Natural hazards · Bokeelia

Bokeelia, FL natural hazards

Most of the natural-hazard damage FEMA expects in Bokeelia comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 737 claims here since 1982. 9 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations
Expected damage

How exposed is Bokeelia?

87
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bokeelia to be higher than in 87% of U.S. communities, mostly from hurricanes and coastal flooding.

Hurricanes63%Coastal flooding21%Inland flooding12%Everything else5%
By hazard

What Bokeelia faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Hurricanes

63% of expected damage
Well above average · higher than 95% of U.S. places
Recorded about once every 4 years in the area

Coastal flooding

21% of expected damage
Well above average · among the top 1% of U.S. places

Inland flooding

12% of expected damage
Well below average · higher than 7% of U.S. places
Recorded about once a year in the area

Lower here

TornadoesHailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Ice stormsWinter weatherAvalanchesTsunamisVolcanic activity
Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Bokeelia flood?

Every paid claim on a federal flood insurance policy in Bokeelia, from FEMA’s records.

737paid claims since 1982
$44.3Mpaid to owners
0homes flooded more than once
19822026

Biggest named events

  • Hurricane Ian: 229 claims, $17.6M
  • Hurricane Milton: 204 claims, $10.4M
  • Hurricane Helene: 184 claims, $14.7M
of homes in flood zones
are insured
of all homes
are insured
No community discount. Bokeelia isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lee County.
Disasters that hit Bokeelia

9 federal disasters brought FEMA money here

Disasters the President declared that paid out in Bokeelia itself: aid to households, or repair grants to Bokeelia.

Brought FEMA money into BokeeliaDeclared for Lee County only
2024

Hurricane Milton

446 households applied for aid $1.6M aid approved
2024

Hurricane Helene

153 households applied for aid $1.1M aid approved
2022

Hurricane Ian

1,773 households applied for aid $6.1M aid approved
2017

Hurricane Irma

560 households applied for aid $223K aid approved
2008

Tropical Storm Fay

3 households applied for aid $33K aid approved
2005

Hurricane Wilma

42 households applied for aid $21K aid approved
2004

Hurricane Ivan

7 households applied for aid
2004

Hurricane Frances

67 households applied for aid $176K aid approved
2004

Tropical Storm Bonnie and Hurricane Charley

1,491 households applied for aid $2.9M aid approved
Lee County has had 38 natural disasters declared since 1953, most often hurricanes and fires.
Around Bokeelia

Bokeelia and the towns around it

Pineland: Very high, mostly hurricanesPine Island Center: Very high, mostly hurricanesSt. James City: Very high, mostly hurricanesBokeelia: Very high, mostly hurricanes BokeeliaPinelandPine Island Center
Very lowLowModerateHighVery high
Pinelandmostly hurricanesVery high
Pine Island Centermostly hurricanesVery high
Bokeeliamostly hurricanesVery high
About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.
Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Bokeelia covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Bokeelia’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Bokeelia. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Bokeelia total about $1.6M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/19 · 2025-01-01