About FL Homeowner

Why this site exists

Florida is its own animal. Homestead exemptions. Save Our Homes caps. Wind mitigation discounts. Citizens versus the private market. Evacuation zones that change every few years. FEMA flood maps that decide whether you need an extra $3,000/year in insurance. Permit fees that vary block by block.

Most online calculators are generic — they treat Florida like Ohio. The official county sites have the right data but bury it under PDFs and broken search forms. Buyers, sellers, and homeowners end up guessing or paying someone to look it up.

FL Homeowner is the resource we wanted to send our own clients to. One clean URL per question, real Florida-specific math, no signup, no spam, no "please call us for a quote" gating.

What you'll find here

• Flood Zone Lookup — the FEMA flood zone for any Florida address, with plain-English explanation of what it means.
• Property Tax Calculator — estimated annual property tax for any Florida county, with homestead and Save Our Homes factored in.
• Hurricane Evacuation Zone Lookup — your evac zone before the next storm forms.
• More tools coming — wind mitigation discounts, permit fees, portability calculator, and others as we ship them.

Who's behind it

FL Homeowner is operated by a Broward County, Florida real estate professional and technology builder. The site grew out of years of answering the same questions for buyers and sellers in the South Florida luxury market. If a tool helps you, that's the goal. If you eventually need a real estate referral in Broward County, we can help with that too.

Our data sources

We pull data from authoritative public sources and cite them where relevant:

• Flood zones: FEMA National Flood Hazard Layer (NFHL)
• Property tax rates: Florida Department of Revenue and individual county property appraisers
• Evacuation zones: Florida county emergency management GIS services
• Geocoding: OpenStreetMap Nominatim

How we make money

Display advertising via Google AdSense and occasional referrals to licensed Florida professionals (real estate agents, insurance agents) when a user explicitly asks for an introduction. We never sell your information, and we don't put data behind a paywall. The tools stay free.

Important caveat

Every tool on this site is an estimate. We do our best to use authoritative data, but rates change, maps update, and every property has its own specifics. Before making a financial, insurance, or evacuation decision, verify with the appropriate official source or licensed professional. See our Terms of Use for more.

Contact

Have a tool idea? Spotted a bug? Want to suggest a county data source we're missing? Email contact@flhomeowner.com — we read every message.