Cape Coral, FL Flood Zone Map
FEMA flood zone data for Cape Coral. The map below shows high-risk areas (FEMA Special Flood Hazard Areas) over local waterways and streets -- computed from the official FEMA National Flood Hazard Layer.
- High risk
- Moderate
- Lower risk
- Not mapped
Flood Zone Breakdown for Cape Coral
About 54% of the mapped area in Cape Coral falls within a FEMA Special Flood Hazard Area (high-risk or moderate-risk flood zone). The breakdown by zone:
- VE 32% Zone VE
- AE 22% Zone AE
- X 45% Zone X
Where Flooding Comes From in Cape Coral
Coastal and canal flooding (Caloosahatchee River, Charlotte Harbor, extensive canal network).
- Inlet Cnl
- Apache Lk
- Delano Cnl
- Anglers Cnl
- Barcelona Cnl
- San Pedro Cnl
- San Souci Cnl
- Hendry Cr E Frk
Flood Zone Details for Cape Coral
| Zone | Risk level | Area | Insurance |
|---|---|---|---|
| VE | Coastal high-hazard zone with wave action. This is the highest-risk designation -- expect storm surge plus breaking waves. | 32% | Flood insurance is required for federally backed mortgages and is especially important here. |
| AE | High-risk riverine or coastal flood zone with a computed base flood elevation (BFE). About a 1-in-100 chance of flooding each year. | 22% | Flood insurance is typically required for federally backed mortgages. |
| X | Lower-risk zone outside the 1% annual chance flood boundary. Flooding is still possible but less likely than in high-risk zones. | 45% | Flood insurance is not required but may still be a smart choice -- about 25% of flood claims come from lower-risk areas. |
Learn More About the Zones in Cape Coral
Check YOUR Exact Address in Cape Coral
The map above shows the broad flood zone picture for Cape Coral. Your specific property may be in a different zone -- the only way to know for certain is to check your exact address.