Property Atlas

County hazard profile

Lee, FL

Florida · pop. 759,922 · FIPS 12071

Relatively High
FEMA risk rating · RATING
Hurricane
dominant hazard
$433M
modeled expected annual loss/yr

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

among the highest nationally

national median $15M/yr Lee $433M

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 99.05/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively High 67.84/100
national median ~50 near the national middle (68th percentile)
Community resilienceVery Low 8.78/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Lee

The National Flood Insurance Program has paid 48,455 flood-insurance claims totaling $3.95B in Lee since 1978. The costliest year was 2022 ($3.39B paid).

Flood-insurance dollars paid by year of loss

1978: $7,066 paid 1979: $31,201 paid 1980: $9,441 paid 1981: $30,436 paid 1982: $565,242 paid 1983: $87,496 paid 1984: $0 paid 1985: $494,021 paid 1986: $33,959 paid 1987: $18,782 paid 1988: $2,562,245 paid 1989: $84,399 paid 1990: $23,369 paid 1991: $59,397 paid 1992: $377,136 paid 1993: $487,444 paid 1994: $0 paid 1995: $2,584,772 paid 1996: $183,036 paid 1997: $46,133 paid 1998: $52,979 paid 1999: $90,694 paid 2000: $218,085 paid 2001: $17,613,867 paid 2002: $52,580 paid 2003: $226,043 paid 2004: $45,797,818 paid 2005: $1,092,603 paid 2006: $365,808 paid 2007: $496 paid 2008: $913,445 paid 2009: $3,522 paid 2010: $50,523 paid 2011: $224,457 paid 2012: $182,102 paid 2013: $217,051 paid 2014: $0 paid 2015: $327,397 paid 2016: $412,584 paid 2017: $66,233,546 paid 2018: $150,345 paid 2019: $23,052 paid 2020: $2,094,573 paid 2021: $90,481 paid 2022: $3,389,600,145 paid 2023: $2,091,897 paid 2024: $418,799,911 paid 2025: $55,268 paid 2026: $0 paid 2022 · $3.39B 1978 2026
$3.95B
total paid
$81,615
average claim
$10.8M
largest single claim
95%
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 Lee, FL and where it ranks among U.S. counties. It is not a verdict on whether Lee 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.