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Nearly 30% of Florida in Severe Drought

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Plus, new clues in combating Red Tide

Florida faces fire and droughts for the first time since 2011, FSU scientists investigate what mechanisms drive wildfire spread, and USF researchers identify a virus in red tide that could help predict and combat the growing problem. It’s all in this week’s Environmental & Engineering Digest.

Florida Drought: Much of the Florida peninsula has been facing historical droughts over the last several weeks – with temperatures rising and humidity levels remaining low.  Sadly, these are the ideal conditions for wildfires to erupt, with 89 fires burning some 3,400 acres across the state and sending smoke signals to many big metropolitan areas.  Many municipalities have issued burn bans in the meantime to keep fire risk as low as possible, with areas in South Florida like Palm Beach, Broward, and Miami-Dade counties experiencing severe drought that will most likely result in crop loss and water shortages. Below historical average rainfall and a La Niña winter have exacerbated the already dry situation, with high pressure stopping any storms from moving in and refilling some of the state’s natural reservoirs, like Lake Okeechobee, which is down to around 12 feet.  Readers are advised to use caution with outdoor power equipment, open flames, and anything else that can create a spark.

Some of the 600+ acre wildfire in Bay County, March 31, 2019

Where There’s Smoke There’s Fire: Thankfully, some of the state’s best researchers at FSU are looking into interactions that may drive wildfire spread to try and help us combat these environmental challenges.  The multi-institutional team brings in expertise from various fields including meteorology, geophysical fluid dynamics, and scientific computing to develop computer models that simulate wildfires and the hundreds of variables that may contribute to their spread.  One of the biggest focus points is plume density and air current relationship – the primary transport mechanism for smoke and embers, which is not yet well understood even after their central role in the devastating Palisades Fire in California earlier this year.  The researchers – recent recipients of a nearly $900,000 grant from the National Science Foundation – aim to find how far plumes can carry embers, how wind crossflow speed affects plume ceilings, and the geographic spread of air quality concerns once fires start burning.  Modeling these complex environments is the latest in a storied relationship between FSU’s Geophysical Fluid Dynamics Institute and the wider field of fire dynamics.  Hopefully through their research the team can help the wider disaster recovery landscape better prepare for and respond to wildfires, like those currently burning in Florida.

Red Tide Bloom off Florida’s Gulf Coast (undated)

Red Tide Virus: Another team of researchers further south at the University of South Florida (USF) has made what could be a groundbreaking discovery, identifying viruses within the infamous red tide blooms that cause sweeping problems for gulf states, including Florida, each year.  Historically, efforts to combat the tide have focused on the macro – using satellite imagery, observations, and field sampling, but the prevalence of this new viral species may be an even better way to identify and/or kill the Karenia brevis cells that cause the blooms.  Since the new virus is specific only to K. Brevis, the next steps in the research process are to experiment and see if its levels indicate anything about current blooms – or if the virus can be weaponized, since it should pose no threats to humans or larger wildlife and could kill off the now infamous phytoplankton.  Study co-author Makenzie Kerr is cautiously optimistic, noting that their initial hopes are going to have to see some testing to understand the full relationship between all the variables.  “There’s a lot of moving pieces,” she said, “and it’s cool to see that type of collaboration happening in our community.”

LMA Newsletter of 4-28-25

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Tags: Capitol Preferred Insurance Company, Drought, Florida State University, Red Tide, Red Tide Virus, Smoke, University of South Florida, Wildfires

“Thank you, Lisa, for your tireless work on behalf of the industry and the citizens of Florida. This post is incredibly comprehensive and helpful. Stay safe my friend.”

Mel Russell, President & CEO
Russell Insurance Consulting
St. Petersburg, FL

“Just a quick note to say I always enjoy reading your newsletter. I have found many occasions to share it with family and friends who can’t understand why their insurance is expensive, as well as fellow employees. It is a great source of information in general, and especially helpful during the hectic times when work requires that I focus more narrowly on the task at hand, as it helps me keep sight of the big picture.”

Adam Marmelstein, Director of Agency & Market Services

“A high-profile attempt to undo recent litigation reforms that helped stabilize the insurance market was successfully defeated. We’re grateful to trusted experts like Lisa Miller (former Florida Deputy Insurance Commissioner, now one of the state’s top insurance advocates) for providing ongoing updates during every legislative session.”

Whitney Ricci, President & Founder
Ricci Insurance Group
Jacksonville, FL

“You are under-thanked and under-appreciated for all the work you do for our industry but I’m one guy who really appreciates the information you gather and share.  Many times I pass it along to my clients. Many thanks.”

Dan Brown, Sr., President
Brown and Brown Insurance
Orlando, FL

“I do not know how to say in words the heartfelt thankfulness that you took the time to listen to me, heard me, and then TOOK action to get something done after the long emotional and FINANCIAL struggle with…the hardship of paying upfront for all the repairs from Hurricane Sally. I cannot say enough of how I appreciate you, your attitude of wanting to help people and the next step to actually take action to do something is amazing.”

Ramona Speer, Realtor®
Gulf Breeze, FL

“Lisa is a wealth of knowledge and produces some very useful content. I read her newsletter every week, it has great content, and I learn a lot. Thank you for being such an advocate Lisa and educating all of us.”

Tim O’Keefe, Director
KW Property Management & Consulting
Fort Lauderdale, 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

“Just a quick note to let you know how much I have appreciated your newsletter over the years and the assistance they offer for those in the field of claims. We depend on the information more than you will ever know!”

Laurie Rasberry, Chief Claims Officer
Acorn Claims
Prosper, Texas

“Thank you for all you do for the industry and the Verisk team. We are forever grateful and excited for the future. Getting your insight in my inbox is exactly what I need!”

John Haddad, Director of Product - XactAnalysis
Verisk Claims

“Your newsletter is fabulous!  I greatly appreciate the topics you expose, so that insurance professionals like myself can keep up with the latest events that affect the public we serve and ourselves.”

Cynthia Hoehn, Independent Property & Casualty Personal Lines insurance agent
Clermont, FL

“Lisa, I was delighted to get your newsletter. It is very professional and a great read about what’s going on. It was good to see you doing the things you’ve always done so well. You were always a great source of input when I was in the Capitol and glad to see you are still providing such great assistance.”

Frank Messersmith, former Florida state representative, 1980-1990

“Keep up the great work, Lisa! I enjoy your updates!”

John Askins, Former Director
Florida Department of Financial Services, Division of Insurance Fraud

“Thank you for the information. I enjoy the info that you share and in turn, I share with my daughter and her husband. Sending love and best wishes to you!”

Paula, lifelong hometown of Plant City pal

“Congrats on your 17- year anniversary at Lisa Miller & Associates®!  You have created an awesome legacy and helped numerous companies, agents, and clients!  Enjoy listening to your podcasts and reading your newsletter!  Best way to keep up with what is happening in the FL insurance world.”

William McArthur, VP of Claims
Claims Adjustment Group (CAG)

“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

“Hello Lisa, EXCELLENT articles! I love your newsletter. Already shared with my office!”

Ana Regina Myrrha, Agency Principal
American Insurance Point
Orlando, FL

“Another great Newsletter on Florida industry this week.  Your service and advocacy in Florida is very important to keeping me updated and apprised of the Florida insurance laws, trends and overall environment.  Something similar is very much needed in Louisiana, too.”

Jennifer Tedesco, Esq., Claims Director
Pharos Claims Services
Orlando, FL

“I have followed your weekly newsletter and podcasts and now have a full appreciation for what you bring to this industry.  You are an inspiring force, plain and simple.  I wanted you to know that you make a difference.  Thank you for all you do!”

Jeffrey Karam, CPCU
Bradenton, FL

“I wanted to write to tell you that this newsletter is the best in the industry. I look forward to it every week! Thank you for all that you do.”

Rebecca Leadbeater, Regulatory Compliance Analyst
Frank Winston Crum Insurance
Clearwater, FL

“Wow, what a dazzling amount of expertise and content, Lisa! You continue to amaze after 40-years of being amazing. Your newsletter is extraordinary. Congratulations!”

D. Joel Whalen, Associate Professor
DePaul University Kellstadt Graduate School of Business & Past President, Association for Business Communication

“The great thing about reading your newsletter Lisa, is that I can 100% trust that the info in it is completely accurate. Thank you for the time that you invest in this newsletter to keep everyone informed on new things going on in the industry.”

Lori Hall, Business Development Manager
Haag

“Just wanted to say that I thoroughly love your newsletter. It’s is always informative and insightful to the ins and outs of our industry.  You are an inspiration and an important asset in the insurance world.  Keep up the great work!” 

Cynthia Scott, President
University Insurance Group
Davie, FL

“Lisa, thank you for sending your newsletter to me. It keeps me up with news I can use. I hope all is well with you and wish you continued success.”

George E. Kelly, Jr.
GK Consulting LLC
Hartford, CT

“I really like your newsletter. It’s informative and to the point, even to the layperson. You are absolutely an asset to your industry. Keep it up please!”

Rivers H. Buford, III, Veteran Florida legislative and regulatory leader, retired

“What a great outreach and platform. God Bless.”

Ken Donohue, Former Inspector General
U.S. Department of Housing and Urban Development (HUD)

“I absolutely loved your AM Best Interview – watched it twice! You have always been so impressive and inspiring to the insurance profession. The interview packed so much information into just a few minutes. Thanks for sharing. Please don’t stop, we all enjoy your insight.”

John Burkholder, Principal
Municipal Partners, LLC
2016 Public Risk Manager of the Year

“Keep informing and fighting!”

Mary Ann Medina, VP Client Partnerships
Charles Taylor
Lake Mary, FL

“Lisa, you will always be a public servant and your newsletters have shared valuable information to many. These newsletters are not five minute follow up reports. You’ve been to these disasters first hand and understand people lose everything and the elderly are the most vulnerable. It’s truly sad. Thank You for being sincere, when most are looking for ratings.”

John Greer, retired from construction, Plant City

“I really do enjoy your newsletter – it is fantastic for the insurance industry in Florida.”

Bill Wilson, former PURE SAC Chair
PURE Insurance Company

“Lisa is truly an insurance industry dynamo who operates her business with integrity and zealous representation. She is the person that legislators call upon when they have questions regarding necessary insurance reforms. Lisa is a tireless advocate for the protection of all Floridians and their property.”

Greg Holder, Retired Judge and Attorney
Zinober Diana & Monteverde P.A.
Tampa, FL

“Wow, what a great picture and worth a thousand words! I’ve been reading/listening religiously to your newsletters/podcasts. They’ve been a tremendous source of information. Thank you!”

Austin Perez, Senior Policy Advisor
National Association of Realtors®
Gulf Breeze, FL

“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.

“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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