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1 RESOLUTION NO. ___ _
2
3 A Resolution of the City of South Miami urging the Miami-
4 Dade County Board of Commissioners to protect the County
5 from Sea Level Rise by moving, into action, the
6 recommendations of the Sea Level Rise Task Force.
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8 WHEREAS, the world's scientific community has reached consensus that human-
9 induced climate change is occurring and is causing sea level rise; and
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11 WHEREAS, Miami-Dade County, its wildlife, natural lands, water supply, vital
12 facilities, and infrastructure are especially vulnerable to the impacts of sea level rise; and
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14 WHEREAS, climate scientists and other groups have predicted the potential
15 erosion of dry land and loss of property and natural resources in Miami-Dade County as a
16 result of sea level rise; and
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18 WHEREAS, a U.S. Geological Survey study concluded that sea levels along the
19 east coast of the country will rise three to four times faster than the global average over the
20 next century and the U.S. Army Corps of Engineers has projected that the water around
21 Miami could rise up to 24 inches by 2060; and
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23 WHEREAS, parts of Miami-Dade have already experienced an increased
24 frequency of urban flooding caused by higher high tides, elevated groundwater levels, and
25 oversaturated soils, and without any action, these rising tides will pose a significant threat
26 to the city's tourism industry; and
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28 WHEREAS, the Miami-Dade Sea Level Rise Task Force ("SLRTF") reviewed the
29 relevant data and prior studies, assessments, repOlis, and evaluations of the potential
30 impact of sea level rise on vital public services and facilities, real estate, water and other
31 ecological resources, water front property, and infrastructure; and
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33 WHEREAS, the SLRTF issued a report with their findings on July 1, 2014, that
34 included a comprehensive and realistic assessment of the likely and potential impacts to
35 sea level rise and storm surge over time, to be used to help develop a set of
36 recommendations relative to amendments to the CDMP, capital facilities planning,
37 budgetary priorities and other County programs as necessary to ensure that Miami-Dade
38 County is taking all appropriate actions to reduce its contributions to climate-induced sea
39 level rise and to ensure its resiliency to the increase in sea level rise, storm surge and
40 related impacts which are expected to occur; and
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42 WHEREAS, the SLRTF set forth numerous recommendations in their report that,
43 if followed, would aid Miami-Dade County in coping with the inevitable consequences of
44 this measurable, tractable, and relentless reality of sea level rise; and
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46 WHEREAS, the Miami-Dade Board of County Commissioners will discuss the
47 adoption of various resolutions to move the recommendations of the SLRTF into action;
48 and
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WHEREAS, The City of South Miami seeks to work collaboratively and jointly
with Miami-Dade County to ensure our quality of life and economy is protected.
NOW, THEREFORE, BE IT RESOLVED BY THE MAYOR AND CITY
COMMISSION OF THE CITY OF SOUTH MIAMI, FLORIDA, THAT:
Section 1. The City of South Miami supports the adoption of sound resolutions
to move the recommendations of the Sea Level Rise Task Force into action.
Section 2. The City of South Miami urges the Board of County
Commissioners to ensure the language contained in its resolutions are action-oriented, and
further the process of preparing Miami-Dade County and its natural and built environment
for the inevitable rise in sea level.
Section 3. The City Clerk is hereby instructed to send a copy of this resolution
to the Mayor of Miami-Dade County, all of the members of Board of County
Commissioners and the County Manager.
Section 4. If any section clause, sentence, or phrase of this resolution is for
any reason held invalid or unconstitutional by a court of competent jurisdiction, the
holding shall not affect the validity of the remaining portions of this resolution.
Section 5. This resolution shall take effect immediately upon adoption.
PASSED AND ADOPTED this __ day of _____ , 2014.
ATTEST:
CITY CLERK
READ AND APPROVED AS TO FORM,
LANGUAGE, LEGALITY AND
EXECUTION THEREOF
CITY ATTORNEY
Page 2 of2
APPROVED:
MAYOR
COMMISSION VOTE:
Mayor Stoddard:
Vice Mayor Harris:
Commissioner Edmond:
Commissioner Liebman:
Commissioner Welsh:
Miami -Dade Sea Level Rise
Task Force Report and
Recommendations
July 1, 2014
Miami-Dade Sea Level Rise Task Force Members
Harvey Ruvin, Task Force Chairperson, Honorable Clerk of Courts, Miami-Dade County
James Murley, Esq.,Task Force Vice-Chairperson, Executive Director, South Florida
Regional Planning Council
David Enfield, Ph.D., Research Oceanographer
Sara E. Fain, Esq., Executive Director, Everglades Law Center
T. Willard Fair, President, Urban League of Greater Miami, Inc.
Jorge Gonzalez, Chief Executive Officer, City National Bank
Arsenio Milian, P.E., President, Milian, Swain & Associates, Inc.
Contents
Chairman's Letter ...................................................................................................................................... 2
I. Introduction ....................................................................................................................................... 3
II. Overarching Recommendation ......................................................................................................... 4
III. Laying the Foundation for Action ...................................................................................................... 4
IV. Flooding Risk Due to Sea Level Rise, Storm Surge and Other Factors, .............................................. 6
V. Re-Insurance Industry and Potential Economic Implications, ......................................................... 10
VI. Conclusion ....................................................................................................................................... 11
Appendices .............................................................................................................................................. 12
A. MIAMI-DADE BOARD OF COUNTY COMMISSIONERS RESOLUTION # 599-13 ........................ 13
B. LIST OF PRESENTATIONS/PRESENTERS TO MIAMI-DADE SEA LEVEL RISE TASK FORCE... 27
C. MIAMI-DADE COUNTY CLIMATE CHANGE ADVISORY TASK FORCE MEMBERS AND
RECOMMENDATIONS ........................................................................................................................... 30
D. A REGION RESPONDS TO A CHANGING CLIMATE -SOUTHEAST FLORIDA REGIONAL
CLIMATE CHANGE COMPACT REGIONAL CLIMATE ACTION PLAN, OCTOBER 2012 ..................... 47
E. SUMMARY OF CLIMATE CHANGE POLICIES IN THE MIAMI-DADE COUNTY COMPREHENSIVE
DEVELOPMENT MASTER PLAN ......................................................................................................... 139
F. MIAMI-DADE BOARD OF COUNTY COMMISSIONERS RESOLUTION # R-451-14 .................. 148
G. WARMING OF THE OCEANS AND IMPLICATIONS FOR THE (RE) INSURANCE INDUSTRY -A
GENEVA ASSOCIATION REPORT ........................................................................................................ 157
1
Chairman's Letter
SEA LEVEL RISETASK FORCE REPORT
"The potentially empowering capacity to be able to foresee and /orestall'is what
ultimately distinguishes the human species/rom all others ... "
Buckminster Fuller, Legendary Futurist
Sea Level Rise is an inevitable consequence of the warming of the oceans and the accelerated
melting of the planet's ice sheets -regardless of cause. It is a measurable, trackable and relentless
reality. Without innovative adaptive capital planning it will threaten trillions of dollars of the region's
built environment, our future water supply, our unique natural resources, our agricultural soils, and
our basic economy.
Dealing with this challenge will require a coordinated effort of unprecedented commitment. As
the report chronicles, that effort has already begun. Miami-Dade County has been a leader among local
governments, thinking globally and acting locally.
The prior Miami-Dade Climate Change Advisory Task Force (CCATF), after nearly 5 years
of work, produced a range of recommendati ons dealing with adaptation of both our built and natural
environments. The current Sea Level Rise Task Force (Task Force), rather than reinvent the wheel, is
recommending a more structured implementation and oversight commitment by the County
Administration.
The ongoing Southeast Florida Regional Climate Change Compact has been doing great work in
helping to set the stage for what needs to be a multi-level intergovernmental partnership to effectively
address sea level rise. The City of Miami Beach, with newly elected and appointed leadership is meeting
the short term challenge of "sunny day flooding" (a harbinger of sea level rise) in a proactive way.
Others are lining up to be part of the solution.
This Report is an urgent, though optimistic, call to begin the step by step process needed to design
and build a re-engineered urban infrastructure that over time will withstand a worst case scenario. It
begins with the Board's calling for a commitment by the Administration to obtain the technical
expertise needed to vet the elements and timing of the plan.
Make no mistake, it will be costly, but its costs are dwarfed by the potential human, physical and
economic values at stake. The members of your Sea Level Rise Task Force are grateful for the
opportunity to present this Report and are confident that both the Board and the Mayor will take the
necessary actions.
2
Report
I. Introduction
Warming of the oceans, melting ice sheets, and extreme weather events have become more
prominent realities during the past year. Southeast Florida has been experiencing some of
these effects first-hand, with severe downpours and "king tides" causing localized flooding
in some areas of Miami-Dade County. These events provide a glimpse into the future of
what we may expect to experience even more frequently and to more extremes in the
region. They also provide an opportunity to better understand what these extremes may
mean for our community and how we can begin to address these impacts now. Noting the
mounting evidence supporting the overwhelming scientific consensus that climate change
is real and in fact already accelerating sea level rise, the Miami-Dade Board of County
Commissioners (BCC) wisely created the Miami-Dade County Sea Level Rise Task Force
(Task Force) in July 2013 by unanimously passing Resolution No. R-599-13 (Appendix A),
as a focused next step to better gauge and plan for what lies ahead.
Our charge was multifaceted:
a) To provide a realistic assessment of the likely impacts of sea level rise and storm
surge over time.
b) To make recommendations relative to the Comprehensive Development Master Plan
(CDMP), Capital Facilities Planning and other priorities.
The Task Force was provided with prior studies, reports and evaluations of potential
impacts on vital services and facilities, ecological resources and infrastructure. The Task
Force met fourteen times and heard presentation from various experts on topics ranging
from a review of county and regional planning efforts regarding climate impacts, storm-
water management and drainage, sewerage systems, vulnerabilities of freshwater aquifers
and wells, the role of Everglades restoration and natural systems in resilience, how to build
resilience in communities, as well as the serious insurance and reinsurance implications of
expected sea level rise.
All presentations and minutes of the Task Force meetings are posted on line at the Miami-
Dade Sea Level Rise Task Force webpage.1 All of our deliberations and discussions have
been guided by Sunshine Law directives. A detailed list of all presentations made at the
Task Force meetings can be found in Appendix B.
1 Southeast Florida Regional Climate Change Compact (Junell, 2012).
Retrieved from: HTTP://WWW.MIAMIDADE.GOV /PLAN NING/BOARDS-SEA-LEVEL-RISE.ASP
3
II. Overarching Recommendation
This Report contains five recommendations, the first of which is the most crucial.
In order to secure a future that is resilient to threats of sea level rise, much detailed and
truly comprehensive expert analysis must be undertaken in order to plan and design a
robust capital plan: not just to update, but in a sense, to reinvent our urban infrastructure
in a timely, sequenced manner to meet our future as it unfolds. In order to accomplish this,
we need to start the process now. The following overarching recommendation is a critical
first step.
The plan, its development and its implementation must be fully collaborative, involving all
levels of government. The framework for action should also include the South Florida
Water Management District (District). The Southeast Florida Regional Climate Change
Action Plan (RCAP) will also be essential as an overarching guide as, implementation gets
carried out. Involving the Re-Insurance Industry in the plan's development will facilitate
their effective buy in. Carrying out this plan will be costly, but far less than the cost of
inaction.
III. Laying the Foundation for Action
In 2006 the Miami-Dade Board of County Commissioners (BCC) created the Miami-Dade
Climate Change Advisory Task Force (CCATF), comprised of eighteen individuals, a multi-
disciplinary group of stake-holders and experts, tasked to make recommendations on the
overall issue of Climate Change, focusing predominantly on adaptation. This group divided
into sub-committees and directly involved hundreds of others in sixty-five separate
meetings over the five-year period. At the time of their sunset, fifty-seven multi-part
recommendations had been produced regarding needed steps relative to adaptation of
natural systems, built environment, health and economic systems, as well as a series of
Green House Gas mitigation recommendations (Appendix C -Miami-Dade County CCATF
Members & Recommendations).
Many of these recommendations were incorporated into GreenPrint, Miami-Dade County's
community-wide sustainability plan developed in 2010, and are currently being
4
implemented. The CCATF recommendations addresses the cross section of specific
elements called for in Resolution # 599-13.
In 2010, recogmzmg that climate change has little regard for man-made territorial
boundaries, the four counties in southeast Florida formed the Southeast Florida Regional
Climate Change Compact (Compact). Miami-Dade, Broward, Palm Beach and Monroe
counties became the first, perhaps the only, neighboring local governments to collaborate
on their common concerns about climate change. These four counties, comprised of over
100 cities and representing over 30 percent of the state's population, agreed to contribute
staff, resources, and expertise to address climate change issues, including sea level rise. In
October 2012, the Compact produced over one hundred recommendations in a well
thought-out Regional Climate Action Plan for Southeast Florida (RCAP) (Appendix D -A
Region Responds to a Changing Climate).2
Clearly this format provides a pathway structure to continue to build on.
In October, 2013, the Board of County Commissioners approved amendments in the
County's Comprehensive Development Master Plan (CDMP) which incorporate language
addressing climate change and sea level rise in over thirty Objectives and Policies of the
Plan (Appendix E). This followed the CDMP 2011 Evaluation and Appraisal Report (EAR),
as required per Florida statutes, when these issues were identified as priorities to address
as part of the CDMP update. For example, CDMP Land Us.e Element Policies LU-3K and LU-
3L focus on determining vulnerable areas that can be designated as Adaptation Action
Areas, which will facilitate focused funding and adaptation planning in these areas to help
mitigate impacts and build resilience to climate change and sea level rise. These CDMP
policies now form a sound foundation for Miami-Dade County to actively incorporate these
considerations into existing capital investment and infrastructure planning processes, and
will continue to be evaluated and updated as part of the ongoing EAR process.
~~C()M~EN1?J\ fI9,~ 3:,TheS~(l~~yeih.Et§~Task F 9rte reco~mend~. that¥ iami~ l}ade
County Hllplementt:he'Adaptatlon.L\C!ioftl\reas (AAf\;s) called for in~he Comprehensiy,e
Development Mash'!T'Plan (CDM~)alldtg;illcorp9rate ,sealevel rise> andstgrrn surge
risk? utilizing best available data: .,' ' .. ,' , ',., ' , .
2 Southeast Florida Regional Climate Change Compact (Junell, 2012).
Retrieved from:
http://southeastt1oridaclimate!':..Q1llJ1i;j.ct.QLg,[pslfJ~@20Clim£lte%20AJ,;tion%20Plan%20Fin<li:l'o20ADA
%20Compliant.pdf
5
The Board of County Commissioners has already taken a first bold step by unanimously
adopting Resolution R-451-14 (Appendix F) on May 6,2014, setting policy for Miami-Dade
County by requiring all county infrastructure projects to consider the potential impact of
sea level rise during all project phases and calling for an evaluation of existing
infrastructure in the face of sea level rise. This action sets the stage for a fully
comprehensive assessment and plan to provide an evolving infrastructure, resilient to a
worst case scenario.
At the time of the submission of this Report, a proposed ordinance was pending before the
BCC that would require inclusion of a statement regarding consideration of sea level rise
for all agenda items related to planning, design and/or construction of County
infrastructure. We urge passage of this ordinance as fully consistent with, and supportive
of, this Sea Level Rise Task Force Report.
IV. Flooding Risk Due to Sea Level Rise, Storm Surge and Other Factors
About 90% of the excess heat due to Greenhouse Effect warming is absorbed by the ocean
rather than the atmosphere or land. The basic science is that as water warms, it
expands. This effect, coupled with ice loss from the Greenland and Antarctic ice sheets, are
the fundamental causes of global sea level rise. In addition, as we lose reflective surface
due to melting ice, we are seeing a feedback loop that increasingly reinforces the
Greenhouse Effect and accelerates sea level rise.
Tide stations measure local sea level rise which refers to the height of the water as
measured along the coast relative to a point on land. Because the heights of both the land
(subsidence or uplift) and the ocean are changing, sea level in some locations is rising
faster than the global average (e.g., New Orleans) while in other regions sea level my
actually be falling (Alaska). By estimating present and future local rates of relative sea level
change for a specific area based on observations and projections of global sea level rise,
coastal managers and engineers can begin to analyze and plan for the impacts of sea level
rise for comprehensive planning. Future land use decisions should reflect lessons learned
from allowing development in vulnerable areas.
The Task Force chose to focus primarily on the next 50 years, to 2060, as our present
planning horizon and relied heavily on the projections produced by the Southeast Florida
Regional Climate Change Compact partners of two feet of sea level rise by 2060 (Figure 1
below). This projection was adopted by all four Compact counties as a guideline for
planning purposes. The workgroup of experts convened by the Compact to develop this
projection agreed to reconvene approximately every four years, or more often as needed,
6
to review new data and science to determine if the projection should be revised. The
workgroup is expected to reconvene later in 2014. For longer range planning up to 2100,
at least three feet of sea level rise should be utilized. Specific infrastructure and planning
projects should design for the projected sea level during the life expectancy of a project.
-Ann"a~ Se.il tANtII at K~ '\Nut:
-iPtoj~fl'd .SH. L.~ m$l'!i R~ng~ hIl$HMU$ACE:Gul.ntn
3JJ -eCf'ltirruatkm (}f Hi$,wltSH ~. ~$(f ~4l
1990 lOOO 1010
1
!
Figure 1 -The Southeast Florida Regional Climate Change Compact convened a group of experts in 2010 which
reviewed the most current science and data and developed a sea level rise projection over time for the Southeast
Florida region.
We must keep in mind that this is literally a moving target; sea level is no longer a constant
and as new scientific research becomes available, the projections of the future rate of rise
will also change. As we move forward, we will need to keep abreast of new information
from key sources such as the Intergovernmental Panel on Climate Change (IPCC), the
National Oceanic and Atmospheric Administration (NOAA), the U.S. Army Corps of
Engineers (USACE) and the National Climate Assessment (NCA), and stay alert to events
that could have a dramatic impact on the rate of sea level rise. Because the County is now
confronted with a changing environment, the challenge is to craft flexible policies that can
adapt to evolving needs.
Storm surge is an abnormal rise in sea level accompanying a hurricane or other intense
storm, and whose height is the difference between the observed level of the sea surface and
the tide level expected to occur in the absence of the storm. Storm surge can range from a
few feet, up to fifteen to twenty feet in extreme cases, and typically lasts from several hours
7
up to a day. It is accompanied by large and destructive ocean waves, and will typically
affect a specific stretch of shoreline, usually ten miles or less.
It is not possible to consider future storm surges without also accounting for the
interacting effects of sea level rise. Although sea level rise is gradual (2-4 feet in this
century) and less in magnitude than storm surge, it is always present, it affects shorelines
everywhere and exacerbates the effects of storm surges when and where they occur. In the
course of this century, sea level rise will eventually add up to one-fourth to one-half the
magnitude of any storm surge that occurs on any parts of Miami-Dade County's coastline.
Figure 2 below illustrates the disproportionate effect of a two-foot rise in sea level on a
hypothetical storm surge accompanying a Category 3 Hurricane. Storm surge recedes, sea
level rise does not.
Figure 2 -Two images of Miami-Dade County showing the inundation from a hypothetical storm surge that
would typically accompany a Category 3 Hurricane at high tide. On the left is the depth of surge as it would
affect coastal and inland areas with present-day sea levels. On the right is the depth of surge as it would affect
the same areas with an additional two feet of sea level rise ifno adaptation measures are taken. Maps are based
on the Sea, Lake, and Overland Surges from Hurricanes (SLOSH) surge model used by the National Hurricane
Center. (Courtesy of Dr. Keren Bolter).
8
Depending on measures taken globally to mitigate the effects of Greenhouse Gases on the
planet --and how soon they are implemented --the world and specifically Miami-Dade
County are committed to a continued rise in sea levels beyond this century with the
potential to permanently inundate large parts of the County. Long before permanent
inundation occurs, however, and perhaps within decades, flooding events will become
progressively more frequent, especially in low-lying areas, due to the exacerbating effect of
higher sea levels on high tides, heavy rain events and storm surges. Other aspects of
climate change, such as the expected increase in the intensity of rainstorms and hurricanes,
will further exacerbate the impacts of flooding events. The best illustration of this is what
we have already observed happening in Miami Beach over the last decade and a half. The
annual number of flooding events in Miami Beach from all causes has been steadily
increasing and will likely continue to increase to the point where some areas will need to
be abandoned or re-purposed when insurance becomes unavailable or too expensive,
and/or engineering measures can no longer mitigate against the problems. What is now
happening in Miami Beach is the "canary in the coal mine" for what will inevitably occur in
other low-lying areas of the county. Saltwater intrusion into the Biscayne Aquifer, the
primary source of freshwater for Southeast Florida, is also a considerable threat with sea
level rise, and steps must be taken to avoid or mitigate this potential impact.
Lands in public ownership are crucial to restoring hydrology and surface water levels,
which can help reduce the threat of salt water intrusion. Wise land use planning and
incorporating the benefits received from natural systems must be an essential part of a
resilience strategy, and funds and legislative support are needed to complete the targeted
acquisitions and protect these natural areas.
RECOMMENDATIONS: The Sea LeverRis~Ta~kFo~c~recomm~rlds that'Mia~i-D~de
County's res iliEm cy . effor:ts . musf incorpo~ate.sppport . for Everglades restoration,
including makingrestorationa. top priority for. County lobbying efforts, and must
strategically utilize and fully fund both acquisition and management needs for the
County's Environmentally Endangered Lands Pfogram(EEL).
9
Clearly. without adaptation. current ground levels and essential fresh water. flood. and
drainage related systems will be critically compromised. if not overwhelmed.
V. Reinsurance Industry and Potential Economic Implications
Perhaps the most impactful presentation made to the Sea Level Rise Task Force came from
representatives of the Re-Insurance Industry. Mark Way, Sustainability Director of Swiss
Re, stated that the insured losses for the global insurance industry totaled $6.4 billion per
year in the 19S0's for weather related impacts. This has risen to $40 billion during the first
decade of this century. Over the past six years, Swiss Re has been conducting research to
assess the cost of adapting to severe weather impacts using a rigorous risk management
approach to assess local total climate risk and included proposed adaptation measures to
address total climate risk on an economic basis. Using predictive scenarios, this study
estimated the expected losses for Southeast Florida by scenario and by hazard ranged from
$17 billion, or S.5 percent of Gross Domestic Product (GOP) in 200S, to $33 billion or 10%
of GOP in 2030. This study also suggested the most cost-effective ways to minimize loss.
According to the cost/benefit curve developed in this study for the Southeast Florida
region, it is estimated that approximately $30 billion of the total expected loss in 2050
could be avoided if a comprehensive plan for adaptation were implemented. It was
explained to the Task Force that adaptation policies implemented now will significantly
lower the insurance costs to the County and its residents in the future, and in some cases
avoid or postpone wholesale abandonment due to non-insurability or the high cost of
premiums.
A recent report by the Geneva Association (Appendix G), the leading international think
tank for strategically important insurance and risk management issues, concluded that
Historic Climate Records are no longer reliable tools in either risk assessment or rate
setting. Insurance rates are climbing and could soon become prohibitive: the cruelest "tax"
of all.
RECOMMENDATION 6: Recognizing the need to develop insurancemechanisms that
will provide real help to the victims of climate change impacts, The Sea Level Rise Task
Force recommends that Miami-Dade County consider initiating discussions with
privateirisurance (lndreinsurance professional organizations, memberloc(ll
governments in the Southeast Florida Climate Change Compact and the FloridaOfficeof
Insurance Regulation in the Department of Financial Services to developlong-termrisk
management solutions.
10
VI. Conclusion
With trillions of dollars of built environment and invaluable natural resources at stake in
the region, the economic imperative to take action sooner rather than later is clear.
WE BELIEVE THAT WITHOUT A PROFESSIONALLY WELL THOUGHT OUT ADAPTATION
PLAN IN PLACE, WE RISK LOSING INSURABILITY AND FINANCIAL SUPPORT FOR OUR
FUTURE.
Although the need to begin is urgent, we are optimistic that with commitment we can
continue to build a future South Florida that will not just remain viable, but one that will
continue its emerging status as a vibrant world class Region.
11
Appendices
12
A. MIAMI-DADE BOARD OF COUNTY COMMISSIONERS
RESOLUTION # 599-13
13
B. LIST OF PRESENTATIONS/PRESENTERS TO MIAMI-DADE
SEA LEVEL RISE TASK FORCE
27
C. MIAMI-DADE COUNTY CLIMATE CHANGE ADVISORY TASK FORCE
MEMBERS AND RECOMMENDATIONS
30
D. A REGION RESPONDS TO A CHANGING CLIMATE -SOUTHEAST FLORIDA
REGIONAL CLIMATE CHANGE COMPACT
REGIONAL CLIMATE ACTION PLAN, OCTOBER 2012
47
E. SUMMARY OF CLIMATE CHANGE POLICIES IN THE MIAMI-DADE COUNTY
COMPREHENSIVE DEVELOPMENT MASTER PLAN
139
F. MIAMI-DADE BOARD OF COUNTY COMMISSIONERS
RESOLUTION # R-451-14
148
G. WARMING OF THE OCEANS AND IMPLICATIONS FOR THE
(RE) INSURANCE INDUSTRY -A GENEVA ASSOCIATION REPORT
157