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Report Urges New Resilience Innovation for Florida

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Blueprint includes strengthening building standards

Our beautiful Sunshine State is no stranger to natural disasters.  With more than 75% of residents living in coastal counties, Florida is uniquely positioned as one of the states most vulnerable to hurricanes, flooding and the secondary storm surge.  By the same token, these vulnerabilities could be the blueprint for adapting and growing, even under these circumstances.  The Florida Council of 100 (FC100) echoed this sentiment in its recent research report titled “Resilience Reimagined: Modern Policy and Innovation for a Stronger Florida.”  It offers policy recommendations to modernize infrastructure, streamline recovery, strengthen building standards, and advance resilience-focused innovation to protect communities − and set a standard for the rest of the country while doing so. 

“Every dollar we invest today in preparedness more than pays for itself in economic benefits,” said Eric Silagy, Chair of the FC100 Resilience Committee, “Smart policy and investment choices today will reduce costs, shorten or eliminate recovery times, stabilize housing markets, and keep businesses and talent here in Florida.”  According to the report, every dollar not put towards hurricane preparedness costs $7 in economic activity; every dollar not spent on flood prevention costs a whopping $25 down the road.  The storms and their wakes are part of the “operating reality for … families, businesses, and communities across Florida,” says the report, which begs the question: What can we do?

FC100 suggests the following: 

  • Extend the pause on new construction moratoriums after storms under Section 252.422, F.S. from one year to two years
  • Set a hard 180-day deadline for permit approval or denials, even with new information requests – if no decision has been issued after 180 days, automatic approval to get rebuilding underway
  • Mandate that all utilities file and execute a 10-year storm protection plan to keep Florida online during crisis, even for the currently exempt municipal and cooperative utilities
  • Amend the Florida Constitution to exempt flood mitigation improvements from property value assessments
  • Require communities to adopt floodplain management ordinances to be eligible for flood disaster assistance
  • Require that local governments with coastal management elements in their comprehensive plans incorporate an adaptation action area designation
  • Increase statutorily obligated funding for the Resilient Florida Grant Program by $100 million each year until there is a minimum annual funding amount of $500 million
  • Measure building height from the minimum permittable habitable floor (Design Flood Elevation – DFE) rather than existing grade to account for FEMA raising minimum flood elevations
  • Require batteries and energy storage systems to be installed at least two feet above the base flood elevation, or at the design flood elevation
  • Create a certification process to verify that after solar installation, buildings still meet wind load and envelope integrity standards – oftentimes poorly integrated systems weaken roof structures
  • Create a zoning overlay provision which enables non-complying buildings or structures to be enlarged or converted when pursuing flood mitigation improvements
  • Engage in a study to consider expanding HVHZ designation of its technical standards in any area where modeled wind speeds exceed 140 mph (Risk Category II) or other Risk Category thresholds
  • Establish a certification program for homes that meet RIPL/SAMPL benchmarks and require insurers to provide premium discounts for certified resilient construction
  • Amend existing tax credit programs to include resilience industry businesses, making it easier for them to fund early research and development
  • Further connect resilience industry entrepreneurs with critical seed and growth-stage capita
  • Launch an accelerator at Babcock Ranch in partnership with Florida Gulf Coast University and private sector investors

This robust list of changes would not only keep Florida on the fast track for economic development, but set a national standard for resilience-oriented innovation from construction to technology and everything in between.  “Florida’s future will be defined by how well we prepare for and respond to storms and flooding,” said George S. LeMieux, Chair of The Florida Council of 100.  “Resilience is not just about repairing damage. It is about protecting our economy, safeguarding communities, and ensuring Florida remains one of the most competitive places in the world to live and do business.”

LMA Newsletter of 1-26-26

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Tags: Building Standards, Construction, disaster recovery, Floirda Building Code, Flooding, Floodplain Management, Florida Council of 100, Florida Homeowners, Florida Hurricanes, Infrastructure, Insurance Mitigation Discounts, Mitigation, moratoriums, Resilience, Resilient Florida Grant Program, Underground Utilities, Wind Mitigation

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National Association of Realtors®
Gulf Breeze, FL

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

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

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

Bill Wilson, former PURE SAC Chair
PURE Insurance Company

“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

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Claims Adjustment Group (CAG)

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2016 Public Risk Manager of the Year

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Ricci Insurance Group
Jacksonville, FL

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

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Lori Hall, Business Development Manager
Haag

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Jeffrey Karam, CPCU
Bradenton, FL

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Charles Taylor
Lake Mary, FL

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

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

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Frank Messersmith, former Florida state representative, 1980-1990

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Gillian Lloyd, Account Executive
Zywave
Milwaukee, WI

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

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John Haddad, Director of Product - XactAnalysis
Verisk Claims

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Cynthia Scott, President
University Insurance Group
Davie, 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, 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

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Paula, lifelong hometown of Plant City pal

“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

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

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

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

“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

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Ramona Speer, Realtor®
Gulf Breeze, FL

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Laurie Rasberry, Chief Claims Officer
Acorn Claims
Prosper, Texas

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

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

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