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Flood insurance cost · Charlotte County, FL

Flood insurance cost in Charlotte County, Florida

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 29,039 home policies in force on August 31, 2026.

Charlotte County, FloridaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$2,011a year

Half of insured homes paid between $1,316 and $3,109. That is 98% more than the Florida median ($1,017). Most insured homes here are rated in zone AE (86%).

$0$1,316 · $2,011 · $3,109$3,886
+13.5% vs Aug 31, 2025 (median $1,772)
29,039home policies in force
$2,405average cost (mean)
87%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Charlotte County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$1,721$1,156–$4,077$2,904382 (1%)+11.0%
Zone AE
High risk		$2,179$1,539–$3,327$2,57324,850 (86%)+11.9%
Zone A
High risk		$995$774–$1,375$1,213110 (0%)+6.8%
Zone X
Moderate to low risk		$1,212$977–$1,334$1,2583,664 (13%)+14.8%
Zone D
Undetermined		$1,067$654–$1,784$1,22833 (0%)+10.0%

Not shown (fewer than 10 home policies): AO, AH, A99/AR. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Charlotte County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home26,495$2,072$2,464
2–4 unit building440$2,291$2,931
Manufactured (mobile) home992$2,008$2,100
Condo or apartment unit1,112$828$1,060
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		1,381$6,092$7,517
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		988$4,678$5,923
31,408NFIP policies in force, any building
39,409insured units (condo association policies count every unit)
66%of home policies also cover contents
$96,000median contents coverage, when bought

One year on: Charlotte County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force30,84329,039−5.8%
Median annual cost$1,772$2,011+13.5%
Average annual cost$2,168$2,405+10.9%
All policies in force (any building)33,23531,408−5.5%

How many homes have flood insurance?

32.0%of all homes in Charlotte County have an NFIP policy
57.9%of homes in high-risk zones (special flood hazard area) have one
100,666residential buildings counted by FEMA
49,038of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Charlotte County, Florida have filed 11,708 flood claims. 7,686 received a payment, for a total of $475.9 million (an average of $61,920 per paid claim). The year with the most claims was 2024 (6,260 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k19801982: 203 claims, 139 paid, $350,117 in total1985: 92 claims, 73 paid, $348,491 in total1988: 101 claims, 64 paid, $294,164 in total19901992: 111 claims, 60 paid, $186,210 in total1993: 88 claims, 56 paid, $548,065 in total1994: 13 claims1995: 424 claims, 284 paid, $2,167,709 in total1996: 88 claims, 58 paid, $425,868 in total1997: 21 claims1998: 14 claims1999: 13 claims2000: 66 claims, 49 paid, $436,414 in total20002001: 347 claims, 274 paid, $3,700,116 in total2002: 15 claims2003: 61 claims, 29 paid, $175,524 in total2004: 954 claims, 138 paid, $2,443,542 in total20042005: 35 claims, 10 paid, $89,087 in total2008: 11 claims2010: 14 claims20102012: 20 claims2013: 18 claims, 10 paid, $86,722 in total2016: 21 claims2017: 250 claims, 98 paid, $3,728,942 in total2020: 33 claims, 23 paid, $813,644 in total20202022: 2,192 claims, 924 paid, $52,163,134 in total20222023: 154 claims, 121 paid, $5,659,916 in total2024: 6,260 claims, 5,214 paid, $401,562,542 in total2024
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (27)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20246,2605,214$401,562,542$77,016
2023154121$5,659,916$46,776
20222,192924$52,163,134$56,454
20203323$813,644$35,376
201725098$3,728,942$38,050
201621<10––
20131810$86,722$8,672
201220<10––
201014<10––
200811<10––
20053510$89,087$8,909
2004954138$2,443,542$17,707
20036129$175,524$6,053
200215<10––
2001347274$3,700,116$13,504
20006649$436,414$8,906
199913<10––
199814<10––
199721<10––
19968858$425,868$7,343
1995424284$2,167,709$7,633
199413<10––
19938856$548,065$9,787
199211160$186,210$3,104
198810164$294,164$4,596
19859273$348,491$4,774
1982203139$350,117$2,519

From 2016 to 2026: 8,910 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

ZIP codes in Charlotte County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Unincorporated Charlotte County (23,628 home policies) · Punta Gorda (5,350 home policies) · Unincorporated Lee County (56 home policies)