F LOOD M AP I NFORMATION S ERVICES & R EAL E STATE D ISCLOSURE P ROGRAM Rahim Harji, P.E., CFM, ENV-SP Stormwater and Vegetation Division Director Lisa Foster Floodplain Coordinator May 25, 2016

A Little Background… Community Rating System (CRS) Incentive to go above and beyond NFIP minimum requirements Florida Division of Emergency Management (FDEM) Insurance Services Office (ISO) National Flood Insurance Program (NFIP) Maps and regulatory basis for local floodplain management Federal Emergency Management Agency (FEMA)

Mapping & Regulations Public Information Warning & Response Flood Damage Reduction Activities How the CRS Works…

How Much Will Your Customers Save on Flood Insurance Premiums?

Unincorporated Pinellas County Flood Insurance Premium Savings

Case in Point… “I would like to share an experience I had this past week. I presented a flood renewal to an Association in the zip code that renews in June. I was questioning the premium as it was not seeing the increase like others……I called the company to review and as of May 1….the CRS credit is changing for this territory… From April 30 to May 1……there was an $600 dollar difference for this one building! So, hat’s off for the excellent job ……it’s making a difference in our community! “ -Kim Harr (Harr & Associates) “I would like to share an experience I had this past week. I presented a flood renewal to an Association in the zip code that renews in June. I was questioning the premium as it was not seeing the increase like others……I called the company to review and as of May 1….the CRS credit is changing for this territory… From April 30 to May 1……there was an $600 dollar difference for this one building! So, hat’s off for the excellent job ……it’s making a difference in our community! “ -Kim Harr (Harr & Associates)

Flood Insurance Premium Savings Community Name Current CRS Class SFHA Discount Moderate /Low Risk Discount Current CRS Discount Belleair810%5% $ 44,642 Belleair Beach715%5% $ 268,249 Belleair Bluffs715%5% $ 5,760 Belleair Shore100% $ - Clearwater620%10% $ 1,742,842 Dunedin620%10% $ 813,966 Gulfport620%10% $ 345,776 Indian Rocks Beach715%5% $ 444,067 Indian Shores620%10% $ 354,153 Kenneth City810%5% $ 14,805 Largo715%5% $ 172,140 Madeira Beach620%10% $ 725,494 N Redington Beach715%5% $ 164,390

Flood Insurance Premium Savings Community Name Current CRS Class SFHA Discount Moderate/ Low Risk Discount Current CRS Discount Oldsmar620%10% $ 403,244 Pinellas County525%10% $ 5,363,551 Pinellas Park715%5% $ 207,619 Redington Beach715%5% $ 220,127 Redington Shores715%5% $ 190,499 Safety Harbor715%5% $ 46,582 Seminole100% $ - South Pasadena715%5% $ 261,261 St. Pete Beach620%10% $ 1,624,532 St. Petersburg620%10% $ 7,730,038 Tarpon Springs715%5% $ 513,128 Treasure Island620%10% $ 1,145,539

Floodplain Management and CRS Program: Public Information Activities Pinellas County Flood Information Services *Available online, over the phone, or in person Flood Map Information & Assistance Flood Protection Information Real Estate Agent Disclosure Program Flood Warning and Preparation Floodplain Protection Mapping & Regulations Public Information Warning & Response Flood Damage Reduction Activities

Flood Information WebsiteFlood Information Website 1 Online Map Information ServiceOnline Map Information Service 2 Real Estate Disclosure ProgramReal Estate Disclosure Program 3 Real Estate Disclosure BrochureReal Estate Disclosure Brochure 4 Flood Information Phone LineFlood Information Phone Line 5 Today’s Overview

Flood Information WebsiteFlood Information Website 1

Online Map Information ServiceOnline Map Information Service 2

Real Estate Disclosure ProgramReal Estate Disclosure Program 3 Purpose: Educate buyers on flooding and flood insurance before committed to purchasing the property Benefits: Agent: – Reduced risk of exposure to claims of misrepresentation – Reduced flood insurance premiums Buyer: – Able to make informed decision – Reduced flood insurance premiums Components: Real estate flood information and disclosure brochure Map Information Service training

Real Estate Disclosure BrochureReal Estate Disclosure Brochure 4

Real Estate Disclosure Brochure & Flood Map Service Center ExerciseReal Estate Disclosure Brochure & Flood Map Service Center Exercise 4a

Real Estate Disclosure Brochure & Flood Map Service Center InstructionsReal Estate Disclosure Brochure & Flood Map Service Center Instructions 4b 1.Go to 2.Click on Flood Zone Map

AB 3.Turn on aerial (A), parcels (B), Coastal Barrier Resource System Area (C). C Real Estate Disclosure Brochure & Flood Map Service Center InstructionsReal Estate Disclosure Brochure & Flood Map Service Center Instructions 4b

4.Use the address search box to locate the property. 5.Click on the house or parcel on the map. 6.If it is in the SFHA, check the top two boxes. Real Estate Disclosure Brochure & Flood Map Service Center InstructionsReal Estate Disclosure Brochure & Flood Map Service Center Instructions 4a

6.If it is also in the Coastal Barrier Resource System Area, check the bottom box. Real Estate Disclosure Brochure & Flood Map Service Center InstructionsReal Estate Disclosure Brochure & Flood Map Service Center Instructions 4a

Flood Information Phone LineFlood Information Phone Line 5 Flood zone Base flood elevation requests Floodplain Regulations (Illegal dumping, Substantial improvements) Building codes and permits Zoning General flood insurance Community Rating System Flood and hurricane preparedness Evacuation zones Stormwater management Pond and ditch maintenance (727)

Real Estate Disclosure Program Documentation for CRS Credit From 5 Agencies: Program participation letter One copy of completed brochure

Real Estate Disclosure Program Documentation for CRS Credit /Real_Estate_Disclosure/ Flood Map Information Services & Real Estate Disclosure Program Training Presentation Map and Brochure Instructions Documentation Letter Real estate flood information and disclosure brochure Flood maps

Q UESTIONS ? Lisa Foster Floodplain Coordinator (727)