Living on the Space Coast means living near water, and that means understanding flood zones before you fall in love with a listing.
Check the Flood Zone First
Every property has a FEMA flood zone designation, and it affects whether flood insurance is required and how much it costs. Zones starting with “A” or “V” typically carry mandatory coverage and higher premiums.
What Flood Insurance Covers (and Doesn’t)
- Covers structural damage and contents from rising water
- Doesn’t cover damage from wind-driven rain, that’s homeowners insurance
- Available through the National Flood Insurance Program or private carriers
Get Quotes Early
Flood insurance costs vary widely by elevation and construction, so get a quote during your inspection period, not after closing, so it doesn’t blow up your budget.
Have a listing in mind? Call or text us at 321-501-9579 and we’ll help you check the flood zone before you write an offer.