Rusty or Resilient? The Hermine Reveal

 

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Earlier this year, we launched #HurricaneStrong, a new national hurricane resilience initiative to overcome public amnesia regarding the value of advance storm preparations. We did so because readiness declines when land-falling storms are scarce, and resilience is impossible without a prepared public.

In this video, we make the point that decision-making by the individual or family is one of the most important drivers of safety and survival when a hurricane comes ashore as Hermine did in Tallahassee this month.

So from my perspective as part of both the disaster safety and Tallahassee communities, I am offering an unofficial score card on our Hermine performance by benchmarking against the five key focus areas of #HurricaneStrong. For this analysis, I am labeling actions before, during, and after as either “Resilient” or “Rusty”. And, yes, this is anecdotal, but well-informed as it is derived from our impressions as well as those of our vast network here and across Florida.

1) Personal Safety – Know Your Evacuation Zone – It’s still early, but I can confidently say that with respect to evacuation, the behavior of the majority of those at greatest risk in the path of Hermine was Resilient. The most dangerous life safety threat from Hermine was exactly as forecast by the National Hurricane Center—near record storm surge. And most of the residents of our coastline paid attention, and either hunkered down in elevated spaces, or they evacuated as ordered. As a result, no loss of life in Florida occurred from storm surge when the predictions proved accurate. Regrettably, one life was lost in a tree fall in an interior city, Ocala, but thanks to exceptional forecasting and public messaging from the National Hurricane Center, we averted potential for widespread loss of life.

2) Financial Security – Have an Insurance Check-up – This is one where I have to go with Rusty as many seemed unfamiliar with insurance policy basics. Here are the things you really need to know if you live in hurricane country:

  1. First steps post-storm should be to protect your covered property from further damage, document the losses by taking pictures (before you dispose of property), and contact your insurance company.
  2. Hurricanes may trigger special, percentage deductibles that are usually higher than dollar deductibles, e.g. 2% of a $300,000 home would mean a $6,000 deductible on physical damage to the home.
  3. Loss of Use reimbursement may be available if your home is rendered uninhabitable.
  4. Food spoilage caused by power outage may be covered, typically with a limit of $500.
  5. Tree removal is not covered unless the tree hits a covered structure.
  6. Increased electric bills may be covered if fans and other equipment are needed to dry out a damaged structure.
  7. Temporary repairs are typically covered if they are deemed reasonable and necessary.
  8. Automobile damage is covered so long as your policy includes “comprehensive” coverage.
  9. Flood insurance is not covered under a regular homeowner’s insurance policy, and requires a separate purchase.
  10. Flood insurance policies require a 30-day waiting period, so even in long lead time storms like Hermine, no coverage protection applies until a month goes by.

Flood insurance is critical for families to become #HurricaneStrong as uninsured flooding losses are often the most financially catastrophic byproduct of hurricanes and storms like Superstorm Sandy, the South Carolina “thousand-year flood”, or last month’s flooding in Louisiana.

This is one of the reasons we made insurance a priority in #HurricaneStrong, and why we routinely partner with FEMA’s FloodSmart.gov team to help spread the word. In July, we did so through an appearance on WFTS-ABC Tampa Bay’s “Morning Blend”. This broadcast reached families in the ten-county Tampa Bay viewing area with data like that in the table below:

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What this table shows us is that only one-third of those residing in high-risk flood areas around Tampa Bay have a flood policy in force. Further, only five percent of those in low- to moderate-risk areas have a flood policy. This is startling and problematic for a whole host of reasons. As previously stated, life-altering physical and financial losses from floods can haunt families for years. We see this right now in South Carolina where foreclosures and building failures plague many families affected by flooding in Columbia last year.

It is also alarming for low- to moderate-risk areas as floods can occur well away from the high-risk zones, just as they did last month in Louisiana. In fact, 20 percent of all flood claims come from outside the high risk flood zones. One silver lining is that flood policies in those areas are often affordable. My flood insurance policy in Tallahassee is approximately $34 a month.

If you need further convincing, click on this cost of flooding calculator. You will see how quickly the losses add up. Two inches of water in your home will create an average of $21,000 in damages, four inches will cost $29,650. Flooding costs rise almost as fast as the water.

Just imagine what would be happening in Tampa Bay right now if Hermine had turned further east, and those without flood policies had been inundated.

Bottom line? Balanced against the potential cost of flooding, most of us in hurricane country need to make the investment in a flood insurance policy.

3) Family Preparedness – Build a Disaster Supply Kit – The bad news is that this simplest of #HurricaneStrong behaviors earns a Rusty designation post-Hermine. And, I think this is where the amnesia really hurts us. Apparently, many here either didn’t know, forgot, or ignored the basics of family readiness. They didn’t stock up on nonperishable food, water, or ice. They didn’t top off their gas tanks ahead of the storm.

Worse, afterwards, they ventured out too soon for safety. Power lines were sparking, traffic lights weren’t working, and gas station lines were growing by the minute. They showed up at McDonald’s (where they were doing brisk business thanks to a generator), but they couldn’t buy food as they never anticipated the need for cash. Credit cards didn’t work in many spots where the Internet service networks were down.

Food, water, cash, gas—all are “king” post-disaster. So the good news is that this is one of the easiest ways to become resilient. Make the list; secure the supplies. Plan for a generator, and make sure you have gas and oil to keep it running. If you can’t afford a generator, consider cost-sharing a purchase and plan ahead with family or friends to get one residence up and running until power is restored. Remember, those that plan win.

4) Damage Prevention – Strengthen Your Home – The storm surge did cause damage along the coast, and substantially-damaged structures will need to be elevated when they are rebuilt, especially if they want to qualify for future flood insurance.

Conversely, for the most part, the winds were not high or constant enough to reliably test home construction. But they did shine a light on the downside of our love affair with trees.

When we live in a beautiful, canopied area like the Big Bend, trees will topple when the winds blow, but there are things we can do in advance to mitigate impacts. Every year, we need to trim, limb up, and maintain healthy trees. If a tree is dead or dying, we should remove it. Local county extension offices are an excellent source of free expertise to help you decide.

If a storm threatens, and you are staying in your home, you should evaluate where a tree could land on your home and its proximity to sleeping rooms. Many here did exactly that ahead of Hermine, and it was a lively (and morbid) topic of conversation. We can never know if all the families that had trees fall on their houses planned to sleep safely out of the way, but in all but the Ocala case, either by luck or planning, people avoided injury and possible death.

So, overall, I can’t judge this category as either Rusty or Resilient, but I can state the obvious—we are lucky that Hermine sped ashore before she strengthened further. It could have been so much worse.

5) Community Service – Help Your Neighbor – Like the first bucket, I am thrilled to give this one a resounding Resilient. If you know Tallahassee, it should come as no surprise. People here are civic-minded and care deeply about their neighbors. Before, during, and after the storm, Facebook was full of posts with offers to give shelter, share meals, watch pets—anything to help out. When a tree crashed through a roof in one neighborhood, neighbors poured out into the driving rain to help rescue the family.

Post-storm, spontaneous acts of kindness erupted. Businesses gave out free ice, churches gave away hot dogs and cold water in their parking lots, and people opened up their homes to shelter those without air conditioning through some blazing hot days and muggy nights.

Believe me, for the most part, ordinary people behaved valiantly, except maybe the grumpy blogger who unfairly characterized Tallahassee as a community of “whiners” for complaining about power outages. Maybe I hang out with too many social psychologists, but I think he got it all wrong. The Tallahassee “who has power?” social media derby took shape because people were bored, frustrated, and had a way to say so.

“What’s up with my power going down?” is always one of the most common conversations post-storm as it was here for five days with the exception of a few holiday weekend football games (that some couldn’t view without power). With the advent of social media, we just heard more of the conversation, including some truly clever and funny posts.

It may seem trivial from afar that people became obsessed with having electric power, but the outages here caused traffic accidents, disrupted the local economy (many local stores and restaurants remained closed until six days later), and left some elderly sweltering in assisted living facilities.

Later, at the appropriate time, an objective analysis and after-action report will teach us what we might need to do differently to recover more quickly in the future.

So, overall, what has Hermine revealed about our disaster resilience? My score card across the five essential areas include two categories were Rusty, two categories were Resilient, and one was Neither. That won’t get us to #HurricaneStrong. We will never bounce back quickly if we don’t adapt, and get all of these disaster fundamentals right. But, lessons learned here can help us in the next storm, and that’s a good thing.

After all, we still have a lot of hurricane season left to go.

 

 

 

 

How Big Data Means “Bigger is Better” for Weather Safety & Resilience

9-3-15 Figure 4 Data Comparison Final

As conversations about the application of Big Data come out of the 2016 World Economic Forum in Davos this week, I recall how the headline, Is IBM Building the Most Powerful Weather Service the World Has Ever Seen?, made perfect sense to me. The article described how IBM purchased The Weather Company’s digital and data assets in a deal inspired by opportunities in Big Data. The Wall Street Journal valued the transaction at more than $2 billion, and IBM described their rationale:

With this acquisition, IBM is going to harness one of the largest big data               opportunities in the world — weather. Weather is probably the single largest swing factor in business performance — it impacts 1/3 of the world’s GDP and in the U.S. alone, weather is responsible for about half a trillion dollars in impact. Weather affects every aspect of the economy – energy usage, travel and transportation, new construction, agricultural yields, mall and restaurant traffic, etc.

This move is a profound illustration of the opportunity that Big Data presents in the realm of disaster resilience, a topic we addressed in our paper, Understanding the Intersection of Resilience, Big Data, and the Internet of Things in a Changing Insurance Marketplace.

Truly, with $500 Billion (yes they say billion) in opportunity costs on the line, Big (weather) Data can not only inform to, but can revolutionize industries and movements across the world.

In my last blog, I discussed the movement behind resilience metrics—an issue that can be categorized as a “Big Data” problem. Like all sectors, we’re experiencing the advent of exploding amounts of data, and one growing source of this data is from the Internet of Things (IoT).

One IoT example in homes is the Nest Thermostat. The device not only indicates the temperature in your house, but it issues alerts if it detects significant temperature swings. The obvious advantage is that you learn of potential system problems right away. Consider the power of learning that your home temperature is dropping during winter weather conditions. This could provide invaluable lead time to prevent costly damage like frozen pipes, especially if you’re away from home when the alert arrives. The device can help you keep up with routine maintenance as well by tracking air filter usage, and reminding you when filters are ready to be changed.

Smart home technology like Nest’s helps us understand IoT and information (data) creation, but the questions of how to harness and leverage all the new information once we have it takes us back to the Big Data side of the equation…

Big Data issues are taking center stage in our movement as social science efforts explore the interrelation of Big Data and resilience at the United Nations’ Global Pulse, the Rockefeller Foundation’s Bellagio Center, the U.S. National Science Foundation and the Japan Science and Technology Agency, and the World Bank. These initiatives raise common issues around resilience and Big Data, including:

  • How can we protect privacy while still benefitting from the data?
  • How (can) the different, emerging resiliency efforts integrate into an understandable system?
  • Who are the decision-makers, data owners, and what are their rights?
  • Should insurers/reinsurers heighten engagement or simply design their own system?

It’s clear that tremendous value lies in the use of Big Data, like the IBM weather data deal described above. What we envision is applying Big Data on building features managed through a philosophy of transparency to benefit residents and communities alike. We want to capture and share the relevant building data that drives ultimate home performance during a disaster or over time, and I will cover this in a future blog.

IBM’s vision for Big (weather) Data is just the start. We all must get and stay involved to ensure we leverage Big Data, one of most promising and powerful tools for creating a reliably strong, safe and durable built environment. As we know, that is the most essential element of resilience.

New Federal Alliance for Safe Homes (FLASH)® Paper on Disaster Resilience, Insurance, and Technology

Understanding the Intersection of Resilience, Big Data, and the Internet of Things in the Changing Insurance Marketplace

There has been a recent explosion of data and technology, affecting every aspect of society. The resilience movement is no different. This paper examines the intersection of big data, including efforts to measure resilience and telematics, and the Internet of Things (IoT), including smart home technology.

From the 2005 initiative to score individual houses as part of the $250 million My Safe Florida Home program, to current efforts at the U.S. Resiliency Council to rank buildings for seismic performance, one thing is clear—comprehensive building rating programs are emerging alongside the call for disaster resilience in communities across the globe.

The other side of measuring resilience and big data generally is the IoT. Specifically, the smart home technology movement has the potential to create an enormous amount of data, and that data can revolutionize how we understand risk. This paper explores how smart home technology can make homes not just smarter, but safer and stronger as well.

The potential for smart home technology is limitless. A home can be transformed in a way that both optimizes the functionality of a dwelling, and provides previously unknown insights about the behavior of the homeowner to more accurately assess risk. There are crucial considerations to the success of smart home technology, and security and data privacy are essential. The status of telematics is examined, as well as how they represent a full circle back to the role of big data.

This paper provides a framework of considerations for approaching the potentially groundbreaking convergence of big data and the IoT to transform the resilience movement and the overall safety and strength of residential structures.

Click here to download or read the full paper.

2015 Florida Mayor’s Resilience Symposium: Local Leaders Rising to Meet the Wicked Problem of Resilience

frDuring the summer of 2012, I delivered a workshop on disaster mitigation as part of the Florida League of Mayors/League of Cities Annual Conference. I always reflect after a speaking engagement, and while I perceived that the audience was interested, I wasn’t sure I generated “edge of the seat” engagement. Understandably, Mayors are constantly balancing a long list of important priorities, and presenters just like me are always competing for their attention.

Fast forward to the summer of 2014 when I spoke again at the same conference. The audience was not only engaged, but they were on their feet. Mayor Ashton Hayward of Pensacola told us about wind mitigation retrofit programs. Mayor Sam Ferreri, an architect by profession, detailed flood mitigation infrastructure projects in his Palm Beach County community of Greenacres. All present joined the discussion of sea level rise impacts and the bipartisan South Florida Climate Action Pledge.

So what changed from 2012 to 2014? Clearly, resilience had “arrived”. Indeed, it had moved to the top of the long list of mayoral “to do’s”.

To keep the momentum going following the 2014 conference, we forged an official partnership with the Florida League of Mayors to advance our shared commitment to resilience. During May of this year, we convened the first Florida Mayors Resilience Symposium where we connected our groups and delivered a day-long program of information on disaster and climate resiliency from all angles.

In my talk, I outlined the essential elements for strong, safe, and resilient communities. Namely: strong, well-enforced codes and standards; consumers and leaders who understand, value, and demand stronger, safer buildings; higher education that includes building codes and mitigation; incentives (insurance, real estate, and tax); innovators in all sectors; and research—building, social science, and more.

I shared my conviction formed from more than 17 years in this movement that Mayors hold a powerful key. They can make the case for policies that prepare their constituents for the future. They can open (or close) the doors to adoption of modern, model building codes, and the resources necessary for enforcement of same. They can give voice to resilience as a top priority in their communities because, like politics, all disasters are local.

Federal and state governments can provide resources to communities to increase resilience beforehand, and they certainly provide resources for recovery after the fact. But the communities that are truly resilient take ownership and make it a priority to put all the pieces together ahead of time in a way that is unique to its culture, history, and values.

That is why mayors are the MVPs on the team for climate and disaster resilience.

We saw evidence of this during Ft. Myers’ Mayor Randall Henderson’s symposium presentation. He shared their waterside development plan that incorporated flood maps, evacuation zone maps, and more. Clearly, their planning incorporated insights from our friends at NOAA.

We also heard a passionate call to action from former county commissioner/now Florida State Representative Kristin Jacobs who riveted the gathering with her clarity on sea level rise and linkage between disaster and climate resilience.

This groundswell of local leadership, along with impressive initiatives to measure and quantify resilience driven by federal resources, is creating excitement and commitment that we need to advance our shared cause. However, we still need all sectors to commit and participate.

Joe Tankersley of Unique Visions, a futurist, former Walt Disney Imagineer, and member of our board of directors led the closing dialogue at the symposium and introduced resilience as a “wicked problem” requiring foresight and strategic decisions. The term “wicked problem” was popularized in the 1973 article Dilemmas in a General Theory of Planning by Horst Rittel and Melvin Webber, and it “refers to a complex problem for which there is no simple method of solution.” [Financial Times http://www.ft.com/home/us]

We agree with Joe. There is no better term when discussing the issue of resilience, and we need continue to create innovative, multi-discipline solutions to achieve our desired goals. So as we expand our partnership with the Florida League of Mayors to mayors across the nation, we will continue to listen to local challenges and needs. We will develop information and tools to empower local leaders. And we will craft innovative solutions to disaster-safety barriers.

When we do this, we will continue our trek down this path to a world that not only survives disasters, but bounces back better than before.

Making the Link: Stronger Flood Building Standards Required for Federal Funds

On January 30, 2015, the President took a major step to increasing the flood resilience in this country by establishing a Federal Flood Risk Management Standard, which ties federal dollars to stronger flood construction standards. The concept is simple: if federal funds are spent, they should be invested in structures built to last and withstand flooding.

FEMA reports that approximately 85% of disaster declarations are due to flooding, and according to the White House, between 1980 and 2013, the U.S. incurred in excess of $260 billion in flood-related damages.

And the costs are increasing. Congressional hearing testimony by Chad Berginnis, Executive Director of the Association of State Floodplain Managers, cited that flood losses have increased to average $10 billion per year.

But what parts of the country are at risk? Coastal areas seem to be the obvious answer. And more than 50 percent of Americans live or work in coastal counties.

But it’s not just coastal areas that should be flood ready and flood smart. Flooding affects the entire country.

While the Federal government insures structures for flood risk, some portion of damage incurred during flood events is not covered by insurance, and is then passed onto taxpayers. According to Congressional hearing testimony, insurance coverage from natural disaster losses is typically less than 20 percent of the total loss, and since 1983, the U.S. has spent nearly $1 trillion dollars on disaster recovery and rebuilding.

So what does this new flood standard require?

The standard requires the elevation of new buildings, roads, and other infrastructure, in and around floodplains, that are built or substantially repaired with Federal funding.

There are several ways to determine the required elevation: (1) build using “a climate-informed science approach that uses the best-available, actionable hydrologic and hydraulic data and methods that integrate current and future changes in flooding based on climate science”; (2) elevate by adding 2 feet to the base flood elevation for non-critical structures or 3 feet for critical structures; or (3) construct to the 500-year flood elevation.

Increasing freeboard, or the elevation of a structure above the base flood elevation, can result in drastic savings in the form of lessening property damage, as well as insurance discounts. The 2008 Supplement to the 2006 Evaluation of the National Flood Insurance Program’s Building Standards validated the 2006 publication’s general hypothesis of freeboard’s benefits to homeowners and communities. This report provides information regarding NFIP premiums and construction costs as they correlate to different amounts of freeboard.

Dedicated professionals in Federal agencies have been working together over the past year to develop these standards to increase our country’s resilience to flood-related disaster.

Leadership in mitigation is when people champion the cause of stopping the devastation and destruction that so many have experienced from countless disasters. Powerful voices and action are vital, because despite the many scientific advances in meteorological prediction and building science that have taught us repeatedly that we can reduce property damage by how we build, there is a phenomena of cognitive dissonance (as explained well by our friend Margaret Davidson) in which many homeowners still say, “it won’t happen to me, so I don’t need to take action”.

This specific act of leadership will make the link between money to recover, to more resilient construction that may in turn not need future recovery funds. This is a big step on the path to resilience.

We applaud the President for his leadership on this critical issue.

To learn more about the new federal flood standard and implementation guidelines (currently available for public comment), visit: whitehouse.gov.

Connect. Collaborate. Champion. The Resilience Revolution Needs You at the 2014 FLASH Annual Conference.

The word “revolution” comes from the Latin revolutio, “a turnaround”, and generally refers to change over a short period of time. So, given that we have been promoting disaster resilience for decades, you might wonder why we themed our 2014 Annual Conference, Resilience Revolution.

Here’s why: this is our time. We believe that for a host of reasons, including Hurricane Sandy, mission convergence with the climate resilience community, and an increased global interest in severe weather, our best opportunity to advance the cause of better building is right now.

But it won’t last indefinitely. We need disaster safety stakeholders to come together before the opportunity wanes. We need you to join us at the FLASH Annual Conference.

Once you arrive, you’ll find that sparks fly, in a good way. Journalists interview leaders. Panelists talk and debate. Experts meet others outside of their specialties.

Manufacturers huddle with researchers. Social psychologists share insights with communicators. After two days, everyone leaves with a better handle on how to motivate behavior change through policy leadership, marketplace innovation, and ground-up programs.

Ours is a gathering of public, private, and nonprofit organizations assembled in the spirit of one mission—strengthening homes and safeguarding families.

This year we will bring back Jim Cantore of The Weather Channel and former CNN Bureau Chief John Zarrella. Researchers from MIT, Carnegie Mellon University, and my own alma mater, University of Florida will dazzle us with breakthrough thinking. FEMA leaders, NOAA leaders, and the National Hurricane Center Directors past and present will all join us.

Corporate leaders from various sectors, including BASF—The Chemical Company, Kohler Generators, The Home Depot, Huber, Portland Cement Association, Simpson Strong-Tie Co., Target, USAA, Walt Disney World, and WeatherPredict Consulting, Inc. will help us find opportunities to advance resilience through the marketplace. These are essential voices.

We’ll share best practices with the voluntary responder organizations like the HandsOn Network and Lutheran Social Services.

We’ll talk about saving lives, preventing injuries, and shielding structures from nature’s destructive forces with academics that have dedicated their lives and careers to the cause.

We’ll have policy leaders from Florida League of Cities and the Texas Office of Public Insurance Counsel as well as mayors who have dealt with the catastrophic effects of natural disasters. These are resilience true believers, especially those that have brought their cities back to life after earthquakes, hurricanes, and more.

Last but not least, you’ll meet the most important stakeholders—real families who have survived disasters. They serve as inspiration for us all.

Our conference is a rich cross-section of opportunities, and you never know what ideas will be sparked by a casual conversation. I remember when informal brainstorming at our conference led to an idea that is now the award-winning StormStruck A Tale of Two Homes® experience at Epcot® at the Walt Disney World® Resort. That’s real magic.

We might not come up with the next educational experience at a theme park, but I am certain you will leave our conference with at least ten new ideas.

Margaret Mead famously stated, “Never doubt that a small group of thoughtful, committed citizens can change the world; indeed, it’s the only thing that ever has.” We can’t advance disaster resilience without your commitment. Please join us while the revolution is still underway.

Live from the National Hurricane Center – Tackling the Prep Paradox

If everything goes as planned, I’ll be at the National Hurricane Center in Miami tomorrow for a Satellite Media Tour with Director Dr. Rick Knabb. We’ll connect live with television, radio and online reporters, editors, correspondents and anchors through satellite link-ups. And they will, in turn, remind their audiences about the need to get ready now for flooding, high winds, hurricanes, and storm surge. We’ll be starting our 20 or so interviews before sunrise, including several segments with The Weather Channel. The “Tour” will last for about four hours.

We use media tours when the weather is quiet as they are a good way to get the public’s attention, but tomorrow should be even more effective because of the recent active tropical weather. Storms like BERTHA, ISELLE, and JULIO get the public’s attention because they showcase a pattern that plays out the same way each time. Those in the expected strike zone, (last week it was Hawaii), join in the frenzied, last-minute rush to the grocery and hardware stores to secure basic necessities while the rest of the world watches to see if they get hit by the hurricane.

This is the paradox that those of us in the disaster safety movement live with: we enjoy people’s rapt attention when storms brew, but often the public focus comes just as the window closes on the opportunity to mitigate storm effects. By the time they believe it can happen to them, it’s often too late to act on beneficial protections like flood insurance.

Somehow, many still don’t realize that nearly all homeowners insurance excludes flood damage, and that flood insurance must be in place 30 days before an incident. Even with our modern hurricane forecasting skills, we do not get a month of lead time before a specific landfall.

I’ve been thinking about this ongoing contradiction. Having people’s attention during a storm or impending disaster can save lives if they heed our program messages such as “Turn Around, Don’t Drown.” However, if they only focus on disaster preparation when trouble is impending, they are likely to suffer unnecessarily.

We know this because for more than three decades, in storm after storm, people have shared their regrets with us after the fact. They regret that lack of planning caused fear and stress for their kids. They regret scrambling for scarce supplies because of procrastination. As they clean up their water-logged homes, they regret that they missed out on simple home protection preps like boarding up, caulking windows, cleaning gutters, trimming overhanging limbs or even changing water runoff patterns in the yard.

They remember for years about how miserable it was to endure a power outage without basics like ice, water, or even peanut butter and jelly, never mind a generator or adequate fuel to run it. And they are surprised and frustrated when they lose power even though they were well outside the storm-impacted area. These regrets are compounded with health and welfare problems when the power goes out in extreme heat like Miami after Hurricane Andrew or winter cold like the Northeast after Superstorm Sandy.

We will never miss an opportunity to leverage the public’s attention with safety and prevention messages when we battle complacency directly ahead of a hurricane. But while the weather is peaceful, we will “tour” via satellite hoping to inspire and quoting Ben Franklin along the way, “By failing to prepare, you are preparing to fail.”