Flood Claims Map

Florida

Flood insurance claims in Collier County, Florida

FEMA records 14,773 National Flood Insurance Program claims in Collier County, Florida, since 1978, with $1.13 billion paid in total. The year with the most claims was 2022, with 7,903. As of 3 August 2026, 29.5% of homes here had an NFIP policy.

NFIP claims on record14,773
Total paid$1.13 billion
Claims with a payment10,330
Homes with NFIP policy29.5%
High-risk zone homes insuredn/a
Residential policies in force51,467

Claims by year of loss

1978: 219781979: 141980: 61981: 51982: 6419821983: 131984: 71985: 651986: 519861987: 261988: 471989: 51990: 019901991: 111992: 1371993: 471994: 319941995: 3001996: 181997: 31998: 3219981999: 732000: 92001: 1792002: 920022003: 482004: 752005: 6432006: 1220062007: 62008: 502009: 152010: 1120102011: 152012: 212013: 342014: 3920142015: 162016: 142017: 2,7852018: 2120182019: 102020: 452021: 172022: 7,90320222023: 482024: 1,8472025: 112026: 720267,903

NFIP claims by year of loss, Collier County, Florida

1978: $29,80619781979: $7,1411980: $2,5001981: $1,8011982: $156,30419821983: $9,8531984: $2,9881985: $130,1831986: $5,90419861987: $28,2831988: $244,5251989: $01990: $019901991: $2,9101992: $194,1421993: $107,0901994: $019941995: $1.5 million1996: $276,1991997: $01998: $73,25619981999: $303,0962000: $02001: $2.0 million2002: $16,72520022003: $158,3042004: $1.1 million2005: $6.2 million2006: $1,06720062007: $02008: $253,0652009: $17,1162010: $020102011: $33,0332012: $13,5762013: $137,9422014: $736,84320142015: $218,8642016: $49,3162017: $61.4 million2018: $16,18920182019: $02020: $236,6302021: $8,2282022: $922.2 million20222023: $273,5582024: $129.3 million2025: $93,3052026: $02026$922.2 million

Paid on claims by year of loss (building, contents and increased cost of compliance), Collier County, Florida

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Ian7,813
Hurricane Irma2,663
Hurricane Milton1,351
Hurricane Wilma572
Hurricane Helene441
Torrential rain135
Hurricane Andrew112
Flooding65

ZIP codes with the most claims

ZIP code (as reported)Claims
341023,181
341452,015
341031,627
341121,589
341081,524
34104954
34110817
34113626
34134396
34114342

13,693 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.00 billion, contents $124.2 million, increased cost of compliance $1.3 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone15238,559n/a
All homes174,17451,46729.5%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.