U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > U.S. Forums > Florida > Punta Gorda - Port Charlotte
 [Register]
Punta Gorda - Port Charlotte Charlotte County
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
Reply Start New Thread
 
Old 02-07-2019, 01:02 PM
 
41 posts, read 97,812 times
Reputation: 14

Advertisements

Hey all!
We are re-locating to this area here in a few months hopefully! We currently reside in Wisconsin and time to leave!!! We love this area due to size (we want a smaller city) and seems to be safest areas in florida (we have a 17 month old so safety is important)! But we are curious...currently we pay only 500-600 a yr for our home and obviously Florida is more susceptible to hurricanes so we are expecting to pay more. But how much is it around these areas? And is flooding insurance neccessary? If so how much more is that for the year? Thanks in advance and excited for this new adventure!
Rate this post positively Reply With Quote Quick reply to this message

 
Old 02-07-2019, 01:19 PM
 
1,249 posts, read 1,834,826 times
Reputation: 1891
I surely hope you have done your research and found suitable employment if you are a young family that needs income.

Charlotte County is predominately a retirement area with a service sector economy targeted at these retirees. Jobs are dominated by real estate, construction, medical, retail, and food service.

There are more diverse job opportunities in the bigger cities south in ft. Myers and north in tampa/st. Pete.
Rate this post positively Reply With Quote Quick reply to this message
 
Old 02-07-2019, 04:47 PM
 
41 posts, read 97,812 times
Reputation: 14
Quote:
Originally Posted by logybogy View Post
I surely hope you have done your research and found suitable employment if you are a young family that needs income.

Charlotte County is predominately a retirement area with a service sector economy targeted at these retirees. Jobs are dominated by real estate, construction, medical, retail, and food service.

There are more diverse job opportunities in the bigger cities south in ft. Myers and north in tampa/st. Pete.
I am in the cell phone industry..seems as if there are a ton of companies down there
Rate this post positively Reply With Quote Quick reply to this message
 
Old 02-07-2019, 04:49 PM
 
390 posts, read 320,854 times
Reputation: 491
There are just too many variables to help cost that for you but you can probably expect at least double what you're currently paying for standard coverage w/o flood insurance on a newer home. Not all properties require flood insurance, but if you happen to select a property in a flood zone your mortgage lender will require you to carry flood insurance. Insurance costs vary widely because of home age & wind mitigation factors so your best bet would be to select your ideal property and then speak with an insurance agent in the area to get a true idea of what you can expect to pay.
Rate this post positively Reply With Quote Quick reply to this message
 
Old 02-07-2019, 05:43 PM
 
Location: Lemon Bay, Englewood, FL
3,178 posts, read 5,526,607 times
Reputation: 1165
If you use the search function, you'll see dozens of threads on this subject. Also, flood insurance is only a requirement if you purchase a home in a FEMA designated flood zone and have a mortgage (the lender requires it). Just because it's in a flood zone doesn't mean it has ever flooded. It's where FEMA draws the magical lines. It's gov't, they know what's best lol
Rate this post positively Reply With Quote Quick reply to this message
 
Old 02-07-2019, 09:55 PM
 
6,313 posts, read 3,526,295 times
Reputation: 1870
In addition to the above mentioned FEMA flood map info that drive insurance requirements, you may want to also look at separate official hurricane storm surge maps (surge is like a higher high tide) in looking for a property: US National Hurricane Center (NHC) has an interactive map to see possible max water heights for each category of storm (1 through 5). These are just ‘in general’ as each storm is a little different and portray if the surge max height came at peak high tide. Should an actual storm approach, the NHC releases specific storm surge maps for that storm.

https://noaa.maps.arcgis.com/apps/Ma...935fad&entry=1
**NOTE: you’ll need to change categories to see each one, on pc thats tabs near top of page, on mobile swipe along bottom of screen or tap second set of lines just above map for menu links.

Reminders:
-Only three Category 5’s are known to have struck the US (FL Keys 1935 “Labor Day Hurricane”, Mississippi 1969 “Camile”, Homestead FL 1992 “Andrew”)
-After Andrew building codes in FL changed over the years so you’ll see a difference in insurance based on pre or post Andrew age homes and/or storm mitigation upgrades/improvements.
-The Northeast corner of the eye/center of a hurricane typically has the highest surge, and steadily less further from that point.
-Surge maps only depict rise of water from incoming ocean, bays, inlets, rivers, etc. and don’t account for rainfall flooding.
-Each storm is different...didn’t flood in one doesn’t mean safe from all (so consult map above!) as size, movement speed, angle of approach, shape of land, tide level, etc all play a role in height.

Last edited by Psychoma; 02-07-2019 at 10:05 PM..
Rate this post positively Reply With Quote Quick reply to this message
 
Old 02-11-2019, 02:11 PM
 
1,437 posts, read 1,776,612 times
Reputation: 873
If you’re not planning on a canal-, harbor- or riverfront home, just avoid the flood zones altogether (why be in a flood zone if you’re not on the water?) Out of the flood zones, but below some elevation number (25ft?), flood insurance may still be a good idea, and should only be a couple of hundred bucks. If you are planning on a waterfront home, you have a lot of research to do, it’s complicated. As mentioned, there are dozens of threads on the topic with a lot of good info to get you started. On the other topic mentioned, do your research on jobs and pay - jobs here frequently pay less than the same job up North. Best of luck. PS: there’s a Culver’s in Port Charlotte
Rate this post positively Reply With Quote Quick reply to this message
 
Old 02-11-2019, 08:02 PM
 
41 posts, read 97,812 times
Reputation: 14
Sooo can someone give me an idea what they pay yearly for home owners? Just want a ball park figure. We are looking at a 1300-1500 sq ft home
Rate this post positively Reply With Quote Quick reply to this message
 
Old 02-11-2019, 08:59 PM
 
122 posts, read 116,821 times
Reputation: 52
Quote:
Originally Posted by vextc05 View Post
Sooo can someone give me an idea what they pay yearly for home owners? Just want a ball park figure. We are looking at a 1300-1500 sq ft home
I think we pay about $800-900/year with Towerhill for a 1650 sq ft home built in 2006. The house is not in the flood plain and doesn't have a pool. We actually thought that was pretty reasonable compared to Montana where hail storms have driven up the cost of insurance.
Rate this post positively Reply With Quote Quick reply to this message
 
Old 02-12-2019, 07:59 AM
 
41 posts, read 97,812 times
Reputation: 14
Quote:
Originally Posted by Satsuma View Post
I think we pay about $800-900/year with Towerhill for a 1650 sq ft home built in 2006. The house is not in the flood plain and doesn't have a pool. We actually thought that was pretty reasonable compared to Montana where hail storms have driven up the cost of insurance.
Awesome! I was thinking it would coat us like 1500-2000 a yr
Rate this post positively Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


Reply
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply
Message:


Settings
X
Data:
Loading data...
Based on 2000-2020 data
Loading data...

123
Hide US histogram

Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > U.S. Forums > Florida > Punta Gorda - Port Charlotte

All times are GMT -6.

© 2005-2022, Advameg, Inc. · Please obey Forum Rules · Terms of Use and Privacy Policy · Bug Bounty

City-Data.com - Contact Us - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37 - Top