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What flood insurance costs in Lee County, Florida
Public OpenFEMA data shows NFIP flood policy costs in Lee County, how many carry one, and which local discounts apply. These are medians from public records, not quotes.
A licensed Bright Coast agent quotes you directly
Last checked 2026-11-01 against Florida OIR, OpenFEMA and official Florida sources.
How much does flood insurance cost 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.
The sample covers 7,310 single-family policies out of 9,683 total policies effective 2026-06-01 to 2026-06-30. Of the single-family policies, 5,645 were inside the SFHA and 1,665 were outside.
Policy cost here is FEMA's full figure: calculated premium plus the reserve fund assessment, federal policy fee and HFIAA surcharge. Mobile homes are not in this single-family group.
Private flood prices are not in this data, and individual prices vary.
Source: OpenFEMA: FIMA NFIP Redacted Policies v3 — Checked: 2026-11-01
How many Lee County homes have flood insurance?
About 24.2% of Lee County's residential structures had an NFIP contract in force as of 2026-08-03, per OpenFEMA. Inside the SFHA, the rate rises to 47.5%. That leaves most homes without NFIP coverage, including many inside the mapped flood zone. Some may carry private flood instead, which this data does not count.
OpenFEMA counts 84,120 NFIP contracts across 346,951 residential structures in Lee County. In the SFHA, it counts 68,931 contracts and 145,195 structures.
18.1% of Lee County's NFIP policies cover homes outside the SFHA. The zone table separates federal flood medians by current mapped zone.
Neighboring Charlotte County has higher rates: 32.0% overall and 57.9% inside the SFHA. Collier County's overall rate is 29.5%.
To see which zone your address is in, check Bright Coast's flood zone lookup.
Source: OpenFEMA: NFIP Residential Penetration Rates · Bright Coast Florida flood zone lookup — Checked: 2026-11-01
Does my Lee County city get a flood insurance discount?
Most of Lee County's NFIP communities are CRS Class 5, which means a 25% discount inside the SFHA and 10% outside. Estero and Fort Myers are Class 6, with 20% inside and 10% outside. The discount depends on the community your home is in, not just the county.
Class 5 communities (25% inside the SFHA, 10% outside): unincorporated Lee County, Cape Coral, Bonita Springs, Sanibel and Fort Myers Beach.
Class 6 communities (20% inside the SFHA, 10% outside): the Village of Estero and the City of Fort Myers.
The class is set community by community, so homes on either side of a city line can see different discounts. Data comes from the NFIP Community Status Book, refreshed 2026-10-22.
Charlotte County and Punta Gorda are also Class 5, at 25% and 10%. In Collier County, Naples and Marco Island match that, while Everglades City is Class 9 at 5%.
Source: OpenFEMA: NFIP Community Status Book — Checked: 2026-11-01
What should Lee County drivers and homeowners know beyond flood?
Home and auto rules in Lee County follow statewide Florida law. Every vehicle with a current Florida registration needs at least $10,000 PIP and $10,000 PDL. Residential property insurers must offer hurricane deductibles of $500, 2%, 5% and 10% of dwelling limits, with some exceptions.
Keep auto coverage continuous even if the car sits parked, and surrender the plate before you cancel. PIP pays 80 percent of necessary and reasonable medical expenses up to $10,000, no matter who caused the crash.
A policy with a separate hurricane deductible must say so on its face in bold 18-point type. Bright Coast's hurricane deductible guide explains how the options work.
If a licensed property and casualty insurer becomes insolvent, FIGA steps in on covered claims and eligible refunds.
Coverage choices and deductibles you can actually afford are what shape your price.
Questions? 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
Is flood insurance cheaper outside the flood zone 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 Lee County homes carry flood insurance more or less often than Charlotte County's?
Less often than in Charlotte County. Charlotte's rates are 32.0% countywide and 57.9% inside the SFHA, versus 24.2% and 47.5% in Lee, as of 2026-08-03 (OpenFEMA). Both counties are CRS Class 5, with 25% SFHA and 10% non-SFHA discounts. Charlotte's cost medians aren't in this data.
Does living in Sanibel or Cape Coral change my flood discount?
Not between those two. Sanibel and Cape Coral are both CRS Class 5, with a 25% NFIP discount inside the SFHA and 10% outside. Fort Myers and Estero are Class 6, at 20% inside and 10% outside. Check your exact community, since the discount follows community lines.
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