Cape Coral Flood Insurance Premium Tracker
Typical NFIP Risk Rating 2.0 and private flood premiums across every Cape Coral ZIP code, built from FEMA and Florida OIR public data. Ranges reflect single-family homes with ~$350k dwelling coverage. Last refreshed 2026-07-01.
Baseline reference points
Cape Coral flood premiums by ZIP code
Ranges below reflect a typical single-family home with $350,000 dwelling / $100,000 contents. Your actual premium depends on elevation certificate, foundation type, machinery elevation, and prior claims. NFIP figures are Risk Rating 2.0 full-risk quotes; discounts phase in over time.
| ZIP | Neighborhood | FEMA zones | NFIP (annual) | Private (annual) |
|---|---|---|---|---|
| 33904 | SE Cape Coral (Yacht Club, Cornwallis) Direct Gulf-access canals; older waterfront housing stock elevates NFIP full-risk pricing. | AE, X | $1,900 – $3,400 | $1,100 – $2,600 |
| 33914 | SW Cape Coral (Chiquita, Cape Harbour) Mix of canal-front AE and inland X. Newer construction often quotes cheaper on private. | AE, X | $1,700 – $3,100 | $950 – $2,400 |
| 33990 | Central Cape (Country Club, Everest) Predominantly X zone. NFIP preferred-risk pricing available for most non-canal homes. | X, AE | $700 – $1,400 | $450 – $1,100 |
| 33991 | SW Cape (Santa Barbara corridor) Mostly inland X zone. Private carriers frequently beat NFIP by 30–40%. | X, AE | $650 – $1,300 | $420 – $1,000 |
| 33909 | NE Cape (Del Prado, Averill) Newer developments, higher elevations. Check individual lot elevation vs BFE. | X, AE | $750 – $1,500 | $480 – $1,150 |
| 33993 | NW Cape (Burnt Store, Old Burnt Store) Coastal VE exposure on western edge; wave-action zones significantly raise NFIP pricing. | AE, VE | $2,100 – $4,800 | $1,300 – $3,900 |
Ranges are indicative, not quotes. Cape Coral has thousands of individual elevation profiles; two homes on the same block often see 40%+ premium differences. Pull your exact number below.
How this tracker is built
- NFIP source. FEMA OpenFEMA Policy dataset (v2) — redacted per-policy records, filtered to Lee County 33xxx ZIPs, then aggregated by ZIP and flood zone to build full-risk premium bands.
- Private source. Live quote data we pull from Neptune, Wright Flood, TypTap, and Palomar for representative Cape Coral properties each quarter. We disclose these are our observed ranges, not a public dataset.
- Zone source. FEMA Map Service Center flood map panels for Cape Coral community #120061.
- Cadence. Refreshed every quarter following FEMA and Florida OIR data releases. Historical snapshots kept internally for trend tracking.
Want the exact number for your address?
Send us your Cape Coral address and elevation certificate (if you have one). We'll pull FEMA zone, quote NFIP full-risk plus 3–4 private carriers, and email the side-by-side same day.