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Flood insurance cost · Collier County, FL

Flood insurance cost in Collier County, Florida

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 46,783 home policies in force on August 31, 2026.

Collier County, FloridaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,309a year

Half of insured homes paid between $1,034 and $2,058. That is 29% more than the Florida median ($1,017). The most common flood zone for insured homes here is zone AE (49%).

$0$1,034 · $1,309 · $2,058$2,572
+13.4% vs Aug 31, 2025 (median $1,154)
46,783home policies in force
$1,949average cost (mean)
75%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Collier County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$2,688$1,391–$5,760$3,918157 (0%)+13.4%
Zone AE
High risk		$1,844$1,227–$3,231$2,62923,138 (49%)+15.8%
Zone A
High risk		$1,451$896–$1,730$1,36311 (0%)+4.9%
Zone AH
High risk, shallow		$1,028$796–$1,495$1,17911,559 (25%)+10.5%
Zone X
Moderate to low risk		$1,264$1,083–$1,378$1,35111,912 (25%)+16.8%

Not shown (fewer than 10 home policies): AO, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Collier County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home39,988$1,350$2,037
2–4 unit building689$1,718$2,433
Manufactured (mobile) home958$1,754$1,878
Condo or apartment unit5,148$1,010$1,219
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		4,377$6,186$10,356
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		3,071$3,304$5,326
54,231NFIP policies in force, any building
97,884insured units (condo association policies count every unit)
80%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Collier County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force50,18046,783−6.8%
Median annual cost$1,154$1,309+13.4%
Average annual cost$1,738$1,949+12.1%
All policies in force (any building)57,79754,231−6.2%

How many homes have flood insurance?

29.5%of all homes in Collier County have an NFIP policy
25367.8%of homes in high-risk zones (special flood hazard area) have one
174,174residential buildings counted by FEMA
152of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Collier County, Florida have filed 14,776 flood claims. 10,331 received a payment, for a total of $1.1 billion (an average of $109,392 per paid claim). The year with the most claims was 2022 (7,904 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1979: 14 claims19801982: 65 claims, 32 paid, $156,304 in total1983: 14 claims1985: 65 claims, 26 paid, $130,183 in total1987: 26 claims, 17 paid, $28,283 in total1988: 47 claims, 18 paid, $244,525 in total19901991: 11 claims1992: 137 claims, 37 paid, $194,142 in total1993: 47 claims, 22 paid, $107,090 in total1995: 300 claims, 197 paid, $1,547,357 in total1996: 18 claims1998: 32 claims1999: 73 claims, 42 paid, $303,096 in total20002001: 179 claims, 111 paid, $1,953,695 in total2003: 48 claims, 26 paid, $158,304 in total2004: 75 claims, 28 paid, $1,113,601 in total2005: 643 claims, 269 paid, $6,193,657 in total2006: 12 claims2008: 50 claims, 28 paid, $253,065 in total2009: 15 claims2010: 11 claims20102011: 15 claims2012: 21 claims2013: 34 claims, 17 paid, $137,942 in total2014: 39 claims, 23 paid, $736,843 in total2015: 16 claims2016: 14 claims2017: 2,785 claims, 1,399 paid, $61,407,520 in total20172018: 21 claims2019: 10 claims2020: 45 claims, 11 paid, $236,630 in total20202021: 17 claims2022: 7,904 claims, 6,522 paid, $924,805,460 in total20222023: 48 claims, 13 paid, $273,558 in total2024: 1,847 claims, 1,435 paid, $129,271,643 in total20242025: 11 claims
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (36)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202511<10––
20241,8471,435$129,271,643$90,085
20234813$273,558$21,043
20227,9046,522$924,805,460$141,798
202117<10––
20204511$236,630$21,512
201910<10––
201821<10––
20172,7851,399$61,407,520$43,894
201614<10––
201516<10––
20143923$736,843$32,037
20133417$137,942$8,114
201221<10––
201115<10––
201011<10––
200915<10––
20085028$253,065$9,038
200612<10––
2005643269$6,193,657$23,025
20047528$1,113,601$39,771
20034826$158,304$6,089
2001179111$1,953,695$17,601
19997342$303,096$7,217
199832<10––
199618<10––
1995300197$1,547,357$7,855
19934722$107,090$4,868
199213737$194,142$5,247
199111<10––
19884718$244,525$13,585
19872617$28,283$1,664
19856526$130,183$5,007
198314<10––
19826532$156,304$4,884
197914<10––

From 2016 to 2026: 12,702 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

ZIP codes in Collier County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Unincorporated Collier County (36,417 home policies) · Marco Island (5,861 home policies) · Naples (4,402 home policies) · Everglades City (86 home policies)