The new FEMA flood changes are on everyone’s mind these day, as the increases went into effect on October 1, 2021. Instead of relying on “flood zones” as a determination of your flood exposure, the new system is referred to as “Rating 2.0,” which is a single risk modeling system that takes into consideration area and proximity to harbor, replacement coverage, frame vs. block construction along with slab vs. pilings. Also considered is prior flood loss. Banks may use flood zones, but insurance companies are going by the new rating system. So what does all of this mean you ask? Well, if you have an existing flood policy your flood insurance will increase approximately 18% per year until you reach the figure FEMA has established as the target figure for your property. If you don’t have flood insurance then you will be subject to the new valuations FEMA has established. When buying a home it is important to find out in the beginning of your negotiations if the current seller is carrying flood insurance, as this will impact your investment in the home significantly. To give you a better understanding of the difference in buying a home where the seller is carrying flood insurance verses one where they aren’t, recently we had a buyer purchasing a home on a gulf access canal. They were quoted $6,700.00 to obtain flood insurance for the home. Thankfully, the seller’s insurance carrier said their policy could be assumed, which saved our buyer a significant amount of money as the seller was paying $1,080.00 for flood insurance. It is important to find out up front when negotiating the purchase of a home if the current homeowner is carrying flood insurance and if the policy can be assumed.NEW Flood Insurance Info
The new FEMA flood changes are on everyone’s mind these day, as the increases went into effect on October 1, 2021. Instead of relying on “flood zones” as a determination of your flood exposure, the new system is referred to as “Rating 2.0,” which is a single risk modeling system that takes into consideration area and proximity to harbor, replacement coverage, frame vs. block construction along with slab vs. pilings. Also considered is prior flood loss. Banks may use flood zones, but insurance companies are going by the new rating system. So what does all of this mean you ask? Well, if you have an existing flood policy your flood insurance will increase approximately 18% per year until you reach the figure FEMA has established as the target figure for your property. If you don’t have flood insurance then you will be subject to the new valuations FEMA has established. When buying a home it is important to find out in the beginning of your negotiations if the current seller is carrying flood insurance, as this will impact your investment in the home significantly. To give you a better understanding of the difference in buying a home where the seller is carrying flood insurance verses one where they aren’t, recently we had a buyer purchasing a home on a gulf access canal. They were quoted $6,700.00 to obtain flood insurance for the home. Thankfully, the seller’s insurance carrier said their policy could be assumed, which saved our buyer a significant amount of money as the seller was paying $1,080.00 for flood insurance. It is important to find out up front when negotiating the purchase of a home if the current homeowner is carrying flood insurance and if the policy can be assumed.
Thanksgiving to me has always been the start of the holiday season. It’s a time where people seem to be a bit more appreciative of the things they’ve received and a desire to share those blessings with others. While we typically think of family and friends sitting around a large dining table decorated in a harvest motif, adorned with a variety of homemade dishes and a succulent roast turkey, I find in recent years my sentiments have turned more to ways we can share our abundance with others less fortunate. However, my thoughts this Thanksgiving season were inspired by a story I recently heard at church from a very special lady whose mission trip years ago to Nicaragua exemplified the true meaning of gratitude that will impact me for the rest of my life.
Gwen initially moved to Punta Gorda to care for her elderly mother who was suffering from age-related dementia, but needing to work, she added, “no one gets rich being a nun for 30 years,” she applied to Sacred Heart Church. Pastor, Jerome “Jerry” Kaywell recognized Gwen’s talents immediately and hired her to be his Pastoral Associate. Technically her role is defined as meeting the pastoral needs of the people of the parish however, to those who know her contributions her handprint can be found in almost every corner of the church. Gwen reflects, “Giving was a family thing. My Mom was very attentive to the needs around her and she seated the responsibility to help others deep in our hearts from my earliest memories. She would often adopt a project and we were always a part of the service.” She recalls one of the most “powerful” examples was when her mom “adopted” a man who lived a few miles from them. The man wasn’t related to them and didn’t have family to take care of him. Gwen’s mother decided that once a month they would bring him food she had frozen from what she made the family the month before. Then on a Saturday every month for years, they would clean his house, tidy his yard, plant flowers, and bring in wood, as he heated his home with only a wood stove. This care for others leads us to the inspiring story Gwen shared with the congregation that touched the lives of everyone present.
Looking back during the time she served as Principal of Seton Catholic High School in Plattsburgh, Gwen said for several years she had been involved with a group called “Mission of Hope.” Created as a result of a mission trip to Nicaragua that was inspired by one family from Nicaragua who attended the school to help their family back in their homeland recover from the mudslides from a devastating hurricane, this non-profit took on a “life of its own.” Today, Gwen adds, “it serves the people of Nicaragua in a multitude of ways from hospitals to eldercare, food to clinics and education to hope.” However, it was that trip to Nicaragua that left a lasting impression.
Gwen’s story reminded me of the bible story of the “Widow’s offering,” found in the twelfth chapter of the book of Mark, verses 41-44. It tells how Jesus sat down opposite the place where the offerings were placed and watched the crowd putting money into the temple treasury. “Many rich people threw in large amounts, but a poor widow came and put in two very small copper coins worth only a few cents.” Jesus called his disciples to him and said, “Truly I tell you, this poor widow has put more into the treasury than all the others. They all gave out of their wealth, but she, out of her poverty, put in everything; all she had to live on.”


Our 8-year-old Avra has decided to be Velma from Scooby-Doo. She was sold on this costume because she is obsessed with animals and getting to carry around a plush Scooby-Doo toy for the evening. She wishes to be a veterinarian one day. On the other hand, our 9-year-old Olivia chose to be an astronaut. This all stems from the recent Inspiration4 Mission. You see this cross-country move mentioned above was all in part of my husband landing his dream job at his dream company, SpaceX. He has been in the aerospace industry for over 14 years and when he was scouted out for a position to be the Lead Non-Destructive Testing Specialist for Composites in Los Angeles, we knew it was an opportunity he couldn’t let pass by.
We discussed the impact of this flight with our daughters and to see the light in their eyes as we counted down to lift off just put it all in perspective. When Halloween decision-making rolled around, Olivia said she wanted to be an astronaut like Hayley. At that moment, we felt so proud that hopefully this path was paved for young girls and space exploration.

Years passed and during that time Jim went through the ranks with the Secret Service starting as a Criminal Investigator, where he was moved through different squads for exceeding quotas of arrests and closed cases, and then to the “West African Task Force” where his responsibility was to thwart and arrest Soviet-backed Nigerians who were fraudulently obtaining birth certificates and drivers licenses to obtain numerous credit cards to buy and sell merchandise illegally. However, this is just the tip of Jim’s illustrious career. “Agent Napolitano” was selected to work on a task force that investigated “The Supernote”, a far superior counterfeit note being used by Middle East terrorist organizations such as Hamas, Hezbollah, and Al Qaida, and was successful in helping standing up the Supernote Task Force that was comprised of the U.S. Secret Service, CIA, and DEA. He was the 160th agent to ever become part of the elite Counter Assault Team under the Presidential Protection Division, which included “training with the Tier 1 Special Operations Forces”. He was a Rescue Swimmer for Presidents George H.W. Bush 41, George W. Bush 43, and Bill Clinton and their families. He was only 1 of 42 agents to be a member of both the C.A.T. and Rescue Swimmer Teams. He went on to be an instructor in Control Tactics and Rescue Swimming, further becoming manager in Water Safety and Emergency Medicine, among other courses he directed for Special Agents.


While most people would like to talk about themselves, Gary and Gail have always put their clients first, and their diverse backgrounds have provided their clients an unparalleled level of service and knowledge throughout the past years.