Enter any address in Collier County, Florida to see its FEMA flood zone
Collier County experiences a mix of flood-related events, with tropical storms and hurricanes being the most impactful over the last 30 years. Rainfall from thunderstorms and tropical systems, such as the heavy downpours recorded in September 2025 and June 2024, frequently leads to flooding. Coastal flooding, driven by high tides, also occurs.
The National Flood Insurance Program (NFIP) data shows a significant number of claims in Zone A, with an average payout of $77,492 and an average water depth of 5.0 feet. Zone V, representing coastal areas, also has a notable number of claims with higher average payouts. Homeowners in coastal areas, as well as those in Zone A, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
58 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Collier County, Florida has recorded 97 flood-related events since 1996 according to NOAA's Storm Events Database, including 12 flash floods and 29 river or area floods. The county has received 54 federal disaster declarations, 1 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1965–2024)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Hurricane Milton | Hurricane | Oct 5, 2024 |
| Hurricane Helene | Hurricane | Sep 23, 2024 |
| Tropical Storm Helene | Tropical Storm | Sep 23, 2024 |
| Hurricane Debby | Tropical Storm | Aug 1, 2024 |
| Tropical Storm Debby | Tropical Storm | Aug 1, 2024 |
| Hurricane Idalia | Hurricane | Aug 27, 2023 |
| Tropical Storm Idalia | Tropical Storm | Aug 27, 2023 |
| Hurricane Nicole | Hurricane | Nov 7, 2022 |
| Tropical Storm Nicole | Tropical Storm | Nov 7, 2022 |
| Hurricane Ian | Hurricane | Sep 23, 2022 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Sep 9, 2025 | 0.00K |
| Coastal Flood | Oct 4, 2025 | 0.00K |
| Flood | Jun 30, 2024 | 0.00K |
| Storm Surge/Tide | Sep 26, 2024 | 1.20M |
| Tropical Depression | Sep 26, 2024 | 0.00K |
| Tropical Storm | Sep 26, 2024 | 20.00K |
| Coastal Flood | Aug 20, 2024 | 0.00K |
| Flood | May 16, 2024 | 0.00K |
| Flood | Aug 16, 2024 | 0.00K |
| Flash Flood | Jun 12, 2024 | 25.00K |
Flood — Sep 9, 2025
A stationary surface boundary over South Florida with influence from a deep mid and upper level trough over the eastern United States led to diurnal showers and thunderstorms which produced heavy rainfall on the 8th and 9th of September.
Coastal Flood — Oct 4, 2025
Localized coastal flooding occurred along the coast of South Florida due to astronomically higher-than-normal high tides in early October 2025.
Flood — Jun 30, 2024
In addition to a mid-level disturbance, deep tropical moisture continued to filter into the southern Florida Peninsula on June 30. With plentiful instability and around peak diurnal heating led to showers and thunderstorms across southwestern Florida. With light steering flow, storm motions were slow, which when combined with heavy downpours, resulted in localized flooding across portions of we...
Storm Surge/Tide — Sep 26, 2024
The center of Hurricane Helene passed about 200 miles west of Naples as a Category 3 hurricane moving N-NE over the eastern Gulf of Mexico around midday on Thursday, September 26th, then made landfall later that evening in the Florida Big Bend as a Category 4 hurricane with maximum sustained winds of 140 mph and lowest central pressure of 938 mb. The large wind field around Helene brought tropi...
Tropical Depression — Sep 26, 2024
The center of Hurricane Helene passed about 200 miles west of Naples as a Category 3 hurricane moving N-NE over the eastern Gulf of Mexico around midday on Thursday, September 26th, then made landfall later that evening in the Florida Big Bend as a Category 4 hurricane with maximum sustained winds of 140 mph and lowest central pressure of 938 mb. The large wind field around Helene brought tropi...
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Collier County, Florida:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Collier County, Florida that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.