Florida Senate - 2014 SB 1326 By Senator Brandes 22-01210C-14 20141326__ 1 A bill to be entitled 2 An act relating to emergency management; amending s. 3 70.001, F.S.; specifying the availability of a cause 4 of action with respect to a county implementing a 5 Flood Insurance Rate Map; amending s. 252.34, F.S.; 6 defining the term “state flood risk analysis”; 7 amending s. 252.35, F.S.; revising the duties of the 8 Division of Emergency Management to conform to changes 9 made by the act; creating s. 252.441, F.S.; providing 10 legislative findings; requiring the division to 11 contract for a flood risk analysis; prescribing 12 requirements for the risk analysis; requiring the 13 division to award the contract in accordance with 14 competitive solicitation requirements; requiring the 15 division to submit a report of the risk analysis 16 results to the Governor and the Legislature by a 17 specified date; providing that completion of the risk 18 analysis is contingent upon an appropriation; 19 providing that annual updates to the risk analysis may 20 be authorized by the Legislature; creating s. 21 252.9335, F.S.; exempting state employees from 22 specified travel expense provisions when traveling 23 under the Emergency Management Assistance Compact 24 pursuant to a request for assistance from another 25 state under certain circumstances; providing 26 appropriations; providing an effective date. 27 28 Be It Enacted by the Legislature of the State of Florida: 29 30 Section 1. Subsection (14) is added to section 70.001, 31 Florida Statutes, to read: 32 70.001 Private property rights protection.— 33 (14) A cause of action does not exist under this section 34 with respect to an administrative action taken or an ordinance 35 adopted by a county to implement a Flood Insurance Rate Map 36 issued by the Federal Emergency Management Agency for the 37 purpose of participating in the National Flood Insurance Program 38 unless such administrative action or ordinance incorrectly 39 applies any aspect of the Flood Insurance Rate Map to a property 40 in such a way as to, but not limited to, incorrectly assess the 41 elevation of the property. 42 Section 2. Present subsection (9) of section 252.34, 43 Florida Statutes, is redesignated as subsection (10), and a new 44 subsection (9) is added to that section, to read: 45 252.34 Definitions.—As used in this part, the term: 46 (9) “State flood risk analysis” means the most recently 47 updated flood risk analysis issued by the division pursuant to 48 s. 252.441. 49 Section 3. Present paragraph (y) of subsection (2) of 50 section 252.35, Florida Statutes, is redesignated as paragraph 51 (z), and a new paragraph (y) is added to that subsection, to 52 read: 53 252.35 Emergency management powers; Division of Emergency 54 Management.— 55 (2) The division is responsible for carrying out the 56 provisions of ss. 252.31-252.90. In performing its duties, the 57 division shall: 58 (y) Maintain an updated state flood risk analysis 59 contingent upon funding by the Legislature and make such report 60 readily available to the public, and provide assistance through 61 designated personnel to local governments participating in the 62 National Flood Insurance Program Community Rating System. 63 Section 4. Section 252.441, Florida Statutes, is created to 64 read: 65 252.441 State flood risk analysis initiative.— 66 (1) The Legislature finds that passage by Congress of the 67 Biggert-Waters Flood Insurance Reform Act of 2012, Pub. L. No. 68 112-141, requires a complete and specific analysis of flood risk 69 to Florida homeowners to ensure the continued availability of 70 flood insurance at affordable rates. Such an analysis could 71 provide important data and insights supporting the entry of 72 private insurance companies into the flood insurance market. 73 (2) The division shall contract for a state flood risk 74 analysis to evaluate the state’s flood risk. Such analysis shall 75 take into consideration existing vendor models recognized by the 76 insurance industry, Flood Insurance Rate Maps issued by the 77 Federal Emergency Management Agency, and Special Flood Hazard 78 Areas designated by the National Flood Insurance Program (NFIP). 79 The risk analysis must include, but is not limited to, the 80 following: 81 (a) A determination of the extent to which flood insurance 82 premium rates, including observed rate increases in the NFIP as 83 a result of the Biggert-Waters Flood Insurance Reform Act of 84 2012, reflect the risk of loss to insurers are reasonable; 85 (b) The identification of the likelihood of differentiated 86 premium rates based on property location, value, and 87 vulnerability to flood damage; 88 (c) The identification of policies that would strengthen 89 and support the investment of new private market underwriting 90 capacity in this state’s flood insurance market as the supply of 91 insurance capacity offered approaches the level of demand; 92 (d) A review of publicly available premium rate factor 93 analyses and commentary on their appropriateness relative to the 94 latest available data on property vulnerability, flood risk, and 95 cost of repair or rebuilding; 96 (e) Selection of at least three geographical sample 97 inventory regions representative of construction in this state 98 for a pilot study in coastal regions. Selected sample inventory 99 regions shall be equally representative between urban, suburban, 100 and rural areas that have reliable, comprehensive public domain 101 data available; 102 (f) A detailed data quality assessment of the relevant 103 building stock assessments; 104 (g) Quantitative catastrophic storm surge modeling using 105 vendor models recognized by the insurance industry to assess if 106 current insurance premiums are sufficient to ensure the long 107 term, sustainable availability of flood insurance at affordable 108 rates; and 109 (h) A comparison of the model’s technical pricing of risks 110 with those currently required by the NFIP and other insurers, as 111 well as commentary on potential reasons for any differences and 112 recommended action to resolve such differences. 113 (3) The division must award the contract in accordance with 114 competitive solicitation requirements in chapter 287 to a firm 115 that has experience in natural catastrophe risk modeling, rate 116 analysis consultation services, and transactional services. 117 (4) The division shall submit a comprehensive report of the 118 results of the risk analysis to the Governor, the President of 119 the Senate, and the Speaker of the House of Representatives by 120 February 1, 2015. 121 (5) Completion of the risk analysis shall be contingent 122 upon funding provided in the 2014-2015 General Appropriations 123 Act. The Legislature may authorize annual updates to the state 124 flood risk analysis. 125 Section 5. Section 252.9335, Florida Statutes, is created 126 to read: 127 252.9335 Expense reimbursement under compact.—The travel 128 expense reimbursement provisions of s. 112.061 do not apply to 129 an employee of the state traveling under the Emergency 130 Management Assistance Compact when such expenses are reimbursed 131 based on the amount agreed upon in an interstate mutual aid 132 request for assistance. 133 Section 6. The sum of $127,368 is appropriated to the 134 Division of Emergency Management from recurring general revenue 135 for the 2014-2015 fiscal year, which funds shall be used by the 136 division to provide assistance to local governments 137 participating in the National Flood Insurance Program Community 138 Rating System. The sum of $500,000 is appropriated to the 139 division from nonrecurring general revenue for the 2014-2015 140 fiscal year, which funds shall be used to complete the state 141 flood risk analysis under s. 252.441, Florida Statutes, as 142 created by this act. 143 Section 7. This act shall take effect July 1, 2014.