Stakeholder Meeting
July 10th 2013
5:00-7:00pm
Corless Auditorium, URI Bay Campus
Project Goal
• Through a public process help develop innovative
and practical policies and tools for managing
development ...
Thank you!
• Rhode Island Bays, Rivers and Watershed
Coordination Team
• URI Coastal Institute
• Rhode Island Foundation
•...
Project Update
April 2013- Kick off Meeting
Policy and Adaptation
Review is underway
Field work, Mapping & Modeling
Areas ...
Audience Polling
Test Question: Have you lived
in Rhode Island 10 years or
longer?
A. Yes
B. No
C. I don’t live in Rhode
Island
D. I don’t ...
How would you best
characterize your affiliation?
A. Local official/board
B. State agency
C. Federal agency
D. University/...
Are you a property owner?
A. Yes, my primary
residence is in RI
B. Yes, my secondary
residence is in RI
C. Yes, I own busi...
Do you currently have flood
insurance?
A. No, and I do not intend to
purchase flood insurance in
the next year
B. No, but ...
If you do have flood insurance,
do you own a home/building
built before 1975?
A. Yes
B. No
C. I don’t have flood
insurance...
RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY
National Flood Insurance
Reforms – What d...
RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY
National Flood Insurance Program
Backgrou...
RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY
The NFIP: How It Works
RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY
Flood Insurance Facts
• Standard homeowne...
RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY
Rhode Island NFIP Facts
• All 39 communit...
RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY
Important Terms
• Base Flood: Flood that ...
RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY
Mapping: Why New Maps?
• There is a natio...
RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY
Projected Effective Dates
• Bristol Count...
RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY
• Congress passed the Flood Insurance Ref...
RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY
• Revised Premium Rates
– V Zones (Coasta...
RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY
• Not everyone – 43% of NFIP policies in ...
RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY
Current & Upcoming Insurance Rate Changes...
RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY
Changes for Non-Primary Residences
• Rate...
RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY
Changes to Other Subsidized Rates
 Premi...
RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY
Subsidized Policies By County
# of Subsid...
RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY
Direct Move to Full-Risk Rates
 After th...
RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY
RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY
What about when a new flood map is adopte...
RHODE ISLAND EMERGENCY MANAGEMENT AGENCY
2014 – Elimination of Grandfathering
RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY
 Owners of primary residences in SFHAs w...
RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY
 Home and business owners:
 Talk to you...
RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY
• Many changes are coming to the Flood In...
RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY
Michelle Burnett
Rhode Island State Flood...
Be prepared, take the survey and get tips to be
more prepared for such emergencies.
http://seagrant.gso.uri.edu/climate/
S...
Support Community Efforts
Join Stormsmart
RI.stormsmart.org
Use the Community Rating System to reduce rates
Continue to en...
Questions?
POST-Presentation Questions
Do you currently have flood
insurance?
A. No, and I do not intend to
purchase flood insurance in
the next year
B. No, but ...
National Flood Insurance rates and
maps are changing. Do you know how to
figure out what those changes mean for
you?
A. Ye...
Audience Feedback Session
Who should be involved?
What are the issues
you’d like the SAMP
to respond to?
Melissa Devine, 2012 Browning Cottages, Post-Sandy
What change would
you like to see? And
from who?
Butch Lombardi 2012, Warren
What is at
risk?
31.34%
What are the
social/
economic
consequences?
25.37%
What actions
can be taken at
state, local or
in...
Next Steps
Questions we are tackling:
• How has the shoreline changed over time and how might
we expect it to change in th...
Stay involved!
• Tell a neighbor,
colleague, friend
about what you
learned tonight
• Next stakeholder
meeting will be in f...
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RI Shoreline Change SAMP Stakeholder Update and National Flood Insurance Reforms

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Feature presentations of the July 10th Rhode Island Shoreline Change Stakeholder Meeting. Topics: RI Shoreline Change SAMP Update, National Flood Insurance Reforms. Audience polling results included.

Project Update and Status: Michelle Carnevale, Extension Specialist, URI Coastal Resources Center/Rhode Island Sea Grant
National Flood Insurance Reforms
Facilitator: Pam Rubinoff, URI Coastal Resources Center/Rhode Island Sea Grant
Presenters: Michelle Burnett, Rhode Island Federal Emergency Management Agency (RIEMA)
Bob Desaulniers, Federal Emergency Management Agency (FEMA)

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RI Shoreline Change SAMP Stakeholder Update and National Flood Insurance Reforms

  1. 1. Stakeholder Meeting July 10th 2013 5:00-7:00pm Corless Auditorium, URI Bay Campus
  2. 2. Project Goal • Through a public process help develop innovative and practical policies and tools for managing development along shorelines vulnerable to erosion and flooding Melissa Devine, 2012 Melissa Devine, 2012 Lynne Harrington, Pawtuxet Cove 2012 Hurricane Irene, RI Sea Grant
  3. 3. Thank you! • Rhode Island Bays, Rivers and Watershed Coordination Team • URI Coastal Institute • Rhode Island Foundation • Rhode Island Sea Grant • Rhode Island Geologic Survey • Coastal Resources Management Council • URI Coastal Resources Center • URI Graduate School of Oceanography • URI College of Environmental and Life Sciences • RI Statewide Planning (North Kingstown) • Prince Charitable Trusts and Van Buren Charitable Foundation (Newport) • NOAA, TNC, Save the Bay, NB National Estuarine Research Reserve , Roger Williams University (Marsh Migration) Image Credit, CRMC
  4. 4. Project Update April 2013- Kick off Meeting Policy and Adaptation Review is underway Field work, Mapping & Modeling Areas at Risk Melissa Devine, 2012 Melissa Devine, 2012 Ongoing state and local coordination of efforts
  5. 5. Audience Polling
  6. 6. Test Question: Have you lived in Rhode Island 10 years or longer? A. Yes B. No C. I don’t live in Rhode Island D. I don’t know Yes No Idon’tlive in Rhode Island Idon’tknow 78% 3%7% 13%
  7. 7. How would you best characterize your affiliation? A. Local official/board B. State agency C. Federal agency D. University/academia E. Non-profit group F. Business/Insurance G. Interested citizen H. Other Localofficial/board Stateagency Federalagency University/academ ia Non-profitgroup Business/Insurance Interested citizen Other 15% 10% 10% 3% 21% 7% 24% 9%
  8. 8. Are you a property owner? A. Yes, my primary residence is in RI B. Yes, my secondary residence is in RI C. Yes, I own business property is in RI D. Yes, but I own outside of RI E. No, I don't own property now. Yes,m yprim ary residence... Yes,m ysecondaryresiden.. Yes,Iow n businessproper.. Yes,butIow n outside ofRI No,Idon'tow n property... 72% 15% 6% 0% 7%
  9. 9. Do you currently have flood insurance? A. No, and I do not intend to purchase flood insurance in the next year B. No, but I intend to purchase flood insurance in the next year C. No, but I intend to purchase flood insurance in the next 6 months D. Yes, I have purchased flood insurance within the last year E. Yes, I have been purchasing flood insurance for MORE than a year No,and Ido notintend .. No,butIintend to purcha.. No,butIintend to purcha.. Yes,Ihave purchased flo.. Yes,Ihave been purchasi.. 73% 24% 0%1%1%
  10. 10. If you do have flood insurance, do you own a home/building built before 1975? A. Yes B. No C. I don’t have flood insurance D. I don’t know Yes No Idon’thave flood insurance Idon’tknow 20% 0% 75% 5%
  11. 11. RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY National Flood Insurance Reforms – What do these changes mean for Rhode Island? Impact of changes to the NFIP under Section 205 of the Biggert-Waters Act July 10, 2013
  12. 12. RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY National Flood Insurance Program Background • National Flood Insurance Act of 1968 – Established the NFIP – Required mapping of flood-prone areas – Made flood insurance available to all residents of communities that meet floodplain management requirements – Afforded communities ability to obtain certain types of disaster assistance
  13. 13. RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY The NFIP: How It Works
  14. 14. RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY Flood Insurance Facts • Standard homeowners insurance doesn't cover flooding. • Flood Insurance is required if you live in a Special Flood Hazard Area (SFHA) or high-risk area AND have a federally backed mortgage or other commitment (reverse mortgage, line of credit, etc.) • A lender can require flood insurance, even if a structure is NOT in the SFHA. • Flood insurance can be purchased through a local insurance agent.
  15. 15. RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY Rhode Island NFIP Facts • All 39 communities and 1 Tribe participate in the National Flood Insurance Program (NFIP). • Currently 16,271 policies in Rhode Island (Data as of July 3, 2013) – Bristol: 2,128 – Kent : 2,495 – Newport: 2,996 – Providence: 2,733 – Washington: 5,919 • Average RI Premium is $1,303/annually
  16. 16. RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY Important Terms • Base Flood: Flood that has a 1% chance of being equaled or exceeded in any given year. • Flood Insurance Rate Map (FIRM): An official map where FEMA has delineated the special flood hazard area. • Pre-FIRM structure: A structure built before the community’s first FIRM became effective. • Post-FIRM structure: A structure built after the community’s first FIRM became effective. • Special Flood Hazard Area (SFHA): Areas subject to the Base Flood or greater in any given year. These include V Zones and A Zones.
  17. 17. RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY Mapping: Why New Maps? • There is a nationwide project underway to update the FEMA FIRMs. A combination of new data and outdated maps has propelled the project. • The maps were created by a FEMA contactor, STARR, through extensive modeling using new transects, surveys and coastal analyses.
  18. 18. RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY Projected Effective Dates • Bristol County: May 16, 2014 • Kent County: September 18, 2013 • Newport County: September 4, 2013 • Providence County: September 18, 2013 • Washington County: October 16, 2013 • The preliminary maps will go effective county-wide on these dates. • If communities want to remain in good standing with the NFIP (and they do), each impacted community will adopt the floodplain ordinance and corresponding panels.
  19. 19. RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY • Congress passed the Flood Insurance Reform Act of 2012 (Biggert-Waters 2012), which will: – Make the NFIP more financially stable by raising rates on certain classes of property to reflect true flood risk; and – Trigger rate changes for certain properties within a revised or updated map area to accurately reflect the flood risk. • Intent is to eliminate subsidies for: – Structures built prior to the first flood insurance map in a community (pre-FIRM) – Policies based on the map in effect when structure was built (grandfathering) • Artificially low rates and discounts no longer are sustainable. Changes are Coming to the NFIP
  20. 20. RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY • Revised Premium Rates – V Zones (Coastal velocity zones) • Post-FIRM: Premium will increase 11% • Pre-FIRM: Premiums will increase 17% – A Zones • Post-FIRM: Premium will increase 6% • Pre-FIRM: Premiums will increase 16% – X Zones (outside the SFHA) • Standard-Rated Policy: Premium will increase 8% • Preferred Risk Polices (PRP): Premiums will increase 1% • Reserve Fund – 5% reserve fund assessment is to be included for all policies other than PRP’s. • Federal Policy Fee – Increasing from $20$22 for PRP policies and from $40$44 for all other policies Program Changes Effective Oct. 1, 2013
  21. 21. RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY • Not everyone – 43% of NFIP policies in RI receive subsidies. • Owners of subsidized non-primary residences in a Special Flood Hazard Area will see 25% increase annually until rates reflect true risk – began January 1, 2013. • Owners of subsidized property that has experienced severe repetitive flood losses or that has incurred flood cumulative damage with flood insurance payments exceeding the value of the structure will see 25% rate increase annually until rates reflect true risk – October 2013. • Owners of subsidized business properties in a Special Flood Hazard Area will see 25% rate increase annually until rates reflect true risk – October 2013. • Owners of substantially damaged or substantially improved subsidized property will see 25% rate increase. Who Will Be Affected by Subsidy Changes?
  22. 22. RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY Current & Upcoming Insurance Rate Changes Effective Date Type of Structure Changes Jan 1, 2013 Non-Primary Pre-FIRM Residence Up to 25% increase per year till full risk premium is reached Oct 1, 2013 Pre-FIRM Business Properties Pre-FIRM Severe Repetitive Loss Properties Up to 25% increase per year till full risk premium is reached All new Pre-FIRM policies effective on or after July 6, 2012. Including those due to property being sold, a policy lapse, severe repetitive flood losses, and new policy purchased for any reason. First renewal or purchase after Oct 1, 2013 will be based on full risk premium Oct 1, 2014 When a new map changes the flood zone or flood elevation for any property 5-year phase till full risk rating is reached based on new map
  23. 23. RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY Changes for Non-Primary Residences • Rates will increase up to 25 percent per year until they reflect the full-risk rate • Changes become effective January 1, 2013, for new/renewal policies Pre-FIRM: Built before the community’s first Flood Insurance Rate Map became effective and not substantially damaged or improved since then Non-primary residence: A building that will be lived in by the homeowner or the owner’s spouse for less than 80 percent of the year
  24. 24. RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY Changes to Other Subsidized Rates  Premiums for pre-FIRM commercial buildings  Increase by up to 25 percent per year until they reach full-risk rates  Premiums for repetitively flooded buildings  These Severe Repetitive Loss properties of one to four residences will receive a premium increase of up to 25 percent per year until reaching full-risk rates  Includes buildings with cumulative flood insurance claim payments that meet or exceed fair market value  These changes will start Oct.1, 2013
  25. 25. RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY Subsidized Policies By County # of Subsidized Policies # of Polices that are NOT Subsidized % of Subsidized Policies Bristol 1,020 1,124 48% Kent 1,254 1,220 51% Newport 1,458 1,508 49% Providence 793 1,913 29% Washington 2,230 3,593 38%
  26. 26. RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY Direct Move to Full-Risk Rates  After the purchase of a property  Subsidized rates cannot be assigned to the new owner  After a policy lapse  When a new policy is issued  Policies for buildings uninsured as of the date that the law was passed (July 6, 2012)  If an offer to mitigate has been refused  These changes will start October 1, 2013
  27. 27. RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY
  28. 28. RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY What about when a new flood map is adopted? • If you live in a community which adopts a new, updated Flood Insurance Rate Map (FIRM) : – Charging of insurance premiums based on a prior FIRM -- grandfathering -- will be phased out. • The Biggert-Waters Act Section 100207 calls for a phase- out of grandfathering discounts for properties shown on Flood Insurance Rate Maps that are updated. • But the pain is lessened somewhat, because new rates will be gradually phased in at 20% per year for five years • Implementation anticipated in 2014
  29. 29. RHODE ISLAND EMERGENCY MANAGEMENT AGENCY 2014 – Elimination of Grandfathering
  30. 30. RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY  Owners of primary residences in SFHAs will be able to keep their subsidized rates unless or until:  You sell your property (new rates will be charged to next owner if they insure;)  You allow your policy to lapse  You suffer severe, repeated flood losses; or,  You purchase a new policy (after July 6, 2012). Who Won’t Be Affected by Subsidy Changes?
  31. 31. RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY  Home and business owners:  Talk to your insurance agent about your insurance options  You’ll probably need an Elevation Certificate to determine your correct rate  Higher deductibles might lower your premium  Consider remodeling or rebuilding  Building or rebuilding higher will lower your risk and could reduce your premium  Consider adding vents to your foundation or using breakaway walls  Talk with local officials about community-wide mitigation steps  Community leaders:  Consider joining the Community Rating System (CRS) or increasing your CRS activities to lower premiums for residents.  Talk to your state about grants. FEMA issues grants to states which can distribute the funds to communities to help with mitigation and rebuilding. What Can Be Done to Lower Costs?
  32. 32. RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY • Many changes are coming to the Flood Insurance program • Congress acted to make program stronger financially. • On many more policies, flood insurance rates will reflect full risk. • Insurance rates will rise on some policies; and • There are specific actions which will trigger rate changes. • Talk to your insurance agent about how changes may affect your property and flood insurance policy. • Building or rebuilding higher can lower your flood risk and could save you money. • FEMA can help communities lower flood risk and flood insurance premiums through: • Community Rating System program; • Various mitigation grants; and • Technical advice on building and rebuilding to mitigate future flood damage. What You Need to Remember
  33. 33. RHODE ISLAND EMERGENCY MANAGEMENT AGENCYRHODE ISLAND EMERGENCY MANAGEMENT AGENCY Michelle Burnett Rhode Island State Floodplain Manager Rhode Island Emergency Management Agency 645 New London Avenue Cranston, RI 02920 Direct: (401) 462-7048 Michelle.F.Burnett.nfg@mail.mil Bob Desaulniers FEMA Region I – New England Insurance Specialist Direct: (617) 832-4760 Robert.Desaulniers@FEMA.DHS.Gov Contact Information
  34. 34. Be prepared, take the survey and get tips to be more prepared for such emergencies. http://seagrant.gso.uri.edu/climate/ Speak to your builder/designer and local building official about adding freeboard to your existing, rebuilt or new home.
  35. 35. Support Community Efforts Join Stormsmart RI.stormsmart.org Use the Community Rating System to reduce rates Continue to engage in the Beach SAMP
  36. 36. Questions?
  37. 37. POST-Presentation Questions
  38. 38. Do you currently have flood insurance? A. No, and I do not intend to purchase flood insurance in the next year B. No, but I intend to purchase flood insurance in the next year C. No, but I intend to purchase flood insurance in the next 6 months D. Yes, I have purchased flood insurance within the last year E. Yes, I have been purchasing flood insurance for MORE than a year No,and Ido notintend .. No,butIintend to purcha.. No,butIintend to purcha.. Yes,Ihave purchased flo.. Yes,Ihave been purchasi.. 70% 21% 1%4%3%
  39. 39. National Flood Insurance rates and maps are changing. Do you know how to figure out what those changes mean for you? A. Yes, I know where to look up the information and/or who to contact. B. No, I’m still confused about how to find this information. C. Not applicable, I don’t need flood insurance. Yes,Iknow w here to loo... No,I’m stillconfused ab... Notapplicable,Idon’tn... 11% 18% 71%
  40. 40. Audience Feedback Session
  41. 41. Who should be involved?
  42. 42. What are the issues you’d like the SAMP to respond to? Melissa Devine, 2012 Browning Cottages, Post-Sandy
  43. 43. What change would you like to see? And from who? Butch Lombardi 2012, Warren
  44. 44. What is at risk? 31.34% What are the social/ economic consequences? 25.37% What actions can be taken at state, local or individual level? 43.28% Out of over 60 responses Results from previousSAMP surveyon people’sconcernsregardingshoreline change:
  45. 45. Next Steps Questions we are tackling: • How has the shoreline changed over time and how might we expect it to change in the future? • What areas are at risk from storm surge and sea level rise? • How will our wetlands respond to rising sea levels, will they migrate landward or drown in place? • What are other places doing to deal with these issues and would that work in Rhode Island? • What is the cost (insurance, rebuilding, loss of tax revenue) associated with shoreline change? (pending) • Coordination with other state agencies
  46. 46. Stay involved! • Tell a neighbor, colleague, friend about what you learned tonight • Next stakeholder meeting will be in fall • Visit the new website: beachsamp.org • Join the listserv

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