On FEMA’s figures, Winding Cypress faces more hazard damage per building than 96% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Winding Cypress gets a D− for hazard risk: higher expected damage per building than 96% of U.S. towns. Most of that expected damage is hurricanes (57%), then river and rain flooding (34%). 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 Winding Cypress 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
Wildfire
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 Winding Cypress’ grade
Hurricanes are 57% of the building damage FEMA expects in Winding Cypress, and Winding Cypress’ rate of hurricanes damage is in the top 3% of U.S. census tracts. Wildfire adds 7%, at a rate in the top 3% of U.S. census tracts.
D− higher expected damage per building than 96% of U.S. towns (21,298).
All of Winding Cypress’ residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $591K a year in losses across Winding Cypress: $543K to buildings, the rest to people and crops.
Does Winding Cypress flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Winding Cypress. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Winding Cypress 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 Winding Cypress remembers
None of the 36 disasters declared for Collier County shows FEMA aid or repair money reaching Winding Cypress itself in FEMA’s records, so these are its biggest flood-claim years.
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.
Winding Cypress and its neighbors
Winding Cypress is 2nd of the 2 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 |
|---|---|---|---|
| Verona Walk | D−more damage than 96% | hurricanes | — |
| Winding Cypress | D−more damage than 96% | hurricanes | 0 |
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 Winding Cypress 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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 Winding Cypress
Is Winding Cypress at risk for natural disasters?
On FEMA’s National Risk Index, Winding Cypress has higher expected damage per building than 96% of U.S. towns: D− for hazard risk. Most of the expected damage is hurricanes (57%) and river and rain flooding (34%). 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 Winding Cypress 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 Winding Cypress?
FEMA’s Community Rating System list shows no discount for Winding Cypress’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Winding Cypress at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (57%), and Winding Cypress’ rate for it is in the top 3% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Winding Cypress.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Winding Cypress’ 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.