Collier County Flood Insurance: What 10 Years of Claims Paid

Collier County holds 94,632 NFIP policies. If you are buying, refinancing or insuring a home in Collier County, the questions are the same ones Ian made real: what zone is the home in, what will it cost, and what do you do if the water comes in.

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Collier County flood insurance in 5 numbers

What does flood insurance cost in Collier County?

The average NFIP policy in Collier County costs $1,208 a year. That is an average per policy, and a condo unit counts as one policy. It is not your quote. Three things move your own price.

1. Same flood zone, very different prices. Your flood zone decides if a lender requires flood insurance. The price depends on the home itself: how high the first floor sits, what it would cost to rebuild, and how often that spot floods. Two homes on the same Collier County street can get very different prices. An elevation certificate may lower an NFIP price. A lender must also accept a private policy that meets the federal rules.

2. Which community your home is in. Unincorporated Collier County is its own NFIP community. FEMA's Community Rating System (CRS) list rates it Class 5, worth a 25% discount on NFIP premiums for eligible policies. Collier County joined the CRS in 1992 and has held its current class since October 1, 2015. That discount is for unincorporated Collier County only. Naples, Marco Island and Everglades City each run their own flood program and carry their own CRS class. Naples and Marco Island are also Class 5 (25%). Everglades City is Class 9 (5%).

Confirm your CRS credit is applied. Check your declarations page for the CRS credit. Check my address to confirm which community your Collier County home is in.

3. The claim record around you. Collier County has 14,761 NFIP claims on record since 1978, and 12,693 of them came in the last 10 years. That record is why lenders ask for proof of flood coverage, and why how often your own spot floods matters to the price.

Collier County flood zones: which 2 maps matter?

Two different maps answer two different questions in Collier County.

Zones that start with A or V are high-risk areas. A home there with a federally backed mortgage must carry flood insurance. Zone X has no federal requirement, but floods do not stop at map lines.

The current flood maps for Collier County, Naples and Marco Island took effect on February 8, 2024. The county's Local 2024 Coastal Flood Map shows those zones. New coastal maps proposed in 2026 are preliminary and not in effect yet. You can also find the official maps at the FEMA Flood Map Service Center.

Collier County emergency numbers

In an emergency, call 9-1-1. More help: Collier County Emergency Management and the county's Floodplain Management page.

Shelters. Collier County keeps a list of 27 potential public shelters. Only some open for each storm, based on risk, so a shelter on the list may not be open. The list includes:

• Immokalee: Immokalee High, 701 Immokalee Dr.; Immokalee Middle, 401 9th St.; Eden Park Elementary, 3650 Westclox St.; Highlands Elementary, 1101 Lake Trafford Rd.; Lake Trafford Elementary, 3500 Lake Trafford Rd.; Pinecrest Elementary, 313 9th St. S.; Village Oaks Elementary, 1601 SR 29.
• Naples mailing addresses, outside the City of Naples: Palmetto Ridge High, 1655 Victory Ln. (special needs shelter); Aubrey Rodgers High, 15100 Veterans Memorial Blvd.; Gulf Coast High, 7878 Shark Way; Golden Gate High, 2925 Titan Way; Lely High, 1 Lely High School Blvd.; Oakridge Middle, 14975 Collier Blvd.; Corkscrew Middle, 1165 County Rd. 858; Cypress Palm Middle, 4255 18th Ave. NE; Golden Gate Middle, 2701 48th Terrace SW; Big Cypress Elementary, 3250 Golden Gate Blvd. W; Corkscrew Elementary, 1065 Oil Well Rd.; Estates Elementary, 5945 Everglades Blvd. N; Golden Gate Elementary, 4911 20th Pl. SW; Golden Terrace Elementary North, 2711 44th Terrace SW; Laurel Oak Elementary, 7800 Immokalee Rd.; Lavern Gaynor Elementary, 2965 44th Terrace SW; Mike Davis Elementary, 3215 Magnolia Pond Dr.; Palmetto Elementary, 3000 10th Ave. SE; Sabal Palm Elementary, 4095 18th Ave. NE; Vineyards Elementary, 6225 Arbor Blvd. W.

Before you go, call Collier 311 at (239) 252-4311 or check the county's emergency page to see which shelters are open.

If your Collier County home floods: 5 steps

1. Stay safe. Do not walk or drive through flood water.
2. Take photos and video of every room before you clean up.
3. Call your insurance company and file the claim fast.
4. Make a list of damaged items. Keep receipts for cleanup and repairs.
5. Ask your building department about permits before you repair or rebuild. In unincorporated Collier County, call (239) 252-2942.

The 50% rule. If repairs cost 50% or more of the building's market value, federal rules call the home "substantially damaged." It must then be brought up to current flood rules, which can mean raising it. Ask your community how it counts the cost before you start work. Increased Cost of Compliance (ICC) coverage on an NFIP policy can help pay for that work.

5 storms behind Collier County's numbers

Three of these storms hit Collier County in one year, 2024. Ian alone paid more than the other four storms in this table put together.

See Florida's flood record since 1978, storm by storm and year by year

Also in Collier County

Collier County's two biggest cities run their own flood programs:

Naples

The City of Naples holds about 14,700 NFIP policies, and nearly 9 in 10 are rated in a high-risk A or V zone. In the last 10 years flood insurance paid about $570.3 million on about 4,100 claims in the city, and it has about 4,600 claims on record since 1978. FEMA does not mark the city on each policy, so these Naples numbers are built from Census neighborhoods (block groups) split by where the homes are. That is why they are rounded and say "about."

Naples is its own NFIP community. FEMA's CRS list rates it Class 5, worth a 25% discount on NFIP premiums for eligible policies, since April 1, 2025. For flood zone and permit questions inside the city, call the City of Naples at (239) 213-5039. Naples residents use the same county storm resources: the county's evacuation zone tool, Collier 311 at (239) 252-4311, and the county shelter list above, where only some shelters open for each storm.

Marco Island

The City of Marco Island holds 15,870 NFIP policies, and 95.9% of them are rated in a high-risk A or V zone. The average NFIP premium is $1,328 per policy. In the last 10 years flood insurance paid $52,544,177 on 1,838 claims in the city, and it has 2,149 claims on record since 1978. Marco Island is its own NFIP community, rated Class 5 (25%) since October 1, 2023. For flood zone questions in the city, call the City of Marco Island at (239) 389-3947.

Also in Collier County: Everglades City, Immokalee, Golden Gate, Ave Maria and Goodland.

Buying or closing in Collier County? Read this first

If the home is in a high-risk zone and you have a federally backed mortgage, your lender will ask for proof of flood insurance before closing. Ask the seller for an elevation certificate, ask what the home's flood claims were after Ian, and ask whether the seller's flood policy can be assigned to you at closing.

NFIP flood policies have a 30-day waiting period. The big exception: if you buy the policy as part of getting, refinancing, increasing, extending or renewing a loan on the home, coverage can start at closing with no wait, as long as the application and payment are in by closing. If a new flood map just put your home in a high-risk zone, you can buy within 13 months of the map date and wait only one day. A lender asking for flood coverage partway through an existing loan does not skip the wait. Private flood policies set their own waiting periods, often shorter. Collier County's February 8, 2024 maps are past that 13-month window.

All major lenders accept private flood insurance under federal guidelines. The policy has to meet the federal definition of private flood insurance, so look for that statement on the policy or ask your lender. Private flood can cost less for some Collier County homes and more for others. What a lender can require.

Buying in Collier County? Start with the buyer guide

Collier County flood insurance: 6 questions

How much is flood insurance in Collier County? The NFIP average is $1,208 per policy, from FEMA records as of July 2026. Condo units count one each, so a single-family home can pay much more or less. Your price depends on your home.

Does Collier County get a flood insurance discount? Yes, for unincorporated Collier County. FEMA rates it Class 5 in the Community Rating System, worth 25% off NFIP premiums for eligible policies. Naples, Marco Island and Everglades City each have their own CRS class.

How much did Hurricane Ian cost in Collier County flood claims? NFIP paid $922,366,912 on 7,805 flood claims in Collier County for Hurricane Ian. That is 83% of all NFIP claim dollars paid in Collier County in the last 10 years.

How long is the wait for a new flood policy in Collier County? 30 days for a standard NFIP purchase. No wait when the policy is bought as part of getting, refinancing, increasing, extending or renewing a loan on the home. One day when a new flood map just placed the home in a high-risk zone (within 13 months of the map date).

What evacuation zone am I in? Look it up on Collier County's Hurricane Evacuation Zones tool, or call Collier 311 at (239) 252-4311. Your evacuation zone is not your FEMA flood zone.

Do I need flood insurance in zone X in Collier County? A lender does not have to require it in zone X. Many owners buy it anyway, because storm surge and rain flood homes outside high-risk zones too.

Explore Florida flood guides

• Florida flood insurance: the state picture
• Lee County flood insurance: the county just north
• Miami-Dade County flood insurance: across the Everglades
• Pinellas County flood insurance: up the Gulf coast
• Florida commercial flood insurance: for business owners
• The 30-day wait and its exceptions
• Flood insurance questions, answered

Sources: OpenFEMA NFIP policies and claims (FEMA, data as of July 4, 2026; Naples split by Census block group and 2020 housing units, rounded where the split is an estimate); FEMA CRS Eligible Communities list, October 1, 2026 (Collier County row, read October 24, 2026); FEMA NFIP Community Status Book (read November 4, 2026); Collier County Emergency Management, Bureau of Emergency Services, Floodplain Management, potential shelter list and evacuation zone pages (read November 3 and 4, 2026); U.S. Census ACS 2024.

Lender says you need flood insurance? Read what the law requires and what you still choose.

Own a business, condo or apartment building in Collier County? Read the Florida commercial flood insurance guide.

Page data last verified 2026-11-05. Every figure links to the federal or county record it came from.