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Flood Maps

  • FEMA announced a new way to asses flood risk, called Risk Rating 2.0. This proposal would change the risk of a home flooding based on previous claims, not flood maps. This is the rating system the private market uses. Risk Rating 2.0 would be extremely beneficial to the beach communities and a majority of Pinellas County considering most properties have not flooded or filed a claim in 50 years or more. Unfortunately, areas like Old Northeast St. Pete would be hit hard considering those properties have repetitive claims.
  • However, FEMA announced Risk Rating 2.0 will be delayed one year. Implementation will now occur 10/1/21, as opposed to 10/1/2020. For more information on the delay, you can find FEMA’s statement here. According to FEMA, the extension will allow for all policies – commercial, as well as residential – to change over to the new system.
  • FEMA has said that the new rating system will deliver rates that better reflect a property’s unique flood risk, modernizing the rating methodology and incorporating industry technology with the NFIP’s mapping data.
National Flood Insurance Program
  • The National Flood Insurance Program (NFIP) was set to expire June 14th.  Congress passed its 13th extension, carrying it through November 21, 2019. The end goal is to have flood insurance reform including a long-term reauthorization this summer.
  • Congresswoman Castor introduced legislation that made it through committee and is projected to be heard on the house floor by the end of June. Our representatives in the House support this legislation. The Senate does not look at the legislation unless is passes the House. If it passes the House, they will review the legislation and issue a stance on the legislation. The summary of the bill can be found HERE. Full bill text can be found HERE
  • Florida pays 17% of premiums nationwide, however, only 5% is returned to the state.


Resolutions Passed by Local Municipalities 
The City of Gulfport
The City of Indian Rocks Beach
The Town of Indian Shores
The City of Madeira Beach
The Town of North Redington Beach
The Town of Redington Beach
The City of St. Pete Beach
The City of Treasure Island

Barrier Island Government Council
Letter sent to U.S. Senator Nelson Click Here
Letter sent to U.S. Senator Rubio Click Here

Pinellas County Commission
Letter sent to U.S. Senator Nelson. Click Here
Letter sent to U.S. Senator Rubio. Click Here

Pinellas County Flood Insurance Demographics
View demographics of pre-firm properties in high risk flood zones. Click Here
View the map of pre-firm commercial properties in high risk flood zones. Click Here

Flood Insurance Information
View the TBBCoC's August Flood Update. Click Here
View the TBBCoC's June Flood Update. Click Here 
View the TBBCoC's May Flood Update: Click Here
View Congressman Jolly's commercial flood insurance legislation. Click Here 
View the Florida Association of Counties talking points for U.S. House Bill 3370 Click Here
View the pros and cons of U.S. House Bill 3370 Click Here
View the section by section summary of U.S. House Bill 3370 Click Here
View press release: SB 542 by Senator Brandes passed Appropriations Committee. Click Here
View the letter of support Tampa Bay Beaches Chamber of Commerce sent Gov Scott Click Here
View the January 30th Flood Insurance Update Click Here
View the January 23rd Flood Insurance Update Click Here
View the letter of support the St. Petersburg Chamber of Commerce sent to Gov Scott Click Here
View Press Release from the Office of Management and Business at the White House. Click Here
View Press Release from the Associated Press Click Here
View Press Release from Nelson: Congress takes steps toward flood insurance fix. Click Here
View Press Release: Castor announces flood insurance relief for homeowners. Click Here
View the January 8, 2014 flood insurance update. Click Here
View Congresswoman Castors letter supporting HR3693 Click Here
View the 11/25 correspondence with congressional delegation. Click Here
View Congresswoman Castor's letter urging committees to pursue delay rate hikes. Click Here
View an update on NFIP from the City of Clearwater's representative in DC. Click Here
View the 11/19 Flood Insurance Hearing in the Committee on Financial Services. Click Here
View the 11/15 correspondence with congressional delegation. Click Here
View response from Congresswoman Castor urging delay of increases. Click Here
View response from Senator Nelson urging adoption of legislation to delay increases. Click Here
View press release from Congressman Bilirakis introducing H.R. 3312. Click Here
View response from Congressman Young introducing H.R. 3218. Click Here
View letter from United States Senate to Majority Leader and Minority Leader. Click Here
View the letter from Congress to John Boehner and Nancy Pelosi. Click Here
Co Author of the Biggert Waters Act, Congresswoman Maxine Waters, Speaks Out! Click Here
View response from FL Office of Insurance Regulation to TBBCOC. Click Here
View the letter Florida House Speaker Will Weatherford sent to Congressional Leaders. Click Here
View letter, signed by 109 businesses, sent to House Financial Committee. Click Here
View the press release from Governor Rick Scott's office demanding action. Click Here
View the email response from U.S. Senator Rubio's staff to constituents. Click Here
View the email response from Attorney General Pam Bondi to constituents. Click Here
View the letter Congressman Bilirakis sent to FEMA Administrator Craig Fugate. Click Here
View U.S. Senator Marco Rubio's letter to Governor Rick Scott and CFO Jeff Atwater Click Here
View language for U.S. Senator Nelson's amendment to lower flood insurance rates. Click Here
View letter from Congresswoman Castor to the TBBCOC. Click Here
View statement County Commission entered into the record at Senate hearing. Click Here
View Jeff Atwater's, Florida CFO, letter to Florida's Congressional Delegation. Click Here
View Congressman Young's statement for the record to the Senate Committee. Click Here
Watch the 9/18 Committee on Banking, Housing, & Urban Affairs hearing. Click Here 
View letter issued from FL Senator Jeff Brandes to the Chair of the Senate Committee. Click Here 
View letter from Governor Rick Scott to U.S. Senator's Marco Rubio and Bill Nelson. Click Here
View Congressman Young's flood insurance testimony. Click Here 
See the impact of the Biggert Waters Flood Insurance Reform Act of 2012. Click Here
View Congressman Young's response to increases in flood insurance. Click Here
View letter from Congressman Young inviting FEMA Administrator to Pinellas County. Click Here
View U.S. Senator Nelson's response to increases in flood insurance. Click Here
View letter from Holehouse Insurance describing flood insurance changes. Click Here
Lloydes of London is writing some flat policies, Please check with a Chamber member. Click Here
FAQ: Frequently asked flood increase questions and answers. Click Here
View timeline of our actions regarding Biggert-Waters Flood Insurance Reform Act. Click Here 
September 25th Flood Insurance Seminar at St. Petersburg College.
- View video of the seminar. Click Here
- View Powerpoint presentation from the seminar. Click Here
November 7th Flood Insurance Seminar at Gulfport Casino
- View video of the seminar. Click Here