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Rainy Season/Hurricane Season Preparation

Floods are the most common natural disaster, damaging public health and safety, as well as economic prosperity. Between 1980 and 2013, the Unites States suffered more than $260 billion in flood-related damages, according to FEMA. Storm surge, heavy downpours, extensive development and even sea level rise in coastal areas can increase the risk of flooding.

“100-year Flood” misconception - People sometimes hear the phrase “100-year” flood and think a flood happens only once in one hundred years. That old adage is not true. The Special Flood Hazard Area is an area that has a 1 percent chance, or a 1 in 100 chance, of a flood happening in any given year. That means a flood could happen this year and again the next year. It has nothing to do with calendar years.  The phrase “1 percent annual chance flood” is more accurate.

Proactive preparation helps minimize risk for personal safety and property damage during a hurricane or during rising waters due to heavy downpours and sheet flow. Here are some strategies and tips to help with preparation for storms.

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The South Florida Water Management District also offers drainage-related tips. Remember, some standing water is normal after rain. Local lakes, ponds, swales, golf courses and even streets are often designed to temporarily collect excess water after heavy rainfall to keep it away from your home.

In 1984, unincorporated Lee County joined the National Flood Insurance Program to enable residents with mortgages to obtain flood insurance policies through the NFIP and to ensure FEMA will provide emergency assistance to Lee County residents. Through the NFIP, Lee County adopts FEMA Flood Insurance Rate Maps, which determine the cost of flood insurance and set standards for construction in various flood zones.

To lower the cost of National Flood Insurance Program policies, unincorporated Lee County also participates in the Community Rating System.  Because of the points earned in this program, owners of property in A, AE and V flood zones in unincorporated Lee County qualify for a 25% flood insurance discount. The discount in the X Zone, where flood insurance is optional, is 10%. The value of these discounts is $15 million annually. Permit Applicant Brochure.

For flood mapping information for parcels in unincorporated Lee County, please call 239-533-8948 or email FIRMInfo@leegov.com.

Incorporated areas of Lee County are also members of the National Flood Insurance Program. For flood mapping information in those areas, click on the appropriate link below or contact them at the number listed for additional information.

Find My Municipality

Link to Substantial Damage/Substantial Improvement Information (aka 50% Rule)



Information about flood warning, safety and evacuation



Choose your warning system



 Prepare for hurricanes

Approved Program for Public Information (PPI)

ADDENDUM - Approved Program for Public Information (April 2019)

FEMA Flood Map Initiatives

Insurance Rate Increases

 Click on individual links below for additional information on that topic:


Email Flood Mapping StaffEmail Flood Mapping staff for unincorporated Lee County inquiries