A report the group released last week envisions floodwaters reaching buildings they currently can’t and spreading farther into many houses that now only get damp. The effect nationally will be that yearly financial losses from flooding may rise from about $20 billion today to $32.2 billion — a 61 percent increase — by 2051, according to projections from elaborate computer modeling. Florida will be front and center for those impacts, with First Street’s models estimating the state has more than a fifth of the country’s flood-exposed homes already. Local officials were already worrying about rising water on their own. About 112,000 Duval County residents sought help from the Federal Emergency Management Agency after Hurricane Irma rolled past the community in September 2017, and Councilman Michael Boylan reminded the committee that most of the damage came from water, not wind.