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Natural hazards · Captiva

Captiva, FL natural hazards

Most of the natural-hazard damage FEMA expects in Captiva comes from hurricanes, and overall the risk is very high for a U.S. community. 8 federal disasters brought FEMA money into town.

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

How exposed is Captiva?

91
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Captiva to be higher than in 91% of U.S. communities, mostly from hurricanes and coastal flooding.

Hurricanes65%Coastal flooding27%Inland flooding7%Everything else1%
By hazard

What Captiva faces

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

Hurricanes

65% of expected damage
Well above average · higher than 97% of U.S. places
Recorded about once every 4 years in the area

Coastal flooding

27% of expected damage
Well above average · among the top 1% of U.S. places

Inland flooding

7% of expected damage
Well below average · higher than 2% of U.S. places
Recorded about once a year in the area

Lower here

TornadoesHailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Ice stormsWinter weatherDroughtAvalanchesTsunamisVolcanic 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 Captiva flood?

FEMA's records show no paid flood insurance claims in Captiva.

of homes in flood zones
are insured
of all homes
are insured
No community discount. Captiva 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 Captiva

8 federal disasters brought FEMA money here

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

Brought FEMA money into CaptivaDeclared for Lee County only
2024

Hurricane Milton

35 households applied for aid $69K aid approved
2024

Hurricane Helene

24 households applied for aid $29K aid approved
2022

Hurricane Ian

209 households applied for aid $484K aid approved
2017

Hurricane Irma

58 households applied for aid $8K aid approved
2005

Hurricane Wilma

1 household applied for aid
2004

Hurricane Ivan

1 household applied for aid
2004

Hurricane Frances

6 households applied for aid $2K aid approved
2004

Tropical Storm Bonnie and Hurricane Charley

231 households applied for aid $187K aid approved
Lee County has had 38 natural disasters declared since 1953, most often hurricanes and fires.
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. Captiva is smaller than a census tract, so it shares the figures of the tract around its center.
Money that reached townFlood claims are matched to Captiva’s own flood-insurance community; household aid to the registrant’s city; repair grants to Captiva. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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
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