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Published by Bright Coast Insurance
Collier County flood insurance: what the public data shows
OpenFEMA tracks NFIP policies, costs and community discounts for Collier County. Here is what those numbers say, where one of them breaks, and what they can't tell you about your own price.
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Last checked 2026-11-01 against Florida OIR, OpenFEMA and official Florida sources.
What do Collier County homeowners typically pay for NFIP flood insurance?
The NFIP flood policy median (federal flood only) is shown in the county table with policy counts. It covers single-family policies effective June 2026 from OpenFEMA. Current flood zones determine the splits; groups below 30 policies are hidden. Individual quotes vary.
The sample covers 4,414 single-family policies out of 5,952 total, effective 2026-06-01 to 2026-06-30. Of those, 3,220 were inside the SFHA and 1,194 were outside.
Policy cost is FEMA's total: calculated premium, reserve fund assessment, federal policy fee and HFIAA surcharge. Mobile homes are excluded from the single-family group.
Private flood prices are not in this data.
Source: OpenFEMA: FIMA NFIP Redacted Policies v3 — Checked: 2026-11-01
How many Collier County homes have NFIP flood insurance?
About 29.5% of Collier County's residential structures had an NFIP contract in force as of 2026-08-03, per OpenFEMA. We don't show a rate for the SFHA alone, because OpenFEMA's figures there are inconsistent: 152 SFHA structures against 38,559 SFHA contracts. That can't be right.
Overall, OpenFEMA counts 51,467 NFIP contracts and 174,174 residential structures in Collier County.
The SFHA math breaks because a zone can't have more flood contracts than homes. OpenFEMA's resulting SFHA rate is 253.6776, so we leave it out rather than guess at a fix.
25.1% of Collier's NFIP policies cover homes outside the SFHA. Flood coverage is not limited to the mapped high-risk zone.
For neighbors, Lee County's overall rate is 24.2% and Hendry County's is 4.4%. In Hendry, 32.7% of NFIP policies are outside the SFHA.
Check your address on Bright Coast's flood zone lookup.
Source: OpenFEMA: NFIP Residential Penetration Rates · Bright Coast Florida flood zone lookup — Checked: 2026-11-01
Which Collier County communities get the biggest CRS flood discount?
Collier County, Naples and Marco Island are all CRS Class 5, which gives NFIP policyholders a 25% discount inside the SFHA and 10% outside. Everglades City is Class 9, with 5% inside and 5% outside. Your discount follows the community your home sits in.
Homes in unincorporated Collier County fall under the county's own Class 5 rating.
In Everglades City, the same 5% applies both inside and outside the SFHA.
Next door, Lee County's communities are Class 5 or 6. Hendry County is Class 8 (10% inside, 5% outside), Clewiston is Class 9, and LaBelle has no CRS class listed.
Source: NFIP Community Status Book, refreshed 2026-08-25.
Source: OpenFEMA: NFIP Community Status Book — Checked: 2026-11-01
What statewide home and auto rules apply in Collier County?
Collier County follows the same Florida rules as everywhere else in the state. Drivers need at least $10,000 PIP and $10,000 PDL on any registered vehicle, kept continuous. Homeowners get a menu of hurricane deductible options by law, and FIGA backs covered claims if a licensed insurer becomes insolvent.
PDL pays for damage you or someone driving your insured vehicle causes to another person's property. PIP covers 80 percent of necessary and reasonable medical expenses up to $10,000, regardless of fault.
Insurers must offer hurricane deductibles of $500, 2%, 5% and 10% of dwelling limits. At dwelling limits of $250,000 or more, the $500 option need not be offered. Bright Coast's hurricane deductible guide goes deeper.
Call (239) 475-0361, Mon-Fri 8 AM-5 PM ET. Hablamos español.
Source: FLHSMV: Florida insurance requirements · Florida Statutes s. 627.701 (hurricane deductibles) · Florida Insurance Guaranty Association (FIGA) — Checked: 2026-11-01
OpenFEMA · June 2026 · Single-family
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NFIP flood policy median (federal flood only) · reference only, not our price or a quote.
| County | A/AE · NFIP flood policy median (federal flood only) | V/VE · NFIP flood policy median (federal flood only) | X · NFIP flood policy median (federal flood only) |
|---|---|---|---|
| Lee County | $2,036 3,088 policies | $1,706 61 policies | $1,264 1,224 policies |
| Collier County | $1,908 1,110 policies | — | $1,267 755 policies |
| Miami-Dade County | $941 3,722 policies | — | $1,252 865 policies |
| Charlotte County | — | — | — |
| Hendry County | — | — | — |
| Broward County | — | — | — |
| Monroe County | — | — | — |
Source: OpenFEMA Redacted Policies v3. Occupancy type 11; effective June 1–30, 2026. Split uses the current floodZone field, named floodZoneCurrent in v3, rather than ratedFloodZone. Medians use policyCost (premium plus federal fees and assessments); counts sum policyCount. Zones other than A/AE, V/VE and X, and unknown zones, are excluded from splits. Groups with fewer than 30 policies are hidden; — means no publishable sample. Federal flood only, not homeowners, private flood or association master-policy prices. Retrieved November 1, 2026.
Asked every week
Quick answers
Can I trust OpenFEMA's flood zone numbers for Collier County?
Mostly, but not the SFHA coverage rate. OpenFEMA lists 152 SFHA residential structures against 38,559 SFHA contracts, which can't be right, so we don't show that rate. The June 2026 policy cost medians come from a separate OpenFEMA dataset and are shown as reported.
Is flood insurance cheaper in Collier than in Lee County?
The NFIP flood policy median (federal flood only) is shown in the county table with policy counts. It covers single-family policies effective June 2026 from OpenFEMA. Current flood zones determine the splits; groups below 30 policies are hidden. Individual quotes vary.
Do I get a CRS discount if I live in Everglades City?
Yes, but a smaller one. Everglades City is CRS Class 9, which gives NFIP policies a 5% discount both inside and outside the SFHA. Nearby Naples, Marco Island and unincorporated Collier County are Class 5, at 25% inside the SFHA and 10% outside.
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