Do you have to have flood insurance to live in anywhere in Port Charlotte? Or just if you live on the water?

Asked by slsranger, Port Charlotte, FL Sun Mar 31, 2013

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lopphile, Home Buyer, Port Charlotte, FL
Thu Aug 15, 2013
Kessel Holdings LLC

0 votes
Shain McLaug…, Agent, Port Charlotte, FL
Thu Apr 4, 2013
You can go to to enter a property address to see what type of zone it is in.
It is always wise especially when living on the water to obtain flood insurance. Also keep in mind that if you are financing, you will become obligated to carry flood insurance if the home you are purchasing happens to meet the appropriate risk level.

Shain McLaughlin Realtor®
RE/MAX Palm Realty
1808 Tamiami Trail, Unit D-2
Port Charlotte, FL 33948
Cell: (941) 623-7850
Office: (941) 743-5525
0 votes
Tammy Hayes, Agent, Port Charlotte, FL
Sun Mar 31, 2013
There are quite a few areas in Port Charlotte that are not in a flood zone and do not require flood insurance. You can check out the flood zone of any home by typing in the address at I would be happy to help you or answer any other questions you may have. You can search for homes on my web site at:

Tammy Hayes, Realtor
RE/MAX Palm Realty, Port Charlotte, FL
0 votes
Jessica Cole…, Agent, Port Charlotte, FL
Sun Mar 31, 2013
Port Charlotte is mostly a flood zone area. When you don't have flood insurance is when you end up needing it. It's always better to be safe than sorry.
0 votes
Gabriele Ext…, Agent, Englewood, FL
Sun Mar 31, 2013
There are several areas in port Charlotte that don't require flood insurance because the base elevation is high. In Rotonda many homes don't require it. However, I tell all my customers that even if its not required. It's good to have.
0 votes
Anna M Brocco, Agent, Williston Park, NY
Sun Mar 31, 2013
For flood maps see link Also check with your insurance carrier beforehand...
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