Natural hazards · Marco Island

Marco Island, FL natural hazards

Most of the natural-hazard damage FEMA expects in Marco Island comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 1,029 claims here since 2001. 11 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Marco Island?

Very high

vs. U.S. communities

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

Hurricanes82%Inland flooding9%Coastal flooding6%Everything else3%

By hazard

What Marco Island faces

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

Hurricanes

82% of expected damage

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

Recorded about once every 3 years in the area

Inland flooding

9% of expected damage

Well below average · higher than 3% of U.S. places

Recorded about once a year in the area

Coastal flooding

6% of expected damage

Well above average · higher than 98% of U.S. places

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 Marco Island flood?

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

1,029paid claims since 2001

$46.9Mpaid to owners

128homes flooded more than once

20012026

Biggest named events

Hurricane Ian: 753 claims, $35.8M
Hurricane Irma: 184 claims, $9.6M
Hurricane Milton: 50 claims, $1.0M

Homes that flooded again and again

Each house = 3 homes. ■ FEMA “severe repetitive loss” (5) ■ flooded 2+ times

of all homes
are insured

🏷️ 25% off flood insurance. Marco Island is in FEMA’s Community Rating System (class 5) for its flood-proofing work.

Insurance rates: Collier County.

What’s been done with FEMA grants

7buildings retrofitted against wind

1flood-prone properties bought out and cleared

1homes raised above flood level

Disasters that hit Marco Island

11 federal disasters brought FEMA money here

Disasters the President declared that paid out in Marco Island itself: aid to households, or repair grants to the City of Marco Island.

Brought FEMA money into Marco IslandDeclared for Collier County only

2024

Hurricane Milton

104 households applied for aid $62K aid approved $1.6M to the City of Marco Island for repairs

2024

Hurricane Helene

17 households applied for aid $8K aid approved $209K to the City of Marco Island for repairs

2023

Hurricane Idalia

1 household applied for aid

2022

Hurricane Ian

1,043 households applied for aid $1.3M aid approved $1.8M to the City of Marco Island for repairs

2017

Hurricane Irma

2,567 households applied for aid $953K aid approved $5.7M to the City of Marco Island for repairs

2012

Hurricane Isaac

$51K to the City of Marco Island for repairs

2008

Tropical Storm Fay

1 household applied for aid $61K to the City of Marco Island for repairs

2005

Hurricane Wilma

893 households applied for aid $214K aid approved $1.1M to the City of Marco Island for repairs

2004

Hurricane Frances

1 household applied for aid $10K to the City of Marco Island for repairs

2004

Tropical Storm Bonnie and Hurricane Charley

13 households applied for aid $2K aid approved $302K to the City of Marco Island for repairs

2001

Severe Storms, Tornadoes and Flooding Associated With Tropical Storm Gabrielle

$2K to the City of Marco Island for repairs

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. Marco Island covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Marco Island’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Marco Island. 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 Marco Island total about $16.3M 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.