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2017-29771 Reso 2017-29771 RESOLUTION NO. A RESOLUTION OF THE MAYOR AND CITY COMMISSION OF THE CITY OF MIAMI BEACH, FLORIDA, ADOPTING THE CITY'S ATTACHED AD- HOC RESILIENCY COMMUNICATIONS COMMITTEE'S RESILIENCY COMMUNICATIONS 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. WHEREAS, the goals of the 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(City)participates in the NFIP and the Community Rating System (CRS). The CRS is a voluntary program that provides both incentives and tools to further the above-referenced goals; and WHEREAS, participation in the CRS saves residents and businesses money by reducing flood insurance premiums; and WHEREAS, a Program for Public Information (PPI) will help provide activity points to improve the City's CRS score, reduce flood insurance premiums, and complement communications efforts for our Miami Beach Rising Above Resiliency Strategy; and WHEAREAS,the Ad-Hoc Resiliency Communications Committee was created pursuant to Resolution No. 2016-29585 to serve as a Program for Public Information Committee to develop a PPI for consideration and adoption by the City Commission; and WHEREAS,the attached PPI was developed by the City's PPI Committee according to the seven-step planning and public involvement process defined by the CRS Program; and WHEREAS,after the attached Program for Public Information has been adopted by the City Commission, an evaluation report will be prepared annually for consideration by the City Commission by a standing Program for Public Information Committee, to be created later this year, and the PPI will be implemented by the Building Department with support by the Communications Department,the Environment and Sustainability Department, and the Public Works Department. NOW, THEREFORE, BE IT DULY RESOLVED BY THE MAYOR AND THE CITY COMMISSION OF THE CITY OF MIAMI BEACH, FLORIDA, that the attached Resiliency Communications Plan, which is a Program for Public Information (PPI) for flood-related information, is hereby adopted to satisfy the National Flood Insurance Program requirements for credit under the Community Rating System. PASSED AND ADOPTED this / day of March, 2017. ATTEST: ,y. ilip �n�e;Mayor P/ .4( , Rafae E. Granado, City le - T APPROVED AS TO FORM & LANGUAGE & FOR3XECUTION ,Q-A Z-til City Attorney Dote 4 Resolutions - R7 D MIAMI BECH COMMISSION MEMORANDUM TO: Honorable Mayor and Members of the City Commission FROM: Jimmy L. Morales, City Manager DATE: March 1, 2017 SUBJECT: A RESOLUTION OF THE MAYOR AND CITY COMMISSION OF THE CITY OF MIAMI BEACH, FLORIDA, ADOPTING THE CITY'S AD-HOC RESILIENCY COMMUNICATIONS COMMITTEE'S RESILIENCY COMMUNICATIONS PLAN WITH NATIONAL FLOOD INSURANCE PROGRAM REQUIREMENTS FOR CREDIT UNDER THE COMMUNITY RATING SYSTEM, PROGRAM FOR PUBLIC INFORMATION (PPI) FOR FLOOD RELATED INFORMATION. RECOMMENDATION City of Miami Beach administration recommends the adoption of the Resiliency Communications Plan, informed by the ad-hoc Resiliency Communications Committee. The City participates in the National Flood Insurance Program Community Rating System. As part of this, adoption and implementation of the plan will result in important activity points as a "Program for Public Participation". Accumulation of points leads to a score that equates to monetary savings for annual NFIP flood insurance premiums for residents and businesses. (Our current CRS score is 6 and that equals up to 20% savings on premiums). The plan also provides support to the communications efforts of the Mayor's Blue Ribbon Panel on Sea Level Rise and our overall resilience strategy. ANALYSIS Miami Beach is actively investing in its infrastructure to reduce risk and adapt to sea level rise and climate change. The mission of the Resiliency Communications Committee is to create and monitor a Program for Public Information (PPI), referred to as the Resiliency Communications Plan, to assist the community to reduce flood risk and ultimately reduce the cost of flood insurance. The Committee held three meetings, and addressed each Community Rating System requirement. The Committee provided communications, flood management, real estate, banking, and insurance expertise and input for developing the plan. The plan was provided to the ISO technical reviewer, FEMA's auditing consultant, whose feedback was positive. The full five-year certification audit is expected in July of this year. Note that this communications initiative is separate from the updating of FEMA's Flood Insurance Rate Maps (FIRM). Currently, FEMA is updating these maps in Miami-Dade County. These maps impact the flood insurance rates, which is done on an individual structure basis taking into consideration a number of flood risk factors. Draft maps are expected for comment by 2018 and final maps by 2021. CONCLUSION Page 631 of 1025 and their respective roles to provide expertise. The Committee discussed target areas, flood insurance coverage, target audiences, inventory of other public information efforts, and CRS topics and draft Miami Beach messages. The second meeting was held November 7th, 2016. The agenda examined additional information gained regarding flood insurance coverage, further discussed target areas that needed outreach, messages, and outreach. The Committee also addressed other CRS activities that complement the PPI for extra activity points, including: • 320 Map Information Services, • 330 All Hazards Guide, • 340 Real Estate Agents Disclosure and Information Brochure, • 360 Flood Protection Information including technical and financial assistance, and • 540 Drainage System Maintenance. More information about these activities is located on page 13 and in the Outline of Messages and Projects on page 15. The third meeting was held December 5th, 2016. A review of the progress and remaining items were presented. The Committee agreed to add the importance of Biscayne Bay surface water cleanliness to the CRS messages. The Committee achieved consensus on the ten CRS messages- located on page 12 of this document. Outcomes, such as increasing NFIP coverage for multi-family tenants, were discussed. Outreach projects were discussed, with a review of what has been done historically and new outreach groups and options. One specific area of concern is educating flood insurance agents to how to correctly provide flood insurance estimates for Miami Beach residents. Committee members shared goals acknowledging: • The importance of utilizing this plan to communicate the progressive work that the City of Miami Beach is doing to reduce risk- putting the City in a significant leadership role among coastal communities. • The importance of reducing private property flood risk, while the City works to reduce flood risk on public infrastructure, in the context of sea level rise projections over time in South Florida. • The importance of increasing flood awareness and a concern for the cost of flood insurance, especially for buildings below base flood elevation and older buildings constructed prior to the National Flood Insurance Program. Page 6317 of 1025 Table 4: Percentage of Post-FIRM (Construction after 1972) Buildings Insured in the City of Miami Beach Flood NFIP Policies Number of %Buildings Cost of Average Insurance in Average Assessed Building % Buildings Zone Buildings/Units with NFIP Premiums Cost of Force Insurance Value Assessed Insurance Premium Coverage Value Policies Insured SOURCE NFIP SOURCE COUNTY SOURCE NFIP SOURCE NF1P SOURCE COUNTY AE 16,542 19,138 86% $5,064,740.00 $306 $3,734,518,000 $225,760 $17,228,328,789 22% X 367 1,935 19% $93,651.00 $255 $72,536,400 $197,647 $1,721,983,732 4% Total 16,909 21,073 80% $5,158,391.00 $305 $3,807,054,400 $225,150 $18,950,312,521 20% Table 4 highlights that flood insurance coverage is high, 86%, for those buildings in the AE zone. Coverage is low, 19%, for Post-FIRM constructed buildings within the X zone, however flood insurance is not federally required in this area. FLOOD INSURANCE ASSESSMENT OVERALL FINDINGS The overall findings show the importance of targeting outreach to: 1. 2-4 Multi-family units in the AE zone 2. Non-residential units in the AE zone, and 3. Units located in the X zone. Although insurance is not required, due to the close proximity to the AE zone, insurance coverage is encouraged. FLOOD INSURANCE COVERAGE IMPROVEMENT PLAN Therefore, 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 2-4 Multi-family units in OP#8-Fact sheet mailed Building,Communications Annual/April 2017 the AE zone to 2-4 Family Unit properties Non-residential units in OP#8-Fact sheet emailed Building,Finance Annual/Summer 2017 the AE zone and mailed with the Business Tax Receipt (BTR) renewals Units located in the X OP#1-MB Magazine Building,Communications Quarterly(Beginning zone (flood insurance is Spring 2017) encouraged but not required) With a good understanding of the Flood Insurance Rate Map (FIRM) and the flood insurance coverage assessment, the City can better tailor specific communications for Page 6431 of 1025 six target audiences and share ten key messages. Before this step, the Community Rating System guidelines require an inventory of existing public information efforts. INVENTORY OF OTHER PUBLIC INFORMATION EFFORTS The Program for Public Information requires examining current information efforts. The following table is a collection of current initiatives in place that support the Community Rating System goals. The list was compiled through staff research and Committee members' input. It includes the many messages and ways of communicating, ranging from City departments, to non-profits, to federal agencies. INVENTORY TO OTHER PUBLIC INFORMATION EFFORTS ORGANIZATION PROJECT SUBJECT MATTER FREQUENCY 1. City of Miami Beach Storm water program, Communications MB Magazine hurricane and King Tide Intermittently Department preparedness,flood safety Flood Awareness (Magazine, CRS flood related topics 3 times per year Hotel Association) Website 10 CRS flood related topics Ongoing lnstagram, Facebook, Hurricane and King Tide Hurricane Season and King Tide Twitter preparedness,flood Safety Season E-Blasts(new) Hurricane and King Tide Hurricane Season and King Tide preparedness,flood safety Season Media Hurricane and King Tide Hurricane Season and King Tide Collaboration, Interviews preparedness,flood safety Season Vehicle Messaging Hurricane and King Tide Hurricane Season and King Tide Service preparedness,flood safety Season 2. City of Miami Beach Elevation Available elevation Building Department Certificates certificates for properties Year Round -Incident Action Reports -Community 3. City of Miami Beach Meetings Hurricane and King Tide Hurricane Season and King Tide Emergency Management -Community preparedness,flood safety Season Emergency Response Team Meetings Page 642 of 1025 INVENTORY OF OTHER PUBLIC INFORMATION EFFORTS, cont. ORGANIZATION PROJECT SUBJECT MATTER FREQUENCY 4. City of Miami Beach King Tide Preparedness, Environment and Instagram King Tide Season (Spring and Fall) Sustainability Storm drain/Biscayne Bay Cleanliness Ongoing Hurricane Guide, Hurricane and flood 5. Miami-Dade County Emergency Management Flood Response preparedness,evacuation Every year Preparation routes. Guide 6. Miami Dade Count Coastal y Cleanup Live,Love and Clean our Bay Every year in the spring 7. Ocean Conservanc Coastal y Cleanup Trash Free Seas Every year 'Flood Awareness Month"in South Florida Keep ditches, swales,drainage grates and 8. South Florida Water retention lakes clear of debris, Management District trash and other discarded Every year in June material.Report the location and condition of any clogged or damaged facilities to the proper authority. Hurricane Tracking Maps, evacuation zones,Turn 9.National Weather Service Around Don't Drown!Be safe! Its never safe to drive or walk Year-round into flood waters.Flood preparedness. 10. ArmyCorps Engineers Beach p g renourishment Beach renourishment Based on planned projects Don't get caught unprepared.Have a place to 11.FEMA go.Be prepared before the next flood.A single storm can Ongoing ruin your financial future. Protect what matters. Page 63 of 1025 MIAMI BEACH TARGET AUDIENCES The Committee identified target audiences from the flood insurance assessment results and their own experiences from the communications, floodplain management, real estate, banking, and insurance agent perspectives. The following six target audiences were identified: 1. Repetitive Loss Areas 2. Recently flooded areas 3. Residents, to include tenants, property owners, and condo, and neighborhood associations 4. Businesses, to include tenants, property owners, and contractors 5. Real Estate and Insurance Agents companies 6. Local organizations, such as schools, cultural sites such as museums, historic preservation, etc. The Committee selected ten important messages to be shared with audiences. The first six follow the required CRS topics, with four more added by the Committee. The four additional messages are optional, but provide an ability to tailor messages to meet Miami Beach needs and also provide additional CRS points. The messages are located in the following table on page 12. Page 63111 of 1025 COMMUNITY RATING SYSTEM TOPICS AND MIAMI BEACH MESSAGES CRS PRIORITY TOPICS MIAMI BEACH MESSAGES 1. KNOW YOUR FLOOD HAZARD COASTAL CITIES FACE FLOOD RISK (REQUIRED CRS TOPIC) Example additional text: 93%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. 2. INSURE YOUR PROPERTY FOR YOUR FLOOD PROTECT YOUR PROPERTY WITH FLOOD INSURANCE HAZARD (REQUIRED CRS TOPIC) Example additional text: Flood damage is generally not covered by standard homeowner,renter, or hurricane insurance. 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. 4. PROTECT YOUR PROPERTY FROM THE HAZARD KEEP YOUR HOME AND BELONGINGS DRY (REQUIRED CRS TOPIC) Example additional text: Elevate important appliances,like washers and dryers.Chose materials, such as tile flooring as opposed to wood,that are resistant to water damage. Provide flood openings in non-habitable areas. 5. BUILD RESPONSIBLY BUILD RESILIENTLY (REQUIRED CRS 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. 6. PROTECT NATURAL FLOODPLAIN FUNCTIONS OUR NATURAL SYSTEMS PROTECT US AGAINST FLOODS Example additional text: Beach sand dunes and vegetation,coral reefs,and green open areas are natural flood barriers. 7. STORM,HURRICANE AND KING TIDE HAVE A PLAN! SOUTH FLORIDA CAN EXPERIENCE FLOODING FROM PREPAREDNESS HURRICANES AND KING TIDES. (ADDITIONAL CRS TOPIC) Example additional text: Know your evacuation routes,and how to protect yourself and your loved ones. 8. SURFACE WATER QUALITY KEEP IT CLEAN! (ADDITIONAL CRS TOPIC) 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. FLOOD MITIGATION ASSISTANCE PROGRAM FINANCIAL ASSISTANCE (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 MIAMI BEACH IS HERE TO HELP (ADDITIONAL 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. Page 615 of 1025 The overall communications strategy is to make information available in various mechanisms in order to change behavior to increase preparedness, increase insurance coverage, and reduce flood risk. 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 improvement construction to build higher than base flood elevation, and raising sea wall heights. Sharing information about these initiatives are integrated into the key messages. The Resiliency Communications Plan includes a comprehensive list of the audiences, messages, desired outcomes, projects to support the message, assignment, target date, and stakeholders that can help disseminate the information. ADDITIONAL COMMUNITY RATING SYSTEM ACTIVITIES 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 Massages 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 Hazard 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 this effort is to increase the community awareness about tropical storm and hurricane and inform the people as to 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 new element of the Resiliency Communications Plan, 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 Page 6B of 1025 can obtain additional information and assistance about Flood Management Regulations, Florida Building Code and 50% rule requirements. 4. Flood Protection Information including technical and financial assistance, and (CRS activity 360) As part of the City's annual outreach projects, Miami Beach Flood Awareness Messages are mailed to the entire target area of Miami Beach- including all residents and business owners through the MB Magazine. Letters are directly mailed to Repetitive Loss Properties Areas, (RLAs are defined by FEMA). The letters advise these property owners them about Flood Protection Information and availability of technical and financial assistance. The desired outcome is building retrofits to reduce flood risk. 5. Drainage System Maintenance. (CRS activity 540) Miami Beach Flood Awareness Messages and Environmental & Sustainability ongoing outreach projects publicize the message that "keep the storm drainage system and Biscayne Bay clean and dumping in the streams is illegal". The outcome of this effort is to keep Biscayne Bay clean and help prevent localized flooding. The following Outreach Implementation Plan, beginning on Page 15, 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. Page 6112T of 1025 OUTREACH IMPLEMENTATION PLAN 0, O O u nr o_ Lis Z Z > o> o u.R I Z > .5 0 ° ° 0 0 Z Z ._ ,, C4 _ 0 N E a 4 LL o — Q E .- r. N c' c u o c -o a_ N 'o or,i= Q a N m O Q O C = Co 'c c 0 0 0 0 = < < O Y d Q c Q O h C C O O 23 r. 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E ❑ OONOcoV O) O N _c a-5 O O l> > > NZL tO0 o "nC ]C )n _co c O Sdco = o).:z. > mL O) c.1) O C O t ^ ON -6- coo' . OCCCO mO Q v� �p ' o ta mC N O c OO C 3 CD o � CO rn -t'-.' '; ° O d ° d c'ac _ 'S o aa 't E 'o a t >.v o o 0 2 v a)d c &o .yo) oQ rn ,. cl' S. '0'vE oo a 2c E :c. h° sE O ° dt1 t o Eta8 w o m '' ) _" oaanv Oo v s a o` -O c 0 a o c O o V `c c O s N o o ) H `o O u u Q C N_l] >V .) D N O 2 m ' an m d ` c C Q O Qc ,O O c w Z 8 - o 0 • CD N o N ,_ m O O V O c c 6 K C j 0 0 0 0 V t w E' E' H v ,ri—` ,o,z2000 L o V N O L 4: m N .2 C 0 0 77c- Page Page 658 of 1025 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 Resilience Communications Plan implementation will be led by the Building Department, with support from the City Manager's Office, the Communications Department, the Finance Department, the Environment and Sustainability 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 Resiliency Communications Plan is being presented for adoption via Resolution at the March 1, 2017 City Commission Meeting. Page 6T2 of 1025 GLOSSARY 100 Year Flood: A flood event that has a one percent chance of being equaled or exceeded during any given year. It can also be termed the "one percent "flood since this relates the event to an annual time period instead of a 100 year time period. BFE: The computed elevation to which floodwater is anticipated to rise during the base flood. Base Flood Elevations (BFEs) are shown on Flood Insurance Rate Maps (FIRMs) and on the flood profiles. King tide: The king tide is the highest predicted high tide of the year at a coastal location, produced by the orbits and alignments of the Earth, Moon and Sun Seawall: A wall or embankment erected to prevent the sea from encroaching on an area of land. AE: Flood Zone Area with a 1% chance of being flooded in any given year. Flood insurance purchase is mandatory for buildings with federally backed mortgages. X: Flood Zone Area of moderate or minimal flood risk. Flood insurance is encouraged, but not required. SFHA: The land area covered by the floodwaters of the base flood is the Special Flood Hazard Area (SFHA) on NFIP maps. The SFHA is the area where the National Flood Insurance Program's (NFIP's) floodplain management regulations must be enforced and the area where the mandatory purchase of flood insurance applies. The SFHA includes Zones A, AO, AH, A1-30, AE, A99, AR, AR/A1-30, AR/AE, AR/AO, AR/AH, AR/A, VO, V1-30, VE, and V. CRS: The National Flood Insurance Program's (NFIP's) Community Rating System (CRS) is a voluntary incentive program that recognizes communities for implementing floodplain management practices that exceed the Federal minimum requirements of the NFIP to provide protection from flooding. In exchange for a community's proactive efforts to reduce flood risk, policyholders can receive reduced flood insurance premiums for buildings in the community. These reduced premiums reflect the reduced flood risk resulting from community efforts toward achieving the three CRS goals: 1. Reduce flood damage to insurable property; 2. Strengthen and support the insurance aspects of the NFIP; and 3. Encourage a comprehensive approach to floodplain management FIRM: The official map of a community on which FEMA has delineated both the special hazard areas and the risk premium zones applicable to the community. Page 6150 of 1025 NFIP: The National Flood Insurance Program, a program of the Federal Emergency Management Agency, aims to reduce the impact of flooding on private and public structures. It does so by providing affordable insurance to property owners and by encouraging communities to adopt and enforce floodplain management regulations. These efforts help mitigate the effects of flooding on new and improved structures. Overall, the program reduces the socio-economic impact of disasters by promoting the purchase and retention of general risk insurance, but also of flood insurance, specifically. 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