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

County · Flood risk

Check any address in Lee County

Quick facts

Homes on the tax roll

394,156

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Nov 2022

First flood map 1984

Flood insurance discount

25% off

Lee County, Community Rating System Class 5

Most flood claims in one storm

28,543

Hurricane Ian 2022, 22,272 paid

Homes with water, FEMA aid

22,589

Aid registrations reporting water inside, Hurricane Ian 2022

New FEMA maps

Adopted, not yet in effect

Pending maps will replace today's zones

Sinkhole reports

11

Florida Geological Survey, mostly unverified

Past storms in Lee 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 Lee County
StormClaimsPaidAid, water inside
Hurricane Irma 20172,0061,0674,046
Hurricane Sally 202097540
Tropical Storm Eta 20204229–
Hurricane Ian 202228,54322,27222,589
Hurricane Idalia 20235232–
South Florida flood June 20246542–
Hurricane Debby 20249565–
Hurricane Helene 20242,5742,2041,215
Hurricane Milton 20244,0863,2512,131

Frequently asked questions

Do I need flood insurance in Lee 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 Lee County took effect on November 17, 2022. 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 Lee County last updated?

The flood map in effect for Lee County took effect on November 17, 2022. The county's first flood map dates to September 19, 1984. FEMA has adopted newer maps for parts of the county that haven't taken effect yet; until they do, the current map sets insurance requirements.

Is there a flood insurance discount in Lee County?

Lee 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 Lee County the most?

By National Flood Insurance Program claims across Lee County, the worst recent storms were Hurricane Ian 2022 (28,543 claims, 22,272 paid), Hurricane Milton 2024 (4,086 claims, 3,251 paid), and Hurricane Helene 2024 (2,574 claims, 2,204 paid). After Hurricane Ian 2022, 22,589 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.

Are there sinkholes in Lee County?

The Florida Geological Survey has 11 subsidence reports on file for Lee County. Most reports were never verified, and a report near a home doesn't mean the ground under it is unstable. The full report lists the nearest ones.

Lee County holds Fort Myers, Cape Coral, Sanibel, and Fort Myers Beach; Hurricane Ian came ashore here in 2022 with more than 10 feet of storm surge on the barrier islands.

Lee County has about 394,000 homes on the state tax roll. The FEMA flood map in effect for Lee County took effect on November 17, 2022; the county's first flood map dates to 1984. The storm that left the most flood insurance claims in the county was Hurricane Ian 2022, with 28,543, followed by Hurricane Milton 2024 with 4,086. Lee 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 Lee 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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