Peter Datin, Director, Model Development, RMS
Derek Stedman, Lead Modeler, RMS
Holly Widen, Product Manager, RMS
Hurricane Michael made landfall in the Florida Panhandle near Mexico Beach on October 10, 2018, as the strongest hurricane (by wind speed) to impact the area in recorded history. As a strong category 4 hurricane, Michael’s wind speeds were at or above the design-level wind speeds for this area specified by ASCE 7 and the Florida Building Code. Figure 1 below shows the RMS HWind 3-second peak gust footprint with the design wind speed contours from ASCE 7-16 for Risk Category II structures (e.g., single-family homes and most commercial structures).
The Florida Panhandle has historically considered itself less prone to intense hurricanes than other coastal areas such as the Greater Miami Area, where the probability of category 4 and 5 storms is much higher. As an example, in the history of the Florida Building Code (FBC), the Panhandle successfully lobbied for an exception to the windborne debris provisions that were introduced in the original 2001 FBC. This exception was ultimately lifted in 2007 but highlighted that this area contained many examples of pre-FBC construction side-by-side newer construction built to higher standards, featuring wind damage mitigation measures suggested by the engineering community and organizations such as the Insurance Institute for Business and Home Safety (IBHS).