Flood insurance cost in Charlotte County, Florida
In Charlotte County, Florida, the lowest private flood insurance quote ran $5,999 a year and the typical private quote ran $10,779. The NFIP quote ran $4,365.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 40% above the NFIP quote, and private was the cheaper option for 37% of those 86 properties. The typical private quote came in 121% above NFIP.
Median annual premiums from 856 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Zone A, AE, AH and AO (high risk) | $6,749 | $11,170 | $4,680 | 779 |
| Residential properties | $5,999 | $10,779 | $4,445 | 855 |
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Compare NFIP and private carriers for your address.
Common questions
- How much does flood insurance cost in Charlotte County, Florida?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in Charlotte County, Florida was $10,779 a year and the lowest private quote a property received was $5,999. NFIP quotes ran $4,365. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- Is private flood insurance cheaper than NFIP in Charlotte County, Florida?
- Where a property was quoted both ways, the lowest private quote came in a median 40% above the NFIP quote, and private was the cheaper option for 37% of those 86 properties. The typical private quote came in 121% above NFIP.
- Where do these numbers come from?
- From 856 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Oct 2024 to Oct 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance in Florida
- Flood insurance in Florida: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance
- Private flood insurance
- Commercial flood insurance
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index.