Natural hazards · Three Oaks

Three Oaks, FL natural hazards

Most of the natural-hazard damage FEMA expects in Three Oaks comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 5 claims here since 2017.

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

Expected damage

How exposed is Three Oaks?

Very high

vs. U.S. communities

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

Hurricanes67%Inland flooding27%Everything else6%

By hazard

What Three Oaks faces

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

Hurricanes

67% of expected damage

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

Recorded about once every 4 years in the area

Inland flooding

27% of expected damage

Above average · higher than 68% 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 Three Oaks flood?

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

5paid claims since 2017

$115Kpaid to owners

0homes flooded more than once

20172026

Biggest named events

Hurricane Irma: 4 claims, $114K
Hurricane Ian: 1 claim, $380

of homes in flood zones
are insured

of all homes
are insured

No community discount. Three Oaks 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 Three Oaks

Federal disasters declared here

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

Brought FEMA money into Three OaksDeclared for Lee County only

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

Around Three Oaks

Three Oaks and the towns around it

Very lowLowModerateHighVery high

Esteromostly hurricanesVery high

Three Oaksmostly hurricanesVery high

San Carlos Parkmostly 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. Three Oaks covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Three Oaks’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Three Oaks. 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 Three Oaks total about $3.9M 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.