Collier County, FL Environment & Hazard Risk
Relatively High natural hazard risk, led by hurricane. 586 storm events since 1996.
- Expected yearly loss
- $398M
- Relatively High nationally
- Storm events since 1996
- 586
- Most often drought
- Flood insurance policies
- 51,467
- 29.5% of homes
- Hurricanes nearby
- 13
- 36 tropical storms or stronger since 1861
Natural hazard risk
FEMA National Risk Index, December 2025
Overall risk
Relatively High
Score 98.9 of 100
Social vulnerability
Relatively High
Score 74.7 of 100
Community resilience
Relatively Moderate
Score 41.3 of 100
Community resilience runs the other way: a higher rating means a community can recover faster.
Building value exposed: $92.7B · Agriculture value exposed: $244M · Risk-adjusted yearly loss: $550M
Risk by hazard
- HurricaneVery High$216M/yr expected annual loss, about once every 3 years
- LightningVery High$4.3M/yr expected annual loss, about 105 events a year
- Cold waveVery High$33.6M/yr expected annual loss, about 2.1 events a year
- WildfireRelatively Moderate$4.3M/yr expected annual loss, about once every 100 years
- Coastal floodingVery High$9.4M/yr expected annual loss, about 3.3 events a year
- Heat waveRelatively Moderate$3.6M/yr expected annual loss, about 5.2 events a year
- TornadoRelatively Moderate$2.5M/yr expected annual loss, about 1.4 events a year
- LandslideRelatively Low$4,355/yr expected annual loss, about once every 5 years
- DroughtRelatively Moderate$297K/yr expected annual loss, about 12 events a year
- Strong windRelatively Low$437K/yr expected annual loss, about once every 2 years
- EarthquakeVery Low$106K/yr expected annual loss, about once every 4,902 years
- HailVery Low$53.3K/yr expected annual loss, about once every 2 years
Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, ice storm, riverine flooding, tsunami, volcanic activity, winter weather.
Flood risk and insurance
National Flood Insurance Program and FEMA flood maps
Check the flood zone for an address
- Homes with flood insurance
- 51,467 of 174,174 (29.5%)
- Homes in high-risk flood zones
- 152
- Insured in high-risk zones
- 38,559 (0%)
- Flood claims since 1978
- 14,773
- Claims paid since 1978
- $1.1B
Flood claims paid per year
- Hurricane Ian$923M · 7,813 claims
- Hurricane Milton$100M · 1,351 claims
- Hurricane Irma$60.4M · 2,663 claims
- Hurricane Helene$27.7M · 441 claims
- Hurricane Wilma$5.6M · 572 claims
- Torrential rain$1.7M · 135 claims
Storm history
Since 1996: 586 events, 23 deaths, $3.6B in damage
- Drought102
- Thunderstorm Wind75
- Funnel Cloud56
- Hail52
- Tornado43
- Lightning41 · 7 deaths
- Wildfire32
- Waterspout30
- Flood29
- Frost/Freeze27
Events per year
71 tornadoes on record (EF0 17, EF1 1, F0 32, F1 12, F2 3).
Most damaging storms
Since 1996, ranked by deaths, injuries and damage
- Hurricane (Typhoon)09/28/2022
Coastal Collier County
$2.2B damage
What happened
Wind gusts of 100-110 mph were measured at about 100-150 feet above ground level over western Collier county at the Naples Grande Resort, at Kalea Bay, and at Naples Municipal Airport. Peak near-surface wind gusts were likely in the 80-90 mph range. Wind damage was mainly confined to trees/fences/screens, with minor wind damage to vulnerable structures. ||Estimated highest number of customers without power was 201,095 as of 3 PM on September 29th. ||Reported damage estimate for the entire county is $2.2 billion, which includes storm surge-related damage. Of that, $1.7 billion is to residential properties and $492 million to commercial properties. A total of 33 buildings were destroyed, with 3,515 residential and commercial buildings suffering major damage. Breakdown of damage amount by|City/area: unincorporated Collier County $948 million, city of Naples $989|Million, Marco Island $256 million, Everglades City $7.1 million.
- Frost/Freeze01/10/2010
Inland Collier County
$300M damage
What happened
Four consecutive nights of freezing temperatures were observed over inland Collier County from January 10th to January 13th. Lowest temperatures of 26 degrees were recorded in Immokalee on January 11th. Duration of freezing temperatures was as much as 4 to 6 hours each night.||Damage to sugarcane, vegetable and fruit crops was extensive, with dollar estimates of damage for Glades, Hendry and Collier counties included in this entry.
- Tropical Storm10/09/2024
Inland Collier County
$280M damage
What happened
Maximum sustained winds were in the 35 to 40 mph range across inland Collier County. The strongest winds of tropical storm force occurred on October 9th. The highest sustained wind of 40 mph was recorded in East Naples on October 9th at 413 PM, with a peak gust of 58 mph recorded at Immokalee Airport at 11:15 PM on October 9th. ||at the same location at . There was minor wind damage with general tree and power line damage observed across a good portion of the county. Multiple factors (tornadoes, wind, and storm surge flooding) lead to damages across coastal Collier County. Across Collier County as a whole, Hurricane Milton led to property damage estimated at $280 million with a total of 88 structures incurring major damage and 224 with minor damage. An estimated 85% of customers in the county lost power.
- Tropical Storm10/09/2024
Coastal Collier County
$280M damage
What happened
Maximum sustained winds were in the 35 to 45 mph range across coastal Collier County. The strongest winds of tropical storm force occurred on October 9th. The highest wind gust of 58 mph was recorded at Naples Municipal Airport on October 9th at 1:53 PM as a rainband of Hurricane Milton moved through the area. There was minor wind damage with general tree and power line damage observed across a good portion of the county. Multiple factors (tornadoes, wind, and storm surge flooding) lead to damages across coastal Collier County. Across Collier County as a whole, Hurricane Milton led to property damage estimated at $280 million with a total of 88 structures incurring major damage and 224 with minor damage. An estimated 85% of customers in the county lost power.
- Hurricane (Typhoon)09/09/2017
Coastal Collier County
1 death, $223M damage
What happened
Hurricane Irma produced maximum sustained winds near 115 mph at landfall in Marco Island and 80-100 mph across the rest of Coastal Collier County. Wind gusts were in excess of 100 mph, with a peak gust of 142 mph near Naples Regional Airport at 435 PM in association with the eastern eye wall. These winds produced major wind damage with at least 88 buildings destroyed and over 1,500 with major damage. Heavy tree and power pole damage, along with minor structural damage, was observed in areas affected by the eye wall. Post-storm survey revealed the likelihood of mini-vortices in the eastern eye wall causing enhanced tree and structural damage in Port of the Islands and Collier-Seminole State Park. A total of 197,630 customers lost power across all of Collier County.
- Cold/Wind Chill01/19/1997
Coastal Collier
$200M damage
What happened
hard freeze in rural areas.
Drinking water
10 community water systems serve about 376,613 people. Violations since 2021.
3 systems had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 5 systems had a violation of any kind still open at last report.
- Collier County Regional WTPServes 216,993 · Groundwater · Local governmentNo health violations+9 monitoring or reporting
- Naples Water DeptServes 83,804 · Groundwater · Local governmentNo health violations+14 monitoring or reporting
- Marco Island Utilities (City Of)Serves 31,830 · Surface water · PrivateNo health violations+7 monitoring or reporting
- Immokalee WaterServes 26,841 · Groundwater · Local governmentNo health violations+9 monitoring or reporting
- Ave Maria Utility Company, LLLPServes 11,982 · Groundwater · PrivateNo health violations+20 monitoring or reporting
- Everglades CityServes 2,978 · Groundwater · Local governmentNo health violations+8 monitoring or reporting
- Port of the IslandsServes 1,200 · Groundwater · Private3 health violations+9 monitoring or reporting
- Goodland Water CompanyServes 853 · Purchased surface water · PrivateNo health violations+7 monitoring or reporting
Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.
Pollution sites
0 Superfund sites and 7 toxic release facilities in Collier County
Superfund sites
None in this county.
Toxic release facilities
- Arthrex Manufacturing Inc.236 lbs released, Immokalee
- Titan Florida LLC Naples Concrete Batch Plantunder 1 lb released, Naples
- Plant 157 Naplesunder 1 lb released, Naples
- Cemex Wiggins Pass0 lbs released, Naples
- Cemex East Trail0 lbs released, Naples
- Preferred-Naples Shirley Rm0 lbs released, Naples
- Cemex Prospect0 lbs released, Naples
Total: 237 lbs in 2024, 163 lbs to air.
Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk9 historic places
Frequently asked questions
- How risky is Collier County for natural disasters?
- FEMA rates Collier County relatively high for overall natural hazard risk, with expected losses of $398M a year. The highest-rated hazards are hurricane (very high), lightning (very high), cold wave (very high).
- What storms are most common in Collier County?
- Since 1996, NOAA recorded 586 storm events affecting Collier County, most often drought (102), thunderstorm wind (75), funnel cloud (56).
- How many tornadoes have hit Collier County?
- 71 tornadoes have been recorded in Collier County since 1950.
- How many homes in Collier County have flood insurance?
- 51,467 residential flood insurance policies are in force in Collier County, covering about 29.5% of homes. The program has paid $1.1B on 14,773 claims here since 1978.
- What is the weather like in Collier County?
- At Everglades City 5 NE, average highs reach 93°F in Aug and lows fall to 53°F in Jan, with 55.3 inches of rain a year (1991-2020 normals).
Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.