This page is about the City of Naples, 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 Naples flood insurance in 5 numbers
| The short version | City of Naples | Source |
|---|---|---|
| NFIP policies in force | about 14,700 | FEMA policy records, July 2026 |
| Policies rated in an A or V zone | about 88% | FEMA policy records, July 2026 |
| Average NFIP premium | about $1,635 per policy | FEMA policy records, July 2026 |
| Claims paid, last 10 years | about $570.3 million on about 4,140 claims | FEMA claim records, July 2026 |
| CRS discount | 25%, Class 5, since April 1, 2025 | FEMA Community Status Book |
FEMA does not mark the city on each policy. These Naples numbers are built from Census neighborhoods (block groups) split by where the homes are, and some neighborhoods cross the city line. That is why they are rounded and say "about."
What does flood insurance cost in the City of Naples?
The average NFIP policy in the City of Naples costs about $1,635 a year. Read that number with care. It is an average per policy, and condo units count one each. The city has about 14,700 policies on about 5,750 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 Naples 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 Naples's own 25% discount. The City of Naples 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 April 1, 2025. Unincorporated Collier County, Marco Island 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 Naples limits, check your declarations page for the CRS credit. Many homes with a Naples mailing address sit outside the city, in unincorporated Collier County. Check my address to confirm which community your home is in.
3. The claim record around you. The City of Naples has about 4,580 NFIP claims on record all time, and about 4,140 of them came in the last 10 years. Most of the city's flood claims are recent. That record is why lenders ask for proof of flood coverage, and why how often your own spot floods matters to the price.
Naples flood zones: which 2 maps matter?
Two different maps answer two different questions in the City of Naples.
| 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 Naples 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 Naples flood contact | (239) 213-5039 | Flood zone and permit 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 Naples, 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 Naples limits. Many have a Naples mailing address but sit outside the city.
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 the Naples area 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 Naples 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 Naples about permits before you repair or rebuild. Its flood contact is (239) 213-5039.
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 Naples 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 Naples's own 10-year total is the figure above, about $570.3 million.
| 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 Naples? Read this first
Nearly 9 in 10 City of Naples 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, 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. Naples'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 Naples homes and more for others. What a lender can require.
Buying in Naples? Start with the buyer guide
City of Naples flood insurance: 6 questions
How much is flood insurance in Naples? The NFIP average is about $1,635 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 Naples get a flood insurance discount? Yes. FEMA rates the City of Naples Class 5 in the Community Rating System, worth 25% off NFIP premiums for eligible policies, since April 1, 2025.
Is the Naples discount the same as the rest of Collier County? No. The City of Naples is its own NFIP community with its own class. Unincorporated Collier County, Marco Island and Everglades City have their own. A Naples mailing address does not always mean the home is inside the city.
How long is the wait for a new flood policy in Naples? 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 Naples? 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
- Marco Island 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 Naples by Census block group); FEMA NFIP Community Status Book, City of Naples 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 Naples? Read the Florida commercial flood insurance guide.
Page data last verified 2026-11-06. Every figure links to the federal or county record it came from.