Item I6 1.6
t, BOARD OF COUNTY COMMISSIONERS
County of Monroe Mayor Heather Carruthers,District 3
IleOI1da Keys Mayor Pro Tern Michelle Coldiron,District 2
�p.° Craig Cates,District I
David Rice,District 4
Sylvia J.Murphy,District 5
County Commission Meeting
January 22, 2020
Agenda Item Number: I.6
Agenda Item Summary #6453
BULK ITEM: No DEPARTMENT: Building
TIME APPROXIMATE: STAFF CONTACT: Christine Hurley (305) 292-4441
10:00 A.M.
AGENDA ITEM WORDING: Presentation of draft unincorporated Monroe County Repetitive
Loss Area Analysis (RLAA), which is a required element for the County to achieve Class 4 in the
Community Rating Sytem (CRS) which would give a 30% discount (estimated annual savings of
$6.3 million or average annual policy holder discount of $464) to all National Flood Insurance
Program policy holders, instead of a 25% discount (estimated annual savings of $5.1 million or
average annual policy holder discount of$350), which Monroe County currently has (CRS rating —
Class 5).
ITEM BACKGROUND: Participants in the National Flood Insurance Program (NFIP) are able to
enter the Community Rating System (CRS)if they are considered in "good standing". Monroe
County was not in good standing for decades. After 6 community assistance visits and over 300
audit findings, the County successfully received a letter of good standing and was eligible to enter
the CRS program. Over the past several years the County achieved a 25% discount by becoming a
class 5 in the CRS program. Class 5 last year saved policy holders $5.1 Million dollars. Each year, a
similar amount is saved by this ranking. Prior to Hurricane Irma the County entered into a contract
with Lori Lehr, CFM, consultant to work toward a Class 4, which would save approximately $6.4
Million annually.
See table below. The County must score over 3000 points to enter a class 4.
NA,,,6%<��
1 4,500+ 45% 10%
2 4,000-4,499 40% 10%
3 3,500-3,999 3 5% 10%
5 2,500-2,999 25% 10%
6 2,000-2,499 20% 10%
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7 1,500-1,999 15% 5
8 1,000-1,499 10% 5
9 500-999 5% 5
10 0-499 0% 0
Further, the County must also complete certain threshold items including:
• Sea Level Rise projections impact on drainage infrastructure (already completed and
approved by the Board).
• Drainage Maintenance Plan (completed)
• Repetitive Flood Loss Area Analysis (RLAA)—item being presented on 1/22/20.
Acfiurty 37 >Fla4d Insi�r�hciiw;F�rorrtv��vn,,,,,,,,,,,
Flood Insurance Coverage Improvement Plan (complete) 60
Ric6 � y
Adopt a Watershed Master Plan to evaluate impacts of SLR 90
NOAA "Intermediate-high" for year 2100 (Complete)
Evaluating all storms up to and including 100-yr. event 30
(complete)
Rq,N�x?tffiivq? U)ss orq?a ki 4 sits (RL ) 1440
Ac6 � 54(�; rana stern°Main#et� nce Cim It "Pepin , S Iu�e
Problem Site Maintenance (PSM) 50
Capital Improvement Program for Drainage Projects (CIP) 50
Additional Proposed Credit 420
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1.6
Current CRS Credit 2,850
d22 Class 4 Piroisosod Credit 3,000°ioir Class 4) 3,270
The following is from the Executive Summary of the report:
Executive Summary
Monroe County is subject to periodic flooding from rain, sea level rise, and storm surge. One
measure of the intensity and impact of these floods is flood insurance claims. Between 1978 and
2017, there were 11,205 flood insurance claims paid in unincorporated Monroe County. Of those,
10,896 (97%) were from the six major storms discussed in Chapter 2. The average claim payments
for the last two, Wilma and Irma, were over $30,000 and $35,000, respectively.
Many properties in the County have been subject to repetitive floods. Nationally, the cost of paying
repetitive insurance claims have made them a priority for the National Flood Insurance Program.
Under FEMA's definition of a repetitive loss property, only a little more than 1% of the County's
flood insurance polices account for 19% of the claim payments since 1978. Repetitive flooding is
therefore a major concern in Monroe County.
Analysis
Instead of focusing on just the officially designated repetitive loss properties that have flooded two
times or more in the past, this analysis looks at repetitive loss areas. An "area" has the repetitive loss
properties designated by FEMA and other nearby properties that are exposed to the same flood risk
(often called "repetitive loss properties in waiting"). Monroe County has 60 repetitive loss areas
which have from one to 699 properties with a total of 9,546 properties.
Appendix A has maps and summary data on the 60 repetitive loss areas in unincorporated Monroe
County. The data come from on a windshield survey, claims data, and County Appraiser files. The
exact location of the 4FEMA-designated repetitive loss properties cannot be identified because of
the Privacy Act. For this analysis, there is no differentiation between FEMA repetitive loss, single
loss, insured but no claim payments, and uninsured properties. All properties exposed to the
repetitive flood hazard deserve attention. Table below is a summary of the areas.
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Solutions
Chapter 2 of this report re viewspalgood and th 6£impa G on people an J property. Chapter 3
discusses alernallvemlgSo projects to address these impac ts. Th\ acorganized under two
approaches:
® Flood control projects Nonstructural projects
® Sec structures Acquisition
® Seawalls Elevation
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• Beach and dune nourishment Mitigation reconstruction
• Drainage improvements Barriers
• Dry floodproofing
• Wet floodproofing
Different projects do better in different situations, so Chapter 4 identifies ways to determine the best
approaches to mitigate the impacts of repetitive flooding. Chapter 5 concludes with
recommendations for the County and for repetitively flooded property owners. County actions focus
on protecting critical facilities and roads and helping property owners with information, technical
assistance, and funding. Recommended property owner actions include learning about nonstructural
measures that they can implement and sources of financial assistance and maintaining flood
insurance coverage.
PREVIOUS RELEVANT BOCC ACTION: On November 17, 2017, FEMA approved Monroe
County's upgrade in the Community Rating System to a Class 5 rating.
CONTRACT/AGREEMENT CHANGES:
N/A
STAFF RECOMMENDATION: Staff recommends the Board of County Commissioners ....
DOCUMENTATION:
CRS_ClassS_Approval
Monroe Co RLAA 1.13.2020 REV 1 14 20
FINANCIAL IMPACT:
Effective Date: N/A
Expiration Date: N/A
Total Dollar Value of Contract: N/A
Total Cost to County: N/A
Current Year Portion: N/A
Budgeted: N/A
Source of Funds: N/A
CPI: N/A
Indirect Costs: N/A
Estimated Ongoing Costs Not Included in above dollar amounts: N/A
Revenue Producing: N/A If yes, amount:
Grant: N/A
County Match: N/A
Insurance Required: N/A
Additional Details: N/A
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N/A
REVIEWED BY:
Assistant County Administrator Christine Hurley Completed
01/07/2020 6:31 PM
Steve Williams Completed 01/08/2020 7:53 AM
Budget and Finance Completed 01/08/2020 8:08 AM
Maria Slavik Completed 01/08/2020 8:45 AM
Kathy Peters Completed 01/08/2020 10:33 AM
Board of County Commissioners Pending 01/22/2020 9:00 AM
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1.6.a
U.S.Department of Homeland Security
500 C Street, SW
Washington,DC 20472
Zi
FEMA
0
J
November 17,2017
0
The Honorable George Neugent
0
Mayor of Monroe County
500 Whitehead Street, Suite 102
Key West,FL 33040
0
Dear Mayor Neugent:
0
Congratulations! The Department of Homeland Security,Federal Emergency Management Agency(FEMA),has
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 0
percent discount in the premium cost of flood insurance for NFIP policies issued or renewed in Special Flood Hazard U)
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
are limited to a CRS discount of ten percent in Class 1-6 communities and five percent in Class 7-9 communities. The U)
rates for these zones already reflect significant premium reductions. 0
as
If there are no NFIP noncompliance actions,the CRS rating for your community will automatically be renewed annually
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
keep your community informed.
I commend you on your community actions and your determination to lead your community to be more disaster resistant. >
This commitment enhances public safety,property protection,and protects the natural functions of floodplains,and 0
reduces flood insurance premiums.
I
If you have any questions or need additional information,please contact the FEMA Region IV Office,CRS Coordinator, U)
Janice Mitchell,by telephone at(770)220-5441. U)
Sincerely, t�sl
A��4
William H. Lesser,CRS Coordinator
Federal Insurance and Mitigation Administration
Enclosure
cc: Lori Lehr,CRS Coordinator
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