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18500 Murdock Circle
Port Charlotte, FL 33948

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Flood & Flood Insurance Information

Resources and information about Charlotte County’s flood risks, flood insurance and flood protection services.

FEMA has a tool to estimate the cost of flood damage based on the size of the home and the depth of the flood waters. You can reduce or mitigate your risk by purchasing flood insurance, retrofitting, moving out of the floodplain, or elevating your structure. Find out how much a flood can cost you: FEMA Flood Damage Cost Calculator | 2017 Flood Loss Estimations

Map of 2019 FEMA Flood Zones

FEMA Flood Zones Comparison Map App
Map App Tutorial (video)

FEMA Changes to Area Flood Maps

FEMA announces Dec. 15, 2022, as the effective date for new Flood Risk Maps. FEMA has issued the Letter of Final Determination (LFD) and Final Summary of Map Changes (SOMA) for Charlotte County. Many past Letters of Map Change (LOMC, LOMA, LOMR) will be superseded (no longer valid) when the new maps become effective. 

The new FEMA Flood Risk Maps will usher in a new FEMA designated flood zone known as the Coastal A Zone. This area is based on the Limit of Moderate Wave Action (LiMWA) and can experience wave crests of 1.5' - 3'. The Coastal A Zone has higher construction standards.

These new maps will be in the most current vertical datum, known as the North American Vertical Datum of 1988 or NAVD88. The NAVD88 datum has an average difference in our area of 1.15' (lower) than the current vertical datum used. Click on the flyers below to learn more about these changes.

Charlotte County offers free flood workshops at the local libraries. Learn about the flood insurance changes that took place October 2021 and the new flood map changes that will become effective on December 15, 2022.

The flood workshop flyer and the flood workshop presentation with the slides and notes, can be found below:

For questions about flood or flood insurance, contact Donna Bailey, CFM, floodplain coordinator, at 941.623.1080.

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