Growing Returns

Five reasons why mandatory flood disclosure in Florida would be a big win for realtors

By: Rachel Rhode, Manager, Climate Resilient Coasts and Watersheds and Eve Cooke, Fellow, Climate Resilient Coasts and Watersheds

Buying a home is often one of the biggest financial decisions individuals and families will ever make. More than one-third of Florida properties are at risk of severe flooding in the next 30 years, and despite these risks, Florida does not require flood-related disclosures to prospective homebuyers. Across the U.S., 32 states have enacted flood disclosure laws, requiring a seller to share a property’s flood risks or past flood damages during real estate transactions. Florida residents deserve transparency through flood disclosure, and realtors would benefit by keeping up with this growing industry standard.   

Knowing one’s risk is essential in ensuring effective preparedness and response. The Federal Emergency Management Agency estimates just one inch of flooding in a typical 2,500 sq. ft., one-story home can cause more than $25,000 in damages. It is widely misunderstood by more than one-third of homeowners that flood damage is typically not included in standard homeowners or rental insurance policies. 

Legislators and realtors are stepping up to address this gap in Florida’s flood policies. In the 2024 Florida Legislative Session, there has been bipartisan support for a new policy on flood disclosure. The Florida Realtor Association is amongst the stakeholders supporting this initiative. 

Knowledge is power.  Below are the top five reasons why mandatory flood disclosures are a win for realtors and residents. 

Credit: Chase Guttman

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Our Nation’s wetlands are at risk. So is our ability to manage flooding.

Following the Sackett v. EPA Supreme Court decision in May 2023, millions of acres of wetlands across the U.S. lost critical federal protections they once had under the Clean Water Act. The affected wetlands – which include those that do not have a continuous surface water connection to another federally protected body of water, like streams, lakes or an ocean – are now potentially at risk of loss and degradation. Also at risk could be the multitude of benefits provided by wetlands, which support clean drinking water, habitat for fish and wildlife, human health and well-being, contribute to economic activity and reduce damages from flooding. 

Photo credit: Sara Cottle

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Advancing North Carolina’s Flood Resiliency Blueprint to combat growing storm risks

Over the past five years, North Carolina communities have endured storm after storm. From the estimated $16 billion of damage caused by the powerful forces of Hurricane Florence to excessive rainfall that engulfed mountain towns during Tropical Storm Fred to the lasting impacts from various unnamed storms, we’ve seen firsthand how flooding disasters are changing North Carolina and its communities.  

Now, more than ever, new approaches are required to address the increasing rate and severity of extreme rain events in North Carolina to safeguard communities, ecosystems and local economies. One way to reduce these risks is to build flood resilience across the state, an effort that has proven to save $6 for every $1 spent pre-disaster 

North Carolina’s Department of Environmental Quality (DEQ) is developing the state’s first-ever Flood Resiliency Blueprint in collaboration with numerous stakeholders, including Environmental Defense Fund (EDF), conservation partners, agricultural organizations, business representatives and local governments. And we are thrilled to celebrate the release of DEQ’s draft plan, which was presented to the General Assembly on January 23.  

At the Joint Legislative Commission on Government Operations Hurricane Response and Recovery subcommittee, DEQ Secretary Elizabeth Biser envisioned that “five years from now, other states will be looking to North Carolina because our process lets communities get back to day to day living quicker after storm events.” The Blueprint is a big step forward, resulting in a massive statewide effort dedicated to building resilient communities equipped to reduce and manage flood risk and vulnerabilities. 

Photo credit: Gene Gallin

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Sharing innovative solutions to build climate resilience in Cuban coastal communities

The sun beats hot past colonial facades and newly minted hotels in Old Havana, onto the children playing soccer across Paseo del Prado. High tides splash over the tidal wall and the taxi driver notes, over the noise of the street, that dark storm clouds line the horizon and are threatening heavy rains. Like other coastal and island regions, communities in Cuba are experiencing the disproportionate effects of climate change.   

Since 2016, Environmental Defense Fund, the Antonio Núñez Jiménez Foundation for Nature and Humankind and the Caribbean Agroecology Institute have partnered with local communities and organizations from Cuba as a part of the Research Initiative for the Sustainable Development of Cuba (RISDoC). RISDoC is a coalition of academics, civil society associations and representatives from international agencies who have come together to exchange innovative strategies and share lessons learned to prepare for climate impacts and spur sustainable economic growth. In addition to bringing together a range of Cuban community members, government officials and researchers, RISDoC connects experts from other regions with Cuba. This includes partners in Puerto Rico and Louisiana, regions that are experiencing more frequent and severe storms due to climate change and are working to build resilience.  

Thanks to this important initiative, RISDoC participants are building a more resilient future in Cuba. Check out a few of their key priorities: 

Photo credit: Noel López

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The way we respond to natural disasters is about to change

Vulnerable communities facing increased risk from flooding, hurricanes, wildfires, and other extreme weather could soon receive a big lifeline thanks to the introduction of the National Coordination on Adaptation and Resilience for Security (NCARS) Act. If passed, this bipartisan legislation would create a unified national strategy for disaster planning. This proactive approach would consolidate government disaster planning efforts to promote efficiency and improve American resilience. 

Extreme weather is taking a greater toll on the United States than ever before. Climate-fueled disasters from Maui to Miami to Maine are accelerating across the country, threatening human health, critical infrastructure, property and the environment.  

flooding from hurricane

U.S. billion-dollar disasters over the last five years cost taxpayers nearly $600 billion, and in 2022 alone total damages reached a devastating $165 billion. For coastal communities in the U.S., flooding caused by sea level rise, hurricanes and heavy rainfall is the new normal while regions west of the Mississippi River have come to expect extreme heat, prolonged droughts and water supply shortages punctuated by heavy deluges of precipitation. 

Our current approach to federal disaster preparedness is woefully inadequate given the ever-increasing toll of climate disasters. The federal government currently has a siloed approach to disaster preparedness, with funds spread across at least 17 different federal agencies with no coordinated plan to optimize risk-reduction spending. The federal government instead operates through a piecemeal resilience strategy, even as many states (like Florida, Louisiana and South Carolina) have led the way by successfully initiating statewide resiliency plans implemented by their Chief Resilience Officers.

The current approach to natural disasters is not meeting the needs of communities. Instead, leaders at all levels of government need to take a holistic, all-hands-on-deck approach to build lasting resilience. 

The bipartisan NCARS Act, introduced by Senators Chris Coons (D-DE) and Lisa Murkowski (R-AK) and Representatives María Elvira Salazar (R-FL) and Scott Peters (D-CA), is poised to make a big impact. The legislation will drive efficient, equitable resilience by minimizing redundancies across agencies and supporting community adaptation efforts by: 

  • Establishing a Chief Resilience Officer in the White House 
  • Producing a National Adaptation and Resilience Strategy and Implementation Plan with federal agencies, state, local, Tribal, and territorial governmental and private sector organizations, and academics as partners  
  • Establishing interagency working groups and a non-federal partners council to increase coordination among involved entities 

This new approach to governing disasters will not only save the government money on future disaster spending but will also support communities and families across America working to protect their own safety, livelihoods and futures.

With more intense extreme weather events happening more frequently, we desperately need to improve and streamline the way our government invests in natural disaster preparedness and a more resilient future. The bipartisan NCARS Act is a truly crucial step toward that essential goal. 

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North Carolina’s coastal wetlands and marshlands are a critical lifeforce for hunters and anglers

This op-ed was originally published in The Coastland Times. 

Last week as Hurricane Lee tracked northward through the Atlantic, North Carolina’s coastal areas saw coastal flooding and beach erosion from storm surge and powerful 17-foot waves. At Cape Hatteras, the storm’s erosion uncovered a buried fence from the 1800s. Elsewhere, roads and neighborhoods experienced flooding. Those effects were felt despite Lee being more than 300 miles off our coast. We were fortunate the monster storm didn’t come any closer to our shores. These tropical systems, along with Nor’easters and other more frequent storm events take a toll on residents, business owners, and our state’s natural resources, including important fish and wildlife habitat.

As we mark National Hunting and Fishing Day, it’s worth taking stock of how increasingly intense and more frequent severe weather events are impacting our marshlands, wetlands, and sounds, which in turn directly – and adversely – affects our coastal communities and our hunting, fishing and outdoor recreational history and traditions. Read More »

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Transformational climate adaptation puts communities at the center. This project shows us how.

From record-setting rain in New York City to overflowing rivers in Vermont to another hurricane slamming into Florida’s coast – this year alone, we’ve seen historic neighborhoods, communities, local businesses and homes devastated by severe weather events that are becoming more intense and frequent due to climate change. Now more than ever, we need to invest in climate resilience to prepare our communities. 

Building resilience isn’t easy, but it’s possible – and the Ohio Creek Watershed project in the City of Norfolk, Virginia is a prime example. Earlier this year, city officials and community members celebrated the completion of a $112 million watershed resilience project that shows transformational climate action is possible when community members have a seat at the decision-making table.  Read More »

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On this International Day for Disaster Risk Reduction, protecting the Nation’s wetlands is more important and urgent than ever

By: Ivy Steinberg McElroy, EDF’s Climate Resilient Coasts & Watersheds Intern

The International Day for Disaster Risk Reduction was established by the United Nations General Assembly to accelerate action to strengthen disaster resilience. In the United States, this day comes on the heels of a major blow to our Nation’s wetlands. Earlier this year, the U.S. Supreme Court ruled in Sackett v. Environmental Protection Agency (EPA) to narrow the scope of protections for wetlands, as defined in the Clean Water Act. As result, this landmark decision could cause detrimental impacts to the environment, communities and economy. That means more flooding – especially for more vulnerable communities downstream.  Read More »

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4 opportunities for Virginia’s General Assembly to build statewide flood resilience

In recent years, flash floods have decimated homes, businesses and communities in southwest Virginia and families are still recovering and rebuilding from the damage. Research shows that investing in flood resilience saves at least $6 for every $1 spent pre-disaster, which is why it’s so important to start planning for climate impacts now. 

While many localities are taking steps to plan for current and future climate impacts, many lower-resourced, small or rural communities need additional support from statewide planning initiatives, funding programs and technical assistance to address their flood risk. Virginia leaders must continue to build flood resilience through four big initiatives. 

Beach

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Will adding more sand to Florida’s beaches save them? Experts share why this isn’t enough.

White blankets of sand, bright blue water and palm trees swaying with the breeze – it’s the picturesque landscape that comes to mind when you think of Florida’s beaches. But this stunning scenery comes at a cost with the need to regularly artificially replenish eroding shorelines, a process also known as beach nourishment. 

Over the last 87 years, Florida has spent at least $1.9 billion on beach nourishment, and state and local governments pay $30 to $50 million per year to maintain their coastlines. While this may mean beautiful beaches, taxpayers should question if beach nourishment alone is the best investment for Florida in the long-term.  

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