Does Three Oaks flood?
Three Oaks, Fort Myers, FL · ZIP code 33967: the ZIP code on 18 of the 18 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Three Oaks have filed flood claims. About 2.2% of Three Oaks’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 18 claims from the Census block groups that cover Three Oaks, from 1995 through 2022. 10 of them received a payment, totaling $266,683 (not adjusted for inflation). The busiest years were 2017 (13 claims), 2022 (2 claims), 1995 (1 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 Three Oaks
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 Three Oaks
The named streets in Three Oaks, longest first, with how much of each street’s length inside Three Oaks lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Three Oaks; 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. 27 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Three Oaks Pkwy | 6.0 mi | 11% | X (unshaded, minimal) (89%) |
| Cypress View Dr | 1.3 mi | 0.0% | X (unshaded, minimal) (100%) |
| Pine Chase Dr | 1.1 mi | 0.0% | X (unshaded, minimal) (100%) |
| Country Oaks Dr | 4,320 ft | 2.3% | X (unshaded, minimal) (98%) |
| Roundstone Cir | 3,870 ft | 0.0% | X (unshaded, minimal) (100%) |
| Alico Rd | 3,740 ft | 0.0% | X (unshaded, minimal) (100%) |
| Pine Run Ln | 3,610 ft | 0.0% | X (unshaded, minimal) (100%) |
| Bexley Dr | 3,080 ft | 0.0% | X (unshaded, minimal) (100%) |
| Crocus Ct | 2,850 ft | 0.0% | X (unshaded, minimal) (100%) |
| Pittsburgh Blvd | 2,800 ft | 0.0% | X (unshaded, minimal) (100%) |
| Estero Pkwy | 2,650 ft | 0.0% | X (unshaded, minimal) (100%) |
| Devonwood Cir | 2,440 ft | 0.0% | X (unshaded, minimal) (100%) |
| Sterling Lake Dr | 2,360 ft | 0.0% | X (unshaded, minimal) (100%) |
| Hadlow Pl | 2,290 ft | 0.0% | X (unshaded, minimal) (100%) |
| Winged Foot Dr | 2,280 ft | 0.0% | X (unshaded, minimal) (100%) |
| Oakmont Ridge Cir | 2,160 ft | 0.0% | X (unshaded, minimal) (100%) |
| Estero Oaks Dr | 2,130 ft | 0.0% | X (unshaded, minimal) (100%) |
| Bramley Ter | 2,030 ft | 0.0% | X (unshaded, minimal) (100%) |
| Stepping Stone Dr | 2,020 ft | 0.0% | X (unshaded, minimal) (100%) |
| Holden Dr | 1,880 ft | 0.0% | X (unshaded, minimal) (100%) |
| Eastshore Dr | 1,720 ft | 0.0% | X (unshaded, minimal) (100%) |
| Horseshoe Bay Cir | 1,660 ft | 0.0% | X (unshaded, minimal) (100%) |
| Scarlette Oak Ave | 1,590 ft | 0.0% | X (unshaded, minimal) (100%) |
| Cypress Dr N | 1,520 ft | 0.0% | X (unshaded, minimal) (100%) |
| San Carlos Blvd | 1,500 ft | 0.0% | X (unshaded, minimal) (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 Three Oaks
Share of Three Oaks’s mapped area (about 4.611 km²) in each FEMA flood zone, from FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Effective date of the FIRM panel(s) covering it (12071C0581F, 12071C0583G): August 28, 2008, November 17, 2022.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 98% |
| AE | 2.2% |
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 Three Oaks. About 94% of the combined area of those block groups lies inside Three Oaks. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1990s | 2 | $1,801 |
| 2010s | 14 | $264,882 |
| 2020s | 2 | $0 |
By year of loss
Named flood events with the most claims
- Hurricane Irma: 11 claims
- Hurricane Ian: 2 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- X/B/C (moderate or minimal): 12
- A/AE/AH/AO (high risk): 6
How much is flood insurance in Three Oaks?
The typical National Flood Insurance Program policy on single-family homes in Three Oaks costs $1,232 a year: the median of 62 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,084 and $1,265. 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 Three Oaks is in Zone C of Lee County’s storm surge evacuation zones (Lee County Emergency Management, Evacuation Zones).
| Zone | What the county says it means | Share of Three Oaks |
|---|---|---|
| Zone C | 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 Three Oaks
- 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 Three Oaks
Flood maps are only one part of choosing a neighborhood. To compare Three Oaks with other Fort Myers neighborhoods on more than flooding, see Fort Myers on StrollPlace.
Buyer and renter FAQ
Does Three Oaks flood?
Yes. Insured properties in and around Three Oaks have filed flood claims. About 2.2% of Three Oaks’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 18 claims from the Census block groups that cover Three Oaks, from 1995 through 2022. 10 of them received a payment, totaling $266,683 (not adjusted for inflation). The busiest years were 2017 (13 claims), 2022 (2 claims), 1995 (1 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Three Oaks in a flood zone?
About 2.2% of Three Oaks’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. Shares by zone: X (unshaded, minimal) 98%; AE 2.2%. The FIRM panel(s) covering it took effect August 28, 2008, November 17, 2022.
Which streets in Three Oaks are in a high-risk flood zone?
No street listed here has most of its length in FEMA high-risk zones. Less than 10% of Cypress View Dr, Pine Chase Dr, Country Oaks Dr, Roundstone Cir, Alico Rd, Pine Run Ln, Bexley Dr and Crocus Ct does. Zones can change along a street, so check the exact address.
What ZIP code is Three Oaks in?
Three Oaks is in Fort Myers, FL. ZIP code 33967: the ZIP code on 18 of the 18 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 Three Oaks in a hurricane evacuation zone?
All of Three Oaks is in Zone C 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 Three Oaks?
The typical NFIP flood insurance policy on single-family homes in Three Oaks cost $1,232 a year: the median of 62 policies that started between August 1, 2025 and July 31, 2026. Half cost between $1,084 and $1,265. 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 San Carlos Park flood?
- Does Villas flood?
- Gateway
- Does Cypress Lake flood?
- Page Park
- Pine Manor
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: 120710502091 (85.9% of the block group is inside Three Oaks), 120710502041 (100.0% of the block group is inside Three Oaks). 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.