Estero Island falls entirely within a special flood hazard area on the flood insurance rate map. Section 6-441 of the Land Development Code requires the following:
Any property owner or property owner's authorized agent who intends to undertake any development activity within or partially within any flood hazard area (including buildings, structures and facilities exempt from the Florida Building Code) must first make application to the floodplain administrator, and the building official, if applicable, and must obtain the required permits and approvals. No such permit or approval will be issued until compliance with the requirements of the floodplain ordinance and all other applicable codes and regulations has been satisfied.
More information can be found in the floodplain ordinance:
For NFIP compliance measures, the Town requires a completed repair/improvement cost form (with the total cost, labor and materials, itemized for all repairs needed to bring the building back to its pre-damaged condition). Please include the completed form packet, along with required accompanying documentation, when submitting your building permit application using the IWorQ online permitting system request portal.
The repair/improvement cost form is found at the Building Services Applications and Forms page:
Only after issuance of a permit may construction commence. The permit applicant is responsible to request the applicable inspections using the IWorQ online permitting system during the construction process to confirm code compliance, when each phase of construction is complete, prior to concealing the work.
Each of the inspections must be passed by the inspector (deemed to be a code compliant installation) before the permit applicant may conceal the work (e.g. by pouring concrete, applying drywall, installing finished roofing material over the secondary water barrier, etc).