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Rains Bringing Drought, Wildfire Relief

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Plus, a look inside Florida’s giant emergency management hub

Recent heavy rains bring a respite from Florida’s months-long drought and wildfires, the state legislature approves new sales tax breaks on home-hardening efforts and new funding for wind mitigation, plus Florida emergency managers show-off their giant, fully operational Central Florida hub and it’s a doozie!  It’s all in this week’s Disaster Management Digest.

Drought Update: Florida’s historic drought could finally be coming to a close, with heavy rains over the past two weeks prompting many counties to ease water restrictions and burn bans.  Lee and Collier counties in Southwest Florida lifted water restrictions following nearly 4.5 inches of rain, with burn bans now lifted in communities including Jacksonville and Hernando County.  Leon County, the worst in the U.S. for weeks, has now been downgraded from “exceptional” to “extreme” and “severe” drought conditions in different areas.  Above normal rainfall is forecast for this week.  As for wildfires, while some still burn in Central and Southwest Florida, the numbers appear to be in the low double digits, as opposed to the oppressive 500+ fires we reported in mid-May.  Hopefully, the drought will continue to subside in time for Fourth of July festivities with fireworks.

An impact-resistant window. Courtesy, Southern Home Improvement Center

Tax-Free Resilience: Along with a new state budget, the Florida Legislature late last month approved a 2026 Tax Relief Package that includes a three-year sales tax exemption on impact-resistant windows and doors.  Senate Finance and Tax Committee Chair Bryan Avila (R-Miami Springs) noted, “We know severe weather can strike at any time … making impact-resistant windows and doors tax-free for the next three years will help Floridians fortify their homes and improve safety with the added benefit of helping to bring down the cost of property insurance.”  The Insurance Institute for Business & Home Safety (IBHS) recommends upgrading windows and doors as two of the three most important ways to lower a home’s risk of damage from storms. 

My Safe Florida Home Program: The legislature also approved more than $405 million in reappropriated funds to address the backlog of approximately 45,000 homeowners who completed the free inspections but had not yet received grants from the My Safe Florida Home (MSFH) program, due to depleted funding.  This will allow the Department of Financial Services, which administers this wind mitigation program, to continue processing applications already in the queue.  Florida’s 2026–27 budget includes more than $600 million in combined MSFH and My Safe Florida Condo Pilot Program funding, signaling long‑term program stability and a legislative commitment to mitigation investments.  The program will continue to prioritizes low‑ and moderate‑income homeowners.

FDEM Deputy Executive Director Ben Fairbrother (left) and team with rows of equipment inside the Central Operations and Coordination Office. Courtesy, FDEM

Florida’s Shining Jewel in Disaster Management: Last summer, the Florida Division of Emergency Management (FDEM) announced the grand opening of the Central Operations and Coordination Office (COCO).  This state-of-the-art facility in Auburndale, in Central Florida, serves as the major hub for disaster supplies, logistics, and coordination.  Now, for this hurricane season, the agency offered a tour of the 421,600-square-foot facility during the recent Florida’s Training for Emergency Management Symposium, in nearby Orlando.  In a prior post on LinkedIn, FDEM’s Deputy Executive Director, Ben Fairbrother, shared pictures from an earlier tour, showing seemingly endless rows of disaster preparedness materials and equally impressive facts and figures regarding the facility, including: 400 trailer spaces, 100+ sleeping quarters, three hazardous materials closets, drive-in loading capabilities, and even a helipad able to land Florida National Guard aircraft. 

Kevin Guthrie (center) leads the tour of the giant warehouse inside the Central Operations and Coordination Office. Courtesy, FDEM

A true sense of the building’s scale can be seen in the recent tour highlights in this FDEM LinkedIn post, showcasing the operational spaces, vehicles, trailers, and the sunny personnel ready to spring into action.  We are incredibly proud to live in a state with leaders like Florida Emergency Management Director Kevin Guthrie, who understand the gravity of disaster response and emergency preparedness.  Facilities such as COCO further demonstrate our insistence to be ready when the next storm strikes.

LMA Newsletter of 6-15-26

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Tags: Ben Fairbrother, Central Operations and Coordination Office, Disaster Management, Disaster Preparedness, Florida Division of Emergency Management, Florida Drought, Florida Hurricanes, Florida Wildfire, Florida’s Training for Emergency Management, Impact-Resistant Door Window Sales Tax Exemption, Impact-Resistant Doors & Windows, Kevin Guthrie, My Safe Florida Home Program, Wind Mitigation, Wind Mitigation Credit

“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

“Keep informing and fighting!”

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

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Paula, lifelong hometown of Plant City pal

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Cynthia Scott, President
University Insurance Group
Davie, FL

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Jeffrey Karam, CPCU
Bradenton, FL

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

“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.”

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Claims Adjustment Group (CAG)

“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

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

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

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

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John Haddad, Director of Product - XactAnalysis
Verisk Claims

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Bill Wilson, former PURE SAC Chair
PURE Insurance Company

“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 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 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

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

“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

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

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

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

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

“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

“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

“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

“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

“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

“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

“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 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

“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.

“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

“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

“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

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