10/25/2024
POST-HURRICANE PERMITTING UPDATE
I know many residents are extremely frustrated right now because the City is not issuing permits. So I just want to address these frustrations and explain what is happening and why.
Before any permits are issued to repair damage done by the Hurricanes, we must conduct a Substantial Damage Determination to comply with FEMA rules.
We are not alone in this process. Madeira Beach, St. Pete Beach, and the other barrier islands are following the same rules. Pinellas County is coordinating the teams that are coming in to do the Substantial Damage Assessments for all the beaches. Yesterday, I spoke with the Mayor of Sanibel to discuss what they did after Hurricane Ian. They also followed these rules and actually issued a moratorium on permits for over a month after the storm while these assessments were being conducted.
These assessments are already being conducted by our city building officials, but we have limited staff and can only conduct a limited amount each day. That’s why we need the reinforcements from the County. They will be starting VERY soon. Help is on the way.
It is critical that you submit your permits as soon as possible so that we can issue your permit as soon as the Substantial Damage Assessment is completed. Those who have permits already submitted will have their assessments done first.
Many are asking why we have to follow these rules. The answer to that is simple… if we don’t follow these rules, Treasure Island would be excluded from the National Flood Insurance Program (NFIP) and would not receive any sort of FEMA assistance. Your City Commission could certainly decide to opt out of all this and leave FEMA. Or if we don’t follow the rules carefully, we could also be audited by FEMA after the storm and then have it all taken away.
What would that mean for us? After a natural disaster like this, local governments get reimbursed by FEMA for storm recovery efforts. If we didn’t follow these rules, we wouldn’t get reimbursed for the debris removal, the sand removal, the comfort stations, etc. The residents also wouldn’t receive any assistance from FEMA. Everyone would be ineligible for the FEMA Disaster Assistance programs. These are big ramifications that would cost the City and residents millions. It would also mean that our residents wouldn’t be able to get flood insurance through NFIP. As most of you are aware, flood insurance is required by mortgage companies. So if we didn’t have access to NFIP, even more people would be forced out of their homes. That is not what we want.
The attached info from the County outlines a few real life examples of other communities that have and have not complied with the FEMA rules and what happened in those communities.
There is a reason that we are doing this. I know it is painstaking to wait for this process. I sincerely wish that we could make this go faster and help our residents get back in their homes quickly.
Treasure Island is actually in a more flexible position than many of our neighboring cities when it comes to the FEMA 50% rule. While we all have to follow this process for Substantial Damage, each city gets to set their own “look back period”. Treasure Island does not have a look back period. St. Pete Beach has a 5 year look back period and Madeira Beach has a 1 year look back period. That means if any of their residents have completed renovations to their homes in the last 5 years (SPB) or 1 year (MB), the cost of those renovations is deducted from the amount they can now spend to repair their homes. That doesn’t apply to us in Treasure Island because your City Commission has opted to keep the look back period at 0 years.
I’m attaching some guidance and resources here from the City and the County that explain this process.
Pinellas County has some great questions and answers on their website: https://pinellas.gov/substantial-damage-substantial-improvement/
Link to Full Memo from Pinellas County: https://stpetebeach.org/DocumentCenter/View/4647/Memo_Substantial-Damage-Assessment-Process_20241022