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Flood Zone Maps
2012 Flood Insurance Rate Maps are in effect for construction and insurance purposes!
The Federal Emergency Management Agency (FEMA) in a co-operative agreement with Collier County and the City of Naples has just completed a major effort to develop detailed digital flood hazard maps that reflect current flood risks throughout the community. The new 2012 Flood Zone Maps replace the existing 2005 maps using updated and more detailed information.

These maps are referred to as Flood Insurance Rate Maps (FIRMs) and illustrate flood hazards throughout the community and are used when determining flood insurance policy rates. Residents and business owners can view maps to better understand their potential flood risk to help identify steps they may need to take to protect against property damage and flood loss.


Flood Zone Designations – What Do They Mean?

Special Flood Hazard Areas
  • Zone AH is an area subject to inundation by 1% annual chance shallow flooding with a constant water-surface elevation (usually areas of ponding) where average depths are between 1 and 3 feet. Base Flood Elevations determined. Mandatory flood insurance purchase requirements and floodplain management standards apply.
  • Zone AE is an area subject to inundation by the 1% annual chance flood, including areas with the 2% wave run-up, elevation less than 3 feet above the ground, and areas with wave heights less than 3 feet.  Base Flood Elevations determined.  Mandatory flood insurance purchase requirements and floodplain managment standards apply.
  • Zone VE is a Coastal high hazard area subject to inundation by the 1% annual chance of flood, where wave action and/or high-velocity water can cause structural damage.  Wave height zone is 3 feet or greater.  Base Flood Elevations determined.  Mandatory flood insurance purchase requirements and floodplain managment standards apply.
   Other Flood Zones
  • Zone X (500 year - shaded) is an area subject to inundation by the 0.2% annual chance flood with average flood depths of less than 1 foot or with drainage areas less than 1 square mile.  Flood insurance is not required but recommended and minimum floodplain management standards apply.
  • Zone X (unshaded) is an area outside the 0.2% annual chance flood.  Flood insurance is not required but recommended and minimum floodplain management standards apply.

Map Your Property
To find out if you property lies in an area susceptible to flooding, known as Special Flood Hazard Areas or flood zones, you can view the flood maps using the
City of Naples interactive web tool. Once you navigate to this web tool, please enter your address to view the map for your area. For confirmation of your property’s official flood zone designation, please contact the Floodplain Coordinator via email or by phone at 239-213-5039 or call you local flood insurance agent.

Flood Insurance Rate Maps
The City of Naples joined the National Flood Insurance Program on July 2, 1971. The first Flood Insurance Rate Map (FIRM) was published on February 13, 1976. Since that time the FIRMs have been revised or updated approximately five times with the newest maps going into effect for flood insurance purposes on May 16, 2012. Below are copies of all the current and prior FIRMs the community has on file.

1976 Flood Insurance Rate Maps
1980 Flood Insurance Rate Maps
1986 Flood Insurance Rate Maps
1992 Flood Insurance Rate Maps
2005 Flood Insurance Rate Maps
2012 Flood Insurance Rate Maps