FEMA planned to update Estero's 2008 flood insurance rate maps as development increased around the southern branch of the Estero River. A preliminary map published by the agency in 2014 showed ...

Robert Norberg of Arden Insurance explains why all residents in Florida need to have flood insurance. If you are in a low risk zone, Norberg said you can likely get a policy for $600 a year.

Go to the website and click on Know Your Zone Map and enter your address. If your home is in one of the colored areas, those are flood zones where you may be asked to evacuate by local officials.

If you’re a homeowner in Florida relying on flood zone maps to decide whether to buy insurance, you may want to check your driver license instead. “If it says Florida, you need flood insurance ...