In an emergency, call 911. Follow evacuation orders from your county: Lee · Collier · Charlotte
swfl.now

Naples flood zone map and how to look up your zone

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

In the City of Naples, enter your address in the city's flood map tool; 2024 Flood Insurance Rate Maps are in effect there, replacing the 2012 maps. For an official answer, call the city Floodplain Coordinator at (239) 213-5008. Outside city limits (North Naples, Golden Gate, East Naples), use Collier County's lookup.

First: city or county?

A Naples mailing address can be inside the City of Naples or in unincorporated Collier County. They keep separate flood records:

City sources: Flood Zone Maps and Floodplain Information.

Which maps apply in the City of Naples

The city says "2024 Flood Insurance Rate Maps are in effect for construction and insurance purposes," replacing maps that had been in effect since May 16, 2012, "using updated and more detailed information" (City of Naples). The changes "may affect rates" on NFIP policies and construction rules for some properties, and the city offers an online comparison map to see whether your zone or Base Flood Elevation changed (City of Naples).

The city also cautions that flood information on its website "is subject to change," and that before buying or building you should confirm through "an official flood zone determination" (City of Naples).

For what AE, VE and X mean, see what flood zone am I in?

Elevation certificates in Naples

The City of Naples Floodplain Coordinator provides elevation certificates if one is on file (City of Naples). Otherwise, a licensed surveyor prepares one. A certificate is optional for NFIP insurance but can lower your premium (FEMA).

Why the zone matters in Naples

Hurricane Ian pushed an estimated 6 to 9 feet of storm surge inundation into Naples in 2022 (NHC Ian report). Your flood zone drives whether flood insurance is required for your mortgage and how a home must be built or rebuilt. Repairs or improvements costing 50% or more of a building's market value require it to meet current flood rules (FEMA). For flood panels, permits and vents in Naples, see Naples flood protection on FloodProtection.now.

Evacuation zones in Naples are set by Collier County. See Collier County evacuation zones.

Frequently asked questions

How do I check my flood zone in Naples, FL?
Inside the City of Naples, use the city's flood map tool at naplesfl.withforerunner.com and confirm with the Floodplain Coordinator at (239) 213-5008. Outside city limits, use Collier County's 2024 flood map or the FEMA Map Service Center.
Which flood maps are in effect in Naples?
The City of Naples says its 2024 Flood Insurance Rate Maps are in effect for construction and insurance, replacing maps in effect since May 16, 2012.
Is a Naples, FL mailing address always in the City of Naples?
No. Many addresses with a Naples mailing address are in unincorporated Collier County, which has its own floodplain office and lookup tools.
How much storm surge did Naples get in Hurricane Ian?
The National Hurricane Center estimated 6 to 9 feet of storm surge inundation above ground in Naples.
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.