FEMA puts Naples Manor’s expected hazard damage per building above that of 97% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Naples Manor gets a D− for hazard risk: higher expected damage per building than 97% of U.S. towns, #612 of 638 in Florida. Most of that expected damage is hurricanes (53%), then river and rain flooding (45%). Flood insurance has paid 2 claims here since 2017.
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
What Naples Manor faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain flooding
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.
What’s behind Naples Manor’s grade
Hurricanes are 53% of the building damage FEMA expects in Naples Manor, and Naples Manor’s rate of hurricanes damage is in the top 4% of U.S. census tracts. River and rain flooding adds 45%, at a rate in the top 8% of U.S. census tracts.
D− #612 of 638 in Florida; higher expected damage per building than 97% of U.S. towns (21,298).
All of Naples Manor’s residents live in one census tract; the figures are that tract’s.
The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Naples Manor has more expected damage per building than 96% of Florida towns.
In dollars, FEMA expects about $1.7M a year in losses across Naples Manor: $1.4M to buildings, the rest to people and crops.
Does Naples Manor flood? Rarely: 2 flood claims since 2017
Every paid claim on a federal flood insurance policy in Naples Manor, from FEMA’s records: 1.3 per 1,000 homes, fewer than 71% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irma2 claims · $21K
Naples Manor isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Collier County.The storms Naples Manor remembers
None of the 36 disasters declared for Collier County shows FEMA aid or repair money reaching Naples Manor itself in FEMA’s records, so these are its biggest flood-claim years.
- 20172 flood claims paidThe year of Hurricane Irma, declared for Collier County
Collier County has had 36 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 7 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Collier County, 1999–2020.
Old photos of Naples Manor after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Naples Manor archive →Naples Manor and its neighbors
Naples Manor is 3rd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Lely | D−more damage than 97% | hurricanes | 28 |
| Lely Resort | D−more damage than 97% | hurricanes | 1 |
| Naples Manor | D−more damage than 97% | hurricanes | 2 |
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.
Get ready for what Naples Manor faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Naples Manor
Is Naples Manor at risk for natural disasters?
On FEMA’s National Risk Index, Naples Manor has higher expected damage per building than 97% of U.S. towns: D− for hazard risk, #612 of 638 in Florida. Most of the expected damage is hurricanes (53%) and river and rain flooding (45%). 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 Naples Manor flood?
Flood insurance has paid 2 claims in Naples Manor since 2017, $21K in all, or 1.3 per 1,000 homes, fewer than 71% of U.S. towns with a flood insurance record. The most claims came from Hurricane Irma (2).
Is Naples Manor 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 Collier County, 29.6% of all homes carry federal flood insurance.
How much is flood insurance in Naples Manor?
FEMA’s Community Rating System list shows no discount for Naples Manor’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 Naples Manor?
By flood claims, Hurricane Irma: 2 paid, $21K.
Is Naples Manor at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (53%), and Naples Manor’s rate for it is in the top 4% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Naples Manor.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Naples Manor’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.