Nearly all of the Cape Haze Peninsula (which includes the Rotonda area) is in a flood zone. The main difference for cost will be the base elevation of the home and which flood zone the home is located in. Your flood insurance with $250,000 coverage can range from less than $400 to more than $3,000 depending on these factors. If you have a specific property address in mind, you can get a general idea of what the flood zone is from http://www.floodsmart.gov.
You can also read about flood coverage and risks.
Local surveyors offer elevation certificates (usually between $150 and $250). Turnaround time right now is about 5 days, depending on the surveyor.
A couple of things to keep in mind: 1) Ask your agent to request a copy of the Seller's elevation certificate. Sometimes you can at least look at the existing certificate to get an idea of the flood rate. 2) You will need to get flood insurance if you are getting financing. 3) Ask your agent for the phone numbers of a couple of local insurance companies. Often a local insurer can give you a better idea of what your rate may be based on other homes nearby that they carry the insurance on.
Remember, flood insurance is only one part of the picture. Flood insurance covers rising water only. Damage due to wind-driven rain and other water damage, such as that from a faulty hot water heater, are covered under your Homeowner's and/or Windstorm policies.
Kelly Reark, e-PRO, TRC
Gasparilla Properties Inc.