We, the undersigned residents and interested parties of Sunny Shores, respectfully petition for a review of the current application of FEMA’s 50% rule.  While we recognize the importance of safety and resilience in floodplain management, we believe that strict enforcement of this rule places undue financial and emotional burdens on our community, particularly in the wake of the recent hurricanes. We urge state leaders to consider exceptions or adjustments to repair and restore our homes in a way that is both economically feasible and sustainable:

Why a Review is Necessary:

1.      Economic Burden on Homeowners:

Requiring substantial modifications to meet current flood standards when repair costs reach 50% of a property’s structure value can create significant financial hardship for homeowners. Manuy residents in Sunny Shores, particularly those on fixed incomes, simply cannot afford the high costs of full compliance. This can force families to abandon homes they’ve lived in for many years, disrupting the fabric of our community.   

2.      Precedent for Exceptions:

In past hurricane recoveries, Florida communities have been allowed flexibility in enforcing this 50% rule, helping residents rebuild quickly and affordably. We believe similar considerations should be given to Sunny Shores, allowing our community to restore homes without unnecessary financial strain.

3.      Expedited Recovery: 

Exceptions for the 50% rule would enable our community to recover more rapidly from storm-related damage. Allowing repairs without extensive modifications can speed up the rebuilding process, reduce displacement, and help stabilize property values. 

4.      Community Stability and Livelihood:

Our community is strong when its residents are supported in their ability to stay and rebuild. By allowing exceptions to the 50% rule, Sunny Shores can maintain its local identity, support its economy, and ensure that long-time residents are not forced out due to unaffordable mandates. 

Our Request:

We respectfully request that state and local officials work with FEMA to review the 50% rule as it applies to Sunny Shores. Specifically, we ask for flexibility or special consideration in cases 

where strict enforcement of this rule would impose severe economic hardship, especially for properties with significant historic and/or sentimental value. Such exceptions would allow us to protect our community’s character and give residents the opportunity to rebuild affordably.

We, the undersigned, urge you to support a review of the FEMA 50% rule for Sunny Shores and to work toward a fair and compassionate approach to floodplain management in our community.