This page is about the City of Marco Island, not all of Collier County. The city runs its own flood program, so it has its own discount and its own claim record. For the countywide picture, see the Collier County flood insurance guide.
City of Marco Island flood insurance in 5 numbers
| The short version | City of Marco Island | Source |
|---|---|---|
| NFIP policies in force | 15,870 | FEMA policy records, July 2026 |
| Policies rated in an A or V zone | 95.9% | FEMA policy records, July 2026 |
| Average NFIP premium | $1,328 per policy | FEMA policy records, July 2026 |
| Claims paid, last 10 years | $52,544,177 on 1,838 claims | FEMA claim records, July 2026 |
| CRS discount | 25%, Class 5, since October 1, 2023 | FEMA Community Status Book |
What does flood insurance cost in the City of Marco Island?
The average NFIP policy in the City of Marco Island costs $1,328 a year. Read that number with care. It is an average per policy, and condo units count one each. The city has 15,870 policies on 6,540 policy records, because one condo building policy can cover many units. That pulls the average down. It is not what a typical single-family home pays. 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 Marco Island 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. The City of Marco Island's own 25% discount. The City of Marco Island is its own NFIP community. It earns its own Community Rating System (CRS) score. FEMA's Community Status Book rates the city Class 5, worth a 25% discount on NFIP premiums for eligible policies. The class took effect on October 1, 2023. Unincorporated Collier County, Naples and Everglades City have their own classes, so two Collier addresses can get different discounts. Under Risk Rating 2.0 the city's discount applies city-wide.
Confirm your 25% credit is applied. If your home is inside City of Marco Island limits, check your declarations page for the CRS credit. Check my address to confirm which community your home is in.
3. The claim record around you. The City of Marco Island has 2,149 NFIP claims on record all time, and 1,838 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.
Marco Island flood zones: which 2 maps matter?
Two different maps answer two different questions in the City of Marco Island.
| FEMA flood zone | Collier County evacuation zone |
|---|---|
| Decides if your lender can require flood insurance | Tells you when to leave before a storm |
| Look up your FEMA zone | Hurricane Evacuation Zones (Collier County tool) |
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 see the official maps at the FEMA Flood Map Service Center. Your evacuation zone is a different map. Find it on the county's Hurricane Evacuation Zones tool.
Collier County and Marco Island emergency numbers
| Who | Phone | What they handle |
|---|---|---|
| Collier County Emergency Management (Bureau of Emergency Services) | (239) 252-3600 | Evacuation orders, storm plans, shelters |
| City of Marco Island flood contact | (239) 389-3947 | Flood zone questions inside the city |
| Call Collier 311 | (239) 252-4311 | County information, open shelters during a storm |
In an emergency, call 9-1-1. More help: Collier County Emergency Management. The city number comes from the city contacts on the county's Floodplain Management page. Flood rules and permits inside the city belong to the City of Marco Island, not the county.
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. None of them is inside City of Marco Island limits.
These are Collier County shelters outside the city. Two on the list are Lely High, 1 Lely High School Blvd., Naples; and Palmetto Ridge High, 1655 Victory Ln., Naples, the special needs shelter. The others are in Naples and Immokalee. See the full Collier County shelter list. Before you go, call Collier 311 at (239) 252-4311 to see which shelters are open.
If your Marco Island home floods: 5 steps
- Stay safe. Do not walk or drive through flood water.
- Take photos and video of every room before you clean up.
- Call your insurance company and file the claim fast.
- Make a list of damaged items. Keep receipts for cleanup and repairs.
- Ask the City of Marco Island about permits before you repair or rebuild. Its flood contact is (239) 389-3947.
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. The City of Marco Island runs its own flood rules, so ask the city 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 Collier County storms behind these numbers
Claims by storm are kept for the whole county, not the city alone. These are Collier County figures. The City of Marco Island's own 10-year total is the $52,544,177 above.
| Storm | Year | NFIP claims in Collier County | Paid in Collier County |
|---|---|---|---|
| Hurricane Ian | 2022 | 7,805 | $922,366,912 |
| Hurricane Milton | 2024 | 1,351 | $99,691,853 |
| Hurricane Irma | 2017 | 2,663 | $60,492,475 |
| Hurricane Helene | 2024 | 440 | $27,552,007 |
| Hurricane Debby | 2024 | 26 | $718,354 |
Hurricane Ian alone paid $922,366,912 on 7,805 NFIP claims across Collier County in 2022, more than the other four storms in this table put together. Three of these storms hit Collier County in one year, 2024.
Buying or closing in Marco Island? Read this first
More than 9 in 10 City of Marco Island policies sit in a high-risk zone. If your home is in one 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 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. Marco Island'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 Marco Island homes and more for others. What a lender can require.
Buying in Marco Island? Start with the buyer guide
City of Marco Island flood insurance: 6 questions
How much is flood insurance in Marco Island? The NFIP average is $1,328 per policy, per FEMA records from 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 the City of Marco Island get a flood insurance discount? Yes. FEMA rates the City of Marco Island Class 5 in the Community Rating System, worth 25% off NFIP premiums for eligible policies, since October 1, 2023.
Is the Marco Island discount the same as the rest of Collier County? No. The City of Marco Island is its own NFIP community with its own class. Unincorporated Collier County, Naples and Everglades City have their own.
How long is the wait for a new flood policy in Marco Island? 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 Marco Island? A lender does not have to require it in zone X. Many owners buy it anyway, because rain floods homes outside high-risk zones too.
Explore Collier County and Florida flood guides
- Collier County flood insurance: the county numbers, storms and contacts
- Naples flood insurance: the other Collier city with its own flood program
- Bonita Springs flood insurance: the Lee County city just north
- Florida flood insurance: the state picture
- The 30-day wait and its exceptions
- Flood insurance questions, answered
Sources: OpenFEMA NFIP policies and claims (FEMA, data as of July 4, 2026, split to the City of Marco Island by Census block group); FEMA NFIP Community Status Book, City of Marco Island row (read November 4, 2026); Collier County Emergency Management, Emergency Assistance and Potential Shelter List (read November 4, 2026); Collier County Floodplain Management page (read November 4, 2026); U.S. Census 2020 and 2024 Gazetteer, Census Geocoder (no shelter inside city limits, read November 5, 2026).
Lender says you need flood insurance? Read what the law requires and what you still choose.
Own a business, condo or apartment building in Marco Island? 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.