Does Fort Myers Shores flood?
Fort Myers Shores, Fort Myers, FL · ZIP code 33905: the ZIP code on 610 of the 612 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Fort Myers Shores have filed flood claims. About 89% of Fort Myers Shores’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 612 claims from the Census block groups that cover Fort Myers Shores, from 1982 through 2025. 546 of them received a payment, totaling $59,280,851 (not adjusted for inflation). The busiest years were 2022 (353 claims), 2024 (198 claims), 2017 (22 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 Fort Myers Shores
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 Fort Myers Shores
The named streets in Fort Myers Shores, longest first, with how much of each street’s length inside Fort Myers Shores lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Fort Myers Shores; 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. 52 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Palm Beach Blvd | 2.8 mi | 15% | X (shaded, 0.2% annual chance) (80%) |
| Caribbean Blvd | 1.7 mi | 100% | AE (100%) |
| 1st St | 1.5 mi | 42% | X (shaded, 0.2% annual chance) (58%) |
| 2nd St | 1.5 mi | 45% | X (shaded, 0.2% annual chance) (55%) |
| 5th St | 1.4 mi | 97% | AE (97%) |
| 3rd St | 1.4 mi | 48% | X (shaded, 0.2% annual chance) (52%) |
| 4th St | 1.3 mi | 67% | AE (67%) |
| Marquette Blvd | 1.1 mi | 100% | AE (100%) |
| Old Olga Rd | 1.1 mi | 93% | AE (93%) |
| State Hwy 31 | 1.1 mi | 80% | AE (74%) |
| Davis Blvd | 1.0 mi | 99% | AE (99%) |
| River Forest Dr | 5,060 ft | 100% | AE (100%) |
| Barcelona Ave | 3,820 ft | 100% | AE (100%) |
| Parkview Dr | 3,430 ft | 99% | AE (99%) |
| Island Rd | 3,380 ft | 100% | AE (100%) |
| River Ridge Blvd | 3,320 ft | 56% | AE (56%) |
| River Rd | 3,100 ft | 100% | AE (100%) |
| Parker Ave | 3,060 ft | 98% | AE (98%) |
| Bigelow Rd | 2,950 ft | 100% | AE (100%) |
| Matanzas Dr | 2,930 ft | 23% | X (shaded, 0.2% annual chance) (77%) |
| Randolph Dr | 2,230 ft | 100% | AE (100%) |
| Weber Blvd | 2,150 ft | 81% | AE (81%) |
| Tropic Ave | 2,120 ft | 24% | X (shaded, 0.2% annual chance) (76%) |
| S Olga Dr | 2,000 ft | 100% | AE (100%) |
| Montego Dr | 1,960 ft | 100% | AE (100%) |
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 25, 2026. Each street is clipped to the neighborhood boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Fort Myers Shores
Share of Fort Myers Shores’s mapped area (about 6.586 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 9 to 12 feet. Effective date of the FIRM panel(s) covering it (12071C0284G, 12071C0301G, 12071C0302G, 12071C0303G, 12071C0304G): November 17, 2022.
| FEMA zone | Share of area |
|---|---|
| AE | 86% |
| X (shaded, 0.2% annual chance) | 11% |
| VE | 2.8% |
| X (unshaded, minimal) | 0.0% |
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 Fort Myers Shores. About 100% of the combined area of those block groups lies inside Fort Myers Shores. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1980s | 13 | $54,965 |
| 1990s | 3 | $8,327 |
| 2000s | 20 | $92,680 |
| 2010s | 23 | $116,897 |
| 2020s | 553 | $59,007,981 |
By year of loss
Named flood events with the most claims
- Hurricane Ian: 353 claims
- Hurricane Milton: 132 claims
- Hurricane Helene: 63 claims
- Hurricane Irma: 19 claims
- Hurricane Charley: 10 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 604
- Not reported: 5
- X/B/C (moderate or minimal): 3
How much is flood insurance in Fort Myers Shores?
The typical National Flood Insurance Program policy on single-family homes in Fort Myers Shores costs $2,713 a year: the median of 781 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,750 and $3,909. 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.
Insurance agency or real estate agent? Sponsor this page.
Hurricane evacuation zone
All of Fort Myers Shores is in Zone A of Lee County’s storm surge evacuation zones (Lee County Emergency Management, Evacuation Zones).
| Zone | What the county says it means | Share of Fort Myers Shores |
|---|---|---|
| Zone A | see the county’s zone description | 100% |
Zones can split a street. Confirm the exact address with the county (Lee County: Find My Evacuation Zone) and follow official evacuation orders. Lee County GIS provides this data as a public information resource, updated only periodically, and makes no warranty of any kind.
Before you rent or buy in Fort Myers Shores
- 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 Fort Myers Shores
Flood maps are only one part of choosing a neighborhood. To compare Fort Myers Shores with other Fort Myers neighborhoods on more than flooding, see Fort Myers on StrollPlace.
Buyer and renter FAQ
Does Fort Myers Shores flood?
Yes. Insured properties in and around Fort Myers Shores have filed flood claims. About 89% of Fort Myers Shores’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 612 claims from the Census block groups that cover Fort Myers Shores, from 1982 through 2025. 546 of them received a payment, totaling $59,280,851 (not adjusted for inflation). The busiest years were 2022 (353 claims), 2024 (198 claims), 2017 (22 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Fort Myers Shores in a flood zone?
About 89% of Fort Myers Shores’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). Shares by zone: AE 86%; X (shaded, 0.2% annual chance) 11%; VE 2.8%; X (unshaded, minimal) 0.0%. The FIRM panel(s) covering it took effect November 17, 2022.
Which streets in Fort Myers Shores are in a high-risk flood zone?
Most of the length of Caribbean Blvd, 5th St, 4th St, Marquette Blvd, Old Olga Rd, State Hwy 31, Davis Blvd, River Forest Dr, Barcelona Ave, Parkview Dr, Island Rd and River Ridge Blvd lies in FEMA high-risk zones (the Special Flood Hazard Area). Zones can change along a street, so check the exact address.
What ZIP code is Fort Myers Shores in?
Fort Myers Shores is in Fort Myers, FL. ZIP code 33905: the ZIP code on 610 of the 612 flood insurance claims counted here. ZIP codes do not follow neighborhood lines. Check the specific address for its own flood zone.
Do renters need flood insurance?
Standard renters policies usually do not cover flood. Renters in a community that participates in the NFIP can buy contents-only flood coverage, up to $100,000 for belongings.
How long does a new flood policy take to start?
A new NFIP policy generally takes effect 30 days after purchase. Exceptions include no wait when the policy is bought while making, increasing, extending or renewing a mortgage, and a one-day wait in a newly designated high-risk zone within 12 months of the map change.
How much coverage can NFIP provide?
For a one-to-four family home, NFIP building coverage goes up to $250,000 and contents coverage up to $100,000. You can buy flood insurance even if you are not in a high-risk zone, as long as your community participates in the NFIP.
Is Fort Myers Shores in a hurricane evacuation zone?
All of Fort Myers Shores is in Zone A of Lee County’s storm surge evacuation zones. Check the exact address with the county and follow official orders.
How much is flood insurance in Fort Myers Shores?
The typical NFIP flood insurance policy on single-family homes in Fort Myers Shores cost $2,713 a year: the median of 781 policies that started between August 1, 2025 and July 31, 2026. Half cost between $1,750 and $3,909. One building’s quote can be far from this; its elevation, foundation, age, coverage and deductible all change the price.
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 Olga flood?
- Does Buckingham flood?
- Does Tice flood?
- Gateway
- Does Suncoast Estates flood?
- Palmona Park
How these numbers were made
Neighborhood boundary: U.S. Census Bureau, Census Designated Places (TIGERweb): the unincorporated communities around the City of Fort Myers. 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: 120710302024 (100.0% of the block group is inside Fort Myers Shores), 120710302041 (100.0% of the block group is inside Fort Myers Shores), 120710302022 (100.0% of the block group is inside Fort Myers Shores), 120710302023 (100.0% of the block group is inside Fort Myers Shores), 120710302025 (100.0% of the block group is inside Fort Myers Shores). 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
- Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on October 25, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 25, 2026.
- U.S. Census Bureau, Census Designated Places (TIGERweb): the unincorporated communities around the City of Fort Myers.
- U.S. Census Bureau TIGERweb, 2010 Census Block Groups.
- FEMA Glossary: Flood Zones.
- 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.
- OpenFEMA Terms and Conditions.
- Lee County Emergency Management, Evacuation Zones (retrieved October 31, 2026).
- Lee County: Find My Evacuation Zone.
- FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3.
- 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.