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FEMA flood zones · Florida

Cape Coral, Florida Flood Zone Map

194,016 residents·in Lee County·48,496 flood claims county-wide

Coastal high risk (V, VE)FloodwayHigh risk (A, AE)Moderate (X, 500-year)Minimal (X)Undetermined (D)

Shaded areas are FEMA’s mapped flood hazard zones in and around Cape Coral, Florida. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.

Flood risk in Cape Coral

The map above shows FEMA’s flood zones in and around Cape Coral; tap any spot, or search an address, for the exact zone. FEMA’s flood insurance records are kept by county, not by city, so the numbers below are for all of Lee County, which includes Cape Coral.

40% of Lee County’s area is in FEMA’s high-risk flood zones, and another 8% in shaded X (mostly the 0.2% floodplain and areas behind levees).

Where the flood claims came from

Less than 1% of Lee County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.

46,511 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.

How deep the water got

outlet80″ door12″24″36″48″60″72″84″

In Lee County flood insurance claims that reported a flood depth, the average was 11 inches.

Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.

Average of the depths reported on the county’s claims (zero and implausible values left out). Source: OpenFEMA NFIP claims.

Flood claims, year by year

The worst year was 2022, with 28,889 claims and $3.4B paid, the year of Hurricane Ian and Hurricane Nicole.

1978: 12 claims1979: 47 claims1980: 16 claims1981: 39 claims1982: 399 claims1983: 31 claims1984: 12 claims1985: 291 claims1986: 6 claims1987: 30 claims1988: 700 claims1989: 29 claims1990: 6 claims1991: 9 claims1992: 93 claims1993: 144 claims1994: 7 claims1995: 415 claims1996: 52 claims1997: 31 claims1998: 64 claims1999: 63 claims2000: 105 claims2001: 1,609 claims2002: 33 claims2003: 70 claims2004: 4,280 claims2005: 247 claims2006: 48 claims2007: 15 claims2008: 91 claims2009: 22 claims2010: 24 claims2011: 39 claims2012: 54 claims2013: 58 claims2014: 11 claims2015: 28 claims2016: 51 claims2017: 2,560 claims2018: 33 claims2019: 19 claims2020: 170 claims2021: 37 claims2022: 28,889 claims2023: 150 claims2024: 7,323 claims2025: 26 claims2026: 8 claims19801990200020102020

Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.

Full Lee County flood history: disasters, storm reports and events →

The zones you’ll see on the map

Cross-section of a coastal flood zoneDiagram: land rising away from the shore. The 1%-annual-chance flood surface reaches inland; where storm waves ride on top of it the zone is V or VE, behind that AE, then a band of shaded X, then X on higher ground.0.2% CHANCE A YEAR (500-YEAR)BASE FLOOD ELEVATION · 1% A YEARXX shadedAEVE
  1. VE / V Storm waves of 3 feet or more ride on top of the flood. Strictest building rules; homes go up on pilings.
  2. A / AE Inside the 1%-a-year floodplain: about a 26% chance of flooding over a 30-year mortgage. AE has a mapped base flood elevation; plain A does not.
  3. X shaded The 0.2% (500-year) floodplain, plus some levee-protected and very shallow flood areas.
  4. X Outside both lines. No federal requirement to insure, which is not the same as no risk.

Every flood zone code explained →

Flood insurance in Cape Coral

If a building is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.

The average NFIP premium across Florida was $965 a year on August 31, 2026 (premium plus the federal policy fee; the reserve fund assessment and HFIAA surcharge come on top). Risk Rating 2.0 prices each building on its own flood risk, so a quote can be far from the average.

Outside the high-risk zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Quotes: FloodSmart.gov or a local agent.