City of Cape Coral
1015 Cultural Park Boulevard
Cape Coral, FL 33990

(239) 574-0401

Flood Insurance

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Homeowner's and renter's insurance policies do not cover damage caused by flooding. It is possible that flooding waters could cause more damage to the contents than to the structure. If you are in a V-Zone or an A-Zone, you are four times more likely to experience a flood than a fire. Don’t wait for the next flood to buy insurance protection. If you don’t have flood insurance, talk to your insurance agent. There is a 30-day waiting period before National Flood Insurance Program coverage takes effect. Contact your insurance agent for more information on rates and coverage.

Structures under construction are also insurable. Almost any building with at least two walls and a roof is insurable against flooding through the National Flood Insurance Program (NFIP) which offers affordable, federally-backed insurance. Contents of insurable buildings can be covered by a separate policy, also making flood insurance available to renters. Unless you requested that your flood insurance policy cover the contents, it may only cover the structure. 

Because the City provides more than the minimum required flood plain management, properties within the City receive a Community Rating System (CRS) flood insurance discount.
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