Natural hazards · Naples

Naples, FL natural hazards

Most of the natural-hazard damage FEMA expects in Naples comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 3,566 claims here since 1978. 11 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Naples?

Very high

vs. U.S. communities

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

Hurricanes73%Inland flooding21%Everything else6%

By hazard

What Naples faces

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

Hurricanes

73% of expected damage

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

Recorded about once every 4 years in the area

Inland flooding

21% of expected damage

Below average · higher than 37% 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 Naples flood?

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

3,566paid claims since 1978

$585Mpaid to owners

424homes flooded more than once

19782026

Biggest named events

Hurricane Ian: 2,681 claims, $507M
Hurricane Milton: 409 claims, $49.5M
Hurricane Irma: 198 claims, $11.3M

Homes that flooded again and again

Each house = 8 homes. ■ FEMA “severe repetitive loss” (43) ■ flooded 2+ times

of all homes
are insured

🏷️ 25% off flood insurance. Naples 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

73buildings retrofitted against wind

10homes raised above flood level

4storm safe rooms built

Disasters that hit Naples

11 federal disasters brought FEMA money here

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

Brought FEMA money into NaplesDeclared for Collier County only

2024

Hurricane Milton

8,069 households applied for aid $4.2M aid approved $497K to the City of Naples for repairs

2024

Hurricane Helene

1,416 households applied for aid $1.3M aid approved $19K to the City of Naples for repairs

2022

Hurricane Ian

28,644 households applied for aid $50.5M aid approved $20.2M to the City of Naples for repairs

2017

Hurricane Irma

62,528 households applied for aid $27.9M aid approved $6.2M to the City of Naples for repairs

2012

Hurricane Isaac

$25K to the City of Naples for repairs

2012

Tropical Storm Debby

$3K to the City of Naples for repairs

2008

Tropical Storm Fay

35 households applied for aid $11K aid approved $91K to the City of Naples for repairs

2005

Hurricane Wilma

12,385 households applied for aid $4.9M aid approved $7.2M to the City of Naples for repairs

2004

Hurricane Frances

2 households applied for aid $8K aid approved $5K to the City of Naples for repairs

2004

Tropical Storm Bonnie and Hurricane Charley

648 households applied for aid $309K aid approved $693K to the City of Naples for repairs

2001

Severe Storms, Tornadoes and Flooding Associated With Tropical Storm Gabrielle

$21K to the City of Naples 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. Naples covers 11 census tracts, combined by population.

Money that reached townFlood claims are matched to Naples’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Naples. 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 Naples total about $35.5M 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.