Natural hazards · Lely

Lely, FL natural hazards

Most of the natural-hazard damage FEMA expects in Lely comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 28 claims here since 1995.

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

Expected damage

How exposed is Lely?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lely to be higher than in 95% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes54%Inland flooding42%Everything else5%

By hazard

What Lely faces

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

Hurricanes

54% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

42% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingTornadoesHailCold 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 Lely flood?

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

28paid claims since 1995

$390Kpaid to owners

0homes flooded more than once

19952026

Biggest named events

Hurricane Irma: 11 claims, $268K
Hurricane Wilma: 1 claim, $12K
Tropical Storm Fay: 1 claim, $6K

of all homes
are insured

No community discount. Lely isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Collier County.

Disasters that hit Lely

Federal disasters declared here

None of the disasters declared for Collier County shows FEMA aid or repair money reaching Lely itself in FEMA’s records.

Brought FEMA money into LelyDeclared for Collier County only

Collier County has had 46 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. Lely covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lely’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Lely. 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 Lely total about $3.2M 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.