Natural hazards · Gateway

Gateway, FL natural hazards

Most of the natural-hazard damage FEMA expects in Gateway comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 1 claim here since 2018. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Gateway?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gateway to be higher than in 88% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes69%Inland flooding23%Everything else8%

By hazard

What Gateway faces

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

Hurricanes

69% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

23% of expected damage

Below average · higher than 48% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingIce 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 Gateway flood?

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

1paid claims since 2018

$5Kpaid to owners

0homes flooded more than once

20182026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Gateway 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 Gateway

1 federal disaster brought FEMA money here

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

Brought FEMA money into GatewayDeclared for Lee County only

2017

Hurricane Irma

2 households applied for aid $920 aid approved

Lee County has had 38 natural disasters declared since 1953, most often hurricanes and fires.

Around Gateway

Gateway and the towns around it

Very lowLowModerateHighVery high

Gatewaymostly hurricanesVery high

Fort Myersmostly 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. Gateway covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Gateway’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Gateway. 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 Gateway total about $6.6M 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.