The trash built up on the roads are a temporary eyesore, the real damage is to the woodland, canals, and mangroves. There is trash strewn all around the area that will never be cleaned up. 2 years on from Ian and there are countless boats still in the mangroves down by Fort Myers Beach. Can you imagine how much garbage is sitting at the bottom of all the waterways? Absolute tragedy.
I know. You're right. Human trash is everywhere and natural disasters spread it even further. Thankfully mother nature just recycles everything over millenia... so once the humans are gone, eventually things will be back in a balance.
And now we also know why decades later you could find jars full of gold or money buried. the owners and the entire estate possibly had washed away in a massive flood, like we saw in NC for example. everything is scoured away, except what was buried 3 feet down.
Fema has nothing to do with actually paying for anything in these situations. No matter if you had flood insurance or not, the 50% rule applies and you have to rebuild using that rule.
Anyone who builds or buys on the water should assume the risk on their own. They should not expect the rest of us to bail them out when, not if, disaster strikes.
@@jerrylundegaard2592 Not everyone who lives near the water is rich. The problem is the cost of insurance in Florida and other states is too high. People can’t afford insurance so they rely on FEMA. The government gives big breaks to multinational corporations, so why shouldn’t every day people get a break. The other issue is maybe the US should just give up on Florida, it’s a small state with a small population, move those people to other states like Mississippi, Alabama and Texas.
Thank You!! I had to move a thousand miles to get away from the hurricane related disasters and leave people behind because being older and retired, keeping a roof over my head is more important.
@@michaelgreen9484 Florida is not a small state with a small population. Florida has a population of around 22.6 million. Only California and Texas have a higher population. Size wise, Florida ranks as number 22 out of 50. Property insurance is an expense in every state. Insurance rates are higher in Florida than most other states due to the fact it is a matter of when, not if, a disaster will hit any area of Florida. It is just a cost of living, as it is in any state. In every state people buy insurance at costs applicable to that location to protect themselves against catastrophic loses. Anyone who does not believe they should pay for adequate insurance should not expect the rest of us to bail them out when disaster hits. Of course, the government should provide basic assistance but people should not expect government to bail them out if they, for whatever reason, choose not to adequately insure their homes. FEMA is not an insurance company and it is not intended to be an insurance company for people who are unwilling to pay for real insurance. In the end, not buying adequate home owners or flood insurance is a risk. Just like placing a bet in Las Vegas. Sometimes the risk taker wins, sometimes the risk taker loses.
You shouldn't live on the beach if you can't afford to rebuild You can't get enough insurance to cover replacement Taxpayers shouldn't have to repeatedly supplement your lifestyle
People want less Government, until shit hits the fan. Then they want the Government to bail them out. If you've got homeowners insurance, take the 10% they will offer, if your lucky, and cash the check before it bounces.
I think the US government needs to write off Florida, and most of the coastal cities. If you live in these places don’t expect the government or the state to help you. Developers and cities should be sued for building in unsafe places.
In the late 1990's when I was in college, the story the climate fear mongering people were saying is that the glaciers are melting and that Florida would be 80% underwater by 2030... we are just 5 years away and I don't see that happening anytime soon.
Where is officially "safe"? Not coastal Florida? Not mountains in North Carolina? Tornado alley? Earthquake prone California? Severe hail? Floods? Blizzards? Should we evacuate Texas as they had a freeze a few years back? What about places that experienced a drought? At what frequency does writing off major portions of the US happen, one in 10k events, one in 1k events one in 100 year events? Humans have nearly always settled near water which means near risk and harsh weather events can happen nearly anywhere so where do we all move to?
If the damage assessment is above 50%,you have 2 choices. Lift the home above current floor plain elevation, plus 2 feet. The second option is to tear down and rebuild to the current elevation requirements. Oh and a possible 3rd option would be to take the buy out option ,if it's a option in your area. Fema would pay you x amount and at that point the house would be torn down and the lot would never be able to be built on again. City or county would take ownership in most cases.
For $250K you can bring in a barge of trees, and cut your own lumber and rebuild. It is the government stopping you from fixing the home that is the problem. Why should they care how much you need to rebuild at all?
@@floridarealestatetv No one is getting screwed by being required to bring properties up to code. IMO no one who takes a total loss should be allowed to rebuild there.
@@AlphaMale_1 After last night you are now free to cancel all the donations to humanity and to take the millionaire money from the government even if it's really just rich mans socialist.
People who can afford these places are insured - taxpayers aren’t funding that. If you have insurance FEMA doesn’t help you. And if you only knew what insurance costs down here - holy smokes A small home not on the beach is 8 grand a year then for a named storm you have to cough up 10 percent of your house value for a deductible If your home is worth 400k (that’s the going price of standard non beach homes around Bradenton Sarasota 3 br 2 bath) then that’s 48,000 you are out of pocket between premiums and named storm deductible… jes sayin
Asking for a bailout is a scam. However this video talks about how they want homeowners to over improve their properties instead of just fixing what's broken. Even if you don't have insurance and you can fix everything yourself, if you qualify for the FEMA 50% rule, you can't do that. You have to RAISE the house!!!!!
@@floridarealestatetv Don't want to raise the house, then don't take any FEMA funds. Simple as that. The taxpayers should not bail out people who are likely to be flooded again and again unless they do the required mitigations. Note: I chose to live in a high and dry inland Florida location rather than near the water due to the well known risk of flooding near the coast.
@@charlescourtney4412 NOT THE CASE AT ALL, NOT THAT SIMPLE. It has nothing to do with you taking the funds from FEMA. It has to do with the county not allowing you to rebuild and not issuing permits unless you comply with the FEMA 50% rule, so they will just get in the way and prevent you from repairing, such as putting up drywall and new cabinets. If you flooded and it's been determined you have significant damage, the county will visit before giving permits and then you're f'd.
The owners of this property took a risk like we all do, and lost. I didn't take THEIR risk, so why do taxpayers have to support them thru FEMA? Pitch a tent if you like living close to the water! FEMA was made for those who lost BIG in TN and NC! They were nowhere close to the water. I support FEMA support there. Finally, when you tickle the dragon's tail repeatedly, and expect a different outcome and on top of that expect rectification for your "folly" by other people (taxpayer expense) that is WRONG.
I do feel for them. Regardless of the location of their home, when someone loses their home, compassion towards the unlucky comes out sometimes. Doesn't mean we should build directly on the beach... but I feel for people's losses. Family heirlooms, their homes, sometimes their second homes, etc. It's sad.
So you want someone in a wheelchair be forced to push himself through an eighth of a mile of beach sand to get to the water? Why not just outlaw hurricanes. Wouldn't that solve the problem? After all if man can create then, then man can destroy them.
Cuz 1/8th of a mile is gonna prevent damage from fire (lahaina), volcano (etna), tornado (milton), tsunami (japan), flooding (Dubai, NC) Natural disasters happen, man made disasters happen EVERYWHERE!!! The point is...does the govt have the right to tell you when and how you rebuild your house on your property....its not a rich person issue...its a property rights issue....think big picture, you either have property rights or you don't. I for one, prefer property rights...just sayin
You build a home on a hurricane area 10 feet from the beach and expect the government to help you pay for it is crazy. Asheville NC was a fluke so I expect them to get help from the government but Florida? Come on people. Build smarter
The max you can get from FEMA is like 42K. Not enough to do anything in these houses. But this video was more about the rules Fema has on permitting you to fix your own house. The fact they can stop you from fixing your house is just crazy.
@@floridarealestatetv that is crazy. Because of all this bs. My wife and I will find something in the Hilton head area. We loved Sarasota when we visited but it's just to much to deal with moving down there.
You got the title wrong. Homeowners are bankrupting FEMA, you goof. As climate change (doesn't look so much like a Chinese hoax now) continues to accelerate, and it will, Federal resources will truly be exhausted at some point. That should make some people very happy based on past statements and policy positions on Federal government funding. Governors of all affected states are working with Federal agencies, and haven't complained. For decades people of a certain political persuasion have voted for lower taxes, smaller government, keep everything local. Sometimes you finally get what you pay for. This isn't the new normal, because there is no new normal. Things will continue to get worse. Guaranteed. We haven't seen anything yet. Looking for accurate Prophesies? Read any Climate Change report from 10-20 years ago. They read like headlines from today.
The whole government is bankrupt. The federal government having become a legalized counterfeiting operation, more than 80 percent of all the dollars in existence have been printed just since 2020. We’re “Going Bankrupt,” Warns Musk: In June, 76% of Income Taxes Went to Finance the Debt
No permits should be issued for a home that is not elevated and made entirely out of concrete. Sorry if people cant afford that but that’s just a preventable tragedy.
Those homes were old homes, probably 40 - 70 years old. They survived that long with no problem. Storms just happen to hit hard in that area. But I do think that homes should be concrete.
The 1st home he showed could have been shored up and filled in with block. The place could have been repaired in a non-extravegant way for $50k.. After all - all house are shelters. A super AC system can cost $10k and a wall unit is $200.. Both will cool a room.
@@LeonardCooperman with respect to elevating homes… there’s one in Bradenton beach that became famous - it’s bright yellow. It was elevated and it got knocked right over into the home next to it doing double the damage Elevating things does not seem like a great solution honestly once you see what happened to some of the elevated places here :( It’s also important to remember that when a lot of these places were permitted? The coastline was back a ways and there was much more beach… even in Sarasota along longboat key, there used to be almost 100 more feet to beach width a few years ago. And the concrete dome homes are another great example. Elevated and made of concrete- yet they ended up in the water and no longer connected to land then Ian destroyed them…
@ I drive by that yellow house almost daily. Elevating a pre existing home to me is not a great idea. My idea would be to drive pilings that elevate the home, not just basically prop it up.
The "rule" is to protect taxpayers. 1) Flood insurance premiums from the feds don't compensate for risk. There are homeowners who have flood insurance who have 0.00001% chance of filing a claim every 100 years, and homeowners who have 50% chance every 100 years, and they are paying close to the same premiums. 2) The Houston rain floods set the standard. There were too many homes who had filed many multiple flood insurance claims over the years. The cities/counties/states/feds needed to implement rules to stop this. --- WSJ, Sept 15, 2017 Brian Harmon had just finished spending over $300,000 to fix his home in Kingwood, Texas, when Hurricane Harvey sent floodwaters “completely over the roof.” The six-bedroom house, which has an indoor swimming pool, sits along the San Jacinto River. It has flooded 22 times since 1979 ....
I heard a couple with 3-1/2" step down into their living room was not covered by flood as insurance considered a basement. I know it's crazy but was on the a Florida news channel...
I saw that too! I don't know how they're getting away from it. Sounds to me like they might have had unpermitted work done and it was not built to code therefore they don't get it covered.
How do you live in places like that without riders on your insurance policies? that's how the people who can afford it do it. otherwise you're counting down until the day you're blown out of there.
Insurance isn't in the business of payout out claims... until they have to. But this video is more about the rules for rebuilding according to the Fema 50% rule. IF the insurance companies offered insurance to bring a house up to code in an event of a fema 50% rule, then I think a lot of people would purchase that policy.
I think your interpretation of the 50% rule was very good. I never of of a FEMA appraiser doing an appraisal on a damaged structure. What USED to be allowed was an appraisal of the damaged structure from a State Certified Appraiser registered and licensed in the state of Florida. Minus any depreciation the appraiser sees fit. That was around 2011. Now I am not sure about today's rules. Great video.
Flood zone is anything less than 13 feet 6inches above high water mark that's why houses in coastal areas are built on stilts so the floor is at least that high
When there is a 12' storm surge, the 4' wall doesn't protect. What if the home was build exactly like that seawall? 2' thick concrete! Maybe then they would still stand.
I live in Western North Carolina and the devastation is unbelievable to comprehend. Here in the mountains, hundreds of miles from the ocean and we have tremendous flood damage. The greatest irony is of the locals who voted for Trump but are now screaming for government help . The very same people who want to defund FEMA want , now want the government to come to their rescue. Elevate, mitigate or relocate for those that elect to build in potential storm prone areas.
The Base Flood Elevation for the beach in this video is probably 12 to 14 feet. Any house built on this beach today will need to have its living areas and all mechanical equipment above the Design Flood Elevation which is one to three feet above the B.F.E. No house on this beach going forward will have ground floor bearing walls or enclosed areas for purposes other than parking and storage. The lack of bearing walls at ground level will require all houses built on this beach to rest on pilings. Nothing manmade shown in this video will remain. It will all be replaced with code compliant construction. The days of slab on grade or continuous foundation on the beach are going the way of the dinosaur.
As someone who moved to the US, I have been surprised by this lousy build quality of using wood almost for the entire house. Even with all the tech in place these things can’t survive multiple hurricanes especially by the beach. Now I have been told Florida is sandy blah blah blah but it’s the same all over the USA. Looking at the remains of these houses they all seem like they built as children’s wooden houses. How many hurricanes does Cuba, babados, Bahamas etc endure? But because of heavy concrete structures they don’t get as much damage other broken windows, broken power lines
I spent time in Puerto Rico for college and I observed that the homes in Puerto Rico are build with blocks with rods and cement poured in the walls reinforced concrete I think... And those homes last forever and it takes a major earthquake to even crack them.. these black homes on the beach just have a little whatever holding the blocks together and nothing in between and then wooden frames?? I personally never would have bought something like that and certainly if I would have had it built it would have had to be cement / concrete or the new construction by onyx which is like metal frames and reinforced walls I don't even understand how homes have wooden frames with termites in Florida or anywhere else?? Even in Africa they are building houses made with bricks made of recycled plastic that are self insulating and very resilient to destruction!!
The code for the buildings themselves should make them a lot more resilient to crashing waves if you live on the beach. But remember these homes are old homes.... decades old. Today's building code does require the homes to be raised high, and the pilings that raise them are HUGE, not just wood 4x4's.
@@floridarealestatetv I think with comment you just made kind of defeat your whole arguement. If a property is destroyed by half it's value, it need to be brought up to code. That is quite simple to understand. Granted the homeowner might need to be able to afford. That is a decision the honeowner has to make and bear the consequences, even if it is an old house. Remember, there will be other storms in the future that will be more catastrophic, and we will be having this same discussion about FEMA.
@@floridarealestatetv Ground floor walls for homes on beaches in Florida today require the walls to have No resilience to the crashing of waves. They must be designed to give in to pressure. The structure above sits on pilings and the walls are merely infill.
Load bearing block walls in Florida are required to have filled cells every 48", on each side of every opening, and at all corners. These cells are filled with concrete and reinforced with vertical rebar which ties into rebar hooks embedded into the concrete foundation below. All block walls have a bond beam at their top which is also reinforced with rebar. If you see a block wall in Florida that does not have all of these things it is because the bearing of the structure or roof above is carried by columns.
LOL, my home value according to the county was only worth 47K. So I am having to get a NEW appraisal because of storm surge. I had an appraisal done when I refinanced in June/July 2023 saying my home is valued at $275,000 for quick sale to $295,000 and they valued the land at ony $35,000 of that--so obviously, my home is worth more than the $47,000. Yet, this appraisal was no good according to FEMA and the county.
Two comments I’d like to make and the first one is don’t tax advice from a realtor who perhaps has a conflict of interest . The second one if a property owner has a reassessment done and the valuation of the property increases, then property tax will automatically be reassessed. This is the classic sword of Damocles.
Regarding property taxes, the tax bill gets reassessed every single year in Florida. Not only do valuations change for the land and any improvements (buildings), but the millage rates also change ever so slightly. Your tax bill will never be the same year to year. By doing the FEMA appraisal that I mention in the video, it doesn't re appraise your building for property tax reasons. However if you pull permits and make improvements to the property, then the value of the dwelling will go up as it has been improved. No matter what, you pay more taxes.
Where are the high and low tides on this beach? The tides round my way have a high and low tide difference of around a mile, you can barely see the sea when the tide goes out, why does it look like this place has no tides.
The entire earth has tides. The hurricane hit at high tide though, so that didn't help. And it gets pretty deep pretty quick, so that's why it appears like there are no tides.
Are you located at a northern latitude like Maine or someplace in England? At latitude 32 degrees North in Savannah, GA the average tide is around 7.5 foot difference between High and Low. Are tides in Maine more like 12 to 15 foot difference? In South Florida, the average difference between High and Low is under four foot.
@@neilrusling-je6zo typically most places here have 4 … 2 hi tides and 2 low tides a day. The gulf is shallow most places and we have tidal swings of 2 to 6 feet most places
@@floridarealestatetvBut we are forced to build "Thier way". Even though thier building codes are for homes to be built with toxic materials, that burn easy, rot, mold, fall apart in storms. Bugs and rodents love it. Constant upkeep and repairs, unhealthy and unsafe. I personally prefer earthen homes which are healthy and safe etc. People need to call building code out for the bs..
It's ridiculous that you don't watch the video and have absolutely no idea about what this video is about, then you tell me to go F myself. Bro, it has NOTHING to do with taxpayers. It has to do with FEMA not allowing homeowners to fix their properties. Nothing to do with handouts.
It's just breaking my heart that these guys aren't going to get any money from FEMA. The multi-millionaires that owned this property and we should shed a tear.
We live real close to that in south venice. We have manasota key as a barrier island to us and we are about 1000 ft in zone A flood area. Houses down the street were flooded but not wind damage like your video. We had heard about 50/50. The houses on Stilts had no flood issues. Dade County code is really a wind code buy now we also have flood risk. Does fema 50/50 also deal with flood risk?
I was on Manasota Key in that video. Those homes had WAVE damage. Waves are super strong and powerful. Houses on stilts mostly didn't have problems, especially the ones built recently. Fema's 50% rule has to do with homes built below base flood elevation, so yes it's mostly about qualifying for flood insurance and flood risk.
@@floridarealestatetv ha - thanks I guess that's the argument with insurance. Wind driven waves as wind damage or as flood damage? anyway - I guess we will see more talk on 50/50 rule.
Hilarious. A $4 million property needing FEMA? Fist thing I noticed was the concrete blocks were not reinforced with rebar and poured concrete. Within a week, I would have rebuilt the walls. By myself. At my Florida home, I only have 10 trash barrels. I have been filling them every week since the hurricane. Be about another 3 months before all is cleared. The governor ordered the dumps to be opened after the hurricane. Two weeks later, the dumps closed on the weekends. Will my trash company pick up today? Don't know. There are two hit and miss pick ups. Barrels and off the ground. I have both out there.
Some of these homes were there for 75 years which is remarkable. But now we've got global warming and flood maps and people should take heed to give the land back to nature where necessary.
FEMA considers each occurrence separately but the town determine that calculation via look back periods and determining what is included and what is not through the significant improvement process.
I realize you didn't watch the video, and that's ok. It's all about the bureaucratic environment imposed by Fema that doesn't allow a homeowner to simply fix their house. They put major hurdles and most of them cost 10x the actual repair cost.
Why should a home-owner, especially if it's not their primary residence, be allowed to pay taxes against one valuation (for tax assessment) and receive benefits based on a higher (actual market) valuation. It's almost as if the local government is robbing itself of income. The government could simply lower it's rate if it doesn't need the tax base, otherwise it's opening the doors for fraud.
No not really a cross the country taxes are not based on fair market value because that can fluctuate drastically from year to year. You need to have a more stable way of determining tax base because you need to determine revenue projections for annual budgets.
@@TheMambomaster absolutely correct. It’s mind-boggling that there is no training regarding flooding and no requirements by the state. That’s why you need a good realtor who continually learns and is well-versed in all aspects of the business like floods, rentals, taxes, insurance, etc. Just someone who knows what they’re talking about but doesn’t offer legal advice.
I WISH YOU COULD. I would buy some of these crazy deals going on. Unfortunately, the counties are in bed with the NFIP and FEMA, so they don't allow you to repair if you don't follow the rules.
@@floridarealestatetvSo true... Some folks here does not have insurance but have enough savings to repair their house, but unfortunately they cant even get a permit approved to even replace whats been damaged.
Why shouldn't the home owner have to re build to code, why wouldn't home owner want rebuild without being up to code, to just to have happen again. the tax payor should not have pay to repair it again without being up to code
If you wait till january you can. Once biden and harris are out Lumber is affordable again. I just heard about another beetle manifestation. Both me and the wife LIKE that gun metal blue lumber. Want it for kitchen cabinets and stairs. Lumber yards around me had no idea what it was.
@@robertsmith2956 To build a home on the barrier islands to code is way more expensive than in most places. I don't expect prices to come down much at all. For some reason which I have never looked into, economists say we need 2% inflation each year to keep the economy healthy. I think it has to do with the fact that we don't have anything backing up our dollar, like gold or other precious metals or materials.
You're right! The concrete seawall is what should be the foundation for the home at the very least. Or maybe the entire first floor! That way it wouldn't just topple over.
I agree with FEMA being messed up. Let's abolish the whole program and start again, and let's skip the 50 50 nonsense. Is FEMA paying 50 percent for the working class people's homes in Lahina Hawaii to rebuild on site? No. There are FEMA monies for relocating to other areas, which hundreds are saying no to.
So when you live on the ocean, you have to pay your Property Insurance and then you have to pay FEMA. Insurance that can be anywhere between 3000 to 10,000 a year extra. So I don't understand why all these people are complaining that FEMA's going bankrupt, because they're fixing these houses. If I'm paying 3000 to $10,000 a year for a house on the ocean and I go 6 years without a storm damaging my property, I should have all that money there to fix my house.
and like all government agencies has made things worse ever since. Just look at the EPA. We have MORE toxic waste sites since they were formed to get rid of them.
I had to have TWO surveys because I was just outside the flood plane. After tornado I pointed to a tree stump mound, and told them, I want the ground built up to that height. A 30 year high flood came thorough, and I was high and dry, the street was underwater. Sadly my drone was not charged. I would have loved to fly it over city hall a couple miles away to see what the city pond looked like. Was weird seeing a flood rush through with blue skies overhead. It was gone in just over an hour.
@@floridarealestatetv Was 6 dump trucks. Wife said they had it piled high beside 300 feet of the driveway. When I got home from work, the bulldozers had already flattened it. It was about $5K. Turns out worth every penny.
"Repair"? What is there left to repair, the foundations are gone, you cannot repair that. Plus you have everything soaked in salt water which would come out and corrode every single piece of metal you use in that house. Pipes, wiring, screws, fittings, HVAC, would all be attacked by the humidity plus salt which just oxides most metals. You need to clear the ground and start from scratch, or you are in for a world of pain.
FEMA 50/50 is stated wrong by this guy doing this video. 50% is not the building sale or market value. It’s for the CASH VALUE of the home! And what idiot wrote that homeowners are bankrupting FEMA? This was a disaster of epic proportions and we have a FEMA to help broke people. Not these rich people who lost everything and probably have insurance.
You're wrong my guy. The 50% rule is that you can only repair if the repairs cost less than 50% of the BUILDING value, according to the county's valuations, or your own specific FEMA appraisal (it does help a lot to do one of these appraisals). What does CASH VALUE even mean? You mean insurance definition of "Actual Cash Value"?? That would be wrong too. And I didn't write that "Homeowners are bankrupting FEMA". I said the opposite, that FEMA is bankrupting homeowners with their strict rules for fixing some flooded homes located below base flood elevation and their 50% rule.
Do a google search on fema 50/50 rule and youll see lots of language with " MARKET VALUE " And, its wrong. This guy described it correctly in this video. I think they like to put out there as vague and confusing so you go talk to your municipality. Fema website spells it out like his video did..
Rebuilt meaning tear down and rebuild, or meaning repaired? Because from my research, a lot of these will have to be torn down and made to be new construction due to the 50% rule.
I'm 58 weather is always different day to day. Keep building wind turbines that suck up natural weather energy and expect it won't change anything I can throw back at you. Mark my words
Not true! If the cost to repair is 50% or more than the value of the building only (no land), and you're below base flood elevation, then you have to bring the home up to today's building codes... and today's building codes say that if you're below base flood elevation, then you have to raise the home on stilts!!!!! Absolutely nuts.
@@floridarealestatetv Stilts will be proven useless once the sand is washed away from under the footers. It's insanity to allow development on sand shorelines.
Wrong. FEMA set up a kangaroo court in Cape Coral, FL after Hurricane Ian and started red-tagging anything and everything...even homes which had NO damage whatsoever!
@@floridarealestatetvraising your home so it doesn’t flood is nuts, I would say that not raising it is nuts. Either way trump is going to defund fema so you won’t have to deal with them anyway
Well in 75 years half of FL and about 100 miles from the coast around the USA will be under water. The one issue will be all these building left which will make very dangerous for shipping ect as coastal area and harbors changes. People really need to think about where they buy and how best to protect you home. But my feeling if I owned the property I would take down the homes and make more like a cabin on stilt and not build something so big, fancy and expensive. Tne whole point is the enjoy the beech. But why are taxpayer helping bailing out people who are buying $5 million dollar homes. But my guess FL maybe one of the cheapest place to buy a home and the most expensive to live in. But we knew about climate change since the 70's and most lf American just called the scientist crazy scientist. I sure Trump will help everyone out thougn after the next emergency after they get rid of the FDA and FEMA. Who care about safe food and medication and emergencies. .😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅
As someone who moved to the US, I have been surprised by this lousy build quality of using wood almost for the entire house. Even with all the tech in place these things can’t survive multiple hurricanes especially by the beach. Now I have been told Florida is sandy blah blah blah but it’s the same all over the USA. Looking at the remains of these houses they all seem like they built as children’s wooden houses. How many hurricanes does Cuba, babados, Bahamas etc endure? But because of heavy concrete structures they don’t get as much damage other broken windows, broken power lines
The trash built up on the roads are a temporary eyesore, the real damage is to the woodland, canals, and mangroves. There is trash strewn all around the area that will never be cleaned up. 2 years on from Ian and there are countless boats still in the mangroves down by Fort Myers Beach. Can you imagine how much garbage is sitting at the bottom of all the waterways? Absolute tragedy.
I know. You're right. Human trash is everywhere and natural disasters spread it even further. Thankfully mother nature just recycles everything over millenia... so once the humans are gone, eventually things will be back in a balance.
And now we also know why decades later you could find jars full of gold or money buried. the owners and the entire estate possibly had washed away in a massive flood, like we saw in NC for example. everything is scoured away, except what was buried 3 feet down.
Since when was FEMA a free homeowners insurance?
Fema has nothing to do with actually paying for anything in these situations. No matter if you had flood insurance or not, the 50% rule applies and you have to rebuild using that rule.
Anyone who builds or buys on the water should assume the risk on their own. They should not expect the rest of us to bail them out when, not if, disaster strikes.
The video is pointing out it isn't them wanting money, it is the government STOPPING them from rebuilding.
Welfare for the rich
@@jerrylundegaard2592 Not everyone who lives near the water is rich. The problem is the cost of insurance in Florida and other states is too high. People can’t afford insurance so they rely on FEMA. The government gives big breaks to multinational corporations, so why shouldn’t every day people get a break. The other issue is maybe the US should just give up on Florida, it’s a small state with a small population, move those people to other states like Mississippi, Alabama and Texas.
Thank You!! I had to move a thousand miles to get away from the hurricane related disasters and leave people behind because being older and retired, keeping a roof over my head is more important.
@@michaelgreen9484 Florida is not a small state with a small population. Florida has a population of around 22.6 million. Only California and Texas have a higher population. Size wise, Florida ranks as number 22 out of 50.
Property insurance is an expense in every state. Insurance rates are higher in Florida than most other states due to the fact it is a matter of when, not if, a disaster will hit any area of Florida. It is just a cost of living, as it is in any state.
In every state people buy insurance at costs applicable to that location to protect themselves against catastrophic loses. Anyone who does not believe they should pay for adequate insurance should not expect the rest of us to bail them out when disaster hits.
Of course, the government should provide basic assistance but people should not expect government to bail them out if they, for whatever reason, choose not to adequately insure their homes. FEMA is not an insurance company and it is not intended to be an insurance company for people who are unwilling to pay for real insurance.
In the end, not buying adequate home owners or flood insurance is a risk. Just like placing a bet in Las Vegas. Sometimes the risk taker wins, sometimes the risk taker loses.
Why were people allowed to build that close to the ocean in a hurricane prone area like Florida?
They were built many years ago when you were free to build what you wanted.
Mostly greed
Not all of them, but yes, the regulations have changed a lot over the decades.
hmm, they lived in a FREE country when they did it?
@@robertsmith2956that’s fine but most of them are Republicans and last time I checked Republicans don’t like government handouts
You shouldn't live on the beach if you can't afford to rebuild
You can't get enough insurance to cover replacement
Taxpayers shouldn't have to repeatedly supplement your lifestyle
People want less Government, until shit hits the fan. Then they want the Government to bail them out. If you've got homeowners insurance, take the 10% they will offer, if your lucky, and cash the check before it bounces.
I think the US government needs to write off Florida, and most of the coastal cities. If you live in these places don’t expect the government or the state to help you. Developers and cities should be sued for building in unsafe places.
@@geocam2at some point Florida might not exist anymore along with other states. Maybe in a hundred years or so.
Not gonna happen
exactly
In the late 1990's when I was in college, the story the climate fear mongering people were saying is that the glaciers are melting and that Florida would be 80% underwater by 2030... we are just 5 years away and I don't see that happening anytime soon.
Where is officially "safe"? Not coastal Florida? Not mountains in North Carolina? Tornado alley? Earthquake prone California? Severe hail? Floods? Blizzards? Should we evacuate Texas as they had a freeze a few years back? What about places that experienced a drought?
At what frequency does writing off major portions of the US happen, one in 10k events, one in 1k events one in 100 year events?
Humans have nearly always settled near water which means near risk and harsh weather events can happen nearly anywhere so where do we all move to?
If the damage assessment is above 50%,you have 2 choices.
Lift the home above current floor plain elevation, plus 2 feet.
The second option is to tear down and rebuild to the current elevation requirements.
Oh and a possible 3rd option would be to take the buy out
option ,if it's a option in
your area. Fema would pay you x amount and at that point the house would be torn down and the lot would never be able to be built on again. City or county would take ownership in most cases.
I disagree. Mother Nature is bankrupting homeowners. To own such property you need to be wealthy enough to self-insure.
Mother nature is surely having her way with humans...
It is weather warfare. Manmade and purposeful. Nothing natural about it
For $250K you can bring in a barge of trees, and cut your own lumber and rebuild. It is the government stopping you from fixing the home that is the problem. Why should they care how much you need to rebuild at all?
It reminds me of people who spend most of their extra money trying to own a car they clearly can't afford. always on the edge with it.
Taxpayers shouldn't be giving a penny to fix private homes.
They're not. You should watch the video. It has nothing to do with taxpayers. It has to do with the rules that screw homeowners.
@@floridarealestatetv No one is getting screwed by being required to bring properties up to code. IMO no one who takes a total loss should be allowed to rebuild there.
Taxpayer funding of millionaires while many go without.
That happens too!
Millionaire's taxes funding food stamps, section 8 housing, welfare, disability, prisons, "earned income" payments, etc, etc,... for decades
@@AlphaMale_1 After last night you are now free to cancel all the donations to humanity and to take the millionaire money from the government even if it's really just rich mans socialist.
People who can afford these places are insured - taxpayers aren’t funding that. If you have insurance FEMA doesn’t help you. And if you only knew what insurance costs down here - holy smokes
A small home not on the beach is 8 grand a year then for a named storm you have to cough up 10 percent of your house value for a deductible
If your home is worth 400k (that’s the going price of standard non beach homes around Bradenton Sarasota 3 br 2 bath) then that’s 48,000 you are out of pocket between premiums and named storm deductible… jes sayin
@@AlphaMale_1 It may never stop
Only scam is homeowners wanting a bailout
Asking for a bailout is a scam. However this video talks about how they want homeowners to over improve their properties instead of just fixing what's broken. Even if you don't have insurance and you can fix everything yourself, if you qualify for the FEMA 50% rule, you can't do that. You have to RAISE the house!!!!!
@@floridarealestatetv Don't want to raise the house, then don't take any FEMA funds. Simple as that. The taxpayers should not bail out people who are likely to be flooded again and again unless they do the required mitigations. Note: I chose to live in a high and dry inland Florida location rather than near the water due to the well known risk of flooding near the coast.
@@charlescourtney4412 Very true. Why should I pay for them to rebuild in such areas?
@@charlescourtney4412 NOT THE CASE AT ALL, NOT THAT SIMPLE. It has nothing to do with you taking the funds from FEMA. It has to do with the county not allowing you to rebuild and not issuing permits unless you comply with the FEMA 50% rule, so they will just get in the way and prevent you from repairing, such as putting up drywall and new cabinets. If you flooded and it's been determined you have significant damage, the county will visit before giving permits and then you're f'd.
@@charlescourtney4412 this is why most of Florida and other coastal cities need to be condemned. Let the land go back to nature.
FEMA isn't bankrupting anybody. Primary residences never should have been built here in the first place. Same thing with parts of Houston, Texas.
The owners of this property took a risk like we all do, and lost. I didn't take THEIR risk, so why do taxpayers have to support them thru FEMA? Pitch a tent if you like living close to the water! FEMA was made for those who lost BIG in TN and NC! They were nowhere close to the water. I support FEMA support there. Finally, when you tickle the dragon's tail repeatedly, and expect a different outcome and on top of that expect rectification for your "folly" by other people (taxpayer expense) that is WRONG.
goood and no i don't feel for them - that and all land within 1/8 th of a mile of the shoreline should not be built on
I do feel for them. Regardless of the location of their home, when someone loses their home, compassion towards the unlucky comes out sometimes. Doesn't mean we should build directly on the beach... but I feel for people's losses. Family heirlooms, their homes, sometimes their second homes, etc. It's sad.
So you want someone in a wheelchair be forced to push himself through an eighth of a mile of beach sand to get to the water?
Why not just outlaw hurricanes. Wouldn't that solve the problem? After all if man can create then, then man can destroy them.
Cuz 1/8th of a mile is gonna prevent damage from fire (lahaina), volcano (etna), tornado (milton), tsunami (japan), flooding (Dubai, NC) Natural disasters happen, man made disasters happen EVERYWHERE!!! The point is...does the govt have the right to tell you when and how you rebuild your house on your property....its not a rich person issue...its a property rights issue....think big picture, you either have property rights or you don't. I for one, prefer property rights...just sayin
Correction: Homeowners are bankrupting FEMA.
I don't think so... when the 50% rule gets involved, that's bankrupts the homeowners.
Agreed, building homes on sand shorelines is a terrible idea.
@@Suds. Although it's beautiful, it's one of the worst ideas if hurricanes are a thing.
@@floridarealestatetv A natural shoreline is beautiful. A shoreline clogged by development is ugly, in my opinion.
Fema is not anyone's friend. It wasn't created to help people during disasters. It's there to take from people.
You build a home on a hurricane area 10 feet from the beach and expect the government to help you pay for it is crazy. Asheville NC was a fluke so I expect them to get help from the government but Florida? Come on people. Build smarter
The max you can get from FEMA is like 42K. Not enough to do anything in these houses. But this video was more about the rules Fema has on permitting you to fix your own house. The fact they can stop you from fixing your house is just crazy.
@@floridarealestatetv that is crazy. Because of all this bs. My wife and I will find something in the Hilton head area. We loved Sarasota when we visited but it's just to much to deal with moving down there.
They should never have built on the ground more like 12 feet up and if not you don't get anything
Perhaps the rules will change one day.. I think they should.
The correct term is "The damage assessment "
Learned from experience here in SC.
flood and storm insurance....not fema is what the owners should have
What’s bankrupting homeowners is a lack of adequate insurance.
You got the title wrong. Homeowners are bankrupting FEMA, you goof.
As climate change (doesn't look so much like a Chinese hoax now) continues to accelerate, and it will, Federal resources will truly be exhausted at some point. That should make some people very happy based on past statements and policy positions on Federal government funding. Governors of all affected states are working with Federal agencies, and haven't complained. For decades people of a certain political persuasion have voted for lower taxes, smaller government, keep everything local. Sometimes you finally get what you pay for. This isn't the new normal, because there is no new normal. Things will continue to get worse. Guaranteed. We haven't seen anything yet. Looking for accurate Prophesies? Read any Climate Change report from 10-20 years ago. They read like headlines from today.
It should be "FEMA's 50% rule is bankrupting homeowners".
The whole government is bankrupt. The federal government having become a legalized counterfeiting operation, more than 80 percent of all the dollars in existence have been printed just since 2020.
We’re “Going Bankrupt,” Warns Musk: In June, 76% of Income Taxes Went to Finance the Debt
So when this doesn't happen again for a long time what will be your excuse?
Three times I don't think so one time and one time only if they rebuild again in the same spot you shouldn't get anything
I think that certain high risk areas should not allow for flood insurance or relief from FEMA. It's kind of obvious they will flood sooner or later.
I don't give a rats behind about millionaires who buy the beach so the public can't enjoy it too.
Thanks for sharing.
No permits should be issued for a home that is not elevated and made entirely out of concrete. Sorry if people cant afford that but that’s just a preventable tragedy.
Those homes were old homes, probably 40 - 70 years old. They survived that long with no problem. Storms just happen to hit hard in that area. But I do think that homes should be concrete.
The 1st home he showed could have been shored up and filled in with block. The place could have been repaired in a non-extravegant way for $50k.. After all - all house are shelters. A super AC system can cost $10k and a wall unit is $200.. Both will cool a room.
@@LeonardCooperman with respect to elevating homes… there’s one in Bradenton beach that became famous - it’s bright yellow. It was elevated and it got knocked right over into the home next to it doing double the damage
Elevating things does not seem like a great solution honestly once you see what happened to some of the elevated places here :(
It’s also important to remember that when a lot of these places were permitted? The coastline was back a ways and there was much more beach… even in Sarasota along longboat key, there used to be almost 100 more feet to beach width a few years ago. And the concrete dome homes are another great example. Elevated and made of concrete- yet they ended up in the water and no longer connected to land then Ian destroyed them…
@ I drive by that yellow house almost daily. Elevating a pre existing home to me is not a great idea. My idea would be to drive pilings that elevate the home, not just basically prop it up.
@ yes! Like that crazy place in Mexico beach that was the last house standing a few years ago
Looks like we'll own nothing and be happy by 2030. Right on schedule!
The "rule" is to protect taxpayers. 1) Flood insurance premiums from the feds don't compensate for risk. There are homeowners who have flood insurance who have 0.00001% chance of filing a claim every 100 years, and homeowners who have 50% chance every 100 years, and they are paying close to the same premiums. 2) The Houston rain floods set the standard. There were too many homes who had filed many multiple flood insurance claims over the years. The cities/counties/states/feds needed to implement rules to stop this.
---
WSJ, Sept 15, 2017
Brian Harmon had just finished spending over $300,000 to fix his home in Kingwood, Texas, when Hurricane Harvey sent floodwaters “completely over the roof.”
The six-bedroom house, which has an indoor swimming pool, sits along
the San Jacinto River. It has flooded 22 times since 1979 ....
I heard a couple with 3-1/2" step down into their living room was not covered by flood as insurance considered a basement. I know it's crazy but was on the a Florida news channel...
I saw that too! I don't know how they're getting away from it. Sounds to me like they might have had unpermitted work done and it was not built to code therefore they don't get it covered.
@@floridarealestatetv If it is not covered, then the cost to fix it should also not be counted.
The mailboxes were all on the same side of the street across from the homes. This happens a lot in rural areas.
Keeps your carrier safer in their little truck. figure it out.
true
yep
I heard a story someplace, about building your house on solid rock instead of sand.. anyone remember that?
Building on sand is so obviously going to cause trouble....
If the Foundation is whole, the rest is just Superstructure.
How do you live in places like that without riders on your insurance policies? that's how the people who can afford it do it. otherwise you're counting down until the day you're blown out of there.
Insurance isn't in the business of payout out claims... until they have to. But this video is more about the rules for rebuilding according to the Fema 50% rule. IF the insurance companies offered insurance to bring a house up to code in an event of a fema 50% rule, then I think a lot of people would purchase that policy.
Seems like getting INSURANCE on these barrier islands is going to become unaffordable. What insurer can afford these payouts?
Insurance keeps going up, that's for sure. Eventually Florida could be filled with the ultra wealthy... the only people who can afford to live here.
Never build on a sand bar fool...
It's as old advice as time.... but humans still do it.
I think your interpretation of the 50% rule was very good. I never of of a FEMA appraiser doing an appraisal on a damaged structure. What USED to be allowed was an appraisal of the damaged structure from a State Certified Appraiser registered and licensed in the state of Florida. Minus any depreciation the appraiser sees fit. That was around 2011. Now I am not sure about today's rules. Great video.
Flood zone is anything less than 13 feet 6inches above high water mark that's why houses in coastal areas are built on stilts so the floor is at least that high
There is no way homes should ever have been built that close the inevitable was bound happen
Unless it's a bamboo hut...
Also, why do they call those concrete walls “seawalls”? They don’t seem to protect anything from the sea.
When there is a 12' storm surge, the 4' wall doesn't protect. What if the home was build exactly like that seawall? 2' thick concrete! Maybe then they would still stand.
I live in Western North Carolina and the devastation is unbelievable to comprehend. Here in the mountains, hundreds of miles from the ocean and we have tremendous flood damage. The greatest irony is of the locals who voted for Trump but are now screaming for government help . The very same people who want to defund FEMA want , now want the government to come to their rescue. Elevate, mitigate or relocate for those that elect to build in potential storm prone areas.
Homeowners are shocked when they find that there is skin in this game.
Hopefully we will build fewer things six inches from sea-level.
Even Gilligan went with simple bamboo huts.
The Base Flood Elevation for the beach in this video is probably 12 to 14 feet. Any house built on this beach today will need to have its living areas and all mechanical equipment above the Design Flood Elevation which is one to three feet above the B.F.E. No house on this beach going forward will have ground floor bearing walls or enclosed areas for purposes other than parking and storage. The lack of bearing walls at ground level will require all houses built on this beach to rest on pilings. Nothing manmade shown in this video will remain. It will all be replaced with code compliant construction. The days of slab on grade or continuous foundation on the beach are going the way of the dinosaur.
As someone who moved to the US, I have been surprised by this lousy build quality of using wood almost for the entire house. Even with all the tech in place these things can’t survive multiple hurricanes especially by the beach. Now I have been told Florida is sandy blah blah blah but it’s the same all over the USA.
Looking at the remains of these houses they all seem like they built as children’s wooden houses. How many hurricanes does Cuba, babados, Bahamas etc endure? But because of heavy concrete structures they don’t get as much damage other broken windows, broken power lines
I spent time in Puerto Rico for college and I observed that the homes in Puerto Rico are build with blocks with rods and cement poured in the walls reinforced concrete I think... And those homes last forever and it takes a major earthquake to even crack them.. these black homes on the beach just have a little whatever holding the blocks together and nothing in between and then wooden frames?? I personally never would have bought something like that and certainly if I would have had it built it would have had to be cement / concrete or the new construction by onyx which is like metal frames and reinforced walls I don't even understand how homes have wooden frames with termites in Florida or anywhere else?? Even in Africa they are building houses made with bricks made of recycled plastic that are self insulating and very resilient to destruction!!
You are exwbtly spot on! I live in Puerto Rico, and we never do tinker-toy Florida construction.
The code for the buildings themselves should make them a lot more resilient to crashing waves if you live on the beach. But remember these homes are old homes.... decades old. Today's building code does require the homes to be raised high, and the pilings that raise them are HUGE, not just wood 4x4's.
@@floridarealestatetv I think with comment you just made kind of defeat your whole arguement. If a property is destroyed by half it's value, it need to be brought up to code. That is quite simple to understand. Granted the homeowner might need to be able to afford. That is a decision the honeowner has to make and bear the consequences, even if it is an old house. Remember, there will be other storms in the future that will be more catastrophic, and we will be having this same discussion about FEMA.
@@floridarealestatetv Ground floor walls for homes on beaches in Florida today require the walls to have No resilience to the crashing of waves. They must be designed to give in to pressure. The structure above sits on pilings and the walls are merely infill.
Load bearing block walls in Florida are required to have filled cells every 48", on each side of every opening, and at all corners. These cells are filled with concrete and reinforced with vertical rebar which ties into rebar hooks embedded into the concrete foundation below. All block walls have a bond beam at their top which is also reinforced with rebar. If you see a block wall in Florida that does not have all of these things it is because the bearing of the structure or roof above is carried by columns.
And no home for the homeless ......😊
No home for the rich either
LOL, my home value according to the county was only worth 47K. So I am having to get a NEW appraisal because of storm surge. I had an appraisal done when I refinanced in June/July 2023 saying my home is valued at $275,000 for quick sale to $295,000 and they valued the land at ony $35,000 of that--so obviously, my home is worth more than the $47,000. Yet, this appraisal was no good according to FEMA and the county.
FEMA excepts Certified Appraisals see FEMA.gov
Correct, you have to do a specific FEMA appraisal. Different form.
That's some BS right there! You have a recent freakin appraisal that any bank would accept and the govt is saying no??? How is that even allowed???
Two comments I’d like to make and the first one is don’t tax advice from a realtor who perhaps has a conflict of interest . The second one if a property owner has a reassessment done and the valuation of the property increases, then property tax will automatically be reassessed. This is the classic sword of Damocles.
Regarding property taxes, the tax bill gets reassessed every single year in Florida. Not only do valuations change for the land and any improvements (buildings), but the millage rates also change ever so slightly. Your tax bill will never be the same year to year. By doing the FEMA appraisal that I mention in the video, it doesn't re appraise your building for property tax reasons. However if you pull permits and make improvements to the property, then the value of the dwelling will go up as it has been improved. No matter what, you pay more taxes.
Where are the high and low tides on this beach? The tides round my way have a high and low tide difference of around a mile, you can barely see the sea when the tide goes out, why does it look like this place has no tides.
The entire earth has tides. The hurricane hit at high tide though, so that didn't help. And it gets pretty deep pretty quick, so that's why it appears like there are no tides.
Are you located at a northern latitude like Maine or someplace in England? At latitude 32 degrees North in Savannah, GA the average tide is around 7.5 foot difference between High and Low. Are tides in Maine more like 12 to 15 foot difference? In South Florida, the average difference between High and Low is under four foot.
Left coast has shallow oceanfront, east coast drops deep fast.
@@neilrusling-je6zo typically most places here have 4 … 2 hi tides and 2 low tides a day. The gulf is shallow most places and we have tidal swings of 2 to 6 feet most places
@@chetmyers7041 That's good because every foot matters here. This land is pretty much flat throughout the state (there are a few exceptions)
"Allowed", as if we're children.
Their building codes are a joke, obviously.
They have "high standards" which costs us more... but then they get devastated anyway.
@@floridarealestatetvBut we are forced to build "Thier way". Even though thier building codes are for homes to be built with toxic materials, that burn easy, rot, mold, fall apart in storms. Bugs and rodents love it. Constant upkeep and repairs, unhealthy and unsafe. I personally prefer earthen homes which are healthy and safe etc. People need to call building code out for the bs..
Hey maybe the taxpayers should rebuild every home at whatever cost for eternity. GFY
It's ridiculous that you don't watch the video and have absolutely no idea about what this video is about, then you tell me to go F myself. Bro, it has NOTHING to do with taxpayers. It has to do with FEMA not allowing homeowners to fix their properties. Nothing to do with handouts.
It's just breaking my heart that these guys aren't going to get any money from FEMA. The multi-millionaires that owned this property and we should shed a tear.
We live real close to that in south venice. We have manasota key as a barrier island to us and we are about 1000 ft in zone A flood area. Houses down the street were flooded but not wind damage like your video. We had heard about 50/50. The houses on Stilts had no flood issues. Dade County code is really a wind code buy now we also have flood risk. Does fema 50/50 also deal with flood risk?
I was on Manasota Key in that video. Those homes had WAVE damage. Waves are super strong and powerful. Houses on stilts mostly didn't have problems, especially the ones built recently. Fema's 50% rule has to do with homes built below base flood elevation, so yes it's mostly about qualifying for flood insurance and flood risk.
@@floridarealestatetv ha - thanks I guess that's the argument with insurance. Wind driven waves as wind damage or as flood damage? anyway - I guess we will see more talk on 50/50 rule.
Give the beaches back to the public and only allow mobile refreshment stands to supply drink and snacks!!!
Hilarious. A $4 million property needing FEMA? Fist thing I noticed was the concrete blocks were not reinforced with rebar and poured concrete. Within a week, I would have rebuilt the walls. By myself.
At my Florida home, I only have 10 trash barrels. I have been filling them every week since the hurricane. Be about another 3 months before all is cleared.
The governor ordered the dumps to be opened after the hurricane. Two weeks later, the dumps closed on the weekends.
Will my trash company pick up today? Don't know. There are two hit and miss pick ups. Barrels and off the ground. I have both out there.
If you build on a sandbar, you have to be ready to deal with mother nature and zoning rules
Some of these homes were there for 75 years which is remarkable. But now we've got global warming and flood maps and people should take heed to give the land back to nature where necessary.
FEMA considers each occurrence separately but the town determine that calculation via look back periods and determining what is included and what is not through the significant improvement process.
Florida weather is to blame...not fema
I realize you didn't watch the video, and that's ok. It's all about the bureaucratic environment imposed by Fema that doesn't allow a homeowner to simply fix their house. They put major hurdles and most of them cost 10x the actual repair cost.
The weather bankrupts homeowners. Move.
This Is What We Call: Build Back Better... And Bidenomics!!! 🤬
Old houses should just be built back... no need to raise it 10' in the air... but that's not what FEMA is making homeowners do.
Why should a home-owner, especially if it's not their primary residence, be allowed to pay taxes against one valuation (for tax assessment) and receive benefits based on a higher (actual market) valuation. It's almost as if the local government is robbing itself of income. The government could simply lower it's rate if it doesn't need the tax base, otherwise it's opening the doors for fraud.
No not really a cross the country taxes are not based on fair market value because that can fluctuate drastically from year to year. You need to have a more stable way of determining tax base because you need to determine revenue projections for annual budgets.
A fool builds his house on the sand!
A rich one.
Realtors are NOT trained in the NFIP. Realtors have no required Continuing education on Flood Plain training.
@@TheMambomaster absolutely correct. It’s mind-boggling that there is no training regarding flooding and no requirements by the state. That’s why you need a good realtor who continually learns and is well-versed in all aspects of the business like floods, rentals, taxes, insurance, etc. Just someone who knows what they’re talking about but doesn’t offer legal advice.
Suppose you don't ask or except FEMA money? Can you repair on your own without bringing it up to code? Ty
I WISH YOU COULD. I would buy some of these crazy deals going on. Unfortunately, the counties are in bed with the NFIP and FEMA, so they don't allow you to repair if you don't follow the rules.
@@floridarealestatetvSo true... Some folks here does not have insurance but have enough savings to repair their house, but unfortunately they cant even get a permit approved to even replace whats been damaged.
I heard Trump had a go fund me maybe he can help bail all these people out with that money?
Why shouldn't the home owner have to re build to code, why wouldn't home owner want rebuild without being up to code, to just to have happen again.
the tax payor should not have pay to repair it again without being up to code
No, you can't build back those homes for $500,000.
If you wait till january you can. Once biden and harris are out Lumber is affordable again.
I just heard about another beetle manifestation. Both me and the wife LIKE that gun metal blue lumber. Want it for kitchen cabinets and stairs. Lumber yards around me had no idea what it was.
@@robertsmith2956 Cocoa Puffs
@@robertsmith2956 To build a home on the barrier islands to code is way more expensive than in most places. I don't expect prices to come down much at all. For some reason which I have never looked into, economists say we need 2% inflation each year to keep the economy healthy. I think it has to do with the fact that we don't have anything backing up our dollar, like gold or other precious metals or materials.
Never bring a house on the beach
it is the fault of the people who buy such properties. not fema or anyone else.
Impressive that the sea wall is still standing .. guess that is how much concrete needs to go into the foundation since those blocks look like legos.
You're right! The concrete seawall is what should be the foundation for the home at the very least. Or maybe the entire first floor! That way it wouldn't just topple over.
Oh, I thought that was something new put in afterwards. I would think support rods like that would be against code, tripping hazzard and all that.
It's a five year look back on all improvements not per storm
Awwwww. NOT!
You don't feel for the people that lost their home?
I agree with FEMA being messed up. Let's abolish the whole program and start again, and let's skip the 50 50 nonsense.
Is FEMA paying 50 percent for the working class people's homes in Lahina Hawaii to rebuild on site? No. There are FEMA monies for relocating to other areas, which hundreds are saying no to.
The green house has been raised.
Not sure what you mean. What green house?
You have to raze it or raise it?
You have to raze it TO raise it.
So when you live on the ocean, you have to pay your Property Insurance and then you have to pay FEMA. Insurance that can be anywhere between 3000 to 10,000 a year extra. So I don't understand why all these people are complaining that FEMA's going bankrupt, because they're fixing these houses. If I'm paying 3000 to $10,000 a year for a house on the ocean and I go 6 years without a storm damaging my property, I should have all that money there to fix my house.
FEMA 213 has been around since 1991
I appreciate that. I'm continually researching this since there are some comments that shed light on this for me. I'll study it further.
and like all government agencies has made things worse ever since. Just look at the EPA. We have MORE toxic waste sites since they were formed to get rid of them.
More tax money for the counties.
Check the local flood plain ordinance
In my area, Sarasota County, it's standard stuff. But other counties have stricter guidelines.
I had to have TWO surveys because I was just outside the flood plane. After tornado I pointed to a tree stump mound, and told them, I want the ground built up to that height. A 30 year high flood came thorough, and I was high and dry, the street was underwater. Sadly my drone was not charged. I would have loved to fly it over city hall a couple miles away to see what the city pond looked like. Was weird seeing a flood rush through with blue skies overhead. It was gone in just over an hour.
@@robertsmith2956 Wow, how much did it cost you to fill that much? I presume about 2 feet?
@@floridarealestatetv Was 6 dump trucks.
Wife said they had it piled high beside 300 feet of the driveway. When I got home from work, the bulldozers had already flattened it. It was about $5K. Turns out worth every penny.
Those two homes, if they were mine, I could easily repair them for myself for under $200000 or $250000.
Repair, yes. Bring them up to code? No.
"Repair"? What is there left to repair, the foundations are gone, you cannot repair that. Plus you have everything soaked in salt water which would come out and corrode every single piece of metal you use in that house. Pipes, wiring, screws, fittings, HVAC, would all be attacked by the humidity plus salt which just oxides most metals. You need to clear the ground and start from scratch, or you are in for a world of pain.
County won't let you. That's the scam I keep talking about in the video. It's bullshit.
Very true. Those homes are toast.
FEMA 50/50 is stated wrong by this guy doing this video. 50% is not the building sale or market value. It’s for the CASH VALUE of the home! And what idiot wrote that homeowners are bankrupting FEMA? This was a disaster of epic proportions and we have a FEMA to help broke people. Not these rich people who lost everything and probably have insurance.
Insurance = ME expecting YOU to pay for my bad decisions and actions. Building in flood zones has to be about as stupid as one can get.
You're wrong my guy. The 50% rule is that you can only repair if the repairs cost less than 50% of the BUILDING value, according to the county's valuations, or your own specific FEMA appraisal (it does help a lot to do one of these appraisals). What does CASH VALUE even mean? You mean insurance definition of "Actual Cash Value"?? That would be wrong too. And I didn't write that "Homeowners are bankrupting FEMA". I said the opposite, that FEMA is bankrupting homeowners with their strict rules for fixing some flooded homes located below base flood elevation and their 50% rule.
Do a google search on fema 50/50 rule and youll see lots of language with " MARKET VALUE " And, its wrong. This guy described it correctly in this video. I think they like to put out there as vague and confusing so you go talk to your municipality. Fema website spells it out like his video did..
Building code change 4th quarter of 2023.
It changes all the time too!
You have un-qualified information. Its the Market Structure. The structure can be rebuilt to compliant "V" zone requirements.
Rebuilt meaning tear down and rebuild, or meaning repaired? Because from my research, a lot of these will have to be torn down and made to be new construction due to the 50% rule.
🤗 JESUS JESUS JESUS WHAT A WONDERFUL FRIEND ❣️🕊️
Tell me climate change is coming without telling me it’s happening😂😂😂
I'm 58 weather is always different day to day. Keep building wind turbines that suck up natural weather energy and expect it won't change anything I can throw back at you. Mark my words
❤
You build in flood plains and blame others, typical
The rule isn't a scam, the homeowners in this case are, and this is a really stupid channel yacker too.
You are always allowed to just repair it. You only have to follow FEMA rules if you want FEMA's help
Not true! If the cost to repair is 50% or more than the value of the building only (no land), and you're below base flood elevation, then you have to bring the home up to today's building codes... and today's building codes say that if you're below base flood elevation, then you have to raise the home on stilts!!!!! Absolutely nuts.
@@floridarealestatetv Stilts will be proven useless once the sand is washed away from under the footers. It's insanity to allow development on sand shorelines.
Wrong. FEMA set up a kangaroo court in Cape Coral, FL after Hurricane Ian and started red-tagging anything and everything...even homes which had NO damage whatsoever!
@floridarealestatetv How many times should a home be rebuilt after flooding and who pays for it ?
@@floridarealestatetvraising your home so it doesn’t flood is nuts, I would say that not raising it is nuts. Either way trump is going to defund fema so you won’t have to deal with them anyway
Well in 75 years half of FL and about 100 miles from the coast around the USA will be under water. The one issue will be all these building left which will make very dangerous for shipping ect as coastal area and harbors changes. People really need to think about where they buy and how best to protect you home. But my feeling if I owned the property I would take down the homes and make more like a cabin on stilt and not build something so big, fancy and expensive. Tne whole point is the enjoy the beech. But why are taxpayer helping bailing out people who are buying $5 million dollar homes. But my guess FL maybe one of the cheapest place to buy a home and the most expensive to live in. But we knew about climate change since the 70's and most lf American just called the scientist crazy scientist. I sure Trump will help everyone out thougn after the next emergency after they get rid of the FDA and FEMA. Who care about safe food and medication and emergencies. .😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅
Ya ok never listen to experts presented to you (aka our finest salesman) I was promised an Ice Age in the 70's
As someone who moved to the US, I have been surprised by this lousy build quality of using wood almost for the entire house. Even with all the tech in place these things can’t survive multiple hurricanes especially by the beach. Now I have been told Florida is sandy blah blah blah but it’s the same all over the USA.
Looking at the remains of these houses they all seem like they built as children’s wooden houses. How many hurricanes does Cuba, babados, Bahamas etc endure? But because of heavy concrete structures they don’t get as much damage other broken windows, broken power lines