Flooding is the most common natural disaster in the U.S. and only flood insurance covers flood damage to your property and possessions. Most homeowners insurance covers water damage caused from a broken waterline inside your home, but not water damage caused by flooding in your neighborhood.
Flooding can be caused from a tropical storm, hurricane, flash floods, or even heavy rains.
Everyone lives in a flood zone – it’s just a question of whether you live in a high, moderate or low risk area. However, the National Flood Insurance Program reports that nearly 20% of insurance claims are for properties in moderate to low risk areas.
- Find My Flood Zone – use the search icon to type in your address (link to map)
Just a few inches of water from a flood can cause tens of thousands of dollars in damage. From 2010 to 2014, the average residential flood claim amounted to more than $39,000.
Flood insurance is the best way to protect yourself from devastating financial loss. Most local property and casualty insurance agents write flood insurance policies.
Flood insurance is available to everyone – homeowners, renters, condo owners/renters, and commercial owners/renters. Costs vary depending on how much insurance is purchased, what it covers and the property’s flood risk.
Typically, there’s a 30-day waiting period from date of purchase before your policy goes into effect. That means now is the best time to buy flood insurance.
- Learn more about flood hazards in Lee County (link and link)
- Understand Your Risk (link)
- Tropical Storm and Hurricane Flood Risk (link)
- Flood Insurance Agent Locator (link)
The Village of Estero is a participant in the National Flood Insurance Program (NFIP) to ensure compliant floodplain management measures to provide protection for the residents of the Village of Estero. By agreeing to enforce floodplain regulations, flood insurance becomes available to residents and property owners in the Village. For more information, please refer to Resolution 2016-01.
FEMA’s National Flood Insurance Program (link – click on interactive map icon)
FEMA Map Service Center https://msc.fema.gov/portal/search
FEMA Map Changes https://www.fema.gov/letter-map-changes
FEMA Substantial Improvements/Damage –
Warning, Safety and Evacuation https://www.leegov.com/publicsafety/emergencymanagement
Flood Insurance Rate Maps (FIRM) https://www.leegov.com/dcd/flood/firm
To find Elevation Certificates for permitted construction projects prior to January 4, 2016 (Lee County) https://www.leegov.com/dcd/eServ/searchec
To find Elevation Certificates for permitted construction projects after January 1, 2016, email firstname.lastname@example.org.
Flood Zones Defined https://www.leegov.com/dcd/flood/defined
Floodplain Management https://www.leegov.com/dcd/flood/mgmt
Map Revisions https://www.leegov.com/dcd/flood/floodways
Flood Insurance Rate Map Letter – Requests should be sent to Mark Muraczewski, Senior Planner, Village of Estero Community Development Department, 239-221-5036, (email@example.com)
Program for Public Information
This information is provided as part of the overall Lee County Multijurisdictional Program for Public Information (PPI) to provide comprehensive flood hazard information to residents and non-residents.
The Village Council approved Resolution 2016-01 supporting this program on January 6, 2016. Approving this program allows points to be assigned to Estero’s Community Rating System and helps to reduce the cost of insurance for village residents.
The PPI Committee is comprised of public and private representatives from each of Lee County’s municipalities, as well as unincorporated Lee County. Its role is to establish an outreach program to broaden the public’s understanding of flood hazards, mapping, and insurance.
The Committee’s overall message focuses on the fact that floods are the most common natural disaster in the U.S. and only flood insurance covers flood damage. Everyone lives in a flood zone – it’s just a question of whether you live in a high, moderate or low risk area.
There are over 4,500 structures in Estero located in the special flood hazard area. However, the National Flood Insurance Program reports that nearly 20% of insurance claims are for properties in moderate to low risk areas. This is why it’s important for everyone to have flood insurance.
CRS – Community Rating System
FEMA – Federal Emergency Management Agency
FIRM – Flood Insurance Rate Map
NIFP – National Flood Insurance Program
SFHA – Special Flood Hazard Area