Home insurance in Cape Coral, FL

Parts of Cape Coral are in mapped flood zones, and flooding isn't covered by a standard policy. Here's what to check.

Flood risk in Cape Coral

Flooding is not covered by a standard homeowners policy anywhere in the country — it is a separate policy. Whether you are required to carry it depends on the zone your address falls in.

FEMA's current mapping for the Cape Coral area shows Zone AE, Zone VE alongside Zone X, which is the lower-risk designation.

Cape Coral is in FEMA's Community Rating System at Class 5, which earns residents 25% off flood insurance in the high-risk zones. Most homeowners have never heard of this and it applies automatically.

Source: FEMA National Flood Hazard Layer; NFIP community 125095.

More about insuring a home in Cape Coral

Flood riskHail, wind and your roofYour home rebuild costWhat a policy coversRV & motorhome

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