Does Lochmoor Waterway Estates flood?
Lochmoor Waterway Estates, Fort Myers, FL · ZIP code 33903: the ZIP code on 694 of the 698 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Lochmoor Waterway Estates have filed flood claims. About 82% of Lochmoor Waterway Estates’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 698 claims from the Census block groups that cover Lochmoor Waterway Estates, from 1980 through 2024. 561 of them received a payment, totaling $57,366,278 (not adjusted for inflation). The busiest years were 2022 (468 claims), 2024 (93 claims), 2017 (50 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 Lochmoor Waterway Estates
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 Lochmoor Waterway Estates
The named streets in Lochmoor Waterway Estates, longest first, with how much of each street’s length inside Lochmoor Waterway Estates lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Lochmoor Waterway Estates; 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. 72 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Hancock Bridge Pkwy | 2.9 mi | 73% | AE (73%) |
| Orange Grove Blvd | 2.8 mi | 96% | AE (96%) |
| Palm Island Cir | 1.1 mi | 0.0% | X (shaded, 0.2% annual chance) (97%) |
| Skyline Dr | 1.0 mi | 100% | AE (99%) |
| Moody Rd | 4,590 ft | 95% | AE (92%) |
| Randag Dr | 4,390 ft | 100% | AE (100%) |
| Silver Thorn Loop | 3,280 ft | 100% | AE (100%) |
| Seaside Harbour Dr | 3,230 ft | 99% | AE (99%) |
| Saint Clair Ave W | 2,880 ft | 92% | AE (92%) |
| Birkdale Ave | 2,800 ft | 100% | AE (100%) |
| Moody River Blvd | 2,780 ft | 92% | AE (92%) |
| Frankie Ct | 2,640 ft | 21% | X (shaded, 0.2% annual chance) (79%) |
| Olde Banyon Blvd | 2,640 ft | 100% | AE (100%) |
| St Clair Ave | 2,600 ft | 100% | AE (100%) |
| Treeline Ct | 2,560 ft | 100% | AE (100%) |
| W Lakeview Blvd | 2,520 ft | 100% | AE (100%) |
| Lakeview Blvd | 2,350 ft | 100% | AE (100%) |
| Inverness Cir | 2,330 ft | 100% | AE (100%) |
| Turtle Cove Trl | 2,270 ft | 100% | AE (100%) |
| Inlet Dr | 2,230 ft | 100% | AE (100%) |
| Banyon Hollow Loop | 2,060 ft | 100% | AE (100%) |
| Panasoffkee Dr | 2,060 ft | 100% | AE (100%) |
| Littlestone Ct | 1,940 ft | 100% | AE (100%) |
| Seafan Cir | 1,850 ft | 100% | AE (100%) |
| Golf Club Dr | 1,740 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 Lochmoor Waterway Estates
Share of Lochmoor Waterway Estates’s mapped area (about 8.306 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 12 feet. Effective date of the FIRM panel(s) covering it (12071C0266G, 12071C0267G, 12071C0268G, 12071C0269G, 12071C0406G): November 17, 2022.
| FEMA zone | Share of area |
|---|---|
| AE | 68% |
| VE | 14% |
| Open water | 11% |
| X (shaded, 0.2% annual chance) | 6.8% |
| X (unshaded, minimal) | 0.2% |
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 Lochmoor Waterway Estates. About 66% of the combined area of those block groups lies inside Lochmoor Waterway Estates, so the claim figures also reflect some nearby blocks. Several of these block groups extend over open water, which the Census includes in block-group boundaries; counting land only (Census land and water areas), about 100% lies inside Lochmoor Waterway Estates. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1980s | 38 | $54,812 |
| 1990s | 13 | $54,498 |
| 2000s | 32 | $432,162 |
| 2010s | 51 | $574,052 |
| 2020s | 564 | $56,250,753 |
By year of loss
Named flood events with the most claims
- Hurricane Ian: 463 claims
- Hurricane Helene: 64 claims
- Hurricane Irma: 44 claims
- Hurricane Milton: 22 claims
- Flooding: 14 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 660
- Not reported: 19
- X/B/C (moderate or minimal): 12
- V/VE (coastal high hazard): 7
How much is flood insurance in Lochmoor Waterway Estates?
The typical National Flood Insurance Program policy on single-family homes in Lochmoor Waterway Estates costs $2,928 a year: the median of 982 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,793 and $4,084. 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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Hurricane evacuation zone
All of Lochmoor Waterway Estates 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 Lochmoor Waterway Estates |
|---|---|---|
| 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 Lochmoor Waterway Estates
- 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 Lochmoor Waterway Estates
Flood maps are only one part of choosing a neighborhood. To compare Lochmoor Waterway Estates with other Fort Myers neighborhoods on more than flooding, see Fort Myers on StrollPlace.
Buyer and renter FAQ
Does Lochmoor Waterway Estates flood?
Yes. Insured properties in and around Lochmoor Waterway Estates have filed flood claims. About 82% of Lochmoor Waterway Estates’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 698 claims from the Census block groups that cover Lochmoor Waterway Estates, from 1980 through 2024. 561 of them received a payment, totaling $57,366,278 (not adjusted for inflation). The busiest years were 2022 (468 claims), 2024 (93 claims), 2017 (50 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Lochmoor Waterway Estates in a flood zone?
About 82% of Lochmoor Waterway Estates’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). Shares by zone: AE 68%; VE 14%; Open water 11%; X (shaded, 0.2% annual chance) 6.8%; X (unshaded, minimal) 0.2%. The FIRM panel(s) covering it took effect November 17, 2022.
Which streets in Lochmoor Waterway Estates are in a high-risk flood zone?
Most of the length of Hancock Bridge Pkwy, Orange Grove Blvd, Skyline Dr, Moody Rd, Randag Dr, Silver Thorn Loop, Seaside Harbour Dr, Saint Clair Ave W, Birkdale Ave, Moody River Blvd, Olde Banyon Blvd and St Clair Ave lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of Palm Island Cir does. Zones can change along a street, so check the exact address.
What ZIP code is Lochmoor Waterway Estates in?
Lochmoor Waterway Estates is in Fort Myers, FL. ZIP code 33903: the ZIP code on 694 of the 698 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 Lochmoor Waterway Estates in a hurricane evacuation zone?
All of Lochmoor Waterway Estates 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 Lochmoor Waterway Estates?
The typical NFIP flood insurance policy on single-family homes in Lochmoor Waterway Estates cost $2,928 a year: the median of 982 policies that started between August 1, 2025 and July 31, 2026. Half cost between $1,793 and $4,084. 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
- Palmona Park
- Does McGregor flood?
- Does Whiskey Creek flood?
- Does Suncoast Estates flood?
- Pine Manor
- Does Villas flood?
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: 120710103052 (79.5% of the block group is inside Lochmoor Waterway Estates), 120710207002 (51.7% of the block group is inside Lochmoor Waterway Estates), 120710103051 (93.5% of the block group is inside Lochmoor Waterway Estates). 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.