FEMA puts Pine Manor’s expected hazard damage per building above that of 89% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Pine Manor gets a D for hazard risk: higher expected damage per building than 89% of U.S. towns, #419 of 638 in Florida. Most of that expected damage is hurricanes (75%), then river and rain flooding (23%). FEMA’s files show no paid flood insurance claims here.
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 Pine 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 Pine Manor’s grade
Hurricanes are 75% of the building damage FEMA expects in Pine Manor, and Pine Manor’s rate of hurricanes damage is in the top 5% of U.S. census tracts. Next is river and rain flooding at 23% (lower than 70% of U.S. census tracts).
D #419 of 638 in Florida; higher expected damage per building than 89% of U.S. towns (21,298).
Pine Manor’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, Pine Manor has more expected damage per building than 66% of Florida towns.
In dollars, FEMA expects about $1.2M a year in losses across Pine Manor: $971K to buildings, the rest to people and crops.
Does Pine Manor flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Pine Manor. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Pine 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: Lee County.1 federal disaster brought FEMA money to Pine Manor
Disasters that paid out in Pine Manor itself (aid to households or repair grants to Pine Manor), newest first, with that year’s flood claims.
- 2017Hurricane Irma1 households applied for aid$500 aid approved
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.
Old photos of Pine Manor after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Pine Manor archive →Pine Manor and its neighbors
Pine Manor has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Pine Manor | Dmore damage than 89% | hurricanes | 0 |
| Fort Myers | Dmore damage than 89% | hurricanes | 711 |
| Whiskey Creek | Dmore damage than 90% | hurricanes | 18 |
| Villas | Dmore damage than 90% | hurricanes | 49 |
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 Pine 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 Pine Manor
Is Pine Manor at risk for natural disasters?
On FEMA’s National Risk Index, Pine Manor has higher expected damage per building than 89% of U.S. towns: D for hazard risk, #419 of 638 in Florida. Most of the expected damage is hurricanes (75%) and river and rain flooding (23%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Pine 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 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 Pine Manor?
FEMA’s Community Rating System list shows no discount for Pine 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 Pine Manor?
By FEMA money that reached Pine Manor, Hurricane Irma (2017): 1 households applied for aid, $500 approved.
Is Pine Manor at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (75%), and Pine Manor’s rate for it is in the top 5% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Pine Manor.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Pine 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.