HazardFacts

All states › Florida › Collier County

Natural hazard risk in Collier County, Florida

Updated October 30, 2026. Based on FEMA, NOAA and OpenFEMA data. Published by Humblebee.

FEMA overall Risk Index rating: Relatively High (score 98.9 of 100)[5]

Expected annual loss (FEMA)
$398.2 million[1]
Federal disaster declarations since 1965
52[2]
NFIP flood claims paid, 1978 to 2026
$1.13 billion[3]
Tornadoes recorded, 1950 to 2024
74[4]

FEMA rates the overall natural hazard risk for Collier County as Relatively High compared with other US counties[5]. Within the county, the hazards with the highest FEMA scores are hurricane, lightning and cold wave[6].

FEMA risk ratings for each hazard

Ratings and expected losses from the FEMA National Risk Index. Each rating compares this county with all US counties for that hazard, from Very Low to Very High. They are planning estimates, not predictions, and they do not describe any single property.

FEMA's National Risk Index (version 1.20, December 2025) estimates Expected Annual Loss from all 18 natural hazards in Collier County at $398.2 million a year[1]. This is a FEMA estimate of average yearly loss, not money anyone paid[7]. The largest hazard-type values are hurricane at $216.0 million a year, inland flooding at $123.6 million a year and cold wave at $33.6 million a year[8]. FEMA rates social vulnerability as Relatively High, which describes how susceptible social groups are to the harm natural hazards cause[9]. FEMA rates community resilience as Relatively Moderate, which describes a community's ability to prepare for, withstand and recover from hazards[10]. FEMA says the index is not meant to predict damage in the next year[7].

Hazards sorted by FEMA hazard-type Risk Index score, highest first
HazardFEMA risk ratingExpected annual loss
HurricaneVery High$216.0 million[11]
LightningVery High$4.3 million[12]
Cold WaveVery High$33.6 million[13]
Inland FloodingRelatively High$123.6 million[14]
WildfireRelatively Moderate$4.3 million[15]
Coastal FloodingVery High$9.4 million[16]
Heat WaveRelatively Moderate$3.6 million[17]
TornadoRelatively Moderate$2.5 million[18]
LandslideRelatively Low$4,355[19]
DroughtRelatively Moderate$297,000[20]
Strong WindRelatively Low$437,000[21]
EarthquakeVery Low$106,000[22]
HailVery Low$53,000[23]

Rated Not Applicable by FEMA for this county: avalanche, ice storm, volcanic activity[24].

Social vulnerability and community resilience

FEMA uses these two ratings to scale expected losses into the Risk Index.

FEMA measureRatingScore
Social vulnerabilityRelatively High74.7[9]
Community resilienceRelatively Moderate41.2[10]

Flooding and flood insurance

FEMA rates coastal flooding risk Very High and inland flooding risk Relatively High compared with other US counties[16][14]. OpenFEMA data as of 2026-08-03 lists 51,467 residential flood insurance contracts in force in Collier County[25]. OpenFEMA NFIP records from 1978 to 2026 show 14,773 claims filed for losses in the county, and NFIP paid $1.13 billion in total[3]. Flood zones apply to specific properties, so use FEMA's Flood Map Service Center to look up an address[26].

Measure Value
Inland Flooding, FEMA risk rating[14] Relatively High, $123.6 million expected loss a year
Coastal Flooding, FEMA risk rating[16] Very High, $9.4 million expected loss a year
NFIP residential flood policies in force (2026)[25] 51,467 of 174,174 homes
Homes in FEMA's mapped high-risk flood area (SFHA)[25] 152, of which 38,559 insured
NFIP flood claims, 1978 to 2026[3] 14,773 filed, $1.13 billion paid

Is a specific address in a flood zone? Only FEMA's flood maps answer that, property by property[26]. This page describes the whole county.

Search an address on the FEMA Flood Map Service Center

Disaster declarations and tornado records

OpenFEMA lists 52 federal disaster declarations for natural hazards that include Collier County since 1965, and 25 of them were for hurricanes[2]. The most recent is DR-4834-FL for Hurricane Milton, declared 2024-10-11[27]. NOAA's tornado database records 74 tornadoes that touched the county from 1950 to 2024[4]. The strongest were rated F2, and none were rated F3/EF3 or stronger[4].

Federal disaster declarations for natural hazards that include Collier County, since 1965
Incident type Declarations
Hurricane[2] 25
Fire[2] 9
Severe Storm[2] 6
Tropical Storm[2] 5
Freezing[2] 5
Tornado[2] 1
Coastal Storm[2] 1
Most recent declarations
Declaration Incident Declared
DR-4834-FL[27] Hurricane Milton 2024-10-11
EM-3622-FL[27] Hurricane Milton 2024-10-07
DR-4828-FL[27] Hurricane Helene 2024-09-28
EM-3615-FL[27] Tropical Storm Helene 2024-09-24
DR-4806-FL[27] Hurricane Debby 2024-08-10

How to prepare

Steps from Ready.gov, FEMA's preparedness site, for the hazards with the highest FEMA ratings here. Follow instructions from local officials and the National Weather Service when a warning is issued.

Hurricanes

Before

  • Know your hurricane risk, including rain, wind and tornadoes far inland from landfall.
  • Learn your evacuation zone and routes, and practice them with your household and pets.
  • Keep insurance policies and ID current, with password-protected digital copies.
  • Clear drains and gutters, bring in outdoor furniture and consider hurricane shutters.
  • Keep your phone charged, buy backup chargers and gather supplies, including medication and pet supplies.

During

  • If you are in a mandatory evacuation zone and officials order an evacuation, leave right away.
  • For high winds, take shelter in a designated storm shelter or an interior room.
  • If you are trapped by flooding, go to the highest level, but do not climb into a closed attic.

Source: Ready.gov, hurricanes

Winter storms and cold

Before

  • Insulate your home and learn how to keep pipes from freezing.
  • Install and test smoke and carbon monoxide detectors with battery backup.
  • Keep several days of supplies in case the power goes out, including medication and pet needs.
  • Put an emergency kit in your car with jumper cables, sand, blankets, water and snacks, and keep the tank full.

During

  • Under a winter storm warning, find shelter right away.
  • Stay off the roads if you can. If you are stuck in your car, stay inside it.
  • Run generators and grills only outdoors, away from windows, and never heat your home with an oven or stove.

Source: Ready.gov, winter storms and cold

Floods

Before

  • Check your flood risk with FEMA's Flood Map Service Center, and remember that floods do not follow map lines.
  • Sign up for your community's warning system. NOAA Weather Radio also broadcasts alerts.
  • Buy flood insurance through the NFIP well before a disaster. Homeowners policies do not cover flooding, and a new policy typically takes up to 30 days to go into effect.
  • Make a household plan with evacuation routes, shelter locations and what to do in a flash flood.
  • Keep important documents in a waterproof container and make password-protected digital copies.

During

  • If you are told to evacuate, leave right away and never drive around barricades.
  • Do not walk, swim or drive through floodwater. Six inches of moving water can knock you down.
  • If you are trapped in a building, go to the highest level, but do not climb into a closed attic.

Source: Ready.gov, floods

Questions people ask

Is Collier County at risk of flooding?
FEMA rates coastal flooding risk Very High and inland flooding risk Relatively High compared with other US counties[16][14]. For a single address, check FEMA's Flood Map Service Center[26].
Is Collier County at risk of hurricanes?
FEMA rates hurricane risk Very High compared with other US counties, with a score of 99.7 out of 100[11]. OpenFEMA lists 25 hurricane declarations that include the county since 1965[2].
Does Collier County get tornadoes?
NOAA's tornado database records 74 tornadoes that touched the county from 1950 to 2024[4]. FEMA rates tornado risk Relatively Moderate compared with other US counties[18].
Is Collier County at risk of earthquakes?
FEMA rates earthquake risk Very Low compared with other US counties[22].
How many disasters have been declared in Collier County?
OpenFEMA lists 52 federal disaster declarations for natural hazards that include Collier County since 1965[2].

Facts and sources

  1. FEMA National Risk Index (version 1.20, December 2025): Expected Annual Loss from all 18 natural hazards in Collier County is $398.2 million a year (Expected Annual Loss rating Relatively High, score 98.6). Of this, buildings account for $339.4 million, injuries and deaths (converted to dollars by FEMA) for $22.3... FEMA National Risk Index
  2. OpenFEMA Disaster Declarations Summaries list 52 federal disaster declarations for natural hazards that include Collier County since 1965 (30 major disaster, 22 emergency or fire management). By incident type: hurricane 25, fire 9, severe storm 6, tropical storm 5, freezing 5, tornado 1, coastal storm 1. Biological... OpenFEMA Disaster Declarations
  3. HazardFacts tally of OpenFEMA NFIP Redacted Claims (losses from 1978 to 2026): 14,773 National Flood Insurance Program claims were filed for losses in Collier County, 10,330 of them with a payment, and NFIP paid $1.13 billion in total (building, contents and increased cost of compliance, in dollars of the year... OpenFEMA NFIP claims
  4. NOAA Storm Prediction Center tornado database (1950 to 2024): 74 recorded tornadoes touched Collier County. The strongest were rated F2 (most recent of them on 1983-03-17). 0 were rated F3/EF3 or stronger. The most recent recorded tornado was on 2024-10-09. Ratings used the Fujita scale until early 2007 and the... NOAA Storm Prediction Center
  5. FEMA National Risk Index (version 1.20, December 2025): the overall natural hazard Risk Index rating for Collier County is Relatively High, with a Risk Index score of 98.9 out of 100. The score is the county's percentile rank among all US counties. FEMA National Risk Index
  6. Among the 18 hazards in the FEMA National Risk Index (version 1.20, December 2025), the hazards with the highest hazard-type Risk Index scores for Collier County are hurricane (99.7, Very High), lightning (99.4, Very High), cold wave (99.2, Very High). HazardFacts sorted FEMA's published scores; FEMA's scores... FEMA National Risk Index
  7. FEMA's National Risk Index FAQ (December 2025): Expected Annual Loss is FEMA's estimate of the average economic loss in dollars from natural hazards each year. The index is not meant to predict how much damage a community will have in the next year, and a hazard can still cause damage where a rating is low. Scores... FEMA National Risk Index documentation
  8. HazardFacts sorted FEMA's hazard-type Expected Annual Loss values for Collier County (National Risk Index v1.20): the largest are hurricane ($216.0 million a year), inland flooding ($123.6 million a year), cold wave ($33.6 million a year), out of $398.2 million a year from all 18 hazards. FEMA National Risk Index
  9. FEMA National Risk Index (version 1.20, December 2025): Social Vulnerability rating for Collier County is Relatively High (score 74.7). FEMA describes social vulnerability as how susceptible social groups are to the harm natural hazards cause. FEMA National Risk Index
  10. FEMA National Risk Index (version 1.20, December 2025): Community Resilience rating for Collier County is Relatively Moderate (score 41.2). FEMA describes community resilience as a community's ability to prepare for, withstand and recover from hazards. FEMA National Risk Index
  11. FEMA National Risk Index (version 1.20, December 2025), hurricane in Collier County: Risk Index rating Very High (score 99.7 of 100). Expected Annual Loss $216.0 million a year (rating Very High). Annualized frequency 0.29 events per year, from recorded occurrences over a period of record of 172 years for the... FEMA National Risk Index
  12. FEMA National Risk Index (version 1.20, December 2025), lightning in Collier County: Risk Index rating Very High (score 99.4 of 100). Expected Annual Loss $4.3 million a year (rating Very High). Annualized frequency 104.56 events per year, from recorded occurrences over a period of record of 24 years. FEMA National Risk Index
  13. FEMA National Risk Index (version 1.20, December 2025), cold wave in Collier County: Risk Index rating Very High (score 99.2 of 100). Expected Annual Loss $33.6 million a year (rating Very High). Annualized frequency 2.12 event-days per year, from recorded occurrences over a period of record of 18 years. FEMA National Risk Index
  14. FEMA National Risk Index (version 1.20, December 2025), inland flooding in Collier County: Risk Index rating Relatively High (score 98.2 of 100). Expected Annual Loss $123.6 million a year (rating Relatively High). Annualized frequency 1.04 event-days per year, from recorded occurrences over a period of record of... FEMA National Risk Index
  15. FEMA National Risk Index (version 1.20, December 2025), wildfire in Collier County: Risk Index rating Relatively Moderate (score 96.4 of 100). Expected Annual Loss $4.3 million a year (rating Relatively Moderate). FEMA's modeled annual frequency is 0.01 events per year. FEMA National Risk Index
  16. FEMA National Risk Index (version 1.20, December 2025), coastal flooding in Collier County: Risk Index rating Very High (score 95.1 of 100). Expected Annual Loss $9.4 million a year (rating Relatively High). FEMA's modeled annual frequency is 3.2959 events per year. FEMA National Risk Index
  17. FEMA National Risk Index (version 1.20, December 2025), heat wave in Collier County: Risk Index rating Relatively Moderate (score 93.7 of 100). Expected Annual Loss $3.6 million a year (rating Relatively Moderate). Annualized frequency 5.23 event-days per year, from recorded occurrences over a period of record of... FEMA National Risk Index
  18. FEMA National Risk Index (version 1.20, December 2025), tornado in Collier County: Risk Index rating Relatively Moderate (score 76.4 of 100). Expected Annual Loss $2.5 million a year (rating Relatively Moderate). Annualized frequency 1.36 events per year, from recorded occurrences over a period of record of 38 years. FEMA National Risk Index
  19. FEMA National Risk Index (version 1.20, December 2025), landslide in Collier County: Risk Index rating Relatively Low (score 69.5 of 100). Expected Annual Loss $4,355 a year (rating Very Low). FEMA National Risk Index
  20. FEMA National Risk Index (version 1.20, December 2025), drought in Collier County: Risk Index rating Relatively Moderate (score 65.0 of 100). Expected Annual Loss $297,000 a year (rating Relatively Low). Annualized frequency 12.14 event-days per year, from recorded occurrences over a period of record of 22 years. FEMA National Risk Index
  21. FEMA National Risk Index (version 1.20, December 2025), strong wind in Collier County: Risk Index rating Relatively Low (score 51.6 of 100). Expected Annual Loss $437,000 a year (rating Relatively Low). Annualized frequency 0.63 events per year, from recorded occurrences over a period of record of 38 years. FEMA National Risk Index
  22. FEMA National Risk Index (version 1.20, December 2025), earthquake in Collier County: Risk Index rating Very Low (score 38.6 of 100). Expected Annual Loss $106,000 a year (rating Very Low). FEMA's modeled annual frequency is 0.0002 events per year. FEMA National Risk Index
  23. FEMA National Risk Index (version 1.20, December 2025), hail in Collier County: Risk Index rating Very Low (score 19.8 of 100). Expected Annual Loss $53,000 a year (rating Very Low). Annualized frequency 0.61 events per year, from recorded occurrences over a period of record of 37 years. FEMA National Risk Index
  24. FEMA National Risk Index (version 1.20, December 2025) rates these hazards Not Applicable for Collier County: avalanche, ice storm, volcanic activity. FEMA uses Not Applicable when its source data has no historical record of the hazard in the community and the hazard is not considered geographically possible there. FEMA National Risk Index documentation
  25. NFIP Residential Penetration Rates (OpenFEMA, as of 2026-08-03): 51,467 residential flood insurance contracts were in force in Collier County, out of 174,174 residential structures, a penetration rate of 29.5%. Inside FEMA's mapped Special Flood Hazard Area there were 152 residential structures and 38,559... OpenFEMA NFIP penetration rates
  26. FEMA's Flood Map Service Center is the official public source for flood maps (Flood Insurance Rate Maps) produced under the National Flood Insurance Program. Flood zones apply to specific properties: look up an address there or ask the local floodplain manager. County-level ratings do not tell you the flood zone of... FEMA Flood Map Service Center
  27. Most recent federal disaster declarations for natural hazards (table on this page). OpenFEMA Disaster Declarations

FEMA's National Risk Index compares each county with all other US counties. Ratings are relative (Very Low to Very High), not a measure of safety. Never call a place safe, unsafe, good or bad to live in. Risk Index and Expected Annual Loss values are FEMA estimates for planning. They do not predict next year's losses and do not apply to a single property. Flood zones are set by FEMA flood maps for specific properties. County ratings and flood insurance counts do not tell anyone whether an address is in a flood zone. Disaster declaration, NFIP and tornado counts are records of the past for this county only. Do not compare with other counties unless a fact does.

Federal Emergency Management Agency (FEMA), National Risk Index Dataset: National Risk Index Counties, v1.20 (December 2025). Retrieved from fema.maps.arcgis.com on October 30, 2026. This product uses the Federal Emergency Management Agency's National Risk Index dataset API or downloadable datasets but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.