Guest, Sign inJoin

Post to Vineyards

We’ll email a one-tap link to publish your post. No password, and nothing is public until you click it.
Already a member? Sign in
D−Hazard risk
Natural hazards in Vineyards · FEMA

FEMA puts Vineyards’s expected hazard damage per building above that of 95% of U.S. towns, mostly from hurricanes

On FEMA’s National Risk Index, Vineyards gets a D− for hazard risk: higher expected damage per building than 95% of U.S. towns, #585 of 638 in Florida. Most of that expected damage is hurricanes (60%), then river and rain flooding (37%). FEMA’s files show no paid flood insurance claims here.

Hurricanes 60%River and rain flooding 37%Wildfire 1%

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 95%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#585 of 638 in Florida
Hazard risk
D−#585 of 638
in Florida · higher than 95% of U.S. towns
Main hazard
Hurricanes
60% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 36 declared for Collier County
By hazard

What Vineyards faces

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

Hurricanes

60%of expected building damage
Well above average · in the top 4% of U.S. census tracts
Recorded about once every 4 years in the area

River and rain flooding

37%of expected building damage
Well above average · higher than 82% of U.S. census tracts
Recorded about once a year in the area
Smaller shares here
 Wildfire Cold waves top 0% Tornadoes Coastal flooding Strong wind 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 Vineyards’ grade

Hurricanes are 60% of the building damage FEMA expects in Vineyards, and Vineyards’ rate of hurricanes damage is in the top 4% of U.S. census tracts. Wildfire adds 1%, at a rate in the top 9% of U.S. census tracts.

Where Vineyards sits
Vineyards
Least damageMiddleMost damage

D− #585 of 638 in Florida; higher expected damage per building than 95% of U.S. towns (21,298).

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

What drives the damage to buildings
Hurricanes60%River and rain flooding37%Everything else3%

The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Vineyards has more expected damage per building than 92% of Florida towns.

In dollars, FEMA expects about $5.0M a year in losses across Vineyards: $4.8M to buildings, the rest to people and crops.

Shared tract.All of Vineyards’ 3,883 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 Vineyards flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Vineyards. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of all homes are insured
No community discount

Vineyards 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.
Disasters

The storms Vineyards remembers

None of the 36 disasters declared for Collier County shows FEMA aid or repair money reaching Vineyards itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in VineyardsCollier County only

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.

Be ready

Get ready for what Vineyards 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 Vineyards

Is Vineyards at risk for natural disasters?

On FEMA’s National Risk Index, Vineyards has higher expected damage per building than 95% of U.S. towns: D− for hazard risk, #585 of 638 in Florida. Most of the expected damage is hurricanes (60%) and river and rain flooding (37%). 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.

Is Vineyards 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 Vineyards?

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

Is Vineyards at risk from hurricanes?

It is the largest share of the building damage FEMA expects here (60%), and Vineyards’ rate for it is in the top 4% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Vineyards.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Vineyards’ 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.