If the home is located in a designated flood zone which would include areas in Ft. Myers close to the river, areas in Cape Coral that have gulf access canals behind them which lead to the river, most areas of Bonita and Estero on the west side of US 41 or any homesite under 10 feet above sea level you will need flood insurance.
Any home you buy that is older than 2000 will generally give you discounts on your home owners insurance of you have a wind mitigation inspection done at the same time you have your home inspection. I personally get over a $600 credit on my 2002 home which is approximately 22 feet above sea level between US 41 and I-75.
I have two families I have helped move from the Keys so I know what you must be going through with insurance and safety. I would be so happy to help you when you are ready. Until then please use the website below to keep track of your favorites. Happy New Year!
Sarah Garrett, Realtor
ALLIANCE REALTY GROUP
"Chosen Best in Client Satisfaction 2006-2013" by Gulfshore Life Magazine, Naple, FL
Web Access to MLS: "Shop like an agent with minute by minute updates."
Also the cost of insurance can depend on the house and year built.
I wrote a little about that here:
Ronald (Realtor Ron W ) Wolchesky
Feel free to call or contact me and I can also give you the name of a local insurance agency who is familiar with these matters.
Premier Florida Realty of SWFL
cell: (239) 810-2980
work: (239) 463 5217
skype: lloyd . nichols
For any insurance related questions or need call
East & Greenwell Insurance Inc | Allstate
20321 Grande Oak Shoppes Blvd, suite 308
Estero, FL 33928
Direct: (239) 672-4306 | Office: (239) 434-7877 | Fax: (239) 362-0011
If I can help you find a home here or answer any of your questions, please give me a call at 239-560-4159
RE/MAX Realty Group