Natural hazards · Suncoast Estates

Suncoast Estates, FL natural hazards

Most of the natural-hazard damage FEMA expects in Suncoast Estates comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 1 claim here since 2017. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Suncoast Estates?

Very high

vs. U.S. communities

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

Hurricanes65%Inland flooding27%Everything else8%

By hazard

What Suncoast Estates faces

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

Hurricanes

65% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

27% of expected damage

Above average · higher than 62% 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 Suncoast Estates flood?

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

1paid claims since 2017

$5Kpaid to owners

0homes flooded more than once

20172026

Biggest named events

Hurricane Irma: 1 claim, $5K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Suncoast Estates 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 Suncoast Estates

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Suncoast Estates itself: aid to households, or repair grants to Suncoast Estates.

Brought FEMA money into Suncoast EstatesDeclared for Lee County only

2017

Hurricane Irma

2 households applied for aid

Lee County has had 38 natural disasters declared since 1953, most often hurricanes and fires.

Around Suncoast Estates

Suncoast Estates and the towns around it

Very lowLowModerateHighVery high

Suncoast Estatesmostly hurricanesVery high

North Fort Myersmostly 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. Suncoast Estates covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Suncoast Estates’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Suncoast Estates. 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 Suncoast Estates total about $1.7M 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.