How Will the New Flood Insurance Bill Impact You? – St. Petersburg, FL Real Estate Blog

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(X is the zone you see the most in Charlotte and Sarasota County) Most real estate agents will mistakenly tell you that a specific home is not in a flood zone when in fact it is in an X flood zone. X doesn’t mean it’s not in a flood zone, it just means you are not forced to purchase flood insurance there.

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The National Flood Insurance Program While flood insurance isn’t mandatory in Florida, you may be required to purchase a policy to obtain a mortgage if your home is in a higher risk flood zone. The average cost of flood insurance in Florida is more than $500 per year.

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