Resolution No. 2024-63 Adopting a Program for a Public Information (PPI) Document - October 1, 2024 CITY OF AVENTURA RESOLUTION NO. 2024-63
A RESOLUTION OF THE CITY COMMISSION OF THE CITY OF
AVENTURA, FLORIDA, ADOPTING THE PROGRAM FOR A PUBLIC
INFORMATION (PPI) DOCUMENT, WHICH INCLUDES THE FLOOD
INSURANCE COVERAGE IMPROVEMENT PLAN AND THE FLOOD
RESPONSE PREPARATION PLAN; PROVIDING FOR
IMPLEMENTATION; AND PROVIDING FOR AN EFFECTIVE DATE.
WHEREAS, portions of the City of Aventura ("City') are located in a special flood
hazard area as mapped by the Federal Emergency Management Agency; and
WHEREAS, the City participates in the Community Rating System, which is a part
of the National Flood Insurance Program; and
WHEREAS, the City desires to mitigate flood damage in the community by
maintaining an effective program for providing pertinent flood-related information to the
community; and
WHEREAS, the City desires to reduce flood insurance rates for property owners,
and
WHEREAS, the City established the Program for Public Information ("PPI")
Committee in 2024 to inform the public about flood hazards within the City; and
WHEREAS, the PPI Committee consists of three (3) community stakeholders and
three (3) City staff members; and
WHEREAS, on August 14, 2024, and August 26, 2024, the PPI Committee held
workshops to draft the Program for Public Information Report, including the Flood
Insurance Coverage Improvement Plan; and
WHEREAS, the result of the PPI Committee's work, will serve as the community's
guide to implement and expand the effectiveness of dissemination of floodplain
management information to its public; and
WHEREAS, the City Commission finds that this Resolution is in the best interest
and welfare of the residents of the City.
City of Aventura Resolution No. 2024-63
NOW, THEREFORE, BE IT RESOLVED BY THE CITY COMMISSION OF THE
CITY OF AVENTURA, FLORIDA:
Section 1. That each of the above-stated recitals are hereby adopted, confirmed,
and incorporated herein.
Section 2. That the City Commission hereby adopts the PPI Document which
includes the Flood Insurance Coverage Improvement Plan, a copy of which is attached
hereto as Exhibit "A".
Section 3. That the City Manager is authorized to do all things necessary to carry
out the aims of this Resolution.
Section 4. That this Resolution shall become effective immediately upon its
adoption.
The foregoing Resolution was offered by Commissioner Friedland, who moved its
adoption. The motion was seconded by Commissioner Bloom, and upon being put to a
vote, the vote was as follows:
Commissioner Amit Bloom Yes
Commissioner Rachel S. Friedland Yes
Commissioner Billy Joel Yes
Commissioner Paul A. Kruss Yes
Vice Mayor Dr. Linda Marks Yes
Mayor Howard S. Weinberg Yes
PASSED AND ADOPTED this 1st day of October, 2024.
Page 2 of 3
City of Aventura Resolution No. 2024-63
Lv�
vY
•
HOWARD S. WEINBERG, ES
MAYOR
ATTEST:
ELLISA L. HORVATH, MMC
CITY CLERK
APPROVED AS TO LEGAL SUFFICIENCY:
ROBERT MEYERS
CITY ATTORNEY
WEISS SEROTA HELFMAN COLE + BIERMAN, P.L.
Page 3 of 3
1 '
City of Aventura, Florida
2024 Program for Public Information (PPI)
Background
The City of Aventura has developed an extensive outreach program to educate the community concerning
matters pertaining to floodplain management and to highlight its importance to the community.
In October 2000, the City of Aventura qualified for the Community Rating System (CRS) Program.
CRS is a part of the National Flood Insurance Program (NFIP). It provides reductions to flood
insurance premiums in participating communities. The reductions are based on community floodplain
management programs, including public information activities. To keep those discounts, communities
must continue to implement their programs and provide status reports to the NFIP each year. Since
its entrance into the CRS Program, the City has included the dissemination of flood-related
information to its residents and businesses.
The City of Aventura also values matters of environmental concern. To this end, it has emphasized }'
not only the life and property protection components of floodplain management but also the natural
and beneficial functions of floodplains and the maintenance of open space. Furthermore, it continues •—
active compliance with the MS4 program(Municipal Separate Storm Sewer Systems).The MS4 program is
part of the US Environmental Protection Agency's efforts to reduce pollution caused by untreated stormwater X
runoff. w
This Program for Public Information (PPI), developed in accordance with the PPI standard outlined in the
2017 CRS Coordinator's Manual is a concerted effort to enhance its outreach efforts. The City is pleased
that its efforts can not only prove beneficial to the Aventura community through mitigation of the hazardous
effects of flooding, but they can also prove beneficial in maximizing credit in the CRS program. In
accordance with the CRS program's requirements, this report has been developed by a committee of staff
and stakeholders to enhance and update the City's outreach.
PPI Committee
The City's Program for Public Information Committee is composed of key individuals representing
applicable departments in the City as well as key community stakeholders representing a range of the
City's citizens and businesses. The PPI Committee met two times to develop the Program for Public
Information:
• August 14, 2024
• August 26, 2024
This document, which embodies the results of the PPI Committee's work, will serve as the community's
guide to implement and expand the effectiveness of dissemination of floodplain management information
to its public.
Meetings were held virtually. The PPI Committee members include three stakeholders and three City staff
members, one of whom is a Certified Floodplain Manager.
Program for Public Information Page 1 of 18 September 2024
City of Aventura Stakeholders:
• Kevin Purvis, Cothrom Risk & Insurance Services
• Luz Weinberg, Resident from Construction Industry, Public Information Expert&Local Government
• Jessica Martinez, Regional Director, Castle Group Real Estate
City of Aventura Staff:
• Jake Ozyman, PE, CFM, Floodplain Administrator& Public Works Director
• Jennifer Clark, Communications/Outreach Manager
• Kevin R. Klopp, Community Development Director
CRS Max Consultants, Inc. served as facilitator in the development of the PPI.
Assessment of Public Information Needs
In its first meeting, the committee began by assessing the community's public information needs pertaining
to the local flood hazard.
In the City of Aventura intense or prolonged, concentrated rain is the primary cause of localized flooding.
Major rainfall events occur in association with hurricanes, tropical storms, and thunderstorms associated
with frontal systems. This overabundance of rainfall creates saturated soil conditions, after which additional
rain causes surface ponding or an overflow of catchment canals and ponds. This can result in street and _
yard flooding, which is regarded as nuisance flooding. Flood damage to buildings has historically been
significant, as confirmed by the fact that there are 15 Repetitive Loss Properties, and 257 paid flood
insurance claims since 1999.
Target Areas:
The committee agreed that, while it is important that the whole community receive public information
pertaining to flooding, there are some areas and groups that particularly need to be targeted. X
w
1. Target Area#1: Properties within the Repetitive Loss Areas.
Any area that has been subject to repetitive losses from flooding, as defined by the NFIP, needs to
be especially targeted for public information. A special annual outreach project entailing an
advisement to the properties in these areas in the City will continue to be undertaken. The four
advisements specified in the 2017 CRS Coordinator's Manual will be included.
2. Target Area#2: Special Flood Hazard Areas.
Properties located within special flood hazard areas are deemed to be especially vulnerable
because they are located in areas identified as having a higher risk of flooding. These are made
up of all areas designated as A&V flood zones on FEMA flood maps.
3. Target Area#3: Waterfront Properties on 188t" Street.
The properties most vulnerable to storm surge and flooding are located adjacent to the Intracoastal
and other bodies of water and should be especially targeted with outreach. Taking historical
flooding into consideration, the committee decided to focus on the waterfront properties located
along 1881" street.
4. Target Area#4: Aventura Town Center Area.
There are several flood-prone areas in the city. One of these is a primarily commercial area called
Aventura Town Center(formerly Loehmann's) located between the Intracoastal and Biscayne Blvd
Program for Public Information Page 2 of 18 September 2024
along NE 187t" Street (including businesses on both sides on NE 187t" Street and both sides of
Biscayne Blvd.). This area includes over 20 commercial buildings, most of which were built in the
1980's and have low elevations, which contributes to their tendency to flood. Considering this
vulnerability, business owners and residents in this area should be recipients of targeted outreach.
Target Audiences:
The committee recognized several additional target audiences, other than those characterized by target
areas, which need flood-related information.
1. Target audience#1: Real Estate Agencies.
Because real estate agencies are key players in the purchase of properties and can encourage
flood insurance coverage, the committee identified this audience as a target group.
2. Target audience#2: Insurance Agencies.
Because insurance agencies are central to the National Flood Insurance Program and because
they are in a strong position to encourage flood insurance coverage, the committee identified this
as a target group.
3. Target audience#3: Local Bank Managers. _
Because banks and lenders can be especially impacted by flooding due to the fiscal exposure they Q
face, and. because they are in a strong position to encourage flood insurance coverage, the
committee identified this as a target group. As most banks are corporate and headquartered
elsewhere, the local branch managers were identified as the best audience to target with locally
relevant outreach.
4. Target Audience#4: Condominium and Homeowner Associations. X
Because condominium and homeowner associations typically concern themselves with matters w
vital to their respective communities, this was determined to be an appropriate target audience.
5. Target audience#5: Chamber of Commerce Members.
Local businesses that are active in the Chamber Commerce would benefit from information about
protecting their businesses from flood loss. Additionally, these business leaders can also be
engaged as stakeholders to further disseminate outreach to their customers and clients.
6. Target audience#6: Community Expo Attendees.
Residents who do attend the Community Expo are generally seeking useful information about living
in Aventura and may be unfamiliar with the local flood risk, making them an ideal audience for
locally specific information about flood risk, mitigation and the importance of insurance. Reaching
this audience could be done by providing direct outreach and presentations at the Expo, as well as
engaging the partnership of stakeholders that collaborate to make the Expo possible.
7. Target audience#7: Local Builders' Association Members.
Local builders were identified as an ideal audience to receive information about the importance of
building responsibly and encouraging potential homeowners to consider local flood risks.
Accordingly, providing outreach to the local Builders' Association was identified as a way to reach
homebuilders who work in Aventura.
Program for Public Information Page 3 of 18 September 2024
Included in the assessment of public information was an assessment of the projects which are already
being undertaken both by the various departments within the City and by stakeholders and agencies outside
the City. A listing of some of the projects conducted by the City or by others is included in Table 1 below.
Table 1. Other Public Information Efforts
Organization Project Subject Matter Frequency
City of Aventura Flood hazard brochure Various hurricane and flood- Annually in May
related topics
City of Aventura Monthly newsletter and Various topics Monthly
eNewsletters
City of Aventura Presentations at Community Various topics Annually
Expo
City of Aventura Government TV Channel Various topics Year-round
(AvTV)
Facebook, X, Instagram,
NextDoor, Linkedln and You Various flood-related topics Year-round
Tube postings Q
Press releases Various flood-related topics As needed },
City of Aventura Website Various flood-related topics Year-round
Flood hazard areas, flood
Map inquiry service Insurance, flood protection Year-round X
w
MS4 Projects, Swale and Take care of your storm drain;
Canal Maintenance, Illegal protect water quality, no illegal Year-round
Dumping Signage, etc. dumping
South Florida Water Handouts on water flow and Stormwater management Available year-
Management District stormwater management round
Hurricane preparedness Annually at
Local TV Stations publications Hurricane preparedness beginning of
hurricane season
Regional network TV and Coverage in hurricane Preparation for and response to May- November
radio stations season hurricanes and floods
CodeRed Pertinent messages by Various topics As deemed
phone appropriate
Publix Hurricane preparedness Preparation for hurricanes May
guide available at stores
An assessment of flood insurance coverage was also conducted and is discussed later in this report.
Program for Public Information Page 4 of 18 September 2024
Topics, Messages and Outcomes
After assessing the Community's flooding information needs, the PPI Committee identified the following
as the priority messages. Each message has a desired, measurable, outcome, as shown in Table 2.
Table 2. Topics,Messages and Desired Outcomes
Topic Message Outcome
1A. You can contact the Floodplain Administrator at(305)466-8970 for help
determining which flood zone your property is in.
1 B Every property in Florida is at risk of flooding.Go to
https:#msc.fema.gov/portal/home find out if your property is in a high risk flood
zone.
1. Know your 1 C.Check with Public Works at 305466-8970 on the extent of past flooding in More map
flood hazard your area. information
1 D.The City provides Flood Insurance Rate Map(FIRM)determinations to let you inquiries
know if you are in a flood hazard area and if you are required to carry flood
insurance. If you would like a determination,contact the Building and Zoning
Department at 305466-8940.The City also has information for additional
FIRM information, problems not shown on the FIRM,flood depth data,special
flood related hazards,historical information,and natural flood lain functions.
2A. Get a flood insurance policy.
2B. Review your insurance policy to ensure it provides adequate flood
damage coverage. Increase in the
2. Insure your 2C. You can purchase flood insurance no matter where you reside(in a high, number of flood _
property for moderate or low-risk area)and there is no exclusion based on the type of insurance
flood hazard ownership you represent(i.e. homeowner,renter or business owner). policies Q
2 D.All properties are in a flood zone.Even if you are not in a high risk flood zone,
you should still contact a flood insurance agent to find out more about available
coverage.
3A. Do not walk through water,or drive through a flooded area. Fewer cases of
3. Protect loss of life or
3B. Turn around, don't drown!
people from 3C. If you lose power at your property,turn off all major appliances. exposure to
the hazard 3D. Develop a disaster response plan. danger resulting X
from floods.
4A. Protect your property by sandbagging areas vulnerable to the entry of water.
4B.Valuables,furniture,and important appliances may also be moved to help
lessen damage if a flood occurs.
4C. Put insurance policies,valuable papers, medicine,etc., in a safe place.
4. Protect your 4D. Building owners can consider engineered floodproofing options such as flood Reduced property
property from barriers. loss due to
the hazard 4E.The City provides flood protection assistance upon request.A City flooding
representative is available to provide flood protection methods and can visit
your property to assess the problem and recommend how to protect your
property from the flood hazard.Call or visit the Community Development
Department to request flood protection at 305466-8940.
5A. Note that some flood protection measures may need a building permit
and others may not be safe for your type of building, so be sure to talk to Reduced number
the Building Department. of building
5. Build 5B. Be sure to talk to the City's Building Department at 305466-8937 before department
responsibly making any changes on your property. citations for
5C.Contact the Building and Zoning Department before you build,alter, regrade unauthorized
or add fill to your property. Building and Zoning is located at 19200 West changes
Country Club Drive. If you see building or fill being added to a property without
a City permit posted, report the work to 305466-8941.
6A. It is important to appreciate natural floodplains. Please help keep these areas
6. Protect open and clean!
natural 6B.Only rain down the drain. Increased support
for protecting
floodplain 6C. It is illegal for any direct or indirect entry or any solid, liquid or gaseous matter
functions to enter the drainage system. Reports of any violations should be made to the natural areas.
Public Works at 305466-8930 or Miami Dade County at 311.
Program for Public Information Page 5 of 18 September 2024
Table 2. Topics,Messages and Desired Outcomes
Topic Message Outcome
7. Buyers of residential property should investigate and understand the flood risks
of the property they are buying. It is a requirement in Miami-Dade County that
7. Know before any purchase of improved real estate located in a Special Flood Hazard Area More
you buy or Coastal Flood Hazard Area include a full disclosure to the buyer that the knowledgeable
property lies in either of those zones.This requirement alerts potential buyers home purchasing
to the threat of flooding in the area,so they can make an informed purchasing
decision.
8. Have an evacuation plan! If you are under an evacuation order, allow Less water
8. Evacuation plenty of time to leave before the storm. Emergency services may not be rescues of
available. residents who did
not evacuate
9. Protection of 9. Contact FPL if you have vegetation growing closer than 6 feet away from Less tree related
power lines power lines that needs to be trimmed. Never attempt to trim any power outages
vegetation growing near or on any overhead power lines. after a storm
10. Flood 10. The City of Aventura and Miami-Dade County utilize the National More residents
Weather Service (NWS)for flood notification. Stay alert by monitoring the signed up for
warning local news and weather reports and sign up for emergency alerts. emergency alerts
Outreach Projects to Convey Messages
After determining the messages and their desired outcomes, the committee proceeded to identify outreach
projects to convey the messages. The PPI Committee identified 41 projects and initiatives that are
recommended to be implemented. Many of the projects have already been established and their continued Q
implementation is recommended. Other projects are specific recommendations of the committee that can _
be implemented to enhance the current outreach program. Table 6 included at the end of this report, �--+
represents a compilation of the recommended projects, complete with the assignment as to who is •—
responsible for implementation and when implementation is anticipated.
X Electronic Distribution of Outreach Projects
It is important to note that, the PPI Committee determined that, whenever feasible, the implementation of w
electronic, rather than printed media is the preferred method to fulfill publicity requirements.
It is noted that effective communications are increasingly conveyed through electronic, rather than through
printed, media. This trend is clear and
growing. In light of this movement from
print to electronic media, the committee a
recommends the primary media used by CITY Kiosk is Here!
the City for publicity of all required
elements be electronic.
Not only does this recommendation
result from considerations of
effectiveness and efficiency, but there is
also an economic component. The
printing and postal costs for mailing hard
copies of flood-related materials to the
buildings in the community is expensive.
The committee recommends electronic
formats, such as emails, social media,
website, television, radio and news '
feeds be the primary means used to
publicize the required elements in the
CRS program.
Program for Public Information Page 6 of 18 September 2024
At a minimum, the following electronic-based media should be utilized for each one of the
publicity requirements:
• Website
• Email blasts
• eNewsletters
• Social media
• Government Access TV Channel
• IKE Digital Display boards
located throughout the City
In essence, the PPI Committee proposes the replacement of one annual printed publicity with numerous
messages disseminated through numerous electronic media platforms. With the continuing movement in
the 21st Century from the printed to the electronic media, the PPI Committee has determined that this new
approach makes sense from the perspectives of effectiveness, efficiency, and economy.
The PPI Committee recommends this publicity strategy be utilized for all required publicity elements in the
CRS program, including:
• Activity 310— Elevation Certificates
• Activity 320— Map Information Services
• Activity 360— Flood Protection Assistance Q
• Property protection advice (PPA)
• Protection advice provided after a site visit (PPV)
• Activity 370— Flood Insurance Promotion
• Activity 540— Drainage System Maintenance X
• Activity 610— Flood Warning and Response w
Additional discussion ensued concerning the benefit of utilizing stakeholders to disseminate information.
The committee members who are also stakeholders expressed a willingness to assist with dissemination
of flood-related information. In particular, the following venues were identified:
• Chamber of Commerce
• Community Ambassadors
• Miami-Dade County
• South Florida Water Management District
• Property management associations
• Realtor associations
• Builders'Association
• Other professional associations
Other Public Information Initiatives
In addition to the outreach projects recommended in Table 6 there are other important public information
initiatives that are an integral part of the community's CRS program. The PPI Committee acknowledges
the importance of advertising through public information venues the various services that the City offers,
Program for Public Information Page 7 of 18 September 2024
some of which are credited in the CRS program under other activities. In particular, the City will advertise
the following assistance that it offers:
• Activity 310 (Elevation Certificates): The availability of elevation certificates will continue to be
advertised in the City's email newsletter, on the City website and advertised in the City flood hazard
brochure at least annually.
• Activity 320 (Map Information Service): This service continues to be offered. This service can
be advertised in the City flood hazard brochure at least annually and on the City website.
• Activity 340 (Hazard Disclosure): The PPI Committee recommends advising real estate agents
of the state and county's hazard disclosure requirement for coastal communities in its annual
targeted outreach.
• Activity 360 (Flood Protection Information): The PPI Committee noted that the City has an
informative website which, upon completion, will cover all of the 10 messages chosen by the
committee. The website is being updated to maximize CRS credit in this item. FEMA publications
and locally pertinent documents are cataloged at the Miami-Dade County Public Library.
• Activity 360 (Flood Protection Assistance): The City continues to offer these services to the
community and will advertise the services, including site visits, in the flood hazard brochure at least
annually and on the City website.
• Activity 370(Flood Insurance Promotion)The City will offer advice on flood insurance,which will
be advertised in the City's flood brochure that will be mailed with a utility bill annually, and on the _
website. Q
• Activity 640 (Drainage System Maintenance): The "no dumping" regulations will continue to be =
advertised in the newsletter and on social media, at least annually and on the City website, and in +-+
the City flood hazard brochure at least annually.
• Activity 610 (Flood Warning and Response): Flood warning and safety information will be
advertised to the entire community in the City flood hazard brochure at least annually, and included X
on the City website and social media w
Flood Response Preparations
In addition to projects that are implemented every year, the PPI Committee recommends projects that will
be implemented immediately before, during, and after a flood. These projects are ready for reproduction
and dissemination after a flood warning. A copy of the Flood Response Preparations (FRP) document was
reviewed by City staff. The document is recommended as a toolkit for the City to utilize as deemed most
appropriate in the event of a major flood or hurricane event. The projects are briefly described at the end
of this PPI in Table 7.
Implementation, Monitoring and Evaluation
Upon adoption of the PPI Report, the various entities listed in Table 6 will begin implementation of the
projects included in the PPI. The CRS Coordinator will monitor the projects as they are developed, as well
as their results. He/she will record input from PPI Committee members and suggestions from other City
employees and stakeholders participating in the activities.
The PPI Committee will meet at least once each year to review the implementation of these projects and
initiatives. At that time, the status of the projects will be explained and progress toward the outcomes will
be discussed. The committee will review the outcomes of the activities to change, add, or approve them.
An evaluation report will then be written and sent by email for approval by the committee. Upon approval
it will be sent to the City Commission and submitted as part of the City's annual recertification package to
the Community Rating System. A review and evaluation of the Flood Insurance Promotion component of
the PPI, and the Flood Response Preparations document will be included in this document.
Program for Public Information Page 8 of 18 September 2024
Flood Insurance Promotion
In addition to serving as the City's Program for Public Information Committee, the members chose to
function also as its Flood Insurance Promotion Committee. The committee was structured with this purpose
in mind; all CRS committee membership requirements are met.
Flood Insurance Coverage Assessment:
Tables 3 and 4 provided helpful information to assess the city's flood insurance coverage.
Table 3: Flood Insurance Coverage by Flood Zone:
Insurance Zone
As of 02/02/2024
AVENTURA.CITY OF s'°'P1 FLORIDA
MIAMI-DARE COUNTY cm: 120676
0--i— 0,,.Pa... P-P—FIA\I
Number of Closed Paid
Policies in Force Premimn Insurance in Force Losses S of Closed Paid Losses Adjustment Expense
A9130K.0 z°°e, 11,758 $1.605,269 $2,708,070,000 246 $5,824,851.39 $477,486.01
Az01eF 1 $1,271 $350,000 2 $8251.35 $850.00
Ao zo°es 0 $0 $0 0 $0.00 $0.00
0 $0 $0 0 $0.00 $0.00
zo°eS 0 $0 $0 0 $0.00 $0.00
'9°zouev 0 $0 $0 0 $0.00 $0.00
V.130&IT z°°es 0 $0 $0 0 $0.00 $0.00
Vz°°P5 0 $0 $0 0 $0.00 $0.00
nz—, 0 $0 $0 0 $0.00 $0.00
a,e e x z°°e
sm°a°.a 443 $69,402 $113,250,000 7 $1,785,177.84 $52,415.79
P1PCP1"" 0 $0 $0 2 $0.00 $790.00
12,202 $1,675,942 $2.821,670,000 257 $T618,280.58 $53L541.80
X
W
Table 4: Flood Insurance Coverage by Occupancy:
Insurance Occupancy
As of 02/02/2024
AVENTURA.CITY OF s'°'P1 FLORIDA
MIAMI-DADECOUNTY ®: 120676
Ocenieie O[CRIIIII[ti -_- Pre�P°sr FIRM
Number of Closed Paid
Policies in Force Premium Insurance in Force Losses S of Closed Paid Losses Adjustment Expense
478 $326,260 $149,651000 46 $366.600.41 $49,552.01
24F°mi'2 23 $9,906 $5,238,000 $0.00 $1,095.00
-01--d—A 11,546 $1,092,329 $21596,139,000 118 $1580,789.51 $181028.18
'°°-d'o-,d 155 $247,447 $70,64L000 90 $3.670.890.66 $297,866.61
F-1 12.202 $1,675,942 $2,921,670,000 257 $7.618,29058 $531,541-90
Policies in Force Premium Iusnrance in Force -snmber of Closed Paid Losses $of Closed Paid Losses Adjustment Expense
c-d° 11.586 $1,093.966 $2.594,921,000 125 $3,591.155.27 $190,733.18
xe°c°°d° 616 $581,976 $226,749,000 132 $4,027,125.31 $340MS.62
1°1.1 12.202 $L675,942 $2,821,670,000 257 $7,618.280.58 $531,541.80
Program for Public Information Page 9 of 18 September 2024
When analyzing claim data, care was taken not to violate privacy rights. According to the FEMA claims
data the City currently has 15 repetitive loss properties. City staff used this data to designate 6 repetitive
loss areas, which together contain 139 buildings with 1025 addresses.
The graph below depicts historical flood insurance claims and claim amounts by year for buildings within
the City of Aventura. The flood insurance claims data, dated May 13, 2024, was provided by FEMA.
Aventura Flood Insurance Claims Analysis by Year
10 ,211,437.]2 $3,000A00.00
W 630 9x 62
$1,SOOA00.00
50 $600g46,94
S?m0 aouuo
m S9x, st 1
$44,516.74 SI,SOOA0n00
$39 z76.n S41Ass.o3
1
6xz,3sz,fiz
� Stz,ns.o6 $1,o6oA6ao6
20
9,]16.59
17 i6
$2,2no'
l0 $1,014A5 $S�.WO.W
1 1 1 1 3
a $-
$1,151 513,92] $1A14 $22'35,,3 $a9,21I7,,7$12f% S37.
f.— $"¢ 17 NN 5".5 1.t 54U. N $37,528 N $666s3 S1.6tw199 1M.� 56.139 NN
C 4o c O P 90 IJ 4a O O P µ O N t] N iT N tJ O O w N w t] �
o lorel n.,.P.,1{sl —POI P.,.n„ms —4wnptSuna.Mmeatnaeacem
Further analysis revealed that the majority of all flood insurance claims resulted from a relatively few number �--+
of extreme weather events. The graph below contains narratives about the five events that caused the
most flood insurance claims. _
#of Paid Claims by Event Date X
70 W
5/7/2013 Bands from Tropical Storm Andrea brought torrential rains to Coastal Broward
and NE Miami-Dade.hundreds of people stranded in their vehicles.An off-duty NW
employee also reported significant Flooding in 6/7/2013,5s
6o his condominium parking garage in Aventura.
A South Florida Water Management District rain
gauge recorded 13.15 inches of rain in North Miami
Beach at 5:53 PM EDT
so
1212312019 A strong cold front moved
through the region behind a deep,
40 10l3I2000 Tropical storm low pressure system that developed
p over the Gulf and pushed eastward.
Leslie brought 10 to 20 Ahead of the cold front,a strong lire
inches of rain to of storms crossed through SFL and
northern Miami-Dade. 919/2 0 1 7-911 012 0 1 7 produced heavy rain
30 An estimated 93000 Major Hurricane 12/23/2019,28 and flooding across
houses were isolated Irma brought a significant the east coast metro
by flood waters.Three 12/17/2009 storm surge of 4-6'in Miami areas.Heavy rainfall of
indirect deaths included persistent band of heavy showers 5 to 10 inches of rain were noted 3 to 5 inches fell
two males who drove produced severe flooding over across South Florida across the area,resulting
20
vehicles into canals sections of SE Broward in stranded cars along
and one man who fell 9/1o/2017,14
from a roof while re paring &NE Miami-Dade. 12/17/2009,12 NE 11th stand Biscayne
p 9 Rainfall reports were Blvd in Miami
a leak. between 3 and 4.3 inches
10 101312000,7
0
tc o 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
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Program for Public Information Page 10 of 18 September 2024
The PPI Committee used these tables and graphs to make some helpful assessments of the flood insurance
coverage. Discussion ensued as the committee examined the data included in the tables and compared
the history of flood insurance claims with the flood zones and occupancy types of flood insurance policies.
Following are some of the assessments made:
• There are 12,202 active policies in the community and a total of 257 closed, paid claims.
• There are far more policies as well as more claims (11,759 policies with 248 claims totaling
approximately $5.8 million in paid losses) inside the special flood hazard areas than there are
outside these areas (443 policies with 9 claims totaling $1.8 million in paid losses).
• 2.1% of policies within the SFHA experienced a loss with claims averaging $24,000 each
• 1.5% of policies outside SFHA experienced a loss with claims averaging $198,000 each
• The vast majority of all policies in the City are for condos, of which only 1.8% of the policies claimed
a loss.
• Of the 155 non-residential policies, which only make up 1.2% of all policies in the City, 58% claimed
a loss. Totaling $3.7 million, paid claims for the few non-residential policies were virtually equal to the
claim totals paid out for all of the residential claims combined.
o However, five non-residential buildings with repetitive loss histories have recently been
mitigated (all of which sustained their most recent loss during the December 2019 rain event).
o Only three commercial properties and two other non-residential properties remain on the
repetitive loss list
• Considering the size of the City and total number of policies, there are relatively few flood insurance
claims that have been made over the years. The City in general is not as prone to flooding as many X
other communities in south Florida. w
The committee noted that the intensity of flood insurance claims does not tell the complete story of damage
resulting from flooding. Because not all properties carry flood insurance, no doubt there is damage that is
sustained by properties that are not quantified in the NFIP record.
Identification of Target Areas
The committee identified the same target areas as were previously identified in this PPI report.
Target Area#1: Properties within the Repetitive Loss Areas.
Target Area#2: Special Flood Hazard Areas.
Target Area#3: Waterfront Properties on 188th Street (Echo Aventura Area).
Target Area#4: Aventura Town Center Area.
Additionally, due to the low number of policies outside the special flood hazard area, the committee
added "Properties in Low Risk Flood Zones" as an area that should be targeted with messaging about
the importance of insuring buildings in these low risk flood zones. It was determined that residents in
these areas could benefit from information about the local flood hazards that exist in all flood zones,
even low risk flood zones, particularly those posed by extreme rainfall events.
Target Area#5: Low risk flood zones (X-Zones)
Program for Public Information Page 11 of 18 September 2024
Identification of Target Audiences
The committee identified the same target audiences for flood insurance promotion as were previously
identified in this PPI report.
Target audience#1: Real Estate Agencies.
Target audience#2: Insurance Agencies.
Target audience#3: Local Bank Managers.
Target Audience#4: Condominium and Homeowner Associations.
Target audience#5: Chamber of Commerce Members.
Target audience#6: Community Expo Attendees.
Target audience#7: Local Builders'Association Members.
Table 5 below provides a summary of the number of buildings in the respective flood zones in the City of
Aventura:
Table 5: Buildings in flood zones
Number of
Flood Zone Buildings
AE 1,429 _
X 54 Q
Narrative Summary
The committee was in agreement that the promotion of flood insurance is a very important message for
the Aventura community and that it needs to be prioritized. Furthermore, it needs to be addressed to all X
residents and businesses in the community. The committee was reminded that there is a sense in which w
"everyone lives in a flood zone." The following assessments were made by the committee members.
• Repetitive loss areas are typically particularly vulnerable to flooding; targeted outreach to these
areas is recommended.
• The target areas and audiences that were already identified in the PPI are recommended as target
areas and audiences under flood insurance promotion efforts.
• Properties outside the special flood hazard area were also identified for targeted messaging to
promote flood insurance coverage.
• An increase in both building coverage and property content coverage is recommended.
• It was noted that, due to their unique vulnerability as well as the economic importance of local
businesses, owners of commercial properties should also be encouraged to carry flood insurance.
Outcomes of flood insurance promotion efforts should include the following:
• Increasing the number of buildings insured throughout the community, and especially within
the target areas
• Increasing the number of properties with contents coverage
• Increasing the number of properties with flood insurance located outside the SFHA.
Program for Public Information Page 12 of 18 September 2024
Coverage Improvement Plan (CIP):
Projects Designed to Increase Flood Insurance Participation
Numerous projects have already been identified in the previous sections of this PPI document, including
Table 1. These and additional projects are listed in Table 6; among the topics covered and messages
proposed, the promotion of flood insurance is paramount. There are informative brochures in local
insurance agency offices, and there are incentives at these offices designed to promote flood insurance.
Additionally, this community receives FloodSmart commercials on television. Following are a few of the
projects that should be prioritized:
1. Letter from Mayor/City Commission: One key component of the coverage improvement plan is
the letter from the Mayor/City Commission, or other elected official(s), to all properties in the City
encouraging residents and businesses to consider purchase of flood insurance.
2. Outreach to Target Audiences and property owners in Target Areas: The committee determined
that perhaps the ones who need the message of flood insurance promotion most are the ones
identified during the PPI and CIP planning process. These will be recipients of several targeted
outreach projects.
3. Social media postings: Because the City of Aventura has developed effective social media
capabilities, this will be implemented to get the flood insurance promotion message out.
Technical Assistance
The City is committed to providing technical assistance pertaining to advising people who have questions
about flood insurance. This new service is advertised to the entire community in the Flood Hazard Brochure. },
Adoption
This document will become effective when it is adopted by the Aventura City Commission. Adoption is
anticipated in October 2024. X
w
Program for Public Information Page 13 of 18 September 2024
Table 6: PPI/Flood Insurance Promotion Projects and Initiatives
Outreach Projects (OP)
Outreach Target Message(s) Outcome
Project Audience (See Table 2) See Table 2) Project Assignment Schedule Stakeholder
Number
OP#1 1-10 1-10 City Flood Hazard Brochure CRS Coordinator Annually in May
OP#2 1-10 1-10 Handouts and brochures CRS Coordinator Year-round FEMA
available at various locations
Presentations at City Communications
OP#3 1-4 1-4 As needed
Commission meeting Manager
Facebook,X, Instagram,
OP#4 1 - 10 1 - 10 NextDoor, Linkedln and Communications Year-round
YouTube postings of flood Manager
information
Flood insurance promotion
OP#5 2 2 letter from with flood flyer CRS Coordinator May
enclosed (370)
Public service information Communications
OP#6 1 - 10 1 - 10 and announcements on City Manager Year-round
Government Access Channel
OP#7 1 - 10 1 - 10 Print Newsletters Communications Monthly
Manager
OP#8 1 -6 1 -6 Emailed newsletter Communications Year-round
Manager
OP#9 1-10 1-10 Message from the Mayor at CRS Coordinator& Annually
"Condo Connect" event Mayor
OP#10 All properties 1-10 1-10 Message from the Mayor at CRS Coordinator& Annually
in the City "State of the City" Mayor
Messages from"Community A
OP#11 1-10 1-10 Ambassadors"at various CRS Coordinator Year-round Community
community meetings and Ambassadors
events
Advisements against
OP#12 6 6 clogging storm drains and Communications Year-round
polluting drainage system Manager
(MS4 activities)
South Florida
OP#13 1, 6 1, 6 Handouts on water flow and South Florida Water Available year- Water
stormwater management Management District round Management
District
As needed for
OP#14 3, 4, 8- 10 3, 4, 8- 10 CodeRed Communications emergencies
notifications to subscribers Manager and specific
flood events
As needed for
OP#15 3, 4, 8- 10 3, 4, 8- 10 Information Kiosks (IKEs Communications emergencies
throughout City) Manager and specific
flood events
Various TV shows on Miami- May- Miami-Dade
OP#16 1 - 10 1 - 10 Dade County Emergency Miami-Dade County November County
Management TV channel
Program for Public Information Page 14 of 18 September 2024
Table 6: PPI/Flood Insurance Promotion Projects and Initiatives
Outreach Projects (OP)
Outreach Target Message(s) Outcome
Project Audience (See Table 2) See Table 2) Project Assignment Schedule Stakeholder
Number
Hurricane Preparedness Local TV
OP#17 3, 4, 8- 10 3, 4, 8- 10 Guides Published by Local Local TV Channels Annually in May Channels
TV Channels
Hurricane Preparedness
Guide published by Sun Sun Sentinel
OP#18 3, 4, 8- 10 3, 4, 8- 10 Sentinel and Miami-Herald Newspaper staff Annually in May and Miami-
Newspapers Herald
Regional
network TV,
OP#19 3, 4, 8- 10 3, 4, 8- 10 Coverage before,during and Regional network TV May-November radio stations,
after hurricanes and radio stations and The
Weather
Channel
Property Protection
OP#20 1, 4-5 1, 4-5 Advice/Site Visits (Activity CRS Coordinator Year-round
360)
OP#21 1 - 10 1 - 10 Public Library (Activity 350) CRS Coordinator Year-round FEMA
OP#22 1,6 1,6 Map
inquiry service (Activity CRS Coordinator Year-round
320)
City website flood and Communications
OP#23 1 - 10 1 - 10 preparedness information Manager Year-round 2-0
(Activity 350)
Hurricane preparedness Florida Power and Florida Power
OP#24 1 - 10 1 - 10 pamphlet included with Light May and Light
monthly bill X
OP#25 1-10 1-10 Hurricane preparedness Publix May Publix
guide available at stores
Presentation to Homeowner Federation of
OP#26 1-10 1-10 Associations CRS Coordinator September Homeowner
Associations
OP#27 1-10 1-10 Presentations at Chamber of CRS Coordinator Twice per year Chamber of
Commerce Meetings Commerce
OP#28 1-10 1-10 City videos on AvTV Communications September
Manager
Professional associations,
OP#29 1-10 1-10 including property Committee Varies Professional
management, real estate and stakeholders associations
banking
May—general
outreach;
OP#30 Repetitive 1 - 10 1 - 10 Flood awareness information CRS Coordinator followed by FEMA
Loss Areas including flood insurance flood insurance
promotion
outreach
OP#31 Special Flood Electronic and mailed
Hazard Area 1 - 10 1 - 10 distribution of flood CRS Coordinator July FEMA
awareness material
Program for Public Information Page 15 of 18 September 2024
Table 6: PPI/Flood Insurance Promotion Projects and Initiatives
Outreach Projects (OP)
Outreach Target Message(s) Outcome
Project Audience (See Table 2) See Table 2) Project Assignment Schedule Stakeholder
Number
OP#32 Waterfront
properties Electronic and mailed flood
along 188th 1-10 1-10 mitigation materials CRS Coordinator Summer FEMA
Street
OP#33 Commercial
Properties in Electronic and mailed flood
Aventura 1-10 1-10 mitigation materials CRS Coordinator Summer FEMA
Town Center
Area
OP#34 Real estate 1-10 1-10 Flood awareness information CRS Coordinator May FEMA
agencies mailing and/or emailing
OP#35 Insurance 1-10 1-10 Flood awareness information CRS Coordinator May FEMA
agencies mailing and/or emailing
OP#36 Local Bank Flood awareness information
Branch 1-10 1-10 mailing and/or emailing CRS Coordinator May FEMA
Managers
OP#37 Homeowner Flood awareness information At least
and Condo 1-10 1-10 CRS Coordinator FEMA
Associations mailing and/or emailing annually
OP#38 Community Presentation and handout Communications
Expo 1-10 1-10 distribution at Community Manager Annually
Attendees Expo
OP#39 Chamber of Flood awareness information
Commerce 1-10 1-10 mailing and/or emailing CRS Coordinator May FEMA
Members X
OP#40 Flood awareness information LJJ
Residents in including information on At least
low risk flood 1,2 1,2 hazards and insurance CRS Coordinator annually FEMA
zones promotion by mailing and/or
electronic distribution
OP#41 Builders' Flood awareness information At least
Association 1-10 1-10 mailing and/or emailing CRS Coordinator annually FEMA
Members
Program for Public Information Page 16 of 18 September 2024
Table 7: Flood Response Preparations
FRP Target Message(s) Outcome
Number Audience (See Table (See Project Assignment Schedule Stakeholder
2) Table 2)
FRP#1 N/A 1-4; 7-9 1-4; 7-9 Facebook PSAs Communications BeforeManager the storm N/A
FRP#2 N/A 1-4; 7-9 1-4; 7-9 Twitter PSAs Communications BeforeManager the storm N/A
FRP#3 N/A 1-4; 7-9 1-4; 7-9 Email PSAs Communications BeforeManager the storm N/A
FRP#4 N/A 1-4; 7-9 1-4; 7-9 Brochure Communications Before N/A
handouts Manager the storm
FRP#5 N/A 1-4; 7-9 1-4; 7-9 TV/Radio PSAs Communications BeforeManager the storm N/A
FRP#6 N/A 1-4; 7-9 1-4; 7-9 Reverse 911 Communications Before N/A
messages Manager the storm
Newspaper Communications Before �=
FRP#7 N/A 1-4; 7-9 1-4; 7-9 N/A
PSAs Manager the storm
FRP#8 N/A 1-4; 7-9 1-4; 7-9 EOC Communications Before N/A X
communications Manager the storm W
During
FRP#9 N/A 1-4; 7-9 1-4; 7-9 Facebook PSAs Communications Manager the storm N/A
During
FRP#10 N/A 1-4; 7-9 1-4; 7-9 Twitter PSAs Communications Manager the storm N/A
FRP#11 N/A 1-4; 7-9 1-4; 7-9 Email PSAs Communications DuringManager the storm N/A
FRP#12 N/A 1-4; 7-9 1-4; 7-9 Brochure Communications During N/A
handouts Manager the storm
FRP#13 N/A 1-4; 7-9 1-4; 7-9 TV/Radio PSAs Communications During N/A
Manager the storm
FRP#14 N/A 1-4; 7-9 1-4; 7-9 Reverse 911 Communications During N/A
messages Manager the storm
Program for Public Information Page 17 of 18 September 2024
FRP Target Message(s) Outcome
Number Audience (See Table (See Project Assignment Schedule Stakeholder
2) Table 2)
FRP#15 N/A 1-4; 7-9 1-4; 7-9 Newspaper Communications During N/A
PSAs Manager the storm
FRP#16 N/A 1-4; 7-9 1-4; 7-9 EOC Communications During N/A
communications Manager the storm
FRP#17 N/A 1-4; 7-9 1-4; 7-9 Facebook PSAs Communications After theManager storm N/A
FRP#18 N/A 1-4; 7-9 1-4; 7-9 Twitter PSAs Communications After theManager storm N/A
FRP#19 N/A 1-4; 7-9 1-4; 7-9 Email PSAs Communications After theManager storm N/A
FRP#20 N/A 1-4; 7-9 1-4; 7-9 Brochure Communications After the N/A
handouts Manager storm _
FRP#21 N/A 1-4; 7-9 1-4; 7-9 TV/Radio PSAs Communications After theManager storm N/A �--+
Reverse 911 Communications After the N/A !—
FRP#22 N/A 1-4; 7-9 1-4; 7-9 messages Manager storm x
w
FRP#23 N/A 1-4; 7-9 1-4; 7-9 Newspaper Communications After the N/A
PSAs Manager storm
FRP#24 N/A 1-4; 7-9 1-4; 7-9 EOC Communications After the N/A
communications Manager storm
Public Address Communications After the
FRP#25 N/A 1-4; 7-9 1-4; 7-9 System Manager storm N/A
Program for Public Information Page 18 of 18 September 2024