Found 2 blog entries tagged as Flood zones.

Is Cape San Blas a Good Vacation Rental Investment in 2026?

Gulf front vacation rentals on Cape San Blas are generating six figures in gross annual income, with top performing properties earning $200,000 or more per year. The 2026 market has shifted clearly toward buyers. Prices are off recent peaks, inventory is climbing, and sellers have flexibility they haven't shown in years. The $34.5 million beach nourishment and breakwater project just completed, stabilizing the peninsula's shoreline for the long term. For investors who choose the right flood zone, the insurance cost advantage alone can add $10,000 or more to the bottom line annually.

This is what the investment case looks like right now.

By Billy Joe Smiley | June 2, 2026

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What Do Cape San Blas Buyers Need to Know About CBRA Flood Zones and Insurance?

The majority of Cape San Blas sits within a Coastal Barrier Resources Act (CBRA) zone, which means properties there cannot be insured through FEMA's National Flood Insurance Program. Private flood insurance is the only option, and costs vary significantly by flood zone: Zone VE (Gulf-front, wave action) typically runs $5,000 to $20,000 or more per year on a high-value coastal property, Zone AE (bayfront, lower-lying parcels) runs $2,000 to $10,000, and Zone X (low risk, elevated) runs $400 to $1,200 with no mandatory requirement. Knowing the flood zone, the CBRA status, and whether a LOMA might apply before you make an offer means the insurance picture is expected…

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