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Item B1B.1 County ®f Monroe BOARD COUNTY COMMISSIONERS l�l Mayor Da Rice, District 4 The Florida. Keys Mayor Pro Tem Sylvia J. Murphy, District 5 Danny L. Kolhage, District I George Neugent, District 2 Heather Carruthers, District 3 County Commission Meeting May 10, 2018 Agenda Item Number: B.1 Agenda Item Summary #4226 BULK ITEM: No DEPARTMENT: Planning/Environmental Resources TIME APPROXIMATE: STAFF CONTACT: Christine Hurley (305) 292 -4441 n/a AGENDA ITEM WORDING: Report on Department of Economic Opportunity (DEO's) Community Development Block Grant- Disaster Recovery (CDBG -DR) DRAFT Action Plan including Florida Keys set aside of $90 Million of which $50M is for housing repair /reconstruction; $20M is for Low - Income Housing Tax Credit (LIHTC) projects through Florida Housing Finance Corporation (FHFC); $ l OM for land acquisition for affordable housing; $ l OM for voluntary sellouts of sites for green space and possible affordable housing development. ITEM BACKGROUND: The Federal Government appropriated funding through the Housing and Urban Development Department (HUD) to respond to Hurricane Irma impacts. Florida is set to receive close to $616 million in the first round of funding of which $90 million has been set aside for the Florida Keys. On April 20, 2018, the Department of Economic Opportunity (DEO) announced the availability of the 2018 State of Florida DRAFT Action Plan for the Community Development Block Grant - Disaster Recovery (CDBG -DR) for Hurricane Irma. DEO provided a 14 -day public comment period to solicit feedback on the DRAFT Action Plan that ends on May 4, 2018_ The DRAFT Action Plan identifies programs that DEO will implement using the appropriated funds. CDBG funding is for low to moderate income households. Attached is the Draft Action Plan with Monroe County Comments submitted. Packet Pg. 3 B.1 The program budget outlined is as follows: PREVIOUS RELEVANT BOCC ACTION: Packet Pg. 4 Program Budget MID Budget Breakdown Min Set- Estimated Average Program Total Budget 8096 2056 Aside for Keys LMI Benefit Maximum Award award per unit Estimated fl of Units Housing Programpan MW ® M M MEN Affordable Rental New Construction Workforce N EENEEN E Program: UHTC Workforce Affordable Rental New Construction 00000011 Program: Small Rental Developments for Affordable Land Acquisition MMMEEN Workforce Housing �BrryoutPrtrgram mmmWWWWO ECONOMIC REVITAUZATION Workforce Training Recovery MMMMMMEN Recovery Small Business MMMEEM Forgivable Loan Business Assistance to Floridians PUBUC SERVICES new from Puerto Rico 000 11111 PREVIOUS RELEVANT BOCC ACTION: Packet Pg. 4 N/A CONTRACT /AGREEMENT CHANGES: n/a STAFF RECOMMENDATION: DOCUMENTATION: SOF Action Plan with Comments Hurricane Irma Draft Action Plan Summary Draft State Action Plan Summary CDBG -DR for BOCC 5 -10 -18 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: REVIEWED BY: Emily Schemper Completed Steve Williams Completed Assistant County Administrator Christine Hurley 05/08/2018 8:52 AM Jaclyn Carnago Skipped Budget and Finance Completed Maria Slavik Skipped Kathy Peters Completed Board of County Commissioners Pending 05/07/2018 12:50 AM 05/07/2018 8:35 AM Completed 05/08/2018 9:35 AM 05/08/2018 9:48 AM 05/08/2018 9:36 AM 05/08/2018 10:00 AM 05/10/2018 11:00 AM Packet Pg. 5 B.1.a STATE OF FLORIDA ACTION PLAN for 4) FLORIDA DEPARTMENT f ECONOMIC OPPORTUNITY Submitted to the U.S. Department of Housing and Urban Development (HUD) in fulfillment of requirements for the Community Development Block Grant - Disaster Recovery (CDBG -DR) program for recovery fort Hurricane Irma. E E 0 U t I r . I C ca (L C I 0 r Q I O U) r c m E t v cc r Q Packet Pg. 6 r11C A CTCM MCf IC MX/ F(5� Exhibit 3 to Report B a Summary of Comments on State of Florida Action Plan for Disaster Recovery - Florida Department of Economic Opportunity.pdf Page: 1 — Number: 1 Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 12:31:34 PM Comments by Christine Hurley, Assistant County Administrator, Monroe County (Florida Keys), 2798 Overseas Highway Marathon, FL 33050 Mobile: 305 - 393 -3361 Packet Pg. 7 B.1.a State of Florida Action Plan for ReeoVery Table of Contents LISTOF TABLES ......................................................................................................................... ..............................5 LISTOF FIGURES ....................................................................................................................... ..............................5 I. INTRODUCTION AND BACKGROUND ........................................................................................ ..............................7 II. UNMET NEEDS ASSESSMENT ................................................................................................... ..............................8 Section1: Introduction ............................................................................................................. ..............................8 Background........................................................................................................................... ..............................8 Section 2: Florida Disaster Recovery Program ......................................................................... ..............................9 Community Profile: Summary of Impact and Presidentially Declared Counties .................. ..............................9 HurricaneIrma .................................................................................................................. ..............................9 Demographic Profile of the Impacted Area .................................................................. ............................... 19 Impact on Low - and - Moderate - Income Populations .................................................... ............................... 21 Impact on Special Needs Populations .......................................................................... ............................... 27 Section 3: Unmet Needs Assessment ................................................................................... ............................... 37 Summary of Impacts and Unmet Needs ........................................................................... ............................... 38 HousingImpact ............................................................................................................. ............................... 39 HousingTypes Affected ................................................................................................ ............................... 41 SingleFamily ................................................................................................................. ............................... 41 RentalHousing .............................................................................................................. ............................... 42 AffordableHousing ....................................................................................................... ............................... 49 MobileHomes .............................................................................................................. ............................... 52 Residential Properties in the Flood Zone ..................................................................... ............................... 54 HousingFunds Made Available ........................................................................................ ............................... 60 FEMA Individual Assistance (IA) ................................................................................... ............................... 60 National Flood Insurance Program (NFIP) Coverage .................................................... ............................... 61 Small Business Association (SBA) Home Loans ............................................................. ............................... 62 Private Insurance Proceeds .......................................................................................... ............................... 63 HousingUnmet Need ....................................................................................................... ............................... 64 HousingImpact Methodology ...................................................................................... ............................... 64 InfrastructureImpact ....................................................................................................... ............................... 66 PublicAssistance .......................................................................................................... ............................... 67 HMGPand Resilience ................................................................................................... ............................... 68 1 I P a g e DRAFT for Public Comment April 20, 2018 r c m E E 0 U t I r 3 I c m a c I 0 r Q I O U) c m E t m r Q Packet Pg. 8 B.1.a State of Florida Action Plan for ReeoVery EconomicImpact .............................................................................................................. ............................... 68 Businessand Employment ............................................................................................ ............................... 68 Florida Keys Considerations ......................................................................................... ............................... 71 III. GENERAL ACTION PLAN REQUIREMENTS ........................................................................... ............................... 72 1. Connection Between Needs and Allocation of Funds ..................................................... ............................... 72 2. Public Housing, Affordable Housing and Housing for Vulnerable Populations ................ ............................... 72 3. Minimize or Address Displacement .................................................................................. ............................... 73 4. Maximum Assistance and Cost Reasonableness Assessment .......................................... ............................... 74 5 Elevation Standards ......................................................................................................... ............................... 74 6 Planning and Coordination .............................................................................................. ............................... 75 7 Infrastructure Activities ................................................................................................... ............................... 76 8 Leveraging Funds ............................................................................................................. ............................... 76 9. Protection of People and Property; Construction Methods ............................................ ............................... 77 10 Program Income ............................................................................................................ ............................... 78 11. Monitoring Standards and Procedures .......................................................................... ............................... 78 12. Broadband Infrastructure .............................................................................................. ............................... 78 IV. PROJECTS AND ACTIVITIES ................................................................................................. ............................... 79 1 Method of Distribution ..................................................................................................... ............................... 79 2 Program Budget ................................................................................................................ ............................... 80 3 Basis for Allocations ......................................................................................................... ............................... 82 4 Program Details ................................................................................................................ ............................... 84 HousingActivities ................................................................................................................. ............................... 84 HousingRepair Program ................................................................................................... ............................... 84 Workforce Affordable Rental New Construction Program ............................................... ............................... 89 Voluntary Home Buyout Program .................................................................................... ............................... 91 Economic Revitalization Activities ........................................................................................ ............................... 92 Workforce Recovery Training Program ............................................................................ ............................... 93 Business Recovery Grant Program ................................................................................... ............................... 93 PublicAssistance .................................................................................................................. ............................... 94 Business Assistance to New Floridians from Puerto Rico ................................................. ............................... 94 Infrastructure Repair and Mitigation Activities .................................................................... ............................... 95 Infrastructure Repair and Mitigation Program ................................................................. ............................... 95 5 Use of CDBG -DR as Match ................................................................................................ ............................... 95 2 1 P a g e DRAFT for Public Comment April 20, 2018 r c m E E 0 U t r 3 c i m a i c 0 r Q LL O U) r c m E t m r Q Packet Pg. 9 B.1.a State of Florida Action Plan for ReeoVery 6 Ineligible Activities ............................................................................................................ ............................... 96 7 Method of Distribution ..................................................................................................... ............................... 96 V. LOCATION, MITIGATION MEASURES AND URGENT NEED .................................................. ............................... 97 1. Presidentially - Declared County ....................................................................................... ............................... 97 2 Mitigation Measures ........................................................................................................ ............................... 97 3 Use of Urgent Need .......................................................................................................... ............................... 97 VI Citizen Participation ............................................................................................................ ............................... 98 Publication............................................................................................................................ ............................... 98 3 Public Website ................................................................................................................. ............................... 98 4 Consultation ....................................................................................................................... .............................99 We b i na rs ........................................................................................................................... ............................... 99 Local Government Stakeholder Meetings ........................................................................ ............................... 99 Community Stakeholder Survey ..................................................................................... ............................... 100 EconomicRecovery ........................................................................................................ ............................... 102 Workshops...................................................................................................................... ............................... 102 Florida Keys Workforce Affordable Housing Outreach .................................................. ............................... 103 Website........................................................................................................................... ............................... 103 AdditionalOutreach ....................................................................................................... ............................... 103 5 Accessibility ................................................................................................................... ............................... 104 6 Receipt of Comments .................................................................................................... ............................... 104 7 Substantial Amendment ................................................................................................ ............................... 104 8. Summary of Public Comments ...................................................................................... ............................... 104 9 Citizen Complaints ......................................................................................................... ............................... 105 VII. Certification and Risk Analysis Documentation .............................................................. ............................... 106 1 CDBG -DR Certifications .................................................................................................. ............................... 106 2 SF- 424 ............................................................................................................................ ............................... 108 VIII. CONCLUSION .................................................................................................................. ............................... 109 1 Complete and Compliant ................................................................................................ ............................... 109 2. Pre - Award, Pre - Agreement and Reimbursement ......................................................... ............................... 109 3 Uniform Relocation Act ................................................................................................. ............................... 109 4. Disaster Recovery Program Implementation ................................................................ ............................... 110 5. Citizen Participation and Applications for Assistance ................................................... ............................... 110 IX. APPENDICES AND SUPPORTING DOCUMENTATION ........................................................ ............................... 111 3 1 P a g e DRAFT for Public Comment April 20, 2018 r c m E E 0 U t r 3 c i m a i c 0 r Q LL O U) r c m E t m r Q Packet Pg. 10 B.1.a State of Florida Action Plan for ReeoVery Appendix 1: 2017 Family Income Limits for IA Declared Counties ................................ ............................... 111 Appendix 3: Insurance claims by county for Hurricane Irma ......................................... ............................... 139 Appendix 4: LMI population counts by block group and county for Irma impacted counties ...................... 141 Appendix 5: National Flood Insurance claims and payments ........................................ ............................... 142 Appendix 6: FEMA Applicant Breakdown by < 30 Percent Low /Moderate Income, Age, and Access /Functional Needs ................................................................................................ ............................... 144 Appendix 7: FEMA applicant breakdown by < 30 percent low /moderate income, county and housing assistancereceived ......................................................................................................... ............................... 144 Appendix 8: FEMA applicant breakdown by < 50 percent low /moderate income, age and access /functional needs.............................................................................................................................. ............................... 146 Appendix 9: FEMA applicant breakdown by < 50 percent low /moderate income, county and housing assistancereceived ......................................................................................................... ............................... 146 Appendix 10: FEMA applicant breakdown by < 80 percent low /moderate income, age and access /functional needs.............................................................................................................................. ............................... 148 Appendix 11: Comments Received During 14 -Day Public Comment Period .................. ............................... 149 r c m E E 0 U t r 3 c m a r- 0 r Q LL O U) 41 Page r c m E t m r DRAFT for Public Comment April 20, 2018 Q Packet Pg. 11 B.1.a State of Florida Action Plan forDisaster ReeoVery LIST OF TABLES Table 1: Data sources utilized in the assessment of impacts and unmet needs ................... ............................... Table 2: Maximum storm surges from Hurricane Irma ......................................................... ............................... Table 3: Declared county list for presidential disaster declarations 4337 (Hurricane Irma) ............................... Table 4: Demographic profile information — American Community Survey data, 2016 release .......................... Table 5: LMI population counts by block group and county for Irma impacted counties .... ............................... Table 6: Changes in Homelessness population by state continuum area, 2015 - 2016 .......... ............................... Table 7: Shelter Occupancy by County for Hurricane Irma ................................................... ............................... Table 8: Estimated Number of Maria Evacuees Enrolled in Florida Schools, by County ...... ............................... Table 9: Estimated Maria Evacuees as a Function of School Enrollments ............................ ............................... Table 10: Data Sources Used in the Assessment of Impacts and Unmet Needs ................... ............................... Table 11: Estimated Impact, Support and Unmet Needs ...................................................... ............................... Table 12: FEMA IA Applicants in the Hurricane Irma IA Impacted Counties ......................... ............................... Table 13: FEMA IA Applicants by Housing Type .................................................................... ............................... Table 14:Rental units by year built ........................................................................................ ............................... Table 15: 2017 Hurricane Impact Data as of March 5, 2018 ................................................. ............................... Table 16: Percentage of Income Spent on Housing by Owner /Renter Status and Household Income, Florida, 2015 ....................................................................................................................................... ............................... Table 17: Cost Burden Data, Florida Summary ...................................................................... ............................... Table18: Cost of Living .......................................................................................................... ............................... Table19: Poverty Levels ........................................................................................................ ............................... Table 20: Mobile Homes With Verified Loss by County ........................................................ ............................... Table 21: Substantially Damaged Determined (SD) Structures and Respective Communities ............................ Table 22: Hurricane Irma FEMA Housing Assistance Program Funding Breakdown ............. ............................... Table 23: FEMA Applicant Breakdown by Assessed Damage and Receipt of FEMA Housing Assistance............ Table 24: NFIP Property Claims and Totals ............................................................................ ............................... Table 25: Hurricane Irma Insurance Claims Data .................................................................. ............................... Table 26: Total Derived Impacts and Unmet Needs for Housing .......................................... ............................... Table 27: Public assistance projects by category, Hurricane Irma ........................................ ............................... Table 28:Total Derived Impacts and Unmet Needs for Businesses ....................................... ............................... Table 29: Statewide 2017 -2025 Projections and Supply Demand ........................................ ............................... Table 30: Ratios Used in Estimating Business Operations Losses ........................................ ............................... LIST OF FIGURES Figure 1: Hurricane Irma Sustained Winds in South Florida .................. ............................... Figure 2: Hurricane Irma sustained winds in southcentral, southwest and west Florida.... Figure 3: Hurricane Irma sustained winds in northcentral Florida and south Georgia........ Figure 4: Hurricane Irma modeled preliminary flood observations in south Florida........... Figure 5: Hurricane Irma modeled estimated flooding around Jacksonville, FL .................. Figure 6: Hurricane Irma and rainfall estimates .................................... ............................... Figure 7: Declared counties for presidential disaster declarations 4337 (Hurricane Irma). 51 Page ..9 12 16 20 22 31 34 35 36 37 38 39 41 44 44 48 49 50 51 54 55 59 61 61 63 66 67 69 70 70 10 11 12 13 14 15 18 DRAFT for Public Comment April 20, 2018 Packet Pg. 12 B.1.a State of Florida Action Plan for ReeoVery Figure 8: HUD initial assessment of most impacted counties and zip Codes ........................... ............................... 19 Figure 9: Low -to- moderate income by block group for HUD identified most impacted area — Brevard County... 24 Figure 10: Low -to- moderate income by block group for HUD identified most impacted area — Broward County. 24 Figure 11: Low -to- moderate income by block group for HUD identified most impacted area — Collier County.... 24 Figure 12: Low -to- moderate income by block group for HUD identified most impacted area — Duval County..... 24 Figure 13: Low -to- moderate income by block group for HUD identified most impacted area — Lee County........ 25 Figure 14: Low -to- moderate income by block group for HUD identified most impacted area — Miami -Dade County...................................................................................................................................... ............................... 25 Figure 15: Low -to- moderate income by block group for HUD identified most impacted area — Monroe County. 25 Figure 16: Low -to- moderate income by block group for HUD identified most impacted area — Orange County.. 25 Figure 17: Low -to- moderate income by block group for HUD identified most impacted area — Polk County....... 26 Figure 18: Low -to- moderate income by block group for HUD identified most impacted area — Volusia County.. 26 Figure 19: Low -to- moderate income by block group for HUD identified most impacted area —Zip Code 32068. 26 Figure 20: Low -to- moderate income by block group for HUD identified most impacted area —Zip Code 32091. 26 Figure 21: Low -to- moderate income by block group for HUD identified most impacted area —Zip Code 32136. 27 Figure 22: Low -to- moderate income by block group for HUD identified most impacted area —Zip Code 34266. 27 Figure 23: Percent of tract non - English- speaking population .................................................. ............................... 28 Figure 24: Age dependent (< 5 Years or > 65 Years) populations by tract ............................... ............................... 29 Figure 25: Percent of population living below poverty line by tract ........................................ ............................... 30 Figure 26: Percent unemployment by tract ............................................................................. ............................... 30 Figure 27: Percent mobile home populations by tract ............................................................. ............................... 30 Figure 28: Breakdown of Impacts, Support and Unmet Need by Recovery Category ............. ............................... 38 Figure29: Median House Value ............................................................................................... ............................... 42 Figure30: Renter Populations .................................................................................................. ............................... 43 Figure 31: Mobile Home Populations .......................... Figure 32: Properties in a Flood Zone .......................... Figure 33: HUD Housing Unmet Needs Methodology. Figure 34: HUD Business Unmet Needs Methodology ......................................................... ............................... 53 ......................................................... ............................... 58 ......................................................... ............................... 65 ......................................................... ............................... 69 61Pag DRAFT for Public Comment April 20, 2018 Packet Pg. 13 B.1.a State of Florida Action Plan for ReeoVery I. INTRODUCTION AND BACKGROUND The U.S. Department of Housing and Urban Development (HUD) announced that the state of Florida will receive $616 million in funding to support long -term recovery efforts following Hurricane Irma through the Florida Department of Economic Opportunity's (DEO) Community Development Block Grant Disaster Recovery (CDBG- DR) Program. This funding is designed to address needs that remain after other assistance has been exhausted, including federal assistance as well as private insurance. DEO is the lead agency and responsible entity for administering the CDBG -DR funds allocated to the state. This action plan details how this funding, along with subsequent allocations, will be allocated to address remaining unmet needs in Florida. Hurricane Irma, a Category 4 hurricane, made landfall on September 10, 2017 in the middle of the Florida Keys and then turned northward making a second landfall near Marco Island and progressing northward through the center of the state. Irma capped an active hurricane season by impacting nearly the entire Florida peninsula with strong winds, rain, and storm surges. There were many reports of hurricane force winds in southeast Florida, through the center of the state and tropical storm force winds into the northern parts of the state. Hurricane Irma brought moderate storm surge to coastal areas in the keys, and along the east coast from north of Miami all the way through the northern border of the state. South Florida counties saw storm surges of more than eight feet, with Monroe and Miami -Dade recording observed surges over 15 feet in some locations. Storm surges along the St. Johns River and its tributaries were also predicted to be extreme in some cases. Fresh water outflows from rivers slowed retreat of the storm surges in Jacksonville, lengthening the flooding period over the days following Irma. Hurricane Irma produced moderate rainfall across much of western and central portions of Florida. The maximum reported storm -total rainfall was nearly 16 inches in Fort Pierce and in Oviedo (north of Orlando) a measurement of 14.6 inches was recorded. The entire southwestern seaboard of Florida received between 6 — 14 inches of rain and localized heavy rainfall was seen through Pasco and Polk counties as Irma moved northward. The most significant concentration of damage occurred in the Florida Keys, where the hurricane made landfall Hurricane Irma left this chain of islands connected by a span of 40 bridges with 1,200 homes destroyed and an additional 3,000 homes significantly damaged. On September 20, 2017, less than two weeks following Hurricane Irma's landfall in Florida, Hurricane Maria struck Puerto Rico as a Category 4 hurricane. The devastation caused by this storm left many Puerto Ricans homeless and seeking refuge in the State of Florida. On October 2, 2017, Governor Rick Scott signed an executive order declaring a state of emergency in all 67 counties for Hurricane Maria. Governor Scott said, "Our state is an incredible melting pot, and the success and growth we've seen over the years is credited to the wonderful people that live in Florida. As Puerto Rico rebuilds, Florida remains committed to doing everything we can to help the families impacted by Hurricane Maria and aid in the recovery process." The State of Florida remains committed to helping Hurricane Irma and Maria impacted communities rebuild their lives, homes and businesses through the provision of disaster recovery funding through the Community Development Block Grant program. 71 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 14 B.1.a State of Florida Action Plan for Recovery II. UNMET NEEDS ASSESSMENT Section 1: Introduction This unmet needs assessment covers Florida's housing, infrastructure and business damage and recovery efforts in the wake of Hurricane Irma (September 2017). Irma was a devastating Category 4 hurricane that made initial landfall in the middle Keys, secondary landfall near Marco Island in southeast Florida and then moved up the center of the state, bringing strong winds, rain, storm surges and tornados. As the State continues its long -term recovery efforts from this storm, a focus on identifying impacts and addressing unmet needs is key. State and local government agencies, as well as civic organizations and community leaders will continue to address the challenges from these events for years to come. Background The Supplemental Appropriations for Disaster Relief Requirements, 2017 (Pub. L. 114 -113, approved December 18, 2015) (Appropriations Act) appropriates federal funds to states or units of general local government (UGLGs) for disaster recovery efforts. A $7.39 billion appropriation of Community Development Block Grant - Disaster Recovery (CDBG -DR) funds will be distributed to the various states that received a presidential disaster declaration in 2017, including Texas, Florida, Puerto Rico and the U.S. Virgin Islands. These funds are to be used in order to satisfy a portion of unmet need that still remains after other federal assistance, such as the Federal Emergency Management Agency (FEMA), Small Business Administration (SBA) or private insurance has been allocated. The Florida Department of Economic Opportunity is the lead agency and responsible entity for administering the CDBG -DR funds allocated to the state. The U.S. Department of Housing and Urban Development (HUD) uses the best available data to identify and calculate unmet needs for disaster relief, long -term recovery, restoration of infrastructure and housing and economic revitalization. Based on this assessment, HUD notified the state of Florida that it will receive an allocation of $615,922,000 in disaster recovery funds to assist in recovery from the hurricanes. The Disaster Relief Appropriations Act requires that the state or local government must expend the funds within six years of the executed agreement between HUD and the grantee unless an extension is granted by HUD. In order to ensure that the funds assist the most impacted areas, $492,737,600 must be expended on disaster recovery in HUD - identified "most impacted and distressed" areas. All of the allocated funds must be used for eligible disaster - related activities. To ensure that fraud, waste, and misuse of funds does not occur, effective controls must be in place and monitored for compliance. The unmet needs assessment, which evaluates the three core aspects of recovery— housing, infrastructure and economic development - forms the basis for the decisions outlined in the action plan. This assessment was developed with the help of many state and local stakeholders as well as the public, through county and local risk assessments and the public comment period, to determine how unmet needs can be addressed with these limited federal funds. 81 Page= DRAFT for Public Comment April 20, 2018 Packet Pg. 15 B.1.a State of Florida Action Plan for Recovery TABLE 1: DATA SOURCES UTILIZED IN THE ASSESSMENT OF IMPACTS AND UNMET NEEDS National Oceanic and Atmospheric Administration; National Weather Service (Ruskin, Tallahassee) Federal Emergency Management Agency Federal Emergency Management Agency U.S. Department of Housing and Urban Development United States Census Bureau U.S. Department of Housing and Urban Development National Homeless Information Project; Florida Coalition for the Homeless Red Cross, FDEM Section 2: Florida Disaster Recovery Program Community Profile: Summary of Impact and Presidentially Declared Counties Hurricane Irma Hurricane Irma was a Category 4 hurricane (on the Saffir- Simpson Hurricane Wind Scale) that made landfall in the middle of the Florida Keys, then turned northward making a second landfall near Marco Island and continued to progress north through the center of the state. Irma capped an active hurricane season by impacting nearly the entire Florida peninsula with strong winds, rain and storm surges. There were many reports of hurricane force winds in southeast Florida (Figure 1) through the center of the state (Figure 2) and tropical storm force winds into the northern parts of the state (Figure 3). 1 http: / /www.nhc.noaa.gov /data /tcr /AL092016_.pdf 91Page DRAFT for Public Comment April 20, 2018 Packet Pg. 16 B.1.a State of Florida Action Plan for Recovery FIGURE 1: HURRICANE IRMA SUSTAINED WINDS IN SOUTH FLORIDA P 1 2 National Weather Service Miami office - https: // twitter. com/ NWSMiami /status/907129378856828928 10 1 DRAFT for Public CommentApri120, 2018 Packet Pg. 17 Page: 10 —_ Number: 1 Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 1:32:48 PM It would be good to add the Florida Keys below this map to show the sustained wind gusts in Monroe County. H LL D D t7 m D U _ a> 0 v d a> r cc D c (7 v 0 m r c d E CL 0 d d D r 0 E E 0 U O w 0 c 0 0 CL m a r c m E E 0 U t I r 3 I c m a c I 0 r 0 Q I O U) r c m E t m r r Q Packet Pg. 18 B.1.a State of Florida Action Plan for ReeoVery FIGURE 2: HURRICANE IRMA SUSTAINED WINDS IN SOUTHCENTRAL, SOUTHWEST AND WEST FLORIDA r.- - -; hurricane Irma 57 4 'Mind Gusts `°`, (Greater than 50 mph) 611 ? 748 82 cow 6290 Gil C►9 78 59." I � 64 , 62.51 1.4 79 711 *7 66 77 766 f 67 L (07 67 55 N« 76 968 � kit 63 R! 61:1 to . 1 69 4 7S i 69-57 8 76 -`81 79 ay..Ma I py,}yy� 74 If 9 71' S-1 89 ,. 75 91 E { O �.J � V r 65 1 3 N c 0 r LL O U) 3 National Weather Service Tampa Bay bureau (Ruskin, Florida) — https:// twitter. com/ NWSTampaBay /status/907387005285400576 111 Page r c m E m r DRAFT for Public Comment April 20, 2018 Q Packet Pg. 19 B.1.a State of Florida Action Plan for Recotlery FIGURE 3: HURRICANE IRMA SUSTAINED WINDS IN NORTHCENTRAL FLORIDA AND SOUTH GEORGIA'. Peak measured wind gusts on 11 Sep 17 CNIPH1 A1oody AFB, GA 63 Valdosta Airport, GA 56 Cross City Airport, FL 56 Tallahassee Airport, FL 55 Dothan Airport. AL 55 14oultrie Airport, GA 54 1 S Adel_ GA 53 Shell Point, FL 51 Tifton Airport. GA 51 Thomm ille, GA 51 Saint George Island, FL 50 Ozark, AL 49 Keaton Beach, FL 48 Apalachicola Aiipoil, FL 48 Fitzgerald. GA 47 ti'iartanal Airport, FL 46 1 4VN'W Blue Momitain Beach, FL 46 Bainbridge, GA 46 Panaiva City Airport, FL 45 1 S Panama City, FL 45 TABLE 2: MAXIMUM STORM SURGES FROM HURRICANE IRMA. ' National Weather Service Tallahassee office- https:// twitter. com/ NWSTallahassee /status/907526929519140864 121 Page: DRAFT for Public Comment April 20, 2018 Packet Pg. 20 B.1.a State of Florida Action Plan for Recovery FIGURE 4: HURRICANE IRMA MODELED PRELIMINARY FLOOD OBSERVATIONS IN SOUTH FLORIDA. safasva Charlotte Lee Collier Observation derived'M Storm surge water depths - > 9 ft. 5 -9ft. 3 — 5 ft. 1 — 3 ft. �1ft. +L i Miami Dade Anroe a� E 0 U r . I c m a r- 0 r Q I O U) r c m E t m r 131 Page DRAFT for Public Comment April 20, 2018 Q Packet Pg. 21 B.1.a State of Florida Action Plan for Recovery FIGURE 5: HURRICANE IRMA MODELED ESTIMATED FLOODING AROUND JACKSONVILLE, FL. st _ ± 1YII�t V _ A I ^ fir 1• _7in s• . +� 0 5 10 20 Kilometers to r C d E E O U t r 3 c m a r- 0 r Q LL O U) 141F-ge x M6 Predicted Storm Surge near Jacksonville from the National Hurricane Center I � . 1 - in -10 chance of flooding _ 1 foot or more 3 feet or more 6 feet or more _ 9 feet or more I r c m E t m r DRAFT for Public Comment April 20, 2018 Q Packet Pg. 22 B.1.a State of Florida Action Plan for ReeoVery FIGURE 6: HURRICANE IRMA AND RAINFALL ESTIMATES'. I lk `'>-• � ` ,�� ; rte ;�s`.;a�'1:` ' �J r rksonville .� Ta a F , t` - Y s � I rr 3 ��T1 Blake Plate a u It O 100 km 117Q MV en A major disaster declaration was issued for Hurricane Irma on September 10, 2017. The declaration for FEMA 4337 (Irma) included the following counties listed in Table 3 (and shown in Figure 7). Of these areas, HUD further identified those most impacted and distressed counties and zip codes across the disaster area (Figure 8). Included in these areas are Brevard, Broward, Collier, Dade, Duval, Miami -Dade, Monroe, Orange, Polk and Volusia counties and four separate zip codes outside of these areas (32136 in Flagler county, 32091 and 32068 in Bradford and Clay counties and 34266 in Desoto county). ' National Weather Service 151 Page DRAFT for Public Comment April 20, 2018 N r C d E E 0 U I r 3 I c m a c I 0 r Q I u_ O U) r c m E t m r Q Packet Pg. 23 B.1.a State of Florida Action Plan for Recovery TABLE 3: DECLARED COUNTY LIST FOR PRESIDENTIAL DISASTER DECLARATIONS 4337 (HURRICANE IRMA) Individual and Public Assistance Individual and Public Assistance Individual and Public Assistance Individual and Public Assistance Individual and Public Assistance Individual and Public Assistance Individual and Public Assistance Individual and Public Assistance Individual and Public Assistance Individual and Public Assistance Individual and Public Assistance Individual and Public Assistance Individual and Public Assistance Individual and Public Assistance Individual and Public Assistance Individual and Public Assistance Individual and Public Assistance Individual and Public Assistance Individual and Public Assistance Individual and Public Assistance Individual and Public Assistance I https: / /www.fema.gov /disaster /4337 161 Individual and Public Assistance L j Individual and Public Assistance > 0 Individual and Public Assistance 0 a� Individual and Public Assistance r 0 Individual and Public Assistance m Individual and Public Assistance , Individual and Public Assistance _o m r c m Individual and Public Assistance a 0 Individual and Public Assistance m m 0 Individual and Public Assistance 0 E Individual and Public Assistance E U Individual and Public Assistance !D O w 0 Individual and Public Assistance r- 0 Individual and Public Assistance 0a W a Public Assistance Only y r c W Public Assistance Only E 0 Public Assistance Only U r 3:I Public Assistance Only m Public Assistance Only a 0 1 0 Public Assistance Only r Q I u_ Public Assistance Only y r c W E t m r DRAFT for Public Comment April 20, 2018 Q Packet Pg. 24 B.1.a State of Florida Action Plan for Recovery Public Assistance Only Public Assistance Only Public Assistance Only Public Assistance Only 17 1 P a g e DRAFT for Public Comment April 20, 2018 Packet Pg. 25 B.1.a State of Florida Action Plan forDisaster Recovery FIGURE 7: DECLARED COUNTIES FOR PRESIDENTIAL DISASTER DECLARATIONS 4337 (HURRICANE IRMA). f� ass ti Duval 1 1 fniofa ' Clay ~ 3ti'+�dfor�J Si- JaFegs Iachua iputnaml' -` Levy Marion ' t•. I ' s• - - - -- •• Wolusiaw Ci Lake _ = - .,•.._ umtdr I $eminol� t 1 Fernanr I i j Orange t Pasco — 1 • L.Osoeola 4' { C µ�horaµghPolk r Piet -- Irr,an River ''Manatee :Hardee; Okeg chohee Ighlan it Lud d rasofall y r —` i Martin 1 ... . ... J._�. fj , I Hendry j Palm Beach Individual and Public Assistance L- -- --- -- - — Public Assistance Only Lee; - -.- f Collier Broward 1 M roe 4 iami -Da 181 Piage DRAFT for Public Comment April 20, 2018 Packet Pg. 26 B.1.a State of Florida Action Plan for ReeoVery FIGURE 8: HUD INITIAL ASSESSMENT OF MOST IMPACTED COUNTIES AND ZIP CODES. a _--4., Omni �1 W©lusis Lee 'Lee Lee �--� Lee Collier Braward k' HUD Most Impacted ZIPS mon r oeMiamk HUD Most Impacted Counties Demographic Profile of the Impacted Area Table 4 profiles socio- economics and demographics across Florida's Hurricane Irma impacted counties. Most of Florida's 20 million people (92 percent) reside in the impacted area covered in this assessment. The population characteristics of those impacted differs in a few notable ways from the overall state population. First, the areas impacted by these hurricanes have a greater percentage of older residents (23 percent) per county than the entire state of Florida. These impacted counties also have more occupied housing units, more people with disabilities, lower median and per capita incomes and more people living in poverty than the state as whole. Poverty is an indicator of places that might see greater impacts from disasters because of a general lack of ability to prepare for shocks and stresses. 191 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 27 B.1.a State of Florida Action Plan for ReeoVery TABLE 4: DEMOGRAPHIC PROFILE INFORMATION — AMERICAN COMMUNITY SURVEY DATA, 2016 RELEASE. Population estimates, July 1, 2016, (V2016) Persons under 5 years, percent, July 1, 2016, (V2016) Persons 65 years and over, percent, July 1, 2016, (V2016) White alone, percent, July 1, 2016, (V2016) Population 19,098,534 Age and Sex 5.13% 22.76% Race and Hispanic Origin 82.86% Black or African American alone, percent, July 1, 2016, (V2016) American Indian and Alaska Native alone, percent, July 1, 2016, (V2016) Asian alone, percent, July 1, 2016, (V2016) Native Hawaiian and Other Pacific Islander alone, percent, July 1, 2016, (V2016) Two or More Races, percent, July 1, 2016, (V2016) Hispanic or Latino, percent, July 1, 2016, 17.13% (V2016) Population Characteristics 1,321,223 11.69 Housing Housing units, July 1, 2016, (V2016) 8,585,434 Owner - occupied housing unit rate, 2012 -2016 70.95% Median value of owner - occupied housing units, 2012 -2016 $148,596 Veterans, 2012 -2016 Foreign born persons, percent, 2012 -2016 12.54% 0.70% 1.93% 0.12% 1.86% Median gross rent, 2012 -2016 $900 Building permits, 2016 107,885 https: / /www. census. gov /quickfacts /fact /table /US /PST045216 201 Page 20,612,439 5.50% 19.90% 77.60% 16.80 0.50% 2.90% 0.10 2.10 24.90% 1,480,133 m W 19.90% r c m E E 9,301,642 U t 64.80% 3 c $166,800 a c $1,032 Q 116,240 0 U) r c m E t m r DRAFT for Public Comment April 20, 2018 Q Packet Pg. 28 B.1.a State of Florida Action Plan for Recovery Households, 2012 -2016 6,837,763 7,393,262 Persons per household, 2012 -2016 2.64 2.64 Language other than English spoken at home, percent of persons age 5 years +, 2012 -16 18.16% 28.30% Education High school graduate or higher, percent of 84.70% 87.20% persons age 25 years +, 2012 -2016 Bachelor's degree or higher, percent of persons 21.95% 27.90% age 25 years +, 2012 -2016 Health With a disability, under age 65 years, percent, 10.54% 8.60 2012 -2016 Persons without health insurance, under age 16.71% ° 15.30/ 65 years, percent Economy In civilian labor force, total, percent of population age 16 years +, 2012 -2016 51.98% ° 58.50/ Median household income (in 2016 dollars), $46,124 $48,900 2012 -2016 Per capita income in past 12 months (in 2016 $25,343 $27,598 dollars), 2012 -2016 Persons in poverty, percent 16.24% 14.70% Impact on Low - and - Moderate - Income Populations All projects supported by HUD Community Development Block Grant (CDBG) assistance must meet one of the program's three National Objectives: (1) benefiting low -and moderate- income (LMI) persons, (2) aiding in the prevention or elimination of slums or blight, or (3) meeting a need having particular urgency (urgent need).' Low- to moderate- income households are defined as households that do not exceed 80 percent of the median income for their a as determined by HUD. These income categories are grouped into the following classifications: � 8 These National Objective definitions and corresponding language are set by HUD regulation. 9 The term "Low- and - Moderate Income" is defined in the Housing and Community Development Act of 1974 as: The terms "persons of low and moderate income" and "low- and moderate - income persons" mean families and individuals whose incomes do not exceed 80 percent of the median income of the area involved, as determined by the Secretary with adjustments for smaller and larger families. The term "persons of low income" means families and individuals whose incomes do not exceed 50 percent of the median income of the area involved, as determined by the Secretary with adjustments for smaller and larger families. The term "persons of moderate income" means families and individuals whose incomes exceed 50 percent, but do not exceed 80 percent, of the median income of the area involved, as determined by the Secretary with adjustments for smaller and larger families. 21 P a g e DRAFT for Public Comment April 20, 2018 Packet Pg. 29 B.1.a Page: 21 — Number: 1 Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 1:34:41 PM 2018 Income Limits have been published by HUD. Given the State has 6 years to complete the programs under CDBG -DR, would it be good to indicate new income limits published each year will be required. F- ILL D D t7 m D U _ a> 0 v d a> r cc 2 D C (7 L) 0 CO T C d E CL 0 d d D r C 0 E E 0 U O LU 0 C 0 0 CL m a r C (D E E 0 U t I r 3 I C M CL C I 0 r Q I O U) r C m E m r r Q Packet Pg. 30 B.1.a State of Florida Action Plan for Recovery • Very low income: has an annual income at 30 percent or below the area median income, • Low income: has an annual income at 31 to 50 percent of the area median income, and • Moderate income: has an annual income at 51 to 80 percent of the area median income. For the purpose of CDBG- Disaster Recovery programs, grantees must meet specific criteria and agree to terminology consistent with the original language of the Housing Act and reporting designations in the HUD Disaster Recovery Grant Reporting (DRGR) system. i0 Please refer to Appendix 1: HUD Income Limits for income categories in the declared counties. Every impacted county has areas that meets HUD's 51 percent LMI threshold criteria, but some counties have much larger LMI populations than others. Table 5 below illustrates the count of block groups and sum of populations by low -to- moderate income levels within impacted counties. What becomes clear when looking at the number of people who have low -to- moderate income is that every county has multiple areas (block groups) characterized by very low- income levels. When block group populations are examined, additional LMI concentrations within each county become apparent, as illustrated in Figure 9 through Figure 22 below. These figures show counties and zip codes designated as "most impacted" by HUD's initial assessment of FEMA loss data. See Appendix 2 for LMI Maps for Individual Assistance (IA) designated counties — detailing block group level LMI information for every presidentially declared county. TABLE 5: LMI POPULATION COUNTS BY BLOCK GROUP AND COUNTY FOR IRMA IMPACTED COUNTIES 84 36,570 39 32,995 32 38,880 9 6,500 3 2,355 15 7,280 3 2,060 239 124,655 66 55,205 13 12,430 530 301,035 301 337,725 109 144,730 91 42,185 16 13,230 1 785 78 39,680 9 8,495 1 740 71 43,605 10 10,540 130 60,935 48 56,340 15 18,805 33 18,330 6 3,875 1 795 16 6,360 7 6,010 3 2,170 i0 HUD Program Income Limits are published annually for use across all HUD funded program and contain incongruous terminology to the Housing Act. Terminology published in the annual income limits is applied to other HUD funded formula allocation programs to support individual income group targets within the LMI category: https: / /www.huduser.gov /portal /datasets /il.html 11 https: / /www.hudexchange. info /programs/ acs -low- mod - summary- data / acs -low- mod - summary- data - block - groups- places/ 221 Page DRAFT for Public CommentApri120, 2018 Packet Pg. 31 B.1.a State of Florida Action Plan for ReeoVery 8 3,450 4 3,045 1 240 309 174,210 131 116,280 50 46,705 41 22,080 11 14,000 7 3,150 6 4,815 9 2,480 2 1,840 11 3,510 8 6,725 1 1,385 14 5,755 11 10,850 74 43,545 31 24,500 2 1,050 52 23,315 23 14,440 4 2,760 590 220,115 223 162,995 68 62,740 69 31,560 19 16,970 5 4,665 5 2,265 1 1,040 88 65,640 54 46,305 6 5,310 366 133,379 105 71,890 43 33,320 23 12,800 6 4,050 126 62,360 54 41,050 28 36,835 142 83,610 27 23,225 6 5,640 72 29,855 20 15,120 2 2,525 833 382,809 473 481,015 288 352,200 46 12,800 25 15,455 5 6,505 34 19,940 5 3,775 1 470 20 8,275 8 7,880 240 221,340 108 200,260 27 41,685 40 57,520 28 50,780 8 9,685 504 229,305 248 218,540 134 152,300 204 96,330 89 67,870 15 14,245 533 206,415 152 104,430 36 27,130 242 135,695 77 66,955 12 11,405 42 17,685 17 12,460 2 2,120 180 97,210 61 46,010 11 10,325 194 93,675 31 29,800 10 9,850 69 36,065 12 12,595 1 1,150 95 75,350 32 24,805 14 12,735 27 15,910 14 11,525 20 10,780 5 3,575 1 935 7 3,625 2 1,740 204 114,020 68 60,830 17 12,625 231 Page DRAFT for Public Comment April 20, 2018 r c m E E 0 U t 3 c m a i r- 0 r Q O U) r c m E t m r Q Packet Pg. 32 B.1.a State of Florida Action Plan for Recovery Volusia Lee 1 Hendry Collier Miami -Dade Indian 1tffer Brevard County Low - Mod ( <80% AMI) - % Low -Mod Income ,7s% 51 % - 74.99% Populations FIGURE 9: LOW -TO- MODERATE INCOME BY BLOCK GROUP FOR HUD IDENTIFIED MOST IMPACTED AREA— BREVARD COUNTY. FIGURE 10: LOW -TO- MODERATE INCOME BY BLOCK GROUP FOR HUD IDENTIFIED MOST IMPACTED AREA— BROWARD COUNTY. 24 1 "W Monroe Low - Mod ( <80% AMI) Collier County >75% % Low -Mod Income - 51 ° /n- 74.99% Populations - <51% FIGURE 11: LOW -TO- MODERATE INCOME BY BLOCK GROUP FOR HUD IDENTIFIED MOST IMPACTED AREA — COLLIER COUNTY. Nassau �' E E O U t r 3 c m low a mw&r741�� St. Johns C Low - Mod ( <80% AMI) O Duval County � Q % Low -Mod Income >75% 51%-74.99% LL Populations 51% O r FIGURE 12: LOW -TO- MODERATE INCOME BY BLOCK GROUP FOR G HUD IDENTIFIED MOST IMPACTED AREA— DUVAL COUNTY. t U cts r DRAFT for Public CommentApri120, 2018 Q Packet Pg. 33 B.1.a State of Florida Action Plan forDisaster Recovery FIGURE 13: LOW -TO- MODERATE INCOME BY BLOCK GROUP FOR HUD IDENTIFIED MOST IMPACTED AREA— LEE COUNTY. Collier v 0 4 Monroe County % Low -Mod Income Populations Low - Mod ( <80% AMI) - 751 51% - 74.99% < 51% FIGURE 15: LOW -TO- MODERATE INCOME BY BLOCK GROUP FOR HUD IDENTIFIED MOST IMPACTED AREA— MONROE COUNTY. Lake P Brevard WL ti` WA Miami Dade County Low - Mod ( <80% AMI) � , 75% % Low -Mod Income 51 %- 74.99% Populations ®r51% FIGURE 14: LOW -TO- MODERATE INCOME BY BLOCK GROUP FOR HUD IDENTIFIED MOST IMPACTED AREA— MIAMI -DADE COUNTY. 25 Low - Mod ( <80% AMI) Orange County = >75% % Low -Mod Income 51 %- 74.99% Populations c51% FIGURE 16: LOW -TO- MODERATE INCOME BY BLOCK GROUP FOR HUD IDENTIFIED MOST IMPACTED AREA— ORANGE COUNTY. DRAFT for Public Comment April 20, 2018 Packet Pg. 34 Low - Mod ( <80% AMI) Lee County � % Low -Mod Income , 75% _ 51 % - 74.99% Populations WWII , 51% B.1.a State of Florida Action Plan forDisaster Recovery Lake ti 32466 Polk Polk County Low - Mod ( <80% AMI) � , 7s% % Low -Mod Income 17 .99% Populations <51% FIGURE 17: LOW -TO- MODERATE INCOME BY BLOCK GROUP FOR HUD IDENTIFIED MOST IMPACTED AREA- POLK COUNTY. 00-do Tampa Esr�. HERE. DeLOnng4iami Mlgp vinda, OpenStreelMap ["b.[ Low - Mod ( <80% AMI) Zip Code 32068 , 75% % Low -Mod Income _ 51 %- 74.99% Populations <51% FIGURE 19: LOW -TO- MODERATE INCOME BY BLOCK GROUP FOR HUD IDENTIFIED MOST IMPACTED AREA - ZIP CODE 32068. 32091 Lake Seminole Volusia County Low - Mod ( <80% AMI) � , 75% % Low -Mod Income 51 %- 74.99% Populations � 51% FIGURE 18: LOW -TO- MODERATE INCOME BY BLOCK GROUP FOR HUD IDENTIFIED MOST IMPACTED AREA - VOLUSIA COUNTY. 261 Page Ja onvilde N a+ Oda.& Tampa E E Esrl, HERE. C1eLnrm�.. Nlapmylnd:a, CEO OpenStreetMap oonhI ul_ rs I Low - Mod ( <80% AMI) a+ 3 1 Zip Code 32091 > 75% % Low -Mod Income 51 %- 74.99% Populations M, 51% al c 0 FIGURE 20: LOW -TO- MODERATE INCOME BY BLOCK GROUP FOR v HUD IDENTIFIED MOST IMPACTED AREA -ZIP CODE 32091. a l U_ O U) r c m E t m DRAFT for Public Comment April 20, 2018 r Q Packet Pg. 35 B.1.a State of Florida Action Plan for RecoVery fl,nd' i„n Esri. HERE. CaLormE.j M,pmylnd a, C Op- SI —tMap cooli bkom. c Iaa c.nrdR Tan`; B, HERE. CeLOrmz,liainc Mapmylnd a, fH Ope StreelMap u Zip Code 32136 % Low -Mod Income Populations Low - Mod ( <80% AMI) - >75% 51% - 74.99% _ =51% FIGURE 21: LOW -TO- MODERATE INCOME BY BLOCK GROUP FOR HUD IDENTIFIED MOST IMPACTED AREA — ZIP CODE 32136. 7 ] Low - Mod (<80% AMI) Zip Code 34266 175% % Low -Mod Income 51 %- 74.99% Populations '51% FIGURE 22: LOW -TO- MODERATE INCOME BY BLOCK GROUP FOR HUD IDENTIFIED MOST IMPACTED AREA — ZIP CODE 34266 Impacton Special Needs Populations Individuals without access and with functional needs will require assistance with accessing and /or receiving disaster resources. These individuals could be children, older adults, pregnant women, individuals from diverse cultures, transportation disadvantaged, the homeless, individuals with chronic medical disorders and /or a pharmacological dependency. These individuals could also have disabilities, live in institutions, have limited English proficiency or may be non - English speaking. Specialized resources may include, but are not limited to public or private social services, accommodations, information, transportation or medications to maintain health. Regardless of the nature of the need, care must be taken to ensure that all individuals are able to access disaster recovery resources. According to U.S. Census data, more than 18 percent of the population in the impacted counties speaks a language other than English at home and has limited English comprehension levels. Many counties throughout central and south Florida have non - English speaking population percentages well over 30 percent. Residents in these places, where a high percentage of the population speak different languages and English comprehension skills are limited, might require special attention in identification of and recruitment of program participants. 12 Outreach to those eligible for assistance will require consideration of the language needs of these populations (see the sections on Outreach and Citizen Participation for more information). 12 Source: U.S. Census Bureau, 2011 -2015 American Community Survey 5 -Year Estimates, Table 16001. County -level percent calculations by the Florida Department of Revenue and Fiscal Affairs - Health and Demographics Section. 271 Page DRAFT for Public CommentApri120, 2018 r c m E E 0 U I r 3 I c m a I c 0 r Q I O U) r c m E t m r Q Packet Pg. 36 B.1.a State of Florida Action Plan for - Disaster Recovery The map below shows concentrations of limited English by census tract (Figure 23). FIGURE 23: PERCENT OF TRACT NON - ENGLISH - SPEAKING POPULATION. t Percent of Population { - 'jj +` Speaking English not well or at all - > 50 % 30 % - 50 % 15% - 30% 5%-15% t5% IA and PA Assistance Populations over the age of 65 or households with children under the age of five increase vulnerability. The map below (Figure 24) shows concentrations of households with elderly and young populations, by census tract. Concentrations of these age- dependent populations are noticeable in Citrus, Hernando, Indian River, Pasco and Volusia counties, in particular, as well as areas north and east of Lake Okeechobee and across Monroe County. 281Pa, ge DRAFT for Public Comment April 20, 2018 E E 0 U I 3 I c m a c I 0 r Q I u_ O r c m E m r Q Packet Pg. 37 B.1.a State of Florida Action Plan for Recovery FIGURE 24: AGE DEPENDENT (< 5 YEARS OR > 65 YEARS) POPULATIONS BY TRACT. Percent of Population Age under 5 or over 65 M > 55% _ 40% - 55% M 25% - 40% M 10% - 25% 10% IA and PA Assistance Additionally, the map below (Figure 25) shows relative concentrations of poverty across a majority of south central r Florida and through the center of the state up to Jacksonville, followed by a map of larger concentrations of m unemployment across the region (Figure 26). Another population of note, those living in mobile homes (Figure 27), is E E widespread across the state. Nearly 10 percent of the nation's mobile homes are located in Florida. This vulnerable U subgroup should be monitored during recovery to ensure property mitigation and remediation are occurring on these r fragile homes. 3 c m a r- 0 r r c m E m r 29 1 P a, g e DRAFT for Public Comment April 20, 2018 Q Packet Pg. 38 B.1.a State of Florida Action Plan for ReeoVery FIGURE 25: PERCENT OF POPULATION LIVING BELOW POVERTY LINE BY TRACT. Percent of Population Unemployed - > 45% _ 35% - 45% 25% - 35% 15%-25% < 15% IA and PAAssistance FIGURE 26: PERCENT UNEMPLOYMENT BY TRACT. 30 1 r= 01 -7 :. A Percent of Housing., Mobile home - >45% E 15% 0 30% Percent of Population ' Living below poverty line =' IA and PAAssistance > 40% 30%-40% 20%-30% "v 10%-20% < 10% IA and PA Assistance" FIGURE 25: PERCENT OF POPULATION LIVING BELOW POVERTY LINE BY TRACT. Percent of Population Unemployed - > 45% _ 35% - 45% 25% - 35% 15%-25% < 15% IA and PAAssistance FIGURE 26: PERCENT UNEMPLOYMENT BY TRACT. 30 1 FIGURE 27: PERCENT MOBILE HOME POPULATIONS BY TRACT to C d E O U t r 3 c m (L r- 0 r Q LL O U) r c m E t m r DRAFT for Public Comment April 20, 2018 Q Packet Pg. 39 r= 01 -7 :. Percent of Housing., Mobile home - >45% E 15% 0 30% 1,Ww bi <5% IA and PAAssistance ,. FIGURE 27: PERCENT MOBILE HOME POPULATIONS BY TRACT to C d E O U t r 3 c m (L r- 0 r Q LL O U) r c m E t m r DRAFT for Public Comment April 20, 2018 Q Packet Pg. 39 B.1.a State of Florida Action Plan for - Disaster ReeoVery Transitional Housing /Homelessness The rain, winds and flooding from Hurricane Irma impacted community members across all walks of life. Table 6 below, shows the homeless population of each of 27 regional Continuum of Care (CoC) areas impacted by the hurricanes. These areas are utilized by the state in collecting homeless data. A comparison between one -day homeless estimates in 2015 and 2016 reveals decreases in both sheltered (4 percent decrease) and unsheltered homelessness (10 percent decrease). Statewide across the 27 CoCs, the estimate of one -day homelessness taken from the annual Point -in -Time count held each January yielded a 7 percent drop in homelessness from 35,900 to 33,466. Seven (7) CoCs showed an increase in homelessness, while 20 CoCs reported decreases in one -day prevalence. This data continues a trend of decreasing homelessness since 2010 in the state of Florida. These are estimates however, because homeless populations continue to be a difficult group to count accurately. TABLE 6: CHANGES IN HOMELESSNESS POPULATION BY STATE CONTINUUM AREA, 2015 -2016. 13 http: / /www.nhipdata.org /local/ upload / file / Florida %20Homeless %2OReport %202016 %20 %2009_30_16 %20 - %20final %20report.pdf 311 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 40 Tallahassee /Leon County CoC Orlando /Orange, Osceola, Seminole Counties CoC Gainesville/ Alachua, Putnam Counties CoC Fort Pierce /St. Lucie, Indian River, Martin Counties CoC Jacksonville - Duval, Clay Counties CoC Saint Johns County CoC Palm Bay /Melbourne/ Brevard County CoC Ocala /Marion County CoC Hendry, Hardee, Highlands Counties CoC Columbia, Hamilton, Lafayette, Suwannee Counties CoC a a a U Ln a to N W G/ Ln N ��, G/ L a N N CoC Name *' r' o °/ o E & rt °1 o a °1 r' 0 + + r' 0 °' o °' *' r' °' o a a 0 o y °' — ' 0 0 °/ 0°/0 H N G/ N N H N G/ N N H N r N @ Gl 2 N 2 ? 2 2 N 2 ? 2 O N N t t U U Tallahassee /Leon County CoC Orlando /Orange, Osceola, Seminole Counties CoC Gainesville/ Alachua, Putnam Counties CoC Fort Pierce /St. Lucie, Indian River, Martin Counties CoC Jacksonville - Duval, Clay Counties CoC Saint Johns County CoC Palm Bay /Melbourne/ Brevard County CoC Ocala /Marion County CoC Hendry, Hardee, Highlands Counties CoC Columbia, Hamilton, Lafayette, Suwannee Counties CoC B.1.a State of Florida Action Plan for ReeoVery 33 1 P age DRAFT for Public Comment April 20, 2018 Packet Pg. 42 B.1.a State of Florida Action Plan for ReeoVery Emergency Shelters Emergency sheltering for Hurricane Irma was moderate with 443,000 people seeking emergency shelter at Red Cross shelter facilities. 14 The American Red Cross reported nearly 700 shelters open across the state, staying open for days and sheltering thousands of people (Table 7). The massive evacuation ordered for coastal Florida in the days preceding Irma resulted in residents seeking shelter in hotels, motels, homes of friends and families, as well as public shelters across the state. Table 7 shows the locations of open shelters and the maximum number of people sheltered within each county during Irma's emergency period. 14 Red Cross data provided by FDEM 341 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 43 TABLE 7: SHELTER OCCUPANCY BY COUNTY FOR HURRICANE IRMA. B.1.a State of Florida Action Plan for ReeoVery Hurricane Maria Evacuees to Florida 17 9,927 374 125 42 I Hurricane Maria's impact on Puerto Rico left a majority of the island without power and destroyed much of the infrastructure including schools, homes and critical facilities. As a result, populations of evacuees headed to Florida and other states to find schools, jobs and safe living quarters. According to Florida's State Emergency Response Team (SERT) since October 3, 2017, more than 313,000 individuals have arrived in Florida from Puerto Rico. Estimates of evacuees from Puerto Rico to Florida were generated by FDEM operations at airports by the Florida Department of Education (Table 8) and by FEMA Transitional Sheltering Assistance Program. As of February 2018, 3,600 Maria evacuees still reside in hotel across the country with many of those receiving assistance in Florida. Utilizing true counts of student populations to extrapolate the number of people residing in Florida produces an estimated population of nearly 60,000 evacuees in the state (Table 9). Evacuee populations are higher in central Florida, including Orange, Osceola, Polk and Hillsborough, where more than 50 percent of the estimated total are approximated to be residing. These evacuee populations may lead a decreased number of affordable housing units, decreased availability of public resources and strains on local and regional response and recovery resources. TABLE 8: ESTIMATED NUMBER OF MARIA EVACUEES ENROLLED IN FLORIDA SCHOOLS, BY COUNTY. 351 Page 209,270 10,324 4.9 36,143 2,590 7.2 12/05/2017 19,991 1,960 9.8 12/05/2017 19,010 788 4.1 12/05/2017 15,940 642 4 12/05/2017 10,467 700 6.7 12/05/2017 DRAFT for Public Comment April 20, 2018 Packet Pg. 44 Estimated Number of Maria Evacuees Enrolled in Florida Schools by County School Districts K -12 Students Post -Maria % Increase Date Gathered (2015) Increase Hillsborough Seminole Palm Beach Florida Virtual School Volusia Esti Categories �ts Data Total Population in Puerto Rico Total ages 3 - 17 Enrolled in Puerto Rico Total Households in Puerto Rico School Kids per household in Puerto Rico People per household in Puerto Rico Total families with children in PR Percent of families with school aged children in PR Percent of families without school children in PR Total Kids from Puerto Rico Enrolled in Florida Schools Estimate of households with kids in school in Florida Estimate of school family population Estimate of total evacuee households in Florida Estimate of total evacuee population in Florida B.1.a State of Florida Action Plan for ReeoVery Section 3: Unmet Needs Assessment Understanding where impacts and unmet needs remain following Hurricane Irma requires analysis of various datasets pertaining to each of the three sectors; housing, infrastructure, and economy. In some instances, data on impacts and support can be collected from open source federal datasets and in others, close collaboration with states and locals is required to ensure appropriate data is used. Data gathered and analyzed in the assessment of impacts and unmet needs is listed in Table 10 below. TABLE 10: DATA SOURCES USED IN THE ASSESSMENT OF IMPACTS AND UNMET NEEDS. Housing FEMA Housing Assistance - Owners Open FEMA Dataset 01/20/2018 FEMA Housing Assistance - Renters Open FEMA Dataset 01/20/2018 FEMA FIDA Applicant Report FEMA Regional Office 12/22/2017 SBA Home Applicant Report Small Business Administration 02/11/2018 Florida Irma Flood Claims National Flood Insurance Program 11/30/2017 SBA Business Applicant Report Small Business Administration 02/11/2018 Infrastructure PA Project Worksheet Summary Florida Department of Emergency TBD Management PA Project Worksheet Summary - Irma Florida Department of Emergency TBD Management Public Assistance Funded Project Details Open FEMA Dataset 01/20/2018 Economy SBA Business Applicant Report Small Business Administration 02/11/2018 37 1 _, r � ( DRAFT for Public Comment April 20, 2018 Packet Pg. 46 B.1.a State of Florida Action Plan for ReeoVery Summary of Impacts and Unmet Needs Analysis of available datasets indicates that residual need from Hurricane Irma can be found across housing, infrastructure and economic sectors. Estimated total impacts (Table 11) from these storms is about $17.4 billion across the three sectors and total estimated unmet needs top $10.9 billion. Evidence (discussed in greater detail below) indicates that the housing sector has the most remaining unmet need (62.51 percent), followed by the economy (33.95 percent) and infrastructure (3.54 percent), indicating that any program focused on housing recovery will have a high impact on overall recovery across the state (Figure 28 and Table 11). FIGURE 28: BREAKDOWN OF IMPACTS, SUPPORT AND UNMET NEED BY RECOVERY CATEGORY. .Summary of Impact and Unmet Needs s� 0 = 5 E 57 $6 $5 $4 $3 52 5'1 $M Hou si rig Infrastructure Economy ■Amountof Est imatedImpact 0 Amount of Funds Available Unmet Needs TABLE 11: ESTIMATED IMPACT, SUPPORT AND UNMET NEEDS. -• Impact $8,547,356,706 $4,274,430,191 $4,531,186,545 $17,352,973,442 xailable $1,706,211,312 $3,886,914,370 $814,906,921 $6,408,032,603 $6,84 $387,515,822 $3,716,279,624 $10,944,940,840 A T = 381 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 47 B.1.a State of Florida Action Plan for ReeoVery Housing Impact Table 12 below shows the FEMA Real Property Verified Loss (RPFVL) determinations in the Florida Individual Assistance (IA) declared counties. FEMA Real Property Verified Losses are those losses to real property (physical structures) identified by FEMA upon inspection. As noted in Table 12, each county has a different number of homes inspected by FEMA. In some instances, inspection rates or the number of applicant homes visited by FEMA were less than 50 percent. TABLE 12: FEMA IA APPLICANTS IN THE HURRICANE IRMA IA IMPACTED COUNTIES 9,233 1,263 13.68% 558 44.18% 2593 $1,674,007 $479 m 1693 414 24.45% 273 65.94% 482 $659,703 $611 m • 2158 561 26.00% 292 52.05% 615 $1,205,229 $688 a • 32,993 4,373 13.25% 2,838 64.90% 6458 $9,540,450 $1,742 .2 • 122,766 15,593 12.70% 7,479 47.96% 29340 $14,146,651 $264 0 7791 1197 15.36% 601 50.21% 2006 $1,584,170 $563 r 8340 964 11.56% 520 53.94% 2373 $898,867 $253 9108 1393 15.29% 884 63.46% 2183 $5,983,929 $653 E E 37613 5979 15.90% 3,747 62.67% 9447 $11,993,903 $1,374 fla 3922 404 10.30% 161 39.85% 1072 $391,758 $466 O 4 2359 677 28.70% 482 71.20% 732 $1,682,032 $409 Lu 1275 264 20.71% 192 72.73% 362 $271,142 $299 0 42,176 5921 14.04% 3,263 55.11% 11287 $11,958,256 $638 c 5131 752 14.66% 427 56.78% 1133 $2,632,468 $1,134 W 960 128 13.33% 48 37.50% 219 $93,786 $346 y 1180 393 33.31% 265 67.43% 267 $536,707 $646 r 0 2,379 651 27.36% 497 76.34% 619 $1,492,439 $487 E E 4791 1362 28.43% 801 58.81% 1203 $1,492,963 $469 0 • • 8,670 1,122 12.94% 602 53.65% 2,272 $1,532,894 $528 rI .i ds 14273 3073 21.53% 2,000 65.08% 3077 $3,945,757 $419 31 r ough 46500 5017 10.79% 2,287 45.59% 11839 $5,394,589 $485 River 5730 1146 20.00% 696 60.73% 1340 $1,520,096 $425 a 616 73 11.85% 27 36.99% 200 $32,816 $206 �I 2 21194 2574 12.14% 1,521 59.09% 4296 $2,746,961 $365 aI 61368 11636 18.96% 6,857 58.93% 16007 $16,963,748 $494 O 1 1 100.00% 0 0.00% 0 $0 $0 r c m t is https: / /www.fema.gov /api/ open /v1 /HousingAssistanceOwners.csv U m 39 1 P a g e DRAFT for Public Comment April 20, 2018 r Q Packet Pg. 48 B.1.a State of Florida Action Plan for ReeoVery 401 = 31 g 2584 317 12.27% 146 46.06% 1 736 $163,140 $173 14111 1704 12.08% 821 48.18% 3339 $1,493,204 $325 25574 2221 8.68% 1,253 56.42% 7616 $3,014,044 $462 4257 835 19.61% 366 43.83% 923 $623,278 $295 213532 29657 13.89% 16,134 54.40% 55673 $30,356,886 $315 1 18808 7115 37.83% 4,467 62.78% 685U $38,704,370 $2,313 3992 628 15.73% 368 58.60% N 1055 $1,181,186 $765 3245 1000 30.82% 627 62.70% 1 684 $1,321,601 $1,037 63796 8898 13.95% 4,864 54.66% N 14449 $9,598,248 $290 18100 2522 13.93% 1,680 66.61% 1 2615 $3,839,746 $309 66049 6287 9.52% 2,952 46.95% 16883 $5,264,168 $197 23312 2344 10.05% 1,243 53.03% 5523 $2,744,093 $384 67635 7638 11.29% 3,367 44.08% 19199 $4,457,544 $272 53051 8420 15.87% 5,355 63.60% 12695 $12,461,126 $390 8280 1387 16.75% 868 62.58% 2272 $1,961,535 $603 16055 1529 9.52% 649 42.45% 4177 $1,203,818 $357 26121 2428 9.30% 1,312 54.04% 6315 $3,327,010 $336 7365 1034 14.04% 667 64.51% 1963 $2,812,870 $1,040 17128 2343 13.68% 1,404 59.92% 3064 $3,651,879 $422 4249 848 19.96% 488 57.55% 1 1132 $1,004,397 $439 2918 479 16.42% 247 51.57% 912 $390,998 $280 718 204 28.41% 116 56.86% 162 $178,447 $1,076 30286 2638 8.71% 1,512 57.32% 7566 $4,624,894 $677 DRAFT for Public Comment April 20, 2018 c m E 0 U t I r 3 I c m a r- 0 r Q I O U) r c m E t m r Q Packet Pg. 49 B.1.a — Number: 1 Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 1:36:51 PM This number seems odd. If 4,467 IA applicants had inspected damage, how did 6850 receive repair assistance? F- ILL �a D D m D U_ a> 0 v d a> r cc D C (7 U 0 CO T C d E M 0 d d D r C 0 E E 0 U O w 0 C 0 0 CL m a r C m E E 0 U t I r 3 I C M CL C I 0 r Q I O U) r C m E t m r r Q Packet Pg. 50 B.1.a State of Florida Action Plan for ReeoVery Housing Types Affected More than 2.6 million applicants throughout the state filed for FEMA IA as a result of Hurricane Irma. Of those who specified housing unit type, more than 57 percent live in houses or duplexes, 22 percent live in apartments and nearly 8 percent live in mobile homes (Table 13). TABLE 13: FEMA IA APPLICANTS BY HOUSING TYPE. 585,455 22.18% 0.18% 99.73% 0.09% 2,112 0.08% 0.33% 99.38% 0.28% 2,758 0.10% 76.83% 22.44% 0.73% 761 0.03% 0.13% 98.55% 1.31% 113,398 4.30% 54.24% 45.63% 0.13% 267 0.01% 99.25% 0.75% 1,513,456 57.33% 61.19% 38.69% 0.12% 640 0.02% 0.47% 99.38% 0.16% 202,957 7.69% 65.02% 34.73% 0.25 107,649 4.08% 46.78% 53.15% 0.08 9,944 0.38 % 63.62% 36.01 % 0.37 100,287 3.80% 32.19% 67.22% 0.59% 192 0.01% 42.19% 54.17% 3.65% Single Family Housing values range from millions to below $50,000 in different regions of the state. Higher value homes are concentrated along the coast from Jacksonville through Brevard and into Palm Beach, Broward and Miami Dade counties (Figure 29). However, there are pockets along the entire coast with lower house values, especially in some of the harder hit areas in south central, south east and central Florida. 411uPCge DRAFT for Public Comment April 20, 2018 Packet Pg. 51 Page: 41 Number: 1 Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 1:37:46 PM Is there a possibility of obtaining this information by County? Even if you add it to the Action Plan as an appendix? F- ILL D D t7 m D U _ a> 0 v d a> r cc D c (7 v 0 m r c d E CL 0 d d D r 0 E E 0 U O w 0 c 0 0 CL m a r c m E E 0 U t I r 3 I c m a r- 0 r 0 Q I O U) r c m E M m r r Q Packet Pg. 52 B.1.a State of Florida Action Plan for Recovery FIGURE 29: MEDIAN HOUSE VALUE. There are over 9.6 million housing units across the entire impacted area, most of which are owner - occupied units. However, many of the impacted counties have substantial rental populations for a total of 2.4 million. Renter households may be adversely impacted during disasters due to the focus on repair of single - family homes during disaster recovery. Rental Housing Rental housing is an important component of affordable housing for impacted areas. Many areas in south and central Florida have large rental populations (Figure 30) and many live in older buildings (Table 14). Older building codes and in some cases, the lack of regular maintenance can make these units less desirable. The 421 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 53 B.1.a State of Florida Action Plan for ReeoVery rental vacancy rate in Florida was 20 percent, according to the ACS 2016 five -year estimates. The median rent for the state is $1,032 monthly. FIGURE 30: RENTER POPULATIONS. Percent of Population tl ' Renters - 4 M - 35% - 50 %0 ,h - 25% - 35% ;... - . 15%-25% Wi c 15% IA and PAAssistance 'z Rental units in non -urban counties are primarily single family and mobile home units, with the majority of renters in those unit types as opposed to multi - family complexes. This is due to the rural nature of the communities. Some impacted counties have a substantial percentage of multi - family housing including apartments, townhomes and condos. Areas with more multi - family homes face distinctly different sets of challenges in recovery, including navigating multiple insurance carriers and absentee owners unable /unwilling to commit resources to address shared problems (such as damaged roofs). Based on available data, as well as input from federal and state departments and agencies, local communities, stakeholder groups and citizens, Florida's rental housing needs include: • Rental programs to assist currently displaced low and moderate - income households; 16 ACS 2012 -2016, B25004 - VACANCY STATUS 11 https: / /www. census. gov /quickfacts /fact /table /US /PST045216 431 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 54 B.1.a State of Florida Action Plan for ReeoVery • Rental programs to repair or replace damaged rental units, particularly those that service low -and- moderate income households; • Rental programs that address the unique needs of the influx of Puerto Rican populations; and • Providing gap financing assistance to Irma - impacted workforce rental housing. 943,492 773,660 271,692 72,277 TABLE 15: 2017 HURRICANE IMPACT DATA AS OF MARCH 5, 2018. 1s ACS 2012 -2016, B25127 - VACANCY STATUS 441 Page % of State Damaged 2.58% 18.33 36.21 29.69 10.43 2.77 HO & # Lower Rental Total HO Properties/ Hhds (< # Units # of Total % of Units Units Total Total Level 100.0% 426,951 Rental 3,264 Damaged Non- Impacted with 0.3% Propertie nty by Seasonal by Property Units with s with 0.4% 2,294 0.2% 2,851 Major Hurricane Units in Hurricane Damage 0.5% High Irma County Irma over Structural Damage Damage 0 0.0% E $20,000 O xtal 569,108 8,246,079 6.9% 2,498 3,967 6,465 4,176 113,300 3.7% 19 27 46 874 9,350 9.3% 1 1 2 0 85,645 0.0% 0 0 0 1,125 10,506 10.7% 14 5 19 14,314 251,320 5.7% 87 147 234 60,359 737,063 8.2% 120 284 404 0 5,675 0.0% 0 0 0 3,290 82,732 4.0% 10 15 25 3,703 69,367 5.3% 6 7 13 1s ACS 2012 -2016, B25127 - VACANCY STATUS 441 Page % of State Damaged 2.58% 18.33 36.21 29.69 10.43 2.77 HO & # Lower Rental Income Properties/ Hhds (< Units with $40K) w/ High Damage Damage 0 Level 100.0% 426,951 0.7% 3,264 0.0% 624 0.0% 0 0.3% 847 3.6% 10,555 6.3% 44,650 0.0% 0 0.4% 2,294 0.2% 2,851 Lower Income Units as % of Units Damaged 75.0% 78.2% 71.4% 0.0% 75.3% 73.7% 74.0% 0.0% 69.7% 77.0% Estimated V # of to Hhds in 0 Hurricane County LU Maria as % of 0 Evacuee O Hhds State O Settling in Total t County Q d 21,371 to r 114 0.5% E 0 0.0% E O V 65 0.3% I t r 3 0.0% 3 I C 233 1.1% ctf a 1,356 6.3% C O 1 0.0% r Q I 26 0.1% 0 N 23 0.1% r C d E t v ctl r DRAFT for Public Comment April 20, 2018 Q Packet Pg. 55 TABLE 14: RENTAL UNITS BY YEAR BUILT18. Number: 1 Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 1:39:48 PM The Florida Building Code was improved after 1992, following hurricane Andrew. Is there anyway to break out units after and before that date? t— ILL D D t7 m D U _ a> 0 v d a> r cc D c (7 v 0 m r c d E M 0 d d D r 0 E E 0 U O w 0 c 0 0 CL m a r c m E E 0 U t I r 3 I c m (L c I 0 r 0 Q I O U) r c m E M m r r Q Packet Pg. 56 B.1.a State of Florida Action Plan for ReeoVery 45 1 DRAFT for Public Comment April 20, 2018 Q Packet Pg. 57 % of State Total HO Damaged Estimated U Total # # Units # of Total % of Units Units Total HO & # Lower Lower Hhds in �+ Re Hurricane Damaged Non- Impacted with Propertie Rental Income Income County N by Seasonal by Property Units with s with Properties/ Hhds (< Units as % Maria as % of p Hurricane Units in Hurricane Damage Major High Units with $40K) w/ of Units Evacuee State v d Irma County Irma over Structural Damage High Damage Damaged Hhds Total $20,000 Damage Damage Settling in County N Level N cC 3,643 75,893 4.8% 171 74 245 3.8% 2,268 62.3% 83 0.4% N D 16,689 148,059 11.3% 143 169 312 4.8% 11,268 67.5% 121 0.6% C cC i 1,871 27,523 6.8% 9 13 22 0.3% 1,501 80.2% 13 0.1% V 1,577 12,938 12.2% 19 9 28 0.4% 1,253 79.5% 10 0.0% O F3 636 7,375 8.6% 1 0 1 0.0% 518 81.4% 2 0.0% d 21,814 390,624 5.6% 111 254 365 5.6% 17,269 79.2% 392 1.8% Q 0 133,327 0.0% 0 0 0 0.0% 0 0.0% 40 0.2% _O d d 2,187 41,502 5.3% 16 14 30 0.5% 1,503 68.7% 46 0.2% T r 0 5,566 0.0% 0 0 0 0.0% 0 0.0% 1 0.0% O 7 E 0 19,019 0.0% 0 0 0 0.0% 0 0.0% 1 0.0% E O U 403 6,840 5.9% 1 1 2 0.0% 304 75.4% 2 0.0% to LU 624 4,945 12.6% 6 8 14 0.2% 465 74.5% 1 0.0% W 0 0 6,698 0.0% 0 0 0 0.0% 0 0.0% 1 0.0% r- 0 0 0 5,402 0.0% 0 0 0 0.0% 0 0.0% 1 0.0% O CL d 1,441 8,995 16.0% 21 5 26 0.4% 1,117 77.5% 10 0.0% 2,678 13,319 20.1% 28 25 53 0.8% 2,128 79.5% 3 0.0% d 3,529 79,143 4.5% 14 13 27 0.4% 2,709 76.8% 145 0.7% E E 7,229 46,966 15.4% 44 55 99 1.5% 5,520 76.4% 142 0.7% O U I t 21,685 545,349 4.0% 58 118 176 2.7% 17,105 78.9% 1,729 8.1% 3 0 8,287 0.0% 0 0 0 0.0% 0 0.0% 2 0.0% C I a 2,381 68,072 3.5% 11 18 29 0.4% 1,889 79.3% 30 0.1°% O I O 0 19,918 0.0% 0 0 0 0.0% 0 0.0% 2 0.0% r Q I 0 6,413 0.0% 0 0 0 0.0% 0 0.0% 0 0.070 0 0 N 288 2,789 10.3% 0 1 1 0.0% 209 72.6% 1 0.0% r C d 8,934 133,490 6.7% 29 41 70 1.1% 6,489 72.6% 518 2.4% E t V cC r DRAFT for Public Comment April 20, 2018 Q Packet Pg. 57 B.1.a State of Florida Action Plan for ReeoVery 30,708 10,213 31,989 26,459 4,745 0 6,343 13,503 2,894 6,328 461 Page 591,240 5.2% 43 115 158 212,183 % of State 29 54 83 452,718 7.1% 26 115 141 251,852 10.5% 91 196 287 Estimated U 19 16 35 Total HO Damaged # Units # of Total % of Units Units Total Total HO & # Lower Lower # of Hhds in t r Re n tal 19,466 73.6% 1,508 7.1% Hurricane Damaged Non- Impacted with C Propertie Rental Income Income 0.1% County N by Seasonal by Property Units with s with Properties/ Hhds (< Units as % Maria as % of p Hurricane Units in Hurricane Damage Major High Units with $40K) w/ of Units Evacuee State v d Irma County Irma over Structural Damage High Damage Damaged Hhds Total 85 0.4% I $20,000 Damage Damage LL Settling in i 0 1.5% 8,857 65.6% 717 3.4% County 0.8% 1,978 68.3% 54 0.3% Z.; Level to 1.4% 4,817 76.1% 219 1.0% cC 29,803 289,116 10.3% 116 192 308 4.8% 20,626 69.2% 174 0.8% N D 0 125,814 0.0% 0 0 0 0.0% 0 0.0% 39 0.2% cC i 1,181 17,690 6.7% 2 7 9 0.1% 947 80.2% 17 0.1% V 0 3,112 0.0% 0 0 0 0.0% 0 0.0% 0 0.0% O F3 0 8,011 0.0% 0 0 0 0.0% 0 0.0% 0 0.0% C d 6,179 151,521 4.1% 9 40 49 0.8% 4,658 75.4% 60 0.3% Q O 13,837 151,486 9.1% 51 57 108 1.7% 10,531 76.1% 169 0.8% (1) d 1,507 68,383 2.2% 4 6 10 0.2% 1,158 76.8% 27 0.1% r 124,947 933,048 13.4% 241 828 1,069 16.6% 99,853 79.9% 1,710 8.0% E 13,028 36,727 35.5% 657 413 1,070 16.6% 8,149 62.5% 5 0.0% E O U 1,729 31,861 5.4% 14 16 30 0.5% 1,106 64.0% 5 0.0% N 0 84,675 0.0% 0 0 0 0.0% 0 0.0% 22 0.1% LU 0 1,626 14,902 10.9% 14 9 23 0.4% 1,270 78.1% 6 0.0% C 31,067 489,345 6.3% 68 221 289 4.6% 23,907 77.0% 6,111 28.6% O s? d 7,358 103,468 7.1% 32 48 80 1.2% 5,650 76.8% 3,177 14.9% N r 30,708 10,213 31,989 26,459 4,745 0 6,343 13,503 2,894 6,328 461 Page 591,240 5.2% 43 115 158 212,183 4.8% 29 54 83 452,718 7.1% 26 115 141 251,852 10.5% 91 196 287 32,878 14.4% 19 16 35 87,305 122,209 65,325 191,762 181,694 0.0% 0 0 0 5.2% 9 22 31 20.7% 23 77 100 1.5% 26 26 52 3.5% 38 53 91 2.4% 23,769 77.4% 673 3.2% E 1.3% 7,648 74.9% 327 1.5% C U 2.3% 22,078 69.0% 411 1.9% I t r 4.4% 19,466 73.6% 1,508 7.1% 3 1 C 0.5% 3,726 78.5% 22 0.1% ct< a r- 0.0% 0 0.0% 73 0.3% O r V Q 0.5% 4,274 67.4% 85 0.4% I LL 0 1.5% 8,857 65.6% 717 3.4% (0) 0.8% 1,978 68.3% 54 0.3% Z.; t 1.4% 4,817 76.1% 219 1.0% V cC r DRAFT for Public Comment April 20, 2018 Q Packet Pg. 58 B.1.a — Number: 1 Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 1:40:41 PM How do these numbers compare to the damage numbers on page 40? What is the difference? Source? t- Q L a D D t7 m D U _ a> 0 v d a> r cc D C (7 U 0 CO T C d E M 0 d d D r C 0 E E 0 U O w 0 C 0 0 CL m a r C m E E 0 U t I r 3 I C M CL C I 0 r Q I O U) r C m E t m r r Q Packet Pg. 59 B.1.a State of Florida Action Plan for ReeoVery Hhds in County as % of State Total I Market Study measure. Damaged E For owners, housing costs include mortgages, taxes, insurance, utilities and association fees. For renters, E housing costs include rent and utilities. Additionally, renters with incomes below $35,000 per year are the most v likely to spend more than 30 percent of their income for housing costs. The lowest income owners are also r heavily impacted by housing costs. Three - quarters of owners with incomes below $20,000 per year spend more 3i than 30 percent of income for housing. c by a Total Damaged Total HO # Units # of Total % of Units Units Damaged Non- Impacted with by Seasonal by Property Hurricane Units in Hurricane Damage Irma County Irma over $20,000 Total Damaged Total Rental # Lower Rental Prope Units with Hhds (< Units with s with h Major Damage Damage High Structural Damage Damage of State Damaged HO & # Lower Rental Income Properties/ Hhds (< Units with $40K) w/ High Damage Damage Level The table below uses Census data to describe the extent to which owner and renter households at different annual income levels (expressed in dollars) pay more than 30 percent of their income for housing costs. For other tables and charts, a unit is considered "affordable" if the household pays no more than 40 percent of income for housing, consistent with the threshold used in the Rental Market Study. These tables and charts express income as a percentage of "area median income," or AMI, adjusted for region and household size. In this report a "low- income" household has an income at or below 60 percent A consistent with the Rental c 0 r Q i O U) r c W E t m r 471 Page DRAFT for Public Comment April 20, 2018 Q Packet Pg. 60 B.1.a State of Florida Action Plan for ReeoVery TABLE 16: PERCENTAGE OF INCOME SPENT ON HOUSING BY OWNER/RENTER STATUS AND HOUSEHOLD INCOME, FLORIDA, 2015 Less than 145,920 ` 448,569 76% $20,000 $20,000 to 362,211 365,613 50% $34,999 Annual • $35,000 to 419,170 257,897 38% .ncorne $49,999 $50,000 to 690,818 226,327 25% $74,999 $75,000 or more 1,630,575 153,602 9% Source: U.S. Census Bureau, 2015 American Community Survey. 40,344 591,991 94% 81,255 464,425 85% 196,640 203,272 51% 307,015 87,307 22% 353,176 20,139 5 r c m E E 0 U t r 3 c m a r- 0 r Q LL O U) 48 1 r c m E t m r DRAFT for Public Comment April 20, 2018 Q Packet Pg. 61 B.1.a State of Florida Action Plan for Recovery TABLE 17: COST BURDEN DATA, FLORIDA SUMMARY. Household Income <= 30% HAMFI Household Income >30% to < = 50% HAMFI Household Income >50% to < = 80% HAMFI Total 661,620 656,545 716,630 2,034,795 893,285 863,460 1,245,595 7,217,510 74 76% 58 28 Household Income <= 30% HAMFI Household Income >30% to < = 50% HAMFI Household Income >50% to < = 80% HAMFI Household Income <= 30% HAMFI Household Income >30% to < = 50% HAMFI 388,880 365,835 357,370 Total 1,112, 085 Cost burde ■ 272,730 290,705 518,385 418,755 512,555 2,444,565 374,905 444,705 Household Income >50% to < = 80% HAMFI 359,260 733,040 Total 922,695 4,772,945 Source: Most recent HUD CHAS data, which is a special tabulation of 2010 -2014 ACS data, https://www. huduser.gov /portal /datasets/cp.html 75 87 70% 45 73 65 49 19% Affordable Housing The need for affordable rental housing in Florida was extremely high even before the 2017 storms occurred. Florida's existing shortage of affordable housing was further exacerbated by Hurricanes Irma and Maria. To plan for and achieve sustainable growth in affordable housing we must first understand the population of working households with a continued inability to reach a threshold level of monetary security and survivability. According to an annual study for Florida that focuses on understanding Asset Limited, Income Constrained, Employed (ALICE) households across the state, every county impacted by Irma already has a significant percentage of households that earn more than the Federal Poverty Level (FPL), but less than what it costs to survive in Florida. The ALICE population represents those among us who are working, but due to child care costs, transportation challenges, high cost of living and other variables, are living paycheck to paycheck. The bare - minimum Household Survival Budget increased by an average of 19 percent from 2007 to 2015 (Table 18), while the rate of inflation was 14 percent. This threshold, affording only a very modest living, is still significantly more than the Federal Poverty Level of $11,770 for a single adult and $24,250 for a family of four. Table 19 shows the total percent of those living in poverty according to the federal definition and those living under ALICE conditions. Combined, this percentage identifies a lack of ability to procure housing under current economic conditions. According to a recent analysis from the Urban Institute the need for more affordable housing is 19 http: // apps. urban.org / features /rental- housing- crisis -map/ 491 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 62 B.1.a State of Florida Action Plan for ReeoVery evident across the state. Low levels of affordable rental housing for extremely -low income (< 30 percent AMI) households across the disaster affected counties shows a clear need for additional housing. HUD Comprehensive Housing Affordability Strategy (CHAS) data show more than 1.1 million cost - burdened renter households in Florida with incomes at or below 80 percent of area median income (AMI). Florida Housing Finance Corporation administers federal and state housing dollars on behalf of the state, including Low Income Housing Tax Credits. In its rental portfolio of approximately 176,000 active rental units serving mainly households with incomes at or below 60 percent of AMI, fourth quarter 2017 occupancy rates were over 97 percent, higher than the state or nation's rental stock as a whole. TABLE 18: COST OF LIVING. 2° The Shimberg Center for Housing Studies, University of Florida, 2016 Rental Market Study, July 2016, http: / /www.floridahousing.org/ press /publications /2016 - rental- market - study Prepared for Florida Housing Finance Corporation, the study uses a 40 percent cost burden measure rather than the national 30 percent measure to assist Florida Housing with policy decisions in targeting program resources. 50 1 P a g e DRAFT for Public Comment April 20, 2018 Packet Pg. 63 B.1.a State of Florida Action Plan for Recovery TABLE 19: POVERTY LEVELS. zi http: // apps. urban.org / features /rental- housing- crisis -map/ zz http: // apps. urban.org / features /rental- housing- crisis -map /s 511 DRAFT for Public Comment April 20, 2018 Packet Pg. 64 B.1.a State of Florida Action Plan for Recovery - ceola 98,301 60% 8,436 Im Beach 545,780 40% 36,812 • 192,628 42% 10,156 400,209 41% 29,631 ilk 227,122 51% 18,090 28,165 52% 2,444 rasota 177,807 33% 7,936 minole 162,739 37% 7,383 Johns 83,247 28% 3,891 Lucie 108,811 46% 8,702 rnter 48,039 42% 1,028 wannee 15,649 48% 1,699 iion 3,883 70% 209,657 42% 15,534 * Value not provided for counties with population below 20,000 and sample size below 50. Source: HUD CHAS data, https: / /www.huduser .goy /portalldotosetslcp.html Of the FEMA applicants to the IA program from impacted counties, nearly 50 percent live in rental housing; 1,113,657 of whom are also of low- and - moderate income. Mobile Homes Mobile home affordability and ease of general maintenance provides housing independence and choice to residents across the state (Figure 31). However, wind and flood damage to mobile homes can be difficult to repair due to the integrated nature of the building components. In addition, when considering the feasibility of repairing a structure, the cost of making those repairs to mobile homes may be disproportionately high compared to the overall value of the structure. The full extent of damage to mobile homes may not be realized in the early months after an event and can go unreported in the initial damage inspection. Damage such as water saturation of the particle board material that makes up the floor framing and decking can cause unsafe deterioration over time. The potential for mold and mildew in the home's structure or insulation can develop overtime as well. Of the FEMA IA applicants in the state - assessed areas, 202,927 of them reside in mobile home units. 521 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 65 B.1.a State of Florida Action Plan for Recovery FIGURE 31: MOBILE HOME POPULATIONS. r Percent of Housing Mobile home - >45% - 30%045% 15%030% 5%-15% 5% i IA and PAAssistance Mobile home damage was widespread across the state, from the Keys through central and north Florida. Because mobile home construction is less protective against wind hazards, impacts to these structures, often not immediately apparent, can result in compounded losses if not mitigated. Nineteen counties, noted below with more than 1,000 mobile homes with FEMA verified losses, represent a potential cohort of unmet needs. This less protective housing type is also concentrated in certain areas, as illustrated in the map above. These areas, including counties in south, central and north Florida are the most - impacted counties in terms of simple count of the number of homes with documented FEMA verified loss. In total across the state, there were 51,484 mobile homes with FEMA Real Property Verified Losses or losses identified by FEMA inspectors. Table 20 shows the number of mobile homes and FEMA verified property losses by county. 531 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 66 B.1.a State of Florida Action Plan for ReeoVery TABLE 20: MOBILE HOMES WITH VERIFIED LOSS BY COUNTY. 552 $903,142 $1,636 306 $257,990 $843 233 $446,153 $1,915 822 $957,336 $1,165 304 $776,655 $2,555 2,186 $2,723,230 $1,246 1,854 $4,125,716 $2,225 307 $422,796 $1,377 2,248 $2,075,779 $923 . • 3,129 $3,755,502 $1,200 325 $599,887 $1,846 1,685 $13,471,520 $7,995 663 $820,217 $1,237 448 $939,502 $2,097 585 $1,742,099 $2,978 • • • 729 $1,117,059 $1,532 2,171 $7,530,180 $3,469 • 2,182 $2,097,677 $961 414 $651,585 $1,574 • 1,227 $1,607,822 $1,310 455 $956,306 $2,102 1,717 $1,692,045 $985 235 $249,247 $1,061 1,406 $1,740,760 $1,238 891 $1,395,844 $1,567 1,996 $1,676,444 $840 294 $1,176,636 $4,002 ' • 5,331 $7,222,104 $1,355 134 $145,911 $1,089 1,441 $1,938,119 $1,345 317 $566,504 $1,787 389 $443,098 $1,139 352 $785,760 $2,232 481 $738,813 $1,536 1,299 $1,996,230 $1,537 581 $1,508,375 $2,596 598 $975,435 $1,631 674 $643,070 $954 1,589 $2,109,404 $1,328 582 $859,479 $1,477 1,618 $2,380,054 $1,471 335 $402,538 $1,202 384 $536,445 $1,397 115 1 $178,731 $1,554 20 $18,819 $941 1,275 $1,899,172 $1,490 1,859 $1,890,995 $1,017 1: m 2,746 $5,673,928 $2,066 Residential Properties in the Flood Zone Many people across the state reside in areas at risk of flooding. Residential construction occurred without any regulated understanding of flood zones prior to the 1968 establishment of the National Flood Insurance Program (NFIP). Since then, counties and municipalities have only regulated residential (and other) construction 541 F: g DRAFT for Public Comment April 20, 2018 c m E E 0 U t I 3 I c m (L I r- 0 Q I u_ 0 U) r c m E m r Q Packet Pg. 67 B.1.a State of Florida Action Plan for ReeoVery in the flood zone when said counties were participants in the National Flood Insurance Progra Q 1 these counties, those participating in the Community Rating System (CRS) provide discounted flood insurance in exchange for implementing and enforcing regulations about where and how construction could take place. Today, while many counties and cities across the state participate in C ForTethe ere are still 16 counties and many more municipalities that do not participate and are not required to en full suite of mitigation and flood reduction measures available. Furthermore, while all banks providing federally backed mortgages require flood insurance, those who do not have a mortgage are not required to carry flood insurance. In Florida, there are 3,135,904 residential structures in the 100 -year flood zone, yet only 1,763,729 policies in force 21 (both inside and outside of the flood zone). Table 22 provides a breakdown of parcels, residences and applicants to the Hurricane Irma FEMA Housing Assistance Program. The number of residential units inside the 100 -year flood zone and the dollar losses of these units from Hurricane Irma are ready indicators of a growing challenge across the state in finding safe, resilient and sustainable homes for residents. TABLE 21: SUBSTANTIALLY DAMAGED DETERMINED (SD) STRUCTURES AND RESPECTIVE COMMUNITIES. ALACHUA COUNTY* 2 YES Y LETTER 7 BAKER COUNTY* 2 YES Y FCAC 1 TOWN OF BEVERLY BEACH 2 YES Y LETTER 8 CITY OF BONITA SPRINGS 4 YES Y LETTER 6 BRADFORD COUNTY * 2 YES EXT REQ BREVARD COUNTY * 3 YES NO SD FCAC 0 r- CITY OF CAPE CORAL 4 YES N 0 0 0 0 CHARLOTTE COUNTY * 4 YES Y FCAC 1 W CLAY COUNTY * 2 YES Y FCAC COLLIER COUNTY * 4 YES Y FCAC COLUMBIA COUNTY* 1 YES NO SD FCAC CITY OF CORAL GABLES 5 YES NO SD LETTER CITY OF DAYTONA BEACH 3 NO N DESOTOCOUNTY* 4 YES Y - ONGOING FCAC VILLAGE OF ESTERO 4 YES Y LETTER EVERGLADES CITY 4 YES Y- ONGOING d " https: / /bsa.nfipstat.fema.gov /reports /1011.htm 551 Page DRAFT for Public Comment April 20, 2018 Q Packet Pg. 68 0 r c d 0 E 76 E 0 288 U DRAFT for Public Comment April 20, 2018 Q Packet Pg. 68 0 r 3 1 0 c cc a 2 I c 0 r v Q I � 1 O N 130 r c d E t v cc r DRAFT for Public Comment April 20, 2018 Q Packet Pg. 68 B.1.a Page: 55 - Number: 1 Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 1:44:34 PM Are all Florida Counties and Cities participants in NFIP? — Number: 2Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 1:43:24 PM Typo. CRS. ILL D D t7 m D U _ a> 0 v d a> r cc D c (7 v 0 m r c d E CL 0 d d D r 0 E E 0 U O w 0 c 0 0 CL m a r c m E E 0 U t I r 3 I c m a r- 0 r 0 Q I O U) r c m E M m r r Q Packet Pg. 69 B.1.a State of Florida Action Plan for ReeoVery CITY OF FLAGLER BEACH " 2 ' YES Y - PENDING FCAC 8 FLAGLER COUNTY* 2 YES Y- PENDING ? m TOWN OF FORT MYERS 4 NO N BEACH CITY OF FORT MYERS 4 YES Y FCAC 1 y m T D 4T. LUCIE CITY OF FORT PIERCE 3 NO N c m GLADES COUNTY * 4 NO N IENDRY HENDRY COUNTY * 4 NO N 0 AERNAND HERNANDO COUNTY * 3 NO Y LETTER 12 pp HIGHLANDS COUNTY * 4 YES Y FCAC 1 m �'ILLSBOROUGH HILLSBROUGH COUNTY 3 NO EXT REQ E - a J OLUSIA CITY OF HOLLY HILL 3 YES NO SD FCAC 0 c m WROWARDY CITY OF HOLLYWOOD 5 YES Y - PENDING ? m D NDIAN RIVER INDIAN RIVER COUNTY * 3 YES NO SD FCAC 0 r VI ONROE VILLAGE OF ISLAMORADA 5 YES Y LETTER 67 E E FdUVAL CITY OF JACKSONVILLE 2 YES Y - PENDING ? U BEACH y WdUVAL CITY OF JACKSONVILLE 2 YES Y - PENDING FCAC ? O W VILLAGE OF KEY BISCAYNE 5 YES NO SD FCAC 0 0 c VI ONROE CITY OF KEY COLONY 5 YES Y- PENDING FCAC 3 0 BEACH 0 0 • ' • CITY OF KEY WEST 5 YES Y FCAC 5 a m o! ESCEOLA CITY OF KISSIMMEE 3 YES NO SD LETTER 0 r c LAKE COUNTY * 3 NO Y LETTER 15 E E POLK CITY OF LAKELAND 3 YES Y LETTER 45 E 0 U t r 3 QL CITY OF LAYTON 5 YES Y- PENDING FCAC 7 0 m a LEE COUNTY* 4 YES Y FCAC 9 c r ZkNATEE MANATEE COUNTY * 4 YES NO SD FCAC 0 Q LL ENROE CITY OF MARATHON 5 YES Y FCAC 1402 N r c • CITY OF MARCO ISLAND 4 YES Y LETTER 2 m E t m r 56 ' DRAFT for Public Comment April 20, 2018 Q Packet Pg. 70 B.1.a State of Florida Action Plan for ReeoVery 571 Page MARTIN COUNTY * 3 NO NO SD LETTER 0 6 U_ CITY OF MIAMI BEACH 5 YES NO SD FCAC 0 CITY OF MIAMI GARDENS 5 YES NO SD LETTER 0 MIAMI SHORES VILLAGE 5 YES NO SD LETTER 0 d CITY OF MIAMI 5 YES Y- PENDING ? w MIAMI -DADE COUNTY* 5 YES Y LETTER 26 1 N MONROE COUNTY* 5 YES Y FCAC ,� 71 I _y CITY OF MOORE HAVEN 4 YES NO SD 0 CITY OF NAPLES 4 YES Y 2 i NASSAU COUNTY* 2 YES Y- PENDING FCAC ? v CITY OF NEPTUNE BEACH 2 YES NO SD FCAC 0 _o m r c CITY OF NEW SMYRNA 3 YES Y FCAC 2 BEACH Q CITY OF NORTH BAY 5 NO N C d VILLAGE > d CITY OF NORTH MIAMI 5 YES NO SD FCAC 0 0 BEACH r ORANGE COUNTY * 3 NO Y LETTER ? E CITY OF ORANGE PARK 2 YES NO SD FCAC 0 E CITY OF ORMOND BEACH 3 YES NO SD LETTER 0 �j CITY OF PALM BAY 3 YES Y LETTER 6 y O PALM BEACH COUNTY * 5 YES NO SD LETTER 0 0 PASCO COUNTY * 3 YES N C PINELLAS COUNTY * 3 YES NO SD LETTER 0 0 POLK COUNTY* 3 YES Y LETTER 40 m 0! r c TOWN OF PONCE INLET 3 YES NO SD FCAC 0 E E CITY OF PORT ORANGE 3 YES Y FCAC 5 E PUTNAM COUNTY* 2 YES Y LETTER 13 UI t CITY OF ROCKLEDGE 3 YES NO SD FCAC 0 3 SARASOTA COUNTY * 4 NO N 0 1 cc SEMINOLE COUNTY* 3 NO EXT_REQ a CITY OF SOUTH DAYTONA 3 YES NO SD LETTER 0 I C CITY OF ST. AUGUSTINE 2 YES Y FCAC 23 Q I LL ST. JOHNS COUNTY * 2 YES Y FCAC 72 N ST. LUCIE COUNTY * 3 NO N r c CITY OF TAMARAC 5 YES NO SD LETTER 0 m E t v cc r DRAFT for Public Comment April 20, 2018 Q Packet Pg. 71 B.1.a Page: 57 — Number: 1 Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 1:45:46 PM Our updated number of SD structures is 948. F- LL D D m D U _ a> 0 v d a> r cc D C (7 U 0 CO T C d E M 0 d d D r C 0 E E 0 U O w 0 C 0 0 CL m a r C m E E 0 U t I r 3 I C M CL C I 0 r Q I O U) r C m E t m r r Q Packet Pg. 72 B.1.a State of Florida Action Plan for ReeoVery CITY OF VERO BEACH 3 YES NO SD VOLUSIA COUNTY* 3 YES Y- PENDING CITY OF WEST 3 YES NO SD MELBOURNE HURLTWUM f _ MttIHpN -v vex n CITY OF WEST PALM 5 YES N BEACH xUYA9 BFAL31 6 MtpGAN RM1k7t Oa.r, l. - `- FIGURE 32: PROPERTIES IN A FLOOD ZONE. FCAC FCAC FCAC 0 3 0 �axxvv•a r SANTA ROSA MOM . S OKALOM COUFM - s cTTr reACYN - B 01ALION C"ry -S PA.M NNrANn cxRrNn - T� t40�MTONN 41EAC ; SEKA "TUN ST. J4xIY5 C..OUN7'N ° } Nr.% BaNPPp6 8 IfIY//IMB8E101 - 7' W0*AAOCOUxT 7 AW LAAMMALE a � �.Yti.UAA AAMENTIOe PE"IN) KE HURLTWUM f _ MttIHpN -v vex n PASCO C"IN - "My" SuNwr SES 9EAC A FLAS COUNTY 5 PlI CLEA It TER 5 — . T H NLN•mnrxN COUATI' . S xUYA9 BFAL31 6 Top 59 NFIP Cammunities r csnicrpRarry in CPS `# fAa —d CRS ❑— Other NFIP Cnmmunib" CRS P.nk.aat CitY.rL& ONa lu luNih,YTQwnMlla,rA CRS ftmvpamd Comb/ Fat PaNCOatnr m (ti i C E E 0 U I r 3 I S= a 58 1 c I 0 r Q I O U) r c m E t m r DRAFT for Public Comment April 20, 2018 Q Packet Pg. 73 ST. J4xIY5 C..OUN7'N ° } —EMLM COAST ° A O 3 � �.Yti.UAA UJ COUN,r€v • 5 K 0ar.64E COUNTY . s PASCO C"IN - TAMPA ••ram FLAS COUNTY 5 PlI CLEA It TER 5 — . T H NLN•mnrxN COUATI' . S MtpGAN RM1k7t Oa.r, l. - `- St. oi"EFSESJlfG • 5 • -- MAtiATtE NOIG�AT •3Y • S� 5f. WCSE COWT' •:, SAp,ASOTA CDLKTY • S �°•� ' f0 PIIITA_S_ - MART'NM COIANTy _ G41RIlOnE CO • 5— LE2C C K#M t!l COLMTY -9 — a BOIIYA SPRQK5 • S D - CaL[ER C r 5 �(I) �(I) [SLAIJ - 1 MLAK4DADE C"TY . 5 .. MOAROE C"Tr i C E E 0 U I r 3 I S= a 58 1 c I 0 r Q I O U) r c m E t m r DRAFT for Public Comment April 20, 2018 Q Packet Pg. 73 B.1.a State of Florida Action Plan for ReeoVery TABLE 22: HURRICANE IRMA FEMA HOUSING ASSISTANCE PROGRAM FUNDING BREAKDOWN 591 Page 19,795 36,145 1,905 94 $481,793 $340,078 $141,715 42,847 35,985 239 45 $313,716 $219,216 $94,500 6,739 4,436 671 167 $843,285 $562,231 $281,054 76,201 67,165 3,738 504 $1,598,758 $927,298 $671,460 352,667 450,302 57,199 2,531 $3,452,018 $984,154 $2,467,864 114,121 55,798 5,555 436 $1,009,741 $669,676 $340,064 34,489 22,535 2,384 223 $359,082 $250,134 $108,948 16,382 14,461 1,688 413 $6,000,716 $2,866,549 $3,134,167 293,716 252,508 43,020 5,153 $14,914,532 $9,977,280 $4,937,251 9,846 5,996 623 77 $332,238 $213,048 $119,190 7,329 3,234 426 128 $830,809 $525,455 $305,354 8,736 4,171 359 67 $91,709 $63,006 $28,703 65,552 87,252 5,599 626 $4,664,168 $2,201,633 $2,462,535 19,721 11,097 1,101 255 $1,961,920 $970,031 $991,889 4,326 1,919 186 24 $50,824 $38,817 $12,007 20,015 7,722 147 26 $42,994 $20,293 $22,701 4,804 2,451 349 114 $819,715 $564,125 $255,590 10,349 5,306 1,562 287 $378,142 $221,983 $156,159 23,879 13,475 1,061 193 $761,557 $573,755 $187,801 17,847 8,601 927 178 $288,394 $164,586 $123,808 120,646 171,987 17,124 733 $2,111,799 $1,414,296 $697,503 43,007 28,865 986 126 $335,315 $173,236 $162,079 4,037 1,317 175 14 $34,244 $33,643 $601 41,050 46,819 2,322 365 $637,663 $369,367 $268,296 230,917 205,763 38,030 3,198 $9,535,647 $5,645,113 $3,890,534 20,652 9,387 229 25 $13,989 $6,673 $7,316 45,023 63,385 5,825 515 $855,005 $577,274 $277,732 30,266 22,843 3,074 362 $699,815 $551,897 $147,918 24,347 24,020 689 46 $75,971 $40,033 $35,939 284,941 415,782 252,657 12,343 $17,931,477 $- $17,931,477 83,064 37,832 35,244 5,703 $49,079,548 $31,902,390 $17,177,158 34,846 28,721 795 145 $577,709 $319,041 $258,668 16,632 7,226 1,277 330 $742,251 $353,074 $389,177 51,458 90,272 6,579 493 $825,692 $439,364 $386,328 33,847 26,102 4,559 619 $1,170,946 $680,670 $490,276 DRAFT for Public Comment April 20, 2018 r c m E E 0 U I t r . I c m a c I 0 r Q I O U) r c m E t m r Q Packet Pg. 74 B.1.a State of Florida Action Plan for ReeoVery 186,680 230,498 9,942 737 $1,084,235 $665,435 $418,800 92,119 73,738 11,423 907 $1,692,673 $1,304,580 $388,092 168,935 184,041 32,585 1,203 $1,171,353 $600,654 $570,698 87,172 53,223 5,214 940 $2,356,606 $1,406,631 $949,976 22,619 12,070 1,242 282 $900,476 $488,877 $411,599 94,793 93,011 4,265 280 $448,331 $330,291 $118,040 21,596 35,603 2,075 238 $608,106 $293,824 $314,282 53,459 35,614 3,179 441 $2,795,419 $965,220 $1,830,199 41,182 30,558 1,467 126 $480,165 $310,098 $170,067 11,526 5,060 764 131 $242,802 $219,118 $23,684 19,317 8,728 486 51 $35,640 $18,594 $17,046 2,850 1,039 105 18 $31,354 $26,146 $5,208 135,379 95,560 7,8 77 , � 762 $3,375,049 $2,426,264 $948,785 1 ��`�U��►X ��Y Housing Funds Made Available The main federal funding sources that are available for impacted residents in the immediate aftermath of a disaster are FEMA Individual Assistance, low- interest loans from the U.S. Small Business Association (SBA) and insurance proceeds from the National Flood Insurance Program (NFIP). These three funding streams account for the majority of the housing recovery funds made available before CDBG -DR. FEMA Individual Assistance (IA) The FEMA Individual Assistance program (IA) consists of a multitude of services for individuals in disaster declared counties. Specifically, housing funds, made available through the Housing Assistance (HA) program help to bridge the gap from sheltering /interim housing to permanent housing. These funds can be used for limited basic home repairs and replacement of essential household items, as well as rental payments for temporary housing. FEMA IA is limited to restoring a home to a basic level of, "safe and sanitary living or functioning condition," and may not account for the full extent of the home's damage or need. There were 2,639,876 applicants to FEMA's Housing Assistance Program across the 49 presidentially declared counties. Of these, 192,928 had a FEMA Real Property Verified Loss (RPFVL) assessment; however, this does not mean that the applicant received funding (Table 23). Of the applicants with a RPFVL, 35,645 received FEMA housing assistance in the form of repair or replacement funds. An estimated $360,956,426 in damage was assessed for the applicants with an FVL. This has resulted in $182,774,184 in housing assistance to date. 60 1 P a g e DRAFT for Public Comment April 20, 2018 Packet Pg. 75 B.1.a State of Florida Action Plan for Recovery Interestingly, an additional $288,097,837 in housing assistance has been provided to nearly 260,000 additional applicants who did not have recorded FEMA property IOSS. TABLE 23: FEMA APPLICANT BREAKDOWN By ASSESSED DAMAGE AND RECEIPT OF FEMA HOUSING ASSISTANCE. r- .taM: 2,639,876 $470,872,021 $178 192,928 $360,956,426 $1,870.94 35,645 $182,774,184 $5,128 157,283 81 $1,738,819 2,446, $0 $2,201,729 258,291 $288,097,837 $1,115.40 2,188,657 $11,794,094 1,488 National Flood Insurance Program (NFIP) Coverage The National Flood Insurance Program (NFIP) provides insurance coverage to any property owner willing to pay the associated premiums. As of November 30, 2017, the NFIP has paid out on 27,041 claims across the state totaling more than $343 million in property payouts (Table 24). TABLE 24: NFIP PROPERTY CLAIMS AND TOTALS 81 $1,962,934 $445,525 $0 $2,408,459 19 $547,460 $99,022 $0 $646,482 81 $1,738,819 $462,910 $0 $2,201,729 724 $9,328,384 $2,465,711 $0 $11,794,094 1,488 $6,513,330 $1,099,064 $0 $7,612,394 207 $1,527,652 $365,041 $0 $1,892,693 16 $21,301 $0 $0 $21,301 750 $28,431,892 $6,904,213 $0 $35,336,105 2,469 $22,735,778 $4,443,588 $0 $27,179,367 35 $593,784 $121,328 $0 $715,112 53 $983,096 $68,783 $0 $1,051,879 2 $0 $0 $0 $0 1,927 $56,649,678 $11,982,272 $0 $68,631,950 2 $0 $0 $16,490 $16,490 690 $17,807,231 $4,522,155 $0 $22,329,386 24 FEMA FIDA 25761_4337 as of 12/22/2107 611 DRAFT for Public Comment April 20, 2018 Packet Pg. 76 B.1.a State of Florida Action Plan for Recovery 9 $33,327 $503 $0 $33,830 3 $6,149 $0 $0 $6,149 23 $557,239 $134,332 $0 $691,571 18 $77,600 $601 $0 $78,201 64 $627,553 $145,029 $0 $772,582 61 $198,727 $25,817 $0 $224,544 276 $2,314,081 $427,773 $0 $2,741,854 107 $2,045,042 $333,382 $0 $2,378,424 91 $777,229 $85,463 $0 $862,692 1,808 $18,140,998 $3,084,949 $0 $21,225,947 1 $0 $0 $0 $0 1 $3,909 $0 $0 $3,909 87 $199,561 $10,500 $0 $210,061 55 $1,443,658 $181,918 $0 $1,625,576 43 $519,607 $93,704 $0 $613,311 3,451 $25,522,046 $5,261,215 $0 $30,783,261 7,726 $76,535,687 $11,827,460 $13,940 $88,377,087 170 $2,504,986 $631,345 $0 $3,136,331 14 $111,527 $0 $0 $111,527 187 $1,731,558 $119,579 $0 $1,851,138 158 $1,494,704 $230,674 $0 $1,725,378 387 $907,137 $147,607 $0 $1,054,744 171 $2,288,172 $99,971 $0 $2,388,143 197 $192,095 $10,759 $0 $202,854 234 $3,034,383 $912,317 $0 $3,946,700 165 $2,181,859 $264,492 $0 $2,446,350 117 $310,012 $63,902 $0 $373,914 190 $2,472,654 $466,582 $0 $2,939,236 1,572 $25,912,970 $3,528,503 $0 $29,441,474 199 $4,810,610 $1,170,411 $0 $5,981,021 16 $70,570 $15,445 $0 $86,014 3 $0 $0 $0 $0 5 $42,897 $17,113 $0 $60,010 888 $17,536,047 $3,329,542 $0 $20,865,590 Small Business Association (SBA) Home Loans The Small Business Administration (SBA) provided $821,262,327 in repair assistance available to 46,634 homeowner applicants in Hurricane Irma - impacted areas. The low- interest loans are made available for the 621 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 77 B.1.a State of Florida Action Plan for ReeoVery purposes of home repair and personal property loss. The average loan for this disaster event was $33,204 and the median loan is $24,071. Private Insurance Proceeds Detailed (homeowner level) information on private insurance for Irma is not readily available because many of the insurance claims are still being processed. However, aggregated data for these disasters shows that residences bore the brunt of impacts from Irma (Table 25). Furthermore, damage from this hurricane (as indicated by the number of insurance claims) is heavily tilted toward residential properties over businesses. TABLE 25: HURRICANE IRMA INSURANCE CLAIMS DATA Homeowners Dwelling Mobile Homeowners Commercial/ Residential 730,574 378,786 247,068 104,720 85.7% 0 ° 575,325 287,111 204,298 83,916 r c 85.4% E 93,259 50,535 30,038 12,686 0 86.4% 0 W 53,161 39,340 9,892 3,929 92.6% 0 8,829 1,800 2,840 4,189 52.6% E E 53,931 9,387 14,343 30,201 0 44.0% U O w 0 1,699 786 538 375 77.9% r- 0 0 CL 3,754 1,300 1,420 1,034 72.5% r c W 87,885 59,605 19,021 9,259 89.5% E E 0 U t r 3 c m a r- 0 r LL O U) r c W zs https:// www. floir. com/ Office/ HurricaneSeason /HurricanelrmaClaimsData.aspx m r 63 1 P a g e DRAFT for Public Comment April 20, 2018 Q Packet Pg. 78 B.1.a State of Florida Action Plan for Recovery Housing Unmet Need Housing Impact Methodology HUD calculates "unmet housing needs" as the number of housing units with unmet needs multiplied by the estimated cost to repair those units, subtracted by the repair funds already provided by FEMA and SBA (Figure 33). Because complete data sources are often difficult to obtain after a major disaster event, HUD stated that empirically justified calculations may be used to determine the average cost to fully repair a home. Generally, this is accomplished by, "using the average real property damage repair costs determined by the Small Business Administration for its disaster loan program for the subset of homes inspected by both SBA and FEMA. Because SBA is inspecting for full repair costs, it is presumed to reflect the full cost to repair the home, which is generally more than the FEMA estimates on the cost to make the home habitable. " FEMA verified loss values are substantially lower than SBA real property loss values. We can infer impacts from the SBA data in the same manner we did for Hurricanes Hermine and Matthew by accounting for all FEMA and SBA applicants sustaining any damage. Previously approved impact assessment methodologies have used the combined data from the Small Business Administration estimates of damage and repair needs, FEMA IA Housing Assistance data and National Flood Insurance data to triangulate the real need, as opposed to the FEMA estimated losses. Utilizing SBA loan values as an indicator of the amount of support any individual household will require to repair hurricane damages provides a more comprehensive look at recovery than simply looking at a FEMA- inspected damage. SBA sends "construction specialists" trained to evaluate the true cost of repairing or replacing a damaged structure to each applicant, returning a more comprehensive estimate of recovery than original estimates from FEMA. Further accounting for under - representation of impacted populations, stemming from FEMA - ineligible applicants provides a more accurate picture of overall housing impact across a study area. For Irma, when using the average verified loss amount ($33,204) of all SBA applicants with real property losses (46,634) and applying it to those who were disqualified from SBA loan assistance and those for whom a FEMA loss was established, the full extent of housing impact caused by Hurricane Irma increases to more than $8.5 billion (before any deductions for funds already provided are calculated). In an effort to more finely calibrate the impact amount, the housing impact for this needs assessment was calculated using only SBA data compared with FEMA applicant information. Here, we utilize the median SBA real property damage amount of $24,072 to account for outliers in the SBA data (a few very high and very low damage amounts) that were impacting the average. When applied to the total number of FEMA applicants without a FEMA Verified Loss (FVL), SBA applicants who were not approved, and FEMA data about the number of rentals with damages (82,897) this results in an adjusted housing impact of $7.1 billion. Twenty percent in additional resiliency costs were applied to account for the additional cost of compliance in coastal areas, for a total impact of nearly $8.5 billion. After deducting the funds already provided by FEMA, SBA, the National Flood Insurance Program (NFIP) and Pubic Housing Funds ($1.7 billion) the remaining unmet need for housing is approximately $6.8 billion when accounting for required additional resilience measures (Table 26). 26 Federal Register Vol. 78, No. 43 /Tuesday, March 5, 2013 641 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 79 B.1.a State of Florida Action Plan for Recovery FIGURE 33: HUD HOUSING UNMET NEEDS METHODOLOGY. HUD Unmet # of Housing Housing Needs Units with X ($444,434,508) Unmet Needs Estimated Cost to Repair Those Housing Units Repair Funds Already Provided by FEMA, SBA, and NFIP 122,511 units with FEMA - inspected damage A. separate into three groups: Owners inside or outside food plain Owners , , , ith or without flood or hazard insurance Renters B. Drill down: 1. Exclude housing units with less than $8K FEMA- inspected damage 2. Exclude all housing units with flood/hazard insurance 3. Exclude: • Owners greater than 120% AMI with flood damage inside food plain • Owners greater than 120% AM with non -flood damage (wind/ other) inside and outside flood plain • Renters greater than 50% AM with any kind of damage 7,951 units with "serious unmet housing repair needs" 65 1 P a g e DRAFT for Public Comment April 20, 2018 Packet Pg. 80 B.1.a State of Florida Action Plan for Recovery TABLE 26: TOTAL DERIVED IMPACTS AND UNMET NEEDS FOR HOUSING Homeowner- SBA applicants that received a complete damage assessment (true $1,548,440,970 dollar amount) Homeowner - SBA applicants that did not receive a complete damage assessment $1,839,616,245 (estimated dollar amount) Homeowner - FEMA applicants that did not apply for SBA (estimated dollar $1,681,899,777 amount) Rental Property — FEMA applicants with verified loss (estimated dollar amount) $2,028,406,693 Other Housing — Real estate damage to public housing (true dollar amount) $2,407,150 Total Housing Loss $7,125,204,405 FEMA payments to repair homes ($470,872,021) SBA home loans (787,817,827) Estimated NFIP building payments ($409,076,865) Public housing funds ($5,000,000) SBA rental property owner payments ($33,444,600) Total Unmet Need $5,418,993,093 Accounting for an additional 20% in funding needed to support rebuilding to $6,844,033,974 higher standards (resilience) Community Development Block Grant — Disaster Recovery funds allocated to ($404,434,508) Florida Total Unmet Housing Need $6,439,599,466 Infrastructure Impact Infrastructure systems affected by Hurricane Irma included mainly roadways, bridges and state beaches with little reported damage to wastewater treatment systems or drinking water. The immediate recovery efforts were well- documented by the individual recovery support functions and by the initial project worksheets being submitted for public assistance. 28,29 This is the best available data set at this time and only an estimate of actual infrastructure unmet needs. DEO will revisit Florida's unmet infrastructure needs once more complete data becomes available for analysis. 2' Values from SBA Home Loan Report, FEMA Individual Assistance Data, Survey of 62 Public Housing Authorities across declared region and the National Flood Insurance Program. 28 http: / /www.florid adisaster.org /eoc /Irma2016/ 29 https://www.fema.gov / media - library- data/1477681864977- 04968ad6e3d2fab698e94c45322ea7c3/PDAReportFEMA4280DRFL.pdf 661 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 81 B.1.a State of Florida Action Plan for ReeoVery Public Assistance The FEMA Public Assistance (FEMA -PA) Program is designed to provide immediate assistance to impacted jurisdictions for emergency protective measures and permanent repairs to infrastructure and community facilities. The federal share of assistance is generally not less than 75 percent of the eligible project cost, requiring the state to contribute the remaining 25 percent in cost share. In some instances, the federal cost share can be as high as 100 percent. The Florida Division of Emergency Management has preliminarily identified more than 35,000 damaged infrastructure sites with a total estimated repair cost of $4.3 billion across all public assistance categories. The federal share of $3.9 billion in funding will be provided to approved projects (Table 27). These categories include: Category A: Debris Removal Category B: Emergency Protective Measures Category C: Roads and Bridges Category D: Water Control Facilities Category E: Buildings and Equipment Category F: Utilities Category G: Parks, Recreational and Other Facilities Based on this data, a remaining unmet need of $387,515,822 (applicant share) in identified infrastructure damage eligible under FEMA -PA Categories C -G remains. TABLE 27: PUBLIC ASSISTANCE PROJECTS BY CATEGORY, HURRICANE IRMA $1,598,719,947 $1,253,931,051 $344,788,896 $1,125,549,377 $869,001,418 $256,547,959 $225,657,659 $169,243,244 $56,414,415 $120,200,948 $90,150,711 $30,050,237 $529,785,546 $397,356,849 $132,428,697 $287,922,730 $215,942,048 $71,980,683 $386,593,984 $289,952,194 $96,641,790 $1,550,160,868 $1,162,645,046 $387,515,822 30 Data as of 2/27/18 from FDEM reflecting FEMA and State PACs working with each county's applicants to determine the entire scope of all damages that will be captured on project worksheets. 671 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 82 B.1.a State of Florida Action Plan for Recovery HMGP and Resilience The Hazard Mitigation Grant Program (HMGP) will be a critical part of long -term resilience improvements for infrastructure in the impacted area. HMGP is generally calculated at 15 percent of the total amount of IA and PA allocated to a disaster event. Fifteen percent of the total PA funds provided by FEMA ($492,836,627) in addition to the FEMA Individual Assistance Program funds made available ($70,630,803) is the expected amount of HMGP funds to be made available for mitigation and resilience activities statewide. For these disasters, the estimated federal share of HMGP is $563,467,430. Calculating that HMGP assistance to any jurisdiction is capped at 75 percent of the identified need (the remaining 25 percent being a required local match), it can be assumed that jurisdictions will be required to provide $191,522,580 in local match, representing an unmet need for resilience improvements. The HMGP process is in its initial stages at this time and will be rolled out over the coming months. HMGP funds can be used as a state /local match in specific instances where a particular project meets a national objective. Economic Impact Business and Employment Using SBA business data to understand the financial impact to livelihoods provides a more comprehensive understanding of impacts and recovery across the state. The Small Business Administration makes low -cost disaster loans available to qualified businesses. According to SBA business loan information, approximately 3,752 applicants had a verified property loss of $944,498,448 and another 10,867 applicants either withdrew or were declined a loan from the program. The average verified loss for all applicants was $251,933 and the median loss was $38,370. Employing the general methodology put forth for the housing impact and unmet needs enables us to identify the true impact and possible additional estimated impacts for businesses who did not qualify for loans. Estimated impacts and support provided by the SBA to businesses capture the total loss of $1,696,240,668 by summing the verified real property losses of $944,498,488, the estimated losses of $416,966,790 (10,867 applicants either declined or withdrawn from the program), the median verified loss of $38,370, the amount of verified reconstruction loss of $20,204,438, and the amount of verified location (rebuild elsewhere) losses of $68,193. DEO then used the same method to sum the verified and estimated losses to furniture, machinery, inventory and business operating expenses ($314,502,799), conservatively accounting for the percentages of each applicant who we expect to see damages as a percentage of those with real verified losses (Table 28). According to this method, total business impacts from Irma were $1,696,240,668. Accounting for 20 percent in extra costs associated with resilience measures such as more stringent building codes, cost of compliance measures, elevations or freeboard requirements increases the total cost of repairs to $1,972,588,242. SBA payouts to businesses totaled $219,193,400 for these lines of loss, leaving a potential unmet need of $1,477,047,268 or $1,753,394,842 when accounting for resilience additions. 681Page DRAFT for Public Comment April 20, 2018 Packet Pg. 83 B.1.a State of Florida Action Plan for Recovery FIGURE 34: HUD BUSINESS UNMET NEEDS METHODOLOGY. HUD Unmet Business Needs ($211,487,438) # of Businesses Denied an SBA Loan Median Damage Estimates (greater than $30K) # of Estimated # of Businesses Businesses Businesses with damage Inspected & Denied Prior to estimates of Denied Inspection less than $30K TABLE 28:TOTAL DERIVED IMPACTS AND UNMET NEEDS FOR BUSINESSES. SBA applicants with a real estate verified loss (Repairs + Rebuild + Relocate True $964,771,079 Dollar Amount) SBA applicants without a real estate verified loss (Repairs + Rebuild Estimate) _$416,966,790 SBA applicants with a business operational verified loss (True Dollar Amount) $208,618,332 SBA applicants without a busine operational verified loss (Estimate) $105,884,468 Total estimated business loss $1,696,240,668 SBA payments for business repairs /reconstruction ($78,623,400) SBA payments for business operations ($140,570,000) Total unmet business need $1,477,047,268 Accounting for an additional 20% in funding needed to support rebuilding to higher $1,753,394,842 standards (resilience for real estate only) Supplemental Assistance I Community Development Block Grant — Disaster Recovery funding allocation to ($211,487,438) Florida Total unmet need $1,541,907,404 69 1 DRAFT for Public Comment April 20, 2018 Packet Pg. 84 B.1.a State of Florida Action Plan for ReeoVery TABLE 29: STATEWIDE 2017 -2025 PROJECTIONS AND SUPPLY DEMAND 83,289 97,474 14,185 17.0 87,430 $13.73 Under Supplied 67,186 76,264 9,078 13.5 60,421 $18.33 Under Supplied 50,675 58,184 7,509 14.8 47,007 $27.80 Under Supplied 41,069 46,843 5,774 14.1 40,101 $20.33 Under Supplied 32,289 37,482 5,193 16.1 29,334 $15.27 Under Supplied 27,243 30,300 3,057 11.2 25,685 $19.33 Under Supplied 21,402 25,315 3,913 18.,269 $15.70 Under Supplied TABLE 30: RATIOS USED IN ESTIMATING BUSINESS OPERATIONS LOSSES. .. �• 1,616 $3,000 10,867 3,775 $4,925 10,867 1,828 $5,000 10,867 461 $25,000 10,867 701 Page ations Losses Ratio of Estimated t Estimated Additional 1 Additional Losses Losses to Businesses CL 100% 2 $53.8 Million o r Q 48.7% $26.5 Million u_ O U) 4.2% $11.5 Million c m E t m r DRAFT for Public Comment April 20, 2018 Q Packet Pg. 85 B.1.a State of Florida Action Plan for ReeoVery Florida Keys Considerations Q Hurricane Irma made landfall in the F orida Keys as a Category 4 storm. While no part of this island chain was spared, the City of Marathon and the Lower Keys from Mile Marker 16 -40 was hit the hardest. Approximately 1,200 homes were destroyed throughout the Keys, with an additional almost 3,000 homes receiving major damage, resulting in the exacerbation of housing challenges already faced by this community. In the Florida Keys, limited land and strict local building codes, combined with the need to ensure safe evacuation of residents and the protection of important environmental resources, drives up the cost of residential development. With the lowest unemployment rate in the state, most business owners in the community say that their biggest challenge is employee retention due to the limited supply of affordable housing. This issue has been exacerbated greatly by Hurricane Irma, as mobile homes and older single - family homes that served as housing for their workforce were significantly damaged and are required to rebuilt to new building codes and standards. The cost of redevelopment will result in higher rents or pressure to sell to someone who will rebuild a second home or vacation rental property, leading to less affordable housing stock for the workforce. The Florida Keys, as a chain of islands connected by over 40 bridges at the southernmost tip of the state, is uniquely vulnerable to hurricanes. Therefore, the legislature passed a law mandating that growth be managed to ensure that the population of the Keys could be evacuated within 24 hours of hurricane landfall. Transportation models were used to determine how much growth capacity remains before the Keys will no longer be able to meet this requirement and phased evacuation was adopted. This process requires hotel occupants to leave first (48 hours prior to hurricane landfall), followed by mobile home residents (at 36 hours) and lastly, all other Keys residents (24 hours prior to landfall). In addition to phased evacuation, a complex building permit allocation system called the Rate of Growth Ordinance (ROGO) was put into place to manage growth and limit development due to safety considerations. The difficulty of acquiring a building permit further drove up the value of land and building costs, making it a greater challenge to develop housing at cost that is affordable to the average worker. It has also created a rare environment where, in addition to land and houses, there is a market for the rights to develop a housing unit. These rights are often bought and sold as a commodity. Many residents in the Keys work more than one job to make ends meet, due to the high cost of living and limited availability of affordable housing. For example, while the median household income is $57,290, much of the workforce pays more than 30 percent of their income on housing, including police officers and teachers. Service industry employees, a large portion of the local workforce, may pay upwards of 50 percent of their income on housing. While this is not unique in many resort communities, the fact that the Florida Keys is a linear chain of islands, makes a commute to live in more affordable areas challenging for the Upper Keys and virtually impossible for the Lower Keys. Even with this challenge, only 65 percent of employees live within Monroe County, with over 20 percent living in counties to the north of the Keys. Affordable workforce housing was a major challenge prior to Hurricane Irma. Given the number of significantly damaged structures and the high cost of rebuilding to current resiliency standards, it is likely that without funding to support the rebuilding of homes and the construction of new affordable housing units, this county's economy, in addition to its residents, will experience major issues well into the future. 711 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 86 Page: 71 - Number: 1 Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 1:51:56 PM Thank you to DEO for recognizing the need in Monroe County. F- LL D D m D U _ a> 0 v d a> r cc D c (7 v 0 m r c d E CL 0 d d D r 0 E E 0 U O w 0 c 0 0 CL m a r c m E E 0 U t I r 3 I c m a r- 0 r 0 Q I O U) r c m E t m r r Q Packet Pg. 87 B.1.a State of Florida Action Plan for ReeoVery III. GENERAL ACTION PLAN REQUIREMENTS 1. Connection Between Needs and Allocation of Funds Federal Register /Vol. 83, No. 28 /Friday, February 9, 2018, Section II, Use of Funds, states: "The Appropriations Act requires that prior to the obligation of CDBG -DR funds a grantee shall submit a plan detailing the proposed use of all funds, including criteria for eligibility, and how the use of these funds will address long -term recovery and restoration of infrastructure and housing and economic revitalization in the most impacted and distressed areas." The programs and funding outlined in this Action Plan were informed by the findings of the unmet needs assessment along with meetings and feedback from communities impacted by Hurricane Irma, as required by HUD. As outlined in the assessor t, the largest portion of unmet need resulting from Hurricane Irma are related to housing, particularly repa 0 ingle family homes, reducing vulnerability through buyout programs and the exacerbation of the need for new affordable rental stock due to the both Hurricanes Irma and Maria. In addition, there are unmet needs associated with business recovery and the need to bolster workforce sectors that will support long -term recovery. There are also infrastructure needs that will address flooding from Hurricane Irma and increase the resiliency of neighborhoods and other areas within communities in the future. Therefore, in compliance with the use of funds required by the Federal Register and informed by the unmet needs assessment, the allocation of CDBG -DR program funds primarily considers and addresses unmet housing needs. Any economic revitalization and infrastructure activities approved by DEO will have documented contribution to the long -term recovery and restoration of housing in the Most Impacted and Distressed areas. 2. Public Housing, Affordable Housing and Housing for Vulnerable Populations DEO will identify and address the rehabilitation, reconstruction, and replacement of the following types of housing affected by the disaster: ■ Low- and moderate - income housing units, • Public housing authority housing stock, including HUD - assisted housing, and • Affordable housing, including housing for the homeless, emergency shelters, transitional and permanent housing. DEO consulted with Public Housing Authorities (PHA) and agencies dedicated to serving vulnerable populations as part of the Action Plan development. In addition to requesting that they be invited to local meetings, the state developed and distributed a survey that was sent out to PHAs. The survey requested information on unmet needs and program ideas that could be developed to address those needs. The PHAs were also given an opportunity to provide comments or additional information. DEO did not receive any comments or additional information from the PHAs that were contacted. Additionally, DEO has chosen to fund the creation of new affordable housing through the Florida Housing Finance Corporation. The PHAs were also invited to the Stakeholder Session for public comment on the proposed Action Plan. Accordingly, it is possible that CDBG -DR funds may be used for the rehabilitation, mitigation, or new construction of PHAs once other funding streams are fully exhausted and if additional funding becomes available. The unmet needs assessment, along with feedback from communities, demonstrates that there is a clear need for new workforce affordable rental housing. This is especially true in areas that have received an influx of population 72 1 P a, g e DRAFT for Public Comment April 20, 2018 Packet Pg. 88 B.1.a State of Florida Action Plan for ReeoVery from Puerto Rico due to Hurricane Maria as well as in the Florida Keys, where affordable housing challenges were significantly exacerbated by Hurricane Irma. DEO met in- person with all most - impacted and distressed communities identified by HUD under the original allocation and distributed a survey broadly to all counties that received a Federal Individual Assistance (IA) disaster declaration. Many communities expressed the need for new workforce affordable rental housing as well as funding to support the acquisition of land to build affordable housing. In communities like the Florida Keys, the ability to provide workforce rental housing is crucial to ensuring long -term recovery of their economy. With few places for workers to live, it is challenging for businesses to retain their workforce. Much of the rental housing stock that was significantly damaged or destroyed during Hurricane Irma was either mobile homes or single - family homes built prior to the implementation of stronger building codes. The cost of rebuilding these homes in some cases may make it difficult to rent at an affordable rate. Therefore, the provision of new affordable rental housing to support the workforce and lifeblood of these local economies will be important to ensuring long -term recovery. Various target populations are eligible to be served, including homeless and special needs populations. Funds received by the state will be used in the recovery efforts from Hurricane Irma for specific disaster - related purposes. DEO will set aside some funding in this allocation to address new construction of transitional housing for homeless populations. DEO will reevaluate the need to set aside additional funds for these target populations with subsequent Hurricane Irma CDBG -DR fund allocations. DEO will ensure close and ongoing coordination with service providers that work with vulnerable populations to ensure that any remaining or ongoing storm - related impact is brought to DEO's attention for a coordinated approach. In addition, any vulnerable populations brought to DEO's attention who are not served under current DEO programs may be referred to specialized service providers for assistance. DEO will develop policies and procedures for compliance with Affirmatively Furthering Fair Housing (AFFH) requirements during the implementation of this action plan. Such policies and procedures will involve a review that will include an assessment of the proposed housing project area's demography, socio- economic characteristics, environmental hazards or concerns, and other factors material to the AFFH determination. Applications should show that housing projects are likely to lessen area racial, ethnic, and low- income concentrations, and /or promote affordable housing in low- poverty, non - minority areas in response to natural hazard - related impacts. 3. Minimize or Address Displacement The state and its subrecipients plan to minimize displacement of persons or entities and assist persons or entities displaced as a result of implementing a project with CDBG -DR funds. This is not intended to limit the ability of the state or its subrecipients to conduct buyouts or acquisitions for destroyed and extensively damaged unit or units in a floodplain. Should any proposed projects cause displacement of people, DEO will ensure subrecipients follow the requirements set forth under the Uniform Relocation Assistance (URA) and Real Property Acquisition Policies Act, as waived. The relocation assistance requirements at section 104(d)(2)(A) of the Housing and Community Development Act and 24 CFR 42.350 are waived to the extent that they differ from the requirements of the URA and implementing regulations at 49 CFR part 24, as modified by the notice, for activities related to disaster recovery. Without this waiver, disparities exist in relocation assistance associated with activities typically funded by HUD and FEMA (e.g., buyouts and relocation). Both FEMA and CDBG funds are subject to the requirements of the URA; however, CDBG 73 1 P a, g e DRAFT for Public Comment April 20, 2018 Packet Pg. 89 B.1.a State of Florida Action Plan for ReeoVery funds are subject to Section 104(d), while FEMA funds are not. The URA provides that a displaced person is eligible to receive a rental assistance payment that covers a period of 42 months. By contrast, Section 104(d) allows a lower- income displaced person to choose between the URA rental assistance payment and a rental assistance payment calculated over a period of 60 months. This waiver of the Section 104(d) requirements assures uniform and equitable treatment by setting the URA and its implementing regulations as the sole standard for relocation assistance under the federal register notice. 4. Maximum Assistance and Cost Reasonableness Assessment DEO follows a cost analysis process as part of standard contracting procedures, which includes a review of each cost element to determine allowability, reasonableness, and necessity. Maximum assistance available to housing beneficiaries, as well as cost- effectiveness relative to other means of assistance, will be outlined in the DEO Disaster Recovery Program Housing Guidelines. Maximum assistance per beneficiary for infrastructure will be set by the applicant jurisdictions as part of the project submittal to DEO and will be considered by DEO upon review. Additionally, the Florida State Housing Initiatives Partnership program (SHIP), provides funds to local governments as an incentive to create partnerships that produce and preserve affordable homeownership and multifamily housing. Many local governments have participated in the program and have established local housing assistance plans, which include items such as housing incentive strategies, local policies to implement the incentive strategies, and partnerships to reduce housing costs 41. In order to ensure that housing assistance amounts are cost reasonable, the maximum amount of CDBG -DR assistance available to a beneficiary under Hurricane Irma recovery programs is $150,000. In cases of demonstrable hardship or where local housing markets warrant an increase of the cap, beneficiaries may propose an alternative cap to DEO for review and approval. An increased cap may also be used to provide funding for difficult or unexpected repairs above and beyond the housing caps. DEO will establish methods of cost reasonableness by conducting research on the services sought and procured. DEO will consult industry accepted trade organizations, past programs, and other regional grantees for input on costs for services being procured. DEO will define "demonstrable hardship" as exceptions to program policies for applicants who demonstrate undue hardship. Applicants in this situation will be reviewed on a case by case basis to determine whether assistance is required to alleviate such hardship. Demonstrable hardship may include, but is not limited to, excessive amounts of debt due to a natural disaster, prolonged job loss, substantial reduction to household income, death of a family member, unexpected and extraordinary medical bills, disability, etc. 5. Elevation Standards pp DEO will develop and implement resilient home construction standards, including ensuring that all structures designed principally for residential use and located in the 100 -year (or 1 percent annual chance) floodplain that receive assistance for new construction, repair of substantial damage, or substantial improvement, as defined at 24 CFR 55.2(b)(10), must be elevated with the lowest floor, including the basement, at least two feet above the 1 percent annual floodplain elevation. Mixed use structures with no dwelling units and no residents below two feet above the 1 percent annual floodplain must be elevated or flood proofed in accordance with FEMA flood - proofing standards at 44 CFR 60.3(c)(3)(ii) or successor standard, up to at least two feet above the 1 percent annual floodplain. 74 1 P a g e DRAFT for Public Comment April 20, 2018 Packet Pg. 90 B.1.a Page: 74 Number: 1 Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 1:59:25 PM NFIP gives insurance premium discounts at a higher rate to those structures elevated at 3' above base flood elevation. The State should consider increasing their standard to 3'. F- LL D D t7 m D U _ a> 0 v a> a> r cc D C (7 U 0 CO T C a> E M 0 d d D r C 0 E E 0 U O w 0 C 0 0 CL (D a r C m E E 0 U M I r . 3 I C M CL C I 0 r Q I O U) r C m E m r r Q Packet Pg. 91 B.1.a State of Florida Action Plan for ReeoVery Property owners assisted through the recovery program will be required to acquire and maintain flood insurance if their properties are located in a FEMA designated floodplain. This requirement is mandated to protect safety of residents and their property and the investment of federal dollars. Florida will ensure adherence to Section 582 of the National Flood Insurance Reform Act regarding the responsibility to inform property owners receiving disaster assistance that triggers the flood insurance purchase requirement that they have a statutory responsibility to notify any transferee of the requirement to obtain and maintain flood insurance, and that the transferring owner may be liable if he or she fails to do so. Additional Florida State Building Code requirements may apply, in addition to local codes as applicable. 6. Planning and Coordination DEO has consulted with and will continue to coordinate with the planning, preparation, and response community throughout the affected areas of the state. For more information on how DEO solicited input from communities around the state, please see Section 27 on Consultation. In addition to working with communities, DEO coordinated closely with partnering agencies including the Florida Division of Emergency Management (FDEM) and the Florida Housing Finance Corporation (FHFC). DEO played an active role in the recovery process by embedding CDBG -DR lead staff in the FEMA /FDEM Joint Disaster Field Office in Orlando. This allowed the team to participate in the National Disaster Recovery Framework, particularly the recovery support functions focused on economic recovery, community planning and capacity building as well as housing. Working closely with other state and federal counterparts in this environment gave the DEO team a better understanding of the challenges faced by communities as well as allowed the team to develop partnerships early on to help encourage leveraging of resources. In addition, it allowed the team to help support the development of recovery strategies to guide short and long -term recovery around the state. DEO continues to work closely with FDEM as these recovery support strategies are implemented and participates in coordination calls as well as face -to -face meetings to help address the unmet needs of communities. DEO continues to participate in the State Hazard Mitigation Plan Advisory Team and coordinates with FDEM mitigation staff on planning efforts that consider natural hazard risk. The State of Florida has a robust mitigation and resiliency planning field due to the natural hazard risk and unique challenges of the state's geography. DEO has also partnered with FDEM in the creation of guidance for the Statewide Post - Disaster Redevelopment Plan Planning Initiative, funded by the National Oceanic and Atmospheric Administration (NOAA). The initiative helps a community plan for the long -term disaster recovery period to ensure that they can recover faster and more efficiently, maintain local control over recovery and take advantage of opportunities to build back better. DEO also coordinated with the Florida Housing Finance Corporation throughout the recovery process. DEO is an ex- officio member on the FHFC board which ensures close coordination on decision making. This was especially helpful in ensuring coordination on short and long -term housing needs following a disaster. In addition to providing input on board action that will result in funding for affordable housing in disaster impacted areas, DEO and FHFC staff traveled to the Florida Keys to specifically discuss the post- disaster workforce housing challenges faced by these island communities. This gave both teams an opportunity to think how other federal funding sources, such as HOME and low- income housing tax credits, can be used in conjunction with CDBG -DR to meet remaining unmet needs. DEO plays a vital role in coordinating economic recovery following a disaster by serving as the primary agency for Emergency Support Function 18: Business, Industry and Economic Stabilization. In addition, the agency coordinates closely with the U.S. Department of Commerce, Economic Development Administration (EDA) and 75 1 P a, g e DRAFT for Public Comment April 20, 2018 Packet Pg. 92 B.1.a State of Florida Action Plan for ReeoVery Florida Small Business Development Centers (SBDC) Network to provide loans and other types of assistance, ensuring that businesses can open as quickly as possible and have the resources needed to recover. Following Hurricane Irma, DEO, in partnership with the EDA, hosted workshops on economic recovery resources around the state geared towards community and business leaders. This gave the team a unique perspective on some of the unmet needs and challenges related to economic recovery and allowed an opportunity for the agency to discuss how CDBG -DR funding might be used to support these recovery efforts. Through the state's response and recovery structure, coordination at the Joint Field Office, existing partnerships and participation in the National Disaster Recovery Framework, the State of Florida is cooperatively implementing robust recovery efforts. DEO does not anticipate pursuing additional disaster recovery and response planning activities at this time. 7. Infrastructure Activities DEO will encourage its subrecipients to incorporate mitigation measures into rebuilding activities by providing opportunities to leverage Hazard Mitigation Grant Program (HMGP) and Public Assistance (PA) mitigation funding on projects that are CDBG -DR eligible. By providing opportunities to leverage mitigation resources and prioritizing eligible projects that are included in countywide local mitigation strategies, capital improvement plans and other regional plans, DEO will encourage the advancement of long -term resilience to natural hazards and ensure that grantees are aligning investments with other local capital improvement projects as well as local and regional post - disaster recovery and mitigation plans. DEO will encourage subrecipients to consider the costs and benefits of the project when selecting CDBG -DR eligible projects. This will be completed by encouraging subrecipients to perform a self- assessment of each proposed project and selecting the project(s) that provide(s) the greatest impact within the confines of the budgeted grant amount. All projects proposed to DEO will undergo Affirmatively Furthering Fair Housing (AFFH) review before approval. Such review will include an assessment of the proposed project area's demography, socio- economic characteristics, environmental hazards or concerns, and other factors material to the AFFH determination. Applications should show that projects are likely to lessen area racial, ethnic, and low- income concentrations, and /or promote affordable housing in low- poverty, non - minority areas in response to natural hazard - related impacts. All subrecipients will certify that they will affirmatively further fair housing in their grant agreements. Applications providing service to vulnerable populations will receive enhanced weighting. DEO will rely on professional engineers, procured by the subrecipients, to employ adaptable and reliable technologies to guard against premature obsolescence of infrastructure and ensure that the construction or rehabilitation of stormwater management systems in flood areas will mitigate future flood risk. 8. Leveraging Funds DEO will encourage subrecipients to leverage CDBG -DR funds with funding provided by other federal, state, local, private, and nonprofit sources to utilize the limited CDBG -DR funds. This will be specifically encouraged for the homeowner buyout programs as well as infrastructure programs. By encouraging local governments to use CDBG- DR as match for the FEMA Hazard Mitigation Grant Program and Public Assistance Mitigation program, communities will be able to better utilize both of these funding sources as often local governments cannot afford 76 1 P a g e DRAFT for Public Comment April 20, 2018 Packet Pg. 93 B.1.a State of Florida Action Plan for ReeoVery match for HMGP and PA mitigation programs and CDBG -DR funding can go further if not funding a project fully DEO will report on leveraged funds in the DRGR system. 9. Protection of People and Property; Construction Methods The housing assistance provided under DEO's disaster recovery program will be built with emphasis on high quality, durable, sustainable, and energy efficient construction methods and materials. These include the following minimum standards: ■ Construction standards will be based on the Florida Building Code and must meet or exceed applicable requirements. ■ Construction will comply with the Green Building Standard for all new construction of residential buildings and for all replacement of substantially damaged residential buildings (i.e., where repair costs exceed 50 percent of replacement cost) under the Florida Green Building Coalition. ■ For rehabilitation construction, the state will follow the Green Building Retrofit Checklist to the extent applicable to the rehabilitation work undertaken, including the use of mold resistant products when replacing surfaces such as drywall. When older or obsolete products are replaced as part of the rehabilitation work, rehabilitation is required to use ENERGY STAR - labeled, WaterSense- labeled, or Federal Energy Management Program (FEMP)- designated products and appliances, or other equivalent. DEO will require contractors to establish compliant standards in their request for qualifications for housing contractors. Contractors will be required to utilize builders qualified through a request for qualifications process. To ensure full and open competition, contractors are required at a minimum to follow 24 CFR 570.489(g). Contractor procurement procedures will be monitored by DEO. DEO will provide a mechanism for homeowners to appeal the quality of the rehabilitation work. DEO will require a warranty period post- construction for housing with all work being performed by the contractor guaranteed for a period of one year. Information about the complainant's rights and how to file a complaint or appeal regarding the quality of work will be printed on all program applications and /or guidelines. Records of each complaint will be kept on file and DEO consultants will respond to complaints and appeals in a timely manner, or within 15 business days, when practical. DEO consultants will be responsible for follow -up on construction quality complaints. Construction quality appeals will be verified by inspection and monitored by DEO. As stated in the Federal Register, CDBG -DR funds are prohibited from being used to enlarge a dam or levee beyond the original footprint of the structure that existed prior to the disaster event. DEO will ensure that if subrecipients use CDBG -DR funds for levees and dams, the subrecipients will (1) register and maintain entries regarding such structures with the U.S. Army Corps of Engineers National Levee Database or National Inventory of Dams, (2) ensure that the structure is admitted in the U.S. Army Corps of Engineers PL 84 -99 Program (Levee Rehabilitation and Improvement Program), and (3) ensure the structure is accredited under the FEMA National Flood Insurance Program. DEO will upload into the DRGR system the exact location of the structure and the area served and protected by the structure and maintain file documentation demonstrating that the grantee has conducted a risk assessment prior to funding the flood control structure and that the investment includes risk reduction measures. 77 1 P a g e DRAFT for Public Comment April 20, 2018 Packet Pg. 94 B.1.a State of Florida Action Plan for ReeoVery 10. Program Income The state anticipates it may generate program income as part of the activities allowed under this allocation. Should any funds be generated, recovery of funds including program income, refunds, and rebates will be used before drawing down additional CDBG- DR funds. These amounts will be recorded and tracked in the state accounting systems and recorded in the DRGR system. The DRGR system requires grantees to use program income before drawing additional grant funds, and ensures that program income retained by one will not affect grant draw requests for other subrecipients. Subrecipients will be required to report program income quarterly and will be subject to applicable regulations and Community Development Program Directives. Retention of program income will be in compliance with the subgrant agreements. 11. Monitoring Standards and Procedures The state has adopted monitoring standards, including procedures to (i) ensure program requirements (including non - duplication of benefits) are met, and (ii) provide for continual quality assurance and adequate program oversight. These standards and procedures are included in the pre -award Implementation Plan as required by the Federal Register. Monitoring will be conducted by DEO to ensure that program activities progress toward timely completion and to allow for the early identification of potential issues and problems so they can be prevented or corrected. The DEO Disaster Recovery monitoring program includes desk monitoring and onsite monitoring with priority and frequency based on the results of a risk assessment of each subrecipient. The purpose of the risk assessment is to define the scope and focus of the monitoring efforts, including establishing a framework for determining the appropriate level of monitoring consistent with available resources. In addition, the risk assessment will be required each state fiscal year to guarantee continuous review of risks. DEO monitoring is based on criteria consistent with HUD guidance in assessing program risk. The risk assessment provides the basis for developing individual monitoring strategies and documents the decisions and recommendations regarding where to apply staff and travel resources for monitoring, training, and /or technical assistance. The Florida Auditor General and staff will act as the state's independent auditor and conduct financial audits of the accounts and records of state agencies. Where applicable, accounting policies and procedures of DEO should mirror the requirements of the Office of Auditor General. The State of Florida is dedicated to the prevention of fraud, waste, and abuse. All suspected cases of fraud will be taken seriously and complaints will be reported to DEO's Office of the Inspector General at OIG @deo.myflorida.com. If DEO determines that it is appropriate, it will coordinate its investigation with the Florida Office of the Inspector General for further investigation (1- 800 - 347 -3735, http: / /www.floridaoig.com /). 12. Broadband Infrastructure The rehabilitation of housing with four or more rental units in a building may be funded under this Action Plan. Should such activity become awarded under the state's program, DEO confirms that broadband infrastructure shall be installed, as required. 781 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 95 B.1.a State of Florida Action Plan for Recovery IV. PROJECTS AND ACTIVITIES 1. Method of Distribution Funds will be used solely for necessary expenses related to disaster relief, long -term recovery, restoration of housing, infrastructure, and economic revitalization in the impacted and distressed Florida counties resulting from Hurricane Irma as declared in DR -4337. To prioritize limited funding in areas with highest damage, DEO disaster recovery program assistance outlined in this Action Plan will be limited to counties (and municipalities within those counties) that received FEMA Individual Assistance (IA) declarations in addition to their Public Assistance (PA) declaration. FEMA- 4337 -DR, Florida Disaster Declaration as of 01/10/2018 AL GA FEMA MS AL GA Data Lay De,eription: The types of assistance that Lave beta designated for selected areas in the State of Florida. All designated areas in the State. of Florida are eligible to apply far assistance ender the Hazard Mitigation Grant Program. Designated Connties Public Assistance (Categories A and B) Individual Assistance and Public Assistance (Categories A amd B) Individual Assistance and Public Assistance (Categories A - G) Public Assistance (Categories A -G) W�E 25 50 75 100 Ma Data Saarres: FEMA, ESRL Initial Declaration: 09/10/2017 Disaster Federal Registry Notice: Amendment 414 - 01/10/2018 Datum: North American 1953 Projection: Lambert Conformal Conic Receiving an IA declaration in addition to a PA declaration indicates that the county had a significant amount of damage to housing in addition to public infrastructure. The following counties received both IA and PA assistance: 791 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 96 B.1.a State of Florida Action Plan for ReeoVery M Alachua Gilchrist Manatee C__ Putnam Baker Glades Marion Sarasota Bradford Hamilton Martin Seminole Brevard Hardee Miami -Dade St. Johns Charlotte Hendry Monroe St. Lucie Citrus Hernando Nassau Sumter Clay Highlands Okeechobee Suwannee Collier Hillsborough Orange Union Columbia Indian River Osceola Volusia Desoto Lafayette Palm Beach Dixie Lake Pasco Duval Lee Pinellas Flagler Levy Polk As required by Federal Register, Vol. 83, No. 28, Friday, February 9, 2018, DEO will use 80 percent of the allocation to address unmet needs within the HUD - identified Most Impacted and Distressed (MID) areas. This 80 percent MID area identified in the first allocation of funding is limited to Monroe, Miami -Dade, Duval, Lee, Polk, Collier, Brevard, Broward, Orange, and Volusia counties; 32068, 34266, 32136, and 32091 zip codes and the jurisdictions within the counties. DEO will ensure, as is required and identified in the Federal Register, that at least 70 percent of the entire CDBG Disaster Recovery grant award will be used for activities that benefit low- and moderate - income persons. 2. Program Budget DEO is the lead agency and responsible entity for administering $615,922,000 in Community Development Block Grant Disaster Recovery (CDBG -DR) funds allocated to the state for recovery. In accordance with the Register, DEO's aggregate total for indirect costs, administrative and technical assistance expenditures will not exceed 5 percent of the total grant ($30,796,100) plus program income. DEO will limit spending to a maximum of 20 percent of its total grant amount on a combination of planning, indirect and program administration costs. Planning costs subject to the 20 percent cap are those defined in 42 U.S.C. 5305(a)(12). State and local administration are capped at 5 percent in aggregate by federal regulations. The state wi 1 vide additional guidance to subrecipients regarding the amount of administrative funds available to the Q igible project delivery costs are presumed 80 1 P a g e DRAFT for Public Comment April 20, 2018 Packet Pg. 97 zM —_ Number: 1 Author: Hurley- Christine Subject: Sticky Note Date: 5/2/20182:03:10 PM Would this be for Land Acquisition for Affordable Workforce Housing and Voluntary Home Buyout Programs to pay for County administrative resources to implement these programs? H LL D D m D U _ a> 0 v d a> r cc D c (7 v 0 00 T c d E M 0 d d D r 0 E E 0 U O w 0 c 0 0 CL m a r c m E E 0 U t I r 3 I c m a r- 0 r 0 Q I O U) r c m E M m r r Q Packet Pg. 98 B.1.a State of Florida Action Plan for ReeoVery included as a portion of the overall CDBG -DR grant funding allocation provided to each sub recipient. Subrecipients will be responsible for properly tracking and monitoring these expenses that may not be included as part of the overall grant award to each individual project or individual applicant as applicable. Eighty percent of each program allocation listed below will be spent within HUD - identified most - impacted and distressed communities. Funding included as a minimum set -aside for Monroe County is a subset of the 80 percent that will be spent in most - impacted and distressed communities. The remaining 20 percent will be spent in state - identified most - impacted and distressed communities, which are listed in the table above. The program budget outlined is as follows: 811 Page DRAFT for Public Comment April 20, 2018 C d E E O U t I r 3 I C ca a I C O r v Q I LL O U) r c m E t m r Q Packet Pg. 99 Pro '1W MID Budget Breakdown $ Min Set- Estimated Average Program Total Budget 80% 20% Aside for Keys LMI Benefit Maximum Award award per unit Estimates # of Unit Housing Repair $273 $218 $54 $50 Program MWEE Workforce $80 $64,000,000 $16 $20,000,000 ��'. $8 Affordable Rental New Construction Program: LIHTC Workforce $20,000,000 $16 $4,000,000 $5 Affordable Rental New Construction Program: Small Rental Developments Land Acquisition $20,000,000 for Affordable Workforce Housing $16 $4,000,000 $10 $5 Voluntary Home 000 000 $10 $5 Buyout Program MW JWJWMI J, ONIN &nTION Recovery $20,000,000 Workforce Training $16 $4,000,000 MM Small Business $60 $41,000,000 12,000,000 Recovery Forgivable Loan MENEM Business Assistance $6 to new Floridians $4,800,000 PUBLIC SERVICES $1,200,000 from Puerto Rico t 811 Page DRAFT for Public Comment April 20, 2018 C d E E O U t I r 3 I C ca a I C O r v Q I LL O U) r c m E t m r Q Packet Pg. 99 B.1.a State of Florida Action Plan for ReeoVery To be N/A N/A N/A addressed N/A N/A N/A with next N/A N/A N/A allocation* STATE AND LOCAL P $30,796,100 N/A N/A N/A $30,796,100 N/A N/A N/A $615,922,000 1 $443,463,840 1 $110,865,960 1 $90,000,000 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A *Florida will receive an additional $791 million to support additional unmet need, including infrastructure and mitigation efforts through the CDBG -DR program. Funding for these programs will be included when the federal guidance is released. Program details will provide further detail on how each program will distribute funding. DEO will implement program management, monitoring, and oversight standards necessary to ensure compliance with state and federal requirements. 3. Basis for Allocations In consideration of the unmet needs assessment and HUD requirements, in order to prioritize limited funding in areas with highest damage, DEO disaster recovery program assistance outlined in this Action Plan will be limited to homeowners, Public Housing Authorities and local governments within counties (and cities within those counties) that received FEMA Individual Assistance (IA) declarations in addition to their Public Assistance (PA) declaration. Program thresholds outlined in Section 16 state that projects or programs must primarily support LMI housing. r c m E E 0 U t r 3 c m a r- 0 r Q LL O y 821 Page r c W E t m r DRAFT for Public Comment April 20, 2018 Q Packet Pg. 100 Number: 1 Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 2:05:37 PM I think a row should be inserted here to indicate there will be a program whereby we can use of CDBG -DR funding as match to HMGP programs that meet HUD objectives. Monroe County will be submitting HMGP applications for: - Acquisition; Demolition Reconstruction; Elevation; Wind Retrofit; and Acquisition Reconstruction. We are in need of match funding to leverage those HMGP program funding. H ILL D D m D U _ a> 0 v d a> r cc D c (7 L) 0 m T c d E CL 0 d d D r 0 E E 0 U O w 0 c 0 0 CL m a r c m E E 0 U t I r 3 I c m a c I 0 r 0 Q I O U) r c m E t m r r Q Packet Pg. 101 B.1.a State of Florida Action Plan for ReeoVery Summary Of Impact and Unmet Deeds 0 ra 7 5 54 $2 so Housing Infrastructure ■ Amount of Estimated Impact nAmount of Funds Available Economy Unmet Needs r $8,547,356,706 $4,274,430,191 $4,531,186,545 $17,352,973,442 $1,706,211,312 $3,886,914,370 $814,906,921 $6,408,032,603 E 0 $6,841,145,394 $387,515,822 $3,716,279,624 $10,944,940,840 V i t r_ c i m a i r- 0 r Q i u_ O U) r c m E t m r 83IPage DRAFT for Public Comment April 20, 2018 Q Packet Pg. 102 B.1.a State of Florida Action Plan for ReeoVery 4. Program Details Housing Activities The unmet housing needs in Florida due to Hurricane Irma are greater than housing assistance dollars available The federal notice (FR- 6066 -N -01) requires states to primarily consider and address unmet housing needs. To address these needs, DEO proposes the following programs which are described in more detail below: • Housing Repair and Replacement Program • Workforce Affordable Rental New Construction Program • Land Acquisition for Workforce Affordable Rental Program • Voluntary Home Buyout Program HUD requires DEO to define what would constitute a housing unit "not suitable for rehabilitation. DEO defines "not suitable for rehabilitation" as one of the two following definitions: 1. Residential properties that have experienced repetitive losses under FEMA's National Flood Insurance Program (NFIP). 2. Dwellings that are considered substandard and do not meet the recovery program's housing rehabilitation standards and /or federal, state, local code requirements shall not be deemed suitable for rehabilitation, as determined by the program and consistent with program guidelines. The determination may be established based on the calculation that the cost of rehabilitation is close to or exceeds the cost to reconstruct. Q 1 Housing Repair Program Housing Repair and Replacement The Housing Repair Program is a centralized housing rehabilitation or replacement program for low- and moderate - income families impacted by Hurricane Irma. DEO will manage and complete the construction process for the rehab or reconstruction of damaged homes on behalf of eligible applicants. With the assistance of staff and vendors, the state will work with a pool of qualified contractors assigned to repair, reconstruct or replace damaged properties. Applicants will not select their own contractors and will not contract directly with the construction contractor. ApplicV7-) II be required to enter into agreements with the state setting forth the terms and conditions of the progra DEO proposes the following housing assistance activities under this program: ■ Repairs to, reconstruction or replacement of housing units damaged by Hurricane Irma, which may include bringing the home into code compliance and mitigation against future storm impacts, including elevation. ■ The completion of work to homes that have been partially repaired. 3 • Repairs to replacement of, manufactured homes impacted by Hurricane Irma. 4 • Replacement of housing units that were included in the Home Buyout Progra Q ■ Temporary Housing Assistance based on individual household needs and their participation in the Housing Repair Program. 84 1 g e DRAFT for Public Comment April 20, 2018 Packet Pg. 103 B.1.a Number: 1 Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 2:07:43 PM My opinion: I would add a number 3: Substantially Damaged Structures (damaged >50% of building value) constructed below today's base flood elevation. These structures should not be rehabilitated. They should be replaced. Number: 2Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 2:08:58 PM Add here: including a requirement to deed restrict the home for future occupancy of low to moderate income households for 50 years. Number: 3Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 2:10:00 PM We are not in favor of repairs to manufactured homes. Replacement should be the goal to prevent future devastation as experienced in Hurricane Irma. lj Number: 4Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 2:12:38 PM This item seems in conflict with the wording under the Home Buyout Program. Home buyout program indicates the land must be returned to open space. This indicates the County could buy out and replace with a home. Just seeking clarification. To me, if a home buyout can occur at $150,000 maximum, then a replacement house could be put back on that lot for another maximum of $150,000 that would allow the creation of more affordable housing. H ILL D D t7 m D U _ N O V i N r N ca D C (7 V _O 00 T C N E CL O d M D T r 7 E E O U O w 0 c O O CL M a r c M E E O U M I r . 3 I C ca (L c I O r 0 Q I O U) r c M E M m r r Q Packet Pg. 104 B.1.a State of Florida Action Plan for ReeoVery ■ Acquisition of substantially- damaged housing units for housing redevelopment or buyouts of substantially- damaged properties may also be considered. The Housing Repair Program is a grant program and requires applicants to be primary resident homeowners or property owners of rental property as of the time of the Irma storm event (September 10, 2017). HUD's regulations regarding the use of grant funding for Hurricane Irma recovery state that an alternative requirement for housing rehabilitation is assistance for second homes. HUD is instituting an alternative requirement to the rehabilitation provisions at 42 U.S.C. 5305(a)(4) as follows: Properties that served as second homes at the time of the disaster, or following the disaster, are not eligible for rehabilitation assistance or housing incentives. A second home is defined under this notice as a home that is not the primary residence of the owner, a tenant, or any occupant at the time of the storm or at the time of application for assistance. DEO may adopt policies and procedures that provide for limited exceptions to providing assistance to a second home in order to meet specific disaster recovery needs (e.g., adding affordable housing capacity); provided however that such exceptions are developed in consultation with and approved by HUD prior to implementation. DEO can verify a primary residence using a variety of documentation including, but not limited to, voter registration cards, tax returns, homestead exemptions, driver's licenses and rental agreements. Additionally, seasonal, short -term and vacation rental properties are not eligible for assistance. DEO will implement construction methods that emphasize quality, durability, energy efficiency, sustainability, and mold resistance. All rehabilitation, reconstruction, and new construction will be designed to incorporate principles of sustainability, including water and energy efficiency, resilience, and mitigation against the impact of future disasters. DEO will implement and monitor construction results to ensure the safety of residents and the quality of homes assisted through the program. All housing units repaired or replaced must comply with the current HUD Housing Quality Standards (HQS). The housing assistance provided under the Housing Repair Program will be built with emphasis on high quality, durable, sustainable, and energy efficient construction methods and materials. These include the following minimum standards: • Construction standards will be based on the Florida Building Code and must meet or exceed applicable requirements. • Construction will comply with the Green Building Standard for all new construction of residential buildings and for all replacement of substantially damaged residential buildings (i.e., where repair costs exceed 50 percent of replacement cost) under the Florida Green Building Coalition. • For rehabilitation construction, the state will follow the Green Building Retrofit Checklist to the extent applicable to the rehabilitation work undertaken, including the use of mold resistant products when replacing surfaces such as drywall. When older or obsolete products are replaced as part of the rehabilitation work, rehabilitation is required to use ENERGY STAR - labeled, WaterSense- labeled, or Federal Energy Management Program (FEMP)- designated products and appliances, or other equivalent Properties with rehabilitation and /or elevation cost estimates that meet or exceed 75 percent of a comparable reconstruction or replacement house as determined by standard operating procedures and policies will provide homeowners the option to select a reconstructed or replacement house. Properties with rehabilitation and /or elevation cost estimates that meet or exceed a comparable reconstruction or replacement house may be required by the program may be limited to reconstruction or replacement as a more cost reasonable option and therefore required. Housing Repair Program homeowner - occupant participants household incomes cannot exceed 120 percent Area Median Income (AMI). P 1 85 1 F a, g e DRAFT for Public Comment April 20, 2018 Packet Pg. 105 B.1.a Page: 85 — Number: 1 Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 2:14:40 PM Add a new paragraph to outline how the assistance will work for rental housing. Something like this: Properties that served as rental property as of the time of the Irma storm event may be eligible for repair and /or replacement housing as long as the owner agrees to and records a deed restriction that future renters /occupants must be of low to moderate income. F- ILL D D t7 m D U _ a> 0 v d a> r cc D C (7 U 0 CO T C d E M 0 d d D r C 0 E E 0 U O w 0 C 0 0 CL m a r C m E E 0 U t I r 3 I C M CL C I 0 r Q I O U) Z.; C m E t m r r Q Packet Pg. 106 B.1.a State of Florida Action Plan for ReeoVery Coordinated Outreach The State's housing recovery program will have a common outreach strategy, executed by DEO in coordination with storm impacted area stakeholders including but not limited to: • Florida Division of Emergency Management; • Florida Housing Finance Corporation; • Local Government Emergency Management, Housing and Community Development Departments; • Volunteer Organizations Active in Disasters; and • Other stakeholder groups identified by DEO. Additionally, the housing program will have a single communications and branding strategy that will be leveraged in all its communication and public outreach activities. This information will be included in the housing program guidance developed after the approval of this plan. Leveraged Programs Properties located in a Home Buyout Program will n Oeligible for assistance under the Housing Repair Program. Properties already enrolled in other FEMA HMGP home repair and m'itlp@tion programs and eligible for Irma CDBG -DR assistance may only be eligible for the required matching fun c0i ect to case by case reviews of the HMGP project scope. Duplication of Benefits To prevent duplication of benefits, DEO will require that all sources (federal, State, local, private) and amounts of disaster housing assistance received or reasonably anticipated to be received are documented with submission of an application for CDBG -DR funding. Duplication of benefits for housing assistance will only consider other sources of funding pertaining to structural damage caused by the hurricane. Assistance for contents and personal items will not be considered duplication. Prior to program - related construction, applicant awardees must submit any additional funds received for housing damage caused by the presidentially- declared hurricane disaster to the State to avoid duplication of benefits. CDBG -DR funding must be the funding of last resort. Any additional funds paid to applicant awardees for the same purpose as the housing assistance award after the State has completed the repair, rehabilitation, or replacement of the applicant's housing units must be returned to DEO. Program Priorities Recognizing that the $273 million allocated for owner - occupied housing and rental properties will likely not address all need, at -risk and vulnerable populations with the greatest needs will be prioritized. At a minimum, 70 percent of program funds meet a low- and moderate - income national objective. Households with income higher than 120 percent of AMI will not be eligible for this program. Households with one or more of the below facts will be prioritized and processed in the order that they complete an application. • Households with seniors age 65+ • Households with children age 5 or younger • Households with special needs or special accommodation requirements (disabled) Vaward ow- to very -low incomes As agreements in either set of reserved funds approaches full obligation, DEO will analyze remaining potential eligible applicant pipeline and may choose to re- allocate funds from one reserved amount to the other or place remaining applicants on hold until priority household applicants are fully processed and needs most realized. As program application intake production is monitored, DEO may choose to adjust the percentage of reserved funding or re- allocate additional funding from other programs with less production to maximize assistance for priority applicants eligible and seeking Housing Repair Program assistance. 861 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 107 B.1.a — Number: 1 Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 2:16:03 PM Seeking clarification: This statement seems in conflict with the bulleted item on page 84: - Replacement of housing units that were included in the Home Buyout Program. Number: 2Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 2:17:41 PM Will the match funding come out of the total award for the Repair program? Or will a separate program be created for match funding. Page 95 has a section labeled "Use of CDBG -DR as Match ". I cannot tell if this will be a separate program? Number: 3Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 2:18:48 PM I recommend an addition of: Workforce housing; Substantially damaged homes; and Repetitive Loss properties be added as priorities. Ir LL D D t7 m D U _ N O V d i N r N cC _N D C L) _O 00 T C d E CL O d d D T r C 7 E E O U O LU 0 C O O CL m a r C m E E O U t I r 3 I C M CL C I O r Q I O U) Z.; C m E t m r r Q Packet Pg. 108 B.1.a Rate ®f Rorlda Actl ®n RenforDisaster ftcovey Basis for Calculating Housing Assistance Awards If eligible and awarded, housing assistance award calculations may be based on the following factors: 1. In order to ensure that housing assistance amounts are cost reasonable, the maximum amount of CDBG -DR assistance available to a beneficiary under the Housing Repair Program is $150,000. In cases of demonstrable hardship or where local housing markets warrant an increase of the cap, beneficiaries may propose an alternative cap to DEO for review and approval. An increased cap may also be used to provide funding for difficult or unexpected repairs above and beyond the housing caps. 2. A review of all funding received by the applicant from any source to calculate the total previous assistance received by the applicant and to ensure no Duplication of Benefits (DOB); 3. Damage /scope of project work needed; and, 4. Reconstruction or Replacement Value Housing assistance awards will be determined after factoring in the inputs listed above, subtracting any duplication of benefit and qualified offsets for eligible repair estimates, and then factoring in the pre- determined program assistance maximums that apply to the housing assistance activities to be used. Funds qualified as DOB may be required in support of the overall construction assistance provided. Awards may include expenses for additional related costs such as green building and mitigations requirements, elevation, insurance, ADA modifications, repair or replacement of water, sewer and utility connection needs. Cost effective energy measures and improvements that meet local zoning and code, Decent Safe and Sanitary (DSS) or required Housing Quality Standards (HQS), especially those improvements which add enhanced resilience, such as elevation of major electrical components, roof strapping and other items are also eligible. Environmental review and determined required remediation for items such as lead -based paint abatement, asbestos abatement, or other remediation components shall also be eligible. Elevations will be included for applicants that meet requirements determined by the program, including substantially damaged properties as per locally approved floodplain requirements. Elevation will be evaluated on a case by case basis. Elevations will not be conducted on properties outside of the floodplain, with the possible exception where elevation is required by local ordinance. DEO will follow HUD guidance to ensure all structures, defined at 44 CFR 59.1, designed principally for residential use and located in the 1 percent annual (or 100 -year) floodplain, that receive assistance for new construction, repair of substantial damage, or substantial improvement, as defined at 24 CFR 55.2(b)(10), will be elevated with the lowest floor at least tw Q o feet above the 1 percent annual floodplain elevation. If located in a 100 -year floodplain, the applicant will be required by federal assistance to maintain flood insurance and notify future owners or flood insurance requirements. Federal law requires people who live in a floodplain and previously received Federal disaster funds to repair their homes as the result of a flood to carry flood insurance in perpetuity on that property. The Robert T. Stafford Disaster Relief and Emergency Assistance Act prohibits the receipt of disaster assistance because of lack of required flood insurance; accordingly, whether a property is subject to this requirement will be reviewed during the eligibility phase of the program. If an applicant is eligible for program assistance, a covenant will be required to be placed on the property requiring that flood insurance be maintained on that property in perpetuity. An award may alsoe assistance to pay for up to the first two years of flood insurance premiums for eligible program applican Q ch parameters to determine eligibility for assistance with flood insurance premiums shall be further defined in the state's policies and procedures. 871 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 109 B.1.a — Number: 1 Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 2:19:29 PM Recommend Y above base flood elevation. — Number: 2Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 2:20:58 PM Not sure this is a good idea. This could establish an expectation. Owners should be able to afford this insurance or they might not be a good fit for homeownership. Repairing or rebuilding to higher elevations can result in significant insurance cost savings. $9,500 /year $1,410 /year $427 / year $95,000110 years $14,100110 years $4,270/10 years BFE — —"� B�FE� — — — BFE — — Packet Pg. 110 B.1.a State of Florida Action Plan for ReeoVery Allocation for Activity: $273,329,800 Eligible Applicants: Homeowners whose primary residence sustained damage from Hurricane Irma and property owners of rental housing. Eligibility Criteria: For homeownership, homeowner applicants earning 80% or under of AMI. 1 The February 9, 2018 Federal Register notice does not allow assistance t Q • (a) Households with incomes that are greater than 120% AMI or the national median • (b) properties located in a floodplain at the time of the disaster, and • (c) property owners who did not maintain flood insurance on the damaged property, even when the property owner was not required to obtain and maintain such insurance. Owners of rental properties are also eligible for the Housing Repair Program roviding that the assisted rental property remains affordable for LMI tenants for a minimum of 20 years. Q Maximum Award: $150,000 Responsible Entity for Administering: Florida Department of Economic Opportunity Eligibility: 105(a)(4) National Objective: Low- and moderate - income benefit Limited Temporary Relocation Assistance Limited temporary relocation assistance will be provided, at the discretion of DEO, to applicants needing to move out of homes during construction on a case -by -case basis. Assistance will be determined based on priority populations and resources available on a case -by case basis for eligible applicants. Mobile Homes and Manufactured Homes 0 Mobile homes or manufactured homes may be eligible for rehabilitation under this program. However, to be cost effective, the mobile home to be rehabilitated must be no more than five years old at the time of assistance and the repair costs necessary to rehabilitate the mobile /manufactured home must not exceed $5,000 (hard and soft construction costs). Any mobile /manufactured home that is older than five years old or has an estimated repair cost greater than $5,000 shall require the mobile /manufactured home to be replaced with another mobile /manufactured home. The home must meet HQS upon completion. Summary Eligibility Requirements DEO housing repair program will serve primary resident homeowners and owners of rental property in HUD and state - identified most impacted and distressed counties. Homeowners must prove Irma storm damage to qualify for home repair, reconstruction or replacement assistance. The following additional eligibility criteria apply: A. Home was impacted by Irma (DR- 4337). The property must have documented damage because of the declared discs r. Home repair needs will be documented by FEMA, SBA, and /or a privately contracted 4 inspection.Q B. Single occupancy homes served first. DEO may decide to serve owner occupied homes with rental units later in the program Q C. All applicants must own a single - family home, mobile /manufactured home, or rental property located within one of the most impacted counties and zip codes prior to the Irma storm event. 881 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 111 B.1.a — Number: 1 Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 2:24:51 PM Please clarify this as written. The entire Keys are in a floodplain (except a small portion of Key West and Key Largo). Heather Martin emailed me the specific HUD requirement and it reads differently than I interpret what is written here. If needed cite the HUD regulation (2) The Department is instituting an alternative requirement to 42 U.S.C. 5305(a)(4) as follows: Grantees receiving funds under this notice are prohibited from providing CDBG -DR assistance for the rehabilitation /reconstruction of a house, if (a) the combined household income is greater than 120% AMI or the national median, (b) the property was located in a floodplain at the time of the disaster, and (c) the property owner did not maintain flood insurance on the damaged property, even when the property owner was not required to obtain and maintain such insurance. When a homeowner located in the floodplain allows their flood insurance policy to lapse, it is assumed that the homeowner is unable to afford insurance and /or is accepting responsibility for future flood damage to the home. HUD is establishing this alternative requirement to ensure that adequate recovery resources are available to assist lower income homeowners who reside in a floodplain but who are unlikely to be able to afford flood insurance. Higher income homeowners who reside in a floodplain, but who failed to secure or decided to not maintain their flood insurance, should not be assisted at the expense of those lower income households. Therefore, a grantee may only provide assistance for the rehabilitation/ reconstruction of a house located in a floodplain if (a) The homeowner had flood insurance at the time of the qualifying disaster and still has unmet recovery needs; or (b) the household earns less than the greater of 120% AMI or the national median and has unmet recovery needs. — Number: 2Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 2:25:06 PM Not long enough. 50 years. \ Number: 3Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 2:26:21 PM Given the vulnerability of the Florida Keys and the damage caused to mobile homes in hurricane Irma, we are not in favor of this as an eligible activity. Mobile homes should be eligible for replacement with a home that meets the Florida Building Code and Floodplain regulations. � Number:4Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 2:26:56 PM Add another alternative: or county post storm inspection documented damage. Number: 5Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 2:27:16 PM I do not understand what this is? Packet Pg. 112 B.1.a State of Florida Action Plan for ReeoVery D. Households that make above 120 percent of the area median income and are in iod zone that failed to maintain flood insurance at the time of the hurricane will not be eligibl� receive funding to rehabilitate or rebuild their home. Workforce Affordable Rental New Construction Program DEO will work in partnership with the Florida Housing Finance Corporation (FHFC) to manage a program that will result in the construction of new affordable rental housing in areas impacted by Hurricane Irma and in areas that experienced a population influx because of migration from Puerto Rico and the U. S. Virgin Islands due to Hurricane Maria. FHFC will serve as a sub - recipient to DEO. The Workforce Affordable Rental New Construction Program will provide two different funding mechanisms to facilitate the creation of quality, affordable housing units to help Florida build resiliency and alleviate the rental stock shortage caused by the storms in the most impacted areas of the state. This affordable housing is also intended to serve vulnerable population and reduce the risk of homelessness. CDBG -DR funds will be provided as zero - interest, non - amortizing loans (including forgivable loans) to qualified developers to leverage other sources of funds and as stand -alone financing to support development. Development will be new construction and may include re- evelopment of uninhabitable dwellings. Any new rental housing will have an affordability period of 20 year Q G -DR funds will be awarded to eligible applicants through a competitive application process. DEO proposes the following Workforce Affordable Rental New Construction Program activities under this program: DEO will work in partnership with FHFC to leverage CDBG -DR funds with Low Income Housing Tax Credits, with or without Tax - Exempt Bond Financing. DEO will work in partnership with FHFC to utilize stand -alone CDBG -DR funds to provide zero - interest loans to create smaller, new multi - family developments. Affordable Rents We will use FHFC's definition of affordable rents which are defined at the following website: http: / /www.floridahousing.org /docs /default- source /developers- and- property- managers /compliance /2018 combined income limits - rent limits - fhfc rental programs 3-30 - 18.pdf ?sfvrsn= 3926347b 2 Workforce Affordable Rental New Construction: Low Income Housing Tax Credits with or without Tax - Exempt Bond Financing Where appropriate in the HUD - identified most - impacted and distressed communities, CDBG -DR funds can be effectively leveraged with 4% Low Income Housing Tax Credits and Tax - Exempt Bond Financing, or 9% Low Income Housing Tax Credits in limited high -cost areas, to produce new affordable housing rental units. The CDBG -DR funds will be provided as zero - interest forgivable loans to eligible private for - profit and nonprofit housing developers, local governments and public housing authorities. Maximum subsidy limits will follow the applicable HOME Investment Partnership Program per -unit limits and will target low and moderate - income households. The units created under this program, at a minimum, will follow the established HOME Program Rent schedule or any other funding source used to finance the 891 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 113 B.1.a - Number: 1 Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 2:27:51 PM This is problematic. — Number: 2Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 2:28:12 PM Not long enough. Recommend 50 years. t— LL D D m D U _ a> 0 v d a> r cc D C (7 U 0 m T C d E M 0 d d D r C 0 E E 0 U O w 0 C 0 0 CL m a r C m E E 0 U t I r 3 I C M CL C I 0 r Q I O U) Z.; C m E t m r r Q Packet Pg. 114 B.1.a State of Florida Action Plan for ReeoVery development with a more restrictive rent schedule and will be set -aside for the required CDBG -DR affordability period plus the longer affordability periods required by the FHFC Tax - Exempt Bond and /or the Low - Income Housing Tax Credits. To be considered for funding, eligible applicants will be required to show ability to proceed with construction, demonstrate experience in developing affordable housing in size and scope of the proposed development and have a financing structure that leverages CDBG -DR funding. To ensure feasibility, the proposed development will be underwritten in accordance with underwriting standards in place at FHFC. Allocation for Activity: $80,000,000 Eligible Applicants: Eligible Applicants will include private for - profit and nonprofit housing developers, local governments and public housing authorities with experience developing and managing rental properties in size and scope of the proposed development. Eligibility Criteria: The proposed developments must help address the unmet need in the HUD - identified most - impacted and distressed areas, or other areas impacted by the storms and deemed as a priority by the State All developments funded will be required to meet the following criteria: • Green Building Standards • Energy Efficiency Standards • Accessibility and Visitability Standards • Resiliency Standards Maximum Award: $8,000,000 Responsible Entity for Administering: Florida Housing Finance Corporation Eligibility: 105(a)(4) National Objective: Low- and moderate - income benefit Workforce Affordable Rental New Construction: Funding for Small Rental Developments In some areas of the state impacted by the storms, particularly in the HUD - identified most - impacted and distressed areas, it is not feasible to finance new rental development with Tax - Exempt Bond Financing. This is primarily due to the need for smaller properties where Tax - Exempt Bond financing is not cost effective. In these areas, CDBG -DR will be used to provide stand -alone or the primary source of funds needed to finance the development. CDBG -DR funds will be provided as zero - interest, forgivable loans to eligible private for - profit and nonprofit housing developers, local governments and public housing authorities. Developments in this strategy will be 50 units or less to ensure project viability in small, less populated counties and areas. Maximum subsidy limits will follow the applicable HOME Investment Partnership Program per -unit limits and will target low and moderate - income households. The units created under this program, at a minimum, will follow the established HOME Program Rent schedule or any other funding source used to finance the development with a more restrictive rent schedule and will be set -aside for the required CDBG -DR affordability period plus an additional extended use period required by FHFC. To be considered for funding, 90 1 P a g e DRAFT for Public Comment April 20, 2018 Packet Pg. 115 B.1.a b e r s i � r ., 1 h •r, eligible applicants will be required to show ability to proceed with construction and demonstrate experience in developing affordable housing in size and scope of the proposed development. To ensure feasibility, the proposed development will be underwritten in accordance with underwriting standards in place at FHFC. Allocation for Activity: $20,000,000 Eligible Applicants: Eligible Applicants will include private for - profit and nonprofit housing developers, local governments and public housing authorities with experience developing and managing rental properties in size and scope of the proposed development. Eligibility Criteria: The proposed developments must help address the unmet need in the HUD - identified most - impacted and distressed areas, or other areas impacted by the storms and deemed as a priority by the State All developments funded will be required to meet the following criteria: • Green Building Standards • Energy Efficiency Standards • Accessibility and Visitability Standards • Resiliency Standards Maximum Award: $5,000,000 Responsible Entity for Administering: Florida Housing Finance Corporation Eligibility: 105(a)(4) National Objective: Low- and moderate - income benefit 0 2 Voluntary Home Buyout Program Q Reducing the risk of flooding in residential areas is a priority for the State of Florida. The Florida Division of Emergency Management (FDEM) has recommended that all counties focus on acquisition of properties without flood insurance in Special Flood Hazard Areas. Recognizing this great need, DEC) will create a voluntary home buyout program to encourage risk reduction through the acquisition of residential property in high flood risk areas. DEC) will hire a contracted team to work with counties who are interested in pursuing the buyout projects to support and provide: • Appraisals • Title and legal services • Environmental review, and • Related buyout processes. 3 Counties that are interested in participating will have t tential funding options for pursuing home buyout. The first option is to leverage CDBG -DR funding as match for projects that are also eligible for the Hazard Mitigation Grant Program (HMGP). The second option is to work directly with DEC) on projects located in low - and moderate - income area to buyout residential areas in support of permanent open space supporting green infrastructure or other floodplain management systems. 911 P a g e DRAFT for Public Comment April 20, 2018 Packet Pg. 116 B.1.a Page: 91 —_ Number: 1 Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 2:29:06 PM We look forward to understanding how the land acquisition for affordable workforce housing program will be developed. Number: 2Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 2:30:53 PM Will there be administrative funds for County expenses to cover staffing to run programs? — _ Hurley- Christine Subject: Sticky Note Date: 5/2/2018 2:30:31 PM Recommend adding a 3rd option. The third option is to work directly with DEO on projects located in low and moderate income areas to buyout residential areas in support of development of low to moderate income workforce rental housing as a replacement housing type. Packet Pg. 117 B.1.a State of Florida Action Plan for ReeoVery DEO will prioritize home buyout projects that focus on the acquisition of concentrations of residential areas that meet low- and moderate - income area requirements. The CDBG -DR driven buyout program will be required to meet a low- moderate area (LMA) benefit for funding so that DEO meets or exceeds its overall low- and moderate - income support requirements. Cities and counties that are interested in this program will work with the DEO contracted team to determine feasibility of the project. Once a project is determined feasible, it will be eligible for funding in this program. Local governments are encouraged to leverage matching funds under this program and will also be eligible to include homeowner incentives to encourage relocation. Additional criteria for the both homeowner buyout program options, including a process map for coordination with the Florida Division of Emergency Management will be detailed in Home Buyout Program guidance to be released after the approval of this action plan. DEO will manage subrecipient agreements directly with eligible local governments and coordinate with our partners at FDEM on project application evaluation, required environmental and cultural resource reviews and program implementation, where applicable. Allocation for Activity: $75,000,000 Eligible Applicants: Counties and municipalities within those counties that received a declaration of both FEMA IA and PA after Hurricane Irma. Eligibility Criteria: Buyout areas that result in a feasible project that will meet a LMA benefit. Maximum Award: $5,000,000 Responsible Entity for Administering: Units of General Local Government (UGLG) Eligibility: 105(a)(1), 83 FR 5844 -35 Housing incentives in disaster - affected communities National Objective: Low- and moderate - income benefit Creative compatible reuse of the property DEO will create guidance and best practices for communities to consider on how property that is acquired through this program can be utilized for public benefit, that meet HUD requirements for permanent green space. This may include creative stormwater design, park space and other examples. Communities that participate in this program will be encouraged to have a plan for how this property will be used in the future to further reduce flood risk and /or serve as a recreational space for the public. Economic Revitalization Activities As recognized in the unmet needs assessment, businesses and local economies were impacted by Hurricane Irma. Further, it is anticipated that recovery and redevelopment needs will likely stress the current construction workforce, leading to the need for programs to support the growth of the skilled labor workforce. To address these needs, DEO will implement the following programs: 921 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 118 B.1.a State of Florida Action Plan for ReeoVery • Workforce Recovery Training Program • Business Recovery Grant Program Workforce Recovery Training Program The impacts of Hurricane Irma continue to pose significant challenges for residents of impacted communities to recover, including the needs for skilled labor. In order for the recovery process to continue, the need for skilled labor is vital. DEO, through its Division of Workforce Services, will utilize existing programs to bolster workforce recovery training throughout the state of Florida caused by Hurricane Irma. The Division of Workforce Services partners with CareerSource Florida and the state's 24 Local Workforce Development Boards to strengthen Florida's business climate by supporting employers and helping Floridians gain employment, remain employed, and advance in their careers. To ensure that there are resources to support the high demand of remaining work caused by Hurricane Irma, DEO will implement a workforce recovery training program that may include but may not be limited to the areas of: • Roofing • Masonry • Carpentry • Concrete finishers • Plumbing • HVAC (heating, ventilation, and air conditioning) • Electricity • Heavy equipment operations • Customized training • On- the -Job Training (OJT) The Section 3 program requires that recipients of CDBG -DR provide to the greatest extent possible training, employment, contracting and other economic opportunities to low- and very low- income persons. DEO will work with its Division of Workforce Service to make sure successful graduates and residents receiving public housing assistance are referred to both programs and businesses supported by or working on CDBG -DR funded projects are referred to graduates of this training to meet their contracted Section 3 goals. Allocation for Activity: $20,000,000 Maximum Award: N/A Responsible Entity for Administering: DEO, CareerSource Florida, Local Workforce Development Board Eligibility: 105(a)(8) National Objective: Low- and moderate - income benefit 1 Business Recovery Grant Program Q Small businesses are the lifeblood of local economies throughout the state. This can include typical small shops and restaurants in communities, along with the farmers and fisherman that are important to the agriculture and commercial seafood industries in Florida. As evident in the unmet needs assessment, many of these small business owners were impacted by Hurricane Irma. Wind and flood events can damage structures, destroying 93 1 j a g e DRAFT for Public Comment April 20, 2018 Packet Pg. 119 Page: 93 Number: 1 Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 2:31:41 PM This is not a Florida Keys set aside. Will Monroe County be eligible to apply for these funds for small businesses. LL D D t7 m D U _ a> 0 v d a> r cc D c (7 v 0 m r c d E CL 0 d d D r 0 E E 0 U O w 0 c 0 0 CL m a r c m E E 0 U t I r 3 I c m (L r- 0 r 0 Q I O U) r c m E m r r Q Packet Pg. 120 B.1.a State of Florida Action Plan for ReeoVery vital equipment and inventory. While many business owners have insurance for structures and some also carry insurance on building contents, events such as these can require these small business owners to dip into savings accounts to complete bare minimum repairs and replacements to ensure that doors can remain open and work can be done to harvest crops and seafood. Recognizing this impact, DEC) will create a grant program for eligible business owners who are seeking reimbursement for the cost of replacing equipment and inventory damaged by Hurricane Irma. The repayment of Small Business Administration (SBA) loans is not allowed under federal guidance for this funding and documentation of impacts from Hurricane Irma will be required. Additional guidance on the application process, eligibility and program management will be defined after approval of this action plan in state guidance issued on this program. Allocation for Activity: $60,000,000 Eligible Applicants: Small business owners. Eligibility Criteria: Small businesses with equipment and inventory damaged by Hurricane Irma. Maximum Award: $50,000 Responsible Entity for Administering: DEC) Eligibility: 105(a)(14) National Objective: LMI jobs Public Assistance As recognized in the unmet needs assessment, new Floridians who are migrating from Puerto Rico because of Hurricane Irma need support in rebuilding their lives. DEC) proposes a public assistance program to support this new population. Business Assistance to New Floridians from Puerto Rico Hurricane Maria left devastating impacts on the island communities of Puerto Rico, forcing many families to flee to other parts of the United States seeking shelter and new opportunities. As documented in the unmet needs assessment, the State of Florida has served as a refuge for many of those displaced by Hurricane Maria. As new Floridians, this migrated population is seeking out assistance in assimilating to the business climate and practices of the State. This is especially true in the Tampa Bay area, Central Florida and Southeast Florida. To ensure that there are resources to support these new Floridians, DEC) will implement a public assistance program for new businesses and entrepreneurs who have migrated from Puerto Rico. This program may include: • Business plan guidance, • Information about specific regional markets, • Accounting and legal assistance, • Licensing and permitting guidance, along with • Seminars and other forms of assistance. 941 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 121 B.1.a State of Florida Action Plan for ReeoVery These services will be provided in Spanish to and will target specific communities that have received a recent influx of population following Hurricane Maria. Through this program, families impacted by storms in Puerto Rico will be able to establish thriving businesses and rebuild their lives in Florida. Allocation for Activity: $6,000,000 Maximum Award: N/A Responsible Entity for Administering: DEC) Eligibility: 105(a)(8) National Objective: Low- and moderate - income benefit Infrastructure Repair and Mitigation Activities P 1 The State of Florida has made significant investments in mitigation over the past 25 years to ensure that infrastructure is able to withstand the impacts of wind and flood events. Hurricane Irma was a success story for the state in that infrastructure damage assessments were not as high as initially projected due to this major statewide investment. DEC) will continue to strengthen the state's infrastructure by creating an Infrastructure Repair and Mitigation Program that allows communities to use CDBG -DR to leverage other funding sources such as the Hazard Mitigation Grant Program (HMGP), 406 Public Assistance (406 PA) Mitigation Program. Some communities are not able to fully utilize these other resources following a disaster because reserve cash funds are exhausted by disaster recovery efforts and they cannot meet local match requirements. Allowing local governments to leverage CDBG -DR funding as match will enable communities, especially smaller and rural local governments, to better utilize all resources available to them. Infrastructure Repair and Mitigation Program The Federal Register Notice requires CDBG -DR recipients to consider housing needs first. DEC) will focus the original CDBG -DR allocation of $616 million on addressing remaining housing and economic development unmet needs. HUD has announced that Florida will receive an additional allocation of $791 million and it is anticipated that a portion of this funding will go to the Infrastructure Repair and Mitigation Program. Additional guidance will be released in the federal register on how this funding can be used by states. DEC) will further define this program in an amendment to this action plan, based on this guidance. 5. Use of CDBG -DR as Match Additionally, funds may be used to meet a matching, share, or contribution requirement for any other federal program when used to carry out an eligible CDBG -DR activity. This includes programs or activities administered by the Federal Emergency Management Agency (FEMA) or the U.S. Army Corps of Engineers ( USACE). By law, the amount of CDBG -DR funds that may be contributed to a USACE project is $250,000 or less. Note that the Appropriations Act prohibits supplanting the use of CDBG —DR funds for any activity reimbursable, or for which funds are also made available, by FEMA or USACE. 951 Pvge DRAFT for Public Comment April 20, 2018 Packet Pg. 122 B.1.a Page: 95 — Number: 1 Author: Hurley- Christine Subject: Sticky Note Date: 5/2/2018 2:32:54 PM This is not a Florida Keys set aside program. Will the Keys be eligible to apply for this funding. Further, this seems different from the language on page 72 that discusses infrastructure that serves affordable housing will be the eligible program type. LL D D t7 m D U _ a> 0 v d a> r cc D C (7 U 0 CO T C d E M 0 d d D r C 0 E E 0 U O w 0 C 0 0 CL m a r C m E E 0 U t I r 3 I C M CL C I 0 r Q I O U) r C m E t m r r Q Packet Pg. 123 B.1.a State of Florida Action Plan for ReeoVery 6. Ineligible Activities Ineligible activities identified in the Federal Register, Vol. 83, No. 28, Friday, February 9, 2018, include the use of CDBG -DR for forced mortgage payoff, construction of a dam /levee beyond original footprint, incentive payments to households that move to disaster - impacted floodplains, assistance to privately owned utilities, not prioritizing assistance to businesses that meet the definition of a small business, or assistance for second homes and activities identified in 24 CFR 570.207. All activities and uses authorized under Title I of the Housing and Community Development Act of 1974 and allowed by waiver. 7. Method of Distribution DEO has designed this CDBG -DR program in compliance with the National Program objectives, and will ensure that assistance is prioritized toward the most disadvantaged populations to address unmet housing needs. Florida intends to spend a minimum of 70% of program funds on activities that benefit the Low - and - Moderate Income (LMI) population. LMI status is determined by evaluating income as a percentage of the Area Median Income (AMI) in the region in which the applicant lives. As stewards of federal CDBG funds, DEO complies with the HUD mission to develop viable communities by the provision of decent housing, a suitable living environment and expanding economic opportunities, principally for LMI persons. To this end, all funded activities administered by the State of Florida will meet one of three named HUD national objectives: 1. Benefitting LMI Persons; 2. Preventing or Eliminating Slum or Blight; or 3. Meeting Urgent Needs. In addition, a minimum of 80 percent of funding will be spent in HUD - identified most - impacted and distressed areas, with the 20 percent of funding spent in state - identified most - impacted and distressed areas, as detailed on page 16. Given the extent of catastrophic damage seen in Monroe County, the Florida Keys will get a minimum program set -aside for many of the programs established in this plan. Further distribution criteria is outlined in the above descriptions, specific to each program. 961 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 124 C /2 /b State of Florida Action Plan for ReeoVery V. LOCATION, MITIGATION MEASURES AND URGENT NEED 1. Presidentially - Declared County All activities must be in a Presidentially - declared county that is eligible for assistance under FEMA declaration 4337 for Hurricane Irma, as outlined in this Action Plan. 2. Mitigation Measures DEO will encourage subrecipients to incorporate preparedness and mitigation measures into rebuilding activities. This helps to ensure that communities build back safer and stronger than prior to the disaster. Incorporation of these measures also reduces costs in recovering from future disasters. Mitigation measures that are not incorporated into those rebuilding activities must be a necessary expense related to disaster relief, long -term recovery, and restoration of infrastructure. 3. Use of Urgent Need The Unmet Needs Assessment documents unmet need in housing, infrastructure, and economy throughout the impacted areas. The state will seek to meet the requirement that 70 percent of funds are utilized for Low -and- Moderate (LMI) income families. Program activities are presumed to meet the use of Urgent Need as a national objective if they occur in the sectors and regions, particularly for housing and infrastructure activities, that were impacted as documented in the Unmet Needs Assessment. However, the state will first seek to determine if the activity meets the LMI national objective before utilizing the Urgent Need national objective. Pursuant to the Federal Register, Volume 83, No. 28, February 9, 2018 the CDBG certification requirements for documentation of urgent need, located at 24 CFR 570.483(d), are waived and replaced with an alternative requirement. Formal certification statements to qualify an activity as meeting the urgent need national objective is no longer needed. Instead DEO and subrecipients will document how each program and /or activity funded under the urgent need national objective responds to a disaster - related impact. 97 1 P v g e DRAFT for Public Comment April 20, 2018 Packet Pg. 125 B.1.a State of Florida Action Plan for ReeoVery VI. Citizen Participation The citizen participation plan for the Hurricane Irma allocation will provide a reasonable opportunity of at least 14 days for citizen comment and ongoing citizen access to information about the use of grant funds. Before DEO adopts this action plan or any substantial amendment to this plan, DEO will publish the proposed plan or amendment on www.floridaoobs.org /cdbg -dr DEO's main website. DEO and /or subrecipients will notify affected citizens through electronic mailings, press releases, statements by public officials, media advertisements, public service announcements, newsletters, contacts with neighborhood organizations, and /or through social media. DEO will ensure that all citizens have equal access to information about the programs, including persons with disabilities (vision and hearing impaired) and limited English proficiency (LEP). A Spanish version of the Action Plan will be available. DEO consulted the "Final Guidance to Federal Financial Assistance Recipients Regarding Title VI, Prohibition Against National Origin Discrimination Affecting Limited English Proficient Persons," published on January 22, 2007, in the Federal Register (72 FR 2732), in order to comply with citizen participation requirements. Upon subsequent publication of the Action Plan or substantial amendments, DEO will provide a reasonable opportunity of at least 14 days and have a method for receiving comments. DEO will take comments via USPS mail or email at: Attention: Chief, Community Disaster Recovery Florida Department of Economic Opportunity Division of Community Development 107 East Madison Street The Caldwell Building, MSC 160 Tallahassee, Florida 32399 -2100 cdbg- dr @deo.myflorida.com Publication Before its adoption, the proposed Action Plan was published on the DEO website, www.floridajobs.org /CDBG -DR, for a 14 -day citizen comment period. DEO published a notice of the posting in the Florida Administrative Register (FAR) on April 20, 2018. DEO incorporated and addressed citizen comments received during that period into the final Action Plan. 3. Public Website DEO has a public website providing access to information and programs administered by the state. DEO has a separate and distinct webpage on its website entitled "Disaster Recovery Programs" at www.florida*obs.org/cdbg- dr that includes information on disaster recovery activities assisted with CDBG -DR funds due to 2017 Hurricane Irma. The creation and maintenance of the public website is one component of HUD's certification that DEO has proficient financial controls and procurement processes as required in the Register. The Disaster Recovery Programs' webpage will include links to action plans, action plan amendments, citizen participation requirements, and activity /program information for activities described in the action plan, including details of all contracts and ongoing procurement policies. It will also store every HUD Quarterly Performance Report (QPR), with information accounting for how funds are being used and managed. 98 1 P a g e DRAFT for Public Comment April 20, 2018 Packet Pg. 126 C /2 /b . V," 1 . •' � -.. 4. Consultation Seeking input from stakeholders and communities around the state is a very important part of the planning process. DEO used a variety of methods to understand unmet needs and to get feedback on how to craft programs that will meet the needs of communities as quick as possible. In addition to gaining feedback, this helped local stakeholders understand what to expect from CDBG -DR funding and allowed them to play a key role in shaping the outcomes of this plan. The outreach methods, along with the feedback obtained, it included below. Wehinars Over the course of the planning period, DEO conducted three webinars to keep stakeholders informed of the process and solicit feedback. The first webinar was held on February 22, 2018. The purpose of this webinar was to provide an orientation to the disaster recovery planning and implementation process for CDBG -DR and set the stage for upcoming visits to communities. The second webinar was held on April 12, 2018 to provide an overview of the unmet needs assessment data and ensure that the data was telling the story of impacted communities around the state. The third webinar was held on [insert date] in coordination with the public comment period. During this webinar, DEO described the feedback that was received statewide regarding unmet needs and provided an overview of proposed programs to address these remaining needs. Local Government Stakeholder Meetings DEO, FDEM and HUD CDBG -DR staff traveled around the state and visited each of the 14 HUD - identified most - impacted and distressed areas. At these meetings, participants were given a brief overview of the program with an opportunity to ask any questions that they may have of staff. Most of the meeting was open dialogue with local government staff asking questions and DEO and HUD staff providing responses. Unmet needs were captured on flipcharts and DEO staff suggested various program options that may be available to meet those needs. Community members also offered suggestions under the categories of housing, economic revitalization and infrastructure. At the end of each meeting, participants were given three different colored dots for each category, indicating a first, second and third priority. The dots were then placed by the individuals top three program ideas to get a sense of what types of programs would be most beneficial to communities. The table below contains the dates for each of these meetings. 991Pvge DRAFT for Public Comment April 20, 2018 Packet Pg. 127 C /2 /b State of Florida Action Plan for ReeoVery Location Date Monroe County Thursday, March 1, 2018 Miami -Dade County Friday, March 2, 2018 Broward County Friday, March 2, 2018 Volusia County Monday, March 5, 2018 Brevard County Monday, March 5, 2018 Orange County Monday, March 5, 2018 Duval County Tuesday, March 6, 2018 Flagler County (32136) Tuesday, March 6, 2018 Clay County (32068) Wednesday, March 7, 2018 Bradford County (32091) Wednesday, March 7, 2018 Desoto County (34266) Monday, March 19, 2018 Polk County Monday, March 19, 2018 Lee County Tuesday, March 20, 2018 Collier County Tuesday, March 20, 2018 Brevard County Tuesday, March 5, 2018 Community Stakeholder Survey DEO developed a survey to capture feedback from communities that were outside of the HUD - identified most - impacted and distressed areas and to allow for additional input from communities that were not able to attend stakeholder meetings. The survey mirrored the feedback from the stakeholder meetings by asking for an anecdotal account of remaining housing, economic revitalization and infrastructure unmet needs. In addition, survey respondents were asked to rank the various program ideas that came out of stakeholder workshops. They were also given an opportunity to suggest additional program ideas. The cumulative results from stakeholder meetings and surveys and are displayed in the three graphs below 1001 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 128 B.1.a State of Florida Action Plan for ReeoVery Housing Programs • Housing Rehab • Affordable Rental Land Acquisition ■ HMGP Match Buyout • Reimbursement • Homeownership Assistance • Other Infrastructure Programs ■Traditional CDBG* 0 HMGP /PA Match Other *Including components to roads, bridges, stormwater, etc. 101 1 P a g e DRAFT for Public Comment April 20, 2018 Packet Pg. 129 B.1.a State of Florida Action Plan for ReeoVery Economic Programs Economic Recovery Workshops • Business Loans /Grants • Workforce Training Assistance to Puerto Ricans • Business Resilience Training Other DEO, in partnership with the EDA, conducted economic recovery workshops across the state to provide resources for long -term recovery to local governments, businesses and economic development organizations. In addition to many other resources, CDBG -DR was presented to community members with an opportunity to ask questions about the program. In addition to providing outreach to communities, these meetings provided DEO with an opportunity to focus in on economic revitalization and hear about some of the challenges that exist post- Hurricane Irma. The table below contains location and dates for each of these meetings. February 12, 2018 February 14, 2018 February 13, 2018 February 15, 2018 February 15, 2018 February 16, 2018 February 27, 2018 1021 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 130 B.1.a State of Florida Action Plan for ReeoVery Florida Keys Workforce Affordable Housing Outreach DEO has a very close relationship with Monroe County, as it is considered one of four Areas of Critical State Concern. Due to this designation, the agency has a unique oversight role in development decisions. In the Florida Keys, limited land and strict local building codes, combined with the need to ensure safe evacuation of residents and the protection of important environmental resources drives up the cost of residential development. With the lowest unemployment rate in the state, most business owners in the community say that their biggest challenge is retaining employees due to limited supply of housing that they can afford. This issue has been exacerbated greatly by Hurricane Irma, as mobile homes and older single - family houses that served as housing for their workforce were significantly damaged and will be required to be built back to new codes and standards. The cost of redevelopment will result in higher rents or pressure to sell to someone who will rebuild a second home or vacation rental property, leading to less housing stock that is affordable for the workforce. Understand that the Keys would be facing long -term affordable workforce housing challenges that could be detrimental to the local economy, DEO visited Monroe County several times during the recovery process as well as participated in weekly local housing recovery taskforce conference calls. ■ The first technical visit occurred November 1— 3, 2017 in conjunction with the Florida Housing Finance Corporation and the Florida Department of Environmental Protection. During this visit, staff met with local government and housing authority officials to brainstorm solutions on how to align available land with financing options and building permit allowances to create more affordable housing in the Keys. In addition, staff answered questions from citizens at a local delegation meeting on long -term housing recovery resources. ■ The following week on November 8, 2017 staff met with the Monroe County Housing Taskforce along with FEMA and FDEM. This meeting focused on potential resources that might be available and helped the communities brainstorm potential project ideas that could be included in their long -term recovery strategy. ■ On January 11, 2018, DEO staff presented to elected officials and citizens at a Key West Housing Recovery Workshop. This presentation was focused on the availability of CDBG -DR, along with streamlining review processes at DEO to ensure an expedited recovery. • On February 1, 2018, DEO staff met with local officials and congressional staff to discuss long -term housing recovery needs and upcoming CDBG -DR funding. • Finally, on March 1, DEO staff visited Monroe County to discuss the federal register and brainstorm program ideas for the CDBG -DR action plan. Website DEO posted important information on the CDBG -DR program on its website at www.floridaoobs.org /CDBG -DR This includes links to the federal register, short summaries and overviews and webinar recordings for individuals who could not participate or may want a refresher on the program. Additional Outreach In addition to the outreach above, DEO had many one -on -one discussions with community members over the phone, sent out emails with summaries of the federal register and other information and participated in the following discussions: • Housing Partners Conference Calls • Florida Housing Coalition Hurricane Recovery Webinars 103 1 C'v g DRAFT for Public Comment April 20, 2018 Packet Pg. 131 B.1.a State of Florida Action Plan for ReeoVery • Community Place -based Recovery Support Team calls in Lee, Collier, Hendry and Monroe Counties • Community Planning and Capacity Building Recovery Support Function Calls • Housing Recovery Support Function Calls • Economic Recovery Support Function Calls DEO will continue to conduct outreach with communities throughout the implementation of this action plan to ensure that all stakeholders are aware of the opportunities that exist and can provide feedback along the way. 5. Accessibility The Action Plan was made available in English and Spanish, and was posted on the DEO website, which has embedded technology to provide accessibility to the visually impaired. 6. Receipt of Comments DEO provided a 14 -day timeframe for receiving public comments to the Action Plan and obtained comments via an email address published on the disaster recovery website. 7. Substantial Amendment DEO will engage citizens throughout the disaster recovery program to maximize the opportunity for input on proposed program changes that result in a substantial amendment. Program changes result in a substantial amendment when there is: a change in program benefit or eligibility criteria; the addition or deletion of an activity; or the allocation or reallocation of more than 10 percent of the original appropriation. Citizens will be provided with no less than 14 days to review and provide comments on proposed substantial changes. A summary of all comments received will be included in the final Substantial Amendment submitted to HUD for approval. DEO will notify HUD, but is not required to undertake public comment, when it makes any plan amendment that is not substantial. HUD will be notified at least five business days before the amendment becomes effective. Every amendment to the action plan (substantial and non - substantial) will be numbered and posted on the DEO website. 8. Summary of Public Comments A summary of public comments submitted on the draft Action Plan, as well as DEO's response to each comment, are included in Appendix 11. 1041 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 132 B.1.a State of Florida Action Plan for ReeoVery 9. Citizen Complaints DEO will handle citizen complaints received by the state, its subrecipients, vendors and /or other program sources by: 1. Conducting investigations, as necessary; 2. Finding a resolution; or 3. Conducting follow -up actions. The goal of the state is to provide an opportunity to resolve complaints in a timely manner, usually within 15 business days as expected by HUD, if practicable, and to provide the right to participate in the process and appeal a decision when there is reason for an applicant to believe its application was not handled according to program policies. All applications, guidelines, and websites will include details on the right to file a complaint or appeal, and the process for filing a complaint or beginning an appeal. Applicants can appeal program decisions related to one of the following activities: 1. A program eligibility determination; 2. A program assistance award calculation; and 3. A program decision concerning housing unit damage and the resulting program outcome. Citizens may file a written complaint or appeal through the Disaster Recovery email at CDBG- DR@deo.myflorida.com or submit by postal mail to the following address: Attention: Chief, Community Disaster Recovery Florida Department of Economic Opportunity Division of Community Development 107 East Madison Street The Caldwell Building, MSC 160 Tallahassee, Florida 32399 cdbg- dr @deo.mvflorida.com If the complainant is not satisfied by the subrecipient determination or DEO response, the complainant may file a written appeal by following the instructions issued in the letter of response. If after the appeals process the complainant has not been satisfied with the response, a formal complaint may then be addressed directly to the regional Department of Housing and Urban Development (HUD) at: Department of Housing & Urban Development Charles E. Bennett Federal Building 400 West Bay Street, Suite 1015 Jacksonville, FL 32202 The Florida Disaster Recovery Program operates in Accordance with the Federal Fair Housing Law (The Fair Housing Amendments Act of 1988). Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination: 1- 800 - 669 -9777 (Toll Free) or www.hud.gov /fairhousing. 105 1 P a g e DRAFT for Public Comment April 20, 2018 Packet Pg. 133 B.1.a State of Florida Action Plan for ReeoVery VII. Certification and Risk Analysis Documentation The State of Florida DEO submitted the Certification and Risk Analysis Documentation to HUD on April 13, 2018 as required. 1. CDBG -DR Certifications 24 CFR 91.225 and 91.325 are waived. Each grantee receiving a direct allocation under this notice must make the following certifications with its action plan: The grantee certifies that it has in effect and is following a residential antidisplacement and relocation assistance plan in connection with any activity assisted with funding under the CDBG program. b. The grantee certifies its compliance with restrictions on lobbying required by 24 CFR part 87, together with disclosure forms, if required by part 87. The grantee certifies that the action plan for disaster recovery is authorized under State and local law (as applicable) and that the grantee, and any entity or entities designated by the grantee, and any contractor, subrecipient, or designated public agency carrying out an activity with CDBG —DR funds, possess(es) the legal authority to carry out the program for which it is seeking funding, in accordance with applicable HUD regulations and this notice. The grantee certifies that activities to be undertaken with funds under this notice are consistent with its action plan. d. The grantee certifies that it will comply with the acquisition and relocation requirements of the URA, as amended, and implementing regulations at 49 CFR part 24, except where waivers or alternative requirements are provided for in this notice. e. The grantee certifies that it will comply with section 3 of the Housing and Urban Development Act of 1968 (12 U.S.C. 1701u), and implementing regulations at 24 CFR part 135. The grantee certifies that it is following a detailed citizen participation plan that satisfies the requirements of 24 CFR 91.115 or 91.105 (except as provided for in notices providing waivers and alternative requirements for this grant). Also, each local government receiving assistance from a State grantee must follow a detailed citizen participation plan that satisfies the requirements of 24 CFR 570.486 (except as provided for in notices providing waivers and alternative requirements for this grant). State grantee certifies that it has consulted with affected local governments in counties designated in covered major disaster declarations in the non - entitlement, entitlement, and tribal areas of the State in determining the uses of funds, including the method of distribution of funding, or activities carried out directly by the State. h. The grantee certifies that it is complying with each of the following criteria: (1) Funds will be used solely for necessary expenses related to disaster relief, long -term recovery, restoration of infrastructure and housing and economic revitalization in the most impacted and distressed areas for which the President declared a major disaster in 2016 pursuant to the Robert T. Stafford Disaster Relief and Emergency Assistance Act of 1974 (42 U.S.C. 5121 et seq.). (2) With respect to activities expected to be assisted with CDBG —DR funds, the action plan has been developed so as to give the maximum feasible priority to 1061 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 134 B.1.a State of Florida Action Plan for ReeoVery activities that will benefit low- and moderate - income families. (3) The aggregate use of CDBG —DR funds shall principally benefit low- and moderate - income families in a manner that ensures that at least 70 percent (or another percentage permitted by HUD in a waiver published in an applicable Federal Register notice) of the grant amount is expended for activities that benefit such persons. (4) The grantee will not attempt to recover any capital costs of public improvements assisted with CDBG —DR grant funds, by assessing any amount against properties owned and occupied by persons of low- and moderateincome, including any fee charged or assessment made as a condition of obtaining access to such public improvements, unless: (a) Disaster recovery grant funds are used to pay the proportion of such fee or assessment that relates to the capital costs of such public improvements that are financed from revenue sources other than under this title; or (b) for purposes of assessing any amount against properties owned and occupied by persons of moderate income, the grantee certifies to the Secretary that it lacks sufficient CDBG funds (in any form) to comply with the requirements of clause (a). i. The grantee certifies that the grant will be conducted and administered in conformity with title VI of the Civil Rights Act of 1964 (42 U.S.C. 2000d), the Fair Housing Act (42 U.S.C. 3601— 3619), and implementing regulations, and that it will affirmatively further fair housing. The grantee certifies that it has adopted and is enforcing the following policies, and, in addition, must certify that they will require local governments that receive grant funds to certify that they have adopted and are enforcing: (1) A policy prohibiting the use of excessive force by law enforcement agencies within its jurisdiction against any individuals engaged in nonviolent civil rights demonstrations; and (2) A policy of enforcing applicable State and local laws against physically barring entrance to or exit from a facility or location that is the subject of such nonviolent civil rights demonstrations within its jurisdiction. The grantee certifies that it (and any subrecipient or administering entity) currently has or will develop and maintain the capacity to carry out disaster recovery activities in a timely manner and that the grantee has reviewed the requirements of this notice. The grantee certifies to the accuracy of its Public Law 115- 56 Financial Management and Grant Compliance certification checklist, or other recent certification submission, if approved by HUD, and related supporting documentation referenced at A.1.a. under section VI and its Implementation Plan and Capacity Assessment and related submissions to HUD referenced at A.1.b. under section VI. The grantee certifies that it will not use CDBG —DR funds for any activity in an area identified as flood prone for land use or hazard mitigation planning purposes by the State, local, or tribal government or delineated as a Special Flood Hazard Area (or 100 - yearfloodplain) in FEMA's most currentflood advisory maps, unless it also ensures that the action is designed or modified to minimize harm to or within the floodplain, in accordance with Executive Order 11988 and 24 CFR part 55. The relevant data source for this provision is the State, local, and tribal government land use regulations and hazard mitigation plans and the latest issued FEMA data or guidance, which includes advisory data (such as Advisory Base Flood Elevations) or preliminary and final Flood Insurance Rate Maps. m. The grantee certifies that its activities concerning lead -based paint will comply with the requirements of 24 CFR part 35, subparts A, B, J, K, and R. n. The grantee certifies that it will comply with environmental requirements at 24 CFR part 58. o. The grantee certifies that it will comply with applicable laws. 107 1 C'v g DRAFT for Public Comment April 20, 2018 Packet Pg. 135 B.1.a State of Florida Action Plan for Recovery The Florida Department of Economic Opportunity hereby certifies the above, as authorized by the Executive Director. Siened version submitted to HUD 2. SF -424 DEO submits this Action Plan to HUD along with a completed and executed Federal Form SF -424. 1081 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 136 B.1.a State of Florida Action Plan for ReeoVery VIII. CONCLUSION 1. Complete and Compliant This plan will be reviewed for completeness and compliance by HUD as part of the approval process. 2. Pre - Award, Pre - Agreement and Reimbursement The provisions of 24 CFR 570.489(b) and 570.200 (h) permits a state to reimburse itself for otherwise allowable costs incurred by itself or its recipients sub grantees or sub recipients on or after the incident of the covered disaster. The provisions at 24 CFR 570.200(h) and 570.489(b) apply to grantees reimbursing costs incurred by itself or its recipients or subrecipients prior to the execution of a grant agreement with HUD. This includes but is not limited to activities supporting program development, action plan development and stakeholder involvement support, and other qualifying eligible costs incurred in response to an eligible disaster covered under Public Law 115 -56. Florida's Department of Economic Opportunity (DEO) incurred pre -award costs and is seeking reimbursement for these costs that are reasonable and allowable under this regulation. DEO intends to recover the pre -award costs consistent with the authority cited in this section. These costs include the cost for salary, employer fringe benefits, and direct operating cost for each employee based on their individual percentage of time spent on the planning of the CDBG -DR program during a pay period. Any cost associated with the disaster recovery efforts will be allocated based on the total time spent on CDBG -DR activities versus other duties for a particular month. The total cost of the contractors to assist with disaster recovery research and analysis to help DEO prepare the unmet needs assessment and action plan and other costs associated with meetings, community outreach, and any other direct costs associated with the Action Plan will be reimbursed by this CDBG -DR grant. Additionally, once contracted, DEO may allow the drawdown of pre- agreement costs associated with eligible disaster recovery activities dating back to the date of the disaster(s) for subrecipients and DEO with appropriate documentation. 3. Uniform Relocation Act DEO plans to minimize displacement of persons or entities and assist persons or entities displaced as a result of implementing a project with CDBG -DR funds. This is not intended to limit the ability of DEO to conduct buyouts or acquisitions for destroyed and extensively damaged units or units in a floodplain. DEO will ensure that the assistance and protections afforded to persons or entities under the Uniform Relocation Assistance and Real Property Acquisition Policies Act (URA), and Section 104(d) of the Housing and Community Development Act of 1974 are available. DEO plans to exercise the waivers set forth in Federal Register /Vol. 83, No. 28 /Friday, February 9, 2018 pertaining to URA and HCD Acts given its priority to engage in voluntary acquisition and optional relocation activities to avert repeated flood damage and to improve floodplain management. In addition, HUD requires DEO to define "demonstrable hardship" and how it applies to applicants. DEO will define "demonstrable hardship" as exceptions to program policies for applicants who demonstrate undue hardship. Applicants in this situation will be reviewed on a case by case basis to determine whether assistance is required to alleviate such hardship. Demonstrable hardship may include, but is not limited to, excessive amounts of debt due to a natural disaster, prolonged job loss, substantial reduction to household income, death of a family member, unexpected and extraordinary medical bills, disability, etc. 109 1 P za, g e DRAFT for Public Comment April 20, 2018 Packet Pg. 137 B.1.a State of Florida Action Plan for ReeoVery 4. Disaster Recovery Program Implementation A copy of the Florida Disaster Recovery Program Implementation Timeline will be posted to DEO's website at the following location: www.florida*obs.org /CDBG -DR once the action plan has been approved. 5. Citizen Participation and Applications for Assistance Local governments are responsible for notifying citizens of planned or proposed disaster recovery activities and for obtaining citizen input in accordance with their Citizen Participation Plan. All beneficiaries applying for direct assistance must qualify as low to moderate income as defined by the U.S. Department of Housing and Urban Development. Citizens can access the data via the HUD User Internet website at the following location: https;//www.huduser.gov/portaI/datasets/i1.htm1 1101 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 138 B.1.a State of Florida Action Plan for ReeoVery IX. APPENDICES AND SUPPORTING DOCUMENTATION Appendix 1: 2017 Family Income Limits for IA Declared Counties VERY LOW INCOME $22,750 $26,000 $29,250 $32,450 $35,050 $37,650 $40,250 $42,850 60% LIMITS $27,300 $31,200 $35,100 $38,940 $42,060 $45,180 $48,300 $51,420 LOW INCOME $36,350 $41,550 $46,750 $51,900 $56,100 $60,250 $64,400 $68,550 60% LIMITS $23,820 $27,240 Baker $34,020 $36,780 $39,480 $42,240 $44,940 30% LIMITS $12,450 $14,200 $16,000 $17,750 $19,200 $20,600 $22,050 $23,450 VERY LOW INCOME $20,700 $23,650 $26,600 $29,550 $31,950 $34,300 $36,650 $39,050 60% LIMITS $24,840 $28,380 $31,920 $35,460 $38,340 $41,160 $43,980 $46,860 LOW INCOME $33,150 $37,850 $42,600 $47,300 $51,100 $54,900 $58,700 $62,450 Bay 30% LIMITS $11,900 $13,600 $15,300 $17,000 $18,400 $19,750 $21,100 $22,450 VERY LOW INCOME $19,850 $22,700 $25,550 $28,350 $30,650 $32,900 $35,200 $37,450 60% LIMITS $23,820 $27,240 $30,660 $34,020 $36,780 $39,480 $42,240 $44,940 LOW INCOME $31,750 $36,300 $40,850 $45,350 $49,000 $52,650 $56,250 $59,900 Bradford 30% LIMITS $11,300 $12,900 $14,500 $16,100 $17,400 $18,700 $20,000 $21,300 VERY LOW INCOME $18,800 $21,450 $24,150 $26,800 $28,960 $31,100 $33,250 $35,400 60% LIMITS $22,560 $25,740 $28,980 $32,160 $34,740 $37,320 $39,900 $42,480 LOW INCOME $30,050 $34,350 $38,650 $42,900 $46,350 $49,800 $53,200 $56,650 Brevard 30% LIMITS $12,950 $14,800 $16,650 $18,500 $20,000 $21,500 $22,950 $24,450 VERY LOW INCOME $21,600 $24,700 $27,800 $30,850 $33,350 $35,800 $38,300 $40,750 60% LIMITS $25,920 $29,640 $33,360 $37,020 $40,020 $42,960 $45,960 $48,900 LOW INCOME $34,550 $39,500 $44,450 $49,350 $53,300 $57,250 $61,200 $65,150 Broward 30% LIMITS $16,000 $18,300 $20,600 $22,850 $24,700 $26,550 $28,350 $30,200 VERY LOW INCOME $26,700 $30,500 $34,300 $38,100 $41,150 $44,200 $47,250 $50,300 60% LIMITS $32,040 $36,600 $41,160 $45,720 $49,380 $53,040 $56,700 $60,360 LOW INCOME $42,700 $48,800 $54,900 $60,950 $65,850 $70,750 $75,600 $80,500 Calhoun 30% LIMITS $10,150 $11,600 $13,050 $14,500 $15,700 $16,850 $18,000 $19,150 VERY LOW INCOME $16,950 $19,400 $21,800 $24,200 $26,150 $28,100 $30,050 $31,950 60% LIMITS $20,340 $23,280 $26,160 $29,040 $31,380 $33,720 $36,060 $38,340 LOW INCOME $27,100 $31,000 $34,850 $38,700 $41,800 $44,900 $48,000 $51,100 Charlotte 31 https: / /www.huduser.gov/ portal / datasets /il /ill6 /FY16- IL- fl.pdf 111 I Page DRAFT for Public Comment April 20, 2018 Packet Pg. 139 Alachua 30% LIMITS $13,650 $15,600 $17,550 $19,450 $21,050 $22,600 $24,150 $25,700 B.1.a State of Florida Action Plan for ReeoVery 30% LIMITS $11,450 $13,100 $14,750 $16,350 $17,700 $19,000 $20,300 $21,600 VERY LOW INCOME $19,100 $21,800 $24,550 $27,250 $29,450 $31,650 $33,800 $36,000 60% LIMITS $22,920 $26,160 $29,460 $32,700 $35,340 $37,980 $40,560 $43,200 LOW INCOME $30,550 $34,900 $39,250 $43,600 $47,100 $50,600 $54,100 $57,600 Citrus 30% LIMITS $10,150 $11,600 $13,050 $14,500 $15,700 $16,850 $18,000 $19,150 VERY LOW INCOME $16,950 $19,400 $21,800 $24,200 $26,150 $28,100 $30,050 $31,950 60% LIMITS $20,340 $23,280 $26,160 $29,040 $31,380 $33,720 $36,060 $38,340 LOW INCOME $27,100 $31,000 $34,850 $38,700 $41,800 $44,900 $48,000 $51,100 Clay 30% LIMITS $13,550 $15,450 $17,400 $19,300 $20,850 $22,400 $23,950 $25,500 VERY LOW INCOME $22,550 $25,800 $29,000 $32,200 $34,800 $37,400 $39,950 $42,550 60% LIMITS $27,060 $30,960 $24,800 $38,640 $41,760 $44,880 $47,940 $51,060 LOW INCOME $36,050 $41,200 $46,350 $51,500 $55,650 $59,750 $63,900 $68,000 Collier 30% LIMITS 30% LIMITS $14,650 $16,750 $18,850 $20,900 $22,600 $24,250 $25,950 $27,600 VERY LOW INCOME $24,400 $27,900 $31,400 $34,850 $37,650 $40,450 $43,250 $46,050 60% LIMITS $29,280 $33,480 $37,680 $41,820 $45,180 $48,540 $51,900 $55,260 LOW INCOME $39,050 $44,600 $50,200 $55,750 $60,250 $64,700 $69,150 $73,600 Escambia Columbia 30% LIMITS 30% LIMIT $11,250 $12,850 $14,450 $16,050 $17,350 $18,650 $19,950 $21,200 VERY LOW INCOME $18,750 $21,400 $24,100 $26,750 $28,900 $31,050 $33,200 $35,350 60% LIMITS $22,500 $25,680 $28,920 $32,100 $34,680 $38,260 $39,840 $42,420 LOW INCOME $30,000 $34,250 $38,550 $42,800 $46,250 $49,650 $53,100 $56,500 Desoto 30% LIMITS $10,150 $11,600 $13,050 $14,500 $15,700 $16,850 $18,000 $19,150 VERY LOW INCOME $16,950 $19,400 $21,800 $24,200 $26,150 $28,100 $30,050 $31,950 60% LIMITS $20,340 $23,280 $26,160 $29,040 $31,380 $33,720 $36,060 $38,340 LOW INCOME $27,100 $31,000 $34,850 $38,700 $41,800 $44,900 $48,000 $51,100 Dixie 30% LIMITS $10,150 $11,600 $13,050 $14,500 $15,700 $16,850 $18,000 $19,150 VERY LOW INCOME $16,950 $19,400 $21,800 $24,200 $26,150 $28,100 $30,050 $31,950 60% LIMITS $20,340 $23,280 $26,160 $29,040 $31,380 $33,720 $36,060 $38,340 LOW INCOME $27,100 $31,000 $34,850 $38,700 $41,800 $44,900 $48,000 $51,100 Duval 30% LIMITS $13,550 $15,450 $17,400 $19,300 $20,850 $22,400 $23,950 $25,500 VERY LOW INCOME $22,550 $25,800 $29,000 $32,200 $34,800 $37,400 $39,950 $42,550 60% LIMITS $27,060 $30,960 $24,800 $38,640 $41,760 $44,880 $47,940 $51,060 LOW INCOME $36,050 $41,200 $46,350 $51,500 $55,650 $59,750 $63,900 $68,000 Escambia 30% LIMITS $13,050 $14,900 $16,750 $18,600 $20,100 $21,600 $23,100 $24,600 VERY LOW INCOME $21,700 $24,800 $27,900 $31,000 $33,500 $36,000 $38,450 $40,950 60% LIMITS $26,040 $29,760 $33,480 $37,200 $40,200 $43,200 $46,140 $49,140 LOW INCOME $34,750 $39,700 $44,650 $49,600 $53,600 $57,550 $64,550 $65,500 1121 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 140 B.1.a State of Florida Action Plan for ReeoVery Flagler 30% LIMITS $12,150 $13,850 $15,600 $17,300 $18,700 $20,100 $21,500 $22,850 VERY LOW INCOME $20,200 $23,100 $26,000 $28,850 $31,200 $33,500 $35,800 $38,100 60% LIMITS $24,240 $27,720 $31,200 $34,620 $37,440 $40,200 $42,960 $45,720 LOW INCOME $32,350 $36,950 $41,550 $46,150 $49,850 $53,550 $57,250 $60,950 Franklin 30% LIMITS $10,400 $11,850 $13,350 $14,800 $16,000 $17,200 $18,400 $19,550 VERY LOW INCOME $17,300 $19,800 $22,250 $24,700 $26,700 $28,700 $30,650 $32,650 60% LIMITS $20,760 $23,760 $26,700 $29,640 $32,040 $34,440 $36,780 $39,180 LOW INCOME $27,650 $31,600 $35,550 $39,500 $42,700 $45,850 $49,000 $52,150 Gadsden 30% LIMITS $14,350 $16,400 $18,450 $20,500 $22,150 $23,800 $25,450 $27,100 VERY LOW INCOME $23,950 $27,400 $30,800 $34,200 $36,950 $39,700 $42,450 $45,150 60% LIMITS $28,740 $32,880 $36,960 $41,040 $44,340 $47,640 $50,940 $54,180 LOW INCOME $38,300 $43,800 $49,250 $54,700 $59,100 $63,500 $67,850 $72,250 Gilchrist 30% LIMITS $13,650 $15,600 $17,550 $19,450 $21,050 $22,600 $24,150 $25,700 VERY LOW INCOME $22,750 $26,000 $29,250 $32,450 $35,050 $37,650 $40,250 $42,850 60% LIMITS $27,300 $31,200 $35,100 $38,940 $42,060 $45,180 $48,300 $51,420 LOW INCOME $36,350 $41,550 $46,750 $51,900 $56,100 $60,250 $64,400 $68,550 Glades 30% LIMITS $10,150 $11,600 $13,050 $14,500 $15,700 $16,850 $18,000 $19,150 VERY LOW INCOME $16,950 $19,400 $21,800 $24,200 $26,150 $28,100 $30,050 $31,950 60% LIMITS $20,340 $23,280 $26,160 $29,040 $31,380 $33,720 $36,060 $38,340 LOW INCOME $27,100 $31,000 $34,850 $38,700 $41,800 $44,900 $48,000 $51,100 Gulf 30% LIMITS $10,300 $11,750 $13,200 $14,650 $15,850 $17,000 $18,200 $19,350 VERY LOW INCOME $17,150 $19,600 $22,050 $24,450 $26,450 $28,400 $30,350 $32,300 60% LIMITS $20,580 $23,520 $26,460 $29,340 $31,740 $34,080 $36,420 $38,760 LOW INCOME $27,400 $31,300 $35,200 $39,100 $42,250 $45,400 $48,500 $51,650 Hamilton 30% LIMITS $10,150 $11,600 $13,050 $14,500 $15,700 $16,850 $18,000 $19,150 VERY LOW INCOME $16,950 $19,400 $27,800 $24,200 $26,150 $28,100 $30,050 $31,950 60% LIMITS $20,340 $23,280 $26,160 $29,040 $31,380 $33,720 $36,060 $38,340 LOW INCOME $28,100 $31,000 $24,850 $38,700 $41,800 $44,900 $48,000 $51,100 Hardee 30% LIMITS $10,050 $11,600 $13,050 $14,500 $15,700 $16,850 $18,000 $19,150 VERY LOW INCOME $16,950 $19,400 $21,800 $24,200 $26,150 $28,100 $30,050 $31,950 60% LIMITS $20,340 $23,280 $26,160 $29,040 $31,380 $33,720 $36,060 $38,340 LOW INCOME $27,100 $31,000 $34,850 $38,700 $41,800 $44,900 $48,000 $51,100 Hendry 30% LIMITS $10,150 $11,600 $13,050 $14,500 $15,700 $16,850 $18,000 $19,150 VERY LOW INCOME $16,950 $19,400 $21,800 $24,200 $26,150 $28,100 $30,050 $31,950 60% LIMITS $20,340 $23,280 $26,160 $29,040 $31,380 $33,720 $36,060 $38,340 1131Page DRAFT for Public Comment April 20, 2018 Packet Pg. 141 B.1.a State of Florida Action Plan for ReeoVery LOW INCOME 30% LIMITS VERY LOW INCOME 60% LIMITS LOW INCOME 30% LIMITS VERY LOW INCOME 60% LIMITS LOW INCOME 30% LIMITS VERY LOW INCOME 60% LIMITS LOW INCOME 30% LIMITS VERY LOW INCOME 60% LIMITS LOW INCOME 30% LIMITS VERY LOW INCOME 60% LIMITS LOW INCOME 30% LIMITS VERY LOW INCOME 60% LIMITS LOW INCOME 30% LIMITS VERY LOW INCOME 60% LIMITS LOW INCOME 30% LIMITS VERY LOW INCOME 60% LIMITS LOW INCOME 30% LIMITS VERY LOW INCOME 1141 Page $27,100 $31,000 $12,600 $20,950 $25,140 $33,500 $14,400 $23,950 $28,740 $38,300 $10,150 $16,950 $20,340 $27,100 $12,600 $20,950 $25,140 $33,500 $10,150 $16,950 $20,340 $27,100 $12,400 $20,650 $24,780 $33,000 $10,400 $17,300 $20,760 $27,700 $14,350 $23,950 $28,740 $38,300 $10,800 $18,000 $21,600 $28,750 $12,250 $20,450 $11,600 $19,400 $23,280 $31,000 $14,400 $23,950 $28,740 $38,300 $11,600 $19,400 $23,280 $31,000 $14,150 $23,600 $28,320 $37,700 $11,850 $19,800 $23,760 $31,650 $16,400 $27,400 $32,880 $43,800 $12,350 $20,550 $24,660 $32,850 $34,850 $38,700 Hernando $16,200 $17,950 $26,950 $29,900 $32,340 $35,880 $43,100 $47,850 Highlands $13,050 $14,500 $21,800 $24,200 $26,160 $29,040 $34,850 $38,700 Hillsborough $16,200 $17,950 $26,950 $29,900 $32,340 $35,880 $43,100 $47,850 Holmes $13,050 $14,500 $21,800 $24,200 $26,160 $29,040 $34,850 $38,700 Indian River $15,900 $17,650 $26,550 $29,450 $31,860 $35,340 $42,400 $47,100 Jackson $13,350 $14,800 $22,250 $24,700 $26,700 $29,640 $35,600 $39,550 Jefferson $18,450 $20,500 $30,800 $34,200 $36,960 $41,040 $49,250 $54,700 Lafayette $13,900 $15,400 $23,100 $25,650 $27,720 $30,780 $36,950 $41,050 $41,800 $44,900 $48,000 $51,100 $19,400 $20,850 $22,300 $23,700 $32,300 $24,700 $37,100 $39,500 $38,760 $14,640 $44,520 $47,400 $51,700 $55,550 $59,350 $63,200 $15,700 $16,850 $18,000 $26,150 $28,100 $30,050 $31,380 $33,720 $36,060 $41,800 $44,900 $48,000 $19,400 $20,850 $22,300 $32,300 $24,700 $37,100 $38,760 $14,640 $44,520 $51,700 $55,550 $59,350 $15,700 $16,850 $18,000 $26,150 $28,100 $30,050 $31,380 $33,720 $36,060 $41,800 $44,900 $48,000 $19,100 $20,500 $21,900 $31,850 $34,200 $36,550 $38,220 $41,040 $43,860 $50,900 $54,650 $58,450 $16,000 $17,200 $18,400 $26,700 $28,700 $30,650 $32,040 $34,440 $36,780 $42,750 $45,900 $49,050 $22,150 $23,800 $25,450 $36,950 $39,700 $42,450 $44,340 $47,640 $50,940 $59,100 $63,500 $67,850 $19,150 $31,850 $38,340 $51,100 $23,700 $39,500 $47,400 $63,200 $19,150 $31,950 $38,340 $51,100 $23,300 $28,900 $46,680 $62,200 $19,550 $32,650 $39,180 $52,250 $27,100 $45,150 $54,180 $72,250 $16,650 $17,900 $19,100 $20,350 $27,750 $29,800 $31,850 $33,900 $33,300 $35,760 $38,220 $40,680 $44,350 $47,650 $50,950 $54,200 Lake $14,000 $15,750 $17,500 $18,900 $23,400 $26,300 $29,200 $31,550 $20,300 $21,700 $23,100 $33,900 $36,250 $38,550 DRAFT for Public Comment April 20, 2018 Packet Pg. 142 B.1.a State of Florida Action Plan for ReeoVery 60% LIMITS $24,540 $28,080 $31,560 $35,040 $37,860 $40,680 $43,500 $46,260 LOW INCOME $32,700 $37,400 $42,050 $46,700 $50,450 $54,200 $57,950 $61,650 Lee 30% LIMITS $12,150 $13,900 $15,650 $17,350 $18,750 $20,150 $21,550 $22,950 VERY LOW INCOME $20,300 $23,200 $26,100 $28,950 $31,300 $33,600 $35,900 $38,250 60% LIMITS $24,360 $27,840 $31,320 $34,740 $37,560 $40,320 $43,080 $45,900 LOW INCOME $32,450 $37,050 $41,700 $46,300 $50,050 $53,750 $57,450 $61,150 Leon 30% LIMITS $14,350 $16,400 $18,450 $20,500 $22,150 $23,800 $25,450 $27,100 VERY LOW INCOME $23,950 $27,400 $30,800 $34,200 $36,950 $39,700 $42,450 $45,150 60% LIMITS $28,740 $32,880 $36,960 $41,040 $44,340 $47,640 $50,940 $54,180 LOW INCOME $38,300 $43,800 $49,250 $54,700 $59,100 $63,500 $67,850 $72,250 Levy 30% LIMITS $10,150 $11,600 $13,050 $14,500 $15,700 $16,850 $18,000 $19,150 VERY LOW INCOME $16,950 $19,400 $21,800 $24,200 $26,150 $28,100 $30,050 $31,950 60% LIMITS $20,340 $23,280 $26,160 $29,040 $31,380 $33,720 $36,060 $38,340 LOW INCOME $27,100 $31,000 $34,850 $38,700 $41,800 $44,900 $48,000 $51,100 Liberty 30% LIMITS $11,100 $12,650 $14,250 $15,800 $17,100 $18,350 $19,600 $20,900 VERY LOW INCOME $18,450 $21,100 $23,750 $26,350 $28,500 $30,600 $32,700 $24,800 60% LIMITS $22,140 $25,320 $28,500 $31,620 $24,200 $36,720 $39,240 $41,760 LOW INCOME $29,550 $33,750 $37,950 $42,150 $45,550 $48,900 $52,300 $55,650 Madison 30% LIMITS $10,150 $11,600 $13,050 $14,500 $15,700 $16,850 $18,000 $19,150 VERY LOW INCOME $16,950 $19,400 $21,800 $24,200 $26,150 $28,100 $30,050 $31,950 60% LIMITS $20,340 $23,280 $26,160 $29,040 $31,380 $33,720 $36,060 $38,340 LOW INCOME $27,100 $31,000 $34,850 $38,700 $41,800 $44,900 $48,000 $51,100 Manatee 30% LIMITS $13,800 $15,750 $17,700 $19,650 $21,250 $22,800 $24,400 $25,950 VERY LOW INCOME $22,950 $26,200 $29,500 $32,750 $35,400 $38,000 $40,650 $43,250 60% LIMITS $27,540 $31,440 $35,400 $39,300 $42,480 $45,600 $48,780 $51,900 LOW INCOME $36,700 $41,950 $47,200 $52,400 $56,600 $60,800 $65,000 $69,200 Marion 30% LIMITS $10,700 $12,200 $13,750 $15,250 $16,500 $17,700 $18,950 $20,150 VERY LOW INCOME $17,800 $20,350 $22,900 $25,400 $27,450 $29,500 $31,500 $33,550 60% LIMITS $21,360 $24,420 $27,480 $30,480 $32,940 $35,400 $37,800 $40,260 LOW INCOME $28,500 $32,550 $36,600 $40,650 $43,950 $47,200 $50,450 $53,700 Martin 30% LIMITS $12,650 $14,450 $16,250 $18,050 $19,500 $20,950 $22,400 $23,850 VERY LOW INCOME $21,100 $24,100 $27,100 $30,100 $32,550 $34,950 $37,350 $39,750 60% LIMITS $25,320 $28,920 $32,520 $36,120 $39,060 $41,940 $4,482 $47,700 LOW INCOME $33,750 $38,550 $43,350 $48,150 $52,050 $55,900 $59,750 $63,600 Miami -Dade 30% LIMITS $15,900 $18,150 $20,400 $22,650 $24,500 $26,300 $28,100 $29,900 1151 Page DRAFT for Public Comment April 20, 2018 Packet Pg. 143 B.1.a State of Florida Action Plan for ReeoVery VERY LOW INCOME $26,450 $30,200 $34,000 $37,750 $40,800 $43,800 $46,850 $49,850 60% LIMITS $31,740 $36,240 $40,800 $45,300 $48,960 $52,560 $56,220 $59,820 LOW INCOME $42,300 $48,350 $54,400 $60,400 $65,250 $70,100 $74,900 $79,750 60% LIMITS $27,060 $30,960 Monroe $38,640 $41,760 $44,880 $47,940 $51,060 30% LIMITS $19,300 $22,050 $24,800 $27,550 $29,800 $32,000 $34,200 $36,400 VERY LOW INCOME $32,000 $36,800 $41,400 $45,950 $49,650 $53,350 $57,000 $60,700 60% LIMITS $38,640 $44,160 $49,680 $55,140 $59,580 $64,020 $68,400 $72,840 LOW INCOME $51,450 $58,800 $66,150 $73,500 $79,400 $85,300 $91,150 $97,050 Nassau 30% LIMITS $13,550 $15,450 $17,400 $19,300 $20,850 $22,400 $23,950 $25,500 VERY LOW INCOME $22,550 $25,800 $29,000 $32,200 $34,800 $37,400 $39,950 $42,550 60% LIMITS $27,060 $30,960 $24,800 $38,640 $41,760 $44,880 $47,940 $51,060 LOW INCOME $36,050 $41,200 $46,350 $51,500 $55,650 $59,750 $63,900 $68,000 Okaloosa 30% LIMITS $14,350 $16,400 $18,450 $20,450 $22,100 $23,750 $25,400 $27,000 VERY LOW INCOME $23,850 $27,250 $30,650 $34,050 $36,800 $39,500 $42,250 $44,950 60% LIMITS $28,620 $32,700 $36,780 $40,860 $44,160 $47,400 $50,700 $53,940 LOW INCOME $38,150 $43,600 $49,050 $54,500 $58,900 $63,250 $67,600 $71,950 Okeechobee 30% LIMITS $10,150 $11,600 $13,050 $14,500 $15,700 $16,850 $18,000 $19,150 VERY LOW INCOME $16,950 $19,400 $21,800 $24,200 $26,150 $28,100 $30,050 $31,950 60% LIMITS $20,340 $23,280 $26,160 $29,040 $31,380 $33,720 $36,060 $38,340 LOW INCOME $27,100 $31,000 $34,850 $38,700 $41,800 $44,900 $48,000 $51,100 Orange 30% LIMITS $12,250 $14,000 $15,750 $17,500 $18,900 $20,300 $21,700 $23,100 VERY LOW INCOME $20,450 $23,400 $26,300 $29,200 $31,550 $33,900 $36,250 $38,550 60% LIMITS $24,540 $28,080 $31,560 $35,040 $37,860 $40,680 $43,500 $46,260 LOW INCOME $32,700 $37,400 $42,050 $46,700 $50,450 $54,200 $57,950 $61,650 Osceola 30% LIMITS $12,250 $14,000 $15,750 $17,500 $18,900 $20,300 $21,700 $23,100 VERY LOW INCOME $20,450 $23,400 $26,300 $29,200 $31,550 $33,900 $36,250 $38,550 60% LIMITS $24,540 $28,080 $31,560 $35,040 $37,860 $40,680 $43,500 $46,260 LOW INCOME $32,700 $37,400 $42,050 $46,700 $50,450 $54,200 $57,950 $61,650 Palm Beach 30% LIMITS $15,100 $17,250 $19,400 $21,550 $23,300 $25,000 $26,750 $28,450 VERY LOW INCOME $25,200 $28,800 $32,400 $35,950 $38,850 $41,750 $44,600 $47,500 60% LIMITS $30,240 $34,560 $38,880 $43,140 $46,620 $50,100 $53,520 $57,000 LOW INCOME $40,250 $46,000 $51,750 $57,500 $621,000 $66,700 $71,300 $75,900 Pasco 30% LIMITS $12,600 $14,400 $16,200 $17,950 $19,400 $20,850 $22,300 $23,700 VERY LOW INCOME $20,950 $23,950 $26,950 $29,900 $32,300 $24,700 $37,100 $39,500 60% LIMITS $25,140 $28,740 $32,340 $35,880 $38,760 $14,640 $44,520 $47,400 LOW INCOME $33,500 $38,300 $43,100 $47,850 $51,700 $55,550 $59,350 $63,200 Pinellas 1161Pagc DRAFT for Public Comment April 20, 2018 Packet Pg. 144 B.1.a State of Florida Action Plan for ReeoVery 30% LIMITS $12,600 $14,400 $16,200 $17,950 $19,400 $20,850 $22,300 $23,700 VERY LOW INCOME $20,950 $23,950 $26,950 $29,900 $32,300 $24,700 $37,100 $39,500 60% LIMITS $25,140 $28,740 $32,340 $35,880 $38,760 $14,640 $44,520 $47,400 LOW INCOME $33,500 $38,300 $43,100 $47,850 $51,700 $55,550 $59,350 $63,200 Polk 30% LIMITS $11,050 $12,600 $14,200 $15,750 $17,050 $18,300 $19,550 $20,800 VERY LOW INCOME $18,400 $21,000 $23,650 $26,250 $28,350 $30,450 $32,550 $34,650 60% LIMITS $22,080 $25,200 $28,380 $31,500 $34,020 $36,540 $39,060 $41,580 LOW INCOME $29,400 $33,600 $37,800 $42,000 $45,400 $48,750 $52,100 $55,450 Putnam 30% LIMITS $10,150 $11,600 $13,050 $14,500 $15,700 $16,850 $18,000 $19,150 VERY LOW INCOME $16,950 $19,400 $21,800 $24,200 $26,150 $28,100 $30,050 $31,950 60% LIMITS $20,340 $23,280 $26,160 $29,040 $31,380 $33,720 $36,060 $38,340 LOW INCOME $27,100 $31,000 $34,850 $38,700 $41,800 $44,900 $48,000 $51,100 Santa Rosa 30% LIMITS $13,050 $14,900 $16,750 $18,600 $20,100 $21,600 $23,100 $24,600 VERY LOW INCOME $21,700 $24,800 $27,900 $31,000 $33,500 $36,000 $38,450 $40,950 60% LIMITS $26,040 $29,760 $33,480 $37,200 $40,200 $43,200 $46,140 $49,140 LOW INCOME $34,750 $39,700 $44,650 $49,600 $53,600 $57,550 $64,550 $65,500 Sarasota 30% LIMITS $13,800 $15,750 $17,700 $19,650 $21,250 $22,800 $24,400 $25,950 VERY LOW INCOME $22,950 $26,200 $29,500 $32,750 $35,400 $38,000 $40,650 $43,250 60% LIMITS $27,540 $31,440 $35,400 $39,300 $42,480 $45,600 $48,780 $51,900 LOW INCOME $36,700 $41,950 $47,200 $52,400 $56,600 $60,800 $65,000 $69,200 Seminole 30% LIMITS $12,250 $14,000 $15,750 $17,500 $18,900 $20,300 $21,700 $23,100 VERY LOW INCOME $20,450 $23,400 $26,300 $29,200 $31,550 $33,900 $36,250 $38,550 60% LIMITS $24,540 $28,080 $31,560 $35,040 $37,860 $40,680 $43,500 $46,260 LOW INCOME $32,700 $37,400 $42,050 $46,700 $50,450 $54,200 $57,950 $61,650 St. Johns 30% LIMITS $13,550 $15,450 $17,400 $19,300 $20,850 $22,400 $23,950 $25,500 VERY LOW INCOME $22,550 $25,800 $29,000 $32,200 $34,800 $37,400 $39,950 $42,550 60% LIMITS $27,060 $30,960 $24,800 $38,640 $41,760 $44,880 $47,940 $51,060 LOW INCOME $36,050 $41,200 $46,350 $51,500 $55,650 $59,750 $63,900 $68,000 St. Lucie 30% LIMITS $12,650 $14,450 $16,250 $18,050 $19,500 $20,950 $22,400 $23,850 VERY LOW INCOME $21,100 $24,100 $27,100 $30,100 $32,550 $34,950 $37,350 $39,750 60% LIMITS $25,320 $28,920 $32,520 $36,120 $39,060 $41,940 $4,482 $47,700 LOW INCOME $33,750 $38,550 $43,350 $48,150 $52,050 $55,900 $59,750 $63,600 Sumter 30% LIMITS $12,600 $14,400 $16,200 $18,000 $19,450 $20,900 $22,350 $23,800 VERY LOW INCOME $21,000 $24,000 $27,000 $30,000 $32,400 $34,800 $37,200 $39,600 60% LIMITS $25,200 $28,800 $32,400 $36,000 $38,880 $41,760 $44,640 $47,520 LOW INCOME $33,600 $38,400 $43,200 $48,000 $51,850 $55,700 $59,550 $63,400 1171 P: g DRAFT for Public Comment April 20, 2018 Packet Pg. 145 Draft State Action Plan Summary Community Development Block Grant - Disaster Recovery Long -term Recovery Funding in Florida B.1.b N FLORIDA DEPARTMENTof ECONOMIC OPPORTUNITY The U.S. Department of Housing and Urban Development (HUD) announced that the state of Florida will receive $616 million in funding to support long -term recovery efforts following Hurricane Irma through the Florida Department of Economic Opportunity's (DEO) Community Development Block Grant - Disaster Recovery (CDBG -DR) Program. This funding is designed to address needs that remain after other assistance has been exhausted, including federal assistance as well as private insurance. The state's action plan details how this funding will be allocated to address remaining unmet needs in Florida. Areas of the county not included in the HUD - identified zip code qualify as state - identified most impacted and distressed areas and will be eligible for 20 percent of funding from programs. Community Engagement In early March 2018, DEO staff conducted in- person outreach to the 14 communities HUD identified as the most impacted and distressed areas. The objective of the meetings was to explain the purpose of CDBG -DR, the timeframe for funding availability and to gain a better understanding of the impacts caused by Hurricane Irma in the communities. In addition, DEO collected feedback on program design options and priorities in each community. After these meetings, DEO conducted a survey to collect more data on local impacts and program design preferences. The information collected from the community outreach and the online survey helped create the action plan and the overall program design. DEO is grateful for the feedback and insights from our community partners. Packet Pg. 146 •�� • Brevard County • Miami -Dade County • 32068 (Clay County) •' • Broward County • Monroe County • 32091 (Bradford County) • Collier County • Orange County • 32136 (Flagler County) • Duval County • Polk County • 34266 (Desoto County) „ -, , • Lee County • Volusia County :' • Alachua County • Hardee County • Osceola County •' • Baker County • Hendry County • Palm Beach County • Bradford County* • Hernando County • Pasco County ,• .. •, • Charlotte County • Hillsborough County • Pinellas County ' ' ' "' • Citrus County • Indian River County • Putnam County ,. , , • Clay County* • Lafayette County • Sarasota County • • • • Columbia County • Lake County • Seminole County • DeSoto County* • Levy County • St. Johns County • • Dixie County • Manatee County • St. Lucie County ' ' ' • Flagler County* • Marion County • Sumter County •- . • • Gilchrist County • Martin County • Suwannee County ' " ' • Glades County • Nassau County • Union County • Hamilton County • Okeechobee County Areas of the county not included in the HUD - identified zip code qualify as state - identified most impacted and distressed areas and will be eligible for 20 percent of funding from programs. Community Engagement In early March 2018, DEO staff conducted in- person outreach to the 14 communities HUD identified as the most impacted and distressed areas. The objective of the meetings was to explain the purpose of CDBG -DR, the timeframe for funding availability and to gain a better understanding of the impacts caused by Hurricane Irma in the communities. In addition, DEO collected feedback on program design options and priorities in each community. After these meetings, DEO conducted a survey to collect more data on local impacts and program design preferences. The information collected from the community outreach and the online survey helped create the action plan and the overall program design. DEO is grateful for the feedback and insights from our community partners. Packet Pg. 146 B.1.b Unmet Needs Assessment DEO's assessment shows an unmet need from Hurricane Irma across Florida's housing, infrastructure and economic sectors. The housing sector has the most remaining unmet need (62.51 percent), followed by the economy (33.95 percent) and infrastructure (3.54 percent), indicating that any program focused on housing will have a high impact on overall recovery across the state. Summary of Impact and Unmet Needs I 59 c O 58 to 57 56 55 54 53 52 $1 so Housing ■ Amount of Estimated tmpact r L mf rastructu re M Amount of Fund,Avalla6le Li Economy ■ Unmet Needs $8,547,356,706 $4,274,430,191 $4,531,186,545 $17,352,973,442 $1,706,211,312 $3,886,914,370 $814,906,921 $6,408,032,603 $6,841,145,394 $387,515,822 $3,716,279,624 $10,944,940,840 � Action Plan Budget Below is a high -level summary of the action plan budget. For more information, please see pages 81 -82 of the draft state action plan. Packet Pg. 147 Housing Repair Program $273,329,800 $50,000,000 100% Workforce Affordable Rental New Construction Program: LIHTC $80,000,000 $20,000,000 100% Workforce Affordable Rental New Construction Program: Small Rental Developments $20,000,000 $0 100% Land Acquisition for Affordable Workforce Housing $20,000,000 $10,000,000 100% Voluntary Home Buyout Program $75,000,000 $10,000,000 50% • 9 LA I I 1 9 Recovery Workforce Training $20,000,000 $0 100% Small Business Recovery Forgivable Loan $60, 000,000 $0 100% Business Assistance to New Floridians from Puerto Rico $6,000,000 N/A N/A Infrastructure Repair and Mitigation Program Will be included with next allocation* N/A N/A dK Administration (5 %) $30,796,100 N/A N/A Planning (5 %) $30,796,100 N/A N/A TOTAL $615,922,000 $90,000,000 Packet Pg. 147 B.1.b Program Details Housina Repair Proaram The Housing Repair Program will rehabilitate or replace single family and rental housing for low- and moderate - income families impacted by Hurricane Irma. DEO will manage and complete the construction on behalf of eligible applicants. Through a team of agency and consultant support, the state will work with a pool of qualified contractors assigned to repair, reconstruct or replace damaged properties. Applicants will be assigned a contractor and will be required to enter into agreements with the state setting forth the terms and conditions of the program. DEO proposes the following housing assistance activities under this program: • Repairs to, reconstruction or replacement of housing units damaged by Hurricane Irma, which may include bringing the home into code compliance and mitigation against future storm impacts, including elevation. • The completion of work to homes that have been partially repaired. • Repairs to, or replacement of, manufactured homes impacted by Hurricane Irma. • Replacement of housing units that were included in the Home Buyout Program. • Temporary housing assistance based on individual household needs and their participation in the Housing Repair Program. Workforce Affordable Rental New Construction The Workforce Affordable Rental New Construction Program will facilitate the creation of quality, resilient affordable housing units to help address the shortage of housing caused by the storms in the most impacted areas of the state. DEO will work with the Florida Housing Finance Corporation (FHFC) to leverage CDBG -DR funds with low- income housing tax credits, with or without tax - exempt bond financing for larger multi - family developments as well as use stand -alone CDBG -DR funds as zero - interest loans to create smaller, multi - family developments. Funds will be awarded through a competitive process to qualified developers to support new construction and may include re- development of uninhabitable dwellings. Land Acauisition for Affordable Workforce Housin DEO will manage a program that will provide funding to purchase land for the development of affordable housing. This program will target areas of the state where scarcity of land increases the cost and makes it difficult to develop properties that can be rented at an affordable rate for the community's workforce. Voluntary Home Buyout Program DEO will create a voluntary program to encourage risk reduction through the voluntary purchase of residential property in high flood -risk areas. The Voluntary Home Buyout Program will be a state - managed buyout program that leverages FEMA Hazard Mitigation Grant Program (HMGP) funding, where possible. Counties that are interested in participating will have two potential funding options for pursuing home buyouts: • Leverage CDBG -DR funding as match for projects that are also eligible for the HMGP. • Use stand -alone CDBG -DR funds, located in low- and moderate - income areas, to buyout residential areas in support of permanent open space, supporting green infrastructure or other floodplain management systems. Packet Pg. 148 B.1.b Recovery Workforce Trainin DEO, through its Division of Workforce Services, will utilize existing programs to bolster workforce recovery training throughout the state. DEO's Recovery Workforce Training Program will be focused on growing the workforce needed to support long -term recovery jobs, primarily in the housing construction field. Business Recovery Grant Program DEO will create a grant program for eligible business owners who are seeking reimbursement for the cost of replacing equipment and inventory damaged by Hurricane Irma. The repayment of Small Business Administration (SBA) loans is not allowed under federal guidance for this funding and documentation of impacts from Hurricane Irma will be required. Additional guidance on the application process, eligibility and program management will be defined after approval of this action plan, and state guidance is issued on this program. Business Assistance to New Floridians from Puerto Rico Hurricane Maria left devastating impacts on the island communities of Puerto Rico, forcing many families to flee to other parts of the United States seeking shelter and new opportunities. To ensure that there are resources to support these new Floridians, DEO will implement a public assistance program for new businesses and entrepreneurs who have migrated from Puerto Rico. This program may include: ■ Business plan guidance, ■ Information about specific regional markets, ■ Accounting and legal assistance, ■ Licensing and permitting guidance, along with ■ Seminars and other forms of assistance. Infrastructure Repair and Mitigation Program The Federal Register Notice requires CDBG -DR recipients to consider housing needs first. DEO will focus the original CDBG -DR allocation of $616 million on addressing remaining housing and economic development unmet needs. HUD has announced that Florida will receive an additional allocation of $791 million and it is anticipated that a portion of this funding will go to the Infrastructure Repair and Mitigation Program. DEO will work with the Florida Division of Emergency Management (FDEM) to help communities to use CDBG -DR funding to leverage other funding sources such as HMGP and the 406 Public Assistance Mitigation Program. Additional guidance will be released in the federal register on how this funding can be used by states. DEO will further define this program based on this guidance. Next Steps • April 2018: • DEO will publish the draft state action plan on its website for a 14 -day public comment period. • DEO will conduct a webinar during the 14 -day public comment period to provide an overview of proposed programs to address remaining needs. • May 2018: DEO will finalize the state action plan and submit it to HUD by May 15, 2018. • July 2018: DEO anticipates that HUD will approve the state action plan or provide feedback to the state on required revisions. • August 2018: DEO anticipates receiving a grant agreement from HUD, which will be expedited and returned to HUD for execution. • Fall 2018: DEO will work with eligible entities to implement the programs that were developed in the state action plan. For more information, visit www.floridamobs.org /CDBG -DR. Packet Pg. 149