Item I9J/:
BOARD OF COUNTY COMMISSIONERS
C ounty of M onroe
Mayor Heather Carruthers, District 3
Mayor Pro Tem Michelle Coldiron, District 2
TheFloridaKeys
Craig Cates, District 1
David Rice, District 4
Sylvia J. Murphy, District 5
County Commission Meeting
February 19, 2020
Agenda Item Number: I.9
Agenda Item Summary #6573
BULK ITEM: No DEPARTMENT: Building
TIME APPROXIMATE: STAFF CONTACT: Christine Hurley (305) 292-4441
10:00 A.M.
AGENDA ITEM WORDING: Adopting a Resolution to adopt the 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 under the CRS rating Class 5).
ITEM BACKGROUND: Participants in the National Flood Insurance Program (NFIP) are able to
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.
Premium Reduction!
CRS Class!Credit Points!In SFHA!Outside SFHA!
1!4,500+!45%!10%!
2!4,0004,499!40%!10%!
3!3,5003,999!35%!10%!
4!3,0003,499!30%!10%!
5!2,5002,999!25%!10%!
6!2,0002,499!20%!10%!
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7!1,5001,999!15%!5%!
8!1,0001,499!10%!5%!
9!500999!5%!5%!
10!0499!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 heard for adoption on 2/19/2020.
CRS Activities!
Points!
Activity 370 Flood Insurance Promotion! !
Flood Insurance Coverage Improvement Plan (complete)!60!
Activity 450 Watershed Master Plan (WMP) (Adopted August 2019)!
Adopt a Watershed Master Plan to evaluate impacts of SLR
90!
-!
Evaluating all storms up to and including 100-yr. event
30!
(complete)!
Activity 510 Floodplain Management Plan (FMP)!
Repetitive Loss Area Analysis (RLAA)!140!
Activity 540 Drainage System Maintenance (Complete Pending ISO Review)!
Problem Site Maintenance (PSM) !50!
Capital Improvement Program for Drainage Projects (CIP)!50!
Additional Proposed Credit! 420!
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Current CRS Credit!
2,850!
CRS Class 4 Proposed Credit (3,000 for 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.
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 bsfbt
properties designated by FEMA and other nearby properties that are exposed to the same flood risk
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 reviews past floods and their impacts on people and property. Chapter 3
discusses alternative mitigation projects to address these impacts. They are organized under two
approaches:
!Flood control projects Nonstructural projects
!Beach 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
Class 5 rating.
On January 22, 2020, the BOCC approved the draft Repetitive Loss Area Analysis.
CONTRACT/AGREEMENT CHANGES:
N/A
STAFF RECOMMENDATION: Staff recommends the BOCC approve the item and adopt the
Repetitive Loss Area Analysis via the attached Resolution.
DOCUMENTATION:
Resolution Repetitive Loss Area Analysis
Monroe County Repetitive Loss Area Analysis 2.1.2020
FINANCIAL IMPACT:
Effective Date: 2/19/2020
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
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Insurance Required: N/A
Additional Details: N/A
N/A
REVIEWED BY:
Assistant County Administrator Christine Hurley Completed
02/03/2020 8:50 AM
Steve Williams Completed 02/03/2020 9:47 AM
Rick Griffin Completed 02/03/2020 9:49 AM
Maureen Proffitt Completed 02/03/2020 10:42 AM
Budget and Finance Completed 02/04/2020 8:47 AM
Maria Slavik Completed 02/04/2020 8:48 AM
Kathy Peters Completed 02/04/2020 9:00 AM
Board of County Commissioners Pending 02/19/2020 9:00 AM
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