Flood history · Naples, FL 34109
Flood insurance claims in Naples, FL 34109
128 claims since 1995 and $1.6 million paid. Here's what the public record shows, and how to check a specific address.
Claims by year
Every NFIP flood insurance claim reported in ZIP 34109 since 1978.
What the record says
About 70% of claims here were on properties rated outside high-risk zones (zones X, B or C). A lower-risk zone on the map is not a guarantee.
One event dominates the record: Hurricane Irma accounts for 53% of all claims in this ZIP code.
Flooding here is recent: 96 claims (75%) were in the last 10 years.
The most commonly recorded cause is heavy rain or snowmelt collecting faster than it drains, which can happen far from any river or coast.
Collier County * takes part in FEMA's Community Rating System (class 5), which can lower flood insurance premiums by up to 25% in high-risk zones.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Hurricane Irma | 2017 | 68 | 53% |
| Hurricane Ian | 2022 | 15 | 12% |
| Hurricane Wilma | 2005 | 10 | 8% |
| Hurricane Charley | 2004 | 3 | 2% |
| Hurricane Milton | 2024 | 2 | 2% |
| Torrential rain | 2001 | 1 | 1% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Collier County
Flood, hurricane and storm declarations since 2000.
30 flood, storm or hurricane declarations for Collier County since 2000.
Check a specific address in Naples.
ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.
Sources: FEMA OpenFEMA NFIP Redacted Claims (v3) and Disaster Declarations Summaries, FEMA NFIP Community Status Book; place names from GeoNames (CC BY 4.0). Data as of 2026-10-09. Payments are net building + contents payments in dollars at the time paid, not adjusted for inflation. Claims are grouped by the ZIP code reported on the claim. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. Information only; not an official flood zone determination or insurance advice.