Natural hazards · Pelican Bay

Pelican Bay, FL natural hazards

Most of the natural-hazard damage FEMA expects in Pelican Bay comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 322 claims here since 1988.

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

Expected damage

How exposed is Pelican Bay?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pelican Bay to be higher than in 89% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes68%Inland flooding21%Coastal flooding8%Everything else3%

By hazard

What Pelican Bay faces

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

Hurricanes

68% 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 43% of U.S. places

Recorded about once a year in the area

Coastal flooding

8% of expected damage

Well above average · among the top 1% 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 Pelican Bay flood?

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

322paid claims since 1988

$54.1Mpaid to owners

0homes flooded more than once

19882026

Biggest named events

Hurricane Ian: 263 claims, $47.2M
Hurricane Milton: 22 claims, $3.8M
Hurricane Irma: 18 claims, $1.2M

of all homes
are insured

No community discount. Pelican Bay 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 Pelican Bay

Federal disasters declared here

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

Brought FEMA money into Pelican BayDeclared for Collier County only

Collier County has had 46 natural disasters declared since 1953, most often hurricanes and fires.

Around Pelican Bay

Pelican Bay and the towns around it

Very lowLowModerateHighVery high

Pine Ridgemostly hurricanesVery high

Pelican Baymostly hurricanesVery high

Naplesmostly 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. Pelican Bay covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Pelican Bay’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Pelican Bay. 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 Pelican Bay total about $9.2M 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.