When did Collier County's new flood maps take effect?

February 8, 2024. FEMA issued its Letter of Final Determination on August 8, 2023, and the maps replaced the flood hazard maps published in 2012.

Who can tell me my flood zone in Collier County?

The Collier County Flood Information Hotline at (239) 252-2942 or floodinforequest@collier.gov. In the City of Naples or Marco Island, ask the city.

What is Collier County's flood insurance discount?

Unincorporated Collier County is a Class 5 community in FEMA's Community Rating System, and the county says eligible NFIP policies receive a 25% premium discount.

Collier County flood zone map and how to find your zone

Compiled by Joel Maldonado for SWFL.now from official sources · Last reviewed 20 October 2026

Collier County's current flood maps are the 2024 Coastal Flood Maps, effective February 8, 2024. Look up an address on the county's 2024 DFIRM map, FEMA's Map Service Center, or call the county Flood Information Hotline at (239) 252-2942. Newer preliminary maps are not yet the effective regulatory map.

How to look up a Collier County flood zone

Collier County 2024 DFIRM mapThe county's interactive map of the effective flood zones.
FEMA National Flood Hazard Layer viewerCurrent effective FEMA data.
FEMA Flood Map Service CenterOfficial FIRM panels and printable FIRMettes.
FEMA comparison toolCompares the current 2024 map with the proposed 2026 map revision.

All four are linked from Collier County Floodplain Management. For an official answer, call the Flood Information Hotline at (239) 252-2942 or email [email protected].

In the City of Naples? The city runs its own lookup: see Naples flood zone.

What the 2024 maps changed

The 2024 Collier County Coastal Flood Map took effect on February 8, 2024, six months after FEMA's Letter of Final Determination of August 8, 2023. It reflects flood hazard changes since the previous maps of 2012 and comes from FEMA's Southwest Florida coastal study covering Charlotte, Collier, DeSoto, Hendry, Lee and Sarasota counties. Some earlier Letters of Map Change were revalidated and some were superseded; the county lists them in its revalidation letter and Summary of Map Actions (Collier County).

Preliminary is not effective. Collier County says "the March 20, 2025 maps remain preliminary and should not be treated as the effective regulatory FIRM" (Collier County). Use the February 8, 2024 maps for insurance and building until the county says otherwise.

For what each zone letter means, see what flood zone am I in?

Elevation certificates in Collier County

Collier County keeps an Elevation Certificate Map showing whether a certificate is on file, and publishes a list of surveyors who can prepare a new one. A Professional Surveyor and Mapper must prepare it on the current FEMA form (Collier County). An elevation certificate is optional for NFIP insurance but can lower the premium (FEMA).

Insurance discount and the 50% rule

CRS Class 5. Unincorporated Collier County is a Class 5 community in FEMA's Community Rating System (Collier County), and the county says eligible NFIP policies get a 25% premium discount (Collier County 2026 flood newsletter).
50% rule. Repairs or improvements costing 50% or more of the building's market value require the building to meet current flood rules. The county explains its process on its substantial improvement and substantial damage pages.

Flood zone is not evacuation zone

Collier County Emergency Management sets evacuation zones by storm surge risk. See Collier County evacuation zones.

Frequently asked questions

When did Collier County's new flood maps take effect?: February 8, 2024. FEMA issued its Letter of Final Determination on August 8, 2023, and the maps replaced the flood hazard maps published in 2012.
Are the 2025 preliminary flood maps in effect in Collier County?: No. Collier County says the March 20, 2025 maps remain preliminary and should not be treated as the effective regulatory FIRM. The February 8, 2024 maps are in effect.
Who can tell me my flood zone in Collier County?: The Collier County Flood Information Hotline at (239) 252-2942 or [email protected]. In the City of Naples or Marco Island, ask the city.
What is Collier County's flood insurance discount?: Unincorporated Collier County is a Class 5 community in FEMA's Community Rating System, and the county says eligible NFIP policies receive a 25% premium discount.

About this guide. SWFL.now is a free information guide. It is not a government website. Facts are checked against FEMA, the National Hurricane Center, the State of Florida and Lee, Collier and Charlotte county agencies, and each source is linked where it is used. Rules, maps and programs change, so always confirm with the official source before you act. This is general information, not insurance, legal or engineering advice. SWFL.now is operated alongside FloodProtection.now and Flood Barrier Pros; see About.