Rugged FL Individualists Ignored FEMA Rebuilding Rules, Prompting Withdrawal Of Insurance Discounts [View all]

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This ongoing effort is a direct threat to the boom of cheap coastal development that has fueled the Sunshine State’s breakneck growth. Florida accounts for a huge share of the nation’s total risk from hurricanes and floods: It has more than $2 trillion in residential property, almost all of which is vulnerable to extreme winds or flooding, and it accounts for more than a third of all policies in the federal government’s public National Flood Insurance Program. FEMA is now raising premiums in that flood insurance program by around 18 percent per year in parts of the state — based on a formula developed during Trump’s first term — and it’s also penalizing Floridians who rebuild their homes in dangerous areas.

In conservative Lee County, which lost more than 5,000 homes to Hurricane Ian in 2022, a backlash has reached a fever pitch. Last spring, FEMA accused the county and several of its cities, including Fort Myers Beach, of disregarding federal rules that require homeowners to elevate their homes when rebuilding after floods, which can cost tens of thousands of dollars per home but lowers the amount that taxpayers will have to pay for future disaster relief in the area. Lee County towns allowed hundreds of homeowners to rebuild at ground level after Ian, according to FEMA, and in response the agency moved to take away their flood insurance discounts, which could raise average insurance costs by hundreds of dollars per year. County leaders accused the federal government of “revenge politics” and threatened to sue.

As Trump takes office, he and his FEMA director will have to choose how to approach these kinds of conflicts, which are brewing in every place where the real estate market is premised on government-subsidized disaster relief. Trump could let the agency stay the course, which would save the federal government money on future disaster relief but place financial burdens on some of his most stalwart supporters. Or he could let Floridians off the hook, forgiving the dangerous redevelopment and siding with Republican state officials who want insurance relief.

The president-elect has tried to politicize the disaster relief process in the past. During his first administration, he diverted FEMA funding to beef up immigration enforcement at the southern border; last month, an outgoing agency official said that he feared Trump would do so again on a larger scale in his second term. Trump also vowed earlier this year to deny wildfire relief money to California unless the drought-prone state delivers more irrigation water to farmers. But Trump’s first administration also tried to fix long-standing issues that were driving the National Flood Insurance Program into insolvency by designing the very premium hikes that now draw so much ire from Florida Republicans. As of now, there’s little evidence about his intentions for his second term. The two members of congress who he’s reportedly considered to lead FEMA, Republican Garret Graves of Louisiana and Democrat Jared Moskowitz of Florida (who denies he’s interested in the job), are deeply engaged on disaster relief issues and currently represent constituencies who benefit heavily from subsidized disaster relief and flood insurance. Graves has blasted FEMA’s efforts to raise insurance premiums.

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https://grist.org/politics/trump-fema-florida-flood-insurance/