Yes, in many cases. Starting January 1, 2026, Citizens Property Insurance requires flood coverage on homes with a Coverage A value of 400,000 dollars or more regardless of flood zone, which pulls in a lot of Zone X homes that never needed it before. Statewide flood premiums through the National Flood Insurance Program average under 1,000 dollars a year, though coastal Sarasota County properties often land well above that depending on elevation and construction. Owners with multiple properties should check each one separately, since a home that was exempt a few years ago may now trigger the requirement.
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