SARASOTA FLOOD ZONES AND MAPS
Learn more about Sarasota flood zones and flood zone designations.
Hurricane Dorian update:
Flood insurance policies take effect 30 days after purchase. If you live in a low lying area, secure your property and remove valuables and important documents.
NEW FLOOD ZONES
TAKE EFFECT IN 2016
Every part of the country, not just Florida, will be under new FEMA flood maps in 2016. If you live near any body of water, the chances are your flood insurance costs will rise.
In the Sarasota area, the most common flood zone designations are explained in the graphic.
If you are getting a mortgage, you will have to have flood insurance if your home is not above base flood elevation (BFE) in any zone starting with a V or an A, and your rates will be higher.
Lower risk zones such as B or X designations carry a lower risk of flooding and a lower rate of insurance.
You can likely forego paying flood insurance in zones C or X, if you are getting a mortgage.
Condo buyers do not need separate flood insurance, as that liability is normally covered in the association fee. Cash buyers are not required to have flood insurance to purchase property in FL.
MORE ABOUT SARASOTA FLOOD ZONES
Properties on our barrier islands are usually in A or V rated flood zones. A home on a canal may have an AE rating, while a home across the street on an open body of water such as Sarasota Bay may be at the same elevation, with a V rating.
The difference with a V rating (called the "Velocity Zone") is the added potential damage from wave action, in addition to wind velocity and storm surge flooding.
Please visit my Service Provider page for contact information for local insurance companies.
Condos and Flood Insurance
If you own a condo, your condo association fees cover insurance for the structure, such as exterior walls, windows, and roof. Owner's condo insurance provides coverage for HVAC, appliances, and personal items located within the stud walls, and will protect you from loss in a flood event.
Jeff M., Sarasota