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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. 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. Here is the summary of the bill. Here is the Full bill text.
  • Florida pays 17% of premiums nationwide, however, only 5% is returned to the state.


Resolutions Passed by Local Municipalities

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

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

Pinellas County Flood Insurance Demographics
View demographics of pre-firm properties in high risk flood zones.

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