CBRA Flood Zones and Insurance on Cape San Blas: A Buyer's Guide | Port Realty Group
Posted by Billy Joe Smiley on
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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