More hazard damage per building is expected in Naples Park than in 94% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Naples Park gets a D for hazard risk: higher expected damage per building than 94% of U.S. towns, #548 of 638 in Florida. Most of that expected damage is hurricanes (68%), then river and rain flooding (30%). Flood insurance has paid 230 claims here since 1982.
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 stands out about Naples Park’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Naples Park 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 Park’s grade
Hurricanes are 68% of the building damage FEMA expects in Naples Park, and Naples Park’s rate of hurricanes damage is in the top 4% of U.S. census tracts. Next is river and rain flooding at 30% (higher than 66% of U.S. census tracts).
D #548 of 638 in Florida; higher expected damage per building than 94% of U.S. towns (21,298).
Naples Park’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Naples Park has more expected damage per building than 86% of Florida towns.
In dollars, FEMA expects about $3.6M a year in losses across Naples Park: $3.3M to buildings, the rest to people and crops.
Does Naples Park flood? Yes: 230 flood claims since 1982
Every paid claim on a federal flood insurance policy in Naples Park, from FEMA’s records: 70.0 per 1,000 homes, more than 94% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ian127 claims · $11.6M
- Hurricane Irma38 claims · $1.2M
- Hurricane Milton5 claims · $353K
Naples Park 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.1 federal disaster brought FEMA money to Naples Park
Disasters that paid out in Naples Park itself (aid to households or repair grants to Naples Park), newest first, with that year’s flood claims.
- 2017Hurricane Irma5 households applied for aid$500 aid approved38 flood claims paid for it, $1.2M
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 Park after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Naples Park archive →Get ready for what Naples Park 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 Park
Is Naples Park at risk for natural disasters?
On FEMA’s National Risk Index, Naples Park has higher expected damage per building than 94% of U.S. towns: D for hazard risk, #548 of 638 in Florida. Most of the expected damage is hurricanes (68%) and river and rain flooding (30%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Naples Park flood?
Flood insurance has paid 230 claims in Naples Park since 1982, $13.7M in all, or 70.0 per 1,000 homes, more than 94% of U.S. towns with a flood insurance record. The most claims came from Hurricane Ian (127).
Is Naples Park 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 Park?
FEMA’s Community Rating System list shows no discount for Naples Park’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 Park?
By FEMA money that reached Naples Park, Hurricane Irma (2017): 5 households applied for aid, $500 approved. By flood claims, Hurricane Ian: 127 paid, $11.6M.
Is Naples Park at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (68%), and Naples Park’s rate for it is in the top 4% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Naples Park.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Naples Park’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.