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City Planning Division

Flood Protection Includes Planning and Insurance

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After fires, floods are the most common and widespread of all natural disasters. News reports from flooded areas often include descriptions of people in areas of imminent flooding trying to protect their property with sandbags. Although the strenuous and time-consuming task of sandbagging can help fend off rising water, this activity should generally be considered as a last resort. It is important to know some basic facts about flooding and steps you can take now to protect your life and property.

Most residents of Cape Coral live in a flood zone that falls into a category called a “Special Flood Hazard Area.” These areas are the V-Zone and A-Zone on the Flood Zone map. X-Zones are not considered part of the Special Flood Hazard Area, but just because your property is in one of the less susceptible flood zones does not mean you have no need for concern. Twenty-five percent of flooding occurs outside areas formally designated as being flood-prone (i.e. Special Flood Hazard Areas).

Flood insurance is required for many property owners; however, this insurance is available to all properties in Cape Coral, including property in the X-Zone.  Due to the lower risk, these zones can be insured at a lower insurance premium than the higher risk areas.

Click for Elevation Certificates then choose ELEVATION. Enter your address in the box below and then click "search". 

Buildings built prior to 1993 did not require an elevation certificate; therefore the City of Cape Coral will not have an elevation certificate on file for these buildings. Please contact the Surveyor that completed the survey for your mortgage closing or contact the Title Company that processed your house closing. 

Click here for more information on flood insurance costs and coverage.

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