Does Olga flood?
Olga, Fort Myers, FL · ZIP codes 33920 and 33905: 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 Olga have filed flood claims. About 79% of Olga’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). NFIP flood insurance records list 25 claims from the Census block groups that cover Olga, from 2001 through 2022. 14 of them received a payment, totaling $677,727 (not adjusted for inflation). The busiest years were 2022 (11 claims), 2017 (9 claims), 2001 (2 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 Olga
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 Olga
The named streets in Olga, longest first, with how much of each street’s length inside Olga lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Olga; 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. 23 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Palm Beach Blvd | 6.1 mi | 49% | X (shaded, 0.2% annual chance) (51%) |
| Old Olga Rd | 2.6 mi | 97% | AE (97%) |
| River Hall Pkwy | 1.8 mi | 37% | X (shaded, 0.2% annual chance) (63%) |
| Linwood Ave | 1.2 mi | 81% | AE (81%) |
| Brown Rd | 1.2 mi | 99% | AE (99%) |
| Hickey Creek Rd | 1.1 mi | 62% | AE (62%) |
| Oak Creek Rd | 1.1 mi | 34% | X (shaded, 0.2% annual chance) (57%) |
| Frank Rd | 4,630 ft | 100% | AE (100%) |
| S Olga Dr | 4,510 ft | 100% | AE (100%) |
| Spring Line Ln | 4,150 ft | 66% | AE (66%) |
| Ligustrum Ln | 3,740 ft | 46% | X (shaded, 0.2% annual chance) (54%) |
| Buckingham Rd | 3,260 ft | 0.0% | X (shaded, 0.2% annual chance) (53%) |
| Werner Dr | 3,230 ft | 100% | AE (100%) |
| Nature Pointe Lp | 2,890 ft | 96% | AE (96%) |
| Drawdy Rd | 2,810 ft | 1.7% | X (shaded, 0.2% annual chance) (98%) |
| Carter Ln | 2,670 ft | 100% | AE (100%) |
| Idalia Dr | 2,640 ft | 60% | AE (60%) |
| Summersweet Dr | 2,580 ft | 100% | AE (100%) |
| Sunny Crest Ln | 2,440 ft | 99% | AE (99%) |
| Pine Ave | 2,170 ft | 98% | AE (98%) |
| Hawks Preserve Dr | 2,140 ft | 100% | AE (100%) |
| Purslane Dr | 1,930 ft | 100% | AE (100%) |
| Hawks Shadow Dr | 1,820 ft | 92% | AE (92%) |
| Coral Vine Ln | 1,800 ft | 75% | AE (75%) |
| Park Way | 1,680 ft | 34% | X (shaded, 0.2% annual chance) (66%) |
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 Olga
Share of Olga’s mapped area (about 11.445 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 11 feet. Effective date of the FIRM panel(s) covering it (12071C0302G, 12071C0303G, 12071C0304G, 12071C0306G, 12071C0308G, 12071C0309G): November 17, 2022.
| FEMA zone | Share of area |
|---|---|
| AE | 79% |
| X (shaded, 0.2% annual chance) | 18% |
| X (unshaded, minimal) | 3.1% |
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 Olga. About 100% of the combined area of those block groups lies inside Olga. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 2000s | 5 | $21,818 |
| 2010s | 9 | $216,886 |
| 2020s | 11 | $439,022 |
By year of loss
Named flood events with the most claims
- Hurricane Ian: 10 claims
- Hurricane Irma: 9 claims
- Torrential rain: 2 claims
- Hurricane Charley: 2 claims
- Hurricane Wilma: 1 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 23
- X/B/C (moderate or minimal): 2
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Hurricane evacuation zone
About 61% of Olga 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 Olga |
|---|---|---|
| Zone A | see the county’s zone description | 61% |
| Zone B | see the county’s zone description | 34% |
| Zone C | see the county’s zone description | 4.5% |
| Zone D | see the county’s zone description | 0.5% |
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 Olga
- 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 Olga
Flood maps are only one part of choosing a neighborhood. To compare Olga with other Fort Myers neighborhoods on more than flooding, see Fort Myers on StrollPlace.
Buyer and renter FAQ
Does Olga flood?
Yes. Insured properties in and around Olga have filed flood claims. About 79% of Olga’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). NFIP flood insurance records list 25 claims from the Census block groups that cover Olga, from 2001 through 2022. 14 of them received a payment, totaling $677,727 (not adjusted for inflation). The busiest years were 2022 (11 claims), 2017 (9 claims), 2001 (2 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Olga in a flood zone?
About 79% of Olga’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). Shares by zone: AE 79%; X (shaded, 0.2% annual chance) 18%; X (unshaded, minimal) 3.1%. The FIRM panel(s) covering it took effect November 17, 2022.
Which streets in Olga are in a high-risk flood zone?
Most of the length of Old Olga Rd, Linwood Ave, Brown Rd, Hickey Creek Rd, Frank Rd, S Olga Dr, Spring Line Ln, Werner Dr, Nature Pointe Lp, Carter Ln, Idalia Dr and Summersweet Dr lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of Buckingham Rd and Drawdy Rd does. Zones can change along a street, so check the exact address.
What ZIP code is Olga in?
Olga is in Fort Myers, FL. ZIP codes 33920 and 33905: the ZIP codes on most of the 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 Olga in a hurricane evacuation zone?
About 61% of Olga is in Zone A of Lee County’s storm surge evacuation zones. Check the exact address with the county and follow official orders.
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 Fort Myers Shores 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: 120710302031 (100.0% of the block group is inside Olga), 120710302042 (100.0% of the block group is inside Olga). 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.
- 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.