Does Villas flood?
Villas, Fort Myers, FL · ZIP codes 33907 and 33912: 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 Villas have filed flood claims. About 34% of Villas’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 120 claims from the Census block groups that cover Villas, from 1982 through 2022. 50 of them received a payment, totaling $2,271,234 (not adjusted for inflation). The busiest years were 2017 (53 claims), 2022 (34 claims), 2004 (8 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 Villas
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 Villas
The named streets in Villas, longest first, with how much of each street’s length inside Villas lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Villas; 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. 115 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Cleveland Ave | 3.0 mi | 0.0% | X (shaded, 0.2% annual chance) (51%) |
| S Tamiami Trl | 2.5 mi | 16% | X (shaded, 0.2% annual chance) (84%) |
| Daniels Pkwy | 2.1 mi | 3.2% | X (unshaded, minimal) (61%) |
| Cypress Lake Dr | 1.9 mi | 91% | AE (91%) |
| College Pkwy | 1.7 mi | 60% | AE (60%) |
| Big Pine Way | 1.7 mi | 0.0% | X (shaded, 0.2% annual chance) (94%) |
| Brynwood Ln | 1.6 mi | 9.6% | X (shaded, 0.2% annual chance) (88%) |
| Summerlin Rd | 1.5 mi | 50% | AE (50%) |
| Crystal Dr | 1.5 mi | 1.6% | X (shaded, 0.2% annual chance) (66%) |
| Woodland Blvd | 1.3 mi | 0.0% | X (shaded, 0.2% annual chance) (96%) |
| Pine Villa Ln | 1.1 mi | 0.0% | X (shaded, 0.2% annual chance) (98%) |
| Trailwinds Dr | 1.1 mi | 0.0% | X (unshaded, minimal) (56%) |
| Ben C Pratt Six Mile Cypress Pkwwy | 1.1 mi | 18% | X (shaded, 0.2% annual chance) (66%) |
| Corbel Cir | 5,200 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Sunrise Blvd | 5,120 ft | 0.0% | X (shaded, 0.2% annual chance) (69%) |
| Andrea Ln | 4,720 ft | 59% | AE (59%) |
| Forest Wood Rd | 4,640 ft | 94% | AE (94%) |
| Fordham St | 4,520 ft | 0.0% | X (unshaded, minimal) (87%) |
| Gorham Ave | 4,340 ft | 0.0% | X (shaded, 0.2% annual chance) (81%) |
| Halifax Ave | 4,260 ft | 25% | X (shaded, 0.2% annual chance) (75%) |
| Bell Tower Dr | 4,220 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Aldridge Ave | 4,100 ft | 0.0% | X (shaded, 0.2% annual chance) (66%) |
| University Dr | 4,050 ft | 70% | AE (70%) |
| Brantley Rd | 4,050 ft | 3.0% | X (shaded, 0.2% annual chance) (96%) |
| Dover Ave | 4,020 ft | 0.0% | X (shaded, 0.2% annual chance) (80%) |
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 Villas
Share of Villas’s mapped area (about 12.56 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 14 feet. Effective date of the FIRM panel(s) covering it (12071C0409G, 12071C0417G, 12071C0419G, 12071C0428H, 12071C0436H, 12071C0438H): November 17, 2022.
| FEMA zone | Share of area |
|---|---|
| X (shaded, 0.2% annual chance) | 53% |
| AE | 32% |
| X (unshaded, minimal) | 14% |
| AH | 1.1% |
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 Villas. About 77% of the combined area of those block groups lies inside Villas, so the claim figures also reflect some nearby blocks. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1980s | 5 | $2,623 |
| 1990s | 9 | $2,120 |
| 2000s | 18 | $118 |
| 2010s | 53 | $2,179,699 |
| 2020s | 35 | $86,673 |
By year of loss
Named flood events with the most claims
- Hurricane Ian: 33 claims
- Hurricane Irma: 27 claims
- Hurricane Charley: 8 claims
- Flooding: 4 claims
- Hurricane Wilma: 2 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 82
- X/B/C (moderate or minimal): 36
- Not reported: 2
How much is flood insurance in Villas?
The typical National Flood Insurance Program policy on single-family homes in Villas costs $1,227 a year: the median of 185 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,081 and $1,264. 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
About 78% of Villas is in Zone B of Lee County’s storm surge evacuation zones (Lee County Emergency Management, Evacuation Zones).
| Zone | What the county says it means | Share of Villas |
|---|---|---|
| Zone A | see the county’s zone description | 22% |
| Zone B | see the county’s zone description | 78% |
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 Villas
- 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 Villas
Flood maps are only one part of choosing a neighborhood. To compare Villas with other Fort Myers neighborhoods on more than flooding, see Fort Myers on StrollPlace.
Buyer and renter FAQ
Does Villas flood?
Yes. Insured properties in and around Villas have filed flood claims. About 34% of Villas’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 120 claims from the Census block groups that cover Villas, from 1982 through 2022. 50 of them received a payment, totaling $2,271,234 (not adjusted for inflation). The busiest years were 2017 (53 claims), 2022 (34 claims), 2004 (8 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Villas in a flood zone?
About 34% of Villas’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 (shaded, 0.2% annual chance) 53%; AE 32%; X (unshaded, minimal) 14%; AH 1.1%. The FIRM panel(s) covering it took effect November 17, 2022.
Which streets in Villas are in a high-risk flood zone?
Most of the length of Cypress Lake Dr, College Pkwy, Summerlin Rd, Andrea Ln, Forest Wood Rd and University Dr lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of Cleveland Ave, Daniels Pkwy, Big Pine Way, Brynwood Ln, Crystal Dr, Woodland Blvd, Pine Villa Ln and Trailwinds Dr does. Zones can change along a street, so check the exact address.
What ZIP code is Villas in?
Villas is in Fort Myers, FL. ZIP codes 33907 and 33912: 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 Villas in a hurricane evacuation zone?
About 78% of Villas is in Zone B 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 Villas?
The typical NFIP flood insurance policy on single-family homes in Villas cost $1,227 a year: the median of 185 policies that started between August 1, 2025 and July 31, 2026. Half cost between $1,081 and $1,264. 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 Cypress Lake flood?
- Page Park
- Pine Manor
- Does Whiskey Creek flood?
- Does McGregor flood?
- Does San Carlos Park 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: 120710016012 (100.0% of the block group is inside Villas), 120710016011 (100.0% of the block group is inside Villas), 120710016013 (100.0% of the block group is inside Villas), 120710017033 (29.1% of the block group is inside Villas), 120710015024 (100.0% of the block group is inside Villas), 120710017032 (100.0% of the block group is inside Villas), 120710015025 (100.0% of the block group is inside Villas), 120710017031 (100.0% of the block group is inside Villas), 120710013002 (63.1% of the block group is inside Villas), 120710017034 (100.0% of the block group is inside Villas), 120710016021 (100.0% of the block group is inside Villas), 120710016014 (100.0% of the block group is inside Villas). 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.