FloodMaps
Map of FEMA flood zones in Collier CountyTap the map to explore

County · Flood risk

Check any address in Collier County

Quick facts

Homes on the tax roll

222,338

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Feb 2024

First flood map 1979

Flood insurance discount

25% off

Collier County, Community Rating System Class 5

Most flood claims in one storm

7,801

Hurricane Ian 2022, 6,020 paid

Homes with water, FEMA aid

5,150

Aid registrations reporting water inside, Hurricane Ian 2022

New FEMA maps

Preliminary

Draft zones FEMA has released for review

Sinkhole reports

4

Florida Geological Survey, mostly unverified

Past storms in Collier County

National Flood Insurance Program claims and FEMA aid registrations that reported water inside the home, for the whole county.

Flood claims and FEMA aid by storm in Collier County
StormClaimsPaidAid, water inside
Hurricane Irma 20172,6611,2812,209
Hurricane Sally 20201440
Hurricane Ian 20227,8016,0205,150
Hurricane Idalia 20231050
Hurricane Debby 20242517–
Hurricane Helene 2024428284113
Hurricane Milton 20241,288961531

Frequently asked questions

Do I need flood insurance in Collier County?

Lenders require flood insurance on a federally backed mortgage when the building is in one of FEMA's high-risk zones, the ones starting with A or V. The map that sets those zones in Collier County took effect on February 8, 2024. Outside those zones insurance is optional, but claims come from moderate- and low-risk zones too, so it's worth checking the zone and the floor height of the exact home.

When was the FEMA flood map for Collier County last updated?

The flood map in effect for Collier County took effect on February 8, 2024. The county's first flood map dates to September 14, 1979. FEMA has released preliminary maps for parts of the county; they don't change insurance requirements until they're adopted and take effect.

Is there a flood insurance discount in Collier County?

Collier County is in FEMA's Community Rating System at Class 5, which takes 25% off National Flood Insurance Program premiums for policies inside the high-risk flood zone. Classes run from 10 to 1, and each step down adds 5% off.

Which storms flooded Collier County the most?

By National Flood Insurance Program claims across Collier County, the worst recent storms were Hurricane Ian 2022 (7,801 claims, 6,020 paid), Hurricane Irma 2017 (2,661 claims, 1,281 paid), and Hurricane Milton 2024 (1,288 claims, 961 paid). After Hurricane Ian 2022, 5,150 FEMA aid registrations in the county reported water inside the home. Claims only count insured homes, so the real number of flooded homes is higher.

What causes flooding in Collier County?

On the Gulf coast, the worst floods come from hurricane storm surge pushed into bays, canals, and river mouths, and from heavy rain that can't drain while the tide is high. The storms we track for Southwest Florida are Hurricane Irma 2017, Tropical Storm Eta 2020, Hurricane Ian 2022, Hurricane Idalia 2023, South Florida flood June 2024, Hurricane Debby 2024, Hurricane Helene 2024, and Hurricane Milton 2024. Collier County has about 222,000 homes on the state tax roll.

Collier County includes Naples and Marco Island on the Gulf, with Big Cypress and the western Everglades inland.

Collier County has about 222,000 homes on the state tax roll. The FEMA flood map in effect for Collier County took effect on February 8, 2024; the county's first flood map dates to 1979. The storm that left the most flood insurance claims in the county was Hurricane Ian 2022, with 7,801, followed by Hurricane Irma 2017 with 2,661. Collier County is in FEMA's Community Rating System at Class 5, which takes 25% off National Flood Insurance Program premiums for policies inside the high-risk flood zone.

On the Gulf coast, the worst floods come from hurricane storm surge pushed into bays, canals, and river mouths, and from heavy rain that can't drain while the tide is high. The storms we track for Southwest Florida are Hurricane Irma 2017, Tropical Storm Eta 2020, Hurricane Ian 2022, Hurricane Idalia 2023, South Florida flood June 2024, Hurricane Debby 2024, Hurricane Helene 2024, and Hurricane Milton 2024.

Search any address in Collier County for a free report: its FEMA flood zone and whether insurance is required, its risk level, and its floor height against the flood line. The full report adds a 0 to 100 risk score, the flood insurance cost, the home's record in each storm we track, and a PDF to share.

Compiled by FloodMaps from FEMA, state, and county records. Data dates: 2026 county tax roll (preliminary values); flood claims and FEMA aid for storms from 2016 through Hurricane Milton (October 2024); FEMA map dates and insurance discounts as of October 8, 2026.

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