Flood Claims Map

Florida

Flood insurance claims in Lee County, Florida

FEMA records 48,496 National Flood Insurance Program claims in Lee County, Florida, since 1978, with $3.96 billion paid in total. The year with the most claims was 2022, with 28,889. As of 3 August 2026, 24.2% of homes here had an NFIP policy, and 47.5% of homes in the high-risk flood zone did.

NFIP claims on record48,496
Total paid$3.96 billion
Claims with a payment36,909
Homes with NFIP policy24.2%
High-risk zone homes insured47.5%
Residential policies in force84,120

Claims by year of loss

1978: 1219781979: 471980: 161981: 391982: 39919821983: 311984: 121985: 2911986: 619861987: 301988: 7001989: 291990: 619901991: 91992: 931993: 1441994: 719941995: 4151996: 521997: 311998: 6419981999: 632000: 1052001: 1,6092002: 3320022003: 702004: 4,2802005: 2472006: 4820062007: 152008: 912009: 222010: 2420102011: 392012: 542013: 582014: 1120142015: 282016: 512017: 2,5602018: 3320182019: 192020: 1702021: 372022: 28,88920222023: 1502024: 7,3232025: 262026: 8202628,889

NFIP claims by year of loss, Lee County, Florida

1978: $7,06619781979: $31,2011980: $9,4411981: $30,4361982: $565,24219821983: $87,4961984: $01985: $494,0211986: $33,95919861987: $18,7821988: $2.6 million1989: $84,3991990: $23,36919901991: $59,3971992: $377,1361993: $487,4441994: $019941995: $2.6 million1996: $183,0361997: $46,1331998: $52,97919981999: $90,6942000: $218,0852001: $17.6 million2002: $52,58020022003: $226,0432004: $45.8 million2005: $1.1 million2006: $365,80820062007: $4962008: $913,4452009: $3,5222010: $50,52320102011: $224,4572012: $182,1022013: $217,0512014: $020142015: $327,3972016: $412,5842017: $66.2 million2018: $150,34520182019: $23,0522020: $2.1 million2021: $90,4812022: $3.39 billion20222023: $2.1 million2024: $420.1 million2025: $55,2682026: $02026$3.39 billion

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Ian28,621
Hurricane Milton4,334
Hurricane Charley4,103
Hurricane Helene2,709
Hurricane Irma2,006
Torrential rain1,476
Flooding794
The 'No-Name Storm'359

ZIP codes with the most claims

ZIP code (as reported)Claims
339088,399
339317,644
339577,052
339143,663
339042,771
341342,315
339171,912
339051,718
339191,717
339561,529

46,261 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.55 billion, contents $400.7 million, increased cost of compliance $4.3 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone145,19568,93147.5%
All homes346,95184,12024.2%

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.