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Sarasota and Charlotte county Florida flood zones

Posted 12-09-2009 at 12:25 PM by SoFLGal

The flood zones change throughout Sarasota. Generally speaking, the closer you are to water the more likely you are to be in a flood zone. Here's a link to the FEMA flood maps. You can just punch in an address and come up with the flood zone. FEMA Map Service Center -

I always like to double check the zones with the insurance companies but I've had some that aren't experienced in quoting flood rates give me incorrect info. The above website is where they would be pulling their info from though.

Here are two more good websites:
Floodsmart.gov: Premium Directory

High Flood Risk:
AE, A, AH or AO Zone. These properties have a 1 percent chance of flooding in any
year — and a 26 percent chance of flooding over the life of a 30-year mortgage.
VE or V Zone. These properties have a 1 percent chance of flooding in any year and
also face hazards associated with coastal storm waves.

Low to Moderate risk:
Shaded X Zone. These properties are outside the high-risk zones. The risk is reduced
but not removed.
X Zone. These properties are in an area of overall lower risk.
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