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Resolution 2022-32216 RESOLUTION NO. 2022-32216 A RESOLUTION OF THE MAYOR AND CITY COMMISSION OF THE CITY OF MIAMI BEACH, FLORIDA, ADOPTING THE NATIONAL FLOOD INSURANCE PROGRAM COMMUNITY RATING SYSTEM PROGRAM FOR PUBLIC INFORMATION PLAN PREPARED BY THE CITY'S AD-HOC PROGRAM FOR PUBLIC INFORMATION COMMITTEE, IN ACCORDANCE WITH NATIONAL FLOOD INSURANCE PROGRAM REQUIREMENTS FOR CREDIT UNDER THE COMMUNITY RATING SYSTEM. WHEREAS, the goals of the Federal Emergency Management Agency's ("FEMA") National Flood Insurance Program ("NFIP") are to provide flood insurance to property owners, to encourage flood loss reduction activities by communities, and to save taxpayers' money; and WHEREAS, the City of Miami Beach participates in the NFIP and the Community Rating System ("CRS"), a voluntary program that provides both incentives and tools to further these goals; and WHEREAS, participation in the CRS saves residents money by reducing flood insurance premiums at an estimated $8.6 million annually; and WHEREAS, the Program for Public Information ("PPI") provides activity points to improve the City's CRS score, which in turn helps to reduce flood insurance premiums; and WHEREAS, an advisory ad hoc Resiliency Communications Committee was first created per Resolution No. 2016-29585 to serve as a PPI Committee (the "Committee") from October 1, 2016 through October 1, 2017; and WHEREAS, the latest advisory ad hoc Program for Public Information Committee was created pursuant to Resolution 2021-31936, and will expire on December 31, 2022; and WHEREAS, the Committee prepares an annual evaluation report, which is then submitted to the Mayor and City Commission; and WHEREAS, a PPI was developed by the prior Committee according to a seven-step planning and public involvement process defined by the Community Rating System Program, and was later adopted by the Mayor and City Commission via Resolution No. 2017-29771; and WHEREAS, a new Program for Public Information is required every five-years, and on June 16, 2022, the Committee approved the new 2022 PPI to be transmitted to City Commission, which is attached hereto as Exhibit A. NOW, THEREFORE, BE IT DULY RESOLVED BY THE MAYOR AND CITY COMMISSION OF THE CITY OF MIAMI BEACH, FLORIDA, that the Mayor and City Commission hereby adopt the National Flood Insurance Program Community Rating System Program for Public Information Plan prepared by the City's Ad-Hoc Program for Public Information Committee, in accordance with National Flood Insurance Program requirements for credit under the Community Rating System. PASSED and ADOPTED this 20 day JU A. 022/ ATTEST: /---y Dan Gelber, Mayor Rafael E. Granado, City Clerk 1 \ UINCORP. ORATEO.•0sJUL 2 5 2022 .. A _ APPROVED AS TO FORM & LANGUAGE & FOR EXECUTION I City Attorney q` Date Resolutions -C7 E MIAMI BEACH COMMISSION MEMORANDUM TO: Honorable Mayor and Members of the City Commission FROM: Alina T. Hudak, City Manager DATE: July 20, 2022 SUBJECT:A RESOLUTION OF THE MAYOR AND CITY COMMISSION OF THE CITY OF MIAMI BEACH, FLORIDA,ADOPTING THE CITY'S AD-HOC PROGRAM FOR PUBLIC INFORMATION COMMITTEE'S PLAN, WHICH IS A PROGRAM FOR PUBLIC INFORMATION (PPI) FOR FLOOD-RELATED INFORMATION, TO SATISFY NATIONAL FLOOD INSURANCE PROGRAM REQUIREMENTS FOR CREDIT UNDER THE COMMUNITY RATING SYSTEM ATTACHED HERE TO AS EXHIBITA. RECOMMENDATION It is recommended that the City Commission accept the National Flood Insurance Program (NFIP) 2022 Program for Public Information (PPI) prepared for the Community Rating System (CRS) program by the Program for Public Information Committee. The committee's continuous participation and work is required to monitor the implementation of flood awareness projects, which provide valuable activity points for the CRS program. BACKGROUND/HISTORY The Federal Emergency Management Agency (FEMA) established the National Flood Insurance Program (NFIP) Community Rating System (CRS) in 1990. The Community Rating System (CRS) is a voluntary program under the Federal Emergency Management Agency (FEMA) National Flood Insurance Program allowing communities to earn flood insurance discounts. Cities earn points for conducting activities promoting flood insurance and reducing flood risk. The CRS rating scores range from 1 to 10 (1 being the highest and 10 the lowest). Miami Beach pursued an aggressive goal to improve its CRS ranking from a Class 6 to a Class 5 and was officially awarded the new score in May of 2019. As a result, many new policies and renewals after May 1, 2019 have been able to save 5% more on flood insurance premiums. With this score improvement, the City receives a 25% discount that totals $8.6 million in savings annually. In April of 2022,the City received notice of the successful three-year recertification audit and will retain the Class 5 score. This helps offset increasing federal rates. The Program for Public Information Committee (PPI)was first created by the City Commission through Resolution No. 2017-30104 on November 29, 2017. The original Program for Public Information Plan was approved on March 1, 2017 via Resolution No. 2017-29771. A progress report is submitted annually to the City Commission as required by the program. On June 16, Page 189 of 1502 2022, the PPI Committee approved the Five-Year Program for Public Information Report to be transmitted to City Commission. ANALYSIS The mission of the proposed Program for Public Information Committee is to create and monitor a Program for Public Information (PPI) plan with the purpose of reducing flood risk and ultimately reducing the cost of flood insurance. The committee meets twice a year to address CRS requirements as well as monitoring and evaluating the plan. The committee's composition requires representation from communications, floodplain management, real estate, banking, and insurance. The committee was first created by the City Commission through Resolution No. 2017-30104 on November 29, 2017. The Program for Public Information Committee members are: • Melissa Berthier, Communications Representative, Director, Marketing and Communications Department • Alex Carrasco, Banking Industry Representative Vice President, Iberia Bank • Scott Diffenderfer, CI PS, LCAM, Real Estate Agent Representative Licensed Real Estate Broker Associate, Compass, President of the Belle Isles Residents Association • Carlos Gutierrez, PA, Real Estate Agent Representative Broker Associate, Coldwell Banker 2016 President Miami Association of Realtors • Mohsen Jarahpour, CFM, Floodplain Manager Building Department • John J. Lee, Insurance Agent Vice President, FirstService Financial • Amy Knowles, Chief Resilience Officer, Committee Liaison This year, the committee focused on creating a new Program for Public Information, as required by the CRS. The new Program for Public Information includes revised messaging, updated target audiences, and outreach projects. New Activities were incorporated into the document, along with a collection of updates. This new PPI will act as a project guide for the next five years. The National Flood Insurance Program Public Information Plan details the city's various flood mitigation efforts and promotes flood awareness, and the City Commission adopted the last annual update on December 8, 2021, via Resolution No. 2021-31936. The new 2022 Program for Public Information Plan, Attachment 1, includes: • A new Program for Public Information Plan • Updated Target Audiences • Revised Messaging • Inventory of Other Public Information Efforts • Five Year Outreach Implementation Table; and • Other Updates. SUPPORTING SURVEY DATA According to the 2022 Community Survey, residents of the City of Miami Beach identified stormwater and drainage improvement efforts as high priority. 61% of respondents felt that stomiwater and drainage improvements were the most important capital improvement project the city could undertake. 79.8% of respondents were either supportive or very supportive of the Page 190 of 1502 city spending tax dollars to address sea-level rise. FINANCIAL INFORMATION City staff, specifically the Chief Resilience Officer, (City Manager's Office), the Floodplain Manager (Building Department), and the Director of Marketing and Communications all dedicate hours to the Committee, reports and activities. Outreach is distributed through existing communications channels with some target direct mailing and materials at a cost of less than $10,000 annually. Due to the City's performance in the FEMA full Community Rating System program, most NFIP policy holders receive a 25% discount that totals $8.6 million in savings annually. CONCLUSION The administration recommends the City Commission accept the Program for Public Information Plan to continue reducing flood risk through awareness communications and to increase National Flood Insurance Program Community Rating System points, earning significant flood insurance premium discounts for residents and businesses. Applicable Area Citywide Is this a "Residents Right Does this item utilize G.O. to Know" item, pursuant to Bond Funds? City Code Section 2-14? Yes No Legislative Tracking Environment and Sustainability Sponsor Commissioner Alex Fernandez ATTACHMENTS: Description o Exhibit A Page 191 of 1502 ti �4 r x I 1 ass - • _J - - fs. '''' . ^ ra i.+ --r 4' .- f. , { , v f% ;l t r i / Sri +fir i ; ,- 1, .f- - 2022 Program for Public Information National Flood Insurance Program Community Rating System BEACH ISI \ O A 3OVF Mayor and City Commission Dan Kristen Rosen Alex Steven Ricky David Gelber Gonzalez Pending Fernandez Meiner Arriola Richardson Mayor Vice Mayor Commissioner Commissioner Commissioner Commissioner Commissioner Program for Public Information Committee 2022 Melissa Berthier Carlos Gutierrez Chair Vice Chair Marketing & Real Estate Communications Representative Director Scott Mohsen John J. Lee Alex Diffenderfer Jarahpour Carrasco Real Estate Floodplain Insurance Banking Representative Manager Representative Industry Representative City Manager's Office Amy Knowles Chief Resilience Officer Juanita Ballesteros Senior Resilience Analyst Tafari Torres Florida International University Intern 2 Page 193 of 1502 DEVELOPED FOR THE NATIONAL FLOOD INSURANCE PROGRAM COMMUNITY RATING SYSTEM °Oil c%)......,..tARTA., t, � � 10 4 J rbi J , v 9'; i Q �' 1, - NATIONAL FLOOD ��'4ND c, INSURANCE PROGRAM "�� FEMA J U LY 20, 2022 3 Page 194 of 1502 Table of Contents INTRODUCTION & BACKGROUND 5 OVERVIEW 5 PROGRAM FOR PUBLIC INFORMATION (PPI) COMMITTEE OVERVIEW 7 OUR COMMUNITY'S PUBLIC INFORMATION NEEDS 8 MIAMI BEACH 8 Flood Hazard for Miami Beach 8 Severity of the Flood Hazard 8 Flood Protection Measures 8 Priority Areas 9 FLOOD INSURANCE COVERAGE ASSESSMENT 9 Summary Findings of 2022 Flood Insurance Coverage Assessment 12 Flood Insurance Coverage Improvement Plan 12 PROJECT DESIGN 13 Target Audiences 13 Inventory of Other Public Information Efforts 13 MIAMI BEACH MESSAGES 16 OTHER PUBLIC INFORMATION INITIATIVES 18 OUTREACH PROJECTS AND ADDITIONAL COMMUNITY RATING SYSTEM ACTIVITIES 18 Outreach Implementation Plan 20 EVALUATION, OWNERSHIP, & ADOPTION 28 4 Page 195 of 1502 INTRODUCTION & BACKGROUND OVERVIEW This Program for Public Information (PPI) is the FLOOD INSURANCE FACTS City of Miami Beach's communications plan to reduce flood risk and to help reduce the cost of flood insurance premiums for residents and • The City of Miami Beach participates in businesses the National Flood Insurance Program (NFIP)Community Rating System The City of Miami Beach is a vibrant coastal (CRS). community. Rich in history, culture, and home to 14 historic districts, the city also has a low- • Miami Beach has improved its score to lying topography making it vulnerable to flood a Class 5.This makes the city one of the few municipalities to achieve this risk. score in Miami-Dade County. The city works to reduce flood risk on many • This effort saves residents and fronts. This includes a mature dune system to businesses 25%on their flood reduce the impact of storm surge and erosion, a insurance premiums—an estimated comprehensive stormwater management $8.6 million in annual savings. program, the elevating of low-lying streets, requiring new and substantial construction to build higher than base flood elevation, and higher sea wall elevation. This Program for Public Information (PPI) document is an initiative to gain valuable points to reach our CRS (Community Rating System) goal that currently reduces the cost of flood As a coastal barrier island, 97% of the insurance premiums. The Community Rating properties in City of Miami Beach are System (CRS) is a voluntary program under the located within or near a Nigh Risk Federal Emergency Management Agency Flood Zone Area (Special Flood (FEMA). Participation in the program allows Hazard Areas "SFHA") as mapped by communities to earn flood insurance discounts. FEMA. The flood zone requires flood Under FEMA's National Flood Insurance Program insurance coverage for any building (NFIP), communities earn points for conducting with a federally backed mortgage. activities promoting flood insurance and reducing flood risk. The CRS rating is scaled from 1 to 10, with 1 being the best. Miami Beach pursued an aggressive goal to improve its CRS ranking from a Class 6 to a Class 5 and was officially awarded the new score in 5 Page 196 of 1502 2019. In December 2020, the city undertook a 3-year verification audit, a comprehensive review of all CRS activities. With the conclusion of this audit in April 2022, the city retained its Class 5 rating. As a result of this score, the community is eligible to receive a 25% discount on federal flood insurance—totaling $8.6 million in annual savings. This helps offset increasing federal rates. The program complements the city's approach to public participation and is a key part of its resilience communications strategies. Keeping flood insurance as affordable as possible within the current NFIP is one of the ways the City of Miami Beach works to prioritize physical and economic resilience for the community. The PPI requires a plan for implementation and an annual report updating the City Commission about the different outreach programs implemented. In 2017, the City of Miami Beach created the first Program for Public Information (PPI). Part of drafting a PPI requires the forming of a PPI Committee. The PPI Committee meets to monitor and evaluate the status of communications projects and outcomes. City staff also conducts outreach projects, other CRS activities and collects data on implementation and measures. The CRS requires a community's Program for Public Information (PPI) to be updated every year. Every five years a community is tasked with creating an entirely new plan. Pursuant to the guidelines outlined in the CRS, and in alignment with new CRS updates, this new PPI provides refreshed messages and outreach projects. The substance of this Program highlights the progress made towards desired outcomes, discusses project implementation statuses, and includes an update on existing recommendations as well as new ones. THE PROGRAM FOR PUBLIC INFORMATION NOT ONLY SHOWS ACTIVITIES CONDUCTED BUT ALSO DEMONSTRATES THE IMPACT THAT OUTREACH PROJECTS HAVE IN THE COMMUNITY. THIS REPORT ALLOWS THE COMMITTEE TO KEEP TRACK OF THE PLAN'S OUTCOMES, CELEBRATE ACHIEVEMENTS, IDENTIFY AREAS OF IMPROVEMENTS,AND CONTINUE PLANNING FOR THE FUTURE. 6 Page 197 of 1502 PROGRAM FOR PUBLIC INFORMATION (PPI) COMMITTEE OVERVIEW The Program for Public Information (PPI) Committee, made up of private and public stakeholders, guided the Program for Public Information (PPI). This year, in 2022, the Committee followed the seven-step planning, and public involvement process defined by the Community Rating System (CRS) Program. Their unique perspectives and expertise helped define target audiences, messages, outcomes, and outreach methods. The Committee also addressed other CRS activities that complement the PPI for extra activity points, including: • 320 Map Information Services, • 330 All Hazards Guide, • 330 Flood Insurance Coverage Assessment, • 340 Real Estate Agents Disclosure and Information Brochure, • 360 Flood Protection Information including technical and financial assistance, and • 540 Drainage System Maintenance. The City of Miami Beach has a wealth of knowledge regarding flood hazards and flood risk. The Committee is comprised of six stakeholders, each with valuable perspectives and insight on flood risk and insurance. The Committee member expertise is specified by the CRS program, which requires representation from the city's Communications Department, the city's Floodplain Office, in addition to representation from local real estate, banking, and insurance sectors. The Committee was previously formed by the City Commission through Resolution No. 2016-29585 on September 27, 2016; Resolution No. 2017-30104 on December 13, 2017; Resolution No. 2018-30658 on December 12, 2018; Resolution No. 2019-31083 on December 11, 2019; Resolution No. 2020-31527 on December 9, 2020; and Resolution No. 2021-31936 on December 8, 2021. The committee has been re-created annually to comply with the CRS program. Melissa Berthier, Chair Director Office of Marketing and Communications Carlos Gutierrez, PA Real Estate Agent Vice-Chair Broker Associate, Coldwell Banker 2016 President Miami Association of Realtors Alex Carrasco Banking Industry Representative Vice President, Iberia Bank 7 Page 198 of 1502 Scott Diffenderfer, CIPS, Real Estate Agent LCAM Licensed Real Estate Broker Associate, Compass President of the Belle Isles Residents Association Mohsen Jarahpour, CFM Floodplain Manager Building Department John J. Lee Insurance Agent Vice President, FirstService Financial Our Community's Public Information Needs Miami Beach Flood Hazard for Miami Beach The City of Miami Beach is a coastal barrier island bordering the Atlantic Ocean and Biscayne Bay. All properties within the City of Miami Beach are currently located in or near a High- Risk Flood Zone Area (Special Flood Hazard Areas, or SFHAs), as mapped by FEMA. The city faces flood risks throughout the year. Sunny day flooding, storm flooding, King Tides, storm surge, high groundwater, and sea level rise all pose serious threats to the city's community and infrastructure. The city monitors flooding throughout the year with its Stormwater Program Resilience Dashboard. The Dashboard tracks tides, tidal levels, flood locations, and flood requests from community members. When there is major flooding reported, pumps are pre-positioned to alleviate minor flooding. Of all requests from 2021, 40% concerned standing water from 0- 3 inches while 59% concerned significant standing water and stormwater flooding ranging from 3-12 inches of standing water. The remaining 1% concerned major flooding 12 inches and higher. Severity of the Flood Hazard Flooding is a significant natural hazard facing the City of Miami Beach. Damage brought on by floodwaters has the potential to affect residential areas, businesses, and tourists on the entire island. Flood Protection Measures The city has placed a range of flood protection measures including neighborhood improvement projects that have new stormwater infrastructure, road elevation, updated building codes, elevation requirements, seawall ordinances and upgrades, and a reinforcement of natural systems such as the city's dune system. 8 Page 199 of 1502 Priority Areas Priority Areas are identified within the CRS as "areas of the community with concerns related to floods or floodplains." As a coastal barrier island, the entirety of the City of Miami Beach is located in or near a high-risk area (Special Flood Hazard Area or SFHA). Acknowledging this fact, the Committee identified the entire City as a priority area for the purpose of the PPI. The City of Miami Beach has 55,231 buildings. 97% of properties in the city are in the SFHA AE Flood Zone. Location in the AE flood zone means that insurance is required for buildings with federally backed mortgages. As such, the city's messaging encourages everyone to obtain flood insurance. Flood Insurance Coverage Assessment CRS ACTIVITY 330 The Committee examined the current flood insurance coverage and areas, or types of properties, where coverage could be improved. Property data from 2021 was obtained by the Miami-Dade County Property Appraiser. National Flood Insurance Policy data from 2022 was obtained from the FEMA National Flood Insurance Program. These two data sets were coordinated and applied accordingly. Because the methodology between Miami-Dade County data and NFIP data differs and might be different time frames, the resulting tables may reflect these discrepancies. The City of Miami Beach has a high rate of flood insurance coverage. Table 1: Percentage of Buildings Insured in the City of Miami Beach: Based on Flood Zones Number of % Average Insurance in Average Flood Zone Policies Buildings Premium Insurance Units Insured Coverage Force Covera e g AE 40,368 51,330 79% $25,364,223.00 $628 $7,776,686,800 $192,645 X 3,208 3,976 81% $504,464.00 $157 $551,726,500 $171,985 Total 43,576 55,306 79% $25,868,687.00 $594 $8,328,413,300 $191,124 The data in Policies is provided directly by FEMA NFIP. The data for Number of Units is provided by Miami-Dade County. 9 Page 200 of 1502 Tables 1 illustrates that: • 79% of all buildings in the City of Miami Beach have National Flood Insurance Policies. • 79% of buildings in the Special Flood Hazard Area (SFHA) AE Zone have National Flood Insurance Policies. • 81% of buildings in the X Zone have National Flood Insurance Policies. Buildings in this area represent a small percentage, 7% of all buildings. Flood insurance is not required. Next, the Committee examined insurance based on the type of building occupancy. Table 2: Percentage of Buildings Insured in the City of Miami Beach: Based on Occupancy Policies in Number of Average Insurance in Average Occupancy Buildings Premium Insurance Force i Units Insured Premium Force Coverage SOL*Ce MP soma-wean, - Single Family 3,442 4,905 70% $ 7,393,926.00 $ 2,148 $1,032,543,900 $299,984 All other Residential 37,028 43,500 1.S% $ 11,016,724.00 $ 1,393 $6,368,339,000 $171,987 Non-Residential 896 6,901 13% $ 6,240,298.00 $ 6,965 $ 509,014,800 $568,097 Total 41,366 55,306 75% $ 24,650,948.00 r$ 596 $7,909,897,700 $191,217 Table 1 and Table 2 show a discrepancy in the total Policies in Force. This discrepancy comes directly from FEMA NFIP data and was not calculated by the Committee. This difference in totals causes the overall percentage of buildings insured to vary slightly, since there are more total policies counted in Table 1 than Table 2. As a result, Table 1 shows 79% of all buildings insured while Table 2 shows 75%of all buildings insured. There is more confidence in the total figure for Policies shown in Table 1, which is 43,576. The same FEMA NFIP data is used for Table 3 and Table 4, which look at Pre-FIRM and Post-FIRM numbers, the total for which is 43,573 policies. As such, we believe that the FEMA data provided for Table 2 might use different methodology and is less reliable. For this report, we will be using the total percentage from Table 1 of 79%coverage. Table 2 illustrates that: • 70% of Single-Family homes have National Flood Insurance Policies. • 13% of Non-Residential properties (commercial or other) have NFIP insurance coverage. Conducting an analysis of flood insurance coverage is an important step to increasing the level of insurance. While Miami Beach has a high level of coverage, at 79%, the data indicated that non-residential properties have a markedly low rate of coverage and can be targeted to increase flood insurance coverage. 10 Page 201 of 1502 The Committee then compared flood insurance coverage for Pre-FIRM and Post-FIRM buildings. The terms Pre- and Post-FIRM mean that the building was constructed either before or after the 1972 FEMA Flood Insurance Rate Maps (FIRM) were released. Table 3: Percentage of Pre-FIRM (Construction before 1972) Buildings Insured in the City of Miami Beach Number of Average Insurance in Average Flood Zone :Policies Buildings Premium Insurance Units Insured Coverage Force Coverage Sot w srxtrkcOumr AE 23,501 31,869 74% $20,123,428.00 $856 $3,821,210,800 $162,598 X 2,856 1,737 164% $411,208.00 $144 $480,400,900 $168,208 Total 26,357 33,606 78% $20,534,636.00 $779 $4,301,611,700 $163,206 Table 3 reflects a discrepancy between policies and number of units in the X Zone. The number of policies was derived from NFIP data and number of units were derived from Miami-Dade County Appraiser's Office data. Number of units was retrieved by filtering those properties built before the year 1972 in the Miami-Dade County Appraiser's Office 'Folio by Flood Zone'data sheet and further filtering the results by existing Flood Zones. Table 3 illustrates that: • 7S% of total PRE-FIRM properties are covered under National Flood Insurance properties. Table 4: Percentage of Post-FIRM (Construction after 1972) Buildings Insured in the City of Miami Beach Number of Average Insurance in Average Flood Zone Policies Buildings Premium I Insurance Units Insured Premium 1 Force Coverage SOURCE MP SOURCE COWRY AE 16,864 19,271 88% $5,240,795.00 $311 $3,955,476,000 $234,551 X 352 2,204 16% $93,256.00 L $265 $71,325,600 $202,630 Total 17,216 21,475 80% $5,334,051.00 r $310 $4,026,801,600 $233,899 Table 4 illustrates that: • 80% of total POST-FIRM properties are covered under National Flood Insurance Policies, 11 Page 202 of 1502 • 16% of the POST-FIRM buildings located within the X zone are covered under National Flood Insurance Policies. Summary Findings of 2022 Flood Insurance Coverage Assessment Since overall findings identify the following areas with the lowest coverage, outreach within this plan is targeted to: • Non-Residential Properties and units in the AE Zone, • Single-Family Residential Properties in the AE Zone, and • Units located in the X Zone. Although insurance is not required, due to the proximity to the AE Zone, insurance coverage is encouraged. Flood Insurance Coverage Improvement Plan In order to increase insurance coverage for these groups, the following outreach projects are included in the Program for Public Information: Flood Insurance Coverage Improvement Plan (Also Included in the Outreach Implementation Plan) Targeted Group Project Department Assignment Schedule Non-Residential OP #8 - Fact Sheet Building, Finance Annual, Summer (July) Properties and Units in emailed and mailed with the AE Zone the Business Tax Receipt (BTR) Renewals Single-Family OP #1 - MB Magazine City Manager's Office Annual, Hurricane Season Residential Properties in OP #2 - Letter from the AE Zone Elected Leadership encouraging flood insurance messaging Units located in the X OP #1 - MB Magazine Building, Communications Quarterly (Began Spring Zone OP #2 - Letter from 2017) Elected Leadership encouraging flood insurance messaging 12 Page 203 of 1502 Project Design Target Audiences The Committee identified a list of target audiences informed by the flood insurance coverage assessment and by their areas of expertise. The following target audiences were identified: Target Audience List Cate•or S.ecific Audience T •es Repetitive Loss Areas Tenants Residents Property Owners - Condominium Owners Condominium Associations Neighborhood Associations Real Estate and Insurance Agencies Tenants Businesses Property Owners Contractors Seawall Owners The Committee decided to target these audiences with the ten important messages created in the 2017 Program for Public Information Plan. These messages can be viewed starting on page 17. The first six messages follow the required CRS topics, with four more added by the Committee. The four additional messages are optional but provide the ability to tailor messages to meet Miami Beach's community needs. The Committee has worked to clarify messages in order to better inform the community. Inventory of Other Public Information Efforts To target these communities more effectively, and to avoid unnecessary duplication of efforts, the PPI has conducted an inventory of existing outreach projects. This inventory includes community-based information efforts, city-wide initiatives, and plans implemented by other organizations and/or agencies. The following table is a collection of current initiatives in place that support the Community Rating System goals. 13 Page 204 of 1502 Inventory of Other Public Information Efforts ORGANIZATION PROJECT SUBJECT MATTER FREQUENCY 1. City of Miami Beach MB Magazine Storm water program, Quarterly Communications hurricane and King Tide Department preparedness, flood safety Flood Awareness CRS flood related topics 3 times per year (Magazine, Hotel Association) Website 10 CRS flood related topics Ongoing Instagram, Facebook, Hurricane and King Tide Year-Round Twitter, Nextdoor, preparedness, flood safety YouTube, Text Messages E-Blasts (news) Hurricane and King Tide Year-Round preparedness, flood safety Media Collaboration, Hurricane and King Tide Hurricane Season Interviews Preparedness, flood safety and King Tide Season Vehicle Messaging Hurricane and King Tide Hurricane Season Service preparedness, flood safety and King Tide Season 2. City of Miami Beach Elevation Certificates Available elevation Year-Round Building Department certificates for properties 3. City of Miami Beach Incident Action Reports, Hurricane and King Tide Hurricane Season Emergency Community Meetings, preparedness, flood safety and King Tide Management Community Emergency Season Response Team Meetings 4. City of Miami Beach Instagram, Twitter, King Tide Preparedness, King Tide Season Environment and Facebook, Nextdoor, Storm Drain/Biscayne Bay (Spring and Fall) Sustainability YouTube Cleanliness Ongoing 14 Page 205 of 1502 5. Miami-Dade County Hurricane Guide, Hurricane and flood Every year Emergency Flood Response preparedness, evacuation Management Preparation Guide routes 6. Miami-Dade County Coastal Cleanup Live, Love and Clean our Every year in the Bay Baynanaza, Protecting Spring Natural Floodplain Functions 7. Ocean Conservancy Coastal Cleanup Trash Free Seas, Protecting Every Year Natural Floodplain Functions 8. Clean Miami Beach Coastal Cleanup Beach cleanup, Dune Annually cleanup, Protecting Natural Floodplain Functions 9. Debris Free Oceans Ocean cleanup, Beach Protecting Natural Annually Cleanup, Coastal Floodplain Functions Cleanup 10. South Florida Water "Flood Awareness Month" in Every Year in June Management South Florida Keep Ditches, swales, drainage grates and retention lakes clear of debris, trash and other discarded material. Report the location and condition of any clogged or damaged facilities to the proper authority, 11. National Weather Hurricane Tracking Maps, Year-Round Service evacuation zones, Turn Around Don't Drown! Be Safe! It's never safe to drive or walk into flood waters. Flood Preparedness. 12. Army Corps of Beach renourishment Beach Renourishment Based on planned Engineers projects 13. FEMA Don't get caught Ongoing unprepared. Have a place to go. Be prepared before the next flood. A single storm can ruin your financial future. Protect what matters. 14. National Oceanic and Updated SLR projections Know Your Flood Hazard, Atmospheric Flood Related Topics Association 15 Page 206 of 1502 Miami Beach Messages The Committee formulated a series of ten messages tailored to the floodplain hazards specific to each target audience member. The information contained in the ten messages promotes flood mitigation measures and education on flood risks in the community. A chart detailing Miami Beach's ten messages and how they correspond with CRS Priority Topics can be seen below. CRS Priority Topics Miami Beach Messages 1. Know Your Flood Hazard Know Miami Beach's Flood Risk (Required CRS Topic) Example Additional Text: 97% of properties on Miami Beach are located in a Special Flood Hazard Area, as mapped by FEMA. Miami Beach is reducing risk through elevating roads, a new stormwater system, and new construction regulations to build higher. Contact the city's building department and Floodplain Management staff for relevant information elevation requirements and flood zones at 305.673.7610 ext. 6770 or 6165. 2. Insure Your Property for Your Know Your Flood Insurance Coverage! Flood Hazard (Required CRS Example Additional Text: Topic) Flood damage is generally not covered by standard homeowner, renter, or hurricane insurance. Make sure to know what your policy covers. For more information on flood policies visit Floodsmart.gov 3. Protect People from the Hazard Be Smart if You See Flood Waters! (Required CRS Topic) Example Additional Text: Avoid driving through or coming in contact with flood waters. Make sure you are tuned into Miami Beach social media and local weather alerts. Follow Miami Beach on Instagram and Twitter @MiamiBeachNews for up-to-date information on local flood risks. Text MBALERT to 888777 for emergency updates. 4. Protect Your Property from the Keep Your Home and Belongings Dry Hazard (Required CRS Topic) Example Additional Text: Elevate important appliances like washers and dryers. Choose water-resistant materials like tile flooring instead of wood. Provide flood openings in non-habitable areas. For other suggestions view the resources on our flood awareness page at Flood Awareness I City of Miami Beach (miamibeachfl.gov) 16 Page 207 of 1502 5. Build Responsibly (Required CRS Build Resiliently Topic) Example Additional Text: Follow the Building Code. Get a permit before you build. Each property's elevation is unique - obtain an elevation certificate to understand yours and potentially lower your cost of flood insurance. For more information on elevation certificates and how to get one, visit Elevation Certificates - Miami-Dade County (miamidade.gov). The City may have elevation certificates for properties built after 1995, applicants can inquire by calling (305) 376-7610. 6. Protect Natural Floodplain Our Natural Systems Enhance our Flood Protection Functions Example Additional Text: Beach sand dunes and vegetation, coral reefs, and green open areas are natural flood barriers. The City of Miami Beach has taken extensive efforts towards beach and Dune renourishment. View our relevant projects at Natural Resources Management j City of Miami Beach (miamibeachfl.gov) to see how the City promotes effective floodplain management. 7. Storm, Hurricane and King Tide Have a Plan! South Florida Can Experience Flooding Preparedness (Additional CRS from Hurricanes and King Tides Topic) Example Additional Text: Know your evacuation routes, and how to protect yourself and your loved ones. You can find your nearest hurricane evacuation route at Evacuation Information I City of Miami Beach (miamibeachfl.gov). 8. Surface Water Quality Keep It Clean! Keep Storm Drains Clean! Example Additional Text: Don't Litter! Keep storm drains clear of litter and debris to prevent flooding and keep Biscayne Bay clean. Report issues to the free Miami Beach e-gov App or call 305. 604.CITY 9. Financial Assistance for Flood Financial Assistance. Mitigation (Additional CRS Topic) Example Additional Text: Financial Assistance relief is available for properties that have experienced damage. Learn more by contacting the Grants Office at 305-673-7510 10.Technical Assistance (Additional Miami Beach is Here to Help CRS Topic) Example Additional Text: The Building Department offers free technical assistance to identify ways to reduce flood hazards. Call 305-673- 7610 to learn more. 17 Page 208 of 1502 Other Public Information Initiatives Outreach Projects and Additional Community Rating System Activities This program compliments the city's flood risk reduction initiatives that include a mature dune management system, a comprehensive stormwater management program, elevating low-lying streets, requiring new and substantial construction improvement to build higher than base flood elevation, and an ordinance raising sea wall heights. The city is also implementing a Private Property Adaptation Program, which will provide a 50/50 matching grant for property owners to undertake flood mitigation improvements. Sharing information about these initiatives is integrated into the key messages. In addition, the following CRS activities have been integrated into this plan. 1. Map Information Services (CRS Activity 320) As part of the city's ongoing outreach projects, Miami Beach Flood Awareness Messages and Flood Maps Information Availability are conveyed to homeowners, renters, business owners, real- estate agents, insurance agents, bankers, architects, engineers and contractors via Miami Beach Magazine, brochures, fact sheets/flyers, letters and Miami Beach's website. The outcome of this service will increase comprehensive flood awareness throughout the community. 2. All Hazards Guide (CRS Activity 330) Miami Beach's All Hazards Guide includes flood and hurricane preparedness and evacuation route information. The guide is annually conveyed to homeowners, renters, business owners, and visitors via brochures, social media, and Miami Beach's website. The outcome of this effort is to increase the community awareness about tropical storm and hurricanes as well as to inform the community on how they can protect their family and properties before, during, and after hurricane and flooding events. 3. Real Estate Agents Disclosure and Information Brochure (CRS Activity 340) As a continued element from the 2017 Program for Public Information, Miami Beach real-estate agents will provide a copy of the Miami Beach Real-Estate Agents Disclosure and Information Brochure to prospective homeowners, business owners, and renters. The outcome of this effort is that the prospective property owners will have, in advance, information about local flood maps and how they can obtain additional information and assistance about Flood Management Regulations, Florida Building Code and 50% rule requirements. 4. City of Miami Beach and Miami Beach Rising Above Websites (Activity 350) The Miami Beach Rising Above website provides information on flood mitigation for properties within the community. The City of Miami Beach's flood awareness page contains a host of relevant links to FEMA flood maps, Floodplain Management Assistance, and PPI Messaging and relevant Fact Sheets. 5. Flood Protection Information including technical and financial assistance (CRS Activity 360) As part of the City's annual outreach projects, Miami Beach 18 Page 209 of 1502 Flood Awareness Messages are mailed to the entire target area of Miami Beach - including residents and business owners through the MB Magazine. Letters are directly mailed to Repetitive Loss Properties Areas, which are defined by FEMA. The letters advise these property owners on Flood Protection Information and availability of technical and financial assistance. The desired outcome is building retrofits to reduce flood risk. 6. Flood Insurance Coverage Assessment and Improvement (Activity 370) The flood insurance coverage assessment included in this document details the specifics regarding coverage throughout the island. Using this assessment, the PPI was tailored to incorporate efforts aimed at increasing coverage certain target areas. The outcome of this effort is to improve coverage through the promotion of flood insurance and flood management materials. 7. Drainage System Maintenance (CRS Activity 540) Miami Beach Flood Awareness Messages and Environmental & Sustainability ongoing outreach projects publicize the message regarding keeping storm drainage systems and Biscayne Bay clean. The messaging also emphasizes the illegality of dumping in streams. The outcome of this effort is to keep Biscayne Bay clean and help prevent localized flooding. The following Outreach Implementation Plan details the audiences, messages, desired outcomes, projects to support the message, assignment, target date, and stakeholders that can help disseminate the information. It incorporates the additional CRS activities listed above. It will serve as a framework and timeline to ensure that information is shared both on a consistent basis, and to prepare before, during, and after an actual rain or flood event. 19 Page 210 of 1502 Outreach Implementation Plan Target Audience Messages Project(s)to Support OutcomesDepartmentScheduling Stakeholder Implementation Outcomes Messages Assignment MB Magazne- Information provided to all properties four times a year All of Miami Beach City Website featuring Ongoing OP pl: 10 Steps for Neighborhood Note that the flood flood awareness page. Increase comprehensive awareness messages and Messages 1-10 Flood Awareness Includes information, awareness of flood Communications MB Magazine:Four Associations Share Information tools,and floodMessages outreach projects are hazard and Miami Beach Tines a Year important for all of Miami insurance material Messages related to Beach residents and people and properties businesses since 97%of all protection for flood Email blasts,MBAIert, properties are within a events SFHA(Special Flood and Public Meetings Hazard Area) OP 42:Encouraging flood Letter from elected Ongoing Messages 1-5,7&9 insurance coverage and leadership City Manager's Office No king tide messaging Letter annual,summer E-Blasts Newsletter Increase comprehensive All of Miami Beach -- - awareness of flood OP a4:Hurricane Hurricane preparedness hazard and Miami Beach Note that the flood Emergency Management Yes-Residents,Business Messages 1.3&7-8 Messages related to Ongoing awareness messages and Communications messaging sent to /Communications Owners outreach projects are community(Activity 330) people and properties protection for flood important for all of Miami events Beach residents and Know YOUr Hazards businesses since 97%of all Weboaee properties are within a SFHA(Special Flood Hazard Area) OP IS:FEMA and State Ongoing Increase comprehensive Messages 2,3,4,S,9 of Florida Flood Hazard Available at ON Hall awareness of flood Building No and Flood Insurance hazards Provided on a continual Guides basis 20 Page 211 of 1502 Projects)to Support Department Target Audience Messages Messages Implementation Outcomes Scheduling Stakeholder g Assignment Email blasts All of Miami Beach Social Media Messaging Flood response procedure remains in Note that the flood Increase safety effect and is part of awareness before, Public Works manual awareness messages and during and after food Yes-Local news and outreach projects are Communications,Public OP#6:FLOOD RESPONSE Stormwater Dashboard events Spring and Fall King Tide social media sharing; important for all of Miami Messages 1-10 which tracks instances of Works,Emergency Beach residents and and Messaging 1-10 Management Season emails and local tin versifies based flood and drainage Reduce preventable preparation messages on projects and requests businesses since 97%of all related work orders that g accidents and damage properties are within a Public Works responds from flood waters Stormwater Dashboard is SFHA(Special Flood to.Includes standing updated regularly and Hazard Area) water and flooding project is ongoing issues. Community Meetings All of Miami Beach Note that the flood Increase comprehensw awareness messages and Vision 2070 Partnership awareness of flood Communications,Public Yes Residents,Chamber outreach projects are OP!t9 of Commerce Fact Sheet with Florida International hazard and Miami Beach Works,Capital Distribution,FEMA Map University and important for all of Miami Messages 1-10 Messages related to Improvement,Building Ongoing Beach residents and Update Information,and architecture students to people and properties Department,City Vision:Yes,Conducted in Flood Risk Reduction host workshops and Partnership with local businesses since 97%of all protection for flood Manager's Office properties are within a create a conversation events academic institute SFHA(Special Flood regarding the imagined Hazard Area) future of Miami Beach 21 Page 212 of 1502 Target Audience Messages Protect(s)to Support Department Outcomes Department Scheduling Stakeholder Messages Assignment MB Magazine NFIP Updates and R sk Rating OP alb FEMA Map 2.0 All of Miami Beach Updates and Risk 2.0 -- Commission Letter Note that the flood explaining changes Increase insurance awareness messages and coverage ro OP 45:FEMA and State outreachg projects are of Florida Flood Hazard See OP a5 for more Increase in the use of CityManager's Office, Yes Shared with important for all of Miami Messages 1-5&9 flood resistant materials Communications, Ongoing residents and elected and Flood Insurance information Beach residents and Increase comprehensive Building officials businesses since 97%of all Guides awareness of flood properties are within a hazard SFHA(Special Flood Community Meetings OP 19:Fact Sheet Hazard Area) Communicatingto Distribution,FEMA Map Update Information,and commission and Flood Risk Reduction residents Flood Risk 2.0 and Map Updates Increase comprehensive awareness of flood See OP$11,3,4.5 hazard and Miami Beach See OPa1,3,4,5 See OPN1,3,4,S Messages 1-10 messages related to Repetitive Loss Areas Letter mailed to RLA people and properties. (RLA) property owners to IRAs are defined by -- encourage flood resistant_ - Building FEMA] construction and prevent Increase building flood damage. OP a7:Letter mailed to retrofits and flood resistant materials Messages1-10 all RLA Properties Fall No inquiries from Repetitive Supporting Activity 360 Flood (Activity 360)check Loss Area property Protection Information) owners 22 Page 213 of 1502 Target Audience Messages Project(s)to Support Implementation Outcomes Deparement Scheduling Stakeholder Messages Assignment Flood-related public meetings OP 48:Fact sheets with Messages 1,2,3,4,5 improvements,and Publicly available Repetitive Loss Areas guidance for private information on website Increase in map (RIA) Maps Illustrate planned risk property resilient information inquiries (RLAs are defined by reduction improvements in building options from Repetitive Loss Building,Public Works Annual,Ongoing Yes-Shared FEMA) relation to Repetitive Loss Area property owners Areas(Activity 320) Activity 320-Map Information provided by Information Services Floodplain Manager and Building Department Staff See OP e1,3,4,5,6,16 Increase insurance Messages 1-B Provided on Website coverage,flood 2a.Residents:Tenants preparedness awareness City Manager's Office, Ongoing No Importance of insurance Building coverage for renters_ OP 48:Fact sheet for and the use of flood tenants Provided at meetings resistant materials Increase comprehensive City Manager's Office, CRS Messages 1-10 See OP e1,3,4,5,6 See OP e1,3,4,5,6 awareness of Miami Beach flood and Building, Ongoing Yes•Local news, Retweets Communications messages 2h.Residents:Property Community Events Owners OP e8:Fact sheet designed for renters and Increase retrofits,use of flood resistant materials owners highlighting risk Flood protection increase in Building, Messages 1,2,3,4,5,6 reduction from resilience Assistance meetings Ongoing Yes inquiries/technical Communications projects.Includin 8 conducted one-on-one assistance to the flood Relevant information on with Flood Plain Manager Plain Manager flood insurance (Activity 3601 23 Page 214 of 1502 Projects)to Support Department Target Audience Messages Messages Assignment Outcomes Assignment Scheduling Stakeholder Yes Associations share 2b Residents:Property OP M8 King Tide Fact Email blasts to Reduce preventable Communications, Spring and Fall King Tide with members, Messages 1-16 accidents and damage Environments and messages sent by email additional promotion Owners Sheets subscribers from flood waters Sustainability and social media through community newsletters As described previously See OP 41,3,4,5,9,16 it the'All of Miami Beach'Audience Increased insurance 3b.Residents: coverage Condo/Neighborhood Messages 1-10 Building, Ongoing Yes Associations share Shared by associations Communications with members Associations Increase retrofits,flood OP Mg:Fact Sheets with members resistant materials Provided at meetings See OP*1,3,4,6.16 Increase insurance coverage Emailed and Mailed with Increase retrofits,flood Building,City Manager's 4a.Businesses:tenants' Messages 1,10 Business Tax Receipt resistant materials Fall No OP p8.Fact Sheet (BTR)renewals (Targeted through Flood Office,Finance Insurance Coverage Improvement) See OP M1,3,4,5,6,16 Emailed and mailed with Messages 1-10 the Business Tax Receipt (BTR)renewals.(Activity Increase insurance Importance of insurance 360) coverage coverage and storm/flood Increase retrofits,flood 4b.Businesses:Property - — City Manager's Office, preparation resistant materials Fall No Owners' Building,Finance OP•8 Fact Sheet Flood protection (Targeted through Flood Elevation resources and Assistance meetings Insurance Coverage information on public conducted one-on-one Assess. infrastructure improvements with Flood Plain Manager (Activity 360) 24 Page 215 of 1502 Target Audience Messages Vroject(s)to Support Implementation Outcomes Department Scheduling Stakeholder Messages Assignment Message 1-8 See OP a6 Importance of protecting Increase resilient Issued with building Yes-Contractors share equipment and vehicles OP 18 Building retrofits,flood resistant Building Ongoing permits materials Building property owners Resiliently Fact Sheet Education in retrofits and flood resistant materials 4c.Businesses: Contractors Issued with building Message 8 permits(540) Importance of keeping the OP if8:Biscayne Bay and Reduce dumping and Building,Environment Yes-Contractors share Biscayne Bay clean and the storm drain cleanliness Activity 540-included as pollutant discharges to Ongoing and Sustainability with sub-contractors storm drain system clean Fact Sheet a condition in Right of storm drains and Bay Way and Building Permit Supports Activity 540 Condition See OP a1,3 Available on City Website Messages 1-8 Distributed to M8 OP 110:Real Estate Fact Agencies Maintain or increase The City isinvesting in flood Sheet flood insurance coverage risk reduction efforts.Know Distributed by Miami rates your elevation and your Association of Realtors Real Estate Agents and options to reduce risk Increase resilient Building, Yes-Real Estate retrofits with renovations Fall Agencies and agents Insurance Agents Communications share Resources to understand Targeted letter sent to Increase in information personal property elevation,if more than 90 real estate there is any history of flooding OP all Letter to Real inquiries,technical Estate Agents,Insurance agents,insurance agents, assistance to the Flood Supports Activity 340 Agents,and Banks and banks on Miami Plain Manager Beach advising about flood zone information 25 Page 216 of 1502 Target Audience Messages Project(s)to Support Implementation Outcomes Department Scheduling Stakeholder Messages Assignment Flyers mailed to PPA Buildings Private Property Assessment outreach (mails flyer Information provided on Website Private Property Increase ininformation City Manager's Office Adaptation Program Messages 1,2,4,5,9 Recurring public on PPA Program and (Resiliency), Ongoing No Recipients meetings on flood resilient building Communications mitigation OP e18:Resident Private meetings with Information Meetings PPA Manager for more information on program, resiliency,and flood mitigation OP 48:Fact Sheet Information provided on website Increase in information City Manager's Office on Seawall and seawall Seawall Owners Message 1,4,S, Letter to Seawall Owners upgrades for affected (Resiliency), Ongoing No Seawall Ordinance Communications properties Information Outreach Newsletter Email Blasts Other Public Outreach 26 Page 217 of 1502 Target Audience Messages ProJect(s)to Support implementation Outcomes Department Scheduling Stakeholder Messages Assignment Messages 1,3,5 The dashboard's purpose Increase safety Stormwater Management Is to measure how the awareness before, city is becoming more Dashboard during,and after flood Additional Project OP resilient over time,track City Manager's Office events. 413:Stormwater the effectiveness of the (Resilience),Public Work Ongoing No Importance of reducing flood risk,measuring the Management Dashboard stormwater program and Reduce preventable IT effectiveness of stormwater understand the impact of accidents and damage and responding extreme events as well program pondin to as the city'sfrom flood waters flooding response Special Projects All Audiences Increase safety awareness before, Messages 1&3 during,and after flood events After Actions capturing rain After•Actions include Reduce preventable Shared in Sustainability events and King Tides recommendations to City Manager's Office Additional Project:OP accidents and damage and Resiliency improve the city's (Resilience),Public Ongoing•As Needed Importance of understanding 414:After-Actionsresponse to flooding and from flood waters Works Committee open to Residents the impact of heavy rain data collection efforts- events and how the city can Increase retrofits,flood better respond and document esistant materials Increase flood preparedness awareness 27 Page 218 of 1502 EVALUATION, OWNERSHIP, & ADOPTION ANNUAL EVALUATION The PPI Committee is required to meet at least twice a year to evaluate the program and incorporate any needed revisions. The evaluation will cover: • A review of the projects that were completed • Progress towards the desired outcomes • Recommendations regarding projects not completed • Changes in the target audiences. Staff will provide annual updates to the City Commission and as part of the annual recertification process for the Community Rating System. PROGRAM OWNERSHIP The Program for Public Information implementation will be led by the City Manager's Office with support from the Communications Department, Environment and Sustainability Department, the Finance Department, and the Public Works Department. Documentation of the plan for Community Rating System certification audits will be maintained by the Building Department. ADOPTION The National Flood Insurance Program Community Rating System requires approval of this document by the City Commission. This Program for Public Information Plan is being presented for adoption via Resolution at the July 20, 2022, City Commission Meeting. 28 Page 219 of 1502 • 84 T H . 4a•B5H i Legend _ .21 I L L:::..t R 8 4 T H 8 4 7 H L j' 83RD BYND 82N 0 Q 819T 4.• FEMA Flood Zones L.L L Y E L A N D 2 e. 7 9 T H 7 -. i• DAYfDN IA rc 4 Z K 78THM MI t• AE-10 Q Y 77THL-. I]< •• i I R H L : 75 :AE-9 T EAIRWAvC9r 74TH 7.,�Y � 73R 1 ' p 1 AE-8 a 2ND p1A„BE.L••6 9 VE-11 6 9 T H CALAIS 11' VE-9 h5 e,qQ rP��a P+ .R Rr °1 { {X 8Arr -' _ -- 11`IP GORGE r 1 -. t ' 1.4. c • 6,, 7 • FEMA Flood Zones: Land Ration 0P 8 2 N D51 s b1 '- 01" I • Total Urban Area=7.22 Square Miles SBTh 441" s 587H 581H I - - �` Flood Zone AE=7.02 Square Miles or 97.2% ,. 57 TH .•• Flood Zone VE=0.03 Square Miles or 0.004% 7 E1',` 53 T„ I :. . 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