Floodplain Management

Mission Statement:  To maintain and enhance a floodplain management program consistent with the needs of the community, the National Flood Insurance Program (NFIP), and the Community Rating System (CRS) requirements.

2024 (Current/Effective) Collier County Flood Map with Elevation Certificate Search

New 2024 Collier County Coastal Flood Map Effective 02/08/2024

On August 8, 2023, FEMA provided Collier County with our designated Letter of Final Determination (LFD). The LFD requires that Collier County adopt the Coastal Flood Map Flood Insurance Study (FIS) and Digital Flood Insurance Rate Map (DFIRM) six months from the LFD date. As a result, Collier County will adopt the new flood map revisions on 02/08/2024.

Local Version - 2024 
DFIRM: https://experience.arcgis.com/experience/70ae02cb985c4d288556ba5d00629fc7

OR

FEMA National Flood Hazard Layer: https://www.fema.gov/flood-maps/national-flood-hazard-layer

2024 Finalized Collier County Flood Map

This finalized data has been presented by FEMA as the best information available at this time and includes new or revised Flood Insurance Rate Maps (FIRMs), Flood Insurance Study (FIS) reports and FIRM Databases.  This release provides community officials, the public, and other stakeholders with the finalized version of the current flood hazards, which include changes that may have occurred in the flood hazards and risks throughout the County since the last flood hazard map was published in 2012.

Flood hazards and associated risks can change over time and water flow and drainage patterns can change dramatically because of surface erosion, land use, and natural forces. Thus, finalized flood hazard maps help inform public officials, floodplain managers, industry stakeholders, and the public about how the community’s flood hazards, and risks have changed.

Study Overview

In Fiscal Year 2013, the Federal Emergency Management Agency (FEMA) initiated a coastal flood risk study for the Southwest Florida Study Area that affects Charlotte, Collier, Desoto, Hendry, Lee, and Sarasota Counties. The results of that study have been incorporated into updated digital Flood Insurance Rate Maps (FIRMs) and Flood Insurance Study (FIS) reports for these counties.

FEMA National Flood Hazard Layer

Letter of Map Change (LOMC) Updated Revalidation Letter (Updated 05/10/2024)

The 2024 Collier County Coastal Flood Map, Revalidation Letter 18-04-0009V(PDF, 963KB) has been updated (version 2) as of 05/10/2024. The original Revalidation Letter (Version 1) was released on 02/09/2024, but was updated on 05/10/2024 to reflect updates to Category 4 LOMCs within the 08/08/2024 SOMA. The Revalidation Letter represents LOMCs that have been revalidated, as indicated in either Category # 2 or Category # 4 of the 2024 SOMA Letter referenced below. 


 2024 Summary of Map Action (SOMA) Letter

The 2024 SOMA Letter (XLSX, 304KB)provides an overview of Letters of Map Change (LOMC) that are scheduled to be revalidated, rescinded, or superseded from the 2012 Collier County Digital Flood Insurance Rate Map (DFIRM) to the 2024 Collier County Coastal Flood Map. The Categories in the SOMA are as follows:

  • Reference Category # 1: Not Applicable
  • Reference Category # 2: Revalidated (LOMC still valid for use)
  • 2a - LOMCs Revalidated on Revised Map Panels (Panels ending in "J" Suffix)
  • 2b - LOMCs Revalidated on Non-Revised Map Panels (Panels ending in "H" Suffix)

     

  • Reference Category # 3: LOMCs Rescinded OR Superseded (LOMC No Longer Valid)
  •  

  • 3.1 - Insufficient information available to make a determination. RESCINDED (NO LONGER VALID)
  • 3.2 - Lowest Adjacent Grade and Lowest Finished Floor are below the proposed Base Flood Elevation. RESCINDED (NO LONGER VALID)
  • 3.3 - Lowest Ground Elevation is below the proposed Base Flood Elevation. RESCINDED (NO LONGER VALID)
  • 3.4 - Revised hydrologic and hydraulic analyses. RESCINDED (NO LONGER VALID)
  • 3.5 - Revised topographic information. RESCINDED (NO LONGER VALID)
  • 3.6 - Superseded by another LOMC.SUPERSCEDED - Replaced by another LOMC (Refer to FloodInfoRequest@colliercountyfl.gov for further assistance if updated LOMC document cannot be provided by applicant)

FloodSmart.gov. 

National Flood Insurance Program  - (800) 427-4661

FEMA Flood Map Service Center     - (877) 336-2627

 

2026 Future Physical Map Revision (PMR) Flood Map Update

Collier County 2026 FUTURE Physical Map Revision (PMR) Digital Flood Insurance Rate Map (DFIRM)

Since 2013, Collier County, in coordination with FEMA, has been working towards finalizing portions of Collier County's DFIRM with updated Light Detection & Ranging (LiDAR), that was not available during the finalization of the historical 05/16/2012 Collier County DFIRM update. These updates have been referred to as PMRs # 1 and # 2. These changes are projected to be adopted between August and October 2026, pending no significant appeals (which could further delay final adoption).

Collier County PMR 1 includes the following FEMA basins

  • Cocohatchee A, B, and C
  • District 6
  • Henderson Creek

Collier County PMR 2 includes the following FEMA basins

  • Ave Maria
  • Faka Union/Faka Miller
  • Faka Union/Fackahatchee Strand
  • Southern Coastal

See the images below, which provides visual reference to the updated FEMA basins, updated map panels, and preliminary PMR DFIRM update schedule.

Drainage-Basins.jpg
Scope.jpg
Processing-Schedule.jpg

FEMA Changes Since Last FIRM (CSLF) Mapping Tool for Evaluation of the 2026 Preliminary Collier County Physical Map Revision (PMR) Digital Flood Insurance Rate Map (DFIRM)

The following FEMA-hosted map product, known as the Changes Since Last Flood Insurance Rate Map (CSLF) mapping tool, allows property owners to evaluate potential changes to their property’s and/or structure’s flood zone. As it applies to Collier County, this comparison would involve the current Collier County 02/08/2024 Digital Flood Insurance Rate Map (DFIRM) and the 2026 future Physical Map Revision (PMR) DFIRM map.

A tutorial for using this product is available by clicking on the following link:

Tutorial on how to utilize the FEMA CSLF Comparison Geoprocessing Tool

FEMA CSLF Mapping Tool Link: https://www.arcgis.com/apps/webappviewer/index.html?id=5852ea902db44e55bfce395799315f9c

Note: It is recommended that you first select the layers list next to the address search bar at the top right of the screen and deselect all layers, while keeping the “Preliminary National Flood Hazard Layer” active. This action can help better distinguish features on the map.

 

May 10, 2024 - Letter of Map Change (LOMC) Revalidation Letter 18-04-0009V

Letter of Map Change (LOMC) Updated Revalidation Letter (Updated 05/10/2024)

The 2024 Collier County Coastal Flood Map, Revalidation Letter 18-04-0009V(PDF, 963KB) has been updated (version 2) as of 05/10/2024. The original Revalidation Letter (Version 1) was released on 02/09/2024, but was updated on 05/10/2024 to reflect updates to Category 4 LOMCs within the 08/08/2024 SOMA. The Revalidation Letter represents LOMCs that have been revalidated, as indicated in either Category # 2 or Category # 4 of the 2024 SOMA Letter(XLSX, 304KB)

 

Surveyor Information

If you are going to purchase flood insurance or desire to remove your home from the Federal flood insurance purchase requirement, an elevation certificate will need to be prepared. Check the County's Elevation Certificate Map to see if an elevation certificate is on file. A Professional Surveyor and Mapper must establish the elevation information of the structure. Here is a list of Professional Surveyors and Mappers(PDF, 236KB), which is updated semiannually.

 

2025 Flood Protection Newsletter

2025 Flood Protection Newsletter 

2025 Flood Protection Newsletter(PDF, 834KB)

 

 

CRS Class 5 Community

The Board of County Commissioner's presented the Floodplain Management section a plaque from FEMA that recognizes Unincorporated Collier County as a CRS Class 5 Community in the National Flood Insurance Program's Community Rating System. The Class 5 rating saves the community a total of $9.6 million in insurance premiums every year. 

Collier County Community Rating System Class 5 Plaque

 

Letter of Map Change (Homeowner Reference)

 Homeowner Reference

This page is dedicated to assist homeowners with the submission of a Letter of Map Change application to remove an existing structure from the Special Flood Hazard Area (SFHA). 


In order for a structure to be considered eligible for a LOMC, a valid elevation certificate must demonstrate the lowest floor elevation AND the lowest adjacent grade (LAG) of the structure is equal to or higher than the current FEMA designated Base Flood Elevation (BFE). 


Letter of Map Amendment (LOMA)

A LOMA is used to change the flood zone of the existing structure when the property owner Bold Fill Definitionis able to demonstrate that the existing natural grade elevation is higher than the mapped BFE without the placement of fill.  A LOMA application can be completed if a structure was originally built before the first flood map for Collier County, Sept. 14, 1979, or if the structure was built in a Zone B, D, X, or X500.  


LOMA Application Requirements

The LOMA application is submitted directly to FEMA and requires the following documentation:

  1. Completed application - Application can be completed on the Online LOMC website or by mail with the paper application MT-EZ form(PDF, 2MB). Please note that the mailing address on the MT-EZ form is incorrect.  Per FEMA, paper applications and supporting documents must be sent via U.S. or express mail to:  LOMC Clearinghouse, 3601 Eisenhower Avenue, Suite 500, Alexandria, VA 22304.
  2. Building permit issue date - Contact the Floodplain Management Section at (239) 252-2942.
  3. Finished construction elevation certificate - Completed by a Professional Surveyor and Mapper(PDF, 236KB).
  4. FIRM panel or FIRMette - Can be created on the FEMA Map Service Center webpage.
  5. Property deed and tax assessor's map- Both items can be found on the Property Appraiser's website  OR  the Subdivision Plat Map - Found on the Collier Clerk website.

The completed application is sent directly to FEMA for review.  The application is not required to be reviewed by the County.  FEMA does not charge a fee to process a LOMA application.  Once FEMA receives the application and all required documentation, FEMA will notify the applicant in writing within 60 days.  If the application is approved, FEMA will issue a Letter of Final Determination to confirm the structure has been removed from the SFHA and the flood zone of the structure has been changed to Zone X or X500. 


Letter of Map Revision Based on Fill (LOMR-F)

LOMR-F is used to change the flood zone of an existing structure where the property owner is able to demonstrate that fill was placed to raise the ground elevation above the BFE.  A LOMR-F application is utilized if a structure was originally built in a SFHA.  If a structure was originally built in a SFHA, fill was placed to elevate the home in order to meet building requirements.


LOMR-F Application Requirements

The LOMR-F application process requires the applicant to submit the entire application to the County for review and approval prior to submittal to FEMA.  The following information is required to submit the LOMR-F application packet to the Floodplain Management section:

  1. Completed application - Application can be completed on the Online LOMC website or by paper with the FEMA MT-1 form.   Per FEMA requirements, completed applications must be submitted to Collier County for staff to review.  After review, the applicant must submit the application to the LOMC Clearinghouse.  Please note that the mailing address on the MT-1 form is incorrect.  Per FEMA, paper applications and supporting documents must be sent via U.S. or express mail to:  LOMC Clearinghouse, 3601 Eisenhower Avenue, Suite 500, Alexandria, VA 22304.   
  2. Building permit issue date - Contact the Floodplain Management section at (239) 252-2942
  3. Finished construction elevation certificate - Completed by a Professional Surveyor and Mapper(PDF, 236KB).
  4. FIRM panel or FIRMette - Can be created on the FEMA Map Service Center webpage.
  5. Property deed and tax assessor's map - Both items can be found on the Property Appraiser's website                    OR  the Subdivision Plat Map - Found on the Collier Clerk website.
  6. Community Acknowledgement Form (CAF) - Signed by a Collier County Community Official after review of the application packet.

The application packet can be sent by email to floodinforequest@collier.gov or delivered to:

Growth Management Department, Attn: Floodplain Management section, 2800 N. Horseshoe Dr., Naples, FL 34104

The Floodplain Management section has a 15 business day initial review time for each application.  The applicant will be notified if an error is identified within the initial review time.  The errors must be corrected before the CAF can be signed by the Community Official.  Once the Community Official approves the application packet,  the signed CAF form will be returned to the applicant.

The applicant is then responsible for submitting the required documents and payment to FEMA. Once FEMA receives the application and all required documentation, FEMA will notify the applicant in writing within 90 days. If the application is approved, FEMA will issue a Letter of Final Determination to confirm the structure has been removed from the SFHA and the flood zone of the structure has been changed to Zone X or X500. 

 

Letter of Map Change (Professional Reference)

Professional Reference

This page is dedicated to assist professionals with the Letter of Map Change (LOMC) submission requirements. The term LOMC is used to collectively reference the processes for a Letter of Map Amendment (LOMA), Letter of Map Revision Based on Fill (LOMR-F), and a Letter of Map Revision (LOMR).  With a LOMA or LOMR-F application, is it important to recognize FEMA will only remove the SFHA designation if the structure or property meets the applicable elevation requirements.  The following requirements are based on the FEMA MT-1 form:

  • If no fill has been placed, FEMA's determination as to whether the SFHA designation may be removed from the structure(s) on a property will be based on a comparison of the BFE with the elevation of the Lowest Adjacent Grade to the structure (lowest ground touching the structure) including any attached decks or garage.
  • If fill has been placed, FEMA's determination will be based on a comparison of the BFE with the elevation of the lowest adjacent grade to the structure (lowest ground touching the structure) including any attached decks or garage and a completed Community Acknowledgment Form.
  • For FEMA to remove the SFHA designation from a legally defined property or portion of property that does not have a structure on it, the elevation of the lowest ground on the property must be at or above the BFE.

Letter of Map Amendment (LOMA)

A LOMA application should only be utilized if the structure, property, or a portion of the property was not elevated using fill.  Fill that is placed before the date of the first FIRM showing the area in a SFHA is considered natural grade. For example, a home that was built using fill in a Zone X or D will require a LOMA.  The LOMA application can be submitted using three different methods.Bold Fill Definition

Methods to Submit LOMA

  • Online LOMC - The application can be completed and submitted on the online LOMC website.
  • Paper Application - Use the MT-EZ form(PDF, 2MB) for a single (1) residential property. The MT-EZ form can only be used for a LOMA.  Use the MT-1 form for multiple properties and other types of removals.  Please note that the mailing address on the MT-EZ and MT-1 Forms are incorrect. Per FEMA,  paper applications and supporting documents must be sent via U.S. or express mail to: LOMC Clearinghouse, 3601 Eisenhower Avenue, Suite 500, Alexandria, VA 22304.
  • Electronic Application (eLOMA) - This application type is available to Professional Surveyors and Mappers, Professional Engineers, and other Certified Professionals. The professional must create an eLOMA account using their license information.  Reference the eLOMA flyer(PDF, 773KB) from FEMA for more information.

The completed application is the sent directly to FEMA for review.  The application is not required to be reviewed by the County.  Once FEMA receives the application and all required documentation, FEMA will notify the applicant in writing within 60 days.  If the application is approved, FEMA will issue a Letter of Final Determination to confirm the structure has been removed from the SFHA and the flood zone of the structure has been changed to Zone X or X500.


Letter of Map Revision Based on Fill (LOMR-F)

A LOMR-F application should be utilized if the structure, property, or a portion of property was elevated with fill at the time of construction. The LOMR-F application requires the MT-1 form for the removal of a structure, property, or portion of property.  The completed LOMR-F application and supporting documents must be submitted to the County for review in order to receive the Community Acknowledgement Form (CAF).  This CAF is signed by the Community Official and is required in order to submit the application to FEMA. 

LOMR-F Application Requirements

Use the LOMR-F Application General Submittal Requirements Checklist(PDF, 215KB) to verify the information required to submit a LOMR-F application to the County.

The application packet can be sent by email to floodinforequest@collier.gov.  Please note that Collier County email accounts can not accept large emails that near or exceed 10MB.  Please coordinate with Floodplain Management to send large files. Applications may also be delivered to: Growth Management Department, Attn: Floodplain Management section, 2800 N. Horseshoe Dr., Naples, FL 34104

The Floodplain Management section has a 15 business day initial review time for each application.  The applicant will be notified if an error is identified within the initial review time.  The errors must be corrected before the CAF can be signed by the Community Official.  Once the Community Official approves the application packet, the signed CAF form will be returned to the applicant.

The applicant is then responsible for submitting the required documents and payment to FEMA. Once FEMA receives the application and all required documentation, FEMA will notify the applicant in writing within 90 days. If the application is approved, FEMA will issue a Letter of Final Determination to confirm the structure, property, or a portion of property has been removed from the SFHA and the flood zone has been changed to Zone X or X500. 


Letter of Map Revision

A LOMR is an official revision to the currently effective Flood Insurance Rate Map and can be pursued to change flood zones, floodplain delineations, and flood elevations.  A LOMR is usually applicable if a physical change occurred, such as a seawalls, bridges, or culverts, that would alter the flood zone or BFE.  The LOMR application is based on new or more detailed analysis conducted by the applicant and requires completion of the FEMA MT-2 form and supporting documents. LOMRs can be very technical and require a case-by-case analysis.  For more information regarding the LOMR, contact William Lang, Site Plans Reviewer/CRS Coordinator, at william.lang@collier.gov.

 

Documents for Professionals

Please note that the Elevation Certificate link has changed to reflect the latest 2022 version. Please correct any old bookmarks.

Elevation Certificate

As of November 6, 2023 Collier County will require the latest version of the elevation certificate (FEMA FORM FF-206-FY-22-152), and the Dry Floodproofing Certificate for Non-Residential Structures (FEMA Form FF-206-FF-22-153), as required by the National Flood Insurance Program W-23006 Bulletin.  Please click on the following link for the FEMA Elevation Certificate. 2023 Elevation Certificate(PDF, 7MB) 


 

V Zone Certificate

Collier County V Zone Certificate(PDF, 227KB)


 

Flood Proofing Certificate 

2023 Floodproofing Certificate for Non-Residential Structures


 

Letter of Map Change

LOMR-F Application General Submittal Requirements Checklist (PDF, 215KB)

MT-EZ Form(PDF, 2MB)

 (PDF, 2MB)FEMA MT-1 Form

 

Before, During & After a Flood

At any time, but especially during the summer, intense thunderstorms or hurricanes can create flooding conditions throughout Collier County that can be dangerous and possibly life-threatening. All residents should establish and maintain an emergency plan to react to possible flooding or other emergency situations.  This page identifies things that can be done before, during, and after a flood to protect people and property.


Before a Flood

There are many things that you can do to save lives and minimize property damage before a flood occurs.  Here are several ideas to help you prepare for a flooding event. 

Before a flood


During a Flood

During a flood, protecting you and your family is the main priority.  Once people are safe, you can try to minimize property damage and protect your home.  Here are several things to remember while flooding is occurring.

 During a flood


After a Flood

As soon as the flood levels have dropped, it is time to begin the recovery process.  First, ensure your safety when re-entering a flooded building. Be sure electricity, gas, and water are turned off and allow floodwaters to drain as soon as possible. Then assess the damage, contact your insurance agent, and start the process of repairing your home. Building permits for repairs may be required. Check with the Building Review Division before starting any repairs. Here are several things to remember after a flood has occurred.

After a flood

 

Report Flooding

Short-term street flooding is common after intense rainfall in the wet season (June-November).

Roadside ditches and swales that gradually convey storm water commonly stay wet for weeks or months during the wet season.

If you live in a development with a homeowner's association (HOA), or residence association please call the management office. Most private developments maintain their own drainage systems.

Many larger canals are operated and maintained by the Big Cypress Basin Board, but most smaller canals, and ditches along public roads are County maintained.

Please report flooding if you experience:

  • Flooding that threatens to enter a residential or commercial structure.
  • Persistent street flooding, meaning it happens frequently after an average rainfall, or it remains longer than 48 hours after heavy rain.
  • Any changes in the way storm water drains in your area compared to previous years, i.e., new flooding.

Call: Collier County Road Maintenance Department, 4800 Davis Blvd., Naples 

(239) 252-8924 Or Email: RoadMaintenance@collier.gov

 You may attach photos if they help describe the flooding.

What you can do to Reduce the Potential for Flooding:    

  • Remove debris and toys from ditches and swales along the property.
  • Maintain property adjacent to ditches and swales.
  • Report plugged or blocked drainage facilities to same contacts above.
  • Consider becoming a sponsor in the Adopt-A-Road program. The program has grown steadily with sponsoring groups that gather trash and report potentially harmful pollutants from over 400 miles of roadside swales in Collier County.

 

Library of Publications and Materials

Building and Construction Information

 Above the Flood: Elevating your Floodprone House(PDF, 11MB) (FEMA-347, 2000)

Coastal Construction Manual (FEMA-P-55, 2011)

Elevated Residential Structures(PDF, 18MB) (FEMA-54, 1984)

Homeowner’s Guide to Retrofitting (FEMA-P-312, 2014)

Home Builder’s Guide to Coastal Construction(PDF, 18MB) (FEMA-P-499, 2010)

Mitigation of Flood and Erosion Damage to Residential Buildings in Coastal Areas(PDF, 8MB) (FEMA-257, 1994)  

Protecting Building Utilities from Flood Damage book (FEMA-P-348, 2017)

Protecting Floodplain Resources(PDF, 6MB) (FEMA-268, 1996)

Protecting Manufactured Homes from Floods and Other Hazards(PDF, 15MB) (FEMA-P-85, 2009)

Protect Wells from Contamination by Flooding(PDF, 213KB) (FEMA, 2008)  

Reducing Damage from Localized Flooding(PDF, 8MB) (FEMA-511, 2005)

Substantial Improvement/Substantial Damage Desk Reference(PDF, 9MB) (FEMA-P-758, 2010)

FEMA Flood Mitigation - Information on Retrofitting Your Home(PDF, 604KB) (FEMA)


Flood Insurance Information

NFIP: Condominium Coverage (FEMA F-029, 2019)(PDF, 868KB)

NFIP: Increased Cost of Compliance Coverage (FEMA-P1080-2017)(PDF, 2MB)

Disaster Assistance vs. Flood Insurance: What Clients Need to Know (FEMA-2023)

Coastal Barrier Resources Act Fact Sheet(PDF, 621KB) (FEMA, 2011)

5 Myths About Flood Insurance (FEMA - 2021)   


 

Local Publications

Collier County All Hazards Guide(PDF, 16MB)

Collier County Floodplain Management Ordinance 

Collier County Flood Insurance Study(PDF, 51MB) (FIS)

Collier County Comprehensive Emergency Management Plan (CEMP)(PDF, 25MB)

Local Mitigation Strategy(PDF, 86MB) (LMS)

Floodplain Management Ordinance

Floodplain Management Ordinance

Is Your Property in a Floodplain?

Floodplain management is the operation of a community program of corrective and preventative measures for reducing flood damage. These measures take a variety of forms and generally include requirements for zoning, subdivision or building, and special-purpose floodplain ordinances.

A community's agreement to adopt and enforce floodplain management ordinances, particularly with respect to new construction, is an important element in making flood insurance available to home and business owners. Collier County uses several approaches to protect its natural floodplain areas in order to prevent alteration of the natural functions of floodplains and to diminish the damaging effects of flood waters. Among these approaches are:

To encourage communities to establish sound floodplain management programs that recognize and encourage community floodplain management activities that exceed the minimum National Flood Insurance Program (NFIP) requirements, the Community Rating System (CRS) was created. This program provides communities with discounts to flood insurance rates as rewards for successfully complying with CRS criteria.

 

Flood Insurance Information

Overview of the National Flood Insurance Program

Collier County is a participating community in the National Flood Insurance Program (NFIP), a federal program that was enacted in 1968 to make flood insurance available in communities that maintained floodplain management regulations. Collier County (including Marco Island at the time) entered into the NFIP in 1979. The City of Naples and Everglades City entered into the NFIP in 1970.  The insurance from the NFIP is considerably less expensive than federal disaster loans and it is backed by the U.S. government.

Flood Insurance

When it comes to flood protection, most homeowner insurance policies do not cover losses due to flooding. However, flood insurance is available for most enclosed buildings and can cover the structure and/or contents. This includes homes, condominiums, mobile homes on foundations, businesses or commercial structure, farms, and the contents of rental units. Flood insurance coverage protects you even when a federal disaster is not declared (which is required for most federal disaster assistance to be offered). The flood coverage from the NFIP is an asset to your home or business owner as it reimburses you for covered financial losses from flood damage.

Flood insurance coverage through the NFIP does have its limits. Buildings, single-family homes, or 2-4 family residential structures are limited to $250,000 in damages. Other residential buildings and non-residential buildings are capped at $500,000. For contents-only policies, residences are limited to $100,000 in damages, while the contents of commercial and other structures are capped at $500,000.

Mandatory Purchase Requirement

The Flood Disaster Protection Act of 1973 and the National Flood Insurance Reform Act of 1994 made the purchase of flood insurance mandatory for federally backed mortgages on buildings located in a Special Flood Hazard Area (SFHA).  A SFHA is any flood zone starting with the letter “A” or “V”.  The requirement applies to secured mortgage loans from financial institutions, all mortgage loans purchased by Fannie Mae or Freddie Mac, and all forms of federally related financial assistance.

Lenders are required to complete a Standard Flood Hazard Determination form whenever they make, increase, extend or renew a mortgage, home equity, home improvement, commercial or farm credit loan.  If the building is in an SFHA, the agency or lender is required by law to require the recipient to purchase a flood insurance policy on the building. If the recipient declines to purchase the mandatory flood insurance coverage, the agency or lender can purchase the flood insurance coverage and charge the recipient for it. This latter action is called “force place insurance” and is usually much more expensive for the recipient.

Waiting Period

There is a 30-day waiting period between purchase and when coverage begins.  This is done to prevent purchasing insurance when a major storm is forecast (only to cancel the policy when the threat passes). The following exceptions apply: 

  • When the purchase of insurance is done in connection with making, increasing, extending or renewing a loan.
  • When the purchase of insurance occurs during the one-year period following issuance of a revised flood map for a community.

Please see the National Flood Insurance Program website at www.floodsmart.gov or call the NFIP toll-free at (888) 379-9531, for information on policy rates and coverage. Contacting a local insurance agent or lender for details is also suggested. Be aware that for existing loans there is typically a 30-day waiting period before coverage goes into effect – so don’t delay.

For assistance: Contact the Flood Information Hotline at (239) 252-2942 or email floodinforequest@collier.gov

 

2024 Repetitive Loss Area Analysis (RLAA)

Collier County, FL (Community ID: 120067) is considered a Category C Repetitive Loss Community. A Class C Repetitive Loss Community means a community with 50 or more unmitigated repetitive loss properties. Due to this category, Collier County must complete both a Repetitive Loss Area Analysis (RLAA) and a Floodplain Management Plan (FMP). The community's RLAA, once completed, is included within the community's updated FMP. 

As of June 2024, Unincorporated Collier County, in coordination with WSP USA, Inc, completed the Collier County 2024 RLAA Study. The Public Report can be located by clicking the following link:

2024 Collier County Public RLAA Study

 Now that the RLAA study is complete, The Community Planning & Resiliency Division within the Collier County Growth Management Community Development Department will begin updating the Collier County FMP, which is projected to begin in late 2025 (subject to change)

 

2014-2015 Floodplain Management Plan

Purpose of the Floodplain Management Plan:

The purpose of the Floodplain Management Plan is to reduce or eliminate risk to people and property from flood hazards. Every community faces different hazards, and every community has different resources to draw upon when addressing problems. Planning is one of the best ways to develop a customized program that will mitigate the impacts of flood hazards while taking into account the unique character of a community. A well prepared floodplain management plan will ensure that all possible activities are reviewed and implemented so that the problem is addressed with the most appropriate and efficient solutions. The Plan also assists to ensure that activities are coordinated with each other and with other goals and activities, preventing conflicts and reducing the costs of implementing each individual activity.

Planning Process:

Collier County followed the planning process prescribed by the Federal Emergency Management Agency (FEMA), and this Plan was developed by a consultant and under the guidance of a Floodplain Management Planning Committee (FMPC). The FMPC is comprised of representatives of Collier County Departments, local citizens, and other community members. The FMPC conducted a risk assessment that identified and profiled flood hazards that pose a risk to the County, assessed the County’s vulnerability to these hazards, and examined the capabilities in place to mitigate them.

Adopted Plan:

The 2015 Floodplain Management Plan(PDF, 12MB) was adopted by the Collier County Board of County Commissioners on March 10th, per Resolution Number 2015-41.

CRS Requirement and Credit Received:

Communities that participate in the Community Rating System (CRS) program that obtain a rating of 7 or better (Collier County is a Class 5 and two classes better than a 7) and which have 10 or more repetitive loss properties (Collier County has 32 repetitive loss properties) are required to conduct a FMP update every five years. The FMP may only be amended by Resolution of the Board of County Commissioners and is updated on a 5-year cycle.
The 2015 Plan was approved by FEMA and the County received points towards the County’s CRS rating.

Floodplain Management planning goals:

Based on the risk assessment developed for each of the flood hazards identified above, the FMPC identified goals and objectives for reducing the County’s vulnerability to the hazard.

Goal 1 – Reduce vulnerability and exposure to flood hazards in order to protect the health, safety and welfare of residents and guests.

Goal 2 – Encourage property owners, through education and outreach measures, to protect their homes and businesses from flood damage.

Goal 3 – Reduce the vulnerability of critical facilities and infrastructure from the effects of flood hazards.

Goal 4 – Protect natural resources by employing watershed-based approaches that balance environmental, economic and engineering considerations.

Goal 5 – Minimize adverse impacts to surrounding areas and watershed functions.

 

 

Stormwater Management

Stormwater Management activities in Collier County primarily address the planning, design, construction and maintenance of storm water capital facilities to provide drainage and water quality treatment needs for the existing and projected developed areas of the County.

Big Cypress Basin is a sub-agency of the South Florida Water Management District. Big Cypress Basin was created by the Florida legislature in 1977. Through a series of agreements with Collier County, Big Cypress Basin has regulatory control and operation and maintenance responsibility for the primary canal system for the county. As a sub-agency of the South Florida Water Management District, they have taxing authority to raise funding to support their many activities to plan for and manage the water resources within their legally defined basin boundary.  Their offices are located at 2660 N. Horseshoe Dr. #101, Naples, FL 34104

Public Drainage System Maintenance

Surface water runoff is affected by natural and manmade features and is channeled through inlets and pipes, swales, ditches, ponds and lakes, ultimately flowing into the surrounding bays and the Gulf of Mexico. Maintenance of these features is important because debris will obstruct the flow of water causing street and yard flooding. To achieve the best flow capacity, Collier County Road Maintenance Division performs scheduled inspections and maintenance that include the removal ono dumpingf high weeds, clippings, branches, or other debris. For further information, contact the Collier County Road Maintenance Division at (239) 252-8924.

It is illegal to dump trash, cut vegetation, unauthorized chemicals, sediment or waste materials into storm sewer systems, ditches, canals, streams, or bays in Collier County. If you see someone dumping materials into a storm sewer, ditch, canal, stream, or bay please immediately contact the Collier County Code Enforcement Division at (239) 252-2440 .

 

Private Drainage System Maintenance

Many properties are located within developments with drainage systems maintained by their homeowner association or similar controlling body. The County does not provide maintenance service for these private facilities. It is the responsibility of the private entities to maintain the drainage facilities in compliance with the approved development plans. As a general rule, if the community is gated, the Road Maintenance Division is not responsible for road or drainage maintenance. If the community is non-gated, the Road Maintenance Division is responsible for the streets and the drainage facilities within the street right-of-way. Drainage system components outside of the road right-of-way are the responsibility of the designated association.  For confirmation of maintenance on non-gated communities, contact the Collier County Road Maintenance Division at (239) 252-8924.

 

Natural Functions of Floodplains

The following information is and excerpt from "Natural and Beneficial Floodplain Functions: Floodplain Management - More than Flood Loss Reduction", written by the Association of State Floodplain Managers from September 2008.

Areas adjacent to the coast are most at risk to life and severe property damage from dangerous coastal surge. Coastal floodplain areas function to attenuate the impacts of coastal surge flooding. These floodplains along the coastal barrier islands, bays and the other estuarine coastline provide a buffer to accommodate temporary flooding (tidal or storm driven). This buffer, in combination with prudent development, allows for buildings to weather intermittent flooding with a minimum of disruption and cost.

However they are also the most popular areas for people to live. That's why government tries to strike a balance between public needs and private property, regulating the kind of development allowed and where it can be located. These floodplains also offer valuable coastal habitat for plants and animals, and typically are a highly prized recreational resources (providing access to coastal waters) as well.

Flooding is a natural process that forms and maintains floodplains and coastal zones. Periodic flows of water that overtop the banks of canals and edges of sloughs and that encroach upon coastal areas are the lifeblood of the floodplain corridors, marshes, beaches, and other natural areas. The seasonal variability of flow, incessant wave action, and intermittent extreme events all combine to determine both the physical structure and the biological diversity of floodplain areas.

Finding the delicate balance between human needs and environmental sustainability is a difficult undertaking. Successful, sustainable flood hazard reduction solutions need to be based on the forces at work in floodplains and coastal zones and also on the resources that these floodplain areas provide. Natural floodplains have interrelated functions, which in their natural state provide numerous resources and benefits to society.

Flooding from hurricanes and storms is the key process in providing such tangible benefits as increased soil fertility, wetland creation, rejuvenation of spawning bed areas, creation of barrier islands, promotion of aquatic habitat, transportation of large woody material that provides fish habitat and bank stability, promotion of plant establishment, and the alteration of channels and shoreline features such as dunes. These resources are described in detail in numerous documents, notably A Unified Program for Floodplain Management (Federal Interagency Floodplain Management Task Force, 1994) and The Natural & Beneficial Functions of Floodplains (Task Force on the Natural and Beneficial Functions of the Floodplain, 2002).

Both freshwater and coastal ecosystems are shaped and nurtured by the characteristics of the water, including where it originates as well as its flow and levels. The seasonal and storm-generated variations in water flow, including periodic flooding, are part of the normal function of the floodplain zone. These variations establish stream banks, keep erosion and accretion in equilibrium, replenish soils, recharge groundwater, and filter impurities. In coastal areas, water differences are based on tides, currents, wave action, and storm surges—all of which form shorelines, coastal wetlands, dunes, barrier islands, and estuaries. High flows are critical to maintaining vegetation because they transport sediment and nutrients to new locations within the connecting floodplains.

The dimensions and configuration of a stream channel or coastline are determined by ongoing geomorphic processes. For example, the natural transport of sand and sediment dictates the migration of channels, shorelines, dunes, and barriers. This process, in turn, is influenced by the geological composition of the landforms; the caliber, rate, and volume of sediment movement; and the presence or absence of vegetation. Although the geomorphology of waterways and shorelines is constantly changing, in their unaltered state they exist in dynamic equilibrium, which cannot be disturbed without consequences.

Floodplain and coastal vegetation helps to stabilize the shoreline and river banks, provide habitat for terrestrial and aquatic wildlife, control erosion and sedimentation, and improve water quality by filtering pollutants. Healthy floodplain corridors often provide the highest concentrations of plant and animal communities in a watershed, providing a stable source of biodiversity.

The variable flows of water in freshwater and coastal areas have resulted in uniquely adapted species of aquatic and terrestrial organisms—they depend on the variation in water conditions for spawning, seed dispersal, elimination of competing vegetation, and nursery areas for their young. The ecological integrity of floodplain vegetation depends on the supply of water, sediment, and nutrients; the dynamic stability of the system; the methods of plant colonization; rates of growth and decay; and the contribution of organic matter to the water body.

Naturally functioning freshwater floodplain and coastal areas are the product of a tightly interconnected system of all of the processes described above. The ecosystems sustain themselves by means of these ongoing processes. Human activity, especially urbanization and alteration of the flooding process as a means of controlling and/or storing water, interrupts these natural processes and thus disturbs the functions and overall health of the ecosystem.

All of these activities in pursuit of development, urbanization, and flood protection can yield specific, usually localized economic and social benefits, but the long-term impacts can place both humans and nature at higher risk. Further, in various locations across the nation they have proved counterproductive, resulting in a system of “reactive” engineering through which the symptoms of the problem are treated at great expense while the underlying causes are not addressed and flood losses continue to rise.

Realizing that wetlands, soils, marshes, unspoiled waterways, and related resources and their functions are crucial components of ecosystems vital to human life, it is important for development activities to be designed to promote the continued natural functions of our floodplains. The County’s watershed management planning approaches utilize initiatives that support the continuation of natural floodplain functions.

 

Community Outreach Programs

Floodplain Management provides presentations to homeowner associations, condominium associations, rotary groups, professional organizations, and other specific groups regardingCommunity Flood Outreach Example the following information:

  • Benefits of the Community Rating System program 
  • History of the National Flood Insurance Program
  • Flood insurance
  • Elevation certificate information
  • Building and construction standards in the floodplain

Floodplain Management can also set up informational booths at local stores or community gatherings.  Please email Floodplain Management at floodinforequest@collier.gov if you are interested in a presentation or an information booth at your event.

 

Frequently Asked Questions

The linked Frequently Asked Questions document(PDF, 378KB) will open in a new page.  This document lists the most common questions received by the Floodplain Management section.  Please contact the Floodplain Management section if you have additional questions, or need more information. 

Additional Contact Information

Collier County Road Maintenance Division - (239) 252-8924

Collier County Building Plan Review & Inspection Division - (239) 252-2400

City of Naples - (239) 213-5039

City of Marco Island - (239) 389-3947

Everglades City - (239) 695-3781

National Flood Insurance Program - 1(800) 427-4661

FEMA Map Service Center - 1(877) 336-2627

 

                                              

Contact the Flood Information Hotline at (239) 252-2942 or email floodinforequest@collier.gov