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DHazard risk
Natural hazards in Burnt Store Marina · FEMA

More hazard damage per building is expected in Burnt Store Marina than in 90% of U.S. towns, mostly from hurricanes

On FEMA’s National Risk Index, Burnt Store Marina gets a D for hazard risk: higher expected damage per building than 90% of U.S. towns. Most of that expected damage is hurricanes (73%), then river and rain flooding (17%). Flood insurance has paid 9 claims here since 2000.

Hurricanes 73%River and rain flooding 17%Coastal flooding 5%

Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded

more than 90%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
D
in Florida · higher than 90% of U.S. towns
Main hazard
Hurricanes
73% of expected building damage
Flood claims
9
paid since 2000 · $588K
Flood claims per home
5 per 1,000
more than 58% of U.S. towns
By hazard

What Burnt Store Marina faces

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

Hurricanes

73%of expected building damage
Well above average · in the top 5% of U.S. census tracts
Recorded about once every 4 years in the area

River and rain flooding

17%of expected building damage
Well below average · lower than 86% of U.S. census tracts
Recorded about once a year in the area
Smaller shares here
 Coastal flooding top 2% Wildfire Tornadoes Strong wind Cold waves Lightning Hail Earthquakes Heat waves Landslides
FEMA models no building damage here
Winter stormsIce stormsAvalanchesTsunamisVolcanic activity

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Burnt Store Marina’s grade

Hurricanes are 73% of the building damage FEMA expects in Burnt Store Marina, and Burnt Store Marina’s rate of hurricanes damage is in the top 5% of U.S. census tracts. Coastal flooding adds 5%, at a rate in the top 2% of U.S. census tracts.

Where Burnt Store Marina sits
Burnt Store Marina
Least damageMiddleMost damage

D higher expected damage per building than 90% of U.S. towns (21,298).

All of Burnt Store Marina’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
Hurricanes73%River and rain flooding17%Coastal flooding5%Everything else5%

In dollars, FEMA expects about $1.4M a year in losses across Burnt Store Marina: $1.3M to buildings, the rest to people and crops.

Shared tract.All of Burnt Store Marina’s 1,890 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Burnt Store Marina flood? Rarely: 9 flood claims since 2000

Every paid claim on a federal flood insurance policy in Burnt Store Marina, from FEMA’s records: 4.7 per 1,000 homes, more than 58% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2000: 1 claim2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 8 claims2025: 0 claims2026: 0 claims20002024
20002026
Biggest named events
  • Hurricane Milton8 claims · $582K
9
paid claims since 2000
$588K
paid to owners
0
homes flooded more than once
$65K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Burnt Store Marina 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

The storms Burnt Store Marina remembers

None of the 30 disasters declared for Lee County shows FEMA aid or repair money reaching Burnt Store Marina itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 20248 flood claims paidThe year of Hurricane Milton, declared for Lee County
  2. 20001 flood claims paidThe year of Severe Freeze, declared for Lee County
Disasters declared, by decade
Paid out in Burnt Store MarinaLee County only

Lee County has had 30 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Also 4 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Lee County, 1999–2017.

Were you here?

Old photos of Burnt Store Marina after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Burnt Store Marina archive →
Next door

Burnt Store Marina and its neighbors

Burnt Store Marina is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Cape Coral: hazard risk DCape CoralBurnt Store Marina
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Cape CoralDmore damage than 90%hurricanes4,381
Burnt Store MarinaDmore damage than 90%hurricanes9

Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.

Be ready

Get ready for what Burnt Store Marina faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

Hurricane season
  • The season runs June through November and peaks from mid-August to mid-October.
  • Bring in porch furniture and anything the wind can throw.
  • Fill the gas tank and charge phones before the storm arrives.
More from Ready.gov ↗
When the river rises
  • Turn around at flooded roads: a foot of moving water can carry off a car.
  • Flood insurance usually takes 30 days to start, so buy it before the forecast.
  • Keep papers and medicines up high, in a grab-and-go bag.
More from Ready.gov ↗
Before you buy or rent
  • Look up the address on FEMA’s flood map.
  • Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
  • Get a flood insurance quote early: policies usually start 30 days after you buy.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Burnt Store Marina

Is Burnt Store Marina at risk for natural disasters?

On FEMA’s National Risk Index, Burnt Store Marina has higher expected damage per building than 90% of U.S. towns: D for hazard risk. Most of the expected damage is hurricanes (73%) and river and rain flooding (17%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Burnt Store Marina flood?

Flood insurance has paid 9 claims in Burnt Store Marina since 2000, $588K in all, or 4.7 per 1,000 homes, more than 58% of U.S. towns with a flood insurance record. The most claims came from Hurricane Milton (8).

Is Burnt Store Marina in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Lee County, 47% of homes in mapped flood zones carry federal flood insurance, and 24.2% of all homes do.

How much is flood insurance in Burnt Store Marina?

FEMA’s Community Rating System list shows no discount for Burnt Store Marina’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Burnt Store Marina?

By flood claims, Hurricane Milton: 8 paid, $582K.

Is Burnt Store Marina at risk from hurricanes?

It is the largest share of the building damage FEMA expects here (73%), and Burnt Store Marina’s rate for it is in the top 5% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Burnt Store Marina.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Burnt Store Marina’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.