,000 pri- marily covers eliminating building code violations, modern- izing, or making health and safety - related upgrades to the home or its garage. You may add minor or cosmetic repairs after this requirement is satisfied, if applicable. You cannot include improvements for commercial use or luxury items, such as tennis courts, gazebos, or new swimming pools. Eligible Homes You may use a 203(k) loan to finance the rehabilita- tion of the following types of properties. Cooperative units and investment properties are not eligible. 1 A one- to four -unit residence that has been com- pleted for at least one year. Examples include detached homes and townhouses. 2 Condominiums in one- to four -unit buildings (interior improvements only; additional restric- tions apply). 3 Mixed -use residential properties that include com- mercial space. 4 Conversion of a one -unit residence to a two -, three -, or four- family dwelling. 5 Conversion of an existing multi -unit dwelling down to a one- to four- family unit. 6 An existing house or modular unit on another site that can be moved onto the mortgaged property. Release of loan proceeds for the existing struc- ture on the non - mortgaged property is not allowed until the new foundation has been properly inspected and the residence has been properly placed and secured to the new foundation. 7 Homes that have been demolished or will be razed as part of rehabilitation work if some of the exist- ing foundation remains in place. Packet Pg. 127 C.2.i Eligible Home Improvements The Section 203 (k) loan covers a range of home improvements. These include, but are not limited to, the following: • Remodeling bathrooms or a kitchen, including new built -in appliances • Replacing a roof, gutters, and downspouts • Adding a family room, bedrooms, or bathrooms • Replacing flooring, tiling, or carpeting • Completing a basement or attic conversion or adding a second story • Expanding or building a garage or carport • Renovating a deteriorating property, such as repairing a chimney, termite damage, or structural problems • Upgrading plumbing, heating, air conditioning, or elec- trical wiring • Eliminating health and safety hazards, such as removing lead -based paint • Making the home accessible to the disabled • Installing a well or a septic system • Adding a porch, deck, or patio • Adding or repairing siding or repainting • Installing energy efficient windows or doors • Repairing an existing swimming pool Helpful Options If you are not planning to live in the home during con- struction, you may finance up to six months of mortgage payments during the renovation period. In addition, you may act as your own general contractor or do the actual repair work yourself, if you are qualified. Any money you save this way can be used for cost overruns or additional improvements. You can be reimbursed only for actual mate- rial costs, not for your own labor. How to Apply and Got More Information Once you find the property that you wish to purchase and conduct a preliminary feasibility analysis with your real estate professional, or if you are already living in the resi- dence you plan to repair, you should find a HUD - approved lender who will help you understand the next steps and details of the 203(k) loan program. Because many borrowers need professional help in determining needed repairs or improvements, your lender will assign a 203(k) consultant to assist you in planning the work and developing cost esti- mates. The consultant will perform the home inspection, identify needed repairs or improvements, including health and safety problems, and provide a work write -up and cost estimate to you. You also can contact a HUD - approved housing counseling agency or check the HUD website to get more information about the program. Information Resources Internet www.hud.gov or espanol.hud.gov. More details about the Section 203 (k) loan program are on the HUD website in English and Spanish. HUD - Approved Housing Counseling Agency Locator HUD supports a network of approved housing counsel- ing agencies that provide counseling services across the nation. For a complete list of HUD - approved agencies in your area, call the HUD housing counseling referral line toll -free at 1. 800. 569.4287 or visit the HUD website at www.hud.gov. HUD- Approved Lenders A searchable database of HUD - approved lenders, including banks, mortgage companies, and credit unions, is available on the HUD website at www.hud.gov. HUD - 2005 -09 -FHA February 2005 www.hud.gov espanol.hud.gov Packet Pg. 128 C.2.j The Three Step Process: Disaster Loans DISASTER .,..I SUAASSISTANCE ^m " ""' x.nnlals antl Buslaessns of All SIiBS About Disaster Loans The U. S. Small Business Administration (SBA) provides low- interest, long -term disaster loans to businesses of all sizes, private non - profit organizations, homeowners, and renters to repair or replace uninsured /underinsured disaster damaged property. SBA disaster loans offer an affordable way for individuals and businesses to recover from declared disasters. • Apply: 1) online; 2) in- person at a disaster center; or 3) by mail. • Apply online at the SBA's secure website https : / /disasterloan.sba.gov /ela. • As a business of any size, you may borrow up to $2 million for physical damage. • As a small business, small agricultural cooperative, small business engaged in aquaculture, or private non - profit organization you may borrow up to $2 million for Economic Injury. • As a small business, you may apply for a maximum business loan (physical and EIDL) of $2 million. • As a homeowner you may borrow up to $200,000 to repair /replace your disaster damaged primary residence. • As a homeowner or renter, you may borrow up to $40,000 to repair /replace damaged personal property. • SBA reviews your credit before conducting an inspection to verify your losses. • An SBA verifier will estimate the total physical loss to your disaster damaged property. • A loan officer will determine your eligibility during processing, after reviewing any insurance or other recoveries. SBA can make a loan while your insurance recovery is pending. • A loan officer works with you to provide all the necessary information needed to reach a loan determination. Our goal is to arrive at a decision on your application within 4 weeks. • A loan officer will contact you to discuss the loan recommendation and your next steps. You will also be advised in writing of all loan decisions. • SBA will prepare and send your Loan Closing Documents to you for your signature. • Once we receive your signed Loan Closing Documents, an initial disbursement will be made to you within 5 days: 0 Physical damage: ➢ $25,000 0 Economic injury (working capital): ➢ $25,000 • A case manager will be assigned to work with you to help you meet all loan conditions. They will also schedule subsequent disbursements until you receive the full loan amount. • Your loan may be adjusted after closing due to your changing circumstances, such as increasing the loan for unexpected repair costs or reducing the loan due to additional insurance proceeds. For more information or to find a local disaster center, contact SBA's Customer Service Center at 1- 800 - 659 -2955 (TTY: 1- 800 - 877 - 8339). http: / /www.sba.gov /disaster Packet Pg. 129 August 2017 C.2.j The following documents are required to process your application and reach a loan decision. Your Loan Officer and Case Manager will assist you to ensure that you submit the proper documentation. Approval decision and disbursement of loan funds is dependent on receipt of your documentation For more information or to find a local disaster center, contact SBA's Customer Service Center at 1- 800 - 659 -2955 (TTY: 1- 800 - 877 - 8339). http://www.sba.gov/disaste r August 2017 Packet Pg. 130 BUSINESSES HOMEOWNERS AND RENTERS • Business Loan Application (SBA Form 5) completed and signed by business • Home Loan Application (SBA Form 5c) completed and signed by Applicant applicant. and Co- Applicant. • IRS Form 4506 -T completed and signed by Applicant business, each • IRS Form 4506 -T completed and signed by Applicant and Co- Applicant. principal owning 20% or more of the applicant business, each general partner or managing member and, for any owner who has more than a 50% ownership in an affiliate business. (Affiliates include business parent, subsidiaries, and /or businesses with common ownership or management). • Complete copies, including all schedules, of the most recent Federal income 1 tax returns for the applicant business; an explanation if not available. • Personal Financial Statement (SBA Form 413) completed, signed and dated by the applicant (if a sole proprietorship), each principal owning 20% or https : / /disasterloan.sba.gov /eIa more of the applicant business, each general partner or managing member. • Schedule of Liabilities listing all fixed debts (SBA Form 2202 may be used). ADDITIONAL INFORMATION THAT MAY BE NECESSARY TO PROCESS YOUR APPLICATION: • Complete copies, including all schedules, of the most recent Federal income tax returns for each principal owning 20% or more of the applicant business, each general partner or managing member, and each affiliate when any owner has more than a 50% ownership in the affiliate business. Affiliates include, but are not limited to, business parents, subsidiaries, 1 -800- 659 -2955 (TTY: 1 -800- 877 -8339) and /or other businesses with common ownership or management. • If the most recent Federal income tax return has not been filed, a year -end profit and loss statement and balance sheet for that tax year. • A current year -to -date profit and loss statement. • Additional Filing Requirements (SBA Form 1368) providing monthly sales figures. For more information or to find a local disaster center, contact SBA's Customer Service Center at 1- 800 - 659 -2955 (TTY: 1- 800 - 877 - 8339). http://www.sba.gov/disaste r August 2017 Packet Pg. 130 STATE OF . r DIVISION OF EMERGENCY MANAGEMENT RICK SCOTT Governor September 21, 2017 Attn: LMS Coordinators RE: Hazard Mitigation Grant Program Project Type Recommendation Dear Emergency Management Professionals: BRYAN W.KOON Director The State of Florida received a Presidential Disaster Declaration (DR- 4337 -FL) on September 10, 2017 for Hurricane Irma, which impacted many counties in the State of Florida. Federal aid to supplement state and local hazard mitigation efforts, including the Hazard Mitigation Grant Program (HMGP), will be made available throughout the state and administered by the Florida Division of Emergency Management (Division). HMGP provides funding for technically feasible, cost - effective mitigation activities that reduce or eliminate long -term risk to people and property from natural hazards and their effects. Florida Administrative Code, 27P -22 designates the Local Mitigation Strategy Working Groups (LMS) as the responsible entity for coordinating mitigation activities within the County. The LMS works with local stakeholders to identify, prioritize, and select eligible mitigation activities to be submitted for funding consideration under the HMGP. This process has greatly benefited both the state and the local communities, and the state has no desire to disrupt this process. Due to the nature of the damages caused by this event, we recommend that mitigation projects submitted for consideration under the HMGP focus on acquisition of properties without flood insurance in the Special Flood Hazard Area. The benefits of flood mitigation are extensive and provide significant return on investment for communities and their citizens. While reviewing eligible projects for prioritization and selection, please consider the Community Rating System (CRS) benefits of projects and focus on maximizing these benefits whenever possible. A Notice of Funding Availability will be published shortly after 90 -days from the declaration date in the Florida Administrative Register and at Floridadisaster.org. It will be distributed to E all LMS, EM directors and Boards of County Commissioners as well, — In the meantime, we hope that you continue to communicate to the Division's Bureau of o Mitigation any questions or concerns you have about the HMGP so that we can better o assist your communities when funding becomes available. If you have any questions r c CD E r r a D I V I S I O N H E AD Q U A R T E R S STATE LOGISTICS RESPONSE CENTER 2555 5hUmard Oak Blvd Tei:850-815 -4000 2702 Directors Row Tallahassee, FL 32399 -2100 www o rg Orlando, FL 32809 -563 Packet ',Pg. 131 LMS Coordinators September 21, 2017 Page Two regarding this letter or any of our mitigation grant programs, please call the Mitigation Hotline at (850) 815 -4524. Sincerely, W*FAVAR98R ' &r Florida Division of Emergency Management a� L c D C W 4- O N CD LO M r C N E t V r r Q