Does Southeast Cape Coral flood?

Southeast Cape Coral, Cape Coral, FL · ZIP codes 33904 and 33990: the ZIP codes on most of the flood insurance claims counted here. ZIP codes do not follow neighborhood lines.

Yes. Insured properties in and around Southeast Cape Coral have filed flood claims. About 47% of Southeast Cape Coral’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 806 claims from the Census block groups that cover Southeast Cape Coral, from 1979 through 2024. 297 of them received a payment, totaling $19,764,635 (not adjusted for inflation). The busiest years were 2022 (439 claims), 2004 (122 claims), 2017 (76 claims).

Past claims do not predict future flooding, and a neighborhood figure cannot tell you about one building. Look up the exact address on the FEMA Flood Map Service Center and get flood insurance quotes before you sign a lease or a contract.

Check a specific address in Southeast Cape Coral

Neighborhood figures are averages. Our address check looks up the FEMA flood zone and the hurricane evacuation zone at one address, from the same public maps: check if your address is in a flood zone.

Flood zones street by street in Southeast Cape Coral

The named streets in Southeast Cape Coral, longest first, with how much of each street’s length inside Southeast Cape Coral lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Southeast Cape Coral; the main zone is the FEMA zone covering most of that length. A street can cross several zones, so the zone at one address can differ from the street’s main zone: check the address above for that. 194 shorter streets are not listed.

Streets: U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads). Flood zones: FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, retrieved October 27, 2026. Each street is clipped to the neighborhood boundary and measured in an equal-area projection. Street lengths are rounded.

Flood zones in Southeast Cape Coral

Share of Southeast Cape Coral’s mapped area (about 50.492 km²) in each FEMA flood zone, from FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Mapped base flood elevations inside the neighborhood range from 8 to 11 feet. Effective date of the FIRM panel(s) covering it (12071C0263G, 12071C0264G, 12071C0268G, 12071C0269G, 12071C0401G, 12071C0402G, 12071C0403G, 12071C0404G, 12071C0406G, 12071C0407G, 12071C0408G, 12071C0416G): November 17, 2022.

What the zones mean

Zone AE (and A, AH, AO)

High-risk: part of the Special Flood Hazard Area (SFHA), the area FEMA maps as having a 1-percent chance of flooding in any given year (the “100-year” or base flood). AE areas have a mapped base flood elevation.

Zone VE (and V)

High-risk coastal areas, also in the SFHA, where the base flood is expected to bring additional hazards from storm waves.

Zone X (shaded)

Moderate hazard: between the limits of the 1-percent and the 0.2-percent-annual-chance (“500-year”) flood.

Zone X (unshaded)

Minimal hazard: outside the SFHA and higher than the 0.2-percent-annual-chance flood elevation. Minimal is not zero: flood claims are filed from X zones too.

Source: FEMA Glossary: Flood Zones.

Flood insurance claims over time

Claims filed under the National Flood Insurance Program (NFIP) from the 2010 Census block groups that cover Southeast Cape Coral. About 100% of the combined area of those block groups lies inside Southeast Cape Coral. Only insured properties appear, so these counts understate total flooding.

By decade

By year of loss

Named flood events with the most claims

• Hurricane Ian: 426 claims
• Hurricane Charley: 111 claims
• Hurricane Irma: 62 claims
• Flooding: 14 claims
• Hurricane Wilma: 11 claims

FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:

• A/AE/AH/AO (high risk): 681
• X/B/C (moderate or minimal): 110
• Not reported: 15

How much is flood insurance in Southeast Cape Coral?

The typical National Flood Insurance Program policy on single-family homes in Southeast Cape Coral costs $1,945 a year: the median of 2,950 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,264 and $2,815. That is the full amount paid for the year, the premium plus FEMA’s fees and surcharges, and every one of these policies is priced under Risk Rating 2.0. A quote for one building can be far from this: its elevation, foundation, age, coverage and deductible all change the price. Private flood insurance is not included.

Source: FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3, computed October 25, 2026.

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Before you rent or buy in Southeast Cape Coral

• Look up the exact address on the FEMA Flood Map Service Center; a neighborhood can mix high-risk and minimal-hazard zones.
• Ask the landlord or seller about past flooding and flood insurance claims at the property.
• Get a flood insurance quote early: new NFIP policies usually take 30 days to start (FloodSmart (NFIP): Buy a Flood Insurance Policy).
• Ask which floor the unit is on and where parking, storage and mechanical equipment sit.

Living in Southeast Cape Coral

Flood maps are only one part of choosing a neighborhood. To compare Southeast Cape Coral with other Cape Coral neighborhoods on more than flooding, see Cape Coral on StrollPlace.

Buyer and renter FAQ

FAQ sources: FloodSmart (NFIP): Buy a Flood Insurance Policy; FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025); 44 CFR 61.11, Effective date and time of coverage.

Nearby neighborhoods

• Does Northeast Cape Coral flood?
• Does Southwest Cape Coral flood?
• Does Northwest Cape Coral flood?

How these numbers were made

Neighborhood boundary: FloodFireCheck's Cape Coral quadrants: 2010 Census block groups, each given to the quadrant (NE, NW, SE, SW) most of its streets carry in Lee County GIS road centerlines (scripts/cape_coral_quadrants.py). Flood zone shares: the neighborhood polygon intersected with FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, area computed in an equal-area projection; retrieved October 25, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Lee County (county code 12071), dataset as of September 8, 2026, retrieved October 25, 2026. A 2010 Census block group is counted for a neighborhood when at least 25% of the block group lies inside the neighborhood, or at least 25% of the neighborhood lies inside the block group. Block groups used: 120710103073 (100.0% of the block group is inside Southeast Cape Coral), 120710103043 (100.0% of the block group is inside Southeast Cape Coral), 120710106023 (100.0% of the block group is inside Southeast Cape Coral), 120710106021 (100.0% of the block group is inside Southeast Cape Coral), 120710106022 (100.0% of the block group is inside Southeast Cape Coral), 120710107014 (100.0% of the block group is inside Southeast Cape Coral), 120710107013 (100.0% of the block group is inside Southeast Cape Coral), 120710103063 (100.0% of the block group is inside Southeast Cape Coral), 120710103031 (100.0% of the block group is inside Southeast Cape Coral), 120710103072 (100.0% of the block group is inside Southeast Cape Coral), 120710103032 (100.0% of the block group is inside Southeast Cape Coral), 120710105025 (100.0% of the block group is inside Southeast Cape Coral), 120710105023 (100.0% of the block group is inside Southeast Cape Coral), 120710105027 (100.0% of the block group is inside Southeast Cape Coral), 120710105026 (100.0% of the block group is inside Southeast Cape Coral), 120710105022 (100.0% of the block group is inside Southeast Cape Coral), 120710106014 (100.0% of the block group is inside Southeast Cape Coral), 120710106012 (100.0% of the block group is inside Southeast Cape Coral), 120710106013 (100.0% of the block group is inside Southeast Cape Coral), 120710106011 (100.0% of the block group is inside Southeast Cape Coral), 120710105014 (100.0% of the block group is inside Southeast Cape Coral), 120710105012 (100.0% of the block group is inside Southeast Cape Coral), 120710105013 (100.0% of the block group is inside Southeast Cape Coral), 120710105024 (100.0% of the block group is inside Southeast Cape Coral), 120710105011 (100.0% of the block group is inside Southeast Cape Coral), 120710103033 (100.0% of the block group is inside Southeast Cape Coral), 120710103034 (100.0% of the block group is inside Southeast Cape Coral), 120710103042 (100.0% of the block group is inside Southeast Cape Coral), 120710103041 (100.0% of the block group is inside Southeast Cape Coral), 120710103044 (100.0% of the block group is inside Southeast Cape Coral), 120710104053 (100.0% of the block group is inside Southeast Cape Coral), 120710107023 (100.0% of the block group is inside Southeast Cape Coral), 120710107011 (100.0% of the block group is inside Southeast Cape Coral), 120710105021 (100.0% of the block group is inside Southeast Cape Coral), 120710104051 (100.0% of the block group is inside Southeast Cape Coral), 120710104052 (100.0% of the block group is inside Southeast Cape Coral), 120710103061 (100.0% of the block group is inside Southeast Cape Coral), 120710104121 (100.0% of the block group is inside Southeast Cape Coral). Neighboring pages can share a block group, so their counts can overlap. Paid totals add building, contents and Increased Cost of Compliance payments and are not adjusted for inflation; a claim whose FEMA record shows a negative payment (an adjustment) counts as zero. Evacuation zones: the polygon intersected with Lee County’s zone polygons in an equal-area projection; shares below 0.1% are left out. See the methodology.

Sources

1. Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on October 25, 2026.
2. FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 25, 2026.
3. FloodFireCheck's Cape Coral quadrants: 2010 Census block groups, each given to the quadrant (NE, NW, SE, SW) most of its streets carry in Lee County GIS road centerlines (scripts/cape_coral_quadrants.py).
4. U.S. Census Bureau TIGERweb, 2010 Census Block Groups.
5. FEMA Glossary: Flood Zones.
6. FloodSmart (NFIP): Buy a Flood Insurance Policy.
7. FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025).
8. 44 CFR 61.11, Effective date and time of coverage.
9. OpenFEMA Terms and Conditions.
10. Lee County Emergency Management, Evacuation Zones (retrieved October 31, 2026).
11. Lee County: Find My Evacuation Zone.
12. FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3.
13. U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads).

Data as of September 8, 2026 (FEMA claims) and October 25, 2026 (flood zones); hazard data computed October 31, 2026. Page last updated October 31, 2026.