Photo: Andre Carrotflower · CC BY-SA 4.0More hazard damage per building is expected in Naples than in 82% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Naples gets a C− for hazard risk: higher expected damage per building than 82% of U.S. towns. Most of that expected damage is river and rain flooding (97%). Flood insurance has paid 3 claims here since 1996.
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 faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
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’ grade
River and rain flooding is 97% of the building damage FEMA expects in Naples, and Naples’ rate of river and rain flooding damage is in the top 8% of U.S. census tracts.
C− higher expected damage per building than 82% of U.S. towns (21,298).
All of Naples’ residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.2M a year in losses across Naples: $1.1M to buildings, the rest to people and crops.
Does Naples flood? Rarely: 3 flood claims since 1996
Every paid claim on a federal flood insurance policy in Naples, from FEMA’s records: 2.4 per 1,000 homes, fewer than 57% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Fred1 claim · $25K
Naples isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Ontario County.6 federal disasters brought FEMA money to Naples
Disasters that paid out in Naples itself (aid to households or repair grants to the Town of Naples), newest first, with that year’s flood claims.
- 2024Remnants of Tropical Storm Debby$96K to the Town of Naples for repairs
- 2014Severe Storms and Flooding$247K to the Town of Naples for repairs
- 2011Severe Storms, Flooding, Tornadoes, and Straight-line Winds$1.1M to the Town of Naples for repairs
- 2004Severe Storms and Flooding$628K to the Town of Naples for repairs1 flood claim paid that year
- 2003Ice Storm$9K to the Town of Naples for repairs
- 1999Snow$15K to the Town of Naples for repairs
Ontario County has had 14 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.
Old photos of Naples after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Naples archive →Naples and its neighbors
Naples is 5th of the 5 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 |
|---|---|---|---|
| South Bristol | B+less damage than 73% | river and rain flooding | 20 |
| Springwater | B+less damage than 69% | river and rain flooding | 4 |
| Cohocton | B−less damage than 52% | river and rain flooding | 1 |
| Italy | C−more damage than 80% | river and rain flooding | 2 |
| Naples | C−more damage than 82% | river and rain flooding | 3 |
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 faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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
Is Naples at risk for natural disasters?
On FEMA’s National Risk Index, Naples has higher expected damage per building than 82% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (97%). 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 flood?
Flood insurance has paid 3 claims in Naples since 1996, $44K in all, or 2.4 per 1,000 homes, fewer than 57% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Fred (1).
Is Naples 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 Ontario County, 0.7% of all homes carry federal flood insurance.
How much is flood insurance in Naples?
FEMA’s Community Rating System list shows no discount for Naples’ 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?
By FEMA money that reached Naples, Severe Storms, Flooding, Tornadoes, and Straight-line Winds (2011): $1.1M to the Town of Naples for repairs. By flood claims, Tropical Storm Fred: 1 paid, $25K.
Is Naples at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (97%), and Naples’ rate for it is in the top 8% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Naples.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Naples’ 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.