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Michael-Torn Panhandle Enters Hurricane Season

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Shelter and housing shortages remain

Tree removal continues throughout Bay County, May 5, 2019

The start of another hurricane season is coming too soon for residents of Florida’s Panhandle, still reeling from the effects of last season’s devastating Hurricane Michael.  Much of the Cat 5 storm’s damage is still evident in the core six-county area and recovery has been slow, still lacking Congressional disaster relief.  Available housing remains scarce and Bay County is heading into hurricane season with only one available shelter.

Bay County schools took a big hit from Michael, suffering $250 million in uninsured losses.  Only one school is currently capable of serving as a shelter during a hurricane, which means once that fills up, folks would have to head north into Georgia and Alabama to seek formal shelters.

Housing remains one of the biggest problems, especially in Bay County, with more than half of the approximately 8,400 existing apartments still damaged and unlivable.  There are routinely no vacancies and apartment complexes estimate another four to six months before new or repaired units become available.  For a county that lost an initially 20,000 residents who simply moved away and haven’t yet returned, some have resorted to living in FEMA trailers where available –  others in tents in people’s backyards.  The county was the subject of a recent Atlanta Journal-Constitution article.

Mexico Beach rubble from Hurricane Michael, December 2018

Congress is back in session this week and the House is expected to finally hold a formal roll call vote on a $19.1 billion national disaster relief bill approved by the Senate that includes $4.7 billion for the Panhandle.  It includes $2.4 billion in HUD-administered Community Development Block Grants, $1.67 billion to finish rebuilding Tyndall Air Force Base, $480 million for timber restoration, and $150 million for fishery losses.  Details of the bill are available here.

In the meantime, FEMA as of April 1, has provided $1.1 billion in federal relief funding, including loans and individual housing assistance to Panhandle residents.  Bay County officials last week asked FEMA to review about 60 properties that have been denied payments or possibly been underpaid for hurricane damage repairs.   Their request is based on comparing updated property assessments based on damage with FEMA payouts based on damage.  Bay County is expecting to take a 10% hit to property tax revenue due to Michael.  Governor DeSantis meanwhile has announced that the Florida Housing Finance Corporation is moving ahead with two new loan programs that will assist impacted counties and the victims who have been displaced by Michael.

LMA Newsletter of 6-3-19

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Tags: Atlantic Hurricane Season, Bay County shelters, Federal Disaster Relief, FEMA, Florida Housing Finance Corporation, Hurricane Michael Recovery

“Thank you Lisa for staying on top of, as well as advocating, for Florida residents and legislative reform. Your newsletters are very informative and enjoy reading the points of view.”  

Shawna Miller, Sr. Claims Quality Assurance & Compliance Manager
Florida Peninsula Insurance Company
Jacksonville, FL

“Lisa this is another great newsletter, and we appreciate the time and energy you put into these informative updates – you are on top of these topics!”

Mike Graham, CEO
Smart Vent Products, Floodproofing.com, & Risk Reduction Plus
Juno Beach, FL

“Lisa Miller is a true champion for the insurance industry, with her regular updates! We appreciate all you do and keeping us up to date on priority issues!”

Gillian Lloyd, Account Executive
Zywave
Milwaukee, WI

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Laurie Rasberry, Chief Claims Officer
Acorn Claims
Prosper, Texas

“Great article on Risk Rating 2.0!”

Austin Perez, Senior Policy Representative for Federal Housing, Valuation, Insurance and Commercial Issues
National Association of Realtors
Washington, D.C.

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Clermont, FL

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University Insurance Group
Davie, FL

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Pharos Claims Services
Orlando, FL

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Bradenton, FL

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