In Florida's Housing Market, Insurance-Free Homes Become Big Selling Point

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Florida homeowners selling their homes are boasting about their properties not needing flood insurance in an attempt to attract buyers.

A significant number of Florida's homeowners and agents trying to offload their properties are trying to attract buyers with the promise of not having to pay for flood insurance—an appealing prospect as the state faces an ongoing insurance crisis.As of Thursday morning, there were a total of 206,887 homes listed for sale by agents on Zillow and 8,886 listed by owners and others, including all types of property .

The letters 'X,' 'B,' or 'C' are used to describe low- and moderate-risk flood zones outside of the Special Flood Hazard Area as defined by the Federal Emergency Management Agency . Residents of these zones are not required to pay for flood insurance coverage. In an 'X' zone, the annual flood risk is between 1 percent and 0.2 percent. This doesn't mean that this area would never flood, but it's very unlikely it would.

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