Flood Insurance coverage can be included to your Port Charlotte homeowner’s insurance policy. Flood water damage can be a very expensive home repair and destroy the valuable contents of your home. Federal law requires some locations that typically flood to have flood insurance, which isn't covered by most homeowner's policies. Contact a Florida Peninsula insurance professional for a quote on Port Charlotte Florida flood insurance. Florida Peninsula flood endorsement policy replaces the need for a standalone flood policy and is designed to cover your personal possessions up to a selected coverage amount. For more information on Florida Peninsula Flood Endorsement.  

Other insurable Port Charlotte home owner risks covered by Florida Peninsula Insurance Company include protection to screen enclosures, animal liability, and theft away from premises.

You can consult with a Florida Peninsula insurance professional to determine if you have adequate homeowners insurance to protect your Port Charlotte home. Often, our home insurance policy quotes provide significant cost saving and/or provide an increase in policy coverage.

For more information or to get a quote now, please click here.

Learn about Port Charlotte Homeowners Flood Insurance

Congress created the National Flood Insurance Program in 1968 and requires owners of mortgaged property tin Special Flood Areas to carry flood insurance. FEMA produces Flood Insurance Rate Maps to determine these Special Flood Hazard Areas. A floodplain is the part of the land where water collects, pools, and flows during the course of natural events. Such areas are classified as Special Flood Hazard Areas (SFHA), and are located in a 100-year flood zone. Base Flood Elevation is the computed elevation to which floodwater is anticipated to rise during the base flood. Base Flood Elevations (BFEs) are shown on Flood Insurance Rate Maps (FIRMs) and on the flood profiles. The BFE is the regulatory requirement for the elevation or flood proofing of structures. The relationship between the BFE and a structure's elevation determines the flood insurance premium.

Port Charlotte Flood Insurance Map: 

FEMA is currently studying coastal hazards for Charlotte, Lee and Hendry Counties. As a result of that study, Flood Insurance Rate Maps for Lee County will likely be updated effective in 2018. 
Preliminary flood hazard data (preliminary data) is available for selected areas of Charlotte County Florida.  It provides the public an early look at their home or community‘s projected risk to flood hazards.  Not only is flooding one of the most common and costly disasters, flood risk can also change over time because of new building and development, weather patterns and other factors.
 

Federal Emergency Management Agency FEMA Website: https://www.fema.gov/