Property Atlas

County hazard profile

Collier, FL

Florida · pop. 375,443 · FIPS 12021

Relatively High
FEMA risk rating · RATING
Hurricane
dominant hazard
$398M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the highest nationally

national median $15M/yr Collier $398M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively High 98.92/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively High 74.71/100
national median ~50 higher than 75% of counties
Community resilienceRelatively Moderate 41.28/100
national median ~50 near the national middle (41st percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Collier

The National Flood Insurance Program has paid 14,761 flood-insurance claims totaling $1.13B in Collier since 1978. The costliest year was 2022 ($923.6M paid).

Flood-insurance dollars paid by year of loss

1978: $29,806 paid 1979: $7,141 paid 1980: $2,500 paid 1981: $1,801 paid 1982: $156,304 paid 1983: $9,853 paid 1984: $2,988 paid 1985: $130,183 paid 1986: $5,904 paid 1987: $28,283 paid 1988: $244,525 paid 1989: $0 paid 1991: $2,910 paid 1992: $194,142 paid 1993: $107,090 paid 1994: $0 paid 1995: $1,547,357 paid 1996: $276,199 paid 1997: $0 paid 1998: $73,256 paid 1999: $303,096 paid 2000: $0 paid 2001: $1,953,695 paid 2002: $16,725 paid 2003: $158,304 paid 2004: $1,113,601 paid 2005: $6,193,657 paid 2006: $1,067 paid 2007: $0 paid 2008: $253,065 paid 2009: $17,116 paid 2010: $0 paid 2011: $33,033 paid 2012: $13,576 paid 2013: $137,942 paid 2014: $736,843 paid 2015: $218,864 paid 2016: $49,316 paid 2017: $61,463,958 paid 2018: $16,189 paid 2019: $0 paid 2020: $236,630 paid 2021: $8,228 paid 2022: $923,613,517 paid 2023: $270,190 paid 2024: $128,515,723 paid 2025: $93,305 paid 2026: $0 paid 2022 · $923.6M 1978 2026
$1.13B
total paid
$76,434
average claim
$4.7M
largest single claim
93%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Collier, FL and where it ranks among U.S. counties. It is not a verdict on whether Collier is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.