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Flood insurance cost · Lee County, FL

Flood insurance cost in Lee County, Florida

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 77,262 home policies in force on August 31, 2026.

Lee County, FloridaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,695a year

Half of insured homes paid between $1,136 and $2,926. That is 67% more than the Florida median ($1,017). Most insured homes here are rated in zone AE (79%).

$0$1,136 · $1,695 · $2,926$3,658
+15.3% vs Aug 31, 2025 (median $1,470)
77,262home policies in force
$2,270average cost (mean)
82%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 Lee 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		$2,288$1,192–$5,518$3,5101,024 (1%)+9.2%
Zone AE
High risk		$2,004$1,266–$3,300$2,52860,974 (79%)+13.0%
Zone A
High risk		$708$528–$1,209$923358 (0%)+5.8%
Zone AO
High risk, shallow		$4,942$2,200–$6,714$5,19526 (0%)−4.0%
Zone AH
High risk, shallow		$1,029$848–$1,194$1,040591 (1%)+5.4%
Zone X
Moderate to low risk		$1,134$937–$1,267$1,16114,289 (18%)+8.4%

Not shown (fewer than 10 home policies): 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 Lee County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home65,994$1,788$2,379
2–4 unit building1,848$2,627$2,983
Manufactured (mobile) home2,821$1,918$2,040
Condo or apartment unit6,599$887$1,084
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.		6,184$6,670$9,828
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		3,594$4,256$5,827
87,040NFIP policies in force, any building
130,888insured units (condo association policies count every unit)
74%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Lee 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 force81,73777,262−5.5%
Median annual cost$1,470$1,695+15.3%
Average annual cost$2,031$2,270+11.8%
All policies in force (any building)91,60687,040−5.0%

How many homes have flood insurance?

24.2%of all homes in Lee County have an NFIP policy
47.5%of homes in high-risk zones (special flood hazard area) have one
346,951residential buildings counted by FEMA
145,195of 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 Lee County, Florida have filed 48,472 flood claims. 36,891 received a payment, for a total of $4.0 billion (an average of $107,222 per paid claim). The year with the most claims was 2022 (28,877 claims). Amounts are in dollars of the time, not adjusted for inflation.

010k20k30k40k1978: 12 claims1979: 47 claims, 28 paid, $31,201 in total1980: 16 claims19801981: 39 claims, 15 paid, $30,436 in total1982: 406 claims, 240 paid, $567,275 in total1983: 31 claims, 14 paid, $87,496 in total1984: 12 claims1985: 291 claims, 161 paid, $494,021 in total1987: 30 claims, 16 paid, $18,782 in total1988: 700 claims, 486 paid, $2,562,245 in total1989: 29 claims, 12 paid, $84,399 in total19901992: 93 claims, 48 paid, $377,136 in total1993: 144 claims, 75 paid, $487,444 in total1995: 415 claims, 274 paid, $2,584,772 in total1996: 52 claims, 25 paid, $183,036 in total1997: 31 claims1998: 64 claims, 22 paid, $52,979 in total1999: 63 claims, 22 paid, $90,694 in total2000: 105 claims, 55 paid, $218,085 in total20002001: 1,609 claims, 1,263 paid, $17,613,867 in total2002: 33 claims, 11 paid, $52,580 in total2003: 71 claims, 34 paid, $235,023 in total2004: 4,279 claims, 2,338 paid, $45,797,818 in total20042005: 247 claims, 71 paid, $1,092,603 in total2006: 48 claims, 25 paid, $365,808 in total2007: 15 claims2008: 91 claims, 48 paid, $913,445 in total2009: 22 claims2010: 24 claims20102011: 39 claims, 15 paid, $224,457 in total2012: 54 claims, 17 paid, $182,102 in total2013: 58 claims, 26 paid, $217,051 in total2014: 11 claims2015: 28 claims2016: 51 claims, 22 paid, $412,584 in total2017: 2,561 claims, 1,469 paid, $66,239,619 in total2018: 33 claims2019: 19 claims2020: 170 claims, 92 paid, $2,094,573 in total20202021: 37 claims, 10 paid, $90,481 in total2022: 28,877 claims, 23,792 paid, $3,389,861,542 in total20222023: 150 claims, 47 paid, $2,091,897 in total2024: 7,303 claims, 6,057 paid, $419,381,030 in total20242025: 26 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 (44)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202526<10––
20247,3036,057$419,381,030$69,239
202315047$2,091,897$44,508
202228,87723,792$3,389,861,542$142,479
20213710$90,481$9,048
202017092$2,094,573$22,767
201919<10––
201833<10––
20172,5611,469$66,239,619$45,092
20165122$412,584$18,754
201528<10––
201411<10––
20135826$217,051$8,348
20125417$182,102$10,712
20113915$224,457$14,964
201024<10––
200922<10––
20089148$913,445$19,030
200715<10––
20064825$365,808$14,632
200524771$1,092,603$15,389
20044,2792,338$45,797,818$19,588
20037134$235,023$6,912
20023311$52,580$4,780
20011,6091,263$17,613,867$13,946
200010555$218,085$3,965
19996322$90,694$4,122
19986422$52,979$2,408
199731<10––
19965225$183,036$7,321
1995415274$2,584,772$9,433
199314475$487,444$6,499
19929348$377,136$7,857
19892912$84,399$7,033
1988700486$2,562,245$5,272
19873016$18,782$1,174
1985291161$494,021$3,068
198412<10––
19833114$87,496$6,250
1982406240$567,275$2,364
19813915$30,436$2,029
198016<10––
19794728$31,201$1,114
197812<10––

From 2016 to 2026: 39,227 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 Lee County

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

Main NFIP communities in the county

Unincorporated Lee County (34,629 home policies) · Cape Coral (26,039 home policies) · Bonita Springs (5,970 home policies) · Sanibel (3,535 home policies) · Fort Myers (3,175 home policies) · Estero (2,454 home policies)