Cape Coral Homes in Flood Zone X
We don’t write our reviews. Our clients do. Read them on Google, Zillow, and Realtor.com.
Cape Coral Homes in Flood Zone X: what this search actually is.
Flood Zone X in Cape Coral means the mapped 0.2-percent-annual-chance area is outside the Special Flood Hazard Area. Lenders typically do not require flood insurance here the way they do in AE. That is not "never floods." It is a different insurance conversation.
This page is live inventory in Zone X, a transactional hub. The flood-map page is the educational instrument. If you searched "Cape Coral flood zone X homes" or "no mandatory flood insurance Cape Coral," this is the listings URL.
Zone X500 (the 0.2-percent / shaded-X band) is not the same as unshaded X. We pull the FEMA zone on the parcel, not a neighborhood rumor, before you treat a listing as "flood free."
Live Cape Coral listings mapped in FEMA Zone X. Not a flood-free promise, a different insurance conversation than AE.
Active listings matching this search in Cape Coral, counted October 7, 2026. Houses, condos and townhouses only. The 1,176 vacant lots also listed here are excluded, because counting dirt alongside houses pulls the median below what a house actually costs. Price per sq ft is the median of 200 mid-market listings with a stated living area. Source: our own MLS mirror, not a third-party estimate.
Updated 6 seconds ago, refreshed every 60 seconds
Zone X homes on the market now.
Live snapshot of active Cape Coral listings mapped in FEMA Zone X.
$199,900
1338 Weeping Willow CT
Listing courtesy of Paradise Real Estate & Rentals, LLC
$369,990
2104 NE 14th AVE
Listing courtesy of Christopher Alan Realty LLC
$319,900
409 NE 25th TER
Listing courtesy of Coldwell Banker Realty
$615,000
2227 SW 2nd TER
Listing courtesy of London Foster Realty
$1,225,000
6081 Silver King BLVD 503
Listing courtesy of Coldwell Banker Realty
$519,000
1204 SE 5th TER
Listing courtesy of Allison James Estates & Homes
Updated 7 seconds ago, refreshed every 60 seconds
Read more, or start over.
What buyers ask us about this search.
Does Zone X mean the house never floods?
No. It means it is outside the mapped Special Flood Hazard Area. Storm surge, rainfall, and drainage can still put water on a lot. We do not use "flood free" as a promise.
Will my lender skip flood insurance in Zone X?
Typically there is no federal mandate in unshaded X the way there is in AE. Your lender can still require a policy. Get the zone from the parcel and a quote, not from a listing remark.
Is this the same as the flood map page?
No. The flood map page explains AE, X, X500, and VE. This page is the live listings filter for Zone X.
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