Naples, Florida Flood Zones
Naples faces significant Gulf Coast storm surge risk and is vulnerable to flooding from the Gordon River and its canal system. The low-lying terrain and proximity to the Everglades contribute to drainage challenges.
Common Flood Zones in Naples
Properties in Naples, FL are commonly designated in these FEMA flood zones:
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Enter any Naples, FL address to instantly see its FEMA flood zone, risk level, and whether flood insurance is required.
Free Flood Zone LookupWhat Your Flood Zone Means in Naples
FEMA assigns flood zone designations to every property in the United States based on flood risk assessments. In Naples, the most common designations are Zone AE, Zone VE, Zone X.
Properties in Special Flood Hazard Areas (SFHAs) - zones starting with A or V - are required to carry flood insurance if they have a federally-backed mortgage. Properties in Zone X are outside the SFHA and flood insurance is typically optional but often recommended.
Flood zone designations can change over time through Letters of Map Amendment (LOMA) or Letters of Map Revision (LOMR). Use our free lookup tool to check the current flood zone for any Naples address.