Natural hazards · Villas

Villas, FL natural hazards

Most of the natural-hazard damage FEMA expects in Villas comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 49 claims here since 1982. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Villas?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Villas to be higher than in 85% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes70%Inland flooding25%Everything else5%

By hazard

What Villas faces

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

Hurricanes

70% of expected damage

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

Recorded about once every 4 years in the area

Inland flooding

25% of expected damage

Below average · higher than 44% 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 Villas flood?

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

49paid claims since 1982

$2.4Mpaid to owners

0homes flooded more than once

19822026

Biggest named events

June South Florida Flooding: 22 claims, $1.5M
Hurricane Irma: 14 claims, $747K
Hurricane Ian: 6 claims, $74K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Villas 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 Villas

1 federal disaster brought FEMA money here

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

Brought FEMA money into VillasDeclared for Lee County only

2017

Hurricane Irma

1 household applied for aid $920 aid approved

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

Around Villas

Villas and the towns around it

Very lowLowModerateHighVery high

Villasmostly hurricanesVery high

Cypress Lakemostly hurricanesVery high

Pine Manormostly hurricanesVery high

Page 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. Villas covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Villas’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Villas. 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 Villas total about $10.2M 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.