Your FEMA flood zone designation is the single biggest factor, since Zone X inland properties often pay under $900 a year while Zone AE waterfront properties run $2,500 to $5,000 and Zone VE barrier island properties can reach $8,000 or more annually. Under FEMA's Risk Rating 2.0 system, pricing is now based on the specific elevation and characteristics of each home rather than a flat zone average. An elevation certificate can meaningfully lower a quote, so it is worth obtaining before listing or purchasing. Every parcel's zone can be checked on the FEMA Flood Map Service Center.
- Properties
- Meet our agents
- Communities
- Market Report
- Home Value
- Calculator
Work with us
Our team of local experts is ready to guide you through the home-buying or home-selling process. We are committed to fast, professional, and courteous service to help you understand and feel at ease throughout the entire transaction. Our trained and licensed agents specialize in the Greater Sarasota area real estate market and are prepared to find the right home if buying, and get the best price when you sell.