Natural hazards · Punta Rassa

Punta Rassa, FL natural hazards

Most of the natural-hazard damage FEMA expects in Punta Rassa comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 393 claims here since 1988.

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

Expected damage

How exposed is Punta Rassa?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Punta Rassa to be higher than in 90% of U.S. communities, mostly from hurricanes and coastal flooding.

Hurricanes73%Coastal flooding16%Inland flooding7%Everything else4%

By hazard

What Punta Rassa 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 97% of U.S. places

Recorded about once every 3 years in the area

Coastal flooding

16% of expected damage

Well above average · among the top 1% of U.S. places

Inland flooding

7% of expected damage

Well below average · higher than 2% of U.S. places

Recorded about once a year in the area

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 Punta Rassa flood?

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

393paid claims since 1988

$54.9Mpaid to owners

0homes flooded more than once

19882026

Biggest named events

Hurricane Ian: 363 claims, $53.7M
Hurricane Milton: 9 claims, $471K
Torrential rain: 7 claims, $96K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Punta Rassa 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 Punta Rassa

Federal disasters declared here

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

Brought FEMA money into Punta RassaDeclared for Lee County only

Lee County has had 38 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. Punta Rassa covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Punta Rassa’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Punta Rassa. 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 Punta Rassa total about $1.6M 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.