Item I2 1.2
G BOARD OF COUNTY COMMISSIONERS
County of Monroe Mayor Sylvia Murphy,District 5
The Florida Keys l'U � � Mayor Pro Tem Danny Kolhage,District 1
�pw° Michelle Coldiron,District 2
Heather Carruthers,District 3
David Rice,District 4
County Commission Meeting
June 19, 2019
Agenda Item Number: I.2
Agenda Item Summary #5632
BULK ITEM: No DEPARTMENT: Building
TIME APPROXIMATE: STAFF CONTACT: Christine Hurley (305) 292-4441
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AGENDA ITEM WORDING: Update on the Community Rating System (CRS) application
moving the County from a Class 5 designation to a Class 4 which will yield a 30% discount for
National Flood Insurance Policy (NFIP) holders (estimated savings would go from $5.1 Million
annually or an average of $350/year to $6.1 Million annually or an average of $410/year on their
flood insurance beginning after their renewal date, following October, 2019.
ITEM BACKGROUND: Monroe County achieved a Class 5 in the Community Rating System
(CRS) under the National Flood Insurance Program (NFIP) effective 10/1/17 (see attached letters),
based on the work performed by consultant, Lori Lehr, CFM. This means all property owners who
have flood insurance through NFIP began receiving a 25% discount after their renewal following
10/1/17.
The County staff and Lori Lehr, CFM began working on tasks that could elevate Monroe County to
a Class 4 during 2017; however, upon Hurricane Irma making landfall in the Florida Keys, her work
was redirected to managing the required Substantial Damage Program. Every structure in
unincorporated Monroe was inspected and evaluated to see if they had estimated substantial damage
(damage 50% or beyond of the structure value). This effort has been ongoing since the storm and is
expected to continue for several years, as homes are brought up to current code through the
permitting process.
We re-initiated work on the CRS program in 2019 and have worked with various County
Departments to achieve major milestones needed to progress in the CRS program to a class 4.
Major tasks to achieve this rating include:
• Stormwater Master Plan for CRS - The 2017 CRS Coordinator's Manual has a mandatory
prerequisite for a community to achieve CRS Class 4 status. The community must model the
impacts of a 100-year storm and/or sea level rise, where applicable, based on a watershed
management plan". The Sustainability Department coordinated this modeling through their
Green Keys Plan amendment and the results of that study are on today's agenda.
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• Repetitive Loss Area Analysis — See description below.
• Drainage Maintenance Planning— See description below.
• Recertification for FYI
• Modification of the County's CRS application
If we are successful with this effort, the following summary savings for the community will
be achieved:
FY CRS Number Percent Discount Average Savings per Total
Class of policy per year Community
Policies wide savings
2016-2017 6 15,000+ 0% $237 $3,573,749
2017-2018 15 14 000+ 5% $350 $5 135 345
2018-2019 15 14,000+ 5% $350 $5,135,345
2019-2020 14 14,000+ 30% $410 $6,156,964
Repetitive Loss Area Analysis (,RLAAl
FEMA is expected to adopt the new CRS Manual for the program period (2017 through 2020), but
has yet to do so. Part of this manual will be a new requirement for a mandatory Repetitive Loss
Area Analysis (RLAA). This will be a mandatory item. It requires the County to identify the
geographic areas where flooding has occurred more than two times over 10 year period of time and
to develop a plan where things such as purchase of the homes where repetitive loss has occurred,
razing the home, and returning the land to its natural state (for the county this would mean we
would also be buying a ROGO allocation), raising the elevation of the home, or other solutions
developed as options in the analysis,to assist with remedying the frequent loss associated with these
areas. FEMA has grant programs to help address these properties as follows:
• Hazard Mitigation Grant Program (HMGP) assists in implementing long-term hazard
mitigation planning and projects following a Presidential major disaster declaration.
• Pre-Disaster Mitigation Grant Program (PDM) provides funds for hazard mitigation
planning and projects on an annual basis.
• Flood Mitigation Assistance Grant Program (FMA) provides funds for planning and
projects to reduce or eliminate risk of flood damage to buildings that are insured under the
NFIP on an annual basis.
Documentation for the recertification is collected throughout the year.
In November of 2016, Ms. Lehr, began that RLAA analysis and field inspection process assisted by
County Staff and the Senior Floodplain Administrator in the Building. The process included
developing the RLAA plan, which included inspecting each location and determining the "risk" to
surrounding structures where repetitive loss has occurred. This was a considerable effort and a vast
amount of work was accomplished towards this objective. To date, County Staff and Ms. Lehr have
made the following progress:
• Obtained, analyzed, and identified pertinent information from over 13,000 individual flood
claim records
• County GIS has developed a web-based application to assist with the viewing and analysis
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of the data; this type of functionality is needed for drafting the eventual RLAA plan
• Prepared a Pilot Program in the Key Largo and Tavernier area to test the field work and data
collection process
• Launched the inspection and data collection field work throughout all of Monroe County
collecting data on more than 6,000 structures in the Flood Zone.
As a result of damage caused by Hurricane Irma, both the analysis of flood insurance claims and
field data collection of structures at risk for future flood damage, must be conducted again to
include the post-Irma conditions and flood claims. The information that was collected prior to
Hurricane Irma may prove to be valuable in the future mitigation and grant process because the pre-
Irma condition of many of the structures that were affected are memorialized with photos and data
collected in the field work. We will keep you updated based on the timeline depicted at the end of
this document.
Watershed Master Plan and Drainage Maintenance Plan
Finally, for us to obtain a CRS classification of 4 in 2020,the County must:
• Develop and approve a Watershed Master Plan by:
o Modeling for benchmarking,not necessarily for immediately actionable policy, to see
what is flooded, how often it is flooded and then a plan to minimize the impacts
(Rhonda Haag, Sustainability Director and her team are currently working to update
to Green Keys Plan to model to allow it to qualify as the Watershed Management
Plan. County Engineering will assist in this process as needed):
■ An initial condition of a 100-year storm flood, based on the baseline of 1992
for 2030, 2060, and 2100 using a 4.13' sea level rise for 2100, consistent
with the NOAA Intermediate-High sea level rise projection with a slight
adjustment for the Key West tide gauge
■ No king tides will be modeled
o Develop an examination of constructed drainage systems to evaluate the 100 year
projected Sea Level Rise
o Amending, if needed, the County's land development code to eliminate any
exemptions to storm water improvements required.
• Develop a Drainage Maintenance Plan, whereby a standard operating procedure and
maintenance tracking of all segments of the county maintained drainage system will be
implemented annually.
o Judith Clarke and the Engineering/Roads Department will work with Public Works to
prepare this plan, coordinating with Lori Lehr to ensure compliance with all
applicable CRS requirements.
With the previous approval of the contract with Lori Lehr, we are pursuing these complementary
objectives consistent with strategy for reaching a CRS Class 4, and the 30% discount.
PREVIOUS RELEVANT BOCC ACTION: 01/09/15 —BOCC approved the initial Contract with
Lehr. Amendments to the Contract were approved on 10/19/16, and 9/27/17, 3/21/18.
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CONTRACT/AGREEMENT CHANGES:
N/A
STAFF RECOMMENDATION: Approval
DOCUMENTATION:
FEMA.CRS Class 5
FEMA.CRS Class 5.Verification Report
CRS Handout BOCC 6.19.19
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: If yes, amount:
Grant:
County Match:
Insurance Required:
Additional Details:
N/A
REVIEWED BY:
Rick Griffin Completed 05/29/2019 2:19 PM
Assistant County Administrator Christine Hurley Completed
05/31/2019 10:34 AM
Steve Williams Completed 06/03/2019 8:47 AM
Budget and Finance Completed 06/03/2019 8:49 AM
Maria Slavik Completed 06/03/2019 9:31 AM
Kathy Peters Completed 06/03/2019 11:43 AM
Board of County Commissioners Pending 06/19/2019 9:00 AM
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U.S.Department of Homeland Security
500 C Street, SW
Washington,DC 20472
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FEMA
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November 17,2017 2
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The Honorable George Neugent
Mayor of Monroe County `O
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500 Whitehead Street, Suite 102 U)
Key West,FL 33040 U
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Dear Mayor Neugent:
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Congratulations! The Department of Homeland Security,Federal Emergency Management Agency(FEMA),has g
determined that Monroe County will increase to a Class 5 in the National Flood Insurance Program(NFIP)Community
Rating System(CRS). The floodplain management activities implemented by your community qualifies it for a 25
percent discount in the premium cost of flood insurance for NFIP policies issued or renewed in Special Flood Hazard 0
Areas on or after October 1,2017. This increase is based on a field verification of your three-year cycle CRS _
application.
Please note Preferred Risk Policies,applicable in Zones B, C,and X,on your community's NFIP Flood Insurance Rate
Map are not eligible for the CRS discount. Standard rated flood insurance policies in Zones B,C,X,D,AR,and A99 2
are limited to a CRS discount of ten percent in Class 1-6 communities and five percent in Class 7-9 communities. The �
rates for these zones already reflect significant premium reductions.
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If there are no NFIP noncompliance actions,the CRS rating for your community will automatically be renewed annually cu
and a notification letter will not be sent to your community. This renewal will occur as long as your community
continues to implement the CRS activities you certify annually. If no additional modifications or new CRS activities are
added,the next verification visit for your community will be in accordance with its established three-year cycle. In the
interim,FEMA will periodically send the NFIP/CRS Update Newsletter and other notices to your CRS Coordinator to E
keep your community informed. U
I commend you on your community actions and your determination to lead your community to be more disaster resistant. LO
This commitment enhances public safety,property protection,and protects the natural functions of floodplains,and U)
reduces flood insurance premiums. U
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If you have any questions or need additional information,please contact the FEMA Region IV Office,CRS Coordinator, W
Janice Mitchell,by telephone at(770)220-5441.
Sincerely,
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William H. Lesser,CRS Coordinator
Federal Insurance and Mitigation Administration
Enclosure
cc: Lori Lehr,CRS Coordinator
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A" COMMUNITY VERIFICATION
RATING
NF'�LIP/GR+S SYSTEM REPORT
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Monroe County, FL Verified Class 5 U
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NFIP Number: 125129 Modification LO
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Date of Verification Visit: February 17, 2017 U
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This Verification Report is provided to explain the recommendations of Insurance
Services Office, Inc. (ISO) to DHS/FEMA concerning credits under the Community
Rating System (CRS) for the above named community.
A total of 382 credit points are verified for this modification. Along with the 2468 points
previously verified, the community now has a total of 2850 credit points. This
modification results in a recommendation that the community improve from a CRS
Class 6 to a CRS Class 5. The community has met the Class 5 prerequisite with a
Building Code Effectiveness Grading Schedule (BCEGS) Classification of 3/3. The
following is a summary of our findings based on the submitted modification with the total
modified points noted in parenthesis:
Activity 310 — Elevation Certificates: The Building Department maintains elevation
certificates for new and substantially improved buildings. Copies of elevation
certificates are made available upon request. (38 points)
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Activity 320 — Map Information Service: Credit is provided for furnishing inquirers �?
with basic flood zone information from the community's latest Flood Insurance Rate
Map (FIRM). Credit is also provided for the community furnishing additional FIRM
information. The service is publicized annually and records are maintained.
(50 points) g
Activity 330 — Outreach Projects: Credit is provided for informational outreach It
projects that include brochures, general outreach projects that include mailers, public
service announcements and rack brochures at multiple public locations, and targeted U)
outreach projects that include repetitive loss mailers. These projects are disseminated U)
annually. Credit is also provided for having a pre-flood plan for public
information. Credit is enhanced by having a Program for Public Information (PPI), W
and by having the information disseminated by stakeholders outside the local
government. (350 points)
Activity 340 — Hazard Disclosure: Credit is provided for state regulations requiring
disclosure of flood hazards. Real estate agents provide a brochure advising
prospective buyers about insurance and checking property flood hazards. Credit is
enhanced by having a PPI. (22 points)
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Monroe County, FL Page 2
NFIP #: 125129
Activity 350 — Flood Protection Information: Documents relating to floodplain
management are available in the reference section of the Monroe County Library. U)
Credit is also provided for floodplain information displayed on the community's website. U)
Credit is enhanced by having a PPI. (89 points) 0
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Activity 360 — Flood Protection Assistance: Credit is provided for offering one-on- U)
one advice regarding property protection. Credit is also provided for giving advice U
on financial assistance. Credit is enhanced by having a PPI. (95 points)
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Activity 420 — Open Space Preservation: Credit is provided for preserving
approximately 46 percent of the Special Flood Hazard Area (SFHA) as open space,
protecting open space land with deed restrictions, and preserving open space land in a
natural state. Credit is also provided for regulations and incentives that minimize
development in the SFHA. (818 points)
Activity 430 — Higher Regulatory Standards: Credit is provided for enforcing
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freeboard for new and substantial improvement construction, foundation protection,
regulations that require enclosure limits, and local drainage protection. Credit is also
provided for the enforcement of building codes, a BCEGS Classification of 3/3, state
mandated regulatory standards, and regulations administration. (258 points)
Activity 440 — Flood Data Maintenance: Credit is provided for maintaining and using
digitized maps in the day to day management of the floodplain. Credit is also provided
for maintaining copies of all previous FIRMs. (134 points)
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Activity 450 — Stormwater Management: The community enforces regulations for 1�
stormwater management, soil and erosion control, and water quality. (181 points)
Section 502 — Repetitive Loss Category: Based on the updates made to the NFIP
Report of Repetitive Losses as of September 30, 2013, Monroe County, FL has 409
repetitive loss properties and is a Category C community for CRS purposes. The It
community is required to submit either a Repetitive Loss Area Analysis or Floodplain >
Management Plan. (No credit points are applicable to this section)
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Activity 510 — Floodplain Management Planning: Credit is provided for the adoption
and implementation of the Monroe County LMS on November 17, 2015. A progress
report must be submitted on an annual basis. An update to the credited plan will be due
by October 1, 2020. (290 points)
Activity 530 — Flood Protection: Credit is provided for 57 buildings that have been
elevated to protect them from flood damage. (160 points)
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Monroe County, FL Page 3
NFIP #: 125129
Activity 610 — Flood Warning and Response: Credit is provided for a program that
provides timely identification of impending flood threats, disseminates warnings to U)
appropriate floodplain residents, and coordinates flood response activities. Credit is U)
also provided for the designation as a Storm Ready Community by the National
Weather Service. (365 points) LO
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Attached is the Community Calculations Worksheet that lists the verified credit points for
the Community Rating System.
CEO Name / Address: CRS Coordinator Name /Address:
Mayor George Neugent Lori Lehr
Commissioner, Monroe County District CRS Coordinator
500 Whitehead Street 2798 Overseas Highway
Key West, Florida 33040 Key West, Florida 33040
(727) 235-3875
Date Report Prepared: April 13, 2017
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Community : Monroe County, FL NFIP Number : 125129
720 COMMUNITY CREDIT CALCULATIONS (Modification):
CALCULATION SECTION : U)
Verified Activity Calculations U
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Previous Modified Current Activity U)
Score Score Credit Total U
c310 38 c310 c310 38 38
c320 50 c320 c320 50 50
c330 112 c330 350 c330 350 350
c340 18 c340 22 c340 22 22
c350 65 c350 89 c350 89 89
c360 25 c360 95 c360 95 95
c370 c370 c370
c410 c410 c410 x CGA =
c420 794 c420 c420 794 x CGA 1.03 = 818
c430 218 c430 250 c430 250 x CGA 1.03 = 258
c440 130 c440 c440 130 x CGA 1.03 = 134
c450 176 c450 c450 176 x CGA 1.03 = 181
c510 290 c510 c510 290 290
c520 c520 c520
c530 160 c530 c530 160 160
c540 c540 c540
c610 365 c610 c610 365 365
c620 c620 c620
c630 c630 c630
Community Classification Calculation: It
cT = total of above cT = 2850
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Community Classification (from Table 110-1)- Class = 5
CEO Name / Address: CRS Coordinator Name /Address:
Mayor George Neugent Lori Lehr ..
Commissioner, Monroe County District CRS Coordinator
500 Whitehead Street 2798 Overseas Highway
Key West, Florida 33040 Key West, Florida 33040
(727) 235-3875
Date Report Prepared: April 13, 2017
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Class 4 Prerequisites:To become a Class 4 or better community, a community must demonstrate E
that it has programs that minimize flood losses, minimize increases in future flooding, protect as
natural floodplain functions, and protect people from the dangers of flooding.
Enough points to warrant the Class (3,000+) 2,850
BCEGS of 4/4 or better 4/4 X
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1ft Freeboard throughout the SFHA X U
>_700 points 430 Higher Regulatory Standards and 420 Open Space 873 X
Preservation
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Adopt a Watershed Management Plan (Agenda Item#5635)
90 pts.for meeting all WMP prerequisites(Agenda Item#5635)
30 pts. managing all storms up to and including 100-yr. event CD
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Adopt a Floodplain Management Plan (382)
>_50%of the maximum credit under Activity 510 290
FMM
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At least 100 pts. 290 X
610—obtain some credit under this Activity 365 X
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CRS Credit Point Structure and Premium Reduction
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1 4,500+ 45% 10%
2 4,000-4,499 40% 10% U)
3 3,500-3,999 35% 10% U
4 3,000-3,499 30% 10%
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5 2,500-2,999 25% 10% U)
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6 2,000-2,499 20% 10% U
7 1,500-1,999 15% 5
8 1,000-1,499 10% 5
9 500-999 5% 5%
10 0-499 0% 0%
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Proposed Additional CRS Activities for Class 4 Credit Points
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Coverage Improvement Plan 60 as
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Meeting WIMP prerequisites(Agenda Item#5635) 90
Managing all storms up to and including 100-yr. event 30
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Repetitive Loss Area Analysis (RLAA) 140
Problem Site Maintenance (PSM) 50 0
Capital Improvement Program (CIP) 50
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CRS Communities in Florida
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CRS Class Total Communities Percent Discount
9 13 5
8 43 10%
7 75 15
6 69 20% t/s
5 38 25% t3
4 1 30%
3 1 35
In process
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