Big savings are on the horizon for Fort Myers homeowners - and it’s all thanks to some proactive work by the city. Back in January 2025, the City of Fort Myers announced it had earned a new Class 6 rating through FEMA’s Community Rating System (CRS) — and with it comes a 20% discount on National Flood Insurance Program (NFIP) premiums.
The best part?
✅ No forms to fill out
✅ No special requirements
✅ The discount applies automatically starting October 1, 2025
🧠 What’s the CRS — and Why Did Fort Myers Get This?
FEMA’s Community Rating System (CRS) rewards cities that go above and beyond when it comes to reducing flood risk and protecting residents.
Fort Myers earned its improved rating by:
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Upgrading its drainage systems
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Enforcing stronger building codes
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Educating the public on flood awareness
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Planning for long-term flood resilience
Because of these steps, Fort Myers was bumped up to Class 6, unlocking a 20% flood insurance discount for every property owner with an NFIP policy inside city limits.
💸 What This Means for Homeowners
Let’s say you currently pay $2,000/year for flood insurance through NFIP.
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Before: Fort Myers residents received a 5% discount → $1,900/year
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After Oct 1, 2025: That discount jumps to 20% → $1,600/year
That’s an extra $300/year in savings, and over time, that adds up — especially when you factor in the rising cost of insurance across Florida.
🏡 Why Buyers and Sellers Should Pay Attention
For buyers, this discount helps offset flood insurance costs and can make previously “too expensive” homes more affordable.
For sellers, it's a new talking point — especially if your property is located in a flood zone. Lower ownership costs = more buyer confidence.
Even if you’re not planning a move, this kind of automatic annual savings makes a difference.
✅ What Should You Do?
If you already have an NFIP policy and live in Fort Myers, you don’t need to do a thing. The discount will automatically apply when your policy renews after October 1, 2025.
If you’re curious how this might impact your future real estate plans - we’re here to help.
📞 Call us at (239) 303-9108