Does The Moorings flood?
The Moorings, Naples, FL · ZIP codes 34102 and 34103: 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 The Moorings have filed flood claims. About 59% of The Moorings’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 951 claims from the Census block groups that cover The Moorings, from 1978 through 2024. 746 of them received a payment, totaling $126,954,718 (not adjusted for inflation). The busiest years were 2022 (629 claims), 2024 (128 claims), 2017 (78 claims).
What this page counts as The Moorings
We could not find an openly licensed official boundary for The Moorings, so this page uses a census-based area. For this page, The Moorings 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 The Moorings (feature 308479), 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 The Moorings. 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 The Moorings
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 The Moorings
The named streets in The Moorings, longest first, with how much of each street’s length inside The Moorings lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside The Moorings; 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. 46 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Gulf Shore Blvd N | 2.2 mi | 100% | AE (100%) |
| Crayton Rd | 1.6 mi | 98% | AE (98%) |
| 10th St N | 1.4 mi | 71% | AE (71%) |
| 7th Ave N | 1.1 mi | 79% | AE (79%) |
| Goodlette-Frank Rd | 1.0 mi | 100% | AE (100%) |
| 8th Ave N | 4,930 ft | 83% | AE (82%) |
| Wedge Dr | 4,620 ft | 57% | AE (57%) |
| 1st Ave N | 4,180 ft | 79% | AE (79%) |
| 4th Ave N | 4,170 ft | 83% | AE (83%) |
| 2nd Ave N | 4,170 ft | 97% | AE (97%) |
| S Golf Dr | 4,140 ft | 65% | AE (64%) |
| Harbour Dr | 4,060 ft | 51% | AE (51%) |
| Mooring Line Dr | 3,840 ft | 54% | AE (54%) |
| Banyan Blvd | 3,790 ft | 42% | X (shaded, 0.2% annual chance) (58%) |
| 5th Ave N | 3,760 ft | 74% | AE (74%) |
| 3rd St N | 3,620 ft | 66% | AE (66%) |
| 6th Ave N | 3,380 ft | 46% | X (shaded, 0.2% annual chance) (54%) |
| 8th St N | 3,350 ft | 55% | AE (55%) |
| Yucca Rd | 3,310 ft | 46% | X (shaded, 0.2% annual chance) (54%) |
| 11th St N | 3,270 ft | 56% | AE (56%) |
| Springline Dr | 3,190 ft | 81% | AE (81%) |
| Mandarin Rd | 3,090 ft | 0.0% | X (shaded, 0.2% annual chance) (98%) |
| Bow Line Dr | 2,940 ft | 90% | AE (90%) |
| 7th St N | 2,910 ft | 34% | X (shaded, 0.2% annual chance) (66%) |
| Rudder Rd | 2,820 ft | 51% | AE (51%) |
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 The Moorings
Share of The Moorings’s mapped area (about 6.426 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 7 to 14 feet. Effective date of the FIRM panel(s) covering it (12021C0387J, 12021C0390H, 12021C0391J, 12021C0393J): May 16, 2012, February 8, 2024.
| FEMA zone | Share of area |
|---|---|
| AE | 49% |
| X (shaded, 0.2% annual chance) | 38% |
| VE | 10% |
| X (unshaded, minimal) | 3.0% |
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 The Moorings. 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 | 7 | $30,707 |
| 1980s | 31 | $31,343 |
| 1990s | 24 | $63,706 |
| 2000s | 45 | $306,565 |
| 2010s | 85 | $1,028,891 |
| 2020s | 759 | $125,493,505 |
By year of loss
Named flood events with the most claims
- Hurricane Ian: 624 claims
- Hurricane Milton: 101 claims
- Hurricane Irma: 73 claims
- Hurricane Helene: 26 claims
- Hurricane Wilma: 21 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 860
- V/VE (coastal high hazard): 60
- X/B/C (moderate or minimal): 31
How much is flood insurance in The Moorings?
The typical National Flood Insurance Program policy on single-family homes in The Moorings costs $2,066 a year: the median of 868 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,341 and $4,033. 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
All of The Moorings 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 The Moorings |
|---|---|---|
| Zone A | see the county’s zone description | 100% |
| Not in any zone | outside the county’s storm surge evacuation zones | 0.1% |
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 The Moorings
- 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 The Moorings
Flood maps are only one part of choosing a neighborhood. To compare The Moorings with other Naples neighborhoods on more than flooding, see Naples on StrollPlace.
Buyer and renter FAQ
Does The Moorings flood?
Yes. Insured properties in and around The Moorings have filed flood claims. About 59% of The Moorings’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 951 claims from the Census block groups that cover The Moorings, from 1978 through 2024. 746 of them received a payment, totaling $126,954,718 (not adjusted for inflation). The busiest years were 2022 (629 claims), 2024 (128 claims), 2017 (78 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is The Moorings in a flood zone?
About 59% of The Moorings’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). Shares by zone: AE 49%; X (shaded, 0.2% annual chance) 38%; VE 10%; X (unshaded, minimal) 3.0%. The FIRM panel(s) covering it took effect May 16, 2012, February 8, 2024.
Which streets in The Moorings are in a high-risk flood zone?
Most of the length of Gulf Shore Blvd N, Crayton Rd, 10th St N, 7th Ave N, Goodlette-Frank Rd, 8th Ave N, Wedge Dr, 1st Ave N, 4th Ave N, 2nd Ave N, S Golf Dr and Harbour Dr lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of Mandarin Rd does. Zones can change along a street, so check the exact address.
What ZIP code is The Moorings in?
The Moorings is in Naples, FL. ZIP codes 34102 and 34103: 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 The Moorings in a hurricane evacuation zone?
All of The Moorings 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 The Moorings?
The typical NFIP flood insurance policy on single-family homes in The Moorings cost $2,066 a year: the median of 868 policies that started between August 1, 2025 and July 31, 2026. Half cost between $1,341 and $4,033. 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: 120210002002, 120210003021, 120210003022, 120210001021, 120210004022, 120210004023. 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.