HomeMy WebLinkAboutResolution_27-25_12/11/2025 RESOLUTION 27-25
A RESOLUTION OF THE VILLAGE COUNCIL OF THE VILLAGE OF TEQUESTA,
FLORIDA, APPROVING AND ADOPTING THE 2025 REVISED PROGRAM FOR
PUBLIC INFORMATION PLAN.
WHEREAS, the goals of the Federal Emergency Management Agency's (FEMA) National
Flood Insurance Program (NFIP) are to provide flood insurance to property owners, to
encourage flood loss reduction activities by communities, and to save taxpayers money;
and
WHEREAS, the Village of Tequesta participates in the NFIP and the Community Rating
System (CRS), a voluntary program that provides both incentives and tools to further
these goals; and
WHEREAS, participation in the CRS saves residents money by reducing flood insurance
premiums; and
WHEREAS, the Program for Public Information (PPI) provides activity points to improve
the Village's CRS score, which in turn helps to reduce flood insurance premiums; and
WHEREAS, membership criteria for a PPI Committee must include.. real estate agent(s),
insurance agent(s), banking industry representative(s), and at least half of the
Committee's members must be from outside the local government; and
WHEREAS, a Program for Public Information was initially implemented and adopted by
the Village of Tequesta on May 8, 2014; and
WHEREAS, each CRS participating community must update its Program for Public
Information every five years; and
WHEREAS, a 2025 revised Program for Public Information plan has been developed by
the PPI Committee according to a seven-step planning and public involvement process
defined by the Community Rating System Program;
NOW, THEREFORE, BE IT RESOLVED BY THE VILLAGE COUNCIL OF THE
VILLAGE OF TEQUESTA, FLORIDA, that the Village Council accepts the National Flood
Insurance Program Community Rating System Program for Public Information Five-Year
Updated Plan, by the Village of Tequesta, attached hereto.
RESOLUTION DATE
27-25 12/11/25
MOTION Council Member Jayson E. French SECOND Vice-Mayor Rick Sartory
FOR AGAINST ABSENT CONFLICT
Mayor Molly Young ❑ ❑
Vice-Mayor Rick Sartory ❑ ❑
Council Member Laurie Brandon ✓❑ ❑ ❑ ❑
Council Member Patrick Painter ❑✓ ❑ ❑
Council Member Jayson E. French ❑✓ ❑ ❑ ❑
The Mayor thereupon declared the Resolution duly passed and adopted.
MAYOR OF TEQUESTA:
`\\\\\\\\\\\\\L\1111111111IIIIIII"/11"1
pF....
Molly You
Q-•VO pOR
>'•.IN OR sikL
A EII g
ATTEST: °�., 9'...NUE 4,F....•
Lori McWilliams, MMC
Village Clerk
Exhibit A
VILLAGE OF TEQUESTA
Program for Public Information (PPI)
2025 Update
DEVELOPED FOR THE NATIONAL FLOOD
INSURANCE PROGRAM ( NFIP)
COMMUNITY RATING SYSTEM (CRS)
Contents
BACKGROUND...............................................................................................................................3
PROGRAM FOR PUBLIC INFORMATION (PPI) SEVEN-STEP PROCESS.............................................4
1. Program for Public Information Committee......................................................................5
2. Assessment of the Community's Public Information Needs..............................................6
Identifying Target Audiences.................................................................................................6
AssessCurrent Outreach Efforts: ..........................................................................................9
3. Formulation of PPI Messages/Annual Outreach Projects................................................10
4. Identify Outreach Projects to Convey the PPI Messages.................................................12
Projects and initiatives & project list...................................................................................13
Flood response preparations (FRP) .....................................................................................20
5. Examine Other Public Information Initiatives..................................................................22
Activity 310 (Elevation Certificates) ....................................................................................22
Activity 320 (Map Information Services) .............................................................................23
Activity 340 (Hazard Disclosure)..........................................................................................23
Activity 350 (Flood Protection Information)........................................................................24
Activity 360 (Flood Protection Assistance)..........................................................................24
Activity 370 (Flood Insurance Promotion)...........................................................................24
Activity 540 (Drainage System Maintenance)......................................................................25
Activity 610 (Flood Warning and Response)........................................................................26
Publicity recommendations: ...............................................................................................26
6. Prepare and Adopt the Program for Public Information and Coverage improvement Plan
Document ...............................................................................................................................28
7. Implement, Monitor, and Evaluate the Program.............................................................28
FLOOD INSURANCE PROMOTION................................................................................................29
Flood insurance coverage assessment................................................................................29
COVERAGE IMPROVEMENT PLAN ...............................................................................................30
Identification of target areas and target audiences ............................................................31
Projects designed to increase flood insurance participation...............................................32
Narrativesummary .............................................................................................................33
Technicalassistance............................................................................................................33
ADOPTION...................................................................................................................................33
PPI 5-year Update 2025 Page 2
BACKGROUND
The Village of Tequesta (Tequesta) is an incorporated village in Palm Beach County. Tequesta is
located largely on the mainland but parts of Tequesta are located on Jupiter Island with small
sections both north and south of the unincorporated county-owned Coral Cove Park. The
Village of Tequesta was founded in the 1950s as a planned community centered on the
Tequesta Country Club and was incorporated in 1957. Tequesta is the northernmost
municipality in the Miami South-Florida metropolitan area. The population of Tequesta is 6,285
per the United States Census Bureau's 2024 estimates and has a total area of 2.2 square miles
of which 1.8 square miles is land and 0.5 square miles is water.
Tequesta is impacted by storm surge, and riverine and localized flooding in low lying areas. In
addition, Tequesta is subject to flood hazards associated with hurricanes,tropical storms, and
rainfall with high intensity and/or duration. The areas of Tequesta in high-risk flood zones
(Special Flood Hazard Areas, defined as 1%Annual Chance Flood Hazard on a FEMA Flood
Insurance Rate Map) are shown in the Figure below:
Village of Tequesta Special Flood Hazard Area
w
I
j
Pak,P..tach Cott}-wwricipai sw daries-village of Tequesta
USA Flood Hazard,Areas �r..waa.tisce rx�.:e.... ta.a±u�iavww .
a-a. �4w,, to a,.atswrarzmobaft,awn are Ci V".
0.2%Am"Chance Flood:Kward;
1%AAmw Chmee Ft od Hazard
PPI 5-year Update 2025 Page 3
The National Flood Insurance Program (NFIP) is a federal program established by Congress in
1968 which enables property owners to buy flood insurance at reasonable rates in participating
communities. In return, participating communities carry out flood management measures
designed to protect life and property from future flooding. The Community Rating System
(CRS) is a program implemented by the Federal Emergency Management Agency (FEMA) under
the NFIP to reward communities which undertake floodplain activities beyond the
requirements of the NFIP. The CRS is a point system program and the greater the number of
points earned by a community the greater the reduction in flood insurance premiums for the
residents and businesses of that community. Communities which participate in the CRS
program that also enact and adopt a Program for Public Information (PPI) obtain additional CRS
credit points. The Village of Tequesta qualified for the CRS program in 1992 and enacted and
adopted a PPI in 2014.
PROGRAM FOR PUBLIC INFORMATION (PPI) SEVEN-STEP PROCESS
The Program for Public Information was introduced by FEMA as a new planning tool to provide
a step-by-step coordinated approach to flood hazard outreach. Per FEMA, a PPI is a committee-
based localized approach to community outreach in an ongoing effort to prepare, implement,
and monitor a range of public flood hazard information activities that are designed to meet
local needs and which activities are evaluated and revised annually to improve their
effectiveness. Since adopting a Program for Public Information in 2014, Tequesta has expanded
its community outreach projects to include numerous items to disseminate flood information
using a variety of media. In addition, Tequesta benefits from the many outreach projects
conducted by Palm Beach County. Tequesta has prioritized the dissemination of flood
information to its residents and businesses and works to emphasize 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. In addition, Tequesta continues
active compliance with the U.S. Environmental Protection Agency's efforts to reduce pollution
caused by untreated stormwater runoff and participates in drainage system maintenance and
stormwater management projects.
There are seven steps to conducting a PPI under the 2025 CRS Manual, Section 330, Developing
a Program for Public Information, as follows:
PrepareStep I Step 2 Step 3 Step 4 Step S Step 6 Step 71qW
Establish a Assess
Formulate identify Examine
PPI public
messages outreach 1 other public the PPI monitor&
inf' document
programcommittee needs convey messaees
PPI 5-year Update 2025 Page 4
1. Program for Public Information Committee
The committee-based PPI is driven by research that has shown that the more often a message
is received from different sources,the more likely it is that the desired action or behavior will
take place. For this reason, the CRS encourages engagement of groups and people outside the
local government (i.e., stakeholders). These could be members of the public, representatives of
key community organizations, and/or agencies and organizations that will likely implement the
recommended outreach projects. The Village ofTequesta PPI Committee members serve as key
voices for shaping Tequesta's outreach and providing local knowledge on the best avenues of
reaching key sectors of the population. This volunteer opportunity elevates awareness and
builds resilience in a time of economic and ecological change.
FEMA requires a community's Program for Public Information to be updated every five years.
Accordingly, this 2025 Program for Public Information document has been updated to ensure
consistency with the current 2025 version of the CRS Coordinator's Manual. Tequesta's purpose
in developing this updated Program for Public Information plan is to improve communication
with the community on flood hazards, flood safety, flood insurance, stormwater management
and to continue to develop Tequesta's considerable outreach program to educate the
community on floodplain management, natural floodplain functions and to highlight the
importance of flood mitigation.
Tequesta's PPI includes active participation and coordination with Palm Beach County and input
from volunteers and community stakeholders. The Village of Tequesta PPI Committee is made
up of private and public stakeholders, including residents and representatives from real estate,
insurance and banking. Their unique perspectives and expertise help define target audiences,
messages, outreach methods and outcomes.
The PPI Committee is as follows:
TABLE 1. PROGRAM FOR PUBLIC INFORMATION - PPI COMMITTEE
/�5
Local Government Wayne Cameron, Building Director& Floodplain
Representative CFM Manager
Local Government Chief John Fire Chief& Emergency Management
Representative McLaughlin Officer
Local Government Diana Manali on Village Clerk& Public Information
Representative behalf of Lori Office
McWilliams
Local Government
Dennis Rick Utilities Department
Representative
PPI 5-year Update 2025 Page 5
Staff j Stakeholder Name Title,jRole(Industry .
Local Government Utilities, Water and Stormwater
Representative Marjorie Craig Director
Stakeholder Don Brady Acrisure Insurance
Stakeholder Jonathan Farley State Farm Insurance
Stakeholder William Lyons Real Estate Broker, The Keyes
Company
Environmental Advisory Committee;
Stakeholder Thomas Bradford Tequesta Pines Property Owners
Association.
Stakeholder Jennie McEldowney Sea Mist Homeowners Association
(Beach Rd.)
There are currently ten members of the Tequesta PPI Committee, which met twice during
2025. Village of Tequesta staff members Nara Cavalcanti and Silvina Donaldson, assisted with
administrative responsibilities and served as liaison with the Village Manager's office. Earl King
and Rebecca Fusco, from CRS Max Consultants, served as facilitators during the development of
the updated PPI plan.
Tequesta's PPI Committee met on September 121h and October 15t of 2025 to develop
Tequesta's 2025 PPI Update and will continue to meet annually to monitor and update the plan.
Every five years, the Village Council will adopt a fully updated PPI to ensure consistency with
the current CRS Coordinator's Manual.
2. Assessment of the Community's Public Information Needs
Tequesta's PPI Committee recognizes the importance of having extensive input and partners to
ensure appropriate target audiences are receiving the most appropriate flood hazard messages
at the right time. Each year, the Tequesta PPI Committee assesses Tequesta's flood problems,
evaluates who needs to be informed about flood related topics, and reviews the inventory of
projects that are already underway.
Identifying Target Audiences
Based on the types of flooding that Tequesta is impacted by, particularly flooding in low lying
areas, storm surge, and the Special Flood Hazard Area, the PPI Committee identified the
residents and businesses within these areas as target audiences to whom projects should be
directed. In addition to identifying these audiences based on their location, Tequesta's PPI
Committee identified additional groups of stakeholders that would also benefit from
information on flood related topics. Tequesta has a number of ongoing outreach efforts with
PPI 5-year Update 2025 Page 6
goals to increase flood hazard awareness and to motivate actions to reduce flood damage,
encourage flood insurance coverage, and protect the natural functions of floodplains.
The list of target areas and target audiences is listed below:
TABLE 2. LIST OF PRIORITY AUDIENCES
Target area#1: Given the flood claims history of these areas, property owners
Properties within and residents in the RLAs should understand their flood risks and
Repetitive Loss Areas be informed about ways in which they can protect themselves
(RLAs) and their property. It is also critical that residents in these areas
understand the importance and value of flood insurance.
Target area #2: Given the heightened likelihood that flooding will occur in these
Properties within the areas, property owners and residents in the SFHAs should
Special Flood Hazard Area understand their flood risks and be informed about ways in which
(SFHA) they can protect themselves and their property. It is also critical
that residents in these areas understand the importance and
value of flood insurance.
Target area#3: This audience should become aware of the heightened storm
Properties within the surge risk and be informed about ways in which they can protect
storm surge area themselves and their property. It is also critical that residents in
these areas understand the importance and value of flood
insurance
Target area #4: Given the heightened likelihood that flooding will occur in these
Properties within low- areas, property owners and residents in low lying and flood-prone
lying flood-prone areas areas should understand their flood risks and be informed about
ways in which they can protect themselves and their property. It
is also critical that residents in these areas understand the
importance and value of flood insurance.
Target area #5: This audience should understand that, although they are not in
Properties within the high-risk areas, there is still a possibility that they will experience
moderate to low-risk flooding and insurance is recommended. These areas submit
flood areas over 20% of NFIP claims and receive one-third of disaster
assistance for flooding. They are shown on flood maps as zones
labeled with the letters X or shaded X.
Target area #6: The Beach Road Association represents residents of the Beach
Beach Road Area Road area which is located along the Atlantic shoreline and, for
this reason, remains an appropriate audience. This area is
vulnerable to flooding events resulting from storm surges and
extreme tides.
Target audience#1: These professionals are in contact with clients that are purchasing
Real estate professionals or renting properties. They will benefit from flood related
outreach, and, being a trusted source of information, may relay
information to their clients.
PPI 5-year Update 2025 Page 7
Audiences/Areas Description'%
Target audience#2: Individuals purchasing property should be made aware of their
Buyers of real estate flood risk and insurance options.
Target audience#3: Homeowner and condominium associations typically concern
Homeowner and themselves with matters vital to their respective communities
condominium and so they remain an appropriate target audience.
associations
Target audience#4: These professionals are in contact with clients that are purchasing
Insurance agents or renting properties. They will benefit from flood-related
outreach and may relay information to their clients.
Target audience#5: These professionals are in contact with clients that are purchasing
Lenders or renting properties. They will benefit from flood-related
outreach and may relay information to their clients.
Target audience#6: This audience should be kept apprised of floodplain regulations
Construction contractors and available County services. They are also in a position to
and builders communicate information about building with flood risk in mind
to their clients.
Target audience#7: This audience should receive outreach efforts to educate them
Landscapers about impacts to water quality. Messages regarding flood risk
and protection of natural systems will be incorporated into their
programs and materials.
Target audience#8: Given the importance of local business on the community's
Business Community economy and quality of life, business owners should understand
their flood risks and be informed about ways in which they can
protect themselves, their employees, their business and their
property. It is also critical that business owners understand the
importance and value of flood insurance for both buildings and
contents.
Target audience#9: Special needs registrants are particularly vulnerable to flood
Tequesta Special needs hazards. For this reason, outreach aimed at special needs
registrants registrants is recommended.
Target audience#10: New residents may be unaware of local flood risks, local
New residents regulations, how to obtain services and where to purchase flood
insurance. For this reason, outreach aimed at new residents is
recommended.
Target audience#11: New residents may be unaware of local flood risks, local
Winter residents regulations, how to obtain services and where to purchase flood
insurance. For this reason, outreach aimed at winter residents is
recommended.
PPI 5-year Update 2025 Page 8
Assess Current Outreach Efforts:
Table 3 is n partial listing of other public information efforts, many of which are undertaken by
agencies other than those under the direction of the Village government. These were all
considered as available avenues to disseminate flood information.
TABLE 3. OTHER PUBLIC INFORMATION INITIATIVES
Organization Praject Subject Matter Frequency
Local Library Flood related information in Flood information. Year-round
welcome package to new
residents.
Village of Tequesta Smoke Signals Public interest Quartely
Public Information
Office
Village of Tequesta Website, Reverse 911, Various Year-round as
Public Information Facebook, X, Instagram needed
Office
Village of Tequesta GovDelivery (Email blasts) Various subjects as As needed
Public Information deemed appropriate
Office
Village of Tequesta Tequesta Weekly (Email Highlights and events Weekly
Public Information blasts)
Office
Village of Tequesta Press Releases Various As deemed
Public Information appropriate
Office
Village Building Dept. Map inquiry service Flood hazard areas, Year-round
insurance 101, flood
protection
Village Building Dept. Flood Protection Assistance Property protection Year-round
phone calls and site visits
Village Utilities Dept. Utilities Packet Utility topics, All new
including stormwater customers
Village Public Works Swale and canal Take care of your Year-round
Dept. maintenance, illegal storm drain, protect
dumping signage water quality, no
illegal dumping
Talk of Tequesta Local magazine Public interest Monthly
Regional Network TV FloodSmart commercials Be prepared. Get Year-round
and Radio Stations flood insurance
PPI 5-year Update 2025 Page 9
Organization Project Subject Matter Frequency
South Florida Water Website Flood protection Year-round
Management District programs
South Florida Water Brochures Stormwater and Year-round
Management District drainage information
Insurance Agencies Handouts on flood insurance Flood insurance As needed
Channel 5 TV and Palm Hurricane preparedness Preparations for Annually
Beach Post guide hurricanes and
flooding
3. Formulation of PPI Messages/Annual Outreach Projects
Outreach campaign messages must be accurate and concise to result in action and positive
outcomes. The PPI Committee used the public information needs assessment to identify
specific topics, messages and expected outcomes for flood information projects that are
implemented throughout the year. The identified messages are based on the NFIP CRS
floodplain management topics, the County PPI messages and outcomes, and the identified
information needs of the Village.
During the 2025 PPI meetings, after assessing the community's flood information needs and
reviewing the messages listed in the previous PPI update, the PPI Committee identified the
following as the priority messages. Each message has a desired, measurable outcome, as
shown in Table 4.
ABLE 4. TOPICS, MESSAGES AND DESIRED OUTCOMES
Topic Message Outcome (Results)
1A. Learn your flood hazard risk,flood zone and map information. Stay
connected and find out your flood risk.
1B. Know your Zones! Do you know the difference between an Evacuation R1. Increased requests
Zone and a Flood Zone?Find out which zone you're in and be prepared for FIRM information.
before a storm hits. R2. Better prepared
1C. Look up your zone now: ReadyPBC.com and informed
1. Know your flood hazard 1D. Everyone in Florida lives in a flood zone,its just a question of whether residents and
you live in a low, moderate,or high-risk area.You can view the Village of businesses
Tequesta's flood map at R3. Increased
www.teguesta.org/DocumentCenter/View/10384/Teguesta-Flood-Zone- evacuation order
Map. compliance.
1E.To find out the flood zone for your property,enter your address into
https://discover.pbc.gov/pu bl icsafety/dem/Pages/Know-Your-Zone.aspx
PPI 5-year Update 2025 Page 10
Topic Message Outcome (Results)
2A. Purchase flood insurance for your home, business or rental.
2B.Contact your insurance agent for additional information.
2C. Only a few inches of rising water can cause thousands of dollars in
repair costs for damage to walls,floors,furniture and electrical
2. Insure your R4. Increase in the
appliances.This damage is typically not covered by homeowner's or
property for number of flood
renter's insurance policies.
flood hazard insurance policies.
2D. Flood insurance coverage is available for qualifying buildings and
contents and is available to both property owners and renters.Contact a
flood insurance agent for guidance.
2E. Flood insurance is available in all flood zones.
3A.Turn around; don't drown.
3B.Stay informed and safe with Alert Tequesta.
https://www.teguesta.org/1178/Emergency-Alerts
3C. Do not walk through flowing water
3D.Stay away from power lines&electrical wires.
R5. Less water rescues.
3E. Know the difference between a flood watch and a flood warning.A
R6. Less flood-related
3. Protect watch means flooding is possible.A warning means flooding is occurring
people from or is imminent. injuries and fatalities.
the hazard R7. Increase
3F. Check your evacuation zone,route and shelter stations at:
http://discover.pbcgov.org/publicsafety/dem/Pages/Hurricane.aspx evacuation order
compliance.
3G.Obey evacuation orders from officials.
3H. Monitor NOAA Weather Radio, local television and/or
www.weather.gov
31. Download reliable weather apps on mobile devices to receive updates
and alerts.
4. Protect your 4A.Ask your community floodplain manager about flood protection R8. Increased calls for
property assistance by calling the building department at(561) 768-0450. flood protection
from the 4B. Keep yard debris and litter out of storm drains to prevent stormwater information and site
hazard blockages and drainage obstructions that are prone to cause flooding. visits.
5A.Obtain required permits before starting any home repair, improvement
or construction.
5. Build 5B. Use only licensed contractors. R9. Reduced number
responsibly 5C. Be aware of the substantial improvement rules. of building
5D.Contact the building department at(561)768-0450 for guidance on department citations.
permits and improvements.
PPI 5-year Update 2025 Page 11
Topic Message Outcome (Results
.i
6A. Don't block natural flow-ways. R10. Fewer violations
6. Protect of unpermitted filling
natural 6B. It is unlawful to dump or throw anything into the drainage systems.To or blocking of natural
report dumping and/or debris accumulation, call the Village of flow-ways.
floodplain Ys
functions
Tequesta's Public Works Department at(561)768-0482.
R11. Improved
6C.Only rain down the drain, stormwater quality
7A. Make a plan. Storm surge can occur without hurricane force winds. R12. Minimized storm
7. Be prepared related damage and
7B. Know evacuation routes.
for injury.
hurricanes. 7B. Prepare a hurricane/tropical storm kit
R13. Reduced property
7C.Take time now to gather emergency supplies! loss from hurricanes.
R14. Reduced localized
flooding.
8. Maintain R15. Reduced property
your storm loss due to flooding.
drain to R16. Reduced number
Keep debris out of driveway culverts and ditches and maintain your
protect your of clogged storm drain
drainage swales. gg
property complaints.
from the
flood hazard R17. Reduced number
of times each storm
system has to be
vacuumed.
9A. Learn the risks of storm surges. Evacuation orders are issued for
9. Be prepared imminent storm surge flooding, not wind. R18. Increased
for storm evacuation in storm
surges 9B.Check evacuation zones and shelters: events.
https://discover.pbcgov.org/publicsafety/dem/Pages/Hurricane.aspx
10. Act wisely R19. Reduced reports
during 10A. Do not drive through a flooded area. of stalled cars and
street home flooding from
flooding traffic wake.
4. Identify Outreach Projects to Convey the PPI Messages
The PPI Committee compiled an inventory of existing flood information and flood response
outreach efforts that are being implemented throughout the Village each year and distributed
to target audiences. The PPI Committee then reviewed the inventory of ongoing projects
annually in order to ensure the community is receiving pertinent information. In addition, the
PPI Committee has Flood Response Preparation (FRP) outreach projects that are distributed
when there is an impending flood event. Because these FRP projects need to be implemented
in a timely manner, the Village has developed pre-scripted messages to disseminate before,
PPI 5-year Update 2025 Page 12
A
during and after a flood. Tequesta also supports several County-wide outreach and warning
and response projects under the Palm Beach County PPI. The PPI Committee will continue to
implement and refine the PPI so that flood insurance is promoted, and viewed as a necessity,
and the efforts put forth by the committee will help keep flood insurance affordable for the
Tequesta community.
Projects and initiatives & project list
The PPI Committee reviewed the 47 projects and initiatives from the 2020 PPI selecting which
projects should be retained and which, if any, discontinued. The committee then discussed and
added additional projects based on the assessment of needs and input from stakeholders to
develop this list of 60 PPI Outreach Projects (OPs). Implementation will be determined based on
cost and availability of resources. The CRS Coordinator will monitor the projects as they are
developed, as well as their results. The CRS Coordinator will also record input from the PPI
Committee members and suggestions from other Village employees and stakeholders
participating in the activities. Such input will be sent by email to the PPI Committee members
for consideration, evaluation and inclusion in annual reports. A comprehensive table of
Tequesta PPI Committee projects, including target audience, project description, message,
desired outcome, responsibility, schedule and stakeholder for each of the PPI projects are listed
below in Table 5.
TABLE S. IDENTIFIED OUTREACH PROJECTS TO CONVEY PUBLIC INFORMATION MESSAGES ��
Target
OP# Audience Messages Outcomes Outreach Project !Responsibility Schedule Stakeholder
i
OP#1 Entire 1-5, 7, 8 R1-9, R12-17 Community flood CRS Annually
Community hazard information in Coordinator
Smoke Signals delivered
to every address
OP#2 Entire 1-10 R1-19 Tequesta Flood CRS Annually
Community Brochure(print& Coordinator
electronic)
OP#3 Entire 1, 3, 4, 7 R1-3 115-8, Hurricane Preparedness N/A May Channel 5 TV
Community R12-13 Guide and Palm
Beach Post
OP#4 Entire 1-10 R1-19 Palm Beach County Palm Beach Year- N/A
Community Official Hurricane County Division round
Planning Guide of Emergency
Mgt
PPI 5-year Update 2025 Page 13
Target j
P# Audience Messages Outcomes ;outreach Project Responsibility `Schedule Stakeholder
V�
OP#5 Entire 1-10 R1-19 Social media postings of Public June-
Community flood information Information October
(Facebook,X, Officer
Instagram)
OP#6 Entire 1-10 R1-19 Social media postings of Public June-
Community flood information on Information October
NextDoor Officer
OP#7 Entire 1, 2 R1-R4 Map inquiry service Building Dept. Year-
Community (320) round
OP#8 Entire 1-10 R1-19 Tequesta flood map CRS Year-
Community service publicity(320) Coordinator round
OP#9 Entire 2 R4 Flood insurance CRS Year-
Community promotion (370) Coordinator round
OP Entire 1-10 R1-19 Village website CRS Year-
#10 Community advisement(350) Coordinator round
OP Entire 1-10 R1-19 Palm Beach County Palm Beach Year- Palm Beach
#11 Community website (350) County Division round County
of Emergency
Management
OP Entire 1,4-6 R1-3, 118-11 Property-specific Building Dept. Year-
#12 Community information response round
(360)
OP Entire 1,4-6, 8 R1-3, R8-11, Flood protection advice Building Dept. Year-
#13 Community R14-17 service publicity(360) round
OP Entire 1-10 R1-19 Smoke Signals in Public May N/A
#14 Community Building Dept. lobby Information
Officer
OP Entire 1-4, 7, 9, 10 R1-5, R10- FEMA TV advisements FEMA Year- FEMA
#15 Community 11, R14-15 on regional TV channels round
OP Entire 3,7, 9, 10 R5-7, R12- Palm Beach County Tequesta At least N/A
#16 Community 13, R18-19 Dart Apps Emergency annually
Management
Division
PPI 5-year Update 2025 Page 14
Target
#?P# Audience Messages Outcomes Outreach Project Responsibility Schedule Stakeholder
OP Entire 1-10 R1-19 Talk of Tequesta Public Year- N/A
#17 Community newspaper Information round
Officer
OP Entire 1-10 R1-19 Locally produced TV Palm Beach Year- Palm Beach
#18 Community shows- Palm Beach County Division round County
County EOC of Emergency
Management
OP Entire 1, 2 R1-4 Purchase of flood CRS Annually Real Estate
#19 Community insurance advisement Coordinator Agencies
OP Entire 1-4, 7-10 R1-8, R12-19 Storm Surge message CRS June-
#20 Community to general community Coordinator October
through various media
OP Entire 4,6, 8 R8, Swale&storm drain CRS Annually
#21 Community R10-11, R14- maintenance messages Coordinator
17 to general community
through various media
OP Entire 1-10 R1-19 Messages to general CRS February
#22 Community community through Coordinator -June
various media about
extreme rainfall flood
risks
OP Entire 3,7,9 R5-7, R12- TV Show—Governor's County&State May- Palm Beach
#23 Community 13, 1318 Hurricane Conference Coordinators October County
OP Entire 1-10 R1-19 FDEM videos on TV& State&County May- Palm Beach
#24 Community YouTube Coordinators October County&
FDEM
OP Entire 1-10 R1-19 Tequesta Weekly email Public May-Sep N/A
#25 Community blasts with eNewsletter Information
Officer
OP Entire 1-10 R1-19 Utilities Bill Packet Water Utility Annually
#26 Community insert for all residents Department
OP Entire 1-10 R1-19 Utilities Bill messages CRS Quarterly
#27 Community containing flood Coordinator
information added to
bottom of bill
PPI 5-year Update 2025 Page 15
Target —�
i
P# Audience Messages Outcomes Outreach Project Responsibility Schedule Stakeholder
OP Entire 2 R4 Flood Insurance CRS Year- Insurance
#28 Community Information available at Coordinator round agencies
insurance offices
OP Entire 1-10 R1-19 Distribution of flood Building Annually
#29 Community related items at Village Department
flood and hurricane
event
OP Entire 1, 5, 8 R1-3, R9, NPDES Advisement Public Year-
#30 Community R14-17 Information round
Officer
OP Entire 1-10 R1-19 Flood related Public Year-
#31 Community information at Council Information round
Meetings Officer
OP Entire 1-10 R1-19 Brochures& Handouts CRS Year- FEMA, IIC, &
#32 Community distributed at events Coordinator round U.S. Dept. of
and available at Village Commerce
offices:
• Flood Protection and
Mandatory Purchase of
Flood Insurance
Brochure
• Flood Insurance Advice
Brochure
• US Dept.of Commerce
brochure
• Safety First-Disaster
Preparedness Brochure
• Your Homeowners'
Insurance Doesn't
Cover Floods Brochure
• Flood Cleanup
Brochure
• What Should You Do if
a Hurricane Threatens
your Community
OP Entire 1,4, 6, 8 R1-3, R8, • "Know the flow" SFWMD Year- SFWMD
#33 Community R10-11, R14- publication round
15
PPI 5-year Update 2025 Page 16
Ta rget [
OP# Audience I Messages Outcomes Outreach Project lResponsibility Schedule Stakeholder
i
OP Entire 1,3-5, R1-3, 115-9, Emergency event and CRS As
#34 Community 7-10 R12-R19 post-storm: Coordinator needed
• Flood information and Public
messages for Village Information
phone line recordings Office
for use prior to,during,
and after a flood event
when the Village is
closed
• Flood warning and
response messages on
website
• Flood warning and
response messages on
social media
• Email notifications
containing flood
warning and response
messages
• CodeRed(Alert
Tequesta) notifications
containing flood
warning and response
messages
• Informational
materials available at
various locations
• Information placed in
emergency
information box
locations
• Door hangers
OP RLA Areas 1-10 R1-19 Repetitive Loss Areas CRS Annually
#35 annual outreach Coordinator
OP SFHA Areas 1-10 R1-19 Tequesta flood hazard CRS Annually
#36 information and flood Coordinator
promotion Letter and
Brochure to SFHA
OP Storm Surge 1-10 R1-19 Letter or NextDoor post CRS Annually
#37 Areas concerning storm surge Coordinator
risk to Storm Surge
Areas
PPI 5-year Update 2025 Page 17
Target
P# Audience Messages Outcomes Outreach Project 'Responsibiht Schedule Stakeholder
OP Low-lying 1-10 R1-19 Letter or NextDoor post CRS Annually
#38 flood-prone with flood information Coordinator
areas to low-lying flood-
prone areas
OP Moderate & 1-10 R1-19 Letter or NextDoor post CRS Annually
#39 low-risk flood with flood and flood Coordinator
areas insurance information
to moderate & low-risk
flood areas(X-Zones)
OP Beach Road 1-10 R1-19 Letter or NextDoor post CRS Annually
#40 area concerning storm surge Coordinator
risk to Beach Road
residents in SFHA
OP Real estate 1-10 R1-19 Mail or email CRS Annually
#41 professionals advisements to Real Coordinator
estate professionals
OP Buyers of real 1-10 R1-19 Mail or email CRS Annually
#42 estate advisements to Buyers Coordinator
of real estate
OP HOAs&COAs 1-10 R1-19 Mail or email CRS Annually
#43 advisements to HOAs Coordinator
and property managers
OP HOAs &COAs 1-4, 7, 8 R1-8, R12-15 Public presentation by Palm Beach Year- Palm Beach
#44 Palm Beach County County Division round County
Emergency of Emergency
Management staff Mgt
OP Insurance 1-10 R1-19 Distribution of letter or CRS Annually
#45 agents email to Insurance Coordinator
agencies
OP Lenders 1-10 R1-19 Mail or email CRS Annually
#46 advisements to Lenders Coordinator
OP Construction 1,4, 5, 8 R1-3, R8-9, Mail or email Building Annually
#47 contractors& R14-17 advisements to Department
builders Construction
contractors & builders
PPI 5-year Update 2025 Page 18
Target j
OP# Audience Messages Outcomes Outreach Project Responsibility Schedule Stakeholder
OP Construction 1,4, 5, 8 R1-3, R8-9, Information provided to Building Annually
#48 contractors& R14-17 construction Department
builders contractors& builders
during licensing or
permit process
OP Landscapers 1,4, 5, 8 R1-3, 118-9, Mail or email CRS Annually
#49 R14-17 advisements to Coordinator
Landscapers
OP Landscapers 1,4, 5, 8 R1-3, R8-9, Information provided to Building Annually
#50 R14-17 Landscapers during Department
licensing or permit
process
OP Business 4, 5 R8-9 Participation in Palm Beach As Business
#51 Community public/private County Division needed Community
partnership for of Emergency
restoration (post- Mgt
storm)
OP Business 1-10 R1-19 Mail or email CRS Annually
#52 Community advisements to Coordinator
Business Community
OP Business 1-10 R1-19 Information provided to CRS Annually
#53 Community business owners during Coordinator
licensing process
OP Business 1-10 R1-19 Mail or email CRS Annually
#54 Community advisements to Coordinator
Chamber of Commerce
for further distribution
to business owners
OP Tequesta 1-10 R1-19 Mail or email CRS Annually Palm Beach
#55 Special needs advisements to Coordinator County
registrants Tequesta Special needs
registrants
OP Tequesta 1-10 R1-19 Palm Beach County Palm Beach May-Nov Palm Beach
#56 Special needs Special Needs outreach County Division County
registrants of Emergency
Mgt
PPI 5-year Update 2025 Page 19
Target
A## Audience Messages Outcomes Outreach Project Responsibility Schedp takeholder
OIL—
OP New 1-10 R1-19 Distribution of new CRS Year-
#57 residents resident information at Coordinator round
Village offices
OP New 1-10 R1-19 Utilities bill packet Water Utility Monthly
#58 residents insert for new residents Department
OP New 1-10 R1-19 Flood Information Building As
#59 Residents provided with Department needed
Certificate of
Occupancy
OP Winter 1-10 R1-19 Flood and Hurricane CRS Sep- May
#60 Residents Information for Winter Coordinator
Residents
Flood response preparations (FRP)
In addition to the outreach projects listed above, the Tequesta PPI Committee has also
established the following Flood Response Preparations (FRP) outreach projects which are
prepared in advance and reviewed and adjusted each year:
TABLE 6. IDENTIFIED FLOOD RESONSE PREPARATIONS (FRP) OUTREACH PROJECTS
I
FRP# Target Messages I Outcome Outreach Project Responsibility Schedule ; Stakeholder
Audience i
FRP#1 All 3 R5-7 Facebook PSAs Public Pre- N/A
Tequesta Information storm
residents Officer (PIO)
FRP#2 All 3, 4 R5-8 Other Social Media PIO Pre- N/A
Tequesta PSAs storm
residents
FRP#3 All 3 R5-7 Email PSAs Public Pre- N/A
Tequesta Information storm
residents Officer
FRP#4 All 3 R5-7 Brochure handouts Public Pre- N/A
Tequesta Information storm
residents Officer
PPI 5-year Update 2025 Page 20
Target
FRP# Audience Messages ; Outcome Outreach Project Responsibility Schedule Stakeholder
FRP#5 All 3 115-7 TV/Radio PSAs - Public Pre- N/A
Tequesta WPTV News Information storm
residents Channel 5, WPEC Officer
News Channel 12,
WPBF Channel 25,
WJUP Radio 103.9
FM, Legends Radio
100.3 FM
FRP#6 All 3 R5-7 Reverse 911 Public Pre- N/A
Tequesta messages Information storm
residents Officer
FRP#7 All 3, 4, 7, 115-8, Newspaper PSAs Public Pre- N/A
Tequesta 10 R12-13, Information storm
residents R19 Officer
FRP#8 All 1, 3, 4, 7 R1-3, EOC Public Pre- N/A
Tequesta 115-8, communications Information storm
residents R12-13 Officer
FRP#9 All 3 115-7 Facebook PSAs Public During N/A
Tequesta Information the
residents Officer storm
FRP#10 All 3 115-7 Other Social Media Public During N/A
Tequesta PSAs Information the
residents Officer storm
FRP#11 All 3 115-7 Email PSAs Public During N/A
Tequesta Information the
residents Officer storm
FRP#12 All 3 R5-7 Brochure handouts Public During N/A
Tequesta Information the
residents Officer storm
FRP#13 All 3 R5-7 TV/Radio PSAs Public During N/A
Tequesta Information the
residents Officer storm
FRP#14 All 3 R5-7 Reverse 911 Public During N/A
Tequesta messages Information the
residents Officer storm
FRP#15 All 3, 4, 7, 115-8, Newspaper PSAs Public During N/A
Tequesta 10 R12-13, Information the
residents R19 Officer storm
PPI 5-year Update 2025 Page 21
FRP# ; Audience Messages Outcome Outreach Project Responsibility Schedule Stakeholder
FRP#16 All 7 R12-13 EOC Public During N/A
Tequesta communications Information the
residents Officer storm
FRP#17 All 2, 3, 4, 5, 114-9, Facebook PSAs Public Post- N/A
Tequesta 10 R19 Information storm
residents Officer
FRP#18 All 3, 4 115-8 Other Social Media Public Post- N/A
Tequesta PSAs Information storm
residents Officer
FRP#19 All 2, 3, 4, 5, 134-9, Email PSAs Public Post- N/A
Tequesta 10 R19 Information storm
residents Officer
FRP#20 All 3 R5-7 Brochure handouts Public Post- N/A
Tequesta Information storm
residents Officer
FRP#21 All 10 R19 TV/Radio PSAs Public Post- N/A
Tequesta Information storm
residents Officer
FRP#22 All 3, 4, 7, R5-8, Newspaper PSAs Public Post- N/A
Tequesta 10 R12-13, Information storm
residents R19 Officer
FRP#23 All 1-5, 10 111-9, EOC Public Post- N/A
Tequesta R19 Communications Information storm
residents Officer
5. Examine Other Public Information Initiatives
The Committee proposed the following recommendations for public information initiatives as
they relate to other CRS credited activities.
Activity 310 (Elevation Certificates)
The PPI Committee recommends the Village should continue to inform residents about the
importance of Elevation Certificates. At least annually, in a flood hazard handout or Smoke
Signals newsletter and on the Village website, the Village should publicize the methods by
which residents can find out if an elevation certificate is on file for their property.
PPI 5-year Update 2025 Page 22
Activity 320 (Map Information Services)
The PPI Committee recommends the Village should continue to offer these services to the
community and should advertise the services, including site visits, in a flood hazard brochure or
Smoke Signals newsletter and on the Village website.
The Village of Tequesta developed a Flood Map Information Service to provide residents and
businesses with FEMA Flood Insurance Rate Map (FIRM) and other sources of information
about the local flood hazard and natural floodplain functions 24 hours a day, 7 days a week.
This service is searchable by address or map location. The Flood Map Information webpage
also includes a link to the County website for information regarding storm surge depth,
evacuation zones, shelter locations, and current water levels. This information is also
publicized to the entire community via the Smoke Signals newsletter as well as an informational
brochure provided to all residents on or near a Special Flood Hazard Area and is also available in
the Village main lobby.
The Village of Tequesta designated a phone number for all flood information phone calls (561)
768-0450, which is displayed on the flood information website and within the Smoke Signals
newsletters and flood insurance brochure.
Part of providing Map Information is informing residents about the "Mandatory Purchase of
Flood Insurance" requirement. Pursuant to the Flood Disaster Protection Act of 1973 and the
National Flood Insurance Reform Act of 1994, the purchase of flood insurance is mandatory for
all federal or federally related financial assistance for the acquisition and/or construction of
buildings in Special Flood Hazard Areas (SFHA). The mandatory purchase requirement also
applies to secured loans from financial institutions. Lenders are required to provide written
notification to the borrower that flood insurance is mandatory as a condition of the loan if the
building is in an SFHA. The Village of Tequesta disseminates to the community a brochure
regarding Flood Protection and the Mandatory Purchase Requirement annually.
Activity 340 (Hazard Disclosure)
The PPI Committee acknowledges the need to work together with the real estate community in
order to effectively implement this activity. The Village is engaged with the local Board of
Realtors to strengthen hazard disclosure efforts.
The Village of Tequesta works with local realtors to provide flood information to buyers of new
homes, to inform buyers whether a property is in a flood zone and if flood insurance is
required. These Real Estate Disclosure and Flood Information Brochures are distributed by real
estate agents to publicize the flood map service and flood information service.
PPI 5-year Update 2025 Page 23
Activity 350 (Flood Protection Information)
The PPI Committee noted that the Village has an informative website which, upon completion
of updates, will cover all of the 10 messages chosen by the Committee. The website will be
updated periodically to maximize CRS credit in this item. FEMA publications and locally
pertinent documents are cataloged at the Palm Beach County Public Library.
The Village of Tequesta's website contains flood hazard information and links to County and
FEMA flood information and interactive flood maps. The structure and hierarchy of the site
ensures that the pathways to specific information are concise and easily navigable. Each year,
Village staff review the site in detail and content is updated if needed.
Activity 360 (Flood Protection Assistance)
The PPI Committee acknowledged that Village continues to offer these services to the
community and should continue to advertise the services, including site visits, in the flood
hazard brochure or Smoke Signals newsletter at least annually and on the Village website.
The Village of Tequesta Building Department Floodplain Manager provides one-on-one
consultations and site visits as appropriate to advice inquirers about property protection
measures, such as retrofitting techniques and drainage improvements. The objectives of
Tequesta's flood protection assistance advisory program is to increase awareness and use of
the service and enhance mitigation information provided. Building Department staff also offer
appropriate supplemental materials to inquirers.
Activity 370 (Flood Insurance Promotion)
The Village will offer advice on flood insurance, which will be advertised at least annually in a
flood hazard brochure or Smoke Signals newsletter and on the website. Additionally, a flood
insurance message from community leadership or an elected official will be issued and
distributed, at least annually, via that official's media of choice (i.e., social media, PSA, website
or eNewsletter).
Floods are the number one natural disaster in the United States. Wherever rain falls or storms
rage, there can be flooding. Just a few inches of water can cause tens of thousands of dollars in
damage. Flood damage is not covered by most standard homeowner or business insurance
policies. In addition to regulating new development in the floodplain to protect people from
the consequences of flooding, the Village of Tequesta advocates for the purchase of flood
insurance. Many people are not aware that flood insurance is available, and many of those who
are aware do not see a need to insure their property. The PPI Committee plan includes target
audiences and specific messages and projects that publicize and promote the availability of
flood insurance and its importance as a preparedness measure.
PPI 5-year Update 2025 Page 24
Activity 540 (Drainage System Maintenance)
The "No dumping" regulations will continue to be advertised in a flood hazard brochure or in
the Smoke Signals newsletter and on social media, at least annually. It should also be advertised
on the Village website.
The Village of Tequesta enforces a regulation that prohibits dumping or disposal of debris in the
drainage system. Landscapers and stormwater managers were identified as the target
audiences to be notified about the regulation. Landscapers are in a position to prevent
materials from getting in to the Village's natural floodplains and drainage and conveyance
systems.
The Village of Tequesta is part of the federally mandated National Pollutant Discharge
Elimination System (NPDES) Phase II. The NPDES is a national program for addressing sources
of stormwater discharges which adversely affect the quality of our nation's waters. This
program requires the implementation of six minimum control measures. These measures are
monitored for compliance by the EPA and the Loxahatchee River District.
The Village of Tequesta is actively taking part in preventing and controlling stormwater runoff
and has developed a stormwater management plan via multiple Village Departments. The
Village cleans, inspects catch basins, sweeps the roads, calibrates snow and ice treatment
vehicles to control the amount of chemicals applied. The Village also clears and inspects
culverts, repairs and installs berms and catch basins. The Village of Tequesta has, and enforces,
a regulation that prohibits dumping or disposal of debris in the drainage system. Landscapers
and HOAs were identified as the target audiences to be notified about the regulation.
Landscapers are in a position to present materials from getting into the County's natural
floodplains and drainage and conveyance systems. Tequesta also supports the County's "Only
rain down the drain" campaign which publicizes the County regulation and educates
businesses, residents and visitors about natural floodplains and how they can protect
watersheds and prevent flooding caused by drainage system blockages.This outreach includes
storm drain markers, door hangers, informational website, brochures, and neighborhood
presentations. In addition, Tequesta facilitates the distribution of educational materials.
Drainage System Maintenance: Florida's Stream Dumping Regulations make dumping or
obstructing flows in ditches and streams illegal. Several outreach projects will contain
messaging from Topics#6 and #8. The projects will outline the benefits of these messages,
including reduction of neighborhood flooding. It will also include the consequences of violating
the Florida Statute.
PPI 5-year Update 2025 Page 25
The Village of Tequesta has several parks and preserve areas that provide natural floodplain
functions. This provides a venue to educate visitors about the importance of floodplains and
emphasize the County's Only Rain Down the Drain campaign.
• Constitution Park, located at 399 Seabrook Road,Tequesta, FL 33469
• Coral Cove Park, located at 19450 Beach Road, Tequesta, FL 33469
• Paradise Park, 1 Main Street,Tequesta, FL 33469
• Remembrance Park, 453 Seabrook Dr, Tequesta, FL 33469
Activity 610 (Flood Warning and Response)
Flood warning and safety information will be advertised to the entire community on the Village
website and social media, and at least annually, in the flood hazard brochure or Smoke Signals
newsletter.
The extent of the damage caused by a flood is related not just to its severity, but also to the
level of public awareness and preparedness, early warning systems, and dissemination of timely
and effective information to the public. As such,the Village's efforts to reduce flood loss are
focused on education and outreach, early warning systems, and distributing information that
enables people and communities to respond when severe weather hits.
Additionally,Tequesta's Flood Response Preparations (FRP) outreach projects inform the
community about flood zones, evacuation zones, how they will be warned in the event of a
flood event, and the safety measures they should take. This information is provided to the
public throughout the year via the Village's newsletter, brochures, website, and social media.
In addition, residents can sign up for the Village's CodeRed Emergency Notification System as
well as the County's ALERTPBC to receive notifications via phone calls, text messaging and
email.
Tequesta's FRP outreach projects are informed by the annual County Flood Exercise the
Tequesta Emergency Management Office participates in as well as Tequesta's own annual Flood
Exercise and after-action report documenting lessons learned and improvements that can be
made.
Publicity recommendations:
Considering the following recommendation and justification the Committee agrees that, to the
extent feasible and appropriate, the Village move from the printed media to electronic media:
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
PPI 5-year Update 2025 Page 26
print to electronic media, the committee recommends the primary media used by the Village
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.
Whenever feasible and appropriate, 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
• Electronic Sign Boards
• Text Messages
• Phone Apps
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 perspective 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
o Property protection advice (PPA)
o Protection advice provided after a site visit (PPV)
• Activity 370—Flood Insurance Promotion
• Activity 540—Drainage System Maintenance
• Activity 610—Flood Warning and Response
PPI 5-year Update 2025 Page 27
6. Prepare and Adopt the Program for Public Information and
Coverage improvement Plan Document
This 2025 update of the Program for Public Information document, which includes the Flood
Insurance Coverage Improvement Plan, was prepared in conjunction with the PPI Committee in
accordance with the 2025 CRS Coordinator's Manual guidelines. Once adopted, this PPI
document will be submitted to FEMA, via its Insurance Services Office representative, for CRS
credit.
FEMA requires the elected body of each participating community adopt the Program for Public
Information (PPI) in order to receive CRS credit points for the plan. Every five years, the
governing body of each community must adopt an update to the plan in order to continue
receiving CRS credit points.
This 2025 revised Village of Tequesta Program for Public Information will become effective
upon adoption by the Village Council, which is anticipated in December 2025.
7. Implement, Monitor, and Evaluate the Program
A report to FEMA must be submitted annually describing the PPI implementation. Tequesta's
PPI Committee will continue to meet annually to discuss initiatives within the program, assess
the outcomes of the outreach projects, evaluate whether the flood risk reduction messages are
still appropriate, adjust the PPI as needed and approve the documentation. The PPI Committee
reviews each project identified the previous year and evaluates which projects need to be
modified and refines the messages as needed to increase the effectiveness to existing
audiences or to reach new audiences.
Tequesta's PPI Committee met most recently on September 12, 2025 and October 1, 2025 to
update this PPI plan. Participation from a broad variety of staff members and community
volunteer stakeholders brought multiple perspectives and suggestions to the process and
produced a better outreach plan. Annual evaluation reports will serve as a further means to
make needed adjustments and updates to the PPI messages and projects.
PPI 5-year Update 2025 Page 28
FLOOD INSURANCE PROMOTION
In addition to serving as the Village's Program for Public Information Committee, the members
chose to function as its Flood Insurance Promotion Committee. The committee was structured
with this purpose in mind; all CRS committee membership requirements are met. Flood
Insurance Promotion was the primary subject of the Committee's second meeting, which was
held on October 1, 2025.
The Village of Tequesta has multiple outreach projects centered on the promotion of flood
insurance. In addition, the PPI Committee identified a need to assess the level of flood
insurance coverage in the Village and better target residents and businesses that would benefit
from flood insurance. The resulting Coverage Improvement Plan will include specific projects
that publicize the availability of flood insurance and its importance as a preparedness measure.
Flood insurance coverage assessment
During the October 1, 2025 meeting, the Committee discussed observed trends and attitudes
related to flood insurance. The input of the Committee member representing the insurance
industry was particularly valuable.
Tables 7 and 8 below, and shared during the meeting, contains September 2025 data which
provided additional helpful information to assess the Village's flood insurance coverage.
Table 7: Flood Insurance Coverage by Flood Zone
Insurance Zone
As of 09/02/2025
community: TEQUESTA,VILLAGE OF state: FLORIDA
County: PALM BEACH COUNTY CID: 120228
Overview Occupancy Zone I IWPoat FIRM
.........._.._....................................................._..................................................
Number of I
Policies in Insurance in Closed Paid $of Closed Adjustment
Force Premium Force Losses Paid Losses Expense
.................................................:...................................._..- _-__.....................,_,.,....._......................_._..._... .._.._....._.._._._._................. ..............................;....................................................,
A01.30s AEZones 265 $93,4461 $65,891,0001 33 $97,754.42 $7,995.00
A Zones0 $0' $0 0 $0.001 $0.00
'AO Zones 0 $0 $0 0 $0.00 $0.00
.............. _ _ .,_... ...Y....... ___-----_....----
......___w .._ ..__.
AHZones 0 $0 $0; 0 $O.00i $0.00
(ARZonai...........................;,,,,,,,,,,,,,....._-_......_......__:......................_......._........_..;___.__............___....._.._..._...:..._.._.,...,.........,..__.........._,......, ........................ .__..................
0. $Oa. ........... .............._30q.. .. ......... 0 $0 00 .. .. .. $0.00
3 ......
................_................b......................._.... ..
A99 Zones '_. 0 $0 $0 0 $O.00j $()00?
__........____.__.._......_„__..._.._............... ....._ .. :--
........_ .__ _._........... _........................:...................................0.....................................
v01-30&VEZones 1 $261 $350,000 0 $0.00' $0.00'
I..�._....__....._.._._____.._,
=Dzones 0 i $0 $01 0 $0.001 $0.00
,B,C 6 X Zone [
......................................_..».,......,...........,...,.6...,._._,_.._.._..__.___..........._......_.........._.............__—------............................
€
Standard 660 $321,684 $180,616,0M 25 $98,666.59 $7,630.00
. .. ...._
Preferred 0' $0--�-�-- $0 -..._20 $101,290.911 $25,280.00
row 9261 $415,3911 $246,857,000, 78 $297,711.921 $40,905.00
PPI 5-year Update 2025 Page 29
Table 8: Flood Insurance Coverage by Occupancy
Insurance Occupancy
As of 09/0212025
Community: TEQUESTA,VILLAGE OF State: FLORIDA
County PALM BEACH COUNTY CIO: 120228
Overview .. Zone Pre/Post FIRM
Number of
Closed
Policies in Insurance in Paid $of Closed Adjustment
Force Premium Force Losses Paid Losses Expense
Single Family 321 $257.307 $107,769,000 67 $270.781.33 $37,315.00
2-4Family 4; $1,316 $533,000 3:. $21,346.58 $1,405.00
;...._..__. ._........._..._.......... :......................................
.....
All Other Residential 586 $126,736; $131,486,000 6'. $1,741.57 $1,680.00
Non Reaidential 15; $30,032. $7,069,000 2 $3,842.44 $505.00
Total 926; $415,391 $246,857,000 78 $297,711.92 $40,905,00
Number of
Policies in Insurance in Closed Paid $of Closed Adjustment
Force Premium Force Losses Paid Losses Expense
Condo 603 $136,815 $134,884,000 4 $4,940.18 $1,970.00
Non Condo
323 $278,576 $111,973,000 74 $292,771.74 $38,935.00
Total 9261$415,391 $246,857,000 78 $297,711.92 $40,905.00
Based upon the data shown above and the knowledge of the committee members, the
following are some of the assessments made:
• As a community, the percentage of properties that carry flood insurance is about one third.
Out of an estimated 2,834 housing units (2000 Census) there are only 926 policies in force.
Additionally, because many properties have both a policy for its building and one for its
contents, the number of properties with flood insurance policies is likely even lower.
• The number of policies outside the Special Flood Hazard Area (SFHA) is about 2.5 times
higher than the number of policies inside this area. There are nearly the same number of
claims and paid losses both inside and outside the SFHA, meaning proportionally, a higher
percentage of properties inside the SFHA filed claims.
• Condos account for the most insurance policies (65%), while single family residences
account for 35% of the total policies. However, proportionally, single family residential
claims resulted in far higher monetary losses than condo claims.
COVERAGE IMPROVEMENT PLAN
Because the Village has elected to incorporate its coverage improvement plan together with its
PPI, most of the required elements for the plan have already been covered in the previous
pages of this report.
PPI 5-year Update 2025 Page 30
Identification of target areas and target audiences
The committee elected to follow the recommendations of the PPI to guide the target areas for
flood insurance promotion. Accordingly, the committee chose the same target areas and
audiences. These target groups are listed below:
• Target area #1: Properties within the Repetitive Loss Areas
• Target area #2: Properties within the SFHA
• Target area #3: Properties within Storm Surge Areas
• Target area #4: Properties within low-lying flood-prone areas
• Target area #5: Properties within the moderate to low-risk flood areas
• Target area #6: Beach Road area
• Target audience #1: Real estate professionals
• Target audience #2: Buyers of real estate
• Target audience #3: Homeowner and condominium associations
• Target audience#4: Insurance agents
• Target audience #5: Lenders
• Target audience#6: Construction contractors & builders
• Target audience#7: Landscapers
• Target audience#8: Business Community
N • Target audience#9: Tecluesta Special needs registrants
While the Committee accepted all the target areas and audiences previously designated in the
PPI, there were several target areas and audiences the Committee deemed to be particularly
important for flood insurance promotion.
Construction contractors and builders that are well informed of the importance of flood
insurance can exert a strong influence upon the property owners of new development. The
Committee pointed out that the new residents, particularly target audience#2 "new buyers of
real estate" compose groups that may be particularly open to making an investment in flood
insurance to protect their new investments. Accordingly, the message from the Mayor, which
is already a significant component of the Village's insurance related outreach, can be presented
as a stand-alone message delivered to all new residents, and real estate buyers.
Target Area 1, Repetitive Loss Areas, was also deemed to be particularly important in the
dissemination of flood insurance promotion considering the increased cost and disruption that
results in areas with a history of repetitive flooding. Because many single-loss claims are also
PPI 5-year Update 2025 Page 31
i
included in these areas, concentrated outreach to Repetitive Loss Areas is highly
recommended.
The committee discussed the need to push the message that even those outside special flood
hazard areas are at risk of flooding. Since, in Florida, everyone lives in a flood zone, message
#1D "Everyone in Florida lives in a flood zone, it's just a question of whether you live in a low,
moderate, or high-risk area" was added to increase flood hazard awareness. Accordingly,
message 2E, "Flood insurance is available in all flood zones", was also added to inform residents
outside the SFHA about flood insurance availability.This message will be targeted to both
residential and non-residential audiences in target area#5 "Properties within the moderate to
low-risk flood areas".
In addition to the activities already identified in the previous sections of this PPI document,
there are other activities being implemented to promote flood insurance. For example,
insurance agents typically do promote the purchase of flood insurance. There are typically
informative brochures in local offices, and there are incentives to provide flood insurance. This
community also receives FloodSmart commercials on television.
Projects designed to increase flood insurance participation
Though the PPI includes all the projects specified in the coverage improvement plan, the
following projects can be highlighted:
1. Letter from Mayor: One key component of the coverage improvement plan is the
letter from the Mayor to all properties in the Village encouraging residents and
businesses to consider purchasing flood insurance.This activity has just been
implemented this year and will continue to be implemented on an annual basis.
2. Outreach to the business' community:The committee noted that flood losses to
businesses could be especially detrimental, considering the entire business could
suffer loss due to loss of inventory and interruption of service.The strain on local
businesses would then be felt community-wide by affecting both economic stability
and employment. New businesses may be especially open to purchasing flood
insurance.
3. NextDoor app: The NextDoor app allows staff to target messaging to specific areas
or neighborhoods.Accordingly, this is deemed to be an effective means for
improving flood insurance coverage.
4. Social media postings: The Village of Tequesta has developed effective social media
capabilities which can be leveraged to disseminate the flood insurance promotion
message.
PPI 5-year Update 2025 Page 32
5. Government TV Channel: The County's government TV channel can be used for
flood insurance promotion.
6. Outreach to insurance agents about CRS Discounts: Considering that discounted
premiums may incentivize residents who are concerned about costs to consider
purchasing flood insurance, the committee recommended outreach be provided to
flood insurance agents about the community's CRS discount and how to
communicate to clients about the savings that result from the CRS discount.
Narrative summary
Based upon this analysis, it is clear that, despite the Village's flood hazard, the number of flood
insurance policies is relatively small in the community. Accordingly, the committee suggested
that one key message that should be prioritized in its outreaches is the importance of flood
insurance. This message can hopefully serve to increase flood insurance coverage throughout
the community. The whole community could benefit from increased participation in the
securing of flood insurance. Improvements in flood insurance should include all the items
below:
• Increasing the number of insured buildings
• Increasing the number of single-family residential policies.
• Increasing the number of properties with contents coverage
• Increasing the number of rental properties with contents coverage.
In addition to all the projects already listed as a part of the Program for Public Information, the
letter from the Mayor and the use of the NextDoor app are highly recommended to effectively
promote flood insurance.
Technical assistance
The Village is committed to providing technical assistance pertaining to advising people who
have questions about flood insurance, as a way to encourage people to purchase, maintain, or
improve their coverage. This service continues to be advertised to the entire community in the
Smoke Signals newsletter and will be advertised on the website.
ADOPTION
This document will become effective when it is adopted by the Village Council, which is
anticipated in December 2025.
PPI 5-year Update 2025 Page 33