@David Krulac  thanks, out of curiosity I called my insurance agent for flood quote $4442/year for basic building 100k coverage in flood zone area of AE! 

From media coverage and contributors on the forums, it looks like much of Cape Coral fared well (relatively speaking). 

Quote from @Carl Rowles: When you insure a SFH rental property, do you try to adjust and of the coverage amounts?

I can go out to my "surplus" carriers and get coverage. 

The challenge we're facing is the lack of short term rental data for the appraiser, and we won't know if it will meet the debt service coverage ratio (DSCR) requirements until the appraisal is complete.Has anyone dealt with a similar situation?

Proper is pricey but they are best in coverage.

If pool in ground is not an option or not in your budget, a quality above ground one could be a good route to go.I would definitely make sure you have an appropriate coverage.

The challenge we're facing is the lack of short term rental data for the appraiser, and we won't know if it will meet the debt service coverage ratio (DSCR) requirements until the appraisal is complete.Has anyone dealt with a similar situation?

@Heather Bailey When house hacking with a separate rental unit, ensure proper insurance by obtaining landlord or short-term rental coverage tailored for Airbnb activities, in addition to your primary residence policy.

It can be different as there are coverages offered specifically for STRs.