Does Royal Harbor flood?
Royal Harbor, Naples, FL · ZIP code 34112: the ZIP code on 223 of the 224 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Royal Harbor have filed flood claims. About 99% of Royal Harbor’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 224 claims from the Census block groups that cover Royal Harbor, from 1988 through 2026. 183 of them received a payment, totaling $10,605,646 (not adjusted for inflation). The busiest years were 2022 (165 claims), 2024 (24 claims), 2017 (14 claims).
What this page counts as Royal Harbor
We could not find an openly licensed official boundary for Royal Harbor, so this page uses a census-based area. For this page, Royal Harbor 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 Royal Harbor (feature 298994), 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 Royal Harbor. 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 Royal Harbor
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 Royal Harbor
The named streets in Royal Harbor, longest first, with how much of each street’s length inside Royal Harbor lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Royal Harbor; 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. 8 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Yacht Harbor Dr | 4,740 ft | 100% | AE (100%) |
| Haldeman Creek Dr | 4,720 ft | 100% | AE (100%) |
| Bayshore Dr | 4,380 ft | 100% | AE (100%) |
| Windstar Blvd | 4,140 ft | 96% | AE (96%) |
| Fern St | 2,590 ft | 100% | AE (100%) |
| Lakeview Dr | 2,560 ft | 100% | AE (100%) |
| Gulfstar Dr S | 2,480 ft | 100% | AE (100%) |
| Lighthouse Ln | 2,370 ft | 100% | AE (100%) |
| Breakwater Way | 2,300 ft | 100% | AE (100%) |
| Danford St | 2,180 ft | 100% | AE (100%) |
| Padget Cir | 1,980 ft | 100% | AE (100%) |
| Paget Cir | 1,980 ft | 100% | AE (100%) |
| Windjammer Cir | 1,750 ft | 100% | AE (100%) |
| York Island Dr | 1,360 ft | 100% | AE (100%) |
| Storter Ave | 1,340 ft | 100% | AE (100%) |
| Barrett Ave | 1,340 ft | 100% | AE (100%) |
| Van Buren Ave | 1,320 ft | 100% | AE (100%) |
| Thomasson Dr | 1,320 ft | 100% | AE (100%) |
| Linda Dr | 1,320 ft | 100% | AE (100%) |
| North Rd | 1,290 ft | 100% | AE (100%) |
| South Rd | 1,260 ft | 100% | AE (100%) |
| Middle Rd | 1,220 ft | 100% | AE (100%) |
| Pine St | 1,120 ft | 100% | AE (100%) |
| Clipper Cove Dr | 1,060 ft | 100% | AE (100%) |
| Yacht Harbor Cir | 950 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 Royal Harbor
Share of Royal Harbor’s mapped area (about 2.862 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 11 feet. Effective date of the FIRM panel(s) covering it (12021C0394J, 12021C0581J, 12021C0582J): February 8, 2024.
| FEMA zone | Share of area |
|---|---|
| AE | 96% |
| VE | 2.7% |
| X (shaded, 0.2% annual chance) | 1.2% |
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 Royal Harbor. 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 |
|---|---|---|
| 1980s | 1 | $17,116 |
| 1990s | 6 | $59,448 |
| 2000s | 13 | $58,366 |
| 2010s | 14 | $298,573 |
| 2020s | 190 | $10,172,143 |
By year of loss
Named flood events with the most claims
- Hurricane Ian: 165 claims
- Hurricane Milton: 20 claims
- Hurricane Irma: 12 claims
- Hurricane Wilma: 4 claims
- Hurricane Helene: 4 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 224
How much is flood insurance in Royal Harbor?
The typical National Flood Insurance Program policy on single-family homes in Royal Harbor costs $1,970 a year: the median of 268 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,434 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 Royal Harbor 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 Royal Harbor |
|---|---|---|
| Zone A | see the county’s zone description | 100% |
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 Royal Harbor
- 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 Royal Harbor
Flood maps are only one part of choosing a neighborhood. To compare Royal Harbor with other Naples neighborhoods on more than flooding, see Naples on StrollPlace.
Buyer and renter FAQ
Does Royal Harbor flood?
Yes. Insured properties in and around Royal Harbor have filed flood claims. About 99% of Royal Harbor’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 224 claims from the Census block groups that cover Royal Harbor, from 1988 through 2026. 183 of them received a payment, totaling $10,605,646 (not adjusted for inflation). The busiest years were 2022 (165 claims), 2024 (24 claims), 2017 (14 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Royal Harbor in a flood zone?
About 99% of Royal Harbor’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). Shares by zone: AE 96%; VE 2.7%; X (shaded, 0.2% annual chance) 1.2%. The FIRM panel(s) covering it took effect February 8, 2024.
Which streets in Royal Harbor are in a high-risk flood zone?
Most of the length of Yacht Harbor Dr, Haldeman Creek Dr, Bayshore Dr, Windstar Blvd, Fern St, Lakeview Dr, Gulfstar Dr S, Lighthouse Ln, Breakwater Way, Danford St, Padget Cir and Paget Cir 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 Royal Harbor in?
Royal Harbor is in Naples, FL. ZIP code 34112: the ZIP code on 223 of the 224 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 Royal Harbor in a hurricane evacuation zone?
All of Royal Harbor 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 Royal Harbor?
The typical NFIP flood insurance policy on single-family homes in Royal Harbor cost $1,970 a year: the median of 268 policies that started between August 1, 2025 and July 31, 2026. Half cost between $1,434 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
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: 120210107022. 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.