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Post-Disaster Redevelopment Plan City of Panama City, Florida
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Post-Disaster Redevelopment Plan
City of Panama City, Florida
September 2008
Panama City Planning and Land Use Services
9 Harrison Avenue
Panama City, Florida 32401

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Post-Disaster Redevelopment Plan
City of Panama City, Florida
Panama City Planning and Land Use Services
9 Harrison Avenue
Panama City, Florida 32401
This plan funded in part, through a grant agreement from the Florida Department of Environmental
Protection, Florida Coastal Management Program, by a grant provided by the Office of Ocean and
Coastal Resource Management under the Coastal Zone Management Act of 1972, as amended, National
Oceanic and Atmospheric Administration Award No. NA06NOS4190129. The views, statements,
findings, conclusions and recommendations expressed herein are those of the author(s) and do not
necessarily reflect the views of the State of Florida, NOAA or any of its sub-agencies.
September 2008
Prepared by:
CSA International, Inc.
8502 SW Kansas Ave
Stuart, Florida 34997
www.csa-planning.com
CSA

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | i
2007-2008 Panama City Post-Disaster Redevelopment Plan Executive Committee
City Representatives
Allara Mills-Gutcher, Planning/Land Use Services, Manager (Planning Chair/Land Use and Community
Development Working Group Co-Chair)
Jeff Brown, City Manager’s Office, Assistant City Manager (Implementation Chair)
Mike Johnson, Community Development, Director (Land Use and Community Development Co-Chair)
Neil Fravel, Public Works, Director (Infrastructure Repair Working Group Chair)
Mike Kazunas, Public Works, City Engineer
Chief Jerry Prater, Fire and Rescue Chief
Austin Andrews, Fire and Rescue
Wayne Stubbs, Port Authority, Executive Director
Charles Lewis, Port Authority, Deputy Director
Captain Robert Colbert, Police Department, Captain
Mark Aviles, Police Department
Terri Lillard, Finance
Willis Holley, Public Works
Cynthia Godbey, CRA Board, Executive Director
Nancy Wengel, St. Andrews CRA/Waterfronts Partnership
Ron Morgan, Utilities, Director
County Representatives
Mark Bowen, Emergency Management, Director
Wayne Elmore, School Board, Facility Supervisor
Mike Jones, School Board, Safety and Security Manager
Mike Geralds, Building and Permitting Services, Deputy Building Official
Valerie Michaels, Board of County Commissioners, Communications Specialist
Local and Regional Organizations/Stakeholders
Ted Clem, Bay County EDA, Executive Director, (Economic Redevelopment Working Group Chair)
Paul Runk, Bay County Chamber of Commerce, Vice President of Governmental Relations
Dr. John Holdnak, Gulf Coast Community College, Vice President of Administration and Finance
Jami Duchesne, United Way of NWFL, Communications Development Director
Diane Williams, Catholic Charities, Regional Director
Bob Pearce, American Red Cross, Executive Director
Earl Mirus, Gulf Power, Arborist
Wes Smith, Tyndall Air Force Base, Engineering Division
Randy Curtis, Panama City-Bay County International Airport, Executive Director
Jeff Prater, Naval Surface Warfare Center of Panama City, Public Affairs
Marqua Brunette, Panama City Resident
Bruce Stitt, West Florida Regional Planning Council, Director of Community Planning
Jim Crumlish, West Florida Regional Planning Council, Evacuation Clearance Regional Planner

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | iii
executive summary
Like all communities in Florida, Panama City is no stranger to disasters. Over the last few
years, major flooding, tornadoes, and coastal storms have torn apart neighborhoods and
damaged public infrastructure. In 1995, Hurricane Opal caused $6 billion in property damages
in northwest Florida. In 2004, Hurricane Ivan made landfall, resulting in $19.2 billion in
damages. While Panama City was not directly hit by either of these hurricanes, the damage
from localized flooding from storm surge, wind, and tornadoes was overwhelming. The city has
been spared from a direct hit by a major disaster over the past few years; however, this in no
way predicts the future. Because of this, the city has decided to take a proactive approach to
planning for long-term redevelopment and recovery by creating the Panama City Post-Disaster
Redevelopment Plan (PDRP).
A PDRP identifies policies, operational strategies, and roles and responsibilities for
implementation that will guide decisions that affect community long-term recovery and
redevelopment after a disaster. The plan emphasizes seizing opportunities for hazard
mitigation and community improvement consistent with the goals of the local comprehensive
plan and with full participation of the citizens. Recovery topics addressed in the plan should
include business resumption and economic redevelopment, housing repair and reconstruction,
infrastructure restoration and mitigation, short-term recovery actions that affect long-term
redevelopment, sustainable land use, environmental restoration, and financial considerations as
well as other long-term recovery issues identified by the community.
Panama City was selected as a pilot community with the Florida Department of Community
Affairs (DCA) and Division of Emergency Management’s PDRP Statewide Initiative, which
entitled the city to technical and financial assistance by both State and Federal resources.
Panama City was the only city included in the initiative to test whether PDRP should be studied
as a single or multi-jurisdictional planning effort. The experiences and lessons learned by the
city will be used in developing statewide guidance for future PDRPs.
Direction for this planning process was provided by the Panama City PDRP Executive
Committee (see page i for membership), a group consisting of Mayor-appointed representatives
from city and county agencies as well as non-profit organizations, economic development
leaders, and other stakeholders in the community. The Panama City PDRP Executive
Committee conducted five formal meetings where they discussed the roles and responsibilities
of all agencies in a post-disaster environment and analyzed a report on the vulnerability of the
community and how their current plans, such as the local comprehensive plan, countywide
hazard mitigation plan, and countywide comprehensive emergency management plan, address
the subject of post-disaster recovery. Ultimately, this led to the identification of post-disaster
redevelopment issues for the community as well as goals and actions necessary to address
these issues. The Panama City PDRP is an ongoing effort and will continue beyond this initial
planning phase. As a next step, the city plans to present this plan to the public to encourage the
involvement of local residents and business owners in the planning process and begin to
implement many of the pre-disaster related actions identified in Section 9.
It is the hope of the PDRP Executive Committee that this document initiates the steps needed to
enable the city to recover from a disaster in the most efficient manner to ensure the long-term
vitality and resiliency of the community.

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | v
table of contents
Page
1. INTRODUCTION ................................................................................................................1-1
1.1
Purpose and Authority..........................................................................................1-1
1.2
How to Use this Plan............................................................................................1-1
1.3
Relevant Plans and Policies.................................................................................1-3
2. MAJOR POST-DISASTER REDEVELOPMENT GOALS AND ISSUES...........................2-1
2.1
Land Use and Community Development .............................................................2-1
2.2
Economic Redevelopment ...................................................................................2-3
2.3
Long-Term Infrastructure Repair..........................................................................2-4
2.4
Communications ..................................................................................................2-5
2.5
Post-Disaster Financing and Capacity.................................................................2-6
3. LOCAL PLANS INTEGRATION.........................................................................................3-1
3.1
City of Panama City Comprehensive Plan...........................................................3-1
3.2
Bay County Local Mitigation Strategy ..................................................................3-2
3.3
Bay County Comprehensive Emergency Management Plan...............................3-3
3.4
Panama City All-Hazards Disaster Plan...............................................................3-4
3.5
Bay County Transportation Planning Organization: 2030 Long Range
Transportation Plan..............................................................................................3-5
3.6
Bay County Economic Development Alliance Program of Work..........................3-5
4. POST-DISASTER VULNERABILITIES IDENTIFICATION................................................4-1
4.1
Methodology ........................................................................................................4-3
4.2
Housing Vulnerability ...........................................................................................4-6
4.3
Economic Vulnerability.......................................................................................4-13
4.4
Socioeconomic Vulnerabilities ...........................................................................4-23
4.5
Public Infrastructure and Facilities Vulnerability ................................................4-29
4.6
References.........................................................................................................4-38
5. INSTITUTIONAL CAPACITY ASSESSMENT ...................................................................5-1
5.1
Existing Capacity..................................................................................................5-1
5.2
Recommendations for Improving Capacity ..........................................................5-2
6. IMPLEMENTATION............................................................................................................6-1
6.1
Organizational Structure and Function.................................................................6-1
6.2
Decision-Making Authority ...................................................................................6-3
6.3
Roles and Responsibilities...................................................................................6-5
6.4
Action Identification, Prioritization, and Implementation.....................................6-11

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6.5
Monitoring, Reporting, and Updating .................................................................6-12
6.6
Training Sessions...............................................................................................6-12
7. POST-DISASTER REDEVELOPMENT FINANCIAL RESOURCES .................................7-1
7.1
City Financial Reserves and Revenue Sources...................................................7-1
7.2
Disaster Recovery Financial Resources ..............................................................7-1
8. COMMUNICATION AND PUBLIC OUTREACH ................................................................8-1
8.1
Information Collection and Dissemination............................................................8-1
8.2
Public Participation in Redevelopment Decisions................................................8-3
8.3
Regional and State Coordination .........................................................................8-5
9. ACTION PLAN ...................................................................................................................9-1
9.1
Land Use and Community Development Actions.................................................9-2
9.2
Economic Redevelopment ...................................................................................9-5
9.3
Long-Term Infrastructure and Public Facility Repair ............................................9-8
9.4
Communications...................................................................................................9-9
9.5
Local Post-Disaster Financing and Capacity......................................................9-11
APPENDICES
APPENDIX A: ADOPTION DOCUMENTATION ............................................................... A-1
APPENDIX B: LOCAL AND STATE POLICIES RELATED TO THE
POST-DISASTER REDEVELOPMENT PLAN .......................................... B-1
APPENDIX C: DOCUMENTATION OF PLANNING PROCESS ....................................... C-1
APPENDIX D: MUTUAL AID AGREEMENT ..................................................................... D-1
APPENDIX E: DEBRIS MANAGEMENT CONTRACTS AND SITES ............................... E-1
APPENDIX F: TEMPORARY HOUSING AND DEBRIS MANAGEMENT PLAN
EXAMPLES.................................................................................................F-1

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 1-1
1. introduction
1.1 PURPOSE AND AUTHORITY
The purpose of the Panama City Post-Disaster Redevelopment Plan (PDRP) is to
provide the city with a detailed guide for implementing long-term recovery and
redevelopment following a disaster. A PDRP identifies policies, operational strategies,
and roles and responsibilities for implementation that will guide decisions affecting
long-term recovery and redevelopment of the community after a disaster. The plan
emphasizes seizing opportunities for hazard mitigation and community improvement
consistent with the goals of the local comprehensive plan and with full participation of the
citizens. Recovery topics addressed in the plan include business resumption and
economic redevelopment, housing repair and reconstruction, infrastructure restoration
and mitigation, short-term recovery actions that affect long-term redevelopment,
sustainable land use, environmental restoration, and financial considerations as well as
other long-term recovery issues identified by the community. Adopting a PDRP will put
the city in a better position to recover more rapidly and take advantage of mitigation
opportunities to create a more resilient community. The intent of this plan is not to
duplicate what is already included in the Panama City Comprehensive Plan, Bay County
Comprehensive Emergency Management Plan (CEMP), or Bay County Local Mitigation
Strategy (LMS), but rather clearly define the long-term, post-disaster roles and
responsibilities of the city and provide a road map on how to effectively utilize other
planning mechanisms and agencies after a disaster.
Florida regulations require that all coastal jurisdictions prepare a PDRP that “will reduce
or eliminate exposure of human life and public and private property to natural hazards”
(§9J-5.012(3)(b)(8), F.A.C.). See Appendix B for all Statutes and Rules in Florida
related to post-disaster redevelopment planning. This plan implements Policies 5.6.3 to
5.6.9 of the Panama City Comprehensive Plan, which are related to post-disaster
redevelopment. This plan has been developed in accordance with the draft guidelines
developed by the Florida Department of Community Affair’s Statewide PDRP Focus
Group and serves as a pilot for this project.
1.2 HOW TO USE THIS PLAN
The PDRP is meant to serve as a single source for long-term recovery and
redevelopment issues in the city. Due to the identified vulnerabilities of the city, this plan
particularly addresses wind and flood events such as hurricanes, tropical storms, and
tornadoes. There is no clear delineation between the short-term response operations
phase and the recovery and mitigation phases of emergency management. Figure 1.1
shows the cycle of disaster risk management, with the orange and yellow portions
representing the long-term, post-disaster phases that this PDRP is to address.

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Source: Australian Development Gateway
Figure 1.1 Disaster Risk Management Cycle
The Panama City PDRP, a pilot project of the Statewide PDRP Initiative, was developed
using the draft guidelines created by the State Initiative Focus Group. Section 1
(Introduction) describes the foundation and purpose of the plan as well as how to utilize
the plan following a disaster. Section 2 (Major Post-Disaster Redevelopment Goals and
Issues) presents goals and issues identified by the Panama City PDRP Executive
Committee during the planning process that provide the basis for the actions developed
later in the planning process. The first two sections of the plan also serve as an
educational tool for the public or anyone wishing to gain a general understanding of the
PDRP. Section 3 (Local Plans Integration) provides an overview of the existing
planning documents and how they relate to the PDRP and could be further integrated
into the PDRP in future updates. Section 4 (Post-Disaster Vulnerabilities Identification),
an analysis unique to this plan, examines the vulnerability of the city in terms of the built
environment, future development, and social and economic factors. This section is
meant to be used for planning purposes to give a general snapshot of the conditions that
exist in Panama City that could potentially become major issues in a post-disaster
environment. Section 5 (Institutional Capacity Assessment) evaluates what is currently
in place in the city that would be useful during the recovery and redevelopment phase
following a disaster and presents suggestions for future actions that would strengthen
this plan. This section is based on the knowledge obtained during the local plans
assessment and from meetings and interviews with local staff. Section 6
(Implementation), Section 7 (Finance), and Section 8 (Communication) provide the

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 1-3
organizational structure of the plan execution process as well as the financial and
communication resources available at the local level that can aid the city after a disaster.
The final section of the plan, Section 9 (Action Plan), is considered the most important
to the city as it lists the pre- and post-disaster actions necessary in order to recover and
redevelop in the most efficient manner possible. The actions were developed based on
the goals and issues identified during the planning process. While the initial planning
effort has been completed, this is an ongoing process and there are quite a bit of pre-
disaster actions vital to the plan that have not yet been undertaken. This section
identifies these actions and describes the responsible local agency as well as
timeframes and possible funding sources, if needed.
The appendices provide tools and information to guide further development of the PDRP
and, ultimately, plan implementation. Appendix A contains documentation of the
adoption of this plan. Appendix B details all State and local policies that relate to the
PDRP. Appendix C documents the planning process, including a list of attendees at the
various meetings as well summaries of the meetings. Both Appendices D and E
contain current mechanisms in place that will aid the city in the recovery process,
including a mutual aid agreement and pre-arranged debris removal contracts and sites.
Finally, Appendix F includes sample debris management and temporary housing plans
that the city could use during the development of its own plans.
1.3 RELEVANT PLANS AND POLICIES
Currently, the state requirements regarding PDRPs are limited, and there are no federal
requirements governing the plan. The result of the Statewide PDRP Initiative will be
finalized guidelines and possible rule changes with regards to PDRPs; however, as this
initiative is currently in the pilot phase, these will not be available until 2009. At this time,
Florida Statutes require that PDRPs, “at a minimum, establish long-term policies
regarding redevelopment, infrastructure, densities, non conforming uses, and future land
use patterns” (§163.3177(7)(1) F.S.). There are other issues regarding post-disaster
recovery and redevelopment that have been identified, and, at this time, some are
included in other plans such as the CEMP, LMS, and Local Comprehensive Plan. As
previously mentioned, the intent of this plan is not to duplicate the efforts of these other
plans, but to provide a single source for using these plans post-disaster as effectively as
possible and identify further long-term recovery needs. Table 1.1 shows how the
functions of these plans relate to one another concerning hazard issues. Appendix B
contains a detailed list of all relevant policies from these plans that relate to post-disaster
recovery.

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Table 1.1 Florida’s Planning Framework: How Local Plans Address Hazard Issues
Purpose and Use
CEMP LMS
Comp Plan
(coastal)
PDRP
Provide hazard assessment information
Define procedures for evacuation and sheltering services
Define policies for maintaining and enhancing evacuation
clearance times
Define capital expenditure priorities for enhancing evacuation
and sheltering capacities
Define policies and capital expenditure priorities for making the
environment less hazardous
Define policies for making structures more resistant to natural
hazard forces
Define capital expenditure priorities for making public facilities
more resistant to natural hazard forces
Define policies for managing the pre-disaster development and
redevelopment of land exposed to natural hazards
Define operational procedures for post-disaster recovery and
redevelopment
Define policies for governing post-disaster recovery and
redevelopment actions
Source: Florida Department of Community Affairs, 2006
CEMP
= Comprehensive Emergency Management Plan.
Comp Plan = Local Comprehensive Plan.
LMS
= Local Mitigation Strategy.
PDRP
= Post-Disaster Redevelopment Plan.

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2. major post-disaster redevelopment goals and
issues
This section provides a description of the major goals and issues identified as priorities for the
City of Panama City at this time. These five Topics and their respective Issues have been listed
by priority as assigned by the Executive Community (highest to lowest):
Topic 1. Land Use and Community Development
Issue 1. Streamlining the redevelopment process
Issue 2. Disaster housing
Issue 3. Include mitigation in redevelopment
Issue 4. Affordable and attainable housing
Issue 5. Environmental restoration
Issue 6. Restoration of cultural and historical resources
Topic 2. Economic Redevelopment
Issue 1. Retention of major employers
Issue 2. Local business assistance
Topic 3. Long-Term Infrastructure and Public Facility Repair
Issue 1. Infrastructure and public facility repair
Issue 2. Long-term debris management
Topic 4. Communications
Issue 1. Communications with stakeholders pre-disaster
Issue 2. Communications with stakeholders post-disaster
Topic 5. Local Post-Disaster Financing and Capacity
Issue 1. Local financial reserves
Issue 2. Local capacity
2.1 LAND USE AND COMMUNITY DEVELOPMENT
GOAL: The City of Panama City will strive to manage the recovery and redevelopment
process of the community to aid in rapid recovery while seizing any opportunities that
may arise to redevelop in a more sustainable manner.
1. Streamlining the Redevelopment Process
During recovery from a disaster, emergency procedures need to streamline the various
permitting processes mandated at the local level. While some of these procedures are
out of the jurisdiction of the city, there are local procedures that could be temporarily
altered to assist business owners and residents with recovery. Examples of this could

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include streamlining development orders for affordable housing developments to
function as long-term housing for displaced residents or emergency occupancy
permitting procedures for businesses that must relocate. The determination of which
procedures can be streamlined before a disaster occurs will ensure that considerations
are made for any negative long-term impacts.
2. Disaster Housing
The siting of disaster housing is a short-term recovery measure that has long-term
implications. However, this also is one of the fundamental needs of a community
immediately following a disaster and, if pre-planned, can be a success. The city does
not currently have a disaster housing plan in place to address the needs of the displaced
population; however, plans to undertake this process may be sought in the future. As an
implementation action of the PDRP, the city should pre-identify criteria for temporary
housing types and location to avoid unintended long-term implications such as
incompatible land uses.
3. Include Mitigation in Redevelopment
Rebuilding from a disaster provides an opportunity to mitigate future hazard impacts and
build back a more resilient community. Redevelopment projects, especially those that
are public expenditures, should be examined for mitigation opportunities to ensure that
the city is working to avoid repetitive losses and unnecessary future expenditures.
Hazard mitigation initiatives, such as the following, could be incorporated into the
procedures for development review:
Encourage cluster development on properties that have the potential to negatively
impact natural protective features such as wetlands, floodplains, and coastal
resources.
Recommend the use of setbacks and buffers around natural protective features.
Utilize incentive zoning, allowing developers to exceed certain zoning incentives such
as density. This encourages developers to take hazard mitigation measures such as
the ones listed above.
Following a disaster, the city should enforce rules that require any structure that is
damaged beyond 50% of its total value to be built back to the current building code
standards (Policy 1. 16.2, City of Panama City Comprehensive Plan). If the disaster is a
federally-declared event, the city will be eligible for various mitigation funding
opportunities, including the Public Assistance Program and the Hazard Mitigation Grant
Program. Both of these resources can be used to incorporate mitigation practices into
the redevelopment process. Examples of eligible projects include hardening or elevation
of structures, acquiring private repetitive loss structures, or relocating public structures
and infrastructure outside of hazard-prone areas. Identifying mitigation projects for
infrastructure and public facilities prior to a disaster and placing them on the LMS Project
List could result in a smart redevelopment decision, potentially saving taxpayers money
and building more resilient structures. Public outreach on mitigation techniques for
private structures (i.e., homes and businesses) before and after a disaster could assist
many in taking extra steps during rebuilding to make their home or business stronger for
the next hurricane.

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4. Affordable and Attainable Housing
While not currently a major issue for the city, the lack of affordable and attainable
housing could become a problem. A disastrous event can exacerbate the availability of
workforce housing because often pre-code and mobile homes receive an inordinate
share of the damages suffered by the city. A large portion of the city and surrounding
region’s economy is based on the tourism and service industry. Without housing for low
to moderate income residents to occupy, staff support for these two key industries may
become an issue.
5. Environmental Restoration
Environmental restoration is an important component of long-term recovery that helps
restore the quality of life for the community. This topic may include beach restoration in
areas where erosion has taken place or restoring wetlands and coastal vegetation that
provide a natural barrier to wave action from a storm. Pre-disaster policies can be
drafted that discourage the use of structural erosion barriers that limit natural mitigation
and criteria for prioritizing post-disaster property acquisitions for coastal properties that
can be restored as a buffer to storm surge. Other environmental restoration activities
can include the cleanup of hazardous material contamination that could occur from
storm damage. Another environmental issue after a disaster can be restoring the urban
forests that provide cooling and air quality benefits to urban areas.
6. Restoration of Cultural and Historic Resources
The history and culture of Panama City can be found along its coastlines. The city has
made these resources a priority by establishing four CRAs. All four locations are rich in
the history of this community and include working marinas, historic homes, restaurants,
commercial establishments, and parks where the community often meets for festivals.
Three of these areas also are located along the coastline and are vulnerable to coastal
storms and flooding. Section 4 includes an analysis of the vulnerability of historic
structures and the CRAs. The city should incorporate mitigation techniques into future
redevelopment of these areas to ensure that the next generations can enjoy the
community’s history and culture.
2.2 ECONOMIC REDEVELOPMENT
GOAL: The City of Panama City, the Bay County Economic Development Alliance, and
the Bay County Chamber of Commerce will work in partnership to restore and enhance
the local economy and develop any new economic opportunities that may arise as a
result of a disaster.
1. Retention of Major Employers
If not dependent on a specific location, both large and small businesses that receive a
significant amount of damage may chose to relocate outside of the impacted area. This
can affect the unemployment rate of the city and endanger support or service
businesses dependent on the major employers. Major employers are identified in
Section 4. The city, partnering with the Bay County Economic Development Alliance
and the Bay County Chamber of Commerce, could begin conversations with major
employers on their plans for disaster recovery and share the city’s plan that includes

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measures for economic recovery. Members of these major employers and other
interested businesses could become an advisory committee for the PDRP in the future
and continue to meet on a regular basis in order to contribute to post-disaster initiatives.
The city and its partners also should continue these lines of communication and support
immediately following a storm to reassure the businesses that the city is ready to assist.
2. Local Businesses Assistance
Business interruptions and failures from disastrous events can cause significant damage
to the local economy in terms of lost productivity, wages, and employment. Research
from a variety of sources, including the U.S. Department of Labor Statistics, consistently
reports that 50% to 70% of businesses either never reopen after a major disaster or fail
shortly after reopening. Small businesses are represented disproportionately higher
among business casualties. This can be attributed to various reasons, including the
extent of damage in a community, timing of re-opening, and lack of financial reserves.
Short periods without cash flow can be damaging, and smaller businesses often are not
supported by loans provided by the Small Business Administration (SBA) in a timely
manner or, occasionally, at all. The State Emergency Bridge Loan Program can help
during these the gaps in financial assistance; but with limited funds, it is often not
enough. The city should explore partnering with the Bay County Economic Development
Alliance and the Bay County Chamber of Commerce to discover other methods of
assistance for local businesses such as resource sharing, coordination, and other
support mechanisms that may involve financial assistance.
2.3 LONG-TERM INFRASTRUCTURE AND PUBLIC FACILITY REPAIR
GOAL: The City of Panama City will strive to manage debris, restore utilities, and repair
infrastructure efficiently, taking mitigation into consideration during the long-term
redevelopment of infrastructure and structures to ensure that sound public investments
avoid future damages.
1. Infrastructure and Public Facility Repair
The long-term repair of infrastructure and facilities such as major roads, bridges,
wastewater treatment plans, and other utilities is essential to establishing normal
operations within a community. The repair of these types of infrastructure and facilities
is often necessary for other types of recovery and redevelopment efforts to take place.
The Bay County CEMP addresses infrastructure and facility repair for the county;
however, some of the structures and infrastructure are city-owned. Therefore, the city
should have a plan in place, separate from the county plan, to determine how to best
prioritize and carry out these repairs. This plan could be based on Section 4 as well as
other vulnerability analyses in the LMS and CEMP. In addition to this, dates of
construction and whether or not the building or piece of infrastructure has been
hardened can be used to help assess the vulnerability. The city should prioritize the
entire infrastructure and facilities list based on the level of vulnerability and then begin a
long-term plan for the redevelopment. The projects in this plan could then be placed in
the LMS for funding as well as the Capital Improvements Element of the Comprehensive
Plan. The city also should consider the amount of funding that will be required for each
of these projects as well as the timeframes required for project completion when
determining which budget year the project will fall under. The city should then work to
gather all of the information that will be needed to put a grant application together for

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programs such as the Federal Emergency Management Agency’s (FEMA’s)
Pre-Disaster Mitigation and Hazard Mitigation Grant Programs. These applications are
time consuming to prepare, and in the aftermath of a disaster, mitigation opportunities
are often lost because of the amount of time it takes to prepare the application; staff time
is already being stretched to the maximum. The city also may decide to contract out the
preparation of grant applications. This can be done both before and after the disaster. It
is recommended that the city pre-identify private firms familiar with the Hazard Mitigation
Grant Program and post-disaster mitigation applications processes and possibly enter
into pre-arranged grant writing contracts, as these firms are often in high demand during
the application cycles following a disaster.
In addition, the city should develop a Continuity of Operations Plan that addresses the
relocation of essential functions should these critical facilities be damaged. The city also
should consider (both pre- and post-disaster) how to best incorporate mitigation into the
redevelopment process in order to ensure that sound public expenditures are taking
place and minimize the opportunity of the facility being damaged in the future.
2. Long-Term Debris Management
Debris management is generally considered one of the first things that must be done
before the recovery and redevelopment process can begin. This task is important to
ensure the public safety as people return to their daily routines and try to salvage and
repair what is left of their disaster-damaged businesses or homes. It is important for the
city to identify who will be undertaking the debris removal process as well as where this
debris will be placed. If private property owners decide to relocate, it may lead to delays
in the clean-up process of their property or ultimately in the abandonment of the
property. The city should determine how it will handle the clean-up of these abandoned
properties because they could potentially include hazardous debris. This could be
addressed through close coordination with the county on the enforcement of current
codes and ordinances that address this issue. Also, the city should designate locations
for debris that can become public health concerns, such as large piles of hazardous
materials, etc. All of these issues are very important components of a Debris
Management Plan. The city currently has pre-arranged debris removal contracts as well
as designated places for the management of the debris. These contracts and a map
displaying this information can be found in Appendix E.
While the city has done quite a bit of the groundwork toward a Debris Management Plan,
an approved plan does not currently exist. There are still things the city could do that
could be included in this plan. It is suggested that the city examine the property
currently designated for debris management and determine if it meets the environmental
requirements. In addition, the city should determine the pre-existing conditions of both
the soil and groundwater in this area to have a benchmark for the conditions to which it
must be restored after use. The city may also wish to develop building material reuse
and recycle drop off points. Often in a rush to rebuild, there are many left over
construction materials left unutilized. These could be dropped off at designated sites for
reuse. In order to make this a success, the city must develop a well thought out process
for exchange as well as a public education campaign on the recycle and reuse program.
Once the city finalizes its Debris Management Plan, it should then replace the document
presented in Appendix E.

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2.4 COMMUNICATIONS
GOAL: The City of Panama City will work to ensure that there are open lines of
effective communication between city officials, partnering agencies, and the public with
regard to post-disaster redevelopment so that all stakeholders are involved in the
recovery planning process both prior to and following a disaster.
1. Communicating with Stakeholders Pre-Disaster
Establishing lines of communication before a disaster strikes helps create a sense of
reassurance in the community. Residents and business owners understand that the
community is taking a proactive approach to redevelopment planning when this
communication structure exists, and this effort transmits the message that recovery is
important to the community. This involves both educating stakeholders on the
post-disaster recovery procedures and actions in addition to how the plan will be
implemented in the aftermath of a disaster as well as explaining to the public the types of
things that they can expect after a disaster and educating them on what they can do to
prepare for long-term recovery. The city should continue its efforts to involve all local
stakeholders, including business owners and residents, in the process to ensure that the
PDRP has public support and that the actions can be implemented in both the pre- and
post-disaster environments. More information on the city’s plan to communicate with
stakeholders before a disaster strikes can be found in Section 8.
2. Communicating with Stakeholders Post-Disaster
Creating strong lines of communication during the recovery phase of disaster will further
the initial reassurance created during the pre-disaster communication efforts. This is
accomplished by creating central hubs for information dissemination, such as Disaster
Recovery Centers (DRC) for both residents and business owners. Information on
temporary housing and commercial rental space should be provided as well as
information on financial aid and assistance. Also, this is a good place to locate a list of
licensed and insured contractors that can perform repair work and the necessary forms
needed by building officials for permitting. The city should pre-determine the types of
information that will be needed at these centers and develop tools for use. Also, the city
should pre-determine staffing for these centers. As these DRCs will most likely be
needed by the entire county, the city should coordinate this effort with surrounding
jurisdictions and the county. This will convey a strong sense that the city is there to help
and discourage the relocation of businesses and residents.
In addition to this, communication techniques aimed at creating a sense of recovery can
be used to encourage relocated citizens to return to the area and retain the current
population, creating a positive message about the city’s recovery to both the tourism
industry and possible business investors. This can be accomplished through public
outreach campaigns and a variety of media outlets such as websites, newsletters,
television, etc. Direct lines of communication with both residents and business owners
that received an extensive amount of damage are also important when undertaking a
detailed redevelopment effort of these concentrated areas. The community should have
a voice in how an area is redeveloped. This can be accomplished using a localized
visioning process involving charettes. More information on the positive redevelopment
campaign as well as the visioning process and other methods of communication
following a disaster can be found in Section 8.

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 2-7
2.5 LOCAL POST-DISASTER FINANCING AND CAPACITY
GOAL: The City of Panama City will ensure an efficient recovery by ear-marking
financial reserves needed, pre-identifying staff capacity and limitations, and taking action
to remedy these limitations in both the pre- and post-disaster environment.
1. Local Financial Reserves
Financial reserves for disaster recovery are necessary to ensure that the city is fiscally
able to fund the recovery and redevelopment process. While there are many different
federal and state sources for financial aid, these often require a match. Without a
sufficient amount of capital available to cover the match, the city will quickly find itself in
debt. Just as the local economy will take a substantial hit following a disaster, local
government revenue sources will as well because communities often experience a loss
in tax revenue due to the decrease in property values and increases in bond defaults,
bankruptcies, and mortgage foreclosures. The city should look at its current financial
reserve and assess its regular revenue sources for potential post-disaster impacts.
Alternative solutions for dealing with a post-disaster budget crisis should be explored
pre-disaster so that the city can ensure all levels of service are maintained or enhanced
as necessary after a disaster. This is discussed in detail in Section 7.
2. Local Capacity
The capacity to manage a recovery effort can often exceed the capabilities of a local
government. Tasks such as debris management, the management of the FEMA
reimbursement process, grant writing, and development order review can overwhelm
local staff, many of whom are having to manage their own personal recovery efforts.
Mutual aid and interlocal agreements with other cities are often used to supplement the
efforts of local staff. Currently, the city has a mutual aid agreement in place with the City
of Naples and the City of Port Orange. Panama City should examine the services
provided under their current agreements to determine if they should be augmented to
include more. Another resource for providing additional assistance to a local
government is contracting disaster recovery and management services to firms who
specialize in this type of work. Pre-arranging contracts prior to a disaster ensures that a
community can activate these contracts as quickly as possible. At this time, the city has
a pre-arranged contract for debris management; however, it could consider developing
contracts for other types of services as well.

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 3-1
3. local plans integration
The purpose of the PDRP is to guide the redevelopment decision-making process following a
disaster in a manner consistent with the local comprehensive plan, LMS, CEMP, Land
Development Regulations, and economic development plan for the county. Therefore, during
the planning process, it is important to examine these plans to determine 1) how well Panama
City currently accomplishes this goal; 2) if there are components that could be improved to
further this goal; and 3) which elements of these plans should be included in the PDRP. When
a community examines other planning mechanisms and integrates the goals and principals of
these plans into one another, they create a multi-faceted planning program that is much more
effective than the individual stand-alone plans. Panama City has a variety of planning
documents that guide its every day decision-making process with regards to economic
development, land use, transportation, mitigation, and emergency management. For this
assessment, the following city and countywide plans were reviewed:
▪ The City of Panama City Comprehensive Plan (2000)
▪ The Bay County Local Mitigation Strategy (2005)
▪ The Bay County Comprehensive Emergency Management Plan (2004)
▪ Panama City All-Hazards Disaster Plan (2006)
▪ The Bay County Transportation Planning Organization 2030 Long Range Transportation
Plan (2007)
▪ The Bay County Economic Development Alliance Program of Work (2008)
3.1 CITY OF PANAMA CITY COMPREHENSIVE PLAN
The City has a well developed comprehensive plan with regards to post-disaster
redevelopment issues and activities. The following is summary of the relevant policies
found in the Plan. See Appendix B for the complete list of policies.
Economic Development
1. Contains a Special Industrial District that recognizes the need for industrial activities
to support the local economy, while providing protection for environmentally
sensitive areas (Policy 1.1.1, 7(a)).
2. Focuses on industrial and manufacturing jobs within the city (Objective 1.17).
3. Promotes economic development and coordination with the Bay County Chamber of
Commerce and Economic Development Alliance (Policy 1.17.2).
4. Promotes the identification and attraction of new industries with growth potential in
the city (Policy 1.18.2).
Mitigation
5. Recognizes the City’s Flood Prevention Ordinance and ensures enforcement
(Policy 1.1.4(7)).
6. Limits coastal development in order to maintain current evacuation clearance times
(Objective 1.5).
7. Contains the intent to provide a drainage program that will provide reasonable
protection from flood damage to public and private property (Goal 4).

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3-2 | panama city plans integration assessment
8. Contains a strong coastal management element that aims to maintain the quality of
coastal resources by restricting development activities that damage or destroy
coastal resources (Goal 5).
9. Integrates hazard mitigation into the comprehensive plan and states the intent to
incorporate future recommendations of the LMS into the plan (Policies 5.6.7 to
5.6.8).
10. Includes hazard mitigation provisions in the Post Master Sub-Element (Goal 2).
Emergency Management
11. Prohibits the location of special needs facilities in the hurricane evacuation zone
(Policy 1.5.1).
12. Takes a regional approach to stormwater management and includes policies to
protect natural drainage features (Policies 1.12.3 to 1.12.4).
13. References a city-maintained list of elderly, handicapped, or infirmed persons that
might require special evacuation assistance (Policy 5.5.3).
14. Commitment to maintain existing evacuation times by limiting density and intensity
of land uses and incorporate this information into the County CEMP (Policy 5.6.10).
Redevelopment
15. Promotes redevelopment of blighted areas (Objective 1.3).
16. Has a non-conforming use clause that disallows the redevelopment of a structure
that is damaged to the extent of 50% or more of its replacement cost unless
approved by the City Commission (Policy 1.16.2).
17. Contains policies aimed at eliminating sub-standard housing (Objective 3.2).
18. States that post-disaster redevelopment will be undertaken in conformance to the
City’s Flood Damage Prevention Ordinance and Land Development Regulations
(Policy 5.6.3).
19. Contains policies stating the permit process for short- and long-term recovery
following a disaster (Policy 5.6.4 to 5.6.5).
20. Incorporates hazard mitigation into the post-disaster redevelopment permit review
process (Policy 5.6.6).
21. States that repetitive loss structures will be modified or removed during the
post-disaster redevelopment process (Policy 5.6.9).
Comments: The plan provides a great base for integrating hazard mitigation into future
development as well as a strong focus on economic development. In the future update
of this plan, the city should examine the goals and actions outlined in the PDRP to
develop the additional policies that support post-disaster redevelopment planning.
3.2 BAY COUNTY LOCAL MITIGATION STRATEGY
The Bay County LMS includes a detailed assessment the post-disaster redevelopment
process of the city and its risks that is important to. The following is a summary of the
relevant information found in the plan. See Appendix B for a complete list of relevant
information.

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 3-3
1. Discusses the hazards to which the city is vulnerable and what impacts they may
have on the city.
2. Incorporates current and future land uses and growth trends.
3. Includes a risk assessment for the city.
4. Contains a list of critical facilities located in the city and their level of vulnerability
(not for public disclosure).
5. Identifies the Panama City Point of Contact for the LMS.
6. Includes a mitigation project for the city.
Comments: The plan provides detailed text on the risk and vulnerability of the city. In
the future, the plan may include wildfire as a hazard in the city. According to the Florida
Risk Assessment System, there are some areas with a moderate to high risk for wildfire.
Also, the city may wish to include more mitigation projects on the prioritized project list
as there are only a few currently listed. Listing these projects in the LMS can provide
grant funding for the city in regards to post-disaster redevelopment and mitigation
actions. Maps could also be helpful when describing the risk and vulnerability faced by
the community. The city could also consider taking a more active role in the Bay County
LMS Committee and the LMS update that will be completed in 2010. Many of the
actions identified in the Action Plan of this PDRP should be placed on the LMS
Prioritized Project List for funding. By taking a more active role in the committee, the city
will be able to apply for grant funding to implement the actions when available because
this is a good source of funding for the city.
3.3 BAY COUNTY COMPREHENSIVE EMERGENCY MANAGEMENT PLAN
The Bay County CEMP contains the operational procedures for the preparedness,
response, recovery, and mitigation phases of a disaster. The following is a summary of
the relevant information found in the plan. See Appendix B for a complete list of
relevant pieces.
1. Contains a statement that declares its purpose to predetermine actions to be taken
by Bay County and its municipalities to prevent disasters, reduce the vulnerability of
the community, and provide for the recovery after a disaster (BP-2).
2. Includes an economic profile of the county (BP-17).
3. Defines the following levels of disaster: minor, major, and catastrophic (BP-19).
4. Addresses mutual aid agreements (BP-19 and BP-32).
5. Describes the Executive Section as responsible for the decision-making process
with both county and city divisions (BP-21).
6. Acknowledges that long-term recovery could take years to complete (BP-23).
7. Discusses the steps taken during the recovery phase, including short- and long-term
recovery efforts (BP-28 to BP-31).
8. Describes the role of each section in the recovery process (BP-41 to BP-45).
9. Discusses recovery information dissemination to the public (BP-50).
10. Includes the Bay County Comprehensive Plan as one of the plans that provides the
basis for emergency management operations in Bay County.
11. Identifies Fire Stations as the appropriate location for disaster services coordination
because they are positioned throughout the county (BP-59).
12. States that Bay County will use their tourist accommodations for temporary housing
(i.e., hotels and condos) in the event of a disaster. If not available, the county will
request portable housing in the nearest safe location (BP-67).

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13. Declares that the Public Works Section is responsible for coordinating the
Preliminary Damage Assessment, Debris Removal, restoration of critical services,
and facilities, and repair of damaged infrastructure (ICSS-2).
14. Determines that the Finance Section is responsible for tracking all related response
and recovery costs and evaluating overall financial impact (ICSS-2).
15. Assigns responsibility for providing facilities, services, and materials to support all
response and recovery operations as well as the establishment of the VOAD,
Transportation and Resource Management Group to the Logistics Section (ICSS-2).
Comments: The Bay County CEMP is a document that meets the needs of the county
in an emergency situation. Although the fact that coordination with municipalities will
take place is mentioned briefly in the document, it is unclear how it relates to the
municipal disaster planning documents and structures currently in place. There also
seem to be a few charts and a matrix missing that might be helpful when examining the
response and recovery format. During the second Panama City PDRP Executive
Committee meeting, it was pointed out that the current Bay County CEMP is not NIMS
compliant and is currently undergoing a revision. Also, the County has reported that in
the future, the size and structure of the new Emergency Operations Center (EOC) will be
able to accommodate more personnel to allow for better city-county communications
during disaster recovery. The city may wish to take a pro-active role with the County
and, while this process is currently undefined, offer to help them structure how
municipalities will be included in disaster recovery issues in the future.
3.4 PANAMA CITY ALL-HAZARDS DISASTER PLAN
The City of Panama City has several disaster plan documents that describe internal
disaster response and recovery efforts. Many of these documents are considered to be
confidential and are, therefore, not included; however, a list of what is available has
been included below.
Detailed response and recovery plans for the Panama City police and fire
departments.
An Interlocal Agreement for Mutual Aid with the City of Port Orange and the City of
Naples.
An all-hazards disaster response and recovery plan that looks similar to the CEMP
and includes the organizational structure for response and recovery following a
disaster.
Comments: The city’s disaster plans currently focus on response and short-term
recovery and are best suited for minor disaster events. In the Panama City All-Hazards
Disaster Plan, the final phase of recovery addressed is the public damage assessment.
This plan should transition into the Panama City PDRP, following this last phase. The
city may wish to take a comprehensive look at their overall emergency management
process and see what pieces are missing. The PDRP will most likely fill the gap for
long-term recovery and also address some mitigation measures. While the county is
currently revising their CEMP, the city may want to look at their own response and
short-term recovery programs and ensure that they fit in with the overall effort at the
county level.

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 3-5
3.5 BAY COUNTY TRANSPORTATION PLANNING ORGANIZATION: 2030 LONG
RANGE TRANSPORTATION PLAN
Panama City participates in the Bay County Transportation Organization along with the
unincorporated county and all other municipalities within Bay County. Their Long Range
Transportation Plan addresses the roads and highway needs of this area projected out
23 years. The majority of the projects on the needs assessment address the widening of
existing roads. The Goals and Objectives found in this document address the following
two issues that relate to disaster recovery:
Environmental Preservation, including the protection of water recharge areas.
Public Safety.
Comments: While the three categories above have post-disaster redevelopment
implications, they do not address these issues from a hazard mitigation point of view.
The city may wish to recommend the inclusion of hazard mitigation principles in the
Needs Assessment and Goals and Objectives at the time of the next update.
Additionally, the city may wish to connect some of these needs that have mitigation
benefits back to the hazard mitigation plan prioritized project list to ensure that it is
eligible for any Federal or State mitigation funds that may become available. During the
long-term redevelopment phase following a disaster is the time to look at how the city
will rebuild its infrastructure and take advantage of any new opportunities that my exist to
ensure that the roads or structures are mitigated against the impacts of disasters.
3.6 BAY COUNTY ECONOMIC DEVELOPMENT ALLIANCE PROGRAM OF WORK
The Bay County Economic Development Alliance, in cooperation with the Bay County
Chamber of Commerce, represents all of the municipalities within the county. The
Program of Work for 2008 contains the strategic goals and objectives for the
organizations with regards to economic development. The following is a summary of the
relevant information found in the plan:
States the need to facilitate new investment and job creation (p.1).
Expresses the need to foster strong community relations with companies that show
signs of growth potential or negative growth (p.1).
Maintains and project strong presence at specific target industry (p. 2).
Maintains a current inventory of available buildings and sites in Bay County suitable
for commercial/industrial use and conducts the necessary research to provide a
professional response to inquiries (p. 3).
Develops and maintains good relationships with key management personnel from key
area employers
o Organizes monthly industrial industry visits with volunteers from Existing Industry
Committee.
o Organizes quarterly meetings of the Manufacturers Roundtable and Defense
Contractors Roundtable.
o Continues company interviews with the Insights program (p. 5).
Identifies and conducts proper follow-up on companies who have indicated signs of
growth potential or early signs of distress.
o Maintain current inventive information and serve as a facilitator and advocate in
their applications for state and local incentives/grants (p. 5).

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Comments: The Bay County Chamber of Commerce and Economic Development
Alliance work diligently to develop and maintain a relationship with business owners
within the county. This relationship could be utilized following a disaster to help
establish lines of communication to allow the business owners to properly convey their
needs. This would help to create a positive image of recovery in the business
community and dissuade businesses from relocating to less vulnerable areas outside of
the county.

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PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 4-1
4. post-disaster vulnerabilities identification
This section identifies vulnerabilities that may affect the speed and/or quality of post-disaster
long-term recovery and redevelopment in Panama City. Natural hazard risk assessments that
include Panama City are available in the Local Mitigation Strategy and Comprehensive
Emergency Management Plan of Bay County. This analysis goes beyond what is available in
current risk assessments, but the hazard risk assessments can provide valuable background
information and should be used as a supplement to this section.
The main categories of post-disaster recovery compatible with a spatial analysis of
vulnerabilities are housing, economic, socioeconomic, and public facilities and infrastructure.
The hazards analyzed for these recovery categories are hurricane-strength winds, flood, and
storm surge. As Panama City is located on the Bay, it is assumed hurricane wind exposure will
be fairly constant throughout the city. Flood and storm surge, however, have mapped
boundaries and these zones can be used to delineate vulnerable structures and public facilities.
Figure 4.1 presents the storm surge and flood zones in Panama City. Of the land within
Panama City, 44% is within a storm surge and/or flood zone.
Section 4.1 explains the methodology used to identify post-disaster vulnerabilities, including
limitations of the analysis and assumptions
(Sidebars 4.1 and 4.2).
Section 4.2 details the vulnerability of the city’s
housing stock to wind, flood, and storm surge.
This information is an essential foundation for
understanding potential post-disaster temporary
housing and redevelopment needs. Historic
structures and the role of the CRAs also are
discussed.
Sidebar 4.1 Analysis/Data
Limitations
1. This analysis does not capture every
housing or business structure in Panama
City due to error and data that may be
missing or miscategorized. The analysis
is useful for planning purposes and
understanding the city’s vulnerability and
general spatial attributes. This analysis
should not be used in any
decision-making at a parcel level.
2. Data on land uses and structures are
always changing. As this report is being
compiled, vacant land is being developed,
older structures are being renovated or
demolished, and new structures are being
built. This analysis offers a snapshot of
current conditions useful for several years
of an overall understanding of the city’s
vulnerabilities.
Section 4.3 provides an overview of Panama
City’s economy and discusses the vulnerability of
business structures to wind, flood, and storm
surge.
Section 4.4 includes some basic socioeconomic
indicators that could provide insight for planning
post-disaster assistance programs.
Section 4.5 details structural vulnerabilities of
Panama City’s public facilities and property
holdings; examines the exposure of city roads;
and presents city-owned and privately owned
vacant land that could present opportunities for
temporary uses, redevelopment, or conservation
after a disaster.

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4-2 | post-disaster vulnerabilities identification
Figure 4.1 Storm Surge and Flood Zones in Panama City

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PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 4-3
4.1 METHODOLOGY
To identify specific vulnerabilities that
may affect post-disaster redevelopment,
geographic information system (GIS)
analyses were performed to map
vulnerable areas of the city as well as
tabulate estimates of vulnerable
structures, population, and public
facilities. The main sources of GIS data
used were obtained from the Bay County
GIS Department and include property
appraiser parcel database, flood zone,
and storm surge zone shapefiles. A full
list of data sources is included in
Table 4.1. There were limitations to the
data used and, therefore, limitations in
how this analysis can be used
(Sidebar 4.1). Several assumptions
were made so that conclusions could be
drawn, and these are detailed in Sidebar 4.2.
Sidebar 4.2 Analysis Assumptions
1. Using the Bay County Property
Appraiser field “effective year built” for
structures will capture major renovations
to older homes in order to bring them up
to the code requirements for the year in
which the renovations were done.
2. Structures built prior to floodplain
regulations (1982 city ordinance) or
strengthened building codes (Florida
Building Code 2001) are assumed to
have not been mitigated for hurricane
wind or flood and/or storm surge impacts.
Table 4.1 Geographic Information System (GIS) Data Sources Used
Sources
Data Type
Date
Created
Bay County Chamber of Commerce
List of Panama City Major Employers
Unknown
Bay County GIS
Bay County Boundary
1998
Bay County GIS
Community Redevelopment Agencies
2005
Bay County GIS
Database of Roads Within County
2007
Bay County Property Appraiser
Land Ownership and Assessment Parcels
2007
Bureau of Archaeological Research
Location of Historic Structures
2008
Federal Emergency Management Ageny Flood Insurance Rate Map Zones
2002
Panama City GIS
City-Owned Property Parcels and Uses
Unknown
Panama City GIS
Comprehensive Plan Land Use by Parcel
Unknown
Panama City GIS
Panama City Boundary
2007
Panama City GIS
Special Treatment Zones
Unknown
U.S. Army Corps of Engineers
Storm Surges by Category
1999
U.S. Census QuickFacts, 2000
Census Block Groups (income, poverty)
2000
U.S. Census QuickFacts, 2000
Census Blocks (race, age)
2000
Property Parcels
The Bay County Property Appraiser shapefile was clipped to the extent of the city limits
of Panama City, resulting in a shapefile with 17,597 records or parcels. The parcels
were then assigned pertinent variables, such as storm surge and flood zones as
described below. Parcels that had a structure recorded with a structure appraisal type

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(i.e., S1APPTYPE field in shapefile) were then assigned to a structure use category, as
defined for this analysis.
If a structure assigned to one of these categories did not have an effective year built
recorded (i.e., S1YRBLTEFF field in shapefile), it was not included in the analysis. An
exception was made for 21 condominium developments (670 property parcels) where
estimated year built dates were based on a public records search for “declaration of
condominium” dates. Each of the remaining parcels with a structure effective year built
value was assigned an assumed wind vulnerability category of Least Vulnerable, More
Vulnerable, or Most Vulnerable based on its effective year built. The dates associated
with each wind vulnerability category are detailed in Table 4.2. The Least Vulnerable
category is based on the date that the Florida Building Code (FBC) became effective
(1 March 2002) and all structures built after this date must meet this code, which has
higher standards for hurricane wind protection than previous codes. Under the 2001
FBC, all structures in Panama City were required to meet 110 mph or more wind speed
design standards (Florida Department of Community Affairs, date unknown). The More
and Most Vulnerable categories are based on a study by the University of Florida (UF)
that found after the 2004 hurricane season in Florida, homes built before 1994 sustained
the most damage while homes built between 1994 and 2002 (when the FBC became
effective) sustained more damage than post-FBC homes but less than pre-1994 homes
(UF, 2005). If this analysis is to be repeated in Panama City, it is suggested that an
additional category be added to account for improvements in homes built after 2007
when the wind-borne debris exception was removed from the FBC for the Florida
panhandle and increased wind loads were required. However, the number of new
homes built after 2007 is not large enough to warrant an additional category for the
analysis at this time.
Table 4.2 Wind Vulnerability Categories
Wind Vulnerability
Category
Structure Effective Year Built
Range
Least
2002 to present
More
1994 to 2001
Most
Before 1994
Storm Surge Zones
Previously mapped storm surge zones provided by Bay County’s GIS Department were
intersected with property parcels clipped to the Panama City city limits. The parcel data
were then encoded with the storm surge category it fell within, if any. Parcels that
belong to more than one storm surge zone were coded with the lowest zone (i.e., if a
parcel fell on a boundary between Hurricane Category 1 Storm Surge and Hurricane
Category 2 Storm Surge, it was coded as being exposed to Hurricane Category 1 Storm
Surge).
Available point data, such as historic structures and major employers, were also
intersected with storm surge zones to tabulate how many fell within each zone.
Throughout this analysis, structures and other data reported with a lower Hurricane
Category Storm Surge were not recounted in Higher Hurricane Category Storm Surge

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PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 4-5
Zones to avoid duplication (i.e., a structure in a Hurricane Category 1 Storm Surge Zone
is also at risk from Hurricane Category 2 to 5 Storm Surges, but is only counted in one
zone). Summary tabulations throughout the analysis provide total numbers for each of
the larger hurricane categories, while fields labeled for a specific hurricane category only
include a net increase from the lower
category.
Flood Zones
Sidebar 4.3 Flood Zone
Definitions
V zones are areas closest to the
shoreline and subject to wave action,
high-velocity flow, and erosion during
the 100-year flood.
A zones are areas subject to flooding
during the 100-year flood, but where
flood conditions are less severe than
those in V zones.
An “E” following a V or A zone
designates that a base flood elevation
(BFE) has been defined for those
zones.
As to be expected, most of the VE and AE
flood zone areas also are within one of the
storm surge zones and some overlap also
occurs between A zones and storm surge
zones. (Definitions for flood zone
categories are presented in Sidebar 4.3).
Throughout the analysis, labels will define
whether the structure or other data are
found within both a storm surge zone and
flood zone or if they are in a flood zone
outside of a storm surge zone.
As with storm surge zones, the parcel layer
was intersected with flood zones and
encoded for the zone it fell within, if any.
Parcels partially within a flood zone were
coded as being in the zone for the purpose
of this analysis. Parcels that fell within
more than one zone were coded with the zone subject to the most severe flood
conditions or that had the most information defined – VE has the potential for the
greatest impacts, then AE since it has a BFE defined, then A.
Historic Structures
The Florida Master Site File’s shapefile of historic structures was clipped to the city limits
of Panama City, and records of structures that had been destroyed were deleted from
the file. Structure uses designated in the file were recategorized into either housing or
business use. The file was intersected with storm surge and flood zone shapefiles to
access how many structures were found in these zones. This file also was intersected
with the city’s special treatment historical districts.
City-Owned Property
City-owned parcels were compared with the larger parcel file. Property uses in the
city-owned file were used rather than the categories from the rest of the analysis
because they included more detail.
Census Demographics
Percents for population in each block or block group, depending on availability of data at
each level, were calculated for age, minority, and below poverty. Blocks without
population were not displayed on the maps.

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4.2 HOUSING VULNERABILITY
One of the more essential components of successful recovery from a major disaster
depends on the quality of the community’s housing stock. Knowing the vulnerability of
the housing stock can enable the city to plan for temporary housing needs, assist
residents with post-disaster repairs and rebuilding,
and make policy decisions that will result in more
sustainable redevelopment. Panama City has a
population of 36,807, or approximately 16,003
households, which will hopefully return after a
disaster (U.S. Census Quickfacts, 2000). With a
median household income of $31,572 and 17.2%
of the population below poverty, many of the city’s
current residents may have difficulty finding or
rebuilding affordable housing after a disaster (U.S.
Census Quickfacts, 2000). The following maps
(Figures 4.2 to 4.5) and tables (Tables 4.3 to 4.8)
present best estimates of wind and flood/storm
surge vulnerabilities of the housing stock.
Wind Vulnerability
As Figure 4.2 clearly shows, a majority of the housing stock was built before 1994 (i.e.,
94% of the dwelling units analyzed) and, therefore, has a higher probability of sustaining
wind damage during a hurricane. It is possible that many of the older homes in the city
may have been built to very high standards or that the owners may have made
mitigation improvements to make the structure more resistant to hurricane-force winds,
but there are no available data to reflect these potentials in this study. Table 4.3 breaks
down wind vulnerability estimates among housing types. Single-family housing is the
most vulnerable as well as the most common housing type in the city.
Table 4.3 Housing Wind Vulnerability (dwelling units)
Housing Type Least Vulnerable More Vulnerable Most Vulnerable
Total
Single Family
311
1,084
9,415
10,810
Multi Family
463
164
1,578
2,205
Mobile Home
9
35
117
161
Total
783
1,283
11,110
13,176
Also of interest, 19% of the most vulnerable homes are located within an existing Community
Redevelopment Agency Area (CRA) as shown in Figure 4.2 and Table 4.4. CRA everyday
functions and existing plans may allow redevelopment after a disaster in these areas to be done
in a more deliberate, planned manner and, therefore, require less focus in this plan.

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PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 4-7
Figure 4.2 Level of Wind Vulnerability of Housing Stock
A majority of Panama City’s housing stock are single-family homes built prior to the Florida
Building Code (FBC). While some of these homes may adequately stand up to
hurricane-force winds, history has shown that homes meeting FBCs are less likely to sustain
damages from a hurricane.

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4-8 | post-disaster vulnerabilities identification
Figure 4.3 Location of Historic Structures
58% of the historic structures in Panama City are located within a storm surge zone. All historic structures
have a high risk of sustaining damage from hurricane-force winds because modern building codes with
high wind standards were not in place when these structures were built.

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PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 4-9
Figure 4.4 Housing in Flood and/or Storm Surge Zones Assumed to be Non-Elevated
Residential structures are assumed to be non-elevated if built prior to floodplain regulations
adopted in 1982 or if the dwelling is located in a storm surge zone that is outside of a
designated FEMA flood zone because elevation regulations do not apply to these areas.

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Figure 4.5 Housing Vulnerable to Wind and Flood/Storm Surge
Housing that was built pre-FBC and is located in a flood and/or storm surge zone has the
greatest probability of being substantially damaged. The clusters apparent in the above map
could provide planners with likely areas to locate temporary housing and priority areas for
redevelopment planning and assistance after a disaster.

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PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 4-11
Table 4.4 Housing Most Vulnerable to Wind by Community
Redevelopment Agency (CRA) (dwelling units)
CRA District
Single
Family
Multi
Family
Mobile
Home
Total
Downtown CRA/DIB
40
20
0
60
Downtown North CRA
935
91
8
1,034
Millville CRA
677
83
11
771
St. Andrews CRA
161
40
1
202
Total
1,813
234
20
2,067
Sidebar 4.4 Hurricane Storm Surge
Categories
To avoid duplicating the number of
structures in each zone throughout this
analysis, only the net increase from one
zone to the next is shown in the tables,
unless it is labeled as cumulative totals.
The table below summarizes the cumulative
number of housing units for each surge
zone detailed in Table 4.5. So while only
1,880 homes are additionally at risk from a
Category 5 Hurricane, a Category 5 could
potentially impact all 4,176 homes in a
surge zone.
Cumulative storm surge housing totals
Category 1
390
Category 2
809
Category 3 1,328
Category 4 2,296
Category 5 4,176
Another important factor in planning for housing disaster needs involves determining the
process for dealing with historic homes that may be damaged. Figure 4.3 displays the
location of all historic structures, 80% of which are homes. Obviously, all historic
structures were built prior to 1994 and fall within the Most Vulnerable wind category.
Mitigating historic structures to better withstand hurricanes is limited and costly if it is on
the National Register of Historic Places, which is regulated by the Secretary of the
Interior’s Standards for Rehabilitation (Florida Department of State, 2006). These rules
also apply if a registered historic structure requires repairs from impacts of a hurricane or
another hazard. Identification of historic structures during the damage assessment and
rebuilding phases after a disaster event is important to ensure opportunities to preserve
and restore historically significant structures are not lost. Only 40% of historic homes in
Panama City listed in the State’s database are located in a designated Historic Special
Treatment Done. While not all of the structures listed in the database have been
evaluated and may not be significant,
there is a potential that many could be
overlooked during recovery efforts due to
their being located outside of the historic
treatment zones.
Flood and Storm Surge Vulnerability
Figure 4.4 depicts all property parcels
containing housing structures assumed
to be non-elevated that fall within storm
surge or flood zones in the city. Of the
housing structures analyzed in this study,
38% are located in a flood and/or storm
surge zone. Table 4.5 details the
housing types and what flood/storm
surge zone they are located in.
Sidebar 4.4 summarizes the number of
homes at risk for the five hurricane
categories. Many of the structures
located in storm surge zones also are
located in a flood zone but were built
before 1982 elevation requirements were
enacted. Of the assumed non-elevated
homes at risk from flood or storm surge
impacts, 12% are located in a CRA
district (Table 4.6).

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Table 4.5 Housing in a Flood and/or Storm Surge Zone Assumed Non-Elevated
(dwelling units)
Housing Type
A
AE Cat. 1 Cat. 2 Cat. 3 Cat. 4 Cat. 5
Total
Single Family
299
1
335
362
466
767
1,463
3,693
Multi Family
80
0
54
57
53
178
367
789
Mobile Home
7
0
1
0
0
23
50
81
Total
386
1
390
419
519
968
1,880
4,563
Table 4.6 Non-Elevated Housing in Flood/Surge Zones by
Community Redevelopment Agency (dwelling units)
CRA District
Single
Family
Multi
Family
Mobile
Home
Total
Downtown CRA/DIB
6
14
0
20
Downtown North CRA
112
41
0
153
Millville CRA
117
1
5
123
St. Andrews CRA
154
107
0
261
Total
389
163
5
557
Of the historic homes in Panama City, 58% are located within a storm surge zone
(Table 4.7). Only one historic structure is located in a flood zone that is not also a storm
surge zone. As discussed in relation to wind vulnerability, mitigating impacts by flood or
storm surge to historic structures without altering their character is difficult and
expensive. Knowing the vulnerability of these historic homes can lead to city or
community group actions to prepare in case many of these homes are destroyed or
damaged; mitigation funding opportunities also could be sought to prevent the most
vulnerable historic structures from being damaged. Mississippi’s coast lost many
historically significant structures to storm surge, forever changing the character of many
towns and landscapes along the coast.
Table 4.7 Residential Historic Structures in Storm
Surge Zones
Storm Surge
Zone
Number of
Structures
Cumulative Total in
Storm Surge Zone
1
1
1
2
43
44
3
44
88
4
40
128
5
94
222
Total
222

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PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 4-13
Vulnerable to Wind and
Flood/Storm Surge
Panama City’s location
along the coast means that
much of the housing must
be able to withstand
hurricane-force winds at
landfall as well as storm
surge and possible
rain-related flooding. The
housing clusters with a
greater probability for wind
damage (those built prior to
the FBC) and located in a
flood or storm surge zone
should be identified as post-disaster planning priorities. Figure 4.5 shows the property
parcels that contain Panama City’s highly vulnerable housing structures, 32% of the total
housing structures analyzed. Those that fall within Hurricane Category 1 and 2 Storm
Surge Zones (Table 4.8) are especially hot spots for post-disaster preparation because
less intense hurricanes have a greater occurrence of making landfall. Of the 557 homes
within a CRA district that were vulnerable to flood and/or storm surge, 82% were also
built prior to the FBC and are, therefore, some of the Most Vulnerable housing in
Panama City (Table 4.6). Also, all 222 historic structures located in a storm surge zone
are most vulnerable to wind as well due to their age (Table 4.7).
Table 4.8 Housing Vulnerable to Wind and Flood/Storm Surge
(dwelling units)
Housing Type
AE
A
Cat. 1 Cat. 2 Cat. 3 Cat. 4 Cat. 5 Total
Single Family
1 376
333
341
371
643
1,303
3,368
Multi Family
0
80
54
56
36
126
311
663
Mobile Home
0
7
1
0
0
18
35
61
Total
1 463
388
397
407
787
1,649
4,092
4.3 ECONOMIC VULNERABILITY
Researchers are working to better understand economic recovery after a disaster. A few
key conclusions that have been widely agreed on so far include the following:
Structural mitigation to reduce physical damages is not sufficient to help businesses
survive.
Business interruptions resulting in lost income are one of the major factors for
business failure (i.e., power and Internet loss, down time for structure repair or
relocation, disruption of materials flow, customer loss, and employee loss).
Lack of insurance, cash, or savings and slow access to loans can mean ruin for a
small business.
Businesses whose customers are not adversely affected by the disaster have a better
chance of surviving.
Businesses with more than one location are more likely to survive.

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Businesses that rely on discretionary income are more likely to fail.
Businesses that adjust to changes in consumer demand after the disaster are more
likely to survive (Alesch, 2001 and
Tierney, 1995).
Sidebar 4.5 Economic Recovery
as a Regional Concern
When planning for economic
post-disaster recovery, it should be
remembered that economic recovery
does not have boundaries and the
disaster will have impacted the
surrounding area as well. What happens
outside of the city limits is just as
important as what happens within the
city, although this plan is limited in its
recovery role outside of Panama City.
Some other factors outside the city limits
that could affect Panama City’s
economic recovery include
▪ impacts to essential regional
infrastructure, such as electricity,
highways, bridges, railroads, the
airport, and the port;
▪ lack of safe and affordable housing in
other jurisdictions;
▪ possible extended closures of military
or educational facilities; and
▪ halt of tourism to nearby jurisdictions.
Currently, there are no available data to
analyze Panama City’s vulnerability to many
of these most important aspects for
business failure and economic decline after
a disaster. An action for this plan may be to
develop indicators for potential economic
vulnerabilities of the city and collect data to
monitor progress of mitigating and preparing
for these vulnerabilities.
General statistics on economic activity in the
Panama City area can provide clues on
what may be potential vulnerabilities for
Panama City’s economy, other than
structure damage detailed later. See
Sidebar 4.5 for a discussion on regional
impacts to Panama City’s economic
recovery. As shown in Figure 4.6, a
majority of the metropolitan statistical area is
dominated by service industries, many of
which are vulnerable to disaster impacts due
to their reliance on local customers who may
not have returned or may be financially
impacted and on tourists who are likely to
not return to the area, possibly for years. In
Panama City, the Retail Trade Sector has
the greatest number of establishments and
generates the most sales – approximately $1 billion annually. The largest annual payroll
is from the Health Care and Social Assistance Sector that employs the most of any
sector reported, with 6,719 paid employees in 2002. The Accommodation and Food
Services Sector, however, is still one of the largest employment opportunities in Panama
City and accounts for approximately $111 million in annual sales. Businesses within this
sector will most likely have a decrease in business after a disaster for a long period of
time as the local population has less discretionary income and tourists may not return for
several years, depending on the severity of the event (U.S. Census, 2002).

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PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 4-15
Part of a successful economic recovery means maintaining existing businesses,
especially those that provide large numbers of jobs for the community. Table 4.9 and
Figure 4.7 show major employers within Panama City by number of employees. Eight
of these employers are located in flood and/or surge zones.
Wind Vulnerability
Figure 4.8 shows business structures
and their vulnerability to hurricane-force
wind damage based on age.
1,664 parcels with structures
categorized as business were analyzed
and are presented in Table 4.10. Of
those, 79% are Most Vulnerable and
15% are More Vulnerable. This means
a majority of businesses could
experience extended business
interruptions as they repair their
buildings or relocate.
Of the business structures built prior to the FBC, 37% are located in a CRA district. The
CRAs may be able to offer increased assistance to business owners through financing
programs or technical assistance (Table 4.11). Only 7% of historic structures in
Panama City are used for the business types analyzed in this study.
Figure 4.6 Jobs by Industry, Bay County Community Profile Center

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4-16 | post-disaster vulnerabilities identification
Table 4.9 Major Employers Located in Panama City
Employer
Number of
Employees
Flood/Surge Zone
Bay District Schools
3,370
Bay Medical Center
2,174
Wal-Mart
1,240
A
Gulf Coast Medical Center
850
Category 3
Eastern Shipbuilding
601
City of Panama City
567
Category 3
Bay County
528
Category 3
Publix
520
A
Gulf Coast Community College
385
Category 3
McDonalds*
300
Peoples First Community Bank*
300
Tyndall Federal Credit Union
300
Home Depot
294
A
Oceaneering Multiflex Inc.
286
Category 3
Kmart
260
Gulf Power Company
250
Target
225
Life Management Center of NW Florida
210
Berg Steel Pipe Corporation
200
Healthsouth Rehabilitation
200
Kohl's
200
Early Education and Care, Inc.
185
Corrections Corporation of America
184
Lowe's
180
Applied Research Associates
175
Peadon Air Conditioning & Heating
150
The News Herald
150
Sams Club
135
Sears
130
JCPenney
120
Bay Bank & Trust*
110
Cook Whitehead Ford
109
Knology of Panama City
107
Southern Management
105
Marine Transportation Services
104
Bay County Council on Aging
100
Bell Signs
100
Best Buy
100
Boyd Brothers Inc.
100
Grease Pro*
100
Sunrise Community, Inc.*
100
Total Employed
17,247
* Denotes multiple locations mapped.
Source: Bay County Chamber of Commerce, 2008

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PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 4-17
Figure 4.7 Major Employers Relative to Flood and Storm Surge Zones
Major employers in Panama City are spread throughout the main portion of the city, with
several located in Hurricane Category 3 Storm Surge Zones or in Flood Zone A. These
companies are important to retain so that as many residents as possible have a job to return
to after a disaster.

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4-18 | post-disaster vulnerabilities identification
Figure 4.8 Level of Wind Vulnerability of Business Structures
79% of business structures analyzed in Panama City are Most Vulnerable to wind damage.
With so many structures likely to sustain some amount of damage during a major hurricane,
business interruption could be severe as housing and business repairs overwhelm
construction workers and deplete building supplies.

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PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 4-19
Table 4.10 Business Structure Wind Vulnerability (parcels)
Business
Type
Least Vulnerable More Vulnerable Most Vulnerable
Total
Commercial
28
95
566
689
Office
56
113
524
693
Industrial
22
25
153
200
Financial
2
5
21
28
Medical
1
8
45
54
Total
109
246
1,309
1,664
Table 4.11 Business Structures Most Vulnerable to Wind by Community
Redevelopment Agency (CRA) (parcels)
CRA District
Commercial Office Industrial Financial Medical Total
Downtown CRA/DIB
90
119
4
8
0
221
Downtown Extension CRA
2
6
0
0
0
8
Downtown North CRA
67
127
30
4
1
229
Millville CRA
53
14
13
0
0
80
St. Andrews CRA
39
28
6
1
0
74
Total
251
294
53
13
1
612
Flood and Storm Surge Vulnerability
Figure 4.9 displays business structures
located in storm surge and/or flood zones
assumed to have not been elevated or
floodproofed. Of the business structures
analyzed, 46% are in a storm surge or flood
zone and 60.8% of those are assumed
non-floodproofed. As seen in Table 4.12,
69% of these are located in storm surge
zones of a Category 3 hurricane or larger.
The majority of vulnerable business
structures would, therefore, only be
impacted after a major disaster. Many
businesses in Panama City are
water-dependent, like the one pictured to
the right, or located at marinas. For
numerous businesses, it may not be
financially feasible to mitigate their structures for flood or surge impacts or relocate to a safer
location. Identifying these types of businesses could lead to programs targeted at assisting
high-risk small businesses in developing business continuity plans that address efficient,
economic ways to recover.

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Figure 4.9 Business Structures in Flood/Surge Zones Assumed Non-Floodproofed
The map depicts a few major economic clusters with a higher likelihood of sustaining storm
surge or flood damage. By comparing several of the maps in this section, it is apparent that
a flood-prone area is co-located with a large commercial district in the city.

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PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 4-21
Of the 470 business structures identified as non-floodproofed, 55% are located in a CRA
district (Table 4.13). The fact that so many of the vulnerable businesses are within a
CRA district provides an opportunity for CRAs to assist in disaster recovery. There are
only roughly 15 historic structures used for business located in flood and/or surge zones.
Figure 4.3 shows all historic structure locations relative to flood and storm surge zones.
Table 4.12 Business Structures in a Flood and/or Storm Surge Zone and
Assumed Non-Floodproofed (parcels)
Business Types
A
Cat. 1
Cat. 2
Cat. 3
Cat. 4
Cat. 5
Total
Commercial
25
7
24
43
41
74
214
Office
26
9
25
39
24
51
174
Industrial
9
7
9
13
14
17
69
Financial
0
0
0
1
0
3
4
Medical
3
0
1
2
2
1
9
Total
63
23
59
98
81
146
470
Table 4.13 Non-Floodproofed Business Structures in Flood/Surge Zones by
Community Redevelopment Agency (CRA) (parcels)
CRA District
Commercial Office Industrial Financial Medical Total
Downtown CRA/DIB
43
42
3
1
0
89
Downtown Extension CRA
1
5
0
0
0
6
Downtown North CRA
25
24
15
1
1
66
Millville CRA
8
7
7
0
0
22
St. Andrews CRA
40
27
8
1
0
76
Total
117
105
33
3
1
259
Business Structures Vulnerable to Wind and Flood/Storm Surge
Figure 4.10 shows property parcels with business structures built prior to the FBC and
identified as non-floodproofed in a flood and/or surge zone. As presented in Table 4.14,
general commercial and office buildings are the majority of highly vulnerable business
structures. Of all business structure types, 38.7% are within Flood Zone A or Category 1
or 2 surge zones. The CRAs and Central 23rd Street District have large concentrations
of these vulnerable business structures, and the county may want to start an initiative to
get some of these structures mitigated and assist business owners in preparing business
continuity plans that identify alternate places from which their business could run
temporarily or permanently. The CRA or Chamber of Commerce may be able to assist
businesses create partnerships between companies where workspace can be shared
during emergencies and other support services could exchanged. The banking industry
has been organizing such partnerships in Chicago and south Florida and could be a
model for other business types, especially those that depend on each other.

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Figure 4.10 Business Structures Vulnerable to Wind and Flood/Storm Surge
While a majority of these highly vulnerable business structures in the city are general
commercial buildings and offices, there are seven parcels with structures that serve
medical/health care needs. New Orleans experienced major problems from damaged health
care facilities in the aftermath of Hurricane Katrina.

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PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 4-23
Table 4.14 Business Structures Vulnerable to Wind and
Flood/Storm Surge (parcels)
Business Types
A
Cat. 1
Cat. 2
Cat. 3
Cat. 4
Cat. 5
Total
Commercial
25
8
29
42
42
63
209
Office
26
15
39
32
17
43
172
Industrial
9
8
11
10
11
10
59
Financial
0
0
0
1
0
2
3
Medical
3
0
1
2
1
0
7
Total
63
31
80
87
71
118
450
Sidebar 4.6 Definition of Social
Vulnerability
“Social vulnerability is the product of
social inequalities. It is defined as the
susceptibility of social groups to the
impacts of hazards, as well as their
resiliency, or ability to adequately
recover from them. This susceptibility is
not only a function of the demographic
characteristics of the population (age,
gender, wealth, etc.), but also more
complex constructs such as health care
provision, social capital, and access to
lifelines (e.g., emergency response
personnel, goods, services).”
(Cutter and Emrich, 2006)
4.4 SOCIOECONOMIC VULNERABILITIES
Post-disaster recovery may require adequate
housing and jobs, but it also requires a
population with the capability to recover and
not be forced out of the community. This
social component of recovery is hard to
measure, but the maps and statistics in this
section can aid in determining potential
important social vulnerabilities in Panama
City. Social vulnerability is defined in
Sidebar 4.6. Disasters have been shown to
magnify existing social and economic trends
within the community and, by understanding
existing trends, planners may be able to
develop actions for a more positive
post-disaster future.
The socioeconomic vulnerabilities of the
population should be looked at in conjunction
with the housing and economic
vulnerabilities as there are some causal
relationships between them. The income levels of residents and whether they rent or
own can greatly impact housing recovery and alter the demographics of the community if
assistance is not available. Income levels are, of course, dependent on the economy of
the city and region. If quality jobs are not available after a disaster or service sector jobs
have greatly decreased, economic recovery will suffer because of the inbalance between
workforce needs and available jobs (Cutter and Emrich, 2006).
Poverty Levels
Panama City has a relatively high percent of its population living below poverty level:
17.2% compared to 12.5% for the State of Florida (U.S. Census QuickFacts, 2000).
Figure 4.11 shows that the percent below poverty differs greatly throughout the city, with
two concentrations of 41% to 57% below poverty. Within these areas of higher poverty
rates, assistance may be needed for repairs, rebuilding, or relocation. Low-income
residents are less likely to have adequate insurance coverage to cover rebuilding costs,
especially those who own older homes and no longer have lender requirements for

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insurance. Another issue that can complicate recovery for residents with low income is if
they rent their home. The owners of rental units may not want to rebuild or do major
repairs. Rental prices typically increase after a disaster because undamaged rental
units are used as temporary housing by those whose homes were damaged and the
demand for rental property increases. This can make relocation for low-income
residents difficult.
Homeownership
The homeownership rate for Panama City is also lower than the state as a whole, 57.8%
compared to 70.1% (U.S. Census QuickFacts, 2000). Figure 4.12 shows the
distribution of owner-occupied parcels Most Vulnerable to wind based on whether the
parcel has a homestead exemption recorded in the property appraiser database. The
rental properties are, for the most part, randomly distributed among all of the housing,
which is good for Panama City because on-site homeowners are usually more
aggressive in repairing and rebuilding their neighborhoods. Of course, renters with
social ties to a community also will be advocates for neighborhood recovery. The elderly
and young renters can move more easily than families with ties to an area and may
decide not to return to the community (Comerio, 1998). A majority of the housing Most
Vulnerable to wind damage (built prior to the FBC) is owner-occupied (59%). A majority
of the housing at risk from surge and/or flood is also owner-occupied – 54% of the
owner-occupied housing is vulnerable to surge and 57% is located in flood zones
outside of surge zones.
Minority Populations
While minority concentrations alone are not an indicator of social vulnerability, these
populations combined with other social vulnerability factors could have fewer capabilities
for recovery due to discrimination. Panama City’s minority population is primarily
African-American, 21.5%. Other minorities include Hispanic (2.9%), Asian (1.5%), and
mixed (1.9%) (U.S. Census QuickFacts, 2000). Minority persons are not evenly
distributed across the city, as seen in Figure 4.13; there are some areas of the city that
mostly comprise minority populations. These areas partially overlap with the high
percent below-poverty areas, which may be locations that could use increased
assistance after a disaster (Figure 4.11). A majority of minority neighborhoods also may
have some factors resulting in strong recovery potential such as strong social ties. Faith
and community-based organizations may already be active in some of these
neighborhoods as well.
Elderly Populations
Elderly populations may be more vulnerable in post-disaster situations for health or
financial reasons. Many retirees are living on fixed incomes and may not have
resources for rebuilding. Others may have health problems, and healthcare facilities
could experience extended periods of disruption after a disaster. Some retirees may
decide to move where a full range of services are available rather than wait for recovery.
Approximately 16% of Panama City’s population is 65 years of age or older (U.S.
Census QuickFacts, 2000). Figure 4.14 shows that older residents are distributed
throughout the city, with only a few small areas of high concentration.

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PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 4-25
Figure 4.11 Percent of Census Block Group Population Below Poverty Level

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Figure 4.12 Owner-Occupied Housing Most Vulnerable to Wind Damage
Panama City boasts a 58% home-ownership rate.

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PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 4-27
Figure 4.13 Percent Minority of Census Block Population

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Figure 4.14 Percent of Census Block Population 65 Years of Age or Older

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PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 4-29
4.5 PUBLIC INFRASTRUCTURE AND FACILITIES VULNERABILITY
Most of this analysis identified vulnerabilities that, regardless of preparation, will always
be partially up to chance and individual will. When it comes to public land holdings and
facilities, however, the major limitations to making them more sustainable are resources
and political will. This section gives an overview of public vulnerable structures, roads,
and vacant land parcels that the city can either choose from to research more thoroughly
and develop mitigation projects or make decisions about how best to use the land
holdings with post-disaster redevelopment in mind.
City-Owned Structures Wind Vulnerability
Approximately 27% of the city’s 261 property parcels include a structure built prior to the
FBC. Some structures are essential government offices or important historical
landmarks, but some may be park structures that can be easily rebuilt, if needed.
Figure 4.15 and Table 4.15 detail the recorded uses of these structures so that those
important to recovery can be accessed.
Table 4.15 City-Owned Structures Most
Vulnerable to Wind (parcels)
Parcel Uses
Most Vulnerable
to Wind
Administration
2
Community Building
3
Facilities Maintenance
1
Fire Stations
4
Housing
13
Marina
1
Other
5
Parks
13
Police Station
3
Civic Center
3
Utilities
11
Not Occupied
6
Total
65
City-Owned Structures Flood or Storm Surge Vulnerability
Figure 4.16 and Table 4.16 list city-owned structures assumed to not be elevated or
floodproofed and are located in flood and/or surge zones; 46% of those structures fall
within this category of vulnerability.

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Figure 4.15 City-Owned Structures Most Vulnerable to Wind

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PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 4-31
Figure 4.16 City-Owned Structures Vulnerable to Flood and/or Storm Surge

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Table 4.16 City-Owned Structures Assumed
Non-Elevated, Most Vulnerable to Flood/Surge (parcels)
Parcel Uses
Most Vulnerable to
Flood/Surge
Administration
1
Fire Stations
3
Housing
6
Other
1
Parks
6
Civic Center
3
Utilities
9
Not Occupied
3
Total
32
City-Owned Road Flood or Storm Surge Vulnerability
The city owns and maintains numerous roads in Panama City, many of which within
flood and storm surge zones, as shown in Figure 4.17. Table 4.17 details the roads
segments that fall within surge zones and flood zones outside of surge zones.
Approximately 59.8 miles of city-owned roads have a potential for being damaged by
surge in a Category 5 Hurricane. Even some major roads are at risk, which could
hamper economic recovery efforts if extended closures and detours put stress on
already struggling businesses. Some of the roads in the city may already be built to
withstand flood and surge impacts. The city can assess these roads that could be
exposed to flood and/or storm surge and, for those determined to be vulnerable, can
determine pre-disaster mitigation projects and develop plans for including mitigation in
post-disaster repairs.
Vacant Land Outside of Flood and Storm Surge Zones
Vacant land, both publicly and privately owned, outside of flood and surge zones has a
potential for post-disaster temporary and redevelopment uses. Some of these properties
(Figure 4.18) might meet criteria for temporary debris, housing, or business sites.
Table 4.18 presents the future land uses associated with these vacant properties that
could assist in determining whether they meet temporary use criteria. It is
recommended that temporary housing and commercial sites be compatible with
surrounding land uses and future use plans because these sites may often be needed
for years during recovery and occasionally become permanent. Vacant public and
privately owned parcels that are not vulnerable to flood or surge can also be used to
jumpstart redevelopment efforts. For instance, the city could grant vacant parcels for
development of affordable housing after a disaster or for new commercial or mixed-use
developments to stimulate the economy and give businesses places to relocate to. The
city or CRAs also could target privately owned vacant parcels for redevelopment projects
by assisting the landowners with development plans or by acquiring the property.

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PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 4-33
Figure 4.17 City-Owned Roads Within a Surge or Flood Zone
Panama City owns and maintains a number of roads within city limits that are also in flood or
storm surge zones. These roads could require extensive repairs in the event of a major
storm if they are not elevated. An assessment of these roads can reveal priorities for
pre-disaster mitigation projects and possible trouble spots to be prepared for after a storm.

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Table 4.17 City-Owned Roads in Flood and
Storm Surge Zones
Storm Surge/
Flood Zone
Road
Type
Road
Surface
Distance
(Miles)
Number of
Road Segments
Major
Paved
0.082
1
Minor
Paved
0.731
17
Minor
Unknown
0.188
7
1
Minor
Unpaved
0.005
1
Major
Paved
0.046
1
Minor
Paved
9.013
152
Minor
Unpaved
1.547
40
2
Unnamed Unpaved
0.076
1
Major
Paved
0.192
4
Minor
Paved
9.400
213
Minor
Unknown
2.173
80
Minor
Unpaved
0.151
4
Unnamed Paved
0.017
2
Unnamed Unknown
0.011
1
3
Unnamed Unpaved
0.306
5
Major
Paved
0.113
5
Minor
Paved
11.117
265
Minor
Unknown
1.749
100
Minor
Unpaved
0.111
4
Unnamed Unknown
0.039
2
4
Unnamed Unpaved
0.155
5
Major
Paved
1.086
24
Minor
Paved
20.969
378
Minor
Unpaved
0.344
6
Unnamed Paved
0.137
4
Unnamed Unknown
0.031
3
5
Unnamed Unpaved
0.060
6
Total in Storm Surge Zones
59.849
1,331
AE
Minor
Unknown
0.004
4
VE
Minor
Paved
0.005
2
Major
Paved
1.577
13
Minor
Paved
7.551
87
Minor
Unknown
1.208
15
A
Unnamed Unknown
0.315
4
Total in Flood Zones Outside Surge Zones
10.660
125
Total in Flood/Surge Zones
70.5
1,456

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PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 4-35
Figure 4.18 Vacant Land Outside of Flood and Storm Surge Zones
These sites could have potential for temporary debris, housing, or business sites after a
disaster. They also could be prime areas for sustainable redevelopment.

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Table 4.18 Privately Owned Undeveloped Property Not
Vulnerable to Flood or Surge
Future Land Use
Number of
Vacant Parcels
Acres
General Commercial
451
172.92
Heavy Industry
25
128.52
Light Industry
36
30.02
Mixed Use
714
167.71
Public/Institutional
1
0.14
Recreation
4
10.99
Residential Low Density
85
48.21
Silviculture
1
0.03
Total
1,317
558.54
Vacant Land within Flood and/or Storm Surge Zones
Figure 4.19 shows city and privately owned vacant properties located within flood and/or
storm surge zones. Ideally, these properties should not be developed or, if not in the
highest risk zones (i.e., VE and Category 1 and 2), will need to be developed with
disaster-resistant design and building techniques. For private undeveloped property in
zones that pose a high risk if developed or contain natural protective features such as
wetlands, these could be priority sites for pre- and post-disaster conservation acquisition
programs. Table 4.19 presents the future land uses of these properties. Those that
have potential for intense development could be targeted first. There are approximately
2,463 acres currently undeveloped and exposed to flood and surge impacts; 51% of
those acres are designated for residential, commercial, or industrial use. Publicly owned
vacant land in these areas could be designated as conservation land, parks, or other
passive uses.
Table 4.19 Privately Owned Undeveloped Property
Vulnerable to Flood or Surge
Future Land Use
Number of
Vacant Parcels
Acres
General Commercial
328
397.48
Heavy Industry
17
15.59
Light Industry
23
84.42
Mixed Use
391
589.13
Public/Institutional
9
5.34
Residential Low Density
181
159.36
Silviculture
1
1211.35
Total
950
2,462.67

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PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 4-37
Figure 4.19 Vacant Land in Flood and/or Storm Surge Zones
A majority of the undeveloped private land in flood or storm surge zones is designated for
future development in the Panama City Comprehensive Plan. Some of these properties
could be prime targets for conservation acquisition before or after a disaster.

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4.6 REFERENCES
Alesch, D.J., Holly, J.N., Mittler, E., & Nagy R. (2001). Organizations at risk: what
happens when small businesses and not-for-profits encounter natural disasters. First
Year Technical Report of the Small Organizations Natural Hazards Project, Center
for Organizational Studies, University of Wisconsin, Green Bay. Fairfax, VA: Public
Entity Risk Institute.
Comerio, M.C. (1998). Disaster hits home: new policy for urban housing recovery.
Berkeley: University of California Press.
Cutter, S. & Emrich, C.T. (2006). Moral hazard social catastrophe: The changing face
of vulnerability along the hurricane coasts. Sage Publications. The ANNALS of the
American Academy of Political and Social Science.
Florida Department of Community Affairs, Building Codes and Standards. (Date
unknown). http://www.dca.state.fl.us/fbc/index_page/maps/county_maps/bay2.pdf.
Florida Department of State Division of Historical Resources, Florida Division of
Emergency Management, & 1,000 Friends of Florida. (2006). Disaster planning for
Florida's historic resources. Tallahassee, FL: Florida Department of the State.
Tierney, K.J. (1995). Impacts of recent disasters on businesses: The 1993 midwest
floods and the 1994 Northridge earthquake. Newark, Delaware: Disaster Research
Center, University of Delaware, Preliminary Paper 230.
University of Florida. (2005). Research: Florida getting better at protecting homes from
hurricanes. Press Release.
U.S. Census. (2002). Economic census summary statistics by 2002 NAICS, Panama
City City, FL. Retrieved May 5, 2008.
http://www.census.gov/econ/census02/guide/02EC_FL.HTM
U.S. Census Quickfacts. (2000). Panama City Quickfacts. Retrieved May 22, 2008.
http://quickfacts.census.gov/qfd/states/12/1254700.html.

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 5-1
5. institutional capacity assessment
The Institutional Capacity Assessment examines existing local capacity for carrying out
long-term recovery and redevelopment. First, all pertinent planning documents were examined,
and all policies relevant to the PDRP were culled (see Section 3 and Appendix B). Then, a
series of phone interviews were conducted and meetings were held to gather more information
about the current capacity of each agency. The existing capacity was then summarized, and
roles and responsibilities for each department were determined. Below is a summary of the
existing capacity as well as recommendations for improving the current capacity of the city.
5.1 EXISTING CAPACITY
The following mechanisms and policies are currently in place within the city with regards
to post-disaster redevelopment:
Mutual Aid Agreement with the City of Naples and the City of Port Orange
This agreement is implemented following a disaster to coordinate disaster response
and recovery needs and assist each of the communities in the agreement with
response and recovery services as needed. See Appendix D.
Inter-governmental Agreement with Bay County Emergency Management for
Disaster Response
Bay County manages the response and short-term recovery efforts for the entire
county at the Bay County Emergency Operations Center. This is currently set up as a
liaison operation with municipal liaisons from both the city fire and police
departments. This inter-governmental agreement does not cover long-term recovery
and mitigation.
Debris Removal Contract and Pre-Arranged Site
Currently, the city has three pre-arranged debris removal contracts and one site for
collection. See Appendix E.
Business Continuity Planning Initiative
This effort was facilitated through Bay County Emergency Management and the Bay
County Chamber of Commerce. It included workshops and a software tool that can
guide a business through the Continuity of Operations Planning process.
Close Relationship with the West Florida Regional Planning Council (WFRPC)
The WFRPC can function as a backup for the planning department if the city is
overwhelmed with the recovery effort. They also can provide technical assistance
and support to other departments such as community development.
Membership on the Bay County LMS Committee
Currently one staff member from Panama City sits on the Bay County LMS
Committee.
City Flood Prevention Ordinance
The city adopted a flood prevention ordinance that goes above and beyond the
requirements of the FBC in flood-prone areas.

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Relationships with the Business Community
The Bay County Chamber of Commerce, along with the Economic Development
Alliance, currently has established relationships and communication lines with the
local business community.
Policies Within the City Comprehensive Plan Regarding Long-Term
Redevelopment
Currently, there are a limited number of polices that address long-term post-disaster
redevelopment.
Active Community Redevelopment Areas
The city currently has four active CRAs that promote redevelopment and revitalization
within their boundaries and have active relationships with the businesses in their
communities.
Community Development Department Plays Advocacy Role for Affordable
Housing
The City Community Development Department is a strong community leader in
providing affordable housing and funding for housing opportunities.
5.2 RECOMMENDATIONS FOR IMPROVING CAPACITY
The following are recommendations that could improve the capacity of the city with
regards to post-disaster redevelopment:
Continue the Planning Process
Because post-disaster redevelopment planning is new to Panama City, there are still
many tasks that could not be taken on during the initial planning process; however,
these tasks are still important. It is recommended that the city continue the planning
process by implementing the planning-based pre-disaster PDRP actions.
Further Define Roles and Responsibilities of Each Agency Involved
It is recommended that each agency develop an internal plan, based on the roles and
responsibilities defined in this plan, that details what tasks will need to be taken as
well as who will take on each task. Ideally, these tasks would be officially added to
the job duties of staff for pre-disaster, ongoing plan implementation.
Coordinate with Surrounding Jurisdictions
Coordination among jurisdictions within the area regarding post-disaster
redevelopment planning efforts is suggested. Encourage other jurisdictions to
undertake this process, and possibly strengthen the plans by integrating all of them
into a countywide PDRP.
Become More Involved in the Countywide LMS
Currently, one representative sits on the LMS Steering Committee for Bay County. It
is recommended that more than one representative be involved with the committee.
Also, additional projects (both structural and non-structural) should be developed and
included on the prioritized project list to further the city’s resiliency through mitigation.

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 5-3
Identify a Public Information/Communications Specialist
Currently, the role of public information officer has been delegated to the City
Manager’s Office. It is recommended that an additional person be hired or appointed
to serve in this position because communications has been identified as a very
important issue during the planning process.
Draft a Temporary Housing Strategy
The city does not currently have a clear strategy in place with regard to temporary
housing following a disaster. It is recommended that the city draft a detailed strategy
that is integrated with that of Bay County.
Draft a Debris Removal Plan
The city currently has pre-arranged debris removal contracts as well as possible sites
for the staging of debris; however, a detailed plan does not currently exist to address
this issue. It is recommended that the city draft a detailed plan that includes back-up
sites, specific sites for different types of debris, etc.
Participate in the Bay County CEMP Update
The Bay County Department of Emergency Management is updating their CEMP at
this time. The county currently handles short-term recovery and response for the city.
It is recommended that the city participate in the update of this plan to determine how
they can become more involved in this process.
Develop a Continuity of Operations Plan for the City
The city should plan how the local government would function in the event that
municipal buildings are damaged by a storm. This plan also could include methods
for backing up all important data.

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 6-1
6. implementation
This section describes the process developed to implement the Panama City PDRP. It includes
a structure overview of the Panama City PDRP Executive Committee and describes
implementation, both pre- and post-disaster. The section includes the following topics:
▪ Organizational Structure and Function
▪ Decision-Making Authority
▪ Roles and Responsibilities
▪ Action Identification, Prioritization, and Implementation
▪ Monitoring, Reporting, and Updating
▪ Training Exercises
6.1 ORGANIZATIONAL STRUCTURE AND FUNCTION
The implementation of this plan is divided into two functions: Planning and
Implementation. The Planning Function is carried out pre-disaster and includes
responsibilities such as plan maintenance, update and revision, and the identification
and implementation of actions both pre- and post-disaster that can be taken to prepare
for recovery efforts and strengthen the community. The Implementation Function is the
long-term redevelopment phase carried out following a disaster that includes all of the
Working Group topics, the two recovery management functions, and all post-disaster
actions. The PDRP Executive Committee has been charged with both the development
and implementation of the PDRP.
Planning Function
The Committee membership, shown in Table 6.1, is appointed by the Mayor and
comprises city department heads, county emergency management and economic
development representatives, local non-profit organization leaders and military base
representatives. The Planning Function of this committee is chaired by the Planning and
Land Use Services Manager, and responsibilities of the Planning Function include the
initial planning process, the maintenance and update of the plan, the identification of
future pre- and post-disaster actions to be taken by the committee (see discussion of
these actions in Section 9), and the coordination of the completion of pre-disaster
actions. In its Planning Function, the committee will continue to meet on an annual basis
at the start of spring, prior to hurricane season, to discuss the status of post-disaster
redevelopment planning efforts. The committee also will meet after the completion of
plan implementation to discuss any lessons learned or necessary plan revisions.

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Table 6.1 Panama City Post-Disaster Redevelopment Plan
Executive Committee Membership
Agency/Organization
Job Title
City Department Representatives
Planning and Land Use Services
Planning Manager*
City Manager’s Office
Assistant City Manager**
Community Development
Director
Public Works
Director
Public Works
City Engineer
PC Fire and Rescue
Fire Chief
Port of Panama City
Executive Director
Port of Panama City
Deputy Director
Police Department
Capitan
Finance
Director
CRA Board
Executive Director
St. Andrews CRA/Waterfronts Partnership
Director
Utilities
Director
Bay County Representatives
Emergency Management
Director
School Board
Facility Supervisor
School Board
Safety and Security Manager
Board of County Commissioners
Communications Specialist
Bay County
Assistant County Manager
Local and Regional Organization/Stakeholders
Bay County Economic Development Alliance
Executive Director
Bay County Chamber of Commerce
President
Gulf Coast Community College
Vice President
United Way of Northwest Florida
Communications Director
Catholic Charities
Regional Director
American Red Cross
Executive Director
Gulf Power
Marketing Manager
Tyndall Air Force Base
Engineering
Panama City-Bay County International Airport
Executive Director
Naval Surface Warfare Center of Panama City
Public Affairs
Panama City
Resident
West Florida Regional Planning Council
Director of Community Planning
West Florida Regional Planning Council
Evacuation Clearance Planner
*Acting Planning Chair
**Acting Implementation Chair

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 6-3
Implementation Function
For ease of implementation, the Panama City PDRP has been broken down into three
Working Groups and two recovery management functions that correspond to the
previously identified topics, which will be overseen by the Assistant City Manager who
serves as the Implementation Function Chair. The Working Groups include land use
and community development, economic redevelopment, and infrastructure repair.
The two recovery management functions are Finance and Communications. While the
Executive Committee is responsible for the implementation of this plan, the overall effort
will be overseen by the Mayor and City Commission. See Figure 6.1 for details on
organization of this committee.
The responsibilities of each of the Working Groups and recovery management functions
are included below in Tables 6.2 and 6.3. For more information of the recovery
management functions, see Section 7 (Finance) and Section 8 (Communication).
Figure 6.1. Panama City PDRP Organizational Structure.
6.2 DECISION-MAKING AUTHORITY
The City Commission, along with the Mayor’s Office, has ultimate decision-making
authority when it comes to long-term legislative redevelopment decisions for the city.
The City Manager’s Office and the participating municipal department heads will
continue to make decisions based on the delegations of authority already in place. Any
Overall Leadership
- Mayor
- City Commission
PDRP Executive Committee
Working Groups
Recovery Management
Functions
Economic
Redevelopment
Land Use and
Community
Redevelopment
Infrastructure
Communications
Finance

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decision falling outside of the authority of city staff will be brought before the legislative
body for direction, as required. Recommendations to the City Commission will be made
by the appropriate staff person or other agency.
Table 6.2 Working Group Responsibilities and Current Chairs, 2008
Working Group
Responsibilities
Current Chair
Support Agencies
Land Use and
Community
Development
▪ Property Rights
▪ Incorporating Mitigation into
Redevelopment
▪ Building Permitting/Review
▪ Affordable Housing Advocacy
▪ Temporary Housing Availability
Allara
Mills-Gutcher,
Planning and
Land Use
Services, and
Mike Johnson,
Community
Development
▪ Community Development
Agency Board
▪ Bay County Builder’s Services
▪ Bay County Emergency
Management
▪ Local Military Installations
▪ West Florida Regional Planning
Council
Economic
Redevelopment
▪ Small Business Recovery
▪ Prevention of Permanent
Relocation of Local Businesses
▪ Communication with Local
Businesses
▪ Promoting New Economic
Opportunities During the
Redevelopment Process
Ted Clem,
Bay County
Economic
Redevelopment
Alliance
▪ Bay County Chamber of
Commerce
▪ Community Redevelopment
Agency Board
▪ Panama City Community
Development Department
▪ Panama City Port Authority
▪ Gulf Coast Community College
Long-Term
Infrastructure
and Public
Facility Repair
▪ Critical Infrastructure and
Facility Repair
▪ Incorporating Mitigation into
Infrastructure Repair
▪ Debris Management
Neil Fravel,
Public Works
▪ Panama City Utilities Director
▪ Gulf Power
▪ Bay County School Board
▪ Panama City Port Authority
Table 6.3 Recovery Management Function Responsibilities and Current Liaisons, 2008
Recovery Function
Responsibilities
Current Chair Coordinating Agencies
Communications
▪ Information Collection and
Dissemination (central repository for
recovery information regarding the
city)
▪ Public Information Officer for the City
▪ Convey Positive Message to
Residents about Recovery
▪ Communicate with State and Federal
Agencies
▪ Coordinate Recovery Relief and
Donations from Charitable
Organizations
Jeff Brown,
City Manager’s
Office
▪ Bay County Chamber
of Commerce
▪ Bay County Economic
Development Alliance
Local Post-Disaster
Financing and
Capacity
▪ Ensure That All Financial
Transactions and Contracts Between
the City and FEMA are Being
Documented
▪ Manage Any City Loans That May Be
Obtained to Fund Disaster Recovery
▪ Manage the City’s Disaster Recovery
Financial Reserves
Terri Lillard,
Finance
Department
▪ City Manager’s Office

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 6-5
6.3 ROLES AND RESPONSIBILITIES
This section details the roles and responsibilities of the agencies and organizations in
the implementation of the Panama City PDRP both pre- and post-disaster. Agencies
and organizations that share issues should collaborate when planning for post-disaster
redevelopment as well as during the implementation phase of this effort.
Panama City Mayor/City Commission – Lead Decision-Making Authority
Panama City City Manager’s Office – PDRP Implementation Function Chair
Issues covered:
Communication
Financial Coordination
Emergency Management (EM)/FEMA Liaison
Volunteer Coordination
Responsibilities:
Implement PDRP
Public Information Officer (PIO)/media contact for the city with regards to recovery
Communicate with other cities in county as well as out-of-county interlocal
agreement cities
Liaison between city and State/FEMA with regard to financial assistance and
long-term redevelopment reimbursement
EOC liaison working with all Emergency Support Functions regarding city’s needs
Bay County Economic Development Alliance – Economic Redevelopment
Working Group Chair
Issues Covered:
Economic Redevelopment Coordination
Business Recovery
Communication
Mitigation
Responsibilities:
Spearhead Economic Redevelopment effort
Represent all local businesses with regard to long-term recovery
Encourage new industry within the community
Convey a positive image of recovery to discourage businesses from relocating
Serve as a clearing house for the Small Emergency Bridge Loan Program to
assist businesses in the interim before SBA is available
Promote Business Continuity Planning
Develop and manage a long-term disaster economic recovery team comprising all
economic development-related agencies within the county
Support the city with communications in a limited capacity

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Panama City Community Development – Community Redevelopment Working
Group Co-Chair
Issues Covered:
Housing
Financial Aid
Economic Redevelopment
Mitigation
Responsibilities:
Provide input on the siting of temporary housing
Identify long-term affordable housing needs and preferred locations in the
community
Coordinate with nongovernmental organizations that have transitional housing
such as Catholic Charities or Red Cross
Advocate for affordable housing during the redevelopment process
Use Community Development Block Grant (CDBG) and State Housing Initiative
Program (SHIP) funding to secure affordable housing monies during
redevelopment process
Create jobs and provide training (such as Certified Nursing Assistant courses)
using CDBG funds
Work with CRAs to encourage businesses to locate to the area
Panama City Planning and Land Use Services – Community Redevelopment
Working Group Co-Chair and PDRP Planning Chair
Issues Covered:
Land Use/Zoning Enforcement
Permitting Coordination
Mitigation
Plan Maintenance and Updating Process
Responsibilities:
Assist City Manager’s Office with PDRP implementation
Review Development Order Applications
Enforce the comprehensive plan and land development code with regards to
damaged structures beyond 50% (below code; non-conforming use)
Work with Bay County Builder’s Services and Permitting Department
Participate in the Bay County LMS Steering Committee
Lead the PDRP maintenance and update process
Panama City Public Works – Infrastructure Repair Working Group Chair
Issues Covered:
Infrastructure repair
Debris removal and management
Mitigation
Coordination

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 6-7
Responsibilities:
Restore and repair all damaged infrastructure
Debris clearance and management
Rebuild or oversee the construction of damaged city-owned structures
Apply mitigation in the repair and rebuilding of all damaged structures and
infrastructure
Repair roads
Community Redevelopment Agencies
Issues Covered:
Restore and repair all damaged infrastructure
Debris clearance
Rebuild damaged structure
Apply mitigation in the repair and rebuilding of all damaged structures and
infrastructure
Repair roads
Responsibilities:
Communicate with businesses and anticipate their required needs to get back on
their feet
Put together incentive packages for businesses to relocate within their CRA
during the redevelopment process
Buy, sell, develop, or redevelop properties
Finance recovery operations by borrowing from local or State governments or
selling bonds
Impose land use and redevelopment controls pursuant to the comprehensive plan
Implement land acquisition programs
Acquire grant funds to redevelop CRAs
Participate in the LMS Steering Committee to bring mitigation funds into the
community
Panama City Utilities
Issues Covered:
Infrastructure repair
Mitigation
Responsibilities:
Restore and repair all damaged water and sewer infrastructure
Apply mitigation techniques during the recovery process
Panama City Budget/Finance
Issues Covered:
Financial Coordination
Local Capacity (to handle responsibility)
Responsibilities:
Work in conjunction with the FEMA Liaison/City Manger’s Office on all FEMA
finance-related matters

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Manage FEMA funding transactions
Manage and apply for any loans, grants, or other financial assistance needed by
the city
Manage city disaster reserves under blue skies as well as post-disaster
Log in and monitor all redevelopment/mitigation projects worksheets during
long-term recovery
Perform any necessary FEMA audits following a disaster
Panama City Police Department
Responsibilities:
Secure damaged areas and control re-entry during short-term recovery
Monitor the severely impacted areas during long-term recovery to control burglary
crime
Panama City Port Authority
Issues Covered:
Mitigation
Economic Redevelopment
Responsibilities:
Repair facilities to ensure Port activity resumes normal operations
Incorporate mitigation into the repair of facilities according to the Panama City
Port Authority Mitigation Plan
Bay County Emergency Management
Issues Covered:
Housing
Debris Clearance
Mitigation
Responsibilities:
Manage short-term recovery
Coordinate with the Community Development Department to determine temporary
housing needs and possible locations within the county
Manage debris clearance efforts in the unincorporated county
Spearhead the County LMS Committee and mitigation program
Bay County Building Services and Permitting
Issues Covered:
Damage Assessment
Habitability Assessment
Communication
Mitigation
Responsibilities:
Perform post-disaster damage assessment
Implement requirements of the National Flood Insurance Program

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Assist the State Historic Preservation Officer with the evaluation of damaged
historic buildings to determine where repairs can be made or demolition is
necessary
Perform Habitability Assessment
Answer questions from residents regarding the safety of their homes
Inspection repair and reconstruction during long-term recovery
Work with utilities to determine when to restore service to damaged buildings
Issue emergency repair permits
Communicate with emergency management, City Manager’s Office and planning
and zoning department regarding access to property and timeframes for
permitting activities
Communicate with media/public information officer to inform residents of property
access and timeframes for permitting activities
Enforce any temporary moratoriums on development in the immediate aftermath
of a disaster
Encourage/enforce mitigation during redevelopment process
Inform residents of ways to apply mitigation during the recovery process, both
quick and easy ways as well as more detailed measures
Bay County School Board
Issues Covered:
Repair All Damaged Facilities
Reopen Schools
FEMA Coordination
Transportation
Responsibilities:
Repair damages to school facilities
Determine how long the schools will be used as temporary shelters
Re-open schools
File paperwork for FEMA reimbursement
Participate in the LMS Steering Committee
Possibly offer schools up as staging areas for recovery efforts
School buses can be used as a means of transportation
Help local businesses by sharing facilities and equipment, as possible
Determine if students enrolled in damaged schools need to be temporarily
relocated to other schools
Gulf Coast Community College
Issues Covered:
Repair Facilities
Mitigation
Public Education
Re-open Campus
Responsibilities:
Repair and restore campus facilities
Participate in the LMS Steering Committee

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Coordinate with Bay County Emergency Management regarding the EOC located
on campus
Re-open campus and resume classes
Extend facilities to local businesses or local governments to assist in recovery
effort
Offer to host seminars and educational opportunities to residents and business
owners
Support the efforts of the Bay County Chamber of Commerce and EDA regarding
economic redevelopment
Tyndall Air Force Base
Issues Covered:
Repair Facilities
Mitigation
Re-open Base
Responsibilities:
Repair and restore military facilities and equipment
Apply mitigation techniques during repair and reconstruction
Restore normal base operations in a quick manner to discourage base closure
Gulf Power
Issues Covered:
Repair Infrastructure
Mitigation
Responsibilities:
Restore electrical services to all service areas
Repair infrastructure
Apply mitigation techniques during repair and reconstruction
Naval Surface Warfare Center of Panama City
Issues Covered:
Repair Facilities
Mitigation
Re-open Installation
Responsibilities:
Repair and restore military facilities and equipment
Restore normal installation operations quickly to discourage base closure
West Florida Regional Planning Council
Issues Covered:
Land Use
Financial Assistance
Damage Assessment

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Responsibilities:
Assist the Planning Department with all services and needs
Help facilitate long-term recovery meetings
Assist with grant and loan programs, including mitigation
Train local staff on how to perform local damage assessments
American Red Cross
Issues Covered:
Housing
Finance
Responsibilities:
Function as backup to the Bay County Emergency Management Division
Open and close shelters and provide assistance during response and short-term
recovery process
Coordinate transitional housing
Provide financial assistance (if available) to help meet unmet needs
Bay County Chamber of Commerce
Issues Covered:
Economic Redevelopment/Business Recovery
Communication
Responsibilities:
Work with local governments to ensure policies are being reinforced that would
discourage businesses from relocating
Promote Business Continuity planning
Communication with membership on long-term recovery efforts
Contact businesses after a storm to coordinate needs
Convey a positive image of recovery to discourage businesses from relocating
Start a “long-term recovery corner” in Bay Biz Magazine and on website in the
aftermath of an event
Catholic Charities
Issues Covered:
Financial Assistance
Responsibilities
Provide long-term recovery financial assistance for unmet needs
Provide volunteer services
6.4 ACTION IDENTIFICATION, PRIORITIZATION, AND IMPLEMENTATION
Actions are projects or initiatives geared toward implementing the goals and solving the
issues listed in Section 2. Actions are organized by topic and issue, then by the
initiation period (actions initiated pre-disaster and actions initiated post-disaster).
Pre-disaster actions typically involve developing policies and procedures that will affect
recovery efforts and undertaking hazard mitigation actions to reduce risk to people and

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property, particularly buildings and infrastructure. Post-disaster actions detail the steps
to be taken after a disaster to put this plan into action. A list of the Panama City PDRP
actions can be found in Section 9. This action list is meant to serve as a starting point
and will be updated and maintained by the Executive Committee on an annual basis or
as determined to be necessary. Any actions that are identified outside of the annual
meeting should be submitted to the Planning Chair to be considered for inclusion in the
plan.
The PDRP Executive Committee prioritized the topics and issues.
6.5 MONITORING, REPORTING, AND UPDATING
The PDRP will be monitored by the Planning Chair pre- and post-disaster. A report will
be prepared annually by the Planning Chair for the Executive Committee’s spring
meeting to assess the progress of the plan implementation as well as any lessons
learned from recent disasters. A special report should be prepared at the completion of
recovery efforts from any disaster that impacts Panama City (Implementation Function
Chair to determine when recovery is complete for the purposes of the PDRP) to examine
the successes and failures of the plan as well as recommend changes or revisions, if
needed. The plan should then be revised or changed as needed according to the report.
On a 5-year cycle, the plan will be reviewed and a comprehensive revision will be
undertaken if deemed necessary. This revision will be led by the Planning Chair with
significant input from the Implementation Chair as well as Working Group Chairs and
recovery management leads. The Executive Committee will meet regularly during this
process in addition to the many separate Working Group meetings that will take place as
necessary to discuss any changes in the roles and responsibilities with regard to their
respective topic. Once the plan has been revised, it will be submitted to the Panama
City City Commission for review and approval. As a part of this review process, a
checklist should be established to monitor the successes, opportunities, and failures of
the PDRP.
6.6 TRAINING SESSIONS
The PDRP involves many different departments and agencies that may meet only once
a year to discuss recovery and redevelopment issues. Policy changes and leadership
redirection in the agencies and departments make the need for annual training exercises
very important in order to ensure that personnel will know their roles and responsibilities
should a disaster strike. The training session will take place in conjunction with the
annual spring meeting. During the training session, the Planning Chair will provide an
overview of the plan, describe each new member’s roles and responsibilities in detail,
and answer any questions members may have concerning the process. A scenario
exercise also may be developed to further explain the role of the PDRP to the new
members and provide experienced members with a refresher on the plan.

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7. post-disaster redevelopment financial resources
The City of Panama City recognizes that disaster recovery is large task and will involve
enormous coordination, documentation, creativity, pre-planning, and a variety of funding
sources. Federal and state financial assistance will be available, but it is possible that these
funds may not be enough for all necessary recovery efforts or the city’s wishes for recovery may
not fit within the eligibility requirements of the assistance programs. The federal and state
assistance programs often require local matching funds, which take time to understand and
knowledge to utilize. The city can be ready for the issues by training staff on known assistance
programs before a disaster occurs. The state, as part of the PDPR Initiative, is currently
drafting a handbook on potential federal and state funding sources that will be made available to
all Florida local governments as a resource for training and planning for recovery financing.
Careful thought is required to determine how a community will recover while taking advantage of
programs that allow the community to incorporate mitigation into their future public investments.
This section provides information on financing opportunities for post-disaster redevelopment
and discusses local capacity to finance recovery.
7.1 CITY FINANCIAL RESERVES AND REVENUE SOURCES
Currently, the city sets aside a certain amount of money in their annual budget for
emergency purposes. However, as learned from Councilman Brian Carierre of Gulfport,
Mississippi, which was greatly impacted by Hurricane Katrina, this funding might not be
enough to cover the full price of disaster recovery. The FEMA reimbursement process
for public assistance is often a very lengthy process. If the community waits on these
funds in order to redevelop, it could slow the process down.
Also, the city must prepare for a decrease in revenue sources such as property and
business taxes and service fees coming into the city from utilities, solid waste, and the
marina. These general revenue funds could be impacted during the post-disaster
redevelopment process as businesses close and property values take a downward turn.
According to the city budget for Fiscal Year 2008, the general fund accounts for
approximately 43% of the total expenditures of the city. Without these funds coming in
to support this portion of the budget, local government expenditures will be impacted.
7.2 DISASTER RECOVERY FINANCIAL RESOURCES
Grant/Loan Opportunities
Many grant opportunities are available to local governments to fund disaster mitigation
prior to a storm and mitigation and recovery following a disaster. As a part of the Florida
PDRP Initiative, the Florida Department of Community Affairs and Florida Division of
Emergency Management are developing a handbook on state and federal funding
sources that may be available to local governments after a disaster. The city plans to
use this guide to further enhance its post-disaster financing planning efforts.

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Match
As previously mentioned, many of the funding opportunities available to local
governments require local matching funds, typically up to 25% of the project cost. This
can be met in a variety of ways, including cash, in-kind services or materials, or a global
match source. Providing a cash match for a project requires the least amount of effort
on the part of the agency or individual; however, this assumes that the money is
available. Providing in-kind services or materials is often preferable, as this option does
not require additional funds to be allocated for the project. In-kind services or materials
can include participation in the project development (i.e., construction, engineering,
architectural services, etc. for bricks and mortar projects and donation of staff time for
plan development of planning projects), project management, or the provision of
materials needed to complete the project (including both construction materials as well
as materials needed to complete plans such as maps, paper, binding, etc.). Global
match is often the most difficult source to use; however, it allows the grantee to use
projects funded at the local level that began after the disaster declaration as a match for
a future project of the same kind. The city should consider cash match when setting
money aside as a part of their local financial reserve. They also should document any
services provided by volunteers that are similar to the projects for which they are
submitting applications because these efforts can be used as global match.
Inter-governmental and Mutual Aid Agreements
In the past, the city entered into a mutual aid agreement with the City of Port Orange and
the City of Naples to provide post-disaster recovery assistance. This agreement is not
currently active; however, the city plans to re-adopt the agreement. It is suggested that
the following subjects be discussed for inclusion in this agreement:
Debris Management;
Public Infrastructure, Facilities, and Utilities Restoration and Repair;
Emergency Response and Recovery Operations;
Grant Writing;
Grant and Project Reimbursement Management; and
Development Review and Permitting.
It also is suggested that the city explore the possibility of entering into mutual aid
agreements with the West Florida Regional Planning Council. Panama City should
explore mutual aid agreements with this organization, especially for grant writing and
development review and permitting.
Pre-Disaster Service Contracts
Following a disaster, it is often hard to find contractors to provide disaster recovery
services because of the high demand for these companies. It is best to negotiate
contracts with organizations prior to the disaster. The City of Panama City has
recognized this need with regard to debris removal and management. Currently, the city
has contracts with the following companies (Appendix E):
Omni Pinnacle, LLC;
BAMACO, Inc.; and
Crowder Gulf, Inc.

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The city may wish to consider pre-arranged contracts for other services in the future as
well because other departments often need additional staff to complete or manage the
extra responsibilities.
Charitable Contributions and Volunteers
Charitable organizations can be a valuable resource to communities during the disaster
recovery process. The Panama City PDRP Executive Committee had representation
from three of these organizations, including the American Red Cross, Catholic charities,
and United Way of Northwest Florida. The key to the success of charitable contributions
and volunteer labor is management and coordination to ensure there are no duplicated
efforts or wasted resources. Often, charitable organizations are the first to come to the
aid of the community following a disaster, and a main contact person is needed to
ensure that resources are being utilized effectively.
City of Panama City Contact:
Jeff Brown, Assistant City Manager
City Manager’s Office
(850) 872-3010
jeff.brown@cityofpanamacity.com
The City Manager’s Office also will coordinate with the County Emergency Management
Department and surrounding jurisdictions on this matter. The city should pre-identify the
basic needs for both short- and long-term recovery needs of the residents and business
owners and have these available for organizations that wish to be involved with
long-term recovery. Suggested long-term needs may include the following:
Financial contributions for residents and business owners
Donated temporary rental housing for residents
Donated temporary rental space for businesses and possibly the local government
offices
Volunteer carpentry services for residents, business owners, and the city
Volunteer electrical services for residents, business owners, and the city
Volunteer grant writing services for residents, business owners, and the city
Community clean-up teams for local neighborhoods and the city
Once these services and resources have been donated or offered, the City Manager’s
Office can then help match them to departments, individuals, or businesses that have
unmet needs and would benefit from the assistance. If offers are received for resident
assistance, the city will forward these offers to the local non-profit organizations
coordinating disaster recovery for citizens. Offers that are received for business
assistance will then be forwarded to the Bay County Economic Development Alliance
and Chamber of Commerce for distribution.

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8. communication and public outreach
Establishing strong lines of communication with the residents and business owners in a
community both pre- and post-disaster is essential to the recovery and redevelopment process.
A city must involve the pubic in the decision-making process from the time of impact to ensure
that public opinions are part of the process and that they approve of the direction the city plans
to take in the future. It also is vitally important to convey a positive message to the community
that the city is prepared for an efficient and timely recovery. This message must be continued
following a disaster to assure residents and business owners are aware of their value to the
community and to prevent a migration from the community.
Throughout the Panama City PDRP planning process, the need for proper lines of
communication was identified as a common issue concerning the Executive Committee. A
Public Information Officer is not currently part of the structure of the city to aid in the
coordination of long-term recovery communications internally and with other agencies.
Therefore, the role of communicating with residents, local business owners, and Federal and
State agencies falls under the responsibility of individual city employees and other agencies
working cooperatively with the city.
8.1 INFORMATION COLLECTION AND DISSEMINATION
Information collection and dissemination is the responsibility of the City Manager’s Office
as it relates to local government and citizens. The Bay County EDA will manage
business recovery and economic redevelopment. While these agencies serve as the
central repository for information dissemination, it should be noted that they also will be
working in cooperation with other departments and agencies as well. For example,
during the business recovery phase, the Panama City CRA will coordinate with the Bay
County EDA concerning the businesses located within the CRA boundaries.
Government and Public Liaison
The Panama City Point of Contact is the Assistant City Manager
City of Panama City
City Manager’s Office
(850) 872-3010
The City Manager’s Office is responsible for both internal and external communication
and acts as the official Liaison for Panama City to all outside parties. The
responsibilities of the City Manager’s Office include the following:
Act as the central repository for information concerning long-term recovery for all
aspects of the city.
Coordinate with the Bay County EOC during the short-term recovery phases to
ensure the decisions are consistent with the PDRP and help facilitate long-term
recovery for the city.
Project a positive image of recovery to all residents to dissuade them from relocating.
Determine the infrastructure and structure repair needs of all city departments.

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Work with all city departments and residents to incorporate mitigation into any repair
efforts, when possible.
Coordinate with any non-profit agencies, including Catholic charities, the Red Cross,
United Way, and Habitat for Humanity, that may provide assistance to the community.
Communicate with residents through press releases and press conferences on the
status of the long-term recovery efforts with the city. Press releases should be sent to
the following three media outlets:
o WJHD TV news@wjhd.com
o WMBB TV wmbbnews@wmbb.com
o Panama City News Herald dcarson@pcnh.com
Communicate with the State DEM and FEMA regarding long-term recovery-related
issues such as the city’s requirements, any barriers impeding timely recovery, and
financial assistance.
Business Liaison
Executive Director
Bay County Economic Development Alliance
P.O. Box 1850
Panama City, Florida 32402-1850
(850) 215-3752
The Economic Development Alliance will communicate with all business owners to
ensure a diligent recovery. These responsibilities include the following:
Establish contact with local businesses (especially those that are major economic
drivers within the city) immediately following the storm to create proper lines of
communication and show interest in their recovery.
Work to create a positive image of recovery within the business community to
dissuade any of them from relocating outside of the area, possibly by launching a
business awareness campaign to assure business owners of their importance in the
community.
Discover what local businesses require in order to reopen and communicate these
needs to the County EOC and the City Manager’s Office.
Encourage local businesses to incorporate mitigation techniques into their repair and
reconstruction efforts.
Provide information to businesses on any available financial assistance, including the
Small Business Administration and State Bridge Loan Programs (see the Finance
Plan for more information).
Keep in contact with the business community through various mechanisms, including
“Disaster Recovery Corner” in the Bay Biz Newsletter, the Bay County Chamber and
Economic Development Alliance website, lists serves, press releases, and (if
available) a program such as the Business Continuity Information Network (BCIN).
Determine if any local businesses could help aid in the recovery efforts and
encourage the communication between the various parties.
Implement the Small Bridge Loan Program.
Assist business owners with relocation within the community to areas that may
decrease the vulnerability of their business

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN |8-3
The Panama City Community Redevelopment Agency Board
Executive Director
Panama City Community Redevelopment Agency
413 Harrison Avenue
Panama City, Florida 32401
(850) 785-2554
Responsibilities of the Panama City Community Redevelopment Agency Board include
the following:
Work with the Chamber of Commerce to assist with the above mentioned tasks,
focusing on the Community Redevelopment Areas.
St. Andrews Waterfronts Partnership
Executive Director
St. Andrews Waterfronts Partnership
1134 Beck Ave
Panama City, Florida 32401
(850) 878-7208
Responsibilities of the St. Andrews Waterfronts Partnership include the following:
Work in coordination with the Community Redevelopment Agency Board and
Chamber of Commerce with the above mentioned tasks, focusing on the St. Andrews
Waterfronts Partnership businesses.
8.2 PUBLIC PARTICIPATION IN REDEVELOPMENT DECISIONS
In the event of a catastrophic disaster, some areas may have suffered concentrated
damage such that major redevelopment is needed. Instead of allowing the
redevelopment of that area to be a piece-meal process or, worse yet, become a blighted
area of uninhabited structures, a visioning process that includes residents and business
owners could be used to create a strategic plan for the redevelopment of this area.
Sometimes the aftermath of a disaster provides an opportunity to make improvements to
the community. The involvement of all stakeholders in this visioning process ensures
that the plan is approved by the community and that those in the area will continue with
this visioning if other opportunities to redevelop present themselves. This section
outlines strategies for involving the public, both prior to the disaster as well as during the
implementation of the plan. These suggestions have been listed by their level of
difficulty of achievement within Panama City (low to high).
Pre-Disaster
Provide Information
Local news channels can do a special segment on the plan.
Conduct interviews on local radio talk shows (GCCC Wrap Report, Talk 101, etc.).
Include information on disaster recovery and the PDRP on the Panama City website.

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Conduct or sponsor public service announcements.
Develop brochures explaining Panama City’s post-disaster policies and planned
procedures as well as provide information on the website.
Distribute the plan’s Executive Summary to congressional representatives to inform
them about the plan.
Form a speaker’s bureau to present the plan to local organizations (Chamber of
Commerce; First Friday Meetings; Rotary Club; and Kiwanis Club).
Create a slogan for post-disaster redevelopment to be used after a disaster by the
community to communicate to residents and business owners where to go for
assistance and the city’s commitment to the timely recovery process.
Involve Residents
Hold a charette-style meeting to encourage public participation during the visioning
process. The product of these meetings will be strategic plans for vulnerable areas of
the community that could possibly need to be redeveloped after a disaster.
Encourage citizen participation in the aid of the development of a post-disaster
redevelopment scenario.
Schedule a “Community Recovery and Resource Day.” Involve all local, state,
federal, and regional organizations as well as residents and members of the
community to come together to discuss post-disaster redevelopment. This also
provides an opportunity to present new ideas or receive feedback from the
community on the plan or recent implementation of the plan.
Hold public workshops to solicit involvement from residents and business owners:
o Advertise the meeting dates and agendas on the local community calendar
websites (City of Panama City, Chamber of Commerce, Gulf Coast Community
College, etc).
o Involve local celebrities in the events.
o Include an open house as a part of the public workshop
o Encourage a two-way exchange to allow the community the ability to offer
comments and ask questions.
o Offer door prizes for those who complete surveys.
o Solicit sponsors from the community and ensure an outlet is available for them to
advertise their sponsorship.
Post-Disaster
Determine areas that may need a visioning process for redevelopment based on the
vulnerability analysis.
Determine the specific boundaries of the area and create maps depicting the
damages sustained in different areas as well as current and future land use
designations.
Once the damaged area has been approved for a post-disaster redevelopment
visioning process, the city should prepare a press release that includes a description
of the visioning area and the city’s intentions and encourages residents and business
owners to participate in the visioning process.
Hold a charette-style meeting to discuss any challenges or opportunities that have
presented themselves as a result of the recent disaster.

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o Create a page on the city’s website that describes the visioning process and
future intentions for the areas being redeveloped.
o Advertise the website through a variety of venues to encourage pubic
involvement. This could include Disaster Recovery Centers and providing links
on other stakeholder organization websites.
o Analyze the risk of rebuilding (at parcel level, if available) and make mitigation
recommendations for the vision.
o Include an economic analysis describing the impacted community as it was
before the disaster and include possible suggestions that could restore the
economy or perhaps develop it in a new direction.
o Prepare visual choices for the visioning meetings such as maps to show the
potential alternatives and sketches to give the community an idea of what the
redeveloped areas might look like in the future.
o Hold the meeting on a Saturday during the day (to avoid any safety issues from
the disaster) so that all members of the community can participate. Advertise
these meetings using many different media outlets (editorials in newspapers,
radio interviews, local news broadcasts, etc.)
o Allow interested stakeholders to provide comments back on the visioning plan via
the city website.
o Develop goals and objectives for the meeting and use professional facilitation
services to ensure that these goals and objectives are accomplished.
Start a public information campaign to encourage a positive image of the recovery
efforts. The campaign should be aimed at both business owners and residents and
keep them informed of progress. Ideas for the campaign are included below.
o Establish a point of contact for information, such as a main website.
o Begin to market and advertise the slogan aimed at providing information to
residents and business owners that was developed in the pre-disaster period.
o Utilize different methods of communication to advertise where to get information
(i.e., list serves, public service announcements, links on other agency websites,
etc.).
8.3 REGIONAL AND STATE COORDINATION
All coordination with outside agencies will go through the FEMA Liaison at the City
Manager’s Office (see contact information and responsibilities in Section 7.1). The City
Manager’s Office has the authority to delegate these responsibilities to the Working
Group Chairs, where appropriate (see Section 6.1.1 for Working Group Chairs). The
three bullets below provide information on the responsible party for coordinating with the
different levels of government agencies.
County/Other Municipalities: The City Manager’s Office will be responsible for all
communication with the county and other municipalities. This position also will be
responsible for any communication between the city and the State of Florida or
Federal agencies.
Regional Planning Council: The City Planning Department will be responsible for
establishing lines of communication with the Regional Planning Council.

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State/Federal Government: The City Manager’s office, which serves as the FEMA
Liaison, will handle all communications between State/Federal Government and the
city.

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9. action plan
In order to assist with the implementation of the PDRP, both pre and post-disaster actions or
initiatives have been developed for Panama City to consider implementing. Actions have been
developed for economic redevelopment, land use and community development, infrastructure,
finance and communication. The Action Plan is not an exhaustive list, but rather a working
document that can be continually updated. Completed actions that do not need to be
implemented after every disaster event can be taken off of the list and included in Appendix C
as a record of accomplishments.
The actions contained in the Panama City PDRP are considered the most important part of the
plan because while the initial planning phase has been completed, this plan is considered to be
a work-in-progress. Many of these actions are in-progress or have been identified as being
actions that should be taken as soon as possible. These are the actions that are vital to the
success of this PDRP and should be given high priority when continuing on with this effort.
The actions are organized in tables for each issue identified in Section 2. Each action includes
the committee members necessary for implementation, an approximate timeframe for
completion, and funding considerations. Proposed timeframes have been included to give the
Executive Committee and other interested parties an approximate timeframe during which they
should either start or accomplish the action. These timeframes should serve as a guide for
implementation and are not meant to be deadlines for completion. The funding considerations
have been identified to guide Panama City in identifying which actions the city may be able to
accomplish without additional funding and which would require forethought in obtaining funding
from outside sources. Available funding sources are discussed in more detail in Section 7.
It is important to note that any actions assigned to the Bay County Chamber of Commerce or
the Bay County EDA will be implemented countywide and not just within the City of Panama
City.
The below acronyms are used throughout the tables comprising the Action Plan on the following
pages:
▪ BCIN = Business Continuity Information Network;
▪ CRA = Community Redevelopment Agency Area;
▪ EDA
= Economic Development Alliance;
▪ ESF
= Emergency Support Function;
▪ FDCA = Florida Department of Community Affairs;
▪ FEMA = Federal Emergency Management Agency;
▪ GCCC = Gulf Coast Community College;
▪ GIS
= Geographic Information Systems;
▪ HMGP = Hazard Mitigation Grant Program;
▪ LMS
= Local Mitigation Strategy;
▪ PDM = Pre-Disaster Mitigation (FEMA grant program); and
▪ PDRP = Post-Disaster Redevelopment Plan.

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9.1 LAND USE AND COMMUNITY DEVELOPMENT ACTIONS
Streamlining of the Redevelopment Process
Action
Committee Members Involved
Approximate
Timeframe
Funding
Considerations
Pre-Disaster
Evaluate the ability to temporarily streamline local
development orders in the aftermath of a disaster
without compromising development quality and
consistency with the city’s vision.
Planning Manager
2008 to 2009
In-house staff
time
Evaluate all State regulations that may apply to the
redevelopment process and determine if there are
any actions that can be completed ahead of time to
expedite the review.
Planning Manager
2008 to 2009
In-house staff
time
Determine procedures for streamlining development
orders for affordable housing developments to
function as long-term housing for displaced residents
(if possible) or emergency occupancy permitting
procedures for businesses that must relocate.
Planning Manager; Director of
Community Development
2008 to 2009
In-house staff
time
Determine steps for emergency occupancy
permitting procedures for businesses that must
relocate, if possible.
Planning Manager; Director of
Community Development
2008 to 2009
In-house staff
time
Conduct a study to determine which property owners
living in vulnerable areas do not currently have
homeowner’s insurance and target these areas for
buyouts; acquisition projects, and visioning for
redevelopment.
Director of Community Development
2008 to 2010
In-house staff
time
Examine all of the current non-conforming uses and
determine how the city will address these uses
should the property be damaged beyond 50%,
leaving property owners unable to rebuild their home
or business.
Planning Manager; Director of
Community Development
2008 to 2010
In-house staff
time
Explore the vulnerability of the Port of Panama City
and how to best streamline the permitting process
following a disaster to quickly repair the facility.
Panama City Port Authority; Planning
Manager
2008 to 2010
In-house staff
time; economic
development
funding sources
Post-Disaster
CRAs meet often to review development orders in
order to streamline this supplemental review
process.
Planning Manager; CRA Board
Executive Director
As needed
In-house staff
time
Coordinate with all State and Federal agencies that
may be involved in the review process during
redevelopment in order to determine what types of
information they will need and if there are ways to
expedite the review process through close
coordination.
Planning Manager
Prior to
development
review
resumption
In-house staff
time
Disaster Housing
Action
Committee Members Involved
Approximate
Timeframe
Funding
Considerations
Pre-Disaster
Develop a disaster housing plan that addresses the
needs of displaced residents and sets criteria for
temporary housing types and locations. Coordinate
this effort with surrounding jurisdictions.
Planning Manager; Community
Development Director; City Manager's
Office
2008 to 2009
In-house staff
time
Meet with local hotels and condo owners in the city
and surrounding areas to determine which can be
used for temporary housing for relief workers, city
employees, and residents.
Planning Manager; Community
Development Director; Bay County EDA
and Chamber of Commerce
2008 to 2009
In-house staff
time

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 9-3
Action
Committee Members Involved
Approximate
Timeframe
Funding
Considerations
Pre-determine sites for mobile homes and travel
trailers if they cannot be located on the property that
received the damage. It also is important to
determine if sites designated for mobile home and
travel trailer placement have appropriate
infrastructure in place to support this function.
Planning Manager; Community
Development Director; Pubic Works
Director
2008 to 2009
In-house staff
Decide how the city will provide temporary housing
for citizens with special needs, including the elderly
and handicapped.
Planning Manager; Community
Development Director
2008 to 2009
In-house staff
time
Determine if land development code changes are
required to allow temporary placement of disaster
housing.
Planning Manager; Community
Development Director
2008 to 2009
In-house staff
time
Establish a timeframe goal for the transition of
disaster housing to permanent housing.
Planning Manager; Community
Development Director; Emergency
Management Director
2008 to 2009
In-house staff
time
Evaluate the possible needs of the homeless
population in terms of shelter, food, and water in
Panama City and determine how the city will work to
address these needs post-disaster.
Community Development Director
2008 to 2010
In-house staff
time
Post-Disaster
Contact the Board of Realtors to determine the
address of all available rental units in the community.
Planning Manager; Director of
Community Development
Immediately
In-house staff
time
Contact all local hotels to determine when they will
be ready to accept guests.
Planning Manager; Community
Development Director; Bay County EDA
and Chamber of Commerce
Immediately
In-house staff
time
Examine the preliminary damage assessment to
determine which areas were likely to have received
the most damage and, using this information and the
lists of available hotels and rental units, determine
best locations for temporary housing.
Planning Manager; Bay County
Emergency Management
Upon completion
of the
preliminary
damage
assessment
In-house staff
time
Conduct an assessment of the temporary housing
provided by the city to determine if it is meeting the
needs of the citizens, if it is still good condition, and
whether the city will be able to meet the established
goal timeframe for the transition of disaster housing
to permanent housing.
Planning Manager; Community
Development Director; Bay County
Emergency Management Director; Bay
County Builders Services
Every 6 months
after disaster
until transition is
complete
In-house staff
time
Determine if the current plan in place adequately
addressed the needs of the citizens and evaluate
any lessons learned and challenges. Compile this
information and include it in an update to the disaster
housing plan.
Planning Manager; Community
Development Director; Bay County
Emergency Management; Bay County
Builders Services
After disaster
housing
transition is
complete
In-house staff
time
Include Mitigation in Redevelopment Process
Action
Committee Members Involved
Approximate
Timeframe
Funding
Considerations
Pre-Disaster
Pre-identify potential mitigation projects and place
them on the Bay County LMS Project List.
Planning Manager; Community
Development Director; City Manager's
Office
Ongoing
In-house staff
time
Review current zoning and land use in relation to the
vulnerability analysis and determine if a disaster
could present an opportunity to make any needed
changes to better the community.
Planning Manager; Community
Development Director; City Manager's
Office; City Attorney
2008 to 2010
In-house staff
time
Determine feasibility of utilizing incentives in
development permitting, such as density increases,
in exchange for implementing hazard mitigation
measures.
Planning Manager; City Attorney
2008 to 2010
In-house staff
time
Launch a public outreach campaign on smart
development and redevelopment decisions that
focuses on integrating hazard mitigation into
development practices.
Planning Manager
2008 to 2010
In-house staff
time; DCA
assistance; PDM
Conduct a study to determine the public opinion of
the redevelopment of the City Hall Complex and
Civic Center in its current location versus moving
these buildings to a less vulnerable location.
Planning Manager; Community
Development Director; City Manager’s
Office; CRA Board
2008 to 2010
In-house staff
time

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Action
Committee Members Involved
Approximate
Timeframe
Funding
Considerations
Post-Disaster
Meet with the public to identify interested landowners
in hazard-prone areas for potential buyout projects.
Planning Manager; Community
Development Director; City Manager's
Office
Within 3 months
In-house staff
time
Pursue funding for land acquisition and relocation
assistance to remove development from highly
vulnerable locations.
Planning Manager; Finance Director;
Community Development Director; City
Manager's Office; EDA; CRA Directors
Within 6 months
In-house staff
time; possibly hire
contractor to
assist
Evaluate whether amendments to the
comprehensive plan are needed due to unforeseen
disaster impacts.
Planning Manager
Ongoing through
long-term
recovery efforts
In-house staff
time
Affordable and Attainable Housing
Action
Committee Members Involved
Approximate
Timeframe
Funding
Considerations
Pre-Disaster
Evaluate the affordable housing needs of the
community to determine if this becomes an issue for
the city.
Planning Manager; Community
Development Director
Annually
In-house staff
time
Post-Disaster
Determine if affordable and attainable housing is a
new issue for the city using the damage assessment
and information on who is applying for funding. If
affordable and attainable housing is determined to
be an issue, include this in the visioning process for
redevelopment and develop strategies for resolving
these issues.
Planning Manager; Community
Development Director
Within 6 months
In-house staff
Utilize incentives, such as density bonuses, in
exchange for providing affordable housing.
Planning Manager; Director of
Community Development
Within 1 year
In-house staff
time
Document desired comprehensive plan changes to
the housing element pertaining to post-disaster
recovery and redevelopment for possible inclusion in
the city's next Evaluation and Appraisal Report.
Planning Manager; Director of
Community Development
Within 1 year
In-house staff
time
Environmental Restoration
Action
Committee Members Involved
Approximate
Timeframe
Funding
Considerations
Pre-Disaster
Evaluate the need for land acquisition for wetland
protection or coastal preservation that could also
serve a hazard mitigation function.
Planning Manager; City Engineer; Public
Works Director
2008 to 2010
In-house staff
Determine location of hazardous materials that may
be impacted from a disaster and document
procedures for long-term cleanup and public safety.
Bay County Emergency Management
2008 to 2010
In-house staff
Research urban forest funding programs for potential
use after a disaster to restore lost trees in the city.
Public Works Director
2008 to 2011
In-house staff
Post-Disaster
Assess the conditions of natural features of the
community, such as the coastlines and wetlands,
and determine if mitigation projects should be
developed.
Planning Manager; City Engineer; Public
Works Director
Within 6 months
In-house staff
time

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 9-5
Cultural and Historic Resource Restoration
Action
Committee Members Involved
Approximate
Timeframe
Funding
Considerations
Pre-Disaster
Integrate hazard mitigation and post-disaster
redevelopment planning practices into the CRA’s
strategic planning process.
Planning Manager; CRA Executive
Director; St. Andrews Waterfronts
Partnership
2008 to 2010
In-house staff
time
Conduct a vulnerability assessment of all historic
structures within Panama City and consider including
mitigation projects in the LMS to harden and protect
those considered highly vulnerable without
compromising their historical integrity.
Planning Manager; CRA Executive
Director; St. Andrews Waterfronts
Partnership Program
2008 to 2011
In-house staff
time
Post-Disaster
Conduct a damage assessment to determine which
historically significant properties were impacted.
Planning Manager; CRA Executive
Director; St. Andrews Waterfronts
Partnership Program
Immediately
In-house staff
time
Devise strategies for the redevelopment of these
structures without compromising the historical
significance. The restoration project would be
undertaken by private owners unless the city owns
the property.
Planning Manager; CRA Executive
Director; St. Andrews Waterfronts
Partnership Program
Within 6 months
In-house staff
time
9.2 ECONOMIC REDEVELOPMENT
Retention of Major Employers
Action
Committee Members Involved
Approximate
Timeframe
Funding
Considerations
Pre-Disaster
In the spring, hold annual workshops to educate
local businesses about business recovery and the
PDRP.
Planning Manager; Bay County EDA and
Chamber of Commerce
Annually in the
Spring
In-house staff
time
Coordinate with the small business incubator as a
viable resource for providing temporary business
locations following a disaster.
Planning Manager; Bay County EDA and
Chamber of Commerce
2008 to 2009
In-house staff
time
Partner with the Board of Realtors to establish this
agency as a resource for locating temporary sites for
damaged businesses.
Planning Manager; Bay County EDA and
Chamber of Commerce
2008 to 2009
In-house staff
time
Coordinate with all jurisdictions to explore locations
for Business Disaster Recovery Centers that would
1) be easily accessible; 2) have wireless Internet
access; and 3) have space that can be used for
various recovery stations.
Planning Manager; Bay County EDA and
Chamber of Commerce
2008 to 2009
In-house staff
time
Coordinate with temporary employment agencies on
their role as temporary employment providers to
displaced workers within the Business Disaster
Recovery Center.
Planning Manager; Bay County EDA and
Chamber of Commerce; PC Community
Development Director
2008 to 2009
In-house staff
time
Establish EDA and Chamber of Commerce as the
lead in economic redevelopment following disasters
by gaining support in this role from elected officials
and community leaders.
Planning Manager; Bay County EDA and
Chamber of Commerce
2008 to 2009
In-house staff
time
Develop a campaign aimed at community business
owners focusing on the positive actions regarding
redevelopment and assistance that can be
implemented following a disaster.
Planning Manager; Bay County EDA and
Chamber of Commerce; CRA Board
Executive Director
2008 to 2010
In-house staff
time
Encourage businesses to seek insurance that could
cover business interruptions from disasters and/or
set aside emergency funds for use after a disaster.
Bay County EDA and Chamber of
Commerce; CRA Board Executive
Director
2008 to 2010
In-house staff
time
Meet with major employers within the city to share
the goals of the PDRP and involve them in the
economic redevelopment portions of the plan.
Businesses interested in participating could form a
PDRP Advisory Committee for economic
redevelopment and business recovery.
Planning Manager; Bay County EDA and
Chamber of Commerce
2008 to 2010
In-house staff
time

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Action
Committee Members Involved
Approximate
Timeframe
Funding
Considerations
Conduct a study to determine the economic impact
should the Port of Panama City be lost or temporarily
closed following a disaster.
Panama City Port Authority; Bay County
EDA and Chamber of Commerce
2008 to 2010
In-house staff
time; Economic
development
grants
Determine where all organizations participating in
the PDRP implementation will relocate following a
disaster, if necessary.
Planning Manager; Bay County EDA and
Chamber of Commerce; PC Community
Development Director
2008 to 2010
In-house staff
time
Post-Disaster
Coordinate with the Bay County School Board to
ensure that schools are re-opened as soon as
possible to give parents a place to send kids so they
can begin working again.
City Manager's Office; Bay County
School Board
Immediately
In-house staff
time
Open Business Recovery Centers to provide aid to
local businesses and advertise the location of these
centers.
Bay County EDA and Chamber of
Commerce
Immediately
In-house staff
time
In an effort to speed up economic recovery, make
business permitting a priority during the permit
review process.
Planning Manager; Bay County Builders
Services
Immediately
In-house staff
time
Coordinate with the CRA Board of Panama City
during the redevelopment process to exchange
ideas and resources from the different community
jurisdictions.
Community Development Director; Bay
County EDA and Chamber of
Commerce; CRA Executive Directors
Within 2 months
In-house staff
time
Implement a post-disaster recovery outreach
campaign designed to communicate recovery efforts
coordinated by the city to reassure businesses that
the plan is being implemented and that progress is
being made.
Bay County EDA and Chamber of
Commerce; Community Development
Director; CRA Executive Director
Within 3 months
In-house staff
time
Explore the development of tax incentives for local
businesses during the recovery effort to encourage
reinvestment.
Finance Director; City Manager's Office;
Bay County EDA and Chamber of
Commerce; Congressional Delegation
Within 6 months
In-house staff
time
Local Business Assistance
Action
Committee Members Involved
Approximate
Timeframe
Funding
Considerations
Pre-Disaster
Assist businesses in the development of Business
Continuity Plans. Begin an outreach campaign that
supplies information about business vulnerability and
continuity planning (website, mailings, meeting
presentations, etc). Provide technical assistance to
small businesses interested in pursuing continuity
planning.
Bay County EDA and Chamber of
Commerce; Bay County Emergency
Management
Ongoing
In-house staff
time
Create a list of qualified local and regional
contractors to perform post-disaster recovery work.
Bay County EDA and Chamber of
Commerce
2008 to 2009
In-house staff
time
Advertise the opportunity to be included as a
licensed contractor on the websites of the City of
Panama City, the Bay County EDA, and the
Chamber of Commerce; in local newspapers; and
through other media outlets.
Bay County EDA and Chamber of
Commerce; Bay County Builders
Services
2008 to 2009
In-house staff
time
Develop a mutual aid agreement between the Bay
County EDA and the City of Panama City that
defines their respective roles in the implementation
of the PDRP Economic Redevelopment Actions,
both pre- and post-disaster.
Bay County EDA; City Manager’s Office
2008 to 2009
In-house staff
time
Explore grant and funding aid programs that may be
able to assist the Bay County EDA and Chamber of
Commerce with potential revenue losses
post-disaster.
Bay County EDA and Chamber of
Commerce
2008 to 2009
In-house staff
time
Host a meeting to discuss business disaster
recovery and redevelopment with other Economic
Development Organizations in northwest Florida
through “Florida’s Greater Northwest” coordinated by
the West Florida Regional Planning Council.
West Florida Regional Planning Council;
Bay County EDA and Chamber of
Commerce
2008 to 2009
In-house staff
time

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 9-7
Action
Committee Members Involved
Approximate
Timeframe
Funding
Considerations
Organize business continuity planning workshops.
Business owners or professional continuity planners
who have developed successful plans could serve
as guest speakers. There are many sources of
business continuity planning materials available to
attendees to get them started.
Bay County EDA and Chamber of
Commerce; Bay County Emergency
Management; Planning Manager; CRA
Board Executive Director
2008 to 2010
In-house staff
time; funding for
speakers and/or
materials
Through Chamber of Commerce membership
correspondence and the EDA website, survey local
businesses to determine if they have a Business
Continuity Plan. The survey can be repeated to
monitor the progress of business continuity planning.
Bay County EDA and Chamber of
Commerce
2008 to 2010
In-house staff
time
Research additional business recovery financial
assistance resources through the Small Business
Administration and the Business Development
Department of the Gulf Coast Community College
and stay up to date on this type of research
throughout the state.
Planning Manager; Bay County EDA and
Chamber of Commerce; Gulf Coast
Community College Representative
2008 to 2010
In-house staff
time; college
interns; HMGP;
PDM
Work with Bay County Emergency Management to
establish an Emergency Support Function (ESF) 18,
which focuses on Business, Industry, and Economic
Stabilization, with the Bay County EDA and
Chamber of Commerce functioning as the lead for
this ESF.
Bay County EDA and Chamber of
Commerce; Bay County Emergency
Management
2008 to 2010
In-house staff
time
Work with Bay County Emergency Management to
determine the scheduling and location for staffing
within the Emergency Operations Center for both
ESF 18 and Panama City representatives.
Bay County EDA and Chamber of
Commerce; Bay County Emergency
Management; City Manager’s Office
2008 to 2010
In-house staff
time
Work with local businesses to define non-financial
methods of recovery assistance such as resource
sharing, communication needs, and necessary
support services (e.g., childcare). Begin working on
methods to supply this type of assistance.
Bay County EDA and Chamber of
Commerce; Gulf Coast Community
College
2008 to 2011
In-house staff
time; HMGP/PDM
Planning funds;
team with GCCC
on this effort
Compile a database of contractors in Panama City
and the surrounding areas. Have entry fields for
areas of expertise, capacity, and experience.
Advertise the database.
Bay County EDA and Chamber of
Commerce; Bay County Builders
Services
2008 to 2011
HMGP; PDM or
possibly BCIN
demonstration
Post-Disaster
Ensure that the Bay County EDA and Chamber of
Commerce are up and running as soon as possible
by making their needs a priority to ensure that they
are capable of assisting local businesses.
Bay County EDA and Chamber of
Commerce; Community Development
Director; CRA Executive Director
Immediately
In-house staff
time
In coordination with ESF 18, establish Business
Recovery Centers to provide key information and a
one-stop permitting center for local businesses.
Bay County EDA and Chamber of
Commerce; Bay County Emergency
Management; Bay County Builder’s
Services; Community Development
Director; Planning Manager
Immediately
In-house staff
time
Implement the Enterprise Florida Business Bridge
Loan Program.
Bay County EDA
As soon as
available
In-house staff
time
Once the development of the new Emergency
Operations Center is completed, include a
representative from ESF 18 to coordinate business
recovery and economic redevelopment.
Bay County EDA; Bay County
Emergency Management
Within the first
week
In-house staff
time
CRAs contact business owners within their
jurisdiction to ensure that their needs are being met
and provide additional resources.
CRA Executive Director; St. Andrews
Waterfronts Partnership Program
Within 2 months
In-house staff
time

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9.3 LONG-TERM INFRASTRUCTURE AND PUBLIC FACILITY REPAIR
Infrastructure and Public Facility Repair
Action
Committee Members Involved
Approximate
Timeframe
Funding
Considerations
Pre-Disaster
Reassess the progress of the mitigation projects and
update the fiscal year budget and timeframe
accordingly.
Public Works Director; Finance Director;
Utilities Director
Annually
In-house staff time
Explore the possibility of inter-local and mutual aid
agreements for infrastructure repair.
Public Works Director; Utilities Director
2008 to 2009
In-house staff time
Develop project ideas and costs to incorporate
mitigation into the redevelopment of the vulnerable
infrastructure and include projects in the city's
Capital Improvement Plan and the Countywide LMS.
Public Works Director; Utilities Director
2008 to 2009
In-house staff time
Develop a timeframe for executing each of the
projects and include the project cost in future budget
considerations based on the timeframe for execution
of the project.
Public Works Director; Finance Director;
Utilities Director
2008 to 2009
In-house staff time
Develop hazard mitigation project ideas for the
floodproofing of control panels and lift stations.
Public Works Director; Utilities Director
2008 to 2009
In-house staff time
Evaluate all current critical infrastructure and
structures within the city to determine current
vulnerability.
Public Works Director; Utilities Director
2008 to 2010
In-house staff time
Develop priorities for infrastructure repair based on
the city's need and vulnerability analysis.
Public Works Director; Utilities Director
2008 to 2010
In-house staff time
Prearrange contracts with both local and non-local
contractors for repairs and supplies in order to
ensure that these repairs will be made as soon as
possible. Use a local contractor as the priority and
the non-local contractor as a backup if local
contractors do not have the capacity to make
repairs.
Public Works Director; City Manager's
Office; Utilities Director
2008 to 2010
In-house staff time
Stockpile any available temporary repair or
construction materials in a small warehouse for
immediate repair of public buildings following a
disaster.
Public Works Director; Utilities Director
2008 to 2010
In-house staff time
Post-Disaster
Replace all downed power line poles with
storm-proof concrete poles.
Public Works Director; Utilities Director
Immediately
In-house staff time
Form a committee comprising all cities within the
county as well as representatives from the county
and Florida Department of Transportation to
coordinate repairs to roads and other infrastructure.
Public Works Director; Utilities Director
Within 3 months
In-house staff time
Using the damage assessment, evaluate the impact
to all structures and develop hazard mitigation
projects to address the vulnerabilities of the city’s
infrastructure.
Public Works Director; Utilities Director
Within 3 monhts
In-house staff time
Develop HMGP applications for identified projects to
ensure that mitigation is included in the repair of
damaged structures through the Public Assistance
Program.
Public Works Director; Utilities Director
Within 6 monhts
In-house staff time
Use hazard mitigation funds post-disaster to relocate
fuel holding tanks away from the coastline, further
inland up to the Bay Line property at Industrial Drive
and Highway 231 with pipelines.
Public Works Director; Utilities Director
Within 1 year
In-house staff time

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 9-9
Long-Term Debris Management
Action
Committee Members Involved
Approximate
Timeframe
Funding
Considerations
Pre-Disaster
Reassess pre-determined debris management sites
to determine availability.
Public Works Director
Annually
In-house staff time
Contact all debris removal contract holders to
determine their availability and interest in renewing
their contract.
Public Works Director
Annually
In-house staff time
Finalize the city's debris management plan.
Public Works Director; City Manager's
Office
2008 to 2009
In-house staff time
Pre-designate locations for managing debris that
could become a public health concern, such as large
piles of hazardous materials, etc.
Public Works Director
2008 to 2009
In-house staff time
Determine pre-existing conditions of debris
management site in order to ensure that the parcel
will be returned to these conditions prior to closure.
Public Works Director
2008 to 2009
In-house staff time
Explore additional debris management sites to
handle the capacity of larger storms that may not be
able to be managed at the current site.
Public Works Director
2008 to 2009
In-house staff time
Explore an interlocal agreement with the county for
debris removal or locations for debris management.
Public Works Director
2008 to 2009
In-house staff time
Create public education materials on the need for
proper segregation of debris.
Public Works Director
2008 to 2010
In-house staff time
Pre-determine how the city will address abandoned
structures and unmanaged debris on private
property.
Public Works Director; City Manager's
Office
2008 to 2010
In-house staff time
Develop building material reuse and recycle drop off
points and a public education campaign to explain
the use and location of these sites.
Public Works Director
2008 to 2010
In-house staff time
Explore the possibility of inter-local and mutual aid
agreements for debris management.
Public Works Director
2008 to 2010
In-house staff time
Post-Disaster
Open pre-designated debris management sites and
provide information on their location on websites, at
Disaster Recovery Centers, etc.
Public Works Director
Immediately
In-house staff time
Provide specific instructions for debris pick-up if the
city plans to provide this service to residents.
Public Works Director
Within 1 week
In-house staff time
Re-emphasize the importance of proper debris
removal and use of building material reuse and
recycle sites through public education materials on
websites, at Disaster Recovery Centers, etc.
Public Works Director
Within 1 month
In-house staff time
After the closure of the debris management site, test
soil and groundwater conditions and take appropriate
measures to restore to conditions prior to use.
Public Works Director
Upon closure of
the site
In-house staff time
9.4 COMMUNICATIONS
Action
Committee Members Involved
Approximate
Timeframe
Funding
Considerations
Pre-Disaster
Broadcast public service announcements and
distribute brochures and posters that provide
information on post-disaster recovery and direct
interested citizens to the website.
Planning Manager; City Manager's
Office
Annually in the
Spring
In-house staff
time
Schedule a "Community Recovery and Resource
Day" where all local, state, federal, and regional
organizations as well as residents and members of
the community come together to discuss
post-disaster recovery and provide comments on
actions taken thus far.
Planning Manager; Bay County EDA
and Chamber of Commerce; Community
Development Director; City Manager's
Office
Annually in the
Spring
In-house staff
time

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Action
Committee Members Involved
Approximate
Timeframe
Funding
Considerations
Ask local news channels and radio stations to do
special segments on post-disaster recovery and the
PDRP effort and provide annual updates on the new
actions taken.
Planning Manager; Bay County EDA
and Chamber of Commerce
2008 to 2009
In-house staff
time
Establish a website to serve as the central repository
for all disaster recovery-related information and
market this website through public service
announcements, other websites, posters, brochures,
etc.
Planning Manager; City Manager's
Office
2008 to 2009
In-house staff
time
Form a speaker's bureau to present the plan to local
organization meetings such as the Chamber of
Commerce First Friday Meetings, Kiwanas, and
Rotary Clubs.
Planning Manager; City Manger's Office 2008 to 2009
In-house staff
time
Pre-designate Disaster Recovery Centers for
business owners and residents (separately) to serve
as the central location for all information regarding
recovery and redevelopment.
Planning Manager; Emergency
Management Director; Bay County EDA
and Chamber of Commerce
2008 to 2009
In-house staff
time
Identify all wireless Internet access sites available for
public use and document this information to be given
to local residents and business owners following a
disaster.
Planning Manager; Bay County EDA
and Chamber of Commerce
2008 to 2009
In-house staff
time
Hire a communications and pubic outreach specialist
to function as the disaster recovery Public
Information Officer. This position could be used for
other communication purposes as well.
City Manager's Office
2008 to 2010
In-house staff
time
Record public service announcements and create
posters and brochures on post-disaster recovery
directing citizens to visit the website for more
information.
Planning Manager; City Manager's
Office
2008 to 2010
In-house staff
time
After 2009, update the plan's Executive Summary
and distribute to congressional representatives to
inform them about the plan.
Planning Manager; City Manager's
Office
2008 to 2010
In-house staff
time
Hold a charette-style meeting to encourage public
participation during the visioning process in order to
develop strategic plans for vulnerable areas in the
community.
Planning Manager; Community
Development Director; CRA Executive
Director
2008 to 2010
In-house staff
time; Panama City
Centennial
Conversations
Initiative; possible
DCA grant
opportunities
Post-Disaster
Determine which public wireless Internet access sites
are available for use post-disaster based on the
pre-identified list and advertise these locations
through the Disaster Recovery Centers and available
media outlets.
Planning Manager; Bay County EDA
and Chamber of Commerce
Immediately
In-house staff
time
Use GIS after the damage assessment has been
completed to determine if there are any areas of
concentrated substantial damage.
Planning Manager; Bay County
Emergency Management
Immediately
upon completion
of damage
assessment
In-house staff
time
Determine specific boundaries of the area and create
maps showing the damages sustained as well as
current and future land use designations.
Planning Manager; Bay County
Emergency Management
Within 3 months
In-house staff
time
Present maps to the Panama City PDRP Executive
Committee. If the committee decides a visioning
process is necessary, gain approval from the City
Commission.
Planning Manager; Community
Development Director; CRA Executive
Director
Within 3 months
In-house staff
time
Once the area has been approved for a post-disaster
visioning process, prepare a press release that
includes a description of the area and the city's
intentions and encourages community involvement in
the redevelopment process.
Planning Manager; Community
Development Director; City Manager's
Office
Within 6 months
In-house staff
time

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | 9-11
Action
Committee Members Involved
Approximate
Timeframe
Funding
Considerations
Start a public education campaign to convey a
positive image of recovery aimed at both business
owners and residents that promotes use of the
website for more information as well as the Disaster
Recovery Centers for both businesses and residents.
Planning Manager; City Manager's
Office; Bay County EDA and Chamber
of Commerce
Within 6 months
In-house staff
time
Hold charette-style visioning workshops using the
procedures detailed in Section 8 of this plan.
Planning Manager; Community
Development Director; Bay County EDA
and Chamber of Commerce
Within 1 year
In-house staff
time; possible
post-disaster DCA
visioning funds
9.5 LOCAL POST-DISASTER FINANCING AND CAPACITY
Local Financial Reserves
Action
Committee Members Involved
Approximate
Timeframe
Funding
Considerations
Pre-Disaster
Evaluate city revenues in conjunction with the
vulnerability analysis to determine potential impacts.
Finance Director; City Manager's Office
2008 to 2009
In-house staff time
Identify bond capacity to meet potentially unmet
budget needs.
Finance Director, City Manager’s Office
2008 to 2009
In-house staff time
Confirm and document Mutual Aid Agreement with
the City of Port Orange and City of Naples
City Manager’s Office
2008 to 2009
In-house staff time
Determine if service levels of city services would be
impacted or jobs lost due to potential post-disaster
revenue decreases and how long city budget
reserves would be able to meet increased service
needs after a disaster.
Finance Director, City Manager’s Office
2008 to 2010
In-house staff time
Based on the guidebook to be completed by the
FDCA on post-disaster redevelopment funding
sources, create a matrix that matches of the needs of
the city to the available funding sources.
Finance Director
2008 to 2010
In-house staff time
Post-Disaster
Assess city financial reserves to determine if this will
be enough to cover the costs of recovery. If not,
explore solutions for augmenting this money through
loans or other sources.
Finance Director, City Manager's Office
Within 3 months
In-house staff time
Using the damage assessment and other information
provided post-disaster on extent of impacts (such as
that provided by the EDA), estimate how the city's
financial revenue sources have been impacted by the
disaster and explore possible actions necessary to
regain pre-disaster revenue and budget levels.
Finance Manager; City Manager's Office Within 6 months
In-house staff time
Using the damage assessment and other information
provided post-disaster on extent of impacts (such as
that provided by the EDA), project how the city's
financial revenue sources might be impacted by the
disaster and explore any alternative revenue sources
as well as possible actions to take to retain the
majority of these revenue sources.
Finance Manager; City Manager's Office Within 6 months
In-house staff time

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Local Capacity
Action
Committee Members Involved
Approximate
Timeframe
Funding
Considerations
Pre-Disaster
Re-adopt City Mutual Aid Agreement with the City of
Port Orange and City of Naples.
City Manager's Office
2008 to 2009
In-house staff time
Develop procedures and spreadsheets to use for all
FEMA transactions along with a filing system for all
transactions between local project managers and the
finance department.
City Manager's Office; Finance Director
2008 to 2009
In-house staff time
Conduct training sessions for all city employees that
will be involved in projects available for FEMA
reimbursement or grant funding to explain the city
procedures with regards to FEMA reimbursement
and grants management.
City Manager's Office; Finance Director
2008 to 2009
In-house staff time
Explore the Emergency Management Institute
training classes available both online and at the
National Emergency Training Center for FEMA on
disaster finance management and encourage all
employees involved to take online courses and send
the Finance Director to any training sessions
available.
City Manager's Office; Finance Director
2008 to 2009
In-house staff time
Establish one person as the Disaster Finance
Manager and require all transactions be signed off by
this person to ensure that proper documentation is
taking place. The Disaster Finance Manager will be
the central repository regarding all financial matters
during the disaster recovery process.
City Manager's Office; Finance Director
2008 to 2009
In-house staff time
Review the guidebook developed by the FDCA on
Disaster Recovery Financial Assistance (once
completed) to determine what resources would be
available to the community following a disaster and
provide this list as a part of Section 7 of this plan,
providing a reference to the guidebook.
City Finance Director; CRA Executive
Director; Bay EDA and Chamber of
Commerce;
2008 to 2010
In-house staff time
Explore the possibility of including the following
services in the City Mutual Aid Agreement with City
of Port Orange and City of Naples: debris
management, infrastructure repair, grant writing,
grant and project reimbursement management,
development review, and permitting.
City Manager's Office; Planning
Function Co-Chairs
2008 to 2010
In-house staff time
Organize a charitable organization recovery
committee to gain understanding of the services
offered by each and develop plan for how they can
be best utilized following a disaster for both residents
and business owners.
City Manager’s Office
2008 to 2010
In-house staff time
Hold meetings and begin organizing all charitable
organizations to determine how their efforts could be
best utilized following a disaster. Eventually, this
group could take over leadership with coordination
from the city and serve as a Working Group or
partner with the PDRP Executive Committee.
City Manager's Office; Finance Director
2008 to 2010
In-house staff time
Post-Disaster
Activate city mutual aid agreements as needed and
any pre-arranged contracts to augment the city's
local capacity.
Finance Director; City Manager's Office
Immediately, as
needed
In-house staff time
Meet with all local charitable organizations wishing to
contribute to the recovery and redevelopment
process to discuss pre-established procedures and
new resources that might be available.
Finance Director; City Manager's Office
Within 1 month
In-house staff time

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | A-1
Appendix A
Adoption Documentation

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | A-3
Appendix A
Adoption Documentation
City ordinance documenting plan adoption will be included
upon adoption.

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | B-1
Appendix B
Local and State Policies Related to the
Post-Disaster Redevelopment Plan

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | B-3
Florida Regulations Related to Post-Disaster Redevelopment
Florida Statutes 163.3177(7)(l)
Local governments that are not required to prepare coastal
management elements under s. 163.3178 are encouraged to adopt hazard mitigation/post-disaster
redevelopment plans. These plans should, at a minimum, establish long-term policies regarding
redevelopment, infrastructure, densities, nonconforming uses, and future land use patterns. Grants to
assist local governments in the preparation of these hazard mitigation/post-disaster redevelopment plans
shall be available through the Emergency Management Preparedness and Assistance Account in the
Grants and Donations Trust Fund administered by the department, if such account is created by law. The
plans must be in compliance with the requirements of this act and chapter 252.
Florida Statutes 163.3178(2) Each coastal management element required by s. 163.3177(6)(g) shall be
based on studies, surveys, and data; be consistent with coastal resource plans prepared and adopted
pursuant to general or special law; and contain:
(f) A redevelopment component which outlines the principles which shall be used to eliminate
inappropriate and unsafe development in the coastal areas when opportunities arise.
F.A.C. 9J-5.012 (2) Coastal Management Data And Analysis Requirements. The element shall be based
upon the following data and analyses requirements pursuant to subsection 9J-5.005(2), F.A.C.
(e) The following natural disaster planning concerns shall be inventoried or analyzed:
2. Post-disaster redevelopment including: existing and proposed land use in coastal high-hazard areas;
structures with a history of repeated damage in coastal storms; coastal or shore protection structures;
infrastructure in coastal high-hazard areas; and beach and dune conditions. Measures which could be
used to reduce exposure to hazards shall be analyzed, including relocation, structural modification, and
public acquisition.
3. Coastal high-hazard areas shall be identified and the infrastructure within the coastal high-hazard
area shall be inventoried. The potential for relocating threatened infrastructure shall be analyzed.
F.A.C. 9J-5.012 (3)(b)(8) Prepare post-disaster redevelopment plans which will reduce or eliminate the
exposure of human life and public and private property to natural hazards;
F.A.C. 9J-5.012 (3)(c)(5)
Post-disaster redevelopment including policies to: distinguish between
immediate repair and cleanup actions needed to protect public health and safety and long-term repair and
redevelopment activities; address the removal, relocation, or structural modification of damaged
infrastructure as determined appropriate by the local government but consistent with federal funding
provisions and unsafe structures; limiting redevelopment in areas of repeated damage; and, policies for
incorporating the recommendations of interagency hazard mitigation reports, as deemed appropriate by
the local government, into the local government’s comprehensive plan when the plan is revised during the
evaluation and appraisal process;
F.A.C. 9J-5.012 (3)(c)(6)
Identifying areas needing redevelopment, including eliminating unsafe
conditions and inappropriate uses as opportunities arise;

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Panama City Comprehensive Plan Goals Objectives and Policies that relate to PDRP
Future Land Use Element
GOAL: PROVIDE THE FISCAL AND REGULATORY CONDITIONS NECESSARY TO
PROTECT THE HEALTH, WELFARE, SAFETY AND QUALITY OF LIFE OF CITY CITIZENS
CONSISTENT WITH CONTINUED ECONOMIC DEVELOPMENT AND PRIVATE PROPERTY
RIGHTS AND; ESTABLISH A DEFINED PATTERN OF LAND USE INTENDED TO GUIDE THE
PROVISION OF PUBLIC FACILITIES AND PROVIDE PREDICTABILITY IN MANAGING
DEVELOPMENT.
Policy 1.1.1, 7(a): [Special Industrial District (SI)] Intent – The intent of this district is to provide
areas for the location of industrial operations while at the same time providing protection for
environmentally sensitive areas.
Policy 1.1.1, 7(d): The following criteria and guidelines shall apply to development in the Special
Industry District.
(1) Streams, creeks, and other high-quality wetlands shall be protected and conserved
and designated as “Special Development” on the Future Land Use Map.
Development in areas designated “Special Development” shall be limited to road,
rail, and utility crossing, and/or similar development. Such crossings should be
located in areas which minimize the impacts to high-quality wetlands and provide for
uninterrupted water flow between such wetlands.
Policy 1.1.1, 10(1): Conservation Special Treatment Zone (CSTZ) – The CSTZ includes
potential wetland areas, flood zones as identified on FEMA Flood Insurance Rate Maps for
Panama City and seagrass beds within City jurisdiction. Designation of areas within this zone is
not intended to prohibit or preclude development activity but rather provide an indicator that
environmental features may be present which require special permits or special construction
practices. Protection measures are specified in Policies 1.1.4, 5.1.3, and 6.6.2.
Policy 1.1.1, 10(4): Redevelopment/Revitalization Special Treatment Zone (RSTZ) – The RSTZ
includes areas which, by the nature of their physical attributes, transitional or blighted conditions
or other associated circumstances, are considered target areas for redevelopment/revitalization
efforts. The RSTZ is specifically intended to provide opportunities and incentives for the
redevelopment/revitalization of selected areas.
Policy 1.1.4: The City will undertake measures to protect and conserve environmentally
sensitive land within the “Conservation Special Treatment Zone.” Detailed and specific
standards will be included in the land development regulations which at a minimum, will
address:
1. Protection of identified wetlands as specified in Policy 6.6.2,2 of this Plan.
2. Refer developers of property suspected of containing jurisdictional wetlands to the
Department of Environmental Protection, and reserve development approval until
such time as jurisdictional interpretations and appropriate permits are obtained.
3. Prohibit or restrict development activities in areas identified as containing isolated
wetlands which are not under DEP jurisdiction, until such time as jurisdictional
permits are obtained from the U.S. Army Corps of Engineers.

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | B-5
4. Prohibit construction of docks, piers, wharves and other similar structures in water
bodies under City jurisdiction, unless approvals are obtained from other jurisdictional
agencies.
5. Coordinate with DEP on permits for development which would permanently damage
or destroy seagrass beds.
6. Establish a minimum 30-foot setback line for construction along the estuarine
shoreline.
7. Ensure that provision of the Flood Damage Prevention Ordinance are vigorously
enforced.
8. The City will undertake measures to reduce stormwater pollution into surface waters.
At a minimum, these measures will include: 1) Requiring that developers obtain
stormwater permits pursuant to Ch. 17-25, FAC; 2) Reducing the potential for soil
erosion and sedimentation as specified in Policy 6.6.2; 3) Maintaining the adopted
level of service established in Subsection 4(c)1., and; 4) undertaking drainage
projects to be determined as a result of the revised Master Drainage Plan.
Policy 1.2.1: The City will administer land development regulations for implementation of the
Comprehensive Plan. At a minimum these regulations will:
1. Protect the Conservation-Protected lands designated on the Future Land Use Map
and in the Conservation Element (Policy 6.6.2) through the provision of or reference
to specific and detailed requirements which will include, but not be limited to,
protection or conservation of environmentally significant resources, standards for
development in areas containing such resources, coordination on permits from
appropriate regulatory agencies, mitigation of environmental impacts and other such
relevant requirements intended to provide reasonable protection of natural resources
in consideration of landowner’s constitutional property rights.
2. Regulate areas subject to seasonal and periodic flooding and provide for drainage
and stormwater management through provision of or reference to specific and
detailed requirements which will include but not be limited to, standards for
construction in designated flood-prone areas, standards for design or drainage and
stormwater management facilities, measures to protect drainageways and drainage
conveyance systems, and other such relevant requirements;
Objective 1.3: Provide flexibility in the ongoing approval process so as to encourage the
redevelopment or renewal of blighted or unsightly areas.
Policy 1.3.1: The City will coordinate with developers of areas considered to be blighted or
unsightly. Such coordination may include, but not be limited to: provision of public facilities;
relaxation of regulatory standards; tax incentives; development agreements or other actions
taken through the Community Development Department as part of the Community Development
Plan.
Policy 1.3.2: The City will use code enforcement and its land development regulations to reduce
eyesores, junk, substandard housing or unsafe buildings.
Objective 1.5: Coordinate coastal area population densities with adequate capability for
hurricane evacuation. Adequate capability will be maintaining existing evacuation times and
maintaining level of service standards on roadways as specified in the Traffic Circulation
Element of this Plan and as specified in the Bay County Peacetime Emergency Plan.

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Policy 1.5.1: The City will limit the density of dwelling units in the coastal area so as not to
exceed hurricane evacuation capabilities within the City’s jurisdiction. This will be accomplished
as part of the development review process.
Policy 1.5.2: The City will prohibit the location of hospitals, nursing homes, convalescent homes
or other similar high-density institutions in the hurricane evacuation zone.
Objective 1.12: Require that all proposed development/redevelopment activities are designed
and constructed in conformance with detailed and specific standards to be established in the
land development regulations, and as specified in Policy 6.6.2 of this Plan.
Policy 1.12.1: The City will maintain an ongoing program of stormwater management including
both regulation and capital improvements. Stormwater regulations will rely largely upon existing
laws and rules for permitting criteria.
Policy 1.12.2: The City will coordinate with Bay County and adjacent municipalities to establish
a basin-wide, inter-jurisdictional approach to stormwater management.
Policy 1.12.3: The City will carefully evaluate all proposed development/redevelopment activities
located in the Conservation areas designated on the Future Land Use Map for potential impacts
on flooding, drainage or damage to natural resources.
Policy 1.12.4: The City will maintain buffers and building setbacks for areas adjacent to
drainageways as part of its land development regulations.
Objective 1.5: Stimulate revitalization and redevelopment of blighted areas.
Policy 1.15.1: The City will continue to encourage revitalization and redevelopment of blighted
areas through appropriate State and Federal assistance programs.
Policy 1.15.2: The City will promote redevelopment/revitalization efforts through administration
of its land development regulation and capital improvements planning, Special Treatment
Zones, and efforts of the Community Redevelopment Agency.
Policy 1.16.2: Land uses or structures which do not conform to the provisions of this Plan on the
date of plan adoption will be considered non-conforming. Such land uses or structures will be
allowed to remain in non-conforming condition, including ordinary repair and maintenance until:
1) the land use or structure is discontinued or abandoned for a period of six (6) months or more;
2) the land use or structure is extended, modified or expanded; or 3) the structure is damaged to
the extent of fifty (50) percent or more of its replacement cost. Any non-conforming land use or
structure may be expanded, modified, extended or re-built with approval of the City Commission
on a case-by-case basis.
GOAL: PROMOTE AN ECONOMIC CLIMATE WHICH PROVIDES ECONOMIC STABILITY,
MAXIMIZES JOB OPPORTUNITIES, AND INCREASES PER CAPITA INCOME FOR CITY
AND COUNTY RESIDENTS.

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | B-7
Objective 1.17: Continue to increase the number of industrial/manufacturing jobs.
Policy 1.17.1: The City will use its land use designations and placement of public facilities to
attract new job-producing industries, corporate headquarters, distribution and service centers,
regional offices, and research and development centers for Bay County residents.
Policy 1.17.2: The City will coordinate with the Bay County Chamber of Commerce, the
Economic Development Alliance and the Panama City Port Authority on expansion of on-going
efforts to attract new business and industry to Bay County.
Policy 1.17.3: The City will use its Future Land Use Map to identify potential industrial parks and
business/commercial locations.
Policy 1.17.4: The City will designate additional areas on its future land use map for industrial
land uses to encourage economic development
Policy 1.17.5: The City will use industrial and commercial land use designations and provisions
of public facilities to increase small business and industry expansion, aggressive industry
recruitment, and encourage foreign investment.
Policy 1.17.6: The City will coordinate its comprehensive planning and land development
activities with the Panama City Port Authority so as to expand deep water trade at Port Panama
City.
Objective 1.18: Continue to achieve an annual increase in employment
Policy 1.18.1: The city will use Policies 1.17.1 – 1.17.6 to attract new employment opportunities.
Policy 1.18.2: Identify and attract industries with growth potential.
Policy 1.18.3: Utilize economic enhancement programs with private business to develop job
opportunities.
Policy 1.18.4: Expand downtown revitalization and other redevelopment programs for job
creation and retention.
Policy 1.18.5: Expand industry involvement in planning and designing training programs and
vocational curricula.
Policy 1.18.6: Develop industries that can utilize military retirees.
Housing Element
Objective 3.2: Provide for the elimination of substandard housing units
Policy 3.2.1: The City will continue its efforts through the Community Development Department
to eliminate substandard housing conditions.
Policy 3.2.2: The City will enforce the provisions of Sec. 19-3, Code of Ordinances to identify
condemn and demolish unsafe structures for which rehabilitation is not feasible.

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Policy 3.2.3: The City will assist in the relocation of households displaced by demolition
activities through referrals and placements in public housing or subsidized housing.
Policy 3.2.4: The City will assist in the relocation of households displaced by community
development activities as specified in the “Section 8 Tenant Assistance Policy, Chapter XII –
Temporary Relocation.” Or the “Relocation Plan for Community Development Activities” and
Residential Antidisplacement and Relocation Assistance Plan Under Section 104(d) of the
Housing and Community Development Act of 1974, as Amended document.
Policy 3.2.5: The City will, in conjunction with the Bay County Building Department, enforce the
provisions of the building, plumbing and electrical codes for all new or redeveloped building in
the City.
Policy 3.8.1: The City will provide assistance through the Community Development Department
for households needing relocation as a result of rehabilitation of community development
activities. The form of assistance provided will be based on the provisions of Policy 3.2.4.
Policy 3.9.1, Short-Term Objective (3): Rehabilitation Program – Provide financial assistance in
the form of direct loans, grants, loan guarantees, interest subsidies, mortgage refinancing or
combinations thereof to provide for the rehabilitation of substandard owner and renter occupied
primary residential and nonresidential properties.
Utilities Element
GOAL: PROVIDE A DRAINAGE PROGRAM WHICH WILL REDUCE STORMWATER
POLLUTION AND PROVIDE REASONABLE PROTECTION FROM FLOOD DAMAGE TO
PUBLIC AND PRIVATE PROPERTY.
Policy 4.C.1.1: The City will use general funds to revise the Master Drainage Plan.
Policy 4.C.1.4: Priorities for replacement, correcting existing facilities deficiencies and providing
for future needs will be as follows in priority order:
1. Correction of drainage problems which cause flood damage to public and private
property.
2. Correction of problems or improvement of facilities which are intended to reduce
sedimentation in bays, bayous, and lakes.
3. Replacement of damaged or obsolete facilities;
4. Maintenance of facilities which are not operating at design efficiency
5. Regulation of new development to avoid future drainage and stormwater problems.
Objective 4.C.2: The City will maintain provisions for stormwater management in its land
development regulations.
Policy 4.C.2.1: The City will regulate new development and redevelopment in a manner which
requires stormwater impacts on drainage facilities and natural resources. Detailed and specific
regulations will be included in the land development regulations which provide for: buffer zones
for drainageways, design standards for stormwater facilities, on-site retention standards,
compliance with state stormwater rules and other similar provisions.

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | B-9
Objective 4.C.3: Reduce the volume of stormwater and sediment entering the estuarine system
so as to protect natural drainage features.
Policy 4.C.3.1: the City will give priority status to drainage projects which reduce stormwater
sedimentation in the estuarine system, particularly lakes and bayous.
Objective 4.C.4: Provide stormwater management and drainage control through a combination
of regulatory measures and capital improvements.
Policy 4.C.4.1: The City will undertake a balanced program of regulation and capital
improvements to reduce drainage problems within the city.
Policy 4.C.4.2: The City will coordinate with adjacent municipalities, Bay County and
state/federal agencies to promote efficiency on drainage projects of mutual interest.
Objective 4.C.5: Reduce the potential for damage to public and private property caused by
flooding.
Policy 4.C.5.1: The City will use its “Conservation” land use category and its Flood Damage
Prevention Ordinance to reasonably reduce the potential for flood damage to public and private
property.
Coastal Management Element
(1) Purpose
To plan for and where appropriate restrict development activities where such activities would
damage or destroy coastal resources; and to protect human life and limit public expenditures in
areas subject to destruction by natural disaster.
GOAL: MAINTAIN THE QUALITY OF COASTAL RESOURCES BY RESTRICTING
DEVELOPMENT ACTIVITIES WHICH DAMAMGE OR DESTROY COASTAL RESOURCES.
Objective 5.1: The City will maintain regulatory or management techniques intended to protect
coastal wetlands, living marine resources and wildlife habitat.
Policy 5.1.1: Development activities which have the potential to damage or destroy coastal
resources are considered to be: 1) dredge and fill operations in wetlands or seagrass beds; 2)
construction of piers, docks, wharves or other similar structures which extend into the water
from the shoreline; 3) removal of shoreline vegetation; and, 4) discharge of non-point source
pollutants into estuaries.
Policy 5.1.2: The City will evaluate the impacts on coastal resources caused by development
activities as a part of its impact measuring system. Such evaluation will include, location and
sensitivity of coastal resources as well as specific design standards or construction practices
intended to protect coastal resources.
Policy 5.1.3: The City will limit specific and cumulative impacts upon coastal wetlands, water
quality, wildlife habitat and living marine resources using the following regulatory and
management techniques:

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1. Protection of identified wetlands as specified in Policy 6.2.2, 2 of this Plan
2. Reserve approval of development permits until all applicable permits are obtained by
developers from jurisdictional agencies.
3. Prohibit construction of docks, piers, wharves or similar structures for areas under
City jurisdiction, unless specifically approved by the City Commission.
4. Coordinate with DEP to restrict construction activities which would permanently
damage seagrass beds, oyster reefs or other living marine resources, unless
appropriate mitigation measures are undertaken.
5. Establish a 30 foot estuarine setback line provision in the land development
regulations, including restrictions on the removal of shoreline vegetation.
6. Reserve approval of development permits until stormwater discharge permits are
obtained pursuant to Chapter 17-25, FAC.
Policy 5.1.4: The City recognizes the inherent conflict between coastal resource protection and
the expansion of existing industrial land uses. Expansion of such facilities may be approved by
the City Commission when appropriate mitigation measures are taken.
Objective 5.2: Undertake measures to maintain and improve estuarine environmental quality.
Policy 5.2.1: The City will require that all applicable permits are obtained from jurisdictional
agencies prior to issuing its development approval, and will include such provisions in its land
development regulations.
Policy 5.2.2: The City will require that development undertaken in the coastal area be designed
and constructed so as to reduce stormwater discharges and sedimentation as specified in
Policies 1.1.4, 5.1.3 and 6.6.2.
Policy 5.2.3: The City will undertake drainage improvements, based on engineering data
intended to improve the quality of stormwater discharged into the estuarine system.
Policy 5.2.4: The City will require mitigation of damage to coastal resources caused by
development activities when such activities meet the requirements of Rules 17-312, Part III,
FAC.
Policy 5.2.5: The City will coordinate with state agencies and Bay County to protect North Bay
and St. Andrews Bay by reviewing and commenting upon applicable sections of their respective
comprehensive plans, and by assuring that all applicable permit requirements are met.
Objective 5.3: The City will use the criteria for prioritizing shoreline uses specified in Policy
5.3.1.
Policy 5.3.1: The City recognizes the need to establish the public interest in achieving a balance
between competing waterfront land uses and the limited amount of shoreline available for such
uses. When making decisions concerning designation of land use districts, approval of plan
amendments or issuance of development approvals involving competing shoreline land uses the
City will choose the following land uses in priority order, using 1 as the highest priority.
1. Water- dependant land uses, including water dependant conservation or recreation
uses.
2. Water-related land uses;
3. Land uses for which a definitive public purpose has been established; and

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4. Other land uses which are not water-dependant or related including residential,
commercial, institutional, or industrial.
Policy 5.3.2: Specific and detailed provisions for the siting of marinas will be maintained in the
land development regulations. Such provisions will include the following criteria:
1. Demonstration of the presence of sufficient upland area to accommodate parking,
utility and support facilities;
2. Provide public access;
3. Lie outside areas identified as inappropriate for marina development in the Marian
Siting Study for West Florida (West Florida Regional Planning Council; June 1984)
unless appropriate mitigating actions are taken.
4. Demonstrate oil spill cleanup capability within boundaries of the leased area;
5. Provide a hurricane mitigation and evacuation plan;
6. Designate future upland spoil site(s) for maintenance dredging activities;
7. Be located in proximity to natural channels so that minimum or no dredging will be
required for provision of docking facilities.
8. Have available adequate sewage treatment facilities to serve the anticipated volume
of waste. Marinas with fueling facilities will provide pump-out facilities at each fuel
dock. Commercial marinas and those with live-aboard overnight transient traffic will
provide upland sewage facilities and prohibit inappropriate sewage pump out.
9. Maintain water quality standards as provided by Chapter 403, Florida Statutes;
10. Locate in areas having adequate water depth to accommodate the proposed boat
use without disturbance of bottom habitats;
11. Delineate immediate access points with channel markers that indicate speed limits
and any other applicable regulations;
12. Be sited in appropriate zoning districts;
13. Locate in areas away from seagrass beds, oyster reefs and other important fish and
shellfish spawning and nursery areas;
14. Demonstrate that it meets a public need thereby demonstrating economic
viability/feasibility.
Objective 5.4: The City will maintain measures in its land development regulations providing
standards which protect beach systems from the impacts of man-made structures.
Policy 5.4.1: The City will provide specific and detailed provisions for protection of beach
systems in its land development regulations. Such provisions will include setbacks from the
shoreline for non-water dependant structures, required construction practices, and coordination
of permitting with appropriate jurisdictional agencies.
GOAL: REDUCE THE RISK OF HURRICANE RELATED DAMGE TO LIFE AND PROPERTY
Objective 5.5: Maintain or reduce hurricane evacuation times.
Policy 5.5.1: The City will coordinate with and assist Bay County in the implementation of the
County Peacetime Emergency Plan by providing police and fire department support personnel
during emergencies.
Policy 5.5.2: The City will use its land development regulations to prohibit the location of
hospitals, nursing homes and other similar structures in the 100-year flood zone.

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Policy 5.5.3: The City will identify and maintain a list of elderly, handicapped or infirmed persons
that might require special evacuation assistance.
Objective 5.6: Maintain procedures which will reduce the exposure of human life and public and
private property to hurricane-related hazards.
Policy 5.6.1: All habitable structures will be designed and constructed in conformance with the
City’s Flood Damage Prevention Ordinance.
Policy 5.6.2: The City will not locate infrastructure facilities, except for water-dependant facilities,
in the 100-year flood zone.
Policy 5.6.3: Post-disaster redevelopment will be undertaken in conformance with the City’s
Flood Damage Prevention Ordinance of this Plan, including attendant land development
regulations.
Policy 5.6.4: When undertaking post-disaster redevelopment activities development permits
may be waived for short-term recovery measures such as:
1. Damage assessment to meet post-disaster assistance requirements
2. Removal of debris
3. Emergency repairs to streets, water, electricity or other associated utilities to restore
service;
4. Public assistance including temporary shelter or housing.
Policy 5.6.5: Long-term redevelopment activities will require approval of development permits
and be consistent with this plan. These activities include:
1. Repair or restoration of private residential or commercial structures with damage in
excess of 50% market value;
2. Repair or restoration of docks, seawalls, groins, or other similar structures;
3. Non-emergency repair to bridges, highways, streets or public utilities.
Policy 5.6.6: When reviewing permits for post-disaster redevelopment activities the City will
evaluate hazard mitigation measures including:
1. Relocation of structures
2. Removal of structures
3. Structural modification of buildings to reduce the risk of future damage.
Policy 5.6.7: The City will use specific regulatory and management techniques for general
hazard mitigation including:
1. Regulation of construction practices in flood-prone areas as specified in the City’s
Flood Damage Prevention Ordinance.
2. Providing specific and detailed standards in the land development regulations for
shoreline construction including provisions for building setbacks, removal of
vegetation, and construction seaward of the mean high-water line;
3. Use of the stormwater pollution abatement standards found in Chapter 17-25, FAC.

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | B-13
4. Location of sewer facilities outside flood-prone areas or floodproofing of such
facilities to prevent flood damage in accordance with FEMA construction standards;
and
5. Limiting residential densities in areas subject to hurricane evacuation.
Policy 5.6.8: The City will incorporate applicable future recommendations of the interagency
Hazard Mitigation Report into this Plan. Specific inclusion of recommendations pertaining to
zoning, densities and building practices will be undertaken as plan amendments.
Policy 5.6.9: As part of the post-disaster redevelopment process the City will structurally modify
or remove infrastructure facilities which have experienced repeated storm damage.
Policy 5.6.10: The City will maintain existing evacuation times by limiting the density and
intensity of land uses, except for water-dependant land uses, in the Category 3 evacuation zone
to existing densities and intensities, and by maintaining level of service standards on evacuation
roadways. These measures will be incorporated into the County Peacetime Emergency
Management Plan upon its next revision.
Policy 5.8.1: Capacity of public facilities will be estimated using the level of service standards
presented in the Traffic Circulation, Utilities, and Recreation and Open Space Elements of this
Plan. No development will be permitted in the coastal area unless public facilities and service
are available concurrent with the impacts of development or phased to coincide with the
demands generated by development or redevelopment.
Policy 5.8.2: The City will not increase the capacity of infrastructure facilities in coastal areas
subject to destruction by hurricanes, except for water-dependant facilities.
Objective 5.9: Provide ongoing and effective coordination with the Panama City Port Authority
on the orderly development and use of the Port of Panama City. At a minimum, such
coordination will include measures specified in Policy 5.9.1 to resolve problems in
transportation, land use, natural and man-made hazards, and protection or natural resources.
Policy 5.9.1: The City will use the following measures to coordinate with the Panama City Port
Authority on the orderly development and use of Port Panama City:
1. Natural and Man-made Hazards. The City will require general hazard mitigation at
Port Panama City including: enforcement of the provisions found in the Flood
Damage Prevention Ordiance; providing specific and detailed provisions for
waterfront construction and building setbacks from the shoreline; requiring
stormwater permits pursuant to Chapter 17-25, FAC and limiting storage or transfer
of hazardous materials on port property.
2. Protection of Natural Resources. The City will support protection of natural
resources in or adjacent to port property as specified in Section VIII.-10, Objectives
1.1 – 1.3 and Policies 1.1.1 - 1.3.1 of this Plan.
Coastal Management Element, Port Master Sub-Element
Policy 1.2.2: The Port Authority shall restore or enhance coastal resources which may be
destroyed or significantly damaged by in-water development activities through mitigation
measures specified as permit conditions.

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GOAL 2: REDUCE EXPOSURE OF HUMAN LIFE AND PROPERTY TO DESTRUCTION BY
NATURAL HAZARDS THROUGH HAZARD MITIGATION AND ADEQUATE HURRICANE
EVACUATION MEASURES.
Objective 2.1: Locate, design and construct buildings and facilities in a manner which will
mitigate hazards from natural disasters and reduce exposure of life and property from harm.
Policy 2.1.1: Habitable, non-residential buildings located in the defined “A” flood zone shall be
designated and constructed so as to reduce the potential for flooding and wind damage.
Policy 2.1.2: All structures located within the defined “A” flood zone as shown on Flood
Insurance Rate Map Panel Number 120012 005 D shall be constructed in accordance with
provisions specified in the City’s Flood Damage Prevention Ordinance.
Policy 2.1.3: All buildings shall be designed and constructed in accordance with the Standard
Building Code, 1988 Edition or as approved by the City.
Policy 2.1.4: All buildings and parking areas shall be designed and constructed in accordance
with provisions of Rule 17-25, FAC and be capable of attenuating a 25-year, critical duration
rainfall event.
Objective 2.2: Upon adoption of this Plan, maintain or reduce hurricane evacuation times
through the support of roadway improvements and coordination with Bay County Emergency
Management.
Policy 2.2.1: The Port shall adopt a hurricane evacuation contingency plan which supports the
Bay County and Panama City Emergency Plans.
Policy 2.2.2: The Port Authority shall participate on the MPO so as to effect improvements to
roadways which will improve hurricane evacuation times.
Objective 2.3: Utilize defined post-disaster redevelopment procedures to reduce or eliminate
exposure of human use and property to natural hazards.
Policy 2.3.1: Post-disaster redevelopment shall be undertaken in conformance with the City’s
Flood Damage Prevention Ordinance and this Plan, including attendant land development
regulations.
Policy 2.3.2: When undertaking post-disaster redevelopment activities development permits
may be waived for short-term recovery measures such as:
1. Damage assessments to meet post-disaster assistance requirements;
2. Removal of debris;
3. Emergency repairs to streets, water, electricity or other associated utilities to restore
service;
Policy 2.3.3: Long-term redevelopment activities shall require approval of development permits
and be consistent with this Plan. These activities include:
1. Repair or restoration of private residential or commercial structures with damage in
excess of 50% market value;

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | B-15
2. Repair or restoration of docks, seawalls, groins, or other similar structures;
3. Non-emergency repair to bridges, highways, streets or public utilities.
Policy 2.3.4: When reviewing permits for post-disaster redevelopment activities the City will
evaluate hazard mitigation measures including:
1. Relocation of structures
2. Removal of structures
3. Structural modification of buildings to reduce the risk of future damage.
Policy 2.3.5: The Port Authority shall incorporate applicable future recommendations of the
Interagency Hazard Mitigation Report into this sub-element. Specific inclusion of
recommendations pertaining to building practices will be undertaken as plan amendments.
Policy 2.3.6: As part of the post-disaster redevelopment process the Port Authority shall
structurally modify or remove infrastructure facilities which have experienced repeated storm
damage.
GOAL 3: MAINTAIN, ENHANCE AND PROMOTE THE ONGOING ECONOMIC
DEVELOPMENT OF PORT PANAMA CITY AND INDUSTRIAL PARK THROUGH A
COORDINATED PROGRAM OF MAINTENANCE AND EXPANSION PROJECTS.
Conservation Element
Policy 6.6.2: The City will protect and conserve the natural functions of existing soils, wetlands,
marine resources, wildlife habitat, flood zones and estuaries by enforcing the guidelines
established in its land development regulations.
Policy 6.6.2, 3(b): Estuarine Shoreline – No development or construction activity will be
permitted within thirty (30) feet of the mean high tide line of any estuarine water body. Within
this restricted area, all natural shoreline vegetation will be preserved for a distance of twenty
(20) feet landward form the mean high tide line, except for a cleared corridor not to exceed
fifteen (15) feet in width to provide access to the water.
Policy 6.6.4: The intent and policy of the City will be to maintain, conserve, protect, enhance and
appropriately utilize wetlands within the City, recognizing the rights or individual property owners
to use their lands in a reasonable manner as well as the rights of all citizens of the City to the
protection of natural resources of the City, including the natural wetland hydrologic cycles and
ecologic systems.
The City recognizes an important public interest in wetlands which perform physical and
ecological functions, including:
1. Natural storage and conveyance of rainwater.
2. Temporary storage of surface waters during times of flood, regulating flood
elevations and timing, velocity and rate of flood discharges.
Policy 6.6.5: Wetlands in the City, including those which are designated on the future land use
map series, and those that are part of the conservation special treatment zone will be subject to
the following protection measures. The identification of any wetlands on the future land use
map and conservation zone are presumptive only and must be specifically identified and

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delineated as set forth below. Wetlands will be designated for appropriate low impact land uses
which will insure the protection of functionally valuable wetlands and to integrate them into the
natural stormwater system and the master stormwater management plan for the watershed.
Policy 6.6.5, 3(c): Development Restrictions. In addition to the development restrictions
otherwise required under the Plan, including those required in the conservation special
treatment zone, any development proposed in a wetland area will be restricted in relation to its
functional value. Wetlands of high functional value will be preserved in accordance with Policy
6.6.6.1; wetlands of moderate and low functional value will be incorporated into the surface
water management system where practicable, with restrictions in accordance with Policy
6.6.6.2(c) for commercial use and Policy 6.6.6.2(a) for residential use. Those areas contiguous
to high or moderate functional wetlands which have a reasonable chance to become
reestablished will be carefully considered in terms of impacting adjoining communities.
Capital Improvements Element
Policy 9.1.2: When evaluating the need for capital improvements the City will use the following
criteria:
1. Elimination of public health and safety hazards

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | B-17
Bay County LMS Excerpts Relating to Panama City, FL
Impacts of Naturally Occurring Hazards for Panama City, FL:
▪ Coastal Storm – common impacts include high wave action, higher than normal tidal
action and commonly cause undermining of structures and loss of beaches.
▪ Flood – common impacts include loss of ingress/egress for life safety,
contamination/disease from septic tanks and effluent contact. Loss of potable water
wells, drowning, collapse of structures, undermining of roads, bridges, and other critical
infrastructure.
▪ Hurricane – common impacts include extremely high winds >74 MPH, extreme
pressures that wreck havoc on structures, vehicles and generally any unsecured and
often times secured objects including trees, vehicles, people, pets. Often including
lightning, hail, coastal surges, coastal erosion, dam failure, flooding through-out lower
lying areas.
▪ Tornado – common impacts caused by what is termed as nature’s most violent storms
include catastrophic structure damage to buildings, trees, power lines, life safety, mobile
homes, and vehicles. Usually associated with or caused by thunderstorms and
hurricanes. Can include torrential downpours, flooding, lightning, dramatic decreases in
temperature and barometric pressures. Can cause loss of power which can lead to
other catastrophic health safety issues for those outside the areas directly impacted.
Down power lines can cause electrocution. Can propel objects such as vehicle, homes,
people, and even large trees, sometimes hundreds of feet.
▪ Wildfire – common impacts are uncontrolled devastation to life, improved property,
vegetation smoke and smoke inhaled injuries. Can lead to erosion, landslides, and
water pollution to eco-systems
▪ Windstorm – common impacts include loss of power. May include tornadoes, lightning,
topple trees, damage to improved structures. (p. 15)
A list of all critical facilities including addresses has been included following the above table.
This is considered confidential information. Not for public disclosure. The following types of
critical facilities exist in Panama City:
▪ Health care facilities
▪ Community utility facilities
▪ Designated hazardous materials facility
▪ Key transportation facility or routes
▪ Government offices
▪ Emergency Services buildings
▪ Schools
A vulnerability assessment has been completed for each of the critical facilities and a score
assigned to each facility. Confidential--Not for public disclosure.
The following information can be found in the jurisdictional hazard mitigation plan for Panama
City, FL:
▪ Designated Panama City Representatives on the Bay County Mitigation 20/20 Task
Force are Ron Morgan and Ron Thomasson.

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Current Land Uses and Potential for New Development
Current Land Use Categories
Percent of Jurisdiction
Commercial
24%
Developed with mixed uses
17%
Industrial
11%
Institutional (education, health care, etc.
3%
Parks/restricted wild land/wildlife refuge
2%
Residential
8%
Transportation or utility right-of-way
11%
Vacant/unused- government ownership
1%
Vacant/unused – private ownership
1%
Waterway/lake/wetland
8%
Agricultural
14%
16% of the jurisdiction remains to be developed (5.512 square miles).
Future Land Uses and General Development Trends
Future Land Use Categories
Percent of Jurisdiction
Commercial
25%
Developed with mixed uses
27%
Industrial
11%
Institutional (education, health care, etc.)
3%
Parks/restricted wild land/wildlife refuge s 7%
Residential
8%
Transportation
11%
Waterway/lake/wetland
8%
The current rate of development of vacant or unused land is: Rapidly or somewhat faster than
expected.
Development/Redevelopment Currently Controlled By:
o A building code
o A land use plan
o A zoning code
o Flood Ordinance
o Fire-Structural Ordinance

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | B-19
Hazard
Hazard
Vulnerability
Rating
Estimated Extent of Impact
High Winds
50
Over 75% of developed area impacted
Flooding
40
Less than 75% of developed area impacted
Storm surge, Tsunami 40
Less than 75% of developed area impacted
Loss of Electrical
Service
28
Over 75% of developed area impacted
Loss of Water Service 24
Over 75% of developed area impacted
Loss of Sewer Service 24
Over 75% of developed area impacted
Civil Disturbance
20
Less than 25% of developed area impacted
Telecommunications 16
Over 75% of developed area impacted
Loss of Gas Service
12
Less than 50% of developed area impacted
Severe Winter Storm 12
Less than 25% of developed area impacted
Terrorism
12
Over 75% of developed area impacted
Lightning
12
Less than 25% of developed area impacted
Radiological
10
Over 75% of developed area impacted
Hazardous Materials 10
Over 75% of developed area impacted
Major Fire-Urban
6
Less than 25% of developed area impacted
The City of Panama City is a current participant in the NFIP program as well as the CRS
program with a current CRS Rating of 7.
Mitigation Initiatives Currently Proposed for the City:
12th Street & Wilson Drainage Improvements: To improve drainage around Bay High School and
surrounding homes and businesses.

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Bay County Comprehensive Emergency Management Plan Excerpts Related to
the Post-Disaster Redevelopment Plan
▪ Purpose: To minimize loss of life, suffering and property damage resulting from any
natural, peacetime emergency, and nuclear attack. The plan predetermines, to the
extent possible, actions to be taken by Bay County and its municipalities to prevent such
acts, to reduce the vulnerability of such acts, and provide for the recovery in the
aftermath of disasters through the four phases of emergency management. (BP-2)
▪ Economic Profile: There are approximately 145 manufacturing establishments in the
County, producing diverse products such as paper, chemicals, boats, asphalt, metal
fabrications, fiberglass fixtures, and other items. Forest products and related industries
are also important to the economy of the county. (BP-17)
▪ Levels of Disaster:
o Minor Disaster: A minor disaster that is likely to be within the response
capabilities of local government and result in only minimal need for State or
Federal Assistance.
o Major Disaster: Defined under P.L. 93-288, any natural catastrophe, including
any hurricane, tornado, storm, flood, high water, wind-driven water, tidal wave,
tsunami, earthquake, volcanic eruption, landslide, mudslide, snowstorm or
drought), or, regardless of cause, any fire, flood, or explosion, in any part of the
United States, which in the determination of the President, causes damage of
sufficient severity and magnitude to warrant major disaster assistance under this
Act to supplement the efforts and available resources of States, local
governments, and disaster relief organizations in alleviating the damage, loss,
hardship or suffering caused thereby.
o Catastrophic Disaster: A disaster that will require massive State and Federal
assistance, including immediate military involvement. For the purpose of this
plan, a catastrophic disaster is defined as an event that results in large number of
deaths, and injuries; causes extensive damage or destruction of facilities that
provide and sustain human needs; produces an overwhelming demand on State
and Local response resources; and severely affects State, local and private
sector capabilities to begin and sustain activities. (BP-19)
▪ Local government has negotiated mutual aid agreements with other local governments
(i.e. municipalities), special districts, and voluntary organizations. Bay County
departments and agencies have the expertise, resources, specific plans and procedures
in place to be utilized in relieving emergency or disaster related problems. (BP-19)
▪ Executive Section: Responsible for providing political representation and inputs for the
decision making process to the IC. Additionally this section is made up of two divisions:
the County Division and the Municipal Division. The County Division consists of
members of the Bay County Board of Commissioners, the County Administration
officials, the County Attorney, and the County Clerk. The Municipal Division consists of
representation from the eight municipalities. These are the senior personnel empowered
with specific decision making authority for the municipality which they serve. (BP-21)
▪ The alternate EOC for Bay County is the Florida Highway Patrol Facility located at
CR 2321 just off of SR 231. (BP-21)

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | B-21
▪ Long-term recovery from a disaster may go on for years until the entire disaster area is
completely redeveloped, either as it was in the past or for entirely new purposes that are
less disaster-prone. See responsibility matrix page [Missing] (BP-23)
▪ Departments of the County Government are shown in the Bay County Organizational
Chart, Annex III, p. 5. [Missing p. 3-7 of Annex] (BP-23)
▪ Municipal Support: County actions do not change a great deal in emergency operations.
Each municipality has instructed their departments they work under the direction of the
County Department of Emergency Services, Chief or his/her designee (DES) during,
declared state of emergencies. Figure I-10 shows the County’s Organizational Chart
during emergency operations. [Missing] (BP-24)
▪ Each organization in the responsibility matrix has identified those personnel/procedures
necessary to perform their roles and established coordination activities with Volunteer,
Private, City, County, State and Federal agencies. [Missing] (BP-24)
▪ Recovery Phase: This phase begins when all necessary response activities have been
completed and the threat to the county has passed. Recovery operations consist of two
periods—the immediate recovery period are search and rescue operations,
reinstatement of essential services, restoration of vital facilities and preliminary damage
assessment. The long-term recovery phase beings at the conclusion of the immediate
recovery phase and includes activities such as final damage assessment and the
operation of Disaster Application Centers (DACs). The long-term recovery period ends
when the County has been restored to pre-disaster condition. Generally, the immediate
recovery period will be conducted form the EOC. Long-term recovery will be
coordinated by the CDES with each agency in its normal environment and/or field
command centers as conditions warrant. The Chairman or Designee will be in charge of
recovery efforts. (BP-28)
▪ Short-term Recovery: The restoration of vital services and facilities to minimum
standards of operation and safety. During short-term recovery, severely damaged
buildings/facilities are scheduled to be replaced or removed, restoration of water and
sewer, electrical and communications infrastructure occurs. These systems will be
restored to normal, or near normal during short-term recovery efforts. (BP-31)
▪ Long-term Recovery: The efforts for long-term recovery may take years as the
community slowly returns to pre-disaster states or better. These activities might include
complete redevelopment of community damaged areas or infrastructure. Additionally,
areas may require mitigation efforts to bring about long-term recovery. (BP-31)
▪ Mutual Aid Agreements or Memorandums of Agreements are designed to assist in the
County meeting its responsibilities when local requirements exceed local resources.
These agreements will be developed between the two or more parties requesting or
providing the needed resources or services. The document will coordinate between the
requesting and providing agencies and signed and dated by all parties signifying and
acknowledging the responsibilities of all involved. Bay County as a participating member
of the Statewide Mutual-Aid Agreement will adhere to the policies/procedures as set
forth in the most current agreement for providing and/or requesting mutual-aid. Any
agreements entered into for the purpose of Emergency Management

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activities/operations will be included as an annex to this plan and reviewed annually by
the CDES. The Chief, Department of Emergency Services or designee is responsible
for overseeing the mutual aid process. (BP-32)
▪ The Bay County’s emergency operating structure has five basic groups or sections.
Each of these sections has roles and responsibilities in recovery and mitigation
operations and planning as it is noted below.
o Command Section: The Command Section provides overall Operations Control
(OPCON) or emergency/disaster situation management, develops/implements
action plans, controls/coordinates operations tempo, resource/logistics
management and the evaluation of operations/exercises.
o Incident Commander: The IC provides overall operational management of the
disaster or emergency situation. The IC also directs the
development/implementation of actions plans, coordinates operations, provides
resources/logistics management and conducts evaluation of
operations/exercises.
o Command Staff Role: Command Staff personnel assists the IC in providing
overall or emergency/disaster situations management, as well as
developing/implementing action plans, controlling/coordinating operations,
resources/logistics management and the evaluation of operations/exercises.
Additionally, public information programs are designed and implemented by
members of the command staff, specifically the tasked is the Public Information
Officers.
▪ Command Staff – Operations:
• Assistant Chief, DES (Alternate IC)
• Emergency Management Planner (Message/Logistics)
• Communications Supervisor (LGR Communications)
• Public Information Officer
o Operations Section: The Operations Sections provides situational analysis and
development/implantation of response and recovery activities…The Operations
Sections will assist Command Section in strategic goals and tactical objectives in
addition to crisis action plan development, resource management
(request/release resources though the IC).
▪ Operations Section Support Functional Branches
• Communications Branch (Bay County Warning Point)
o Planning Section: Prepare crisis action plans and activities for damage
assessment, engineering roads, and debris removal operations. (BP-41 – BP-42)
▪ Service Groups: These groups provide for all services for responding to emergency
requirement needs. Requests, control (to include assignment and tracking) and
disposition of resources will accomplished by this group.
o Volunteer Organizations Active in Disaster (VOAD). Provides necessary goods
and services by coordinating use of volunteering and collecting donations.
o American Red Cross. Provides goods and services for mass care operations
and manages the County Shelter activities.
o Salvation Army. Provides goods and services for mass care operations and
assist in the County Shelter activities.

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | B-23
▪ Executive Section. Responsible for providing political representation and inputs for the
decision making process to the Command Section IC. Additionally, this section is made
up of two divisions; the County Division and the Municipal Division…The municipal
division consists of representatives from eight municipalities. These representatives will
be the senior personnel empowered with specific decision making authority for the
municipality which they serve. (BP-44)
▪ County Purchasing agency is responsible for the procurement of need supplies for
supporting the four phases of emergency management during normal operations. When
a local state of emergency declaration is implemented the declaration provides authority
for the local emergency management agency under the political subdivision, to waive the
procedures and formalities otherwise required as provided in Florida Statutes Chapter
252:
o Performance of public work and appropriate action to insure the healthy, safety
and welfare of the residents of Bay County
o Enter into contracts.
o Employment of permanent and temporary workers.
o Utilization of volunteer workers. (BP-45)
▪ Through day-to-day operations, staff are familiar with internal cost accounting practices
and procedures. Prior to an impending disaster or immediately following the occurrence
of a new disaster, staff will be reminded about tracking cost and submitting that cost(s)
to the EOC in the event that a declaration allowing reimbursement by federal/state
authorities becomes available. After a declaration has been approved, DEM will
schedule an Applicants’ Briefing wherein cost accounting practices and procedures for
recovery will be held, and all affected Department’s will attend. Upon submission of the
correct documentation, processing for reimbursement will occur. Any advance funding
receipt will not be released to Departments’ until the proper documentation has been
submitted to the EOC. (BP-46)
▪ The County will attempt to secure the use of facilities, equipment, supplies, services and
other resources for their support of emergency operations prior to the emergency. This
will be accomplished via memorandum of agreements or understandings, or through
pre-arranged contracts. In either case the procedures for reimbursement will be
stipulated as part of the contract/MOA/MOU with the agency in which the goods and
services will be obtained. Under cases involving mutual aid, the documentation and
procedures set forth in the Statewide Mutual Aid Contract shall prevail. (BP-46)
▪ The Department of Emergency Services, Emergency Management Division shall be
responsible for coordinating, collecting, and processing of all disaster related cost(s).
(BP-46)
▪ During periods of disasters, each municipality sends a designated representative that
has budgetary authority to encumber the City of the common good of the public. This
includes providing assistance in mutual aid under the Statewide Mutual Aid Agreement
to which each individual municipality is a current member. (BP-47)
▪ Recovery information will be provided to the public via local media resources.
Depending on the type of disaster/emergency determines who would be called for that
assistance. Normally, agencies such as the American Red Cross, and the Salvation

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Army telephone numbers would be broadcast as would the Public Information Officers’
and County Warning Point numbers. (BP-50)
▪ County Plans. The following plans provide the basis for the establishment of emergency
management operations in Bay County. These plans are:
o Bay County Comprehensive Plan 1991. Maintained by the Bay County Planning
Office.
o Bay County CEMP, Draft 1999, maintained by the Bay County Department of
Emergency Services. (BP-51)
▪ The CDES and/or their designee(s) shall be responsible for the initial safety and damage
assessment. (BP-54)
▪ The impacted Department(s)/Municipalities will coordinate all safety and damage
assessment activities with the CDES and/or their designee. (BP-54)
▪ The CDES or their designee will coordinate initial damage assessment with all impacted
Departments/Municipalities. Municipality(ies) will for purposes of damage assessment
serve the same as a County Department. (BP-55)
▪ Methods of assessing economic injury for the local jurisdiction will include a field
inspection (when required) along with a financial estimate of the damage(s). (BP-55)
▪ Each impacted Department/Municipality will document and coordinate habitability with
their individual jurisdiction(s) and will coordinate that information with the CDES and/or
their designee. County building officials will provide support to other jurisdictions as
needed. Florida licensed contractors, engineers, architects may be called upon to
assist, as the situation warrants. (BP-55)
▪ The process will be one of coordination between the CDES and/or their designee based
upon reports (public/private) and the individual Departments/Municipalities and PNP’s.
Each will coordinate their updated personnel equipment, and materials necessary to
conduct a damage assessment as soon as practical to do so. (Preferably during the
pre-assessment disaster period. Inventories can dramatically change over short periods
and cannot be relied upon for actual quantities and as such are not specified in this plan.
Particular staff may not be available, equipment may be no longer useful/damaged or
not required for this particular event. Materials thought to be available during planning
may be unavailable due to depletion or some other problem. (BP-56)
▪ Because fire stations are geographically positioned throughout the Country, these
facilities represent the widest possible area of coverage to benefit the public and to
coordinate disaster services from a convenient location wherever the particular disaster
impact(s) may be. (BP-59)
▪ All County/Municipal Departments have support roles to the Public Assistance program.
(BP-59)

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▪ Planning for measures that will allow minimal interruption of critical government services
for basic life sustaining services such as the delivery of food, water, and access to
emergency medical services, during times when if not for the planning, these services
would be unavailable to the public at large. (BP-59)
▪ The CDES and/or their designees shall coordinate with the Purchasing and Utilities
Department Directors to develop a FEMA acceptable debris management contract
based upon best practices and procedures. (BP-62)
▪ “Special Needs Registration List” located in the EOC Communications Room. (BP-64)
▪ The CDES and/or their designee is responsible for coordinating volunteer agencies at
the local level on unmet needs. ESF 6, 11, and 15 will support the coordination of unmet
needs and establish the committee for unmet needs, if needed. (BP-65)
▪ The coordinator shall not be concerned with geographical boundaries within the county
in the distribution of meeting the needs of disaster victims. (BP-65)
▪ Bay County being a tourist town has a ready supply of emergency housing, if necessary.
If that housing is not destroyed by the disaster. If so, Bay County will move to request
portable housing in the nearest, safest location. Shelter space currently remains at a
deficit, but progress is being made to eliminate that shortfall. (BP-67)
▪ Each municipality (mayor or their designee) and the invited public will be the support
agencies responsible to coordinate hazard mitigation activities in the country for both
pre-disaster and post-disaster scenarios. (BP-69)
▪ Describe how the country will coordinate mitigation activities with its municipalities and
the state for both pre-disaster and post-disaster scenarios: See LMS, p. 6
(Governmental Coordination). (BP-69)
▪ List by local government, any inter-local agreements, memorandums of understanding,
mutual aid compacts, or other agreements that exist for other local or state government,
volunteer, professional organizations or other individuals to assist in post-disaster
mitigation activities, including the administration of substantial damage/substantial
improvement determinations under the National Flood Insurance Program: See LMS,
pg. 9/10 (Coordinating Agencies)
▪ The Public Works Section (ESF 3, 12)is responsible for the overall planning and
coordination of Preliminary Damage Assessment (PDA), Debris Removal, restoration of
critical public services and facilities, repair/reconstruction of damaged transportation
routes, and demolition/stabilization of damaged structures. (ICSS-2)
▪ The Finance Section is responsible for tracking all disaster related response and
recovery costs as well as for evaluating the overall financial impact of emergencies and
disasters on local government. (ICSS-2)
▪ The Logistics Section (ESF 1, 5, 6, 7, 11, 15) is responsible for providing facilities,
services, and materials to support all response and recovery operations. When needed,
the Logistics Section will establish the VOAD Group, the Transportation Group, and the
Resource Management Group. (ICSS-2)

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▪ Command will implement the use of the Executive Section when emergencies or
disasters are multi-jurisdictional and require the activation of the County E.O.C., or one
or more Municipal E.O.C. When needed, the Executive Section will establish a County
Division and a Municipal Division to coordinate requests for assistance to address any
unmet needs of local jurisdictions with the County E.O.C. (ICSS-2)
▪ Local PIO planning will be directed towards satisfying two primary demands. The first is
to satisfy the requirements of local government entities requiring PIO resources to
support response and recovery operations. The second is to coordinate both obtaining
and deploying mutual aid PIO resources required to address any unmet needs of local
government and voluntary organizations if such support is required. (ESF 14-1)
▪ Recovery information, specifically where to go and who to contact for assistance will be
disseminated as outlined above. In the event traditional methods of communications are
disrupted, information will be disseminated via comfort stations in printed format. Should
the need arise, the County will establish Citizen Information Centers at public schools
closest to impacted areas. Additionally, the County Department of Emergency Services
participates in public speaking engagements and educational seminars year round
where this information is also distributed. (ESF 14-2)
▪ Under major and catastrophic disaster conditions Bay County is responsible for
coordinating local and mutual aid communications assistance to effected local
governmental agencies and voluntary organizations. This normally is accomplished at
the local level through the implementation of the Communications Group within the
Emergency Management Branch of the County Incident Command System. (ESF 2-2)
▪ Activities within the scope of the Public Works Section include:
o Emergency clearance of debris for reconnaissance of damaged areas and
passage of emergency personnel and equipment for lifesaving, life protecting,
health and safety purposes during the immediate response phase. A copy of the
County’s debris management plan can be found on file in Room 104 of County
EOC.
o Temporary construction of emergency access routes to critical facilities including
damaged streets, roads, bridges, ports, waterways, airfields, and any other
facilities necessary for passage of rescue personnel.
o Emergency restoration of critical public services and facilities including supply of
adequate amount of potable water, temporary restoration of water supply
systems, and the provisions of water for firefighting.
o Emergency demolition or stabilization of damaged structures and facilities
designated by State or local government as immediate hazards to the public
health and safety, or as necessary to facilitate the accomplishments of life saving
operations (undertake temporary protective measures to abate immediate
hazards to the public for health and safety reasons until demolition is
accomplished).
o Technical assistance and preliminary damage assessment, including structural
inspection of structures.
o Support other incident Command Functions as outlined in the County CEMP
hereafter referred to as the Plan. (ESF 3-2)

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▪ VOAD will coordinate voluntary efforts and donations in support of ARC and Salvation
Army effort to ensure the quick response and delivery of donated goods intended to be
utilized by all mass care agencies and disaster victims as a part of a broad program of
disaster relief, as outlined in charter provisions and the Disaster Relief Act of 1974.
VOAD also assumes primary agency responsibility to coordinate out-of-county and out-
of-state donations intended to support the mass care response of local government, and
the efforts of other voluntary agencies. (ESF 15-1)
▪ Initial response activities will focus on meeting urgent needs of mass care agencies and
disaster victims on a community wide basis. Initial recovery efforts may commence as
response activities are taking place. As recovery operations are initiated, close
coordination will be required between those local agencies responsible for response and
recovery operations, and voluntary agencies providing recovery assistance, including the
ARC and the Salvation Army. (ESF 15-1)

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | C-1
Appendix C
Documentation of Planning Process

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | C-3
PLANNING PROCESS
The fundamental component of the planning process is the Post-Disaster Redevelopment Plan
(PDRP) Executive Committee. The committee guides the content and direction of the plan.
The committee membership, shown in Table C-1 below, comprises city department heads,
county emergency management and economic development representatives, local non-profit
organization leaders, and military base representatives.
Table C-1 Panama City PDRP Executive Committee Membership, 2007-2008
*Acting Planning Chair
**Acting Implementation Chair
Current Member
Agency/Organization
Job Title
City Department Representatives
Allara Mills-Gutcher*
Planning and Land Use Services
Planning Manager
Jeff Brown**
City Manager’s Office
Assistant City Manager
Mike Johnson
Community Development
Director
Neil Fravel
Public Works
Director
Mike Kazunas
Public Works
City Engineer
Chief Jerry Prater
PC Fire and Rescue
Fire Chief
Wayne Stubbs
Port of Panama City
Executive Director
Charles Lewis
Port of Panama City
Deputy Director
Cpt. Robert Colbert
Police Department
Capitan
Terri Lillard
Finance
Director
Cynthia Godbey
CRA Board
Executive Director
Nancy Wengel
St. Andrews CRA/Waterfronts Partnership
Director
Ron Morgan
Utilities
Director
Bay County Representatives
Mark Bowen
Emergency Management
Director
Wayne Elmore
School Board
Facility Supervisor
Mike Jones
School Board
Safety and Security Manager
Valerie Michaels
Board of County Commissioners
Communications Specialist
Bob Majka
Bay County
Assistant County Manager
Local and Regional Organization/Stakeholders
Ted Clem
Bay County Economic Development Alliance
Executive Director
Carol Roberts
Bay County Chamber of Commerce
President
John Holdnak
Gulf Coast Community College
Vice President
Jami Duschesne
United Way of Northwest Florida
Communications Director
Dianne Williams
Catholic Charities
Regional Director
Bob Pearce
American Red Cross
Executive Director
John McDanal
Gulf Power
Marketing Manager
Wes Smith
Tyndall Air Force Base
Engineering
Randy Curtis
Panama City-Bay County International Airport
Executive Director
Jeff Prater
Naval Surface Warfare Center of Panama City
Public Affairs
Marqua Brunette
Panama City
Resident
Bruce Stitt
West Florida Regional Planning Council
Director of Community Planning
Jim Crumlish
West Florida Regional Planning Council
Evacuation Clearance Planner

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The members met on five occasions throughout the planning process. The following summaries
give an overview of each meeting.
First Meeting
On 24 October 2007, the kick-off meeting of the Panama City PDRP Executive Committee was
held. At this meeting committee members were given an overview of the post-disaster
redevelopment planning process and how this pilot project would fit within the 3-Year Statewide
PDRP Initiative. Committee members were also introduced to “Hurricane Henry,” a scenario
exercise that described the types of damage that the city could expect in the aftermath of a
hurricane and given an opportunity to think about how their roles and responsibilities may
change during the short- and long-term recovery and redevelopment process. Following the
meeting, a networking lunch was planned to allow committee members the opportunity to get to
know one another and further discuss the PDRP effort.
Second Meeting
On 24 January 2008, the second meeting of the Panama City PDRP Executive Committee took
place. Committee members were provided an update on the 3-Year Statewide PDRP Initiative
and learned that at least four additional counties would be joining them as pilots for this
initiative. Marqua Brunette, a Hurricane Katrina survivor who moved to Panama City, spoke to
the group about her recovery journey that led her to her permanent relocation. The committee
was then provided with a report that gave a detailed summary of how other currently existing
city planning mechanisms relate to the PDRP. Committee members were then asked to
participate in a discussion about the current recovery framework that is in place and potential
needs that should be addressed in the future as a part of the institutional capacity assessment.
The committee then discussed the implementation plan and brainstormed ideas for public
involvement.
Third Meeting
The third meeting, held on 13 March 2008, began with a luncheon that featured guest speaker
City Councilman Brian Carriere from Gulf Port Mississippi who spoke about the long-term
redevelopment issues faced by the city following Hurricane Katrina. This presentation set the
stage for the discussion to follow on long-term goals and issues of the PDRP. Councilman
Carriere and Mayor Scott Clemmons both participated in the Executive Committee meeting
offering where committee members discussed long-term goals and issues and what these might
be for the City of Panama City.
Fourth Meeting
The fourth meeting was an all-day event held on 5 June 2008. The meeting began with a
session on economic redevelopment, focusing primarily on economic development leaders such
as the Bay County Economic Development Alliance and Chamber of Commerce. Local
business leaders also were in attendance. During this session, guest speaker Mickie Valente,
with the Florida Council of 100, provided an overview of economic redevelopment in the
post-disaster environment as well as lessons learned from her past experiences and
suggestions on goals and actions for economic redevelopment. Next, the Economic
Vulnerability Assessment was presented to the group and discussed. Finally, goals and actions
for economic redevelopment were developed by the committee for inclusion in the plan.

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | C-5
A presentation about the Business Continuity Information Network (BCIN) was given over lunch
by Steve Luis from Florida International University. Mr. Luis gave an overview of BCIN and
discussed the possibility of using Panama City or Bay County as the pilot for future work. All
committee members as well as all the entire Chamber of Commerce membership within
Panama City were invited to attend and many community business owners were present.
Finally, the entire Panama City PDRP Executive Committee reconvened for a presentation on
the city’s vulnerability analysis with regards to disaster recovery. After the analysis was
presented, goals, issues, and actions were discussed and developed for the plan.
Fifth Meeting
The fifth and final meeting of the Panama City PDRP Executive Committee was divided into
three separate 2-hour sessions for the following working groups: 1) Land Use and Community
Development; 2) Economic Redevelopment; and 3) Infrastructure. At each of the meetings,
edits were suggested and the identified issues were prioritized using the project feedback form.
The actions developed for each Working Group also were reviewed, and suggested changes
were documented. The committee members were presented with public outreach materials,
including a Power Point presentation and flyer developed to provide an overview of the Panama
City PDRP. Members are now prepared to present this information to the public through the
meetings of different organizations.
Public Involvement
The Panama City PDRP Executive Committee recognizes that public involvement during the
planning process is important to the success of any plan, but decided that the first step was to
educate themselves on post-disaster recovery and long-term redevelopment. During the initial
planning phase supported by consultant guidance, the PDRP Executive Committee focused on
better understanding and defining what the city’s PDRP should comprise and how the plan will
function. It was decided that it would be best to first gain an understanding among the major
stakeholders before actively engaging the public. Waiting until the committee was satisfied in
their knowledge of post-disaster planning allowed members to feel confident in continuing the
ongoing planning and implementation of the plan, including a public outreach effort that was
planned during the initial planning phase.
Committee members have been given public outreach tools for the PDRP, such as presentation
materials and feedback worksheets to present to their local agencies, civic groups, and
community boards. Feedback from these outreach methods will be compiled prior to plan
adoption, and the executive committee will determine how to proceed with the plan based on
comments from local residents and business owners. Other ideas for public involvement have
been included in Section 8 for both the planning and implementation phases of this plan.
Meeting Documentation
Meeting agendas and summaries detailing meeting attendance and proceedings have been
compiled for each of the five meetings of the Executive Committee. These summaries are
included on the following pages.

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City of Panama City
Post-Disaster Redevelopment Plan
Executive Committee Meeting
Bay County Chamber of Commerce Board Room
235 West 5th Street
Panama City, FL 32402
OCTOBER 24, 2007
10:00 A.M. – 12:30 P.M.
ATTENDANCE
Committee
Representing
Allara Mills-Gutcher
Panama City Planning and Land Use Services
Mark Bowen
Bay County Emergency Management
Paul Runk
Bay County Chamber of Commerce
Dr. John Holdnack
Gulf Coast Community College
Nancy Wengel
St. Andrews CRA/Watefronts Partnership
Cindy Godbey
Panama City CRA Board
Mike Johnson
Panama City Community Development
Dan Shaw
Bay County Administration
Jami Duschesne
United Way of NWFL
Dianne Williams
Catholic Charities
Bob Pearce
American Red Cross
Ron Morgan
Panama City Utilities
Earl Mirus
Gulf Power Electric Company
Wes Smith
Tyndall Air Force Base
Wayne Elmore
Bay County School Board
Bruce Stitt
West Florida Regional Planning Council
Jerry Prater
Panama City Fire and Rescue
Ted Clem
Bay County Economic Development Alliance
Jeff Brown
Panama City-City Managers Office
Randy Curtis
Panama City-Bay County International Airport
Carol Roberts
Bay County Chamber of Commerce
Terri Lillard
Panama City Finance Department
Willis Holley
City of Panama City Public Works
Austin Andrews
City of Panama City Fire Department
Mike Geralds
Bay County Builders Services and Permitting
Charles Lewis
Panama City Port Authority
Neil Fravel
Panama City Public Works
Others
Representing
Sandy Meyer
Florida Department of Community Affairs
Link Walther
CSA International, Inc.
Julie Dennis
CSA International, Inc.
Hank Erikson
CSA International, Inc.

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | C-7
MEETING SUMMARY
▪ Gulf Power gears up for response 1 week early when hurricane advisories are posted.
The night before the storm all employees are asked to make personal arrangements for
their family and crews begin coming in from out of town. Crews are staged in safe close
areas and will start repairs as soon as possible. They first begin with major targeted
corridors and critical facilities.
▪ Gulf Power said that mitigation (i.e. replacement of wooden poles with concrete, etc.) is
not considered during the response effort. First concern is to rebuild what was originally
there and get power restored to all residents. There are annual inspections of the
infrastructure in place prior to hurricane season and if there are compromises in the
infrastructure, plans are made to replace and/or upgrade at that time. There are no
mass mitigation plans for the company.
▪ Gulf Power said that coastal underground utility systems take a bigger hit during
hurricanes—above ground utilities are much quicker to repair and cost less. It was
reported that fallen trees account for close to 80% of all power outages after a storm.
▪ The Bay County Chamber of Commerce plays a major role in communication to local
businesses in the area. When hurricane advisories are issued, they notify their
membership to get plans out. Next they deliver detailed street maps to the EOC. After a
storm, they communicate with local businesses and ask the business to notify them once
they have opened back up for business—this is then communicated to tourists,
residents, etc.
▪ It was reported that the Chamber of Commerce went above and beyond what was
expected and acted as the main line of communication between emergency
management and the local business owners.
▪ In the event that a hurricane causes damage in the downtown Panama City area, the
Chamber of Commerce would move its operations to either Clear Channel
Communications or possibly even the home of President, Carol Roberts.
▪ It was proposed to begin taking an annual inventory of vacant facilities to serve as back
up locations for local businesses who receive damage.
▪ The Economic Development Alliance (EDA) pointed out that primary private sector
employees are located in low-lying areas (including Sallie Mae Loan Corp., Berg Pipe,
Stone Container and Arizona Chemical). Three out of four of these employers are
industrial-based and couldn’t be easily moved to vacant facilities.
▪ The EDA stated that primary businesses, such as the ones listed above, are needed to
support the mom/pop’s stores. Must have residents with financial resources
(paychecks) to support other local service/retail businesses.
▪ The EDA said the biggest question is whether or not the primary industrial businesses
would chose to come back to Panama City instead of relocating to other plants and
factories around the United States.

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▪ It was proposed that government cannot affect business recovery and that continuity of
operations is a private sector issue.
▪ Recovery is ten times faster when businesses are back up and running.
▪ IDEA: Bring in Primary Employers to talk about their role in economic recovery following
a disaster.
▪ The “Used Shoes v. Money on Trucks” analogy was made. It is better to give a
community money to purchase new shoes for their residents (thus supporting the local
economy) than to patch the need by bringing in used shoes.
▪ Panama City officials discussed the debris removal and burn site issues with the
previous Parker location used during Opal where residents were evacuated because of
the burning issues. The site up in the northern portions of Panama City, used during
Hurricane Dennis was also discussed. It took 2 months to clear this site, because at this
time there was only one pre-arranged contractor and they were responding to the
heavier hit places first. The city has remedied this problem by arranging three pre-event
debris removal contracts. At this time the city does not have a debris management plan,
but could be beneficial.
▪ ISSUE: Is there a process by which state-imposed environmental regulations could be
suspended in the aftermath of a disaster to allow for faster clean-up and burning?
▪ ISSUE: Must have temporary sewage permit if putting a FEMA trailer in front yard.
▪ Six months after a disaster the Regional Planning Council would become a partner in the
recovery effort and help to administer grants from the EDA. The RPC works with
communities prior to a storm event on disaster resiliency and transportation and through
the Local Emergency Planning Commission (LEPC) which is a regional commission.
▪ The RPC suggested that everyone sitting on the PDRP Executive Committee should
also be a member of the Local Mitigation Strategy (LMS) Committee.
▪ The American Red Cross pointed out that they are not set up to manage long-term
recovery. This responsibility was usually taken on by Catholic Charities and the United
Way. Catholic Charities is engaged in the long-term recovery efforts in Biloxi, MS.
Marcus Hepburn was named as the Catholic Charities representative managing
long-term recovery through Operation Homeward Bound, part of the Be Ready Alliance
(BRACE). Organizations that have the experience and knowledge step up to taking on
response and recovery. There is a need for collaboration among volunteer
organizations with a defined mission.
▪ It was suggested that we included someone from the Bay County Home Builder’s
Association on the executive committee.

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City of Panama City
Post-Disaster Redevelopment Plan
Executive Committee Meeting
Bay County Chamber of Commerce Board Room
235 West 5th Street
Panama City, FL 32402
JANUARY 24, 2008
1:00 P.M. – 5:00 P.M.
ATTENDANCE:
Committee
Representing
Allara Mills-Gutcher
Panama City Planning and Land Use Services
Mark Bowen
Bay County Emergency Management
Paul Runk
Bay County Chamber of Commerce
Dr. John Holdnack
Gulf Coast Community College
Nancy Wengel
St. Andrews CRA/Waterfronts Partnership
Cindy Godbey
Panama City CRA Board
Mike Johnson
Panama City Community Development
Dianne Williams
Catholic Charities
Ron Morgan
Panama City Utilities
Earl Mirus
Gulf Power Electric Company
Wes Smith
Tyndall Air Force Base
Bruce Stitt
West Florida Regional Planning Council
Jerry Prater
Panama City Fire and Rescue
Jeff Brown
Panama City-City Managers Office
Mike Geralds
Bay County Builders Services and Permitting
Neil Fravel
Panama City Public Works
Mike Landers
Mike Landers, LLC
Mike Jones
Bay County School Board
Valerie Michaels
Bay County Board of County Commissioners
Marqua Brunette
Public
Jeff Prater
Naval Services Warfare Center of Panama City
Barry Cumbie
Auburn University
Others
Representing
Sandy Meyer
Florida Department of Community Affairs
Julie Dennis
CSA International, Inc.
Hank Erikson
CSA International, Inc.

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MEETING SUMMARY
Marqua Brunette, New Orleans resident who relocated to Panama City after Katrina:
▪ Relocated to PC after the city embraced her and provided her with temporary
employment. It took her 6 weeks to get back to her home in New Orleans to assess the
damage; she spoke of poor communication with regards to where to get help, city
utilities, services and electricity and weak emergency services.
▪ Look into using the Hurrevac Software to show what Panama City might look like in a
post-disaster scenario.
▪ Would have considered moving back to NO if she would have:
o Seen positive actions taking place
o Been guaranteed a job
o Heard a good message about the city—need positive communication to get people
and businesses back.
▪ Insurance nightmares: not able to get insurance on homes and therefore could not sell
the homes. Homes destroyed by Katrina that didn’t have insurance prior to the storm
were often abandoned which left it up to the city to demolish and clear.
▪ There are many different mental health issues following a catastrophic disaster.
▪ Move Back Syndrome: Once houses have been repaired or replaced, people are afraid
to move back into houses and out of FEMA trailers. Could be attributed to the fact that
they are afraid it will happen again or because it took so long to get the FEMA trailer,
they are afraid to lose it.
▪ Should designate gas stations and grocery stores out of the hazard-prone areas to have
back-up generators and be supply points for the community.
▪ To get people back, they need a place to live, work and place for their children to go
(school, daycare, etc.).
▪ Suggested getting local news stations trained by MS news stations on how to cover the
event.
▪ In the Post-Katrina aftermath without established lines of communications many were
learning about resources available by word of mouth. Signs were a big form of
communications (election-type yard signs by the roads).
▪ A lot of long-term clean up was done by the “Katrina Coalition”—a group of women who
formed a grassroots volunteer organization to clean up neighborhoods. These women
were later featured on national talk shows requesting for supplies such as garbage bags.
▪ A way to help the community is to staff businesses. Sometimes there is an
overwhelming desire to give back after a disaster and residents should be informed that
sometimes the best way to help is to get the community back to normal by reestablishing
the economy and staffing businesses.
Mike Landers, Consultant who worked in MS during the recovery efforts
▪ There is a need for advocates for local governments following a storm to help them get
through the FEMA process.
▪ A lot of required documents were lost (building diagrams and papers) and it caused
major delays in the recovery process as well as cost FEMA a lot of money.
▪ Need to know the elevations of buildings and when they were built
▪ FEMA 950 series was suggested as a good reference for policy.
▪ Need good maintenance records and documents of your code.
▪ Need to be able to show how you did business in the past (documentation) in order to
ensure that FEMA gives you the money to do it up to the same standards.

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▪ Need to know who has NFIP insurance and who is not covered.
▪ Mike Geralds: City of Panama City and County have an excellent CRS program. (City
Rating is 7 and County Rating is 5).
▪ A suggestion was made to mobilize workforce to do clean-up; damage assessment and
building appraisal.
▪ Mike Geralds: There are 17 vehicles prepared to do damage assessment and personnel
assigned.
▪ Need pre-arranged contracts to speed up the process: both debris removal and
homebuilding inspection. There is a shortage of estimators and structural engineers
following a disaster.
GENERAL DISCUSSION
▪ Counties can maximize the dollars coming into their community during the recovery and
redevelopment phases by going out and doing a damage assessment for themselves.
And then targeting the damaged areas for redevelopment.
▪ There is satellite imagery available that allows you to get a high resolution picture before
and after a disaster that can help with damage assessments.
▪ Very important to pre-identify projects (LMS and Capital Improvements Element) to be
able to document that the community planned to build it back better or improve it in the
near future. FEMA may then give you the money to make the improvements at that
time.
▪ Needs to be a charette-style visioning workshop to show what could be built back better.
▪ All Panama City IT data is backed up to Atlanta.
▪ The main issue with staffing the current EOC with city representatives is space limitation.
The current EOC is too small to handle all of the roles defined by the National Incident
Management System. The new facility being built in cooperation with Gulf Coast
Community College will be NIMS compliant and have more space for city
representatives. Currently the county has a liaison operation.
▪ The CEMP is due to be updated this year—PDRP could be worked into the new process
that will be established.
▪ PC Public Works is in charge of debris removal and assisting utility departments to
ensure that electrical power is restored as well as responsible for own facility repairs.
▪ The Engineering Section, which operates under Public Works is responsible for looking
at large scale damage (marinas and shorelines) as well as working with the PA program
on dredging projects to open up waterways if needed.
▪ Gulf Power is responsible for power restoration.
▪ The Assistant City Manager, Jeff Brown, is the FEMA liaison during the long-term
recovery efforts. He as well as the city manager also discuss information with the press
on an as-needed basis and works with other departments on preliminary damage
assessments.
▪ The Assistant City Manager talked about having to manage employees in an
environment where there is no office left.
▪ Panama City has a large amount of housing stock without insurance. These are the
people that if their homes are destroyed are more likely to relocate to other areas, thus
leaving the job of acquiring, demolishing and clearing the lots up to the city. This will be
included in our housing vulnerability analysis.
▪ A suggestion was made to seek a list of repetitive losses from the insurance board.
▪ If a lot is considered to be a “parcel of record” meaning that it was platted before 1981 in
the City of Panama City, one residence can still be placed on it even if it doesn’t comply
with the comprehensive plan or land development regulations.

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▪ In a post-disaster scenario people who receive insurance checks are in some cases,
likely to take their checks and not come back, leaving infested, condemned homes that
must be demolished by the city.
▪ A community college in a Katrina affected Mississippi area re-opened classes one week
after the event. People were thankful because there was a need for normality.
▪ Need to be careful about the scope of this project and concentrate on the city. This
would then serve as a model to other cities and to the county. Many times these
projects get too broad in scope and can’t be accomplished.
▪ Need to include Tyndall AFB and Navy Base recovery plans. These are the top 1 and
3 employers in Bay County respectively.
▪ Tyndall AFB has a specific plan for retaining personnel and employees in the post-
disaster –they have an area specific training mission and the assumption is that they will
return and will redevelop the base to full operation using temporary housing and other
facilities provided to the through DoD.
▪ The committee came to the consensus that it was hard for them to define their roles and
responsibilities in a long-term post-disaster scenario without having the goals and issues
first.
▪ The committee agreed to hold a meeting in March to set the goals and identify the
issues specific to Panama City.
PUBLIC EDUCATION/AWARENESS
▪ Don’t focus on Katrina because half of the population in this area think that this could
never happen to Bay County.
▪ Focus on coming home, with possible slogans, “Storms happen-what’s next?”’ “Calm
After the Storm”, “Come Home”
▪ People have been watching the problems in other areas, emphasize that we are taking
lessons learned and trying to make sure we do it differently.
▪ Hugo is more akin to what could happen to Panama City and Charleston is a much
better place now---good example.
▪ Involve a pre-media campaign.
▪ Have a booth at the American Red Cross Expo—ARC just received $29.000 for
advertising
▪ Committee would like to move back the public workshop until a later date when they
would feel more prepared to promote the plan and speak on their roles. Public officials
do not want to look unprepared to the public.
▪ Possibly place it closer to hurricane season. Positive: would take advantage of hype
created at this time. Negative: focus is on preparedness and might confuse residents
when talking about long-term recovery.
▪ Hold public workshop in conjunction with other big event.
▪ GCCC offered to host the public workshop on their campus.
▪ Gulf Power often sponsors events related to disaster preparedness.
▪ The CRA has 4 advisory citizen advisory committees—they could promote the plan and
event at meetings and engage public. Need to get info to them early and in a simple
concise format.
▪ Deliberate Democracy Town Hall meeting.
▪ Designate the public workshop as a Mayor’s Initiative.
▪ Place surveys in the PC water bills.
▪ On the 28th a survey concerning the Hurricane Evacuation Studies will begin.

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City of Panama City
Post-Disaster Redevelopment Plan
Executive Committee Meeting
Bay County Chamber of Commerce Board Room
235 West 5th Street
Panama City, FL 32402
MAY 13, 2008
11:30 A.M. – 4:00 P.M.
MEETING ATTENDANCE
Committee
Representing
Allara Mills-Gutcher
Panama City Planning and Land Use Services
Mark Bowen
Bay County Emergency Management
Paul Runk
Bay County Chamber of Commerce
Dr. John Holdnack
Gulf Coast Community College
Nancy Wengel
St. Andrews CRA/Watefronts Partnership
Cindy Godbey
Panama City CRA Board
Mike Johnson
Panama City Community Development
Dan Shaw
Bay County Administration
Jami Duschesne
United Way of NWFL
Dianne Williams
Catholic Charities
Bob Pearce
American Red Cross
Ron Morgan
Panama City Utilities
Earl Mirus
Gulf Power Electric Company
Wes Smith
Tyndall Air Force Base
Wayne Elmore
Bay County School Board
Bruce Stitt
West Florida Regional Planning Council
Jerry Prater
Panama City Fire and Rescue
Ted Clem
Bay County Economic Development Alliance
Jeff Brown
Panama City-City Managers Office
Randy Curtis
Panama City-Bay County International Airport
Carol Roberts
Bay County Chamber of Commerce
Terri Lillard
Panama City Finance Department
Willis Holley
City of Panama City Public Works
Austin Andrews
City of Panama City Fire Department
Mike Geralds
Bay County Builders Services and Permitting
Charles Lewis
Panama City Port Authority
Neil Fravel
Panama City Public Works
Others
Representing
Sandy Meyer
Florida Department of Community Affairs
Julie Dennis
CSA International, Inc.

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MEETING SUMMARY
Councilman Brian Carierre Gulfport, MS
▪ Considers short-term recovery to be 3-6 months for Katrina
▪ Utilize creative financing mechanisms and have on hand unobligated cash for unforeseen
expenses such as:
o Day Care facility for employees because all schools and daycare facilities were
closed.
o Had to feed employees 3 meals a day because many were working around the clock
on response and recovery related issues.
▪ Normally governments suggest setting aside 15% of operating cost for disaster recovery,
but this is not enough.
▪ Shift priorities out of capital budget to finance infrastructure repair
▪ Long-term reconstruction is FEMA reimbursable
▪ Stafford Act created Community Disaster Loans. The City of Gulfport borrowed
$16.2 million. Interest is deferred for 5 years; 10 year loan with fairly low interest rate.
Currently there is a push to convert this loan into a grant program.
▪ Considers long-term recovery 6 months to years for Katrina
▪ After Katrina there was a shift in the city and growth is now going north, away from the
coastline.
▪ Post-disaster: bring in as much commercial and residential as you can.
▪ Be cautious about land speculators – do background research on companies buying up
large plots of land promising to develop in a certain way.
▪ Utilize Tax Increment Financing
▪ Intergovernmental relationships are important. In MS, local governments are very territorial
and it is easy for walls to be built around cities – try to keep the walls down
▪ Recommends designating an EM government liaison from the city to handle all networking
and communication for long-term recovery with FEMA, State and other surrounding
municipalities. This position should be fulltime and should continue during “blue skies” as
well.
▪ State and local elected officials worked very closely following Katrina to make sure that
whatever MS needed they received. They “asked for the sky” and then utilized whatever
they could get.
▪ School districts are very important – must do whatever is necessary to get them back up and
running as soon as possible. Children need a place to go while parents work.
▪ NGOs are very important. Need to know what agencies are available ahead of time in order
to coordinate.
▪ The “North Carolina Baptist Men” is a well oiled machine that had a goal of repairing or
rebuilding 600-700 homes. They exceeded this goal by 70%.
▪ Post-disaster there will be other volunteer organizations doing the same thing. Need to
coordinate with them ahead of time and put them in contact with the people that need it the
most – most likely, those without insurance.
▪ Lesson learned: The EM Plan is great but it probably never left the shelf and was out of
date the minute the storm left the state. Plan is OK to have during a tropical depression or
storm, but not catastrophic.

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | C-15
▪ A local restaurant that may have otherwise gone out of business came in handy – the city
hired the owner to cook for all city employees.
▪ Must think for the absolute worst case scenario:
o 144 traffic signals down
o No landmarks: volunteers don’t know where they are going
o Military had to use GPS – suggestion: coordinate city map with GPS
▪ Need to look at electricity response/recovery plan
▪ Lesson Learned: Need to have pre-arranged debris removal contract – Gulfport had this, but
no one locally could be bonded and insured for the amount of damage after Katrina and
therefore had to hire an out-of-state contractor.
▪ Lesson Learned: Recovery is large-scale and you don’t want to handle this in-house
because you wouldn’t have the staff. This includes: permitting; project management; hiring
someone to oversee horizontal and vertical development; etc.
▪ Need large firms that have dealt with FEMA in the past to handle project management
▪ If you request this from FEMA, a lot of it is reimbursable
▪ Permitting jumped by 4 times after Katrina: the City Council passed a petition that waived
the permit fees for repair. If people have to pay fees they won’t rebuild.
▪ Need a government liaison to serve as a clearing house for all information and to educate
public about what’s going on: “Why isn’t this facility opened?”
▪ Need to know what you want your city to be – visioning. This needs to be updated on a
regular basis. Envision your city starting from scratch.
▪ Sometimes you have to go to the top when dealing with FEMA to get solutions. FEMA
seems to be inconsistent with their regulations. It’s a love-hate relationship.
▪ Need to think about what FEMA will do to flood elevation levels in your city. The city had to
negotiate with FEMA to come to a figure that was realistic and would allow development
along the beach again instead of the “knee-jerk” first reaction from FEMA. The City of Bay
St. Louis is still appealing the decisions made by FEMA in their area because it limits
development in a major part of the city. If you mandate a 3-4 foot chain wall you get into
higher construction costs and local restaurants won’t be able to come back.
▪ Some beach residents and businesses made the personal decision to rebuild elsewhere
(inland) due to the following reasons:
o Past experience
o Insurance
o Flood elevations would have to be built higher
▪ FEMA's decisions will determine whether or not people will rebuild along the coastline.
FEMA is not intentionally trying to depopulate cities.
▪ Need to pass an ordinance that would allow large private businesses to hire 3rd part
reviewers off of a pre-approved city list to go out and do inspections and write up reports to
speed up the redevelopment process. The city would review the reports.

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PDRP Executive Committee Meeting
Post-Disaster Issues Discussion
• Communications (short-term and long-term)
o Municipality to Municipality
▪ Satellite phones
▪ Wireless
o Municipality to FEMA
▪ Joint Information Center
▪ Catholic Charities Mobile Communication Hub
o Municipality to State
o Municipality to Businesses
▪ Internet
▪ Chamber newsletter
▪ Chamber website
o Server space and backup
o Municipality to Resident
▪ Blog or website that provides information for those outside of the area
(residents and employees)
o Continuity of Operations
▪ Huckleberry Creek
• Transportation/Infrastructure
o Port of Panama City
▪ Bring in resources after a disaster
▪ Landscape may not look the same
o Fuel
▪ Underground emergency storage container
▪ Determine the Chevron Disaster Response Plan
o Schools
▪ Temporary teacher housing
▪ Portables for classrooms
▪ Open schools in order for parents to focus on opening businesses and
repairing homes.
▪ Can combine schools and may need to think about going outside of districts
▪ Mitigation for schools damaged in vulnerable areas
▪ Continue to pay teachers can help keep them from relocating
o
Public Transportation for residents who need transportation to and from temporary
housing, work and other facilities.
o
Water and Sewer
• Business/Economic Recovery
o Emergency Permitting
o Emergency Loans
o Communications (see above)
o Tourism losses
▪ Resort/Hotel Inventory

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | C-17
• Housing
o Temporary Housing Debate: Locate on city property vs. in front of residences
o Encourage residents to repair homes and move back to their residence by providing
adequate housing, but nothing that creates a new comfort level.
o Industrial park?
o Churches
o Christian retreats
o Perhaps make separate rules for owners vs. renters
▪ Owners maybe in front of home
▪ Renters moved to another location
o Insurance
o Permanent Mobile Homes and MH Parks
o Renters
▪ Rent increase moratorium
• Local Capacity
o Local staffing capacity
o Contractors
▪ Pre-approved Contractors for short-term recovery assistance
▪ Pre-approved contractors for long-term recovery assistance
• Managing rebuilding process
▪ State license for work
o Chain of Command—Point of Contact
o Debris Management Site
▪ County landfill?
▪ Separate out different types of debris
o Utility funds maybe exhausted or heavily impacted if no one is paying for
water/sewer.

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City of Panama City
Post-Disaster Redevelopment Plan
Executive Committee Meeting
Marina Civic Center
8 Harrison Avenue
Panama City, FL 32401
JUNE 5, 2008
9:00 A.M. – 5:00 P.M.
ATTENDANCE
Committee
Representing
Allara Mills-Gutcher
Panama City Planning and Land Use Services
Mark Bowen
Bay County Emergency Management
Paul Runk
Bay County Chamber of Commerce
Nancy Wengel
St. Andrews CRA/Watefronts Partnership
Cindy Godbey
Panama City CRA Board
Ron Morgan
Panama City Utilities
John McDanal
Gullf Power Electric Company
Bruce Stitt
West Florida Regional Planning Council
Ted Clem
Bay County Economic Development Alliance
Carol Roberts
Bay County Chamber of Commerce
Terri Lillard
Panama City Finance Department
Mike Geralds
Bay County Builders Services and Permitting
Charles Lewis
Panama City Port Authority
Neil Fravel
Panama City Public Works
Jeff Prater
Naval Surface Warefare Center of Panama City
Valerie Michaels
Bay county Board of County Commissioners
Jim Crumlish
West Florida Regional Planning Council
Marqua Brunette
Public
Michaela Dollar
Bay County Economic Development Alliance
Leigh Berdon
Bay County Economic Development Alliance
Sean McNeil
McNeill Carroll Engineering
Debi Burdshaw
Bay County Chamber of Commerce
Ben Lanke
St. Joe Company
Mike Kazunas
Panama City Public Works
Bob Majka
Bay County Administrators Office
Business Community
Representing
Andre Smith
NAACP
David Lizarrlde
Coca-Cola Bottling Corp.
Cerrie DuBos
Hilton Garden Inn
John Solomon
H&R Block
Andrea Smith
Knology
Lisa Adessi
Planning Design and Communication Group
Antonio Adessi
Planning Design and Communication Group
Mike McGuire
TECO Energy
Carol Mosley
NAACP
Mike Hawley
The Associates Architects
Marilyn Shanholtzer
Candidate for City Commissioner, District I
Steve Randson
Daystar Cleaning
Joe Corbin
Adventure Bay Realty

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | C-19
Marjorie Moore
UF IFAS Extension Office, Bay County
James Morris
James Auto Center
Melissa Lockamy
Labor Solutions
Zane Spiltzer
Bay County Property Appraiser
Debbie Geiger
NHC Homecare
Rick Johnson
Gulf Marine, Inc.
Richard Hackmann
People’s First Community Bank
David Webster
Zel Tech Information Systems
Corey Burch
Peaden Mechanical and Air Conditioning
Broderick Grimes
Knology
Sandy Limmer
Direct Realtors of Bay County, Inc.
Bob Coston
Southern Waste Services
Jeff Delmar
CRI Technology Solutions
Emily Easley
CRI Technology Solutions
Scott Stoutamire
Comcast Spotlight
Bob Berkstresser
Oceaneering
Larche Hardee
WMBB
Laurance Richensen
WMBB
Bill Byrd
WMBB
Linda Wainwright
Oceaneering, Inc.
Lee Bragg
Bay County Council on Aging
Others
Representing
Sandy Meyer
Florida Department of Community Affairs
Julie Dennis
CSA International, Inc.
Mickie Valente
The Florida Council of 100
Steve Luis
Florida International University, BCIN
MEETING SUMMARY
Mickie Valente, Florida Council of 100
▪ Need a way to track the numbers of business failures/successes—true economic impact
▪ Pre-determined resources and roles
▪ Key have team already in place
▪ Ted Clem: What are the assignments? Who does what, not to duplicate efforts.
o Needs to be expanded
o Countywide; not just for the city
o When Ivan came through state had conference calls lead by Mickie; asked to
give an estimate of damage. Wasn’t too difficult during this time, business
damage is minimal. Numerical; quantifiable; guesstimates on economic
community. Need system for determining this number—system or equation.
Structural damages. Aren’t trained to appraise buildings. NO database of every
business in the county.
Are some communities that have occupational license; property appraiser—sources for data on
all of businesses in the county.
ESF 18: Many different organizations: FL Chamber, OTTED, CFO, etc. (AWI and Workforce FL
were key in getting data.

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Business team will become ESF 18 and plug into EOC.
Need space in EOC for ESF 18.
Carol Roberts: our place to be involved and in the EOC is after the storm, not during the storm.
State will be saying to the local EOCs—we need to know what the damage is to business;
needs to be part of the numbers; looking to create a pda for businesses—a little different than
what’s available for homes.
Need early assessment in order to set up business bridge loans.
Ted: In a Cat 4 or 5; Chamber and EDA won’t have members to pay dues and they won’t be
here and won’t have jobs. Local funded—no reserves.
Mickie: need to decide who is going to lead the effort.
HUD $$ could be used for economic development.
But $$ might go to housing if they have the numbers to support it—justification for PDA for
business recovery.
Military has plans for this type of situation. Need to be thought of before landfall; 700.000 a day
losing from businesses if base staff relocates.
Ted: how do chambers in MS, survive with no membership? Mickie: had to rebuild membership;
state did have to step in and support them. FL sent volunteers to help out—mutual aid
relationships through IEDC, US Chambers.
Ted: how do we make business roles more clear in the plan.
Tell FEMA it is important for the Chamber and EDA to get up and running (GOAL).
Ted: need to figure out a way that we can survive and prosper as an organization.
Business Continuity Information Network Feedback:
▪ Pandemic Influenza application and involvement with hospitals?
▪ Property Appraiser’s Office: buy-in and will help in any way needed. Including mapping
data.
▪ Concept of operations and employment? Describes how you want to go from here.
▪ Two counties—developing SOG for ESF 18. Linkage between business community and
the government.
GOALS AND ACTIONS DEVELOPMENT
GOAL: Redevelop Economic Base in the City/County.
Actions:
▪ Develop a positive campaign aimed at business owners in the community
focusing on redevelopment and assistance that can be implemented following a
disaster.
▪ Provide assistance to local businesses.

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | C-21
GOAL: Ensure that the EDA and Chamber of Commerce are up and running as soon as
possible.
Actions:
▪ Determine where the organizations would relocate following a disaster (multiple
locations): office at the airport; Clear Channel Radio, using their facility (meets
communication needs); Gulf Coast Community College.
▪ Work with SBA to further develop the business recovery center plan (location,
personnel) for Bay County.
▪ Secure emergency funding to implement economic recovery/redevelopment plan.
▪ Establishing EDA and Chamber of Commerce as the lead in economic
redevelopment by gaining support from elected officials and community leaders.
▪ Explore the idea of developing a business recovery center that becomes a “one
stop shop” for business recovery (permitting, SBA, Chamber, EDA, etc.).
GOAL: Ensure that the Panama City Port is up and running as soon as possible.
Actions:
▪ Further develop the Panama City Port Redevelopment Plan.
o Dredge and clear channel – have contracts in place prior
o Enlarge and rebuild without normal red tape
o Talk to Chevron about downtown holding tanks vulnerability and plan for
recovery
GOAL: Streamline the redevelopment process following a disaster by taking away disincentives
to redevelop RC and the Salvation Army (ESF 15-1).

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City of Panama City
Post-Disaster Redevelopment Plan
Executive Committee Meeting
Panama City—City Hall
9 Harrison Avenue
Panama City, FL 32401
SEPTEMBER 3, 2008
9:00 P.M. – 5:00 P.M.
ATTENDANCE:
Committee:
Representing:
Allara Mills-Gutcher
Panama City Planning and Land Use Services
Mike Johnson
Panama City Community Development
Mike Kazunas
Panama City Public Works
Ron Morgan
Panama City Utilities
Ted Clems
Bay County Economic Development Alliance
Carol Roberts
Bay County Chamber of Commerce
Terri Lillard
Panama City Finance Department
Charles Lewis
Panama City Port Authority
Neil Fravel
Panama City Public Works
Jim Crumlish
West Florida Regional Planning Council
Others:
Sandy Meyer
Florida Department of Community Affairs
Julie Dennis
CSA International, Inc.
MEETING SUMMARY
▪ Page 9-9: Action has a missing designee. The appropriate designee is the City
Manager’s Office.
▪ There are some Major Employers missing from the list, including Arizona Chemical, Big
Bend Community Services, State Agencies, Anchorage Children’s Home, Workforce
Center, Department of Environmental Protection, Highway Safety, Dept. Health,
Revenue and Juvenile Justice. CSA to ask Chamber of Commerce and EDA.
▪ Jim Crumlish mentioned the Community Organizations Active in Disasters (COAD) -
template in Santa Rosa County. Public-Private Partnership organization.
▪ Prioritization of issues: It was hard for the committee to decide which issue is more
important.
▪ Port of Panama City, Oceaneering and Berg Pipe – not mentioned in action items of
retention of major employers.
▪ Explore the streamlining of permitting for the repair of the Port of Panama City.

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | C-23
▪ There was discussion about whether or not the Port of Panama City can repair
bulkheads to the condition they were prior to the storm.
▪ Conduct a study to determine the economic impact of the loss of the Port of Panama
City.
▪ Examine policies and actions in PDRP to determine if any of them could be adopted into
the City Comprehensive Plan.
▪ Can only do so much as time permits – Look at the actions in the plan and organize
them in phases for completion.
▪ Finance Section: Need to make the reserve policies more specific in the future.
▪ City retains a firm for grant writing, however they are being phased out. No in-house
grant writer. Need for incorporation of this into a position or pre-determine who would be
responsible for this task.
▪ Create a funding matrix that matches resources with identified needs.
▪ Determine which property owners living within vulnerable areas in the city do not have
insurance and target these neighborhoods for buyouts, acquisition projects, and
visioning for redevelopment.
▪ Questions:
o There are homeowners that could not rebuild due to current zoning – how do you
address this?
o DCF has a mechanism in place for dispersing resources and has an elderly and
disabled database – can we incorporate that into the plan?
o Should this plan address the homeless population? Bay County Homeless and
Hunger Coalition of NWFL.
▪ Add Bay County Builder’s Services to the licensed contractors list action.
▪ Port is an industrial complex with about 1,100 employees.
▪ The Chamber and EDA roles and responsibilities contingent on providing the services
countywide. Could be criticized for providing this level of service to just one city alone.
▪ Bay Chamber and PCB Chamber would join forces in the countywide PDRP.
▪ Develop a mutual aid agreement between EDA and local governments that defines their
role in the implementation of the Economic Redevelopment Actions in the pre and
post-disaster environment.
▪ Work with the county to establish an Emergency Support Function 18, concerning
business recovery and economic redevelopment with the EDA and Chamber as the
lead.

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▪ Clarify with county emergency management that the Chamber/EDA would function as
the lead on ESF 18 in coordination with business recover centers.
▪ Create a post-disaster action to establish Business Disaster Recovery Centers.
▪ Explore grant opportunities to assist the EDA and Chamber with the recovery of their
organizations in the post-disaster environment.
▪ Host meeting to discuss business disaster recovery and redevelopment with other all
other Economic Development Organizations in Northwest Florida through “Florida’s
Great Northwest,” coordinated by the WFRPC.
▪ Need an interlocal agreement with county and all cities before taking on countywide
planning process.
▪ Need centralized command at countywide level.
▪ Back-up City Hall in the Huckleberry Creek development in north Panama City that
would have duplicate functions and could be used if the downtown City Hall received
damage
▪ Discussed the hardening of the old library building that will be used for city offices.
▪ Conduct a study to determine the public opinion of the redevelopment of City Hall
complex and civic center in its current location.
▪ Infrastructure and public facilities include Utilities Director in the involved committee
members.
▪ Explore additional debris management sites to handle capacity of larger storms.
▪ Explore interlocal agreement with the county for debris removal.
▪ Explore using hazard mitigation funds to relocate fuel holding tanks further inland (up to
the Bay Line property at Industrial Drive and Hwy 231) with pipelines.
▪ Replace downed power line poles with storm-proof concrete poles.
▪ Develop project ideas for the flood proofing of control panels and lift stations.
▪ FLAWARN – an association of municipal utilities group to assist post-disaster could be
brought into this effort.
▪ Discussed possible ditch maintenance problems.
▪ Infrastructure repair will be a community-by-community issue. There is a need for
coordination with county, but this is not a county responsibility.
▪ In the countywide plan, there needs to be a committee made up of representatives from
all cities and the county regarding infrastructure repair; some things will be done on a
community-by-community basis, whereas others will be coordinated.

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | C-25
▪ Florida Department of Transportation, which also owns roads in Panama City and would
be responsible for their own infrastructure repair, should be a part of this
committee/Working Group.
▪ Develop tabletop exercises to local recovery and redevelopment plans.
▪ Confirm existence of mutual-aid agreement with the City of Naples, the City of Port
Orange, etc.

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | D-1
Appendix D
Mutual Aid Agreement

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | D-3
Appendix D
Mutual Aid Agreement
To be included at a later date.

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | E-I
Appendix E
Debris Management Contracts and Sites

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | E-3
Pre-Arranged Debris Removal Contracts
The following three contracts have been pre-arranged by Panama City to streamline the debris removal
process following a disaster: Omni Pinnacle, LLC, BAMACO, Inc., and Crowder Gulf, Inc. The term of all
three contracts is for a period of time beginning from the acceptance and signature of both parties and
ending on 31 May 2008. Unless written notice is given by either party to this contract 150 days prior to
the end date of the contract period, the contracts will automatically renew for an additional period of
12 months. Optional renewals will not exceed four 12-month periods.

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Pre-Determined Debris Management Sites
The following map of the Panama City Port Authority Intermodal Park shows the pre-determined debris
management sites for the City of Panama City. The primary debris management and burn site is
highlighted orange, yellow, and blue on the west end of the map. The other four darkened circles that are
tagged with yellow labels could be used as alternate sites, should the primary site not be available.

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Intermodal Distribution Center
I:\Projects\Port_RMC\MXD\Final USACE\FinalMitigationArea090106_ArchD.mxd
®
1 inch equals 500 feet
Maps Produced by:
Correctional
Facility
Bay County
Incinerator
0
500
1,000
1,500
2,000
Feet
Mitigation Area
Legend
Wetland Mitigation Area
Upland Mitigation Area
Wetland Impact Boundary
Project Boundary
Property Boundary
kj
Utility Easement Section
kj
kj
September 1, 2006
UPLAND AREA 24.9 AC
UPLAND AREA 17.6 AC
UPLAND AREA 33.2 AC
UPLAND AREA 41.9 AC
UPLAND OUTSIDE OF THE CONSERVATION EASEMENT TOTAL = 117.6 AC
NOTE:
EXCLUDES THE 100FT WIDE ROADWAY/UTILITY EASEMENT THRU THE
MITIGATION AREA.

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Page 191
THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | F-1
Appendix F
Temporary Housing and Debris Management Plan Examples

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THE PANAMA CITY POST-DISASTER REDEVELOPMENT PLAN | F-3
Appendix F
Temporary Housing and Debris Management Plan Examples
To be provided by DCA to the City of Panama City at a later date.

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