Flood Help Guide

Collier County flood history

Florida · From FEMA's flood insurance and disaster data · Updated 2026-10-08

14,773NFIP flood claims since 1978
$1.1 billionPaid on those claims
$118,674Average paid claimlast 10 years
29.5%Homes with NFIP flood insurance
7Flood disaster declarationssince 2000

FEMA's National Flood Insurance Program (NFIP) data lists 14,773 flood insurance claims in Collier County, Florida since 1978. The NFIP paid $1.1 billion on them (building, contents and Increased Cost of Compliance payments, in the dollars of the year paid).

The year with the most claims was 2022, with 7,903, mostly from Hurricane Ian.

In the last ten years (2017–2026) there were 12,694 claims, and the average paid claim was $118,674.

7% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).

About 29.5% of homes in Collier County, Florida had an NFIP flood policy in FEMA's latest count (51,467 of 174,174 residential buildings).

Since 2000, FEMA has made 7 flood-related disaster declarations covering Collier County, Florida. The most recent was DR-4834-FL (Hurricane Milton), declared October 11, 2024.

NFIP claims by year

NFIP flood claims per year in Collier County, Florida02.5k5k7.5k10k1978: 2 claims, $29,806 paid1979: 14 claims, $7,141 paid1980: 6 claims, $2,500 paid19801981: 5 claims, $1,801 paid1982: 64 claims, $156,304 paid1983: 13 claims, $9,853 paid1984: 7 claims, $2,988 paid1985: 65 claims, $130,183 paid1986: 5 claims, $5,904 paid1987: 26 claims, $28,283 paid1988: 47 claims, $244,525 paid1989: 5 claims, $0 paid19901991: 11 claims, $2,910 paid1992: 137 claims, $194,142 paid1993: 47 claims, $107,090 paid1994: 3 claims, $0 paid1995: 300 claims, $1.5 million paid1996: 18 claims, $276,199 paid1997: 3 claims, $0 paid1998: 32 claims, $73,256 paid1999: 73 claims, $303,096 paid2000: 9 claims, $0 paid20002001: 179 claims, $2.0 million paid2002: 9 claims, $16,725 paid2003: 48 claims, $158,304 paid2004: 75 claims, $1.1 million paid2005: 643 claims, $6.2 million paid2006: 12 claims, $1,067 paid2007: 6 claims, $0 paid2008: 50 claims, $253,065 paid2009: 15 claims, $17,116 paid2010: 11 claims, $0 paid20102011: 15 claims, $33,033 paid2012: 21 claims, $13,576 paid2013: 34 claims, $137,942 paid2014: 39 claims, $736,843 paid2015: 16 claims, $218,864 paid2016: 14 claims, $49,316 paid2017: 2,785 claims, $61.4 million paid2018: 21 claims, $16,189 paid2019: 10 claims, $0 paid2020: 45 claims, $236,630 paid20202021: 17 claims, $8,228 paid2022: 7,903 claims, $922.2 million paid2023: 48 claims, $273,558 paid2024: 1,847 claims, $129.3 million paid2025: 11 claims, $93,305 paid2026: 7 claims, $0 paid
Claims per year of loss. Hover or tap a bar for details.
Show as a table
YearClaimsPaid
20267$0
202511$93,305
20241,847$129.3 million
202348$273,558
20227,903$922.2 million
202117$8,228
202045$236,630
201910$0
201821$16,189
20172,785$61.4 million
201614$49,316
201516$218,864
201439$736,843
201334$137,942
201221$13,576
201115$33,033
201011$0
200915$17,116
200850$253,065
20076$0
200612$1,067
2005643$6.2 million
200475$1.1 million
200348$158,304
20029$16,725
2001179$2.0 million
20009$0
199973$303,096
199832$73,256
19973$0
199618$276,199
1995300$1.5 million
19943$0
199347$107,090
1992137$194,142
199111$2,910
19895$0
198847$244,525
198726$28,283
19865$5,904
198565$130,183
19847$2,988
198313$9,853
198264$156,304
19815$1,801
19806$2,500
197914$7,141
19782$29,806

Named flood events

EventYearClaimsPaid
Hurricane Ian20227,813$921.0 million
Hurricane Milton20241,351$100.3 million
Hurricane Irma20172,663$60.4 million
Hurricane Helene2024441$27.7 million
Hurricane Wilma2005572$5.6 million
Torrential rain2001135$1.7 million
Hurricane Charley200462$1.1 million
Hurricane Debby202426$718,354

How many homes have flood insurance

FEMA counts 51,467 residential NFIP policies in Collier County, against 174,174 residential buildings (29.5%). Of the 152 residential buildings in high-risk flood zones (Special Flood Hazard Areas), 38,559 have an NFIP policy (25368%). Private flood policies aren't in these counts.

Whether you're required to carry flood insurance depends on your flood zone and your mortgage. See do I need flood insurance?

Flood-related disaster declarations

DeclarationDeclaredEventHelp for individuals
DR-4834-FL Oct 11, 2024 Hurricane Milton Yes
EM-3615-FL Sep 24, 2024 Tropical Storm Helene No
EM-3605-FL Aug 3, 2024 Tropical Storm Debby No
DR-1785-FL Aug 24, 2008 Tropical Storm Fay Yes
EM-3288-FL Aug 21, 2008 Tropical Storm Fay No
DR-1393-FL Sep 28, 2001 Severe Storms, Tornadoes and Flooding Associated With Tropical Storm Gabrielle No
DR-1345-FL Oct 4, 2000 Severe Storms and Flooding Yes

Check your own address

County numbers can't tell you about a single building. Look up your property on FEMA's flood map, then read what your flood zone means. More counties: all of Florida.

Where these numbers come from

All figures on this page are calculated from FEMA's public OpenFEMA datasets:

FEMA's redacted claims data doesn't identify properties, and FEMA notes that some records lack a county or flood zone. See how we use the data.