Disaster and Flood Related Frequently Asked Questions

Do I need flood insurance?

Anywhere it rains, it can flood — and most homeowners’ insurance policies do not cover flood damage.

If your home or business is in a Special Flood Hazard Area (SFHA) (Zones V, VE, A, or AE), and you have a federally backed mortgage, flood insurance is required by law.

Flood insurance is mandatory for all FHA, VA, and federally regulated loans, including second mortgages, home equity loans, construction, and commercial loans.

⏰ Note: There’s a 30-day waiting period before flood insurance takes effect, so don’t wait until a storm is coming.

To learn more or find a provider:

• Visit FloodSmart.gov
• Call the NFIP Help Center at 877-336-2627

👉 For details on Estero’s flood insurance options, visit our Flood Insurance Page.

Do I need flood insurance in Zones X or X (500)?

While it’s not required, it’s strongly recommended. More than 30% of flood claims come from homes outside of high-risk zones. If you live in Zone X, you may qualify for Preferred Risk Policies — lower-cost flood insurance plans.

Check your flood zone on the Village of Estero Flood Maps.

Am I eligible to purchase flood insurance?

Yes. Because the Village of Estero participates in the National Flood Insurance Program (NFIP), all residents and business owners are eligible to buy flood insurance — regardless of whether they live inside or outside a flood zone.

How much flood insurance should I buy?

For federally backed loans in a Special Flood Hazard Area, the law requires coverage equal to the loan balance, the building’s value, or the NFIP maximum coverage — whichever is less.

However, to protect your equity, it’s wise to insure your home for its full replacement value, not just your loan amount.

NFIP maximum coverage:

• • Up to $250,000 for residential structures
  • Up to $100,000 for contents

To explore your options:

• • Call 1-800-427-4661

Visit FloodSmart.gov

What is the Base Flood Elevation (BFE)?

The Base Flood Elevation (BFE) represents the calculated height that floodwaters are expected to reach during a flood with a 1% annual chance of occurring — also known as the “100-year flood.”

In other words, there is a 1 in 100 chance each year that flood levels will meet or exceed this elevation. The BFE is determined by the Federal Emergency Management Agency (FEMA) and is shown on Flood Insurance Rate Maps (FIRMs) for your community.

Why it matters:

• • The BFE is used to establish minimum elevation and construction requirements for new buildings and substantial improvements within flood-prone areas.
  • To comply with local floodplain management regulations, the lowest habitable (or “finished”) floor of your home or structure must be built at or above the BFE.
  • Building above the BFE can significantly reduce flood risk and may also lower flood insurance premiums.

Where can I find an Elevation Certificate for my structure?

If your structure was built before May 9, 2016, check with Lee County for records:
📧 Email: FIRMinfo@leegov.com

Since May 2016, the Village of Estero Building Services Division has collected elevation certificates for all new construction and substantially improved buildings within the effective special flood hazard area.
You can find them through our Forerunner portal or by contacting the Floodplain Coordinator at 239-221-5036.

If there’s no certificate on record, you can hire a licensed surveyor, engineer, or architect to prepare one.

What is the Community Rating System (CRS)?

CRS is a voluntary FEMA program that rewards communities for going above and beyond minimum floodplain management standards.

The more points a community earns for flood prevention, the greater the discount residents receive on flood insurance — from 5% up to 45%.

Estero’s participation not only saves money for property owners but also helps protect lives and reduce property losses.

How can I get FEMA to remove my property from a flood zone?

If your home’s lowest floor and lowest adjacent grade are at or above the Base Flood Elevation (BFE) — as shown in Section C.2 of your Elevation Certificate — you may qualify for removal from the Special Flood Hazard Area.

You can apply to FEMA for:

• • A Letter of Map Amendment (LOMA) — if no fill was used
  • A Letter of Map Revision by Fill (LOMR-F) — if fill dirt was used

📞 Call FEMA at 877-336-2627
🔗 Learn more: FEMA Map Change Requests

How can I find out if a LOMA or LOMR-F already exists for my property?

Search by address on the Village of Estero Flood Map Service to see if a Letter of Map Amendment or Revision has already been issued. If one has been issued, you will find the document in the files tab.

How do I report flooding or drainage issues in my neighborhood?

If you notice standing water, clogged drains, or blocked culverts:
📞 Call 239-221-5035
📧 Email: info@estero-fl.gov

Your report helps the Village keep our stormwater system working properly before and after major storms.

Who do I contact for more information about floodplain management in Estero?

For floodplain regulations, elevation certificates, and building requirements:
📍 Village of Estero Community Development Department

• • Phone: 239-221-5036
  • Email: schumacher@estero-fl.gov
  • Website: estero-fl.gov/floodplain-link-and-resources/estero-fl.gov

What are flood zones and how do they affect me?

Flood zones are geographic areas defined by FEMA that describe your level of flood risk. They determine insurance requirements, building regulations, and evacuation needs.

Common zones in Estero:

• • Zone AE or A: High-risk areas, also called Special Flood Hazard Areas (SFHAs). Flood insurance is mandatory with federally backed mortgages.
  • Zone X (shaded): Moderate risk; flood insurance is optional but recommended.
  • Zone X (unshaded): Minimal risk; flooding is still possible during heavy rainfall or storm surge.

You can check your property’s flood zone through Forerunner or FEMA Flood Map Service Center.

What’s the difference between an evacuation zone and a flood zone?

Evacuation zones and flood zones are not the same thing:

• • Flood zones are based on flooding risk and insurance requirements.
  • Evacuation zones are based on storm surge risk and public safety during hurricanes.

Even if you’re not in a flood zone, you could still be in an evacuation zone. Check both maps before hurricane season to know your risks and plan your route.

What evacuation zone am I in, and when do I evacuate?

To find your evacuation zone, visit the Lee County Evacuation Zone Map.

During hurricanes or other major emergencies, it’s important to stay informed and follow official instructions.

Evacuation orders are issued based on the threat of storm surge, not wind speed or flood zone designation. If an evacuation order is given for your zone, leave immediately. Evacuate early to avoid traffic, take essential supplies, and follow routes designated by local officials. Do not return home until authorities announce it is safe to do so.

Lee County Emergency Management provides several tools to help you stay informed before, during, and after a disaster:

• • Sign up for AlertLee

Lee County’s mass notification system delivers emergency alerts by phone call, text message, email, or social media. You’ll receive timely notifications for severe weather, evacuation orders, boil water notices, missing persons, and other critical events.

• • Download the LeePrepares App (available on Google Play): Android iPhone

This free app provides evacuation zone information, active shelter listings, preparedness checklists, and local weather updates—all in one place. You can also sign up for alerts directly through the app.

Stay connected:

Follow the Village of Estero on Facebook, Instagram, Nextdoor, and X for the latest updates.

Stay alert:

Keep a NOAA Weather Alert Radio on hand. These radios automatically broadcast emergency alerts and weather warnings—every minute counts during severe weather.

What should I take when evacuating?

Bring essential items: identification, medications, important documents, cash, cell phone/charger, basic clothing, personal hygiene supplies, and pet essentials. If possible, bring a few days’ worth of food, water, and basic first aid items.

Is it safe to drive during a flood? No — Turn Around, Don’t Drown! 🚫💧

Driving through flooded areas is extremely dangerous. You can’t see how deep the water is or what condition the road is in beneath it. Even a small amount of moving water can quickly sweep away you and your vehicle.

Remember these facts:

• • Just 6 inches of water can reach the bottom of most passenger cars, causing loss of control and possible stalling.
  • 1 foot of water can float many vehicles.
  • 2 feet of rushing water can carry away most vehicles — even SUVs and pickup trucks.

If you encounter floodwaters:

• • Do not drive into them.
  • If water begins to rise around your car, abandon the vehicle and move to higher ground if you can do so safely.

💡 When in doubt, choose safety. Turn Around, Don’t Drown!

How can I stay safe during a storm or other natural disaster?

When severe weather threatens, preparation and calm decision-making can save lives. Stay indoors and away from windows. Follow official alerts from AlertLee, NOAA Weather Radio, or local media. Avoid flooded areas — “Turn Around, Don’t Drown.” Use flashlights, not candles, to prevent fires. Unplug appliances to protect them from surges, and keep emergency supplies and documents nearby. If using a generator, operate it outdoors at least 20 feet from doors and windows. Stay inside until officials say it’s safe to go out.

How do I use a generator safely?

Generators can provide critical power during an outage, but they must be used correctly to prevent serious injury, fire, or carbon monoxide poisoning. Follow these important safety tips:

• • Never operate a generator indoors or in enclosed spaces. This includes garages, basements, crawl spaces, or near open windows. Generators emit deadly carbon monoxide gas that you can’t see or smell.
  • Place generators at least 20 feet away from windows, doors, and vents. Position the exhaust so it points away from your home and any neighboring structures.
  • Use heavy-duty, outdoor-rated extension cords. Plug appliances directly into the generator using cords that are in good condition and properly grounded.
  • Do not plug the generator directly into a wall outlet — this can cause backfeeding, which may electrocute utility workers and damage your home’s electrical system.
  • Turn off and allow the generator to cool before refueling. Spilled fuel on hot engine parts can ignite and cause a fire.
  • Store fuel safely in approved containers and away from heat sources, sparks, or open flames.
  • Keep generators dry and operate them on a flat, stable surface under a canopy or open-air shelter to protect from rain.
  • Install carbon monoxide detectors in your home to alert you if dangerous gas levels build up.

Is my food safe after a power outage?

Keep refrigerator and freezer doors closed as much as possible. Discard perishable foods that have been above 40°F for more than two hours or have an unusual odor, color, or texture. When in doubt, throw it out.

Is tap water safe to drink after a disaster?

Follow official boil water notices. If an advisory is in place, boil water for one full minute before drinking, cooking, or brushing your teeth — or use bottled or disinfected water instead.

Bonita Springs Utilities- Service Alerts
Lee County Utilities- Precautionary Boil Water Notices

How should I handle wastewater and stormwater after a flood?

Avoid contact with floodwaters — they may contain sewage, chemicals, or debris. Report sewer backups or overflows to your local utility or county public works department. If you use a septic system, have it inspected after flooding and avoid using plumbing until the water has receded and the system is checked for damage. Do not flush debris or trash into storm drains.

How do I handle mold and debris cleanup?

After a flood or storm, always wear protective gear such as gloves, boots, and a mask when cleaning up. Keep the area well-ventilated and use disinfectants to clean hard surfaces that have come into contact with floodwater. Porous materials like carpet, drywall, and insulation that have been wet for more than 48 hours should be removed and discarded, as they can quickly develop mold. Follow Lee County’s debris disposal guidelines and separate items such as household debris, yard waste, and construction materials to ensure proper collection and disposal.

What does “Substantial Damage” mean?

A structure is considered Substantially Damaged when the cost to repair it equals or exceeds 50% of its market value (excluding land). This rule applies whether the damage was caused by flooding, fire, wind, or other disasters.

If your property is Substantially Damaged:

• • You must bring the structure into full compliance with current floodplain management regulations.
  • This may include elevating the building, floodproofing, or rebuilding to meet current Base Flood Elevation (BFE) standards.

Learn more about substantial damage on the Village Substantial Damage Page.

What is a Substantial Damage Assessment?

A Substantial Damage Assessment is a formal inspection conducted after a major storm or flood to evaluate whether a structure within a Special Flood Hazard Area (SFHA) has sustained significant damage. The floodplain manager in coordination with the building official compares the estimated cost to repair the structure with its market value before the disaster.

If repair costs are 50% or more of the structure’s pre-disaster value, the building is considered “substantially damaged.” In that case, it must be brought into compliance with current floodplain management regulations, which may include elevating, relocating, or rebuilding the structure to reduce future flood risk.

Why are Substantial Damage Assessments required?

Substantial Damage Assessments are required under the National Flood Insurance Program (NFIP) and local floodplain management regulations. Their purpose is to ensure that structures damaged by flooding, hurricanes, or other natural disasters are repaired or rebuilt safely and in compliance with current building and floodplain standards. This process helps reduce future flood risks, protect public safety, and maintain community eligibility for federal flood insurance and disaster assistance.

Who performs Substantial Damage Assessments?

Village employees from the Code Enforcement, Building, and Floodplain departments conduct the assessments. These staff members are trained to evaluate structures in accordance with FEMA and National Flood Insurance Program (NFIP) standards to ensure consistent and accurate determinations.

Is this the same as my insurance company’s damage estimate?

No. Insurance adjusters and Substantial Damage inspectors use different methods and purposes. Insurance estimates determine your claim amount; Substantial Damage Assessments determine compliance with floodplain management rules and rebuilding requirements.

Do I need a Substantial Damage Inspection?

If your home is located in a flood hazard area, it is subject to the Substantial Damage Rule.

If your property was affected by a recent hurricane—especially if floodwaters reached above electrical outlets or your home sustained significant roof or structural damage—it should be evaluated for substantial damage.

Village inspectors will determine whether the cost to repair your home equals or exceeds 50% of its pre-disaster market value. This process ensures compliance with federal floodplain regulations and helps protect homeowners from future flood risks.

You can verify whether your property is located in a Special Flood Hazard Area (SFHA) by checking the Village of Estero’s Flood Maps.

I received a Substantial Damage Letter. What do I do now?

If you received a Substantial Damage Determination Letter, take the following steps:

• • Stop all repair or renovation work.
    Do not begin or continue any construction until you follow the instructions in your letter. Completing unapproved repairs could result in significant additional costs later.
  • Review the letter carefully.
    A “substantial damage” determination means that the estimated cost to repair your home is 50% or more of its pre-disaster market value. You may be required to bring the structure into compliance with current building codes and floodplain management regulations, which could involve elevating, relocating, or demolishing the home.
  • Check your flood insurance coverage.
    Homeowners insured through the National Flood Insurance Program (NFIP) may be eligible for Increased Cost of Compliance (ICC) coverage to help pay for necessary mitigation work, such as elevating or rebuilding to meet code.
  • Contact the Building Department.
    Our staff can guide you through next steps, including the permitting and inspection process.
    Call 239-221-5036 or email permiting@estero-fl.gov for assistance.
  • Hire qualified professionals.
    Work with licensed contractors, appraisers, and engineers or architects to ensure your project meets all current standards. An Elevation Certificate may be required to confirm that your home meets or exceeds the Base Flood Elevation (BFE).
    Visit myfloridalicense.com to verify contractor licenses.
  • Explore financial assistance.
    You may be eligible for Small Business Administration (SBA) disaster loans or FEMA grants to help cover repair costs not paid by insurance.

Can I appeal or request a reevaluation of the determination?

Yes. You may submit additional documentation such as:

• • Photos showing pre- and post-storm conditions.
  • A detailed, itemized cost estimate prepared by a licensed contractor.
  • An independent appraisal showing the home’s actual cash value before the disaster.

Submit all materials to the floodplain manager within the timeframe listed in your letter.

What financial help is available if my home is substantially damaged?

• FEMA Increased Cost of Compliance (ICC): If your home is covered by an effective flood insurance policy through the NFIP, ICC provides up to $30,000 to help pay for elevation, relocation, or demolition required by floodplain regulations.
• Small Business Administration (SBA) Disaster Loans: Low-interest loans for homeowners and businesses to repair or replace damaged property.  The receipt of funds for a structure in the SFHA through SBA requires flood insurance for the life of the loan to protect the collateral.
• State and Local Grants: Check with Village or the Florida Division of Emergency Management (FDEM) for additional recovery programs.

What is the difference between repair cost limits and improvement limits?

The Substantial Damage rule applies to structures that have been damaged by a disaster, while the Substantial Improvement rule applies to planned renovations or remodeling projects.

Both rules use the same 50% threshold—meaning if the cost to repair or improve a building equal or exceeds 50% of its pre-disaster or pre-improvement market value, the structure must be brought into compliance with current building and floodplain regulations. This ensures that properties in flood zones are gradually upgraded to meet modern safety and flood protection standards.

Why is it important to rebuild to current codes?

Rebuilding to current building and floodplain standards helps protect your family’s safety, reduces the risk of future flood damage, and can lower your flood insurance premiums. Compliance also ensures your property remains eligible for coverage under the National Flood Insurance Program (NFIP).

What if I’m rebuilding after a flood or hurricane?

If you plan to repair, rebuild, or improve your property:

• • Obtain a building permit before starting any work.
    All repair, reconstruction, or improvement projects require proper permitting to ensure compliance with building and floodplain regulations.
  • Village will review your project.
    The Village will evaluate the cost of improvements and your property’s market value to determine whether the work qualifies as Substantial Improvement or Substantial Damage under FEMA guidelines.
  • Meet current FEMA and Village standards if required.
    If your project meets or exceeds the 50% threshold, you’ll need to elevate or modify your structure to comply with current floodplain and building requirements.

💡 Tip: Keep all contractor estimates, insurance documents, and repair records. These will be needed during the permitting and compliance review process.

Can I repair my home right away?

Review the Disaster Recovery Important Information for Damage and Repairs. You may need permits before beginning any repair work. Starting repairs without proper authorization can result in fines, stop-work orders, or additional costs. Always confirm permitting requirements with the Village Building Department before you begin.

How can I rebuild stronger and safer?

Work with licensed contractors and make sure all repairs meet the Florida Building Code and FEMA floodplain standards. To better protect your home from future storms and flooding, consider elevating utilities such as electrical panels and air conditioning units, installing flood vents to relieve pressure during flooding, and using water-resistant materials for walls, floors, and finishes in flood-prone areas.

What laws regulate post-disaster rebuilding?

All rebuilding must comply with the Florida Building Code, FEMA floodplain management regulations, and local land development codes. These laws work together to ensure that repaired or rebuilt structures are safe, resilient, and better protected from future disasters.

Do I need a building permit to make repairs?

Yes. Most storm-related repairs—including roofing, electrical, plumbing, and structural work—require a building permit to ensure the work is safe and meets current building codes. Some minor, non-structural repairs may not need one but always confirm first with the Building Department.

What happens if I start work without a permit?

Starting repairs or construction without a required permit can lead to fines, stop-work orders, and costly rework to bring the project into compliance. Unpermitted work may also create unsafe conditions and could jeopardize your eligibility for disaster assistance or flood insurance coverage. Always obtain the proper permits before beginning any work.

Who can pull permits?

Building permits can be obtained only by licensed contractors registered with the State of Florida or by property owners working on their primary residence. Licensed contractors are responsible for ensuring that all work meets current building and floodplain standards and passes required inspections.

If you plan to do the work yourself on your own home, you must assume full responsibility for compliance with all codes and inspections. Always verify your contractor’s credentials and license status at www.myfloridalicense.com before signing any agreement or allowing work to begin.

How do I choose a qualified contractor?

Hire only licensed and insured contractors to ensure your repairs meet safety and building code requirements. Always request written estimates, check references, and verify licenses at www.myfloridalicense.com. Avoid paying the full amount upfront—make payments in stages as work is completed and inspected.

If you suspect or encounter unlicensed contracting activity, report it to the Florida Department of Business and Professional Regulation (DBPR). Be aware that unlicensed contracting during a declared State of Emergency is a third-degree felony in Florida.

What if my contractor asks me to sign over my insurance check?

Do not sign over your insurance payment to a contractor. Always stay in control of your insurance funds and work directly with your insurer to verify approved repairs. Payments should be made only after work is completed and inspected to protect yourself from fraud or unfinished work.

Be cautious of Assignment of Benefits (AOB) agreements. An AOB transfers your insurance claim rights and benefits to a contractor or third party, giving them the power to communicate and negotiate directly with your insurance company.

Under Florida Statutes (§627.7152) and the AOB Reform Bill (House Bill 7065, 2019), strict rules govern these agreements—including written notice, itemized estimates, and cancellation rights for homeowners. Importantly, for insurance policies issued or renewed on or after January 1, 2023, AOBs are no longer permitted in most property insurance policies.

These reforms were enacted to protect homeowners from fraud and inflated claims following disasters. Before signing any document related to your insurance benefits, always read it carefully and consult your insurance company or agent for guidance.

If my home was substantially damaged, what are my options?

If your home was determined to be substantially damaged, you will likely need to take one of the following actions to comply with current floodplain and building regulations:

• • Elevate the home so that the lowest floor is at or above the Base Flood Elevation (BFE) plus 1 foot freeboard.
  • Relocate the structure outside the flood hazard area to reduce future flood risk.
  • Demolish and rebuild the home in compliance with current FEMA, Florida Building Code, and Village floodplain standards.

Homeowners with National Flood Insurance Program (NFIP) coverage may be eligible for Increased Cost of Compliance (ICC) funds to help cover the cost of elevating, relocating, or rebuilding. Village staff can guide you through the permitting process and connect you with available resources.

Can I rebuild using the same plans as before?

You may need to modify your previous building plans to meet current Florida Building Code, FEMA floodplain, and Village regulations. Updates are often required to address elevation, wind resistance, foundation design, and overall structural safety. Always submit your updated plans for review and approval before beginning any rebuilding work to ensure compliance and avoid costly revisions later.

What should I do with storm debris?

Separate debris into distinct categories such as vegetation, construction and demolition materials, appliances and white goods, electronics and hazardous waste. Place debris at the curb, keeping it clear of storm drains, fire hydrants, utility poles, and mailboxes. Do not bag debris or mix it with regular household trash, as it will not be collected. Follow Lee County and Village of Estero announcements for official debris collection schedules and drop-off locations. For more information visit Lee County Solid Waste Hurricane & Disaster Debris Management.

Can I place debris from private property on public rights-of-way?

Debris must be placed in the right-of-way for collection – collection crews will not enter your private property to remove debris, however do not block the street by placing debris on the roadway.

What should I do with hazardous materials?

Keep any hazardous waste separate from storm debris, and contact Lee County Solid Waste at 239-533-8000 for disposal options.

What types of financial assistance are available after a disaster?

After a federally declared disaster, residents may be eligible for several types of financial assistance to help with recovery:

• • Federal Emergency Management Agency (FEMA) Individual Assistance – Provides grants for temporary housing, home repairs, and other disaster-related expenses not covered by insurance.
  • National Flood Insurance Program (NFIP) claims and Increased Cost of Compliance (ICC) coverage – Offers insurance payouts for flood damage and additional funds to help elevate, relocate, or rebuild to meet current floodplain standards.
  • S. Small Business Administration (SBA) low-interest disaster loans – Available to homeowners, renters, and businesses to repair or replace damaged property and belongings.
  • Florida Department of Emergency Management Recovery Programs – May provide supplemental aid or housing assistance following major storms.
  • Nonprofit and community relief programs – Organizations such as the American Red Cross, local churches, and community foundations often provide emergency shelter, supplies, and financial support.

What does FEMA Individual Assistance cover?

FEMA’s Individual Assistance program provides financial help and direct services to eligible residents after a federally declared disaster. Assistance may help pay for:

• • Temporary housing, such as rent, hotel stays, or temporary housing units.
  • Home repairs needed to make a dwelling safe, sanitary, and functional.
  • Replacement of essential personal property, including furniture, appliances, and clothing.
  • Disaster-related medical, dental, or funeral expenses.
  • Other serious needs caused by the disaster that are not covered by insurance or other sources of assistance.
  • Acceptance of Individual Assistance for flood damage generally requires maintaining an NFIP flood insurance policy for the life of the building, even if sold.  This ensures protection against future flooding, as federal law mandates flood insurance for properties receiving federal assistance in flood-prone zones.

Residents can learn more or apply for FEMA assistance at www.DisasterAssistance.gov or by calling 1-800-621-FEMA (3362).

What state assistance is available?

The Florida Division of Emergency Management (FDEM) coordinates state-level disaster relief, including housing support, debris removal, and critical infrastructure repair. Visit floridadisaster.org for current information and available programs.

What documents do I need to apply for disaster assistance?

When applying for FEMA or other disaster recovery assistance, have the following documents ready to speed up the process:

• • Proof of identity – such as a driver’s license, state ID, or passport.
  • Proof of occupancy or ownership – such as a lease, mortgage statement, deed, or recent utility bill.
  • Insurance information – including your policy number and contact information for your insurance company.
  • Documentation of damage – photos or videos of the damage and any repair estimates or receipts.

Having these materials organized and ready will help ensure your application is processed quickly and accurately.

Who is eligible for SBA disaster loans?

The U.S. Small Business Administration (SBA) offers low-interest disaster loans to help individuals and organizations recover from declared disasters. Eligibility includes:

• • Homeowners – to repair or replace damaged real estate and personal property, such as appliances or vehicles.
  • Renters – to replace personal property, including furniture, clothing, and vehicles.
  • Businesses and nonprofit organizations – to repair or replace buildings, inventory, equipment, and other assets damaged by the disaster.

SBA loans can also provide working capital to help small businesses overcome temporary revenue losses. Residents and business owners can apply online at https://www.sba.gov/funding-programs/disaster-assistance

How much can I borrow through the SBA?

The U.S. Small Business Administration (SBA) provides low-interest disaster loans with maximum amounts based on your situation:

• • Homeowners: Up to $500,000 to repair or replace damaged real estate.
  • Homeowners and renters: Up to $100,000 to replace personal property such as furniture, clothing, or vehicles.
  • Businesses and nonprofit organizations: Up to $2 million to repair or replace buildings, equipment, inventory, and other physical assets—or to cover economic injury resulting from the disaster.

Loan amounts and terms are determined by the SBA based on your verified losses and ability to repay.

What other organizations provide disaster relief?

Several nonprofits and community groups provide financial aid, supplies, and recovery support, including:

• • American Red Cross
  • United Way and local affiliates
  • Salvation Army
  • Community foundations and local faith-based organizations

These groups often help with essentials like food, clothing, shelter, and household items when other programs are still being processed.

How can I avoid disaster recovery scams?

Protect yourself from fraud and scams after a disaster by following these guidelines:

• • Work only with licensed contractors and verified organizations. Always check contractor licenses at myfloridalicense.com.
  • Ask for identification from anyone claiming to represent the Village, FEMA, or another government agency. Legitimate officials will always carry and show proper ID.
  • Never pay fees to apply for FEMA or state disaster assistance — all official applications are free.
  • FEMA and the SBA will never ask for payment, banking details, or personal information by phone, text, or email.
  • Do not share personal or financial information with unsolicited callers, even if they claim to represent a government agency.
  • Report suspected fraud or scams to FEMA’s Disaster Fraud Hotline at 1-866-720-5721 or online at justice.gov/disaster-fraud.

Can I receive help if I’m a renter?

Yes. Renters may qualify for several types of disaster assistance. FEMA can provide grants to help replace personal property, cover temporary housing costs, or address other disaster-related expenses. Renters may also be eligible for low-interest personal property loans through the U.S. Small Business Administration (SBA) to replace belongings such as furniture, clothing, or vehicles that were damaged or destroyed.

What if I don’t qualify for FEMA assistance?

If FEMA determines you are ineligible, you will receive a letter explaining the reason for the decision. Often, eligibility issues can be resolved by providing additional documentation—such as repair estimates, proof of ownership or occupancy, or updated insurance information. You have 60 days from the date on your determination letter to submit an appeal. Appeals can be filed online at DisasterAssistance.gov, through the FEMA mobile app, by fax, or by mail to the address listed in your letter.

How should I prepare before an emergency?

Preparation is key to protecting your family and property. Start by creating a family emergency plan and choosing a safe meeting place in case you’re separated. Assemble a disaster supply kit with essentials such as water, non-perishable food, medications, flashlights, batteries, and important documents. Know your evacuation zone and the nearest shelters so you can leave safely if needed. Finally, register for AlertLee notifications to receive real-time emergency alerts and updates from local officials.

How do I register for a Special Needs Shelter, and what assistance is available?

If you or someone in your household has a medical condition or disability that requires special care during an evacuation, you should register in advance for a Special Needs Shelter. These shelters provide a safe environment with basic medical monitoring, power for essential medical equipment, and assistance from trained staff.

You can register through Lee County Emergency Management’s Special Needs Program online at www.leegov.com/publicsafety/emergencymanagement/shelters/specialneedsprogram or by calling 239-533-0640. It’s best to register before hurricane season each year to ensure your information is current.

Residents using oxygen, mobility aids, or other medical devices should bring their own equipment, medications, bedding, and personal items. Transportation assistance to the shelter may also be available through the County’s emergency transportation program if you register in advance.

If you’re unsure whether you qualify or need help completing the registration, contact Lee County Emergency Management for guidance.

What should I do during an emergency?

During an emergency, always follow official alerts and evacuation orders from the Village, County, or state authorities. If you are instructed to shelter in place, stay indoors, move to an interior room away from windows, and keep your phones and other communication devices charged. Stay informed through local radio and television broadcasts, as well as official government social media channels for real-time updates and safety instructions.

What steps should I take after an emergency?

After an emergency, first check on neighbors, particularly the elderly, individuals with disabilities, or anyone who may need extra help.  Contact family members to let them know you are safe.  Document all damages to your property with photos and videos before beginning cleanup or repairs. Contact your insurance company to start a claim, and apply for FEMA or state disaster assistance if eligible. Stay informed by following county and Village updates for information on debris collection, recovery resources, rebuilding permits, and available community assistance programs.

What should I do first if my home was damaged by a storm or flood?

1. Ensure your safety. Do not enter your home until local officials confirm it is safe. Stay alert for hazards such as downed power lines, gas leaks, and structural instability.
2. Document all damage. Take clear photos and videos of all affected areas and belongings before beginning any cleanup or repairs.
3. Contact your insurance company. Report the damage and file a claim as soon as possible to start the recovery process.
4. Check permit requirements. Before making any repairs, contact the Village Building Department to confirm what permits are needed. Most electrical, plumbing, roofing, and structural work requires a permit to ensure safety and compliance with building codes.