Charlotte County has been through two Category 4 hurricanes in eighteen years. Charley in 2004 damaged 80 percent of the buildings here. Ian came through in 2022. What that means for a buyer is that build year tells you almost nothing.
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Booking across Charlotte County and the wider service area.
(757) 240-9407Hurricane Charley made landfall at Cayo Costa on 13 August 2004 as a Category 4 and went through Charlotte County. It damaged roughly 80 percent of the buildings in the county and destroyed close to half the homes. One-third of the county’s schools were lost.
What replaced them went up to substantially better standards. When Ian made its second Florida landfall near Punta Gorda in September 2022 at 125 knots, the county fared markedly better than the Lee County coast — at least 200 homes destroyed, against more than five thousand in Lee. The damage here was wind rather than surge.
The practical consequence is that a Charlotte County house may be far stronger than its original build date suggests — or may be an original 1960s General Development Corporation house that came through both storms untouched and unimproved. Reading which is most of the work.
Each of these inspects differently. The city page explains what changes.
Across Charlotte County generally. The city pages get more specific.
It can, meaningfully, but only if it’s documented. The wind mitigation form is what turns stronger construction into an actual premium credit.
Permit history through Charlotte County is the authoritative record. From our side, the roof system, opening protection and connection details usually make it fairly clear.
Port Charlotte and Punta Gorda, including Punta Gorda Isles.
Charlotte County is one of three counties we cover. The hub has the full map and every community.
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