Does Port Royal flood?
Port Royal, Naples, FL · ZIP code 34102: the ZIP code on 496 of the 503 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Port Royal have filed flood claims. About 96% of Port Royal’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 503 claims from the Census block groups that cover Port Royal, from 1979 through 2024. 352 of them received a payment, totaling $31,545,045 (not adjusted for inflation). The busiest years were 2022 (302 claims), 2017 (65 claims), 2024 (31 claims).
What this page counts as Port Royal
We could not find an openly licensed official boundary for Port Royal, so this page uses a census-based area. For this page, Port Royal means the 2010 Census block groups whose center lies within 1.6 km (1.0 miles) of the U.S. Geological Survey (GNIS) map point for Port Royal (feature 298993), each block group going to the nearest of the places we cover. Every number below is for exactly those block groups (listed in “How these numbers were made”), so the edges are approximate and may include or leave out a few blocks people would call Port Royal. Sources: U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
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 Port Royal
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 Port Royal
The named streets in Port Royal, longest first, with how much of each street’s length inside Port Royal lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Port Royal; 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. 11 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Gordon Dr | 2.6 mi | 100% | AE (100%) |
| Galleon Dr | 1.7 mi | 100% | AE (100%) |
| Gulf Shore Blvd S | 1.6 mi | 100% | AE (100%) |
| Rum Row | 5,000 ft | 100% | AE (100%) |
| Fort Charles Dr | 4,780 ft | 90% | AE (90%) |
| Little Harbour Ln | 4,190 ft | 100% | AE (100%) |
| Spyglass Ln | 4,070 ft | 100% | AE (100%) |
| 18th Ave S | 4,030 ft | 100% | AE (100%) |
| Gulf Shore Blvd N | 3,590 ft | 100% | AE (100%) |
| 17th Ave S | 3,370 ft | 100% | AE (100%) |
| 21st Ave S | 3,330 ft | 100% | AE (100%) |
| Lantern Ln | 3,070 ft | 100% | AE (100%) |
| 15th Ave S | 3,020 ft | 100% | AE (100%) |
| Kingstown Dr | 2,700 ft | 100% | AE (100%) |
| Gin Ln | 2,540 ft | 100% | AE (100%) |
| 16th Ave S | 2,500 ft | 100% | AE (100%) |
| Admiralty Parade | 2,340 ft | 100% | AE (100%) |
| Treasure Ln | 2,180 ft | 100% | AE (100%) |
| Nelsons Walk | 1,880 ft | 100% | AE (100%) |
| 4th St S | 1,720 ft | 100% | AE (100%) |
| Cutlass Ln | 1,680 ft | 100% | AE (100%) |
| 3rd St S | 1,580 ft | 100% | AE (100%) |
| Green Dolphin Ln | 1,560 ft | 100% | AE (100%) |
| Half Moon Walk | 1,470 ft | 100% | AE (100%) |
| Sabre Cay | 1,290 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 area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Port Royal
Share of Port Royal’s mapped area (about 8.012 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 (12021C0390H, 12021C0393J, 12021C0581J, 12021C0583J): May 16, 2012, February 8, 2024.
| FEMA zone | Share of area |
|---|---|
| AE | 68% |
| VE | 27% |
| X (shaded, 0.2% annual chance) | 4.1% |
| AO | 0.3% |
| X (unshaded, minimal) | 0.1% |
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 Port Royal. This area is made of whole block groups, so every claim counted here comes from inside it. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1970s | 2 | $360 |
| 1980s | 35 | $63,086 |
| 1990s | 23 | $134,873 |
| 2000s | 36 | $589,488 |
| 2010s | 73 | $2,154,553 |
| 2020s | 334 | $28,602,687 |
By year of loss
Named flood events with the most claims
- Hurricane Ian: 301 claims
- Hurricane Irma: 60 claims
- Hurricane Milton: 29 claims
- Hurricane Wilma: 15 claims
- Torrential rain: 7 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 451
- V/VE (coastal high hazard): 40
- X/B/C (moderate or minimal): 12
How much is flood insurance in Port Royal?
The typical National Flood Insurance Program policy on single-family homes in Port Royal costs $2,171 a year: the median of 525 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,357 and $5,808. 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 Port Royal is in Zone A of Collier County’s storm surge evacuation zones (Collier County, Hurricane Evacuation Zones).
| Zone | What the county says it means | Share of Port Royal |
|---|---|---|
| Zone A | see the county’s zone description | 100% |
| Not in any zone | outside the county’s storm surge evacuation zones | 0.2% |
Zones can split a street. Confirm the exact address with the county (Collier County: Hurricane Evacuation Zones lookup) and follow official evacuation orders. Collier County describes this data as a representation of compiled public information and makes no guarantees as to its accuracy or completeness.
Before you rent or buy in Port Royal
- 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 Port Royal
Flood maps are only one part of choosing a neighborhood. To compare Port Royal with other Naples neighborhoods on more than flooding, see Naples on StrollPlace.
Buyer and renter FAQ
Does Port Royal flood?
Yes. Insured properties in and around Port Royal have filed flood claims. About 96% of Port Royal’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 503 claims from the Census block groups that cover Port Royal, from 1979 through 2024. 352 of them received a payment, totaling $31,545,045 (not adjusted for inflation). The busiest years were 2022 (302 claims), 2017 (65 claims), 2024 (31 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Port Royal in a flood zone?
About 96% of Port Royal’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 27%; X (shaded, 0.2% annual chance) 4.1%; AO 0.3%; X (unshaded, minimal) 0.1%. The FIRM panel(s) covering it took effect May 16, 2012, February 8, 2024.
Which streets in Port Royal are in a high-risk flood zone?
Most of the length of Gordon Dr, Galleon Dr, Gulf Shore Blvd S, Rum Row, Fort Charles Dr, Little Harbour Ln, Spyglass Ln, 18th Ave S, Gulf Shore Blvd N, 17th Ave S, 21st Ave S and Lantern Ln 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 Port Royal in?
Port Royal is in Naples, FL. ZIP code 34102: the ZIP code on 496 of the 503 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 Port Royal in a hurricane evacuation zone?
All of Port Royal is in Zone A of Collier County’s storm surge evacuation zones. Check the exact address with the county and follow official orders.
How much is flood insurance in Port Royal?
The typical NFIP flood insurance policy on single-family homes in Port Royal cost $2,171 a year: the median of 525 policies that started between August 1, 2025 and July 31, 2026. Half cost between $1,357 and $5,808. 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
How these numbers were made
Area: the census-based definition above, using U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names. Flood zone shares: the area 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 Collier County (county code 12021), dataset as of September 8, 2026, retrieved October 25, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 120210005001. 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 Collier 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 TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
- 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.
- Collier County, Hurricane Evacuation Zones (retrieved October 30, 2026).
- Collier County: Hurricane Evacuation Zones lookup.
- 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 30, 2026. Page last updated October 30, 2026.