Agenda 10/14/2025 Item #16A15 (2024 Collier County Repetitive Loss Area Analysis Study)10/14/2025
Item # 16.A.15
ID# 2025-2767
Executive Summary
Recommendation to receive and approve the 2024 Collier County Repetitive Loss Area Analysis (RLAA) Study.
OBJECTIVE: To provide the Board of County Commissioners with the Collier County Repetitive Loss Area Analysis
(RLAA) study, which was developed to meet the County’s requirements for participating in the National Flood
Insurance Program’s Community Rating System.
CONSIDERATIONS: Collier County voluntarily participates in the Community Rating System of the National Flood
Insurance Program (NFIP). The County has achieved a Class 5 rating in the program and has over 50 properties that
have filed multiple flood insurance claims within any 10-year period. These are designated as Repetitive Loss
Properties. As a result, the County must develop and maintain both a Repetitive Loss Area Analysis (RLAA) and a
comprehensive Floodplain Management Plan. The RLAA functions as a component within the County’s broader
Floodplain Management Plan.
The primary objectives of the Floodplain Management Plan include:
• Enhancing awareness of floodplain and flooding issues,
• Identifying existing flood hazards,
• Reviewing historical flood events,
• Evaluating current floodplain challenges, and
• Establishing objectives and strategies aimed at bolstering community resilience against flooding.
Collier County achieved a Community Rating System Class 5 rating in October 2015. This provides up to a 25%
discount on the premium rates charged to flood insurance policyholders. Due to the Class 5 rating, Collier County
policyholders are currently saving approximately $9.6 million across more than 60,000 flood insurance policies. The
County adopted its current Floodplain Management Plan on March 10, 2015. It was developed by a consultant under the
guidance of the Floodplain Management Planning Committee and adopted as a component of the Local Mitigation
Strategy. The plan must be updated every five years. Due to the County’s delayed Digital Flood Insurance Rate Map
(DFIRM) product, which was congressionally mandated and adopted on February 8, 2024, the RLAA was initiated
afterward and finalized as of June 2025. Once the Board approves the RLAA, the County can proceed with updating the
Floodplain Management Plan.
Please see Attachment 1, which is the finalized RLAA. The Floodplain Management Planning reviewed and approved
this Executive Summary and corresponding Attachments on 08/08/2025.
This item is consistent with the Collier County strategic plan objective to maintain the Community Rating System Class
5 flood insurance discount rating.
FISCAL IMPACT: There are no fiscal impacts associated with this Executive Summary.
GROWTH MANAGEMENT IMPACT: There is no growth management impact associated with this Executive
Summary.
LEGAL CONSIDERATIONS: This item has been reviewed by the County Attorney and is approved as to form and
legality amd requires a majority vote for Board approval.
RECOMMENDATIONS: To receive and approve the Collier County 2024 Repetitive Loss Area Analysis.
PREPARED BY: Christopher Mason, CFM - Director, Community Planning & Resiliency Division, Growth
Page 2094 of 6526
10/14/2025
Item # 16.A.15
ID# 2025-2767
Management Community Development Department
ATTACHMENTS:
1. 2025-08 RLAA Exec Summary
2. Collier County RLAA_Public Version
Page 2095 of 6526
EXECUTIVE SUMMARY
Recommendation to receive and approve the 2024 Collier County Repetitive Loss Area
Analysis (RLAA) study
______________________________________________________________________________
OBJECTIVE: To provide the Board of County Commissioners with the Collier County
Repetitive Loss Area Analysis (RLAA) study, which was developed to meet the County’s
requirements for participating in the National Flood Insurance Program’s Community Rating
System.
CONSIDERATIONS: Collier County voluntarily participates in the Community Rating System
of the National Flood Insurance Program (NFIP). The County has achieved a Class 5 rating in
the program and has over 50 properties that have filed multiple flood insurance claims within
any 10-year period. These are designated as Repetitive Loss Properties. As a result, the County
must develop and maintain both a Repetitive Loss Area Analysis (RLAA) and a comprehensive
Floodplain Management Plan. The RLAA functions as a component within the County’s broader
Floodplain Management Plan.
The primary objectives of the Floodplain Management Plan include:
• Enhancing awareness of floodplain and flooding issues,
• Identifying existing flood hazards,
• Reviewing historical flood events,
• Evaluating current floodplain challenges, and
• Establishing objectives and strategies aimed at bolstering community resilience against
flooding.
Collier County achieved a Community Rating System Class 5 rating in October 2015. This
provides up to a 25% discount on the premium rates charged to flood insurance policyholders.
Because of the Class 5 rating, Collier County policyholders currently save approximately $9.6
million across more than 60,000 flood insurance policies. The County adopted its current
Floodplain Management Plan on March 10, 2015. It was developed by a consultant under the
guidance of the Floodplain Management Planning Committee and adopted as a component of the
Local Mitigation Strategy. The plan must be updated every five years. Due to the County’s
delayed Digital Flood Insurance Rate Map (DFIRM) product, which was congressionally
mandated and adopted on February 8, 2024, the RLAA was initiated afterward and finalized as
of June 2025. Once the Board approves the RLAA, the County can proceed with updating the
Floodplain Management Plan.
Please see Attachment 1, which is the finalized RLAA. The Floodplain Management Planning
reviewed and approved this Executive Summary and corresponding Attachments on 08/08/2025
FISCAL IMPACT: There are no fiscal impacts associated with this Executive Summary.
LEGAL CONSIDERATIONS: This item is approved as to form and legality and requires a
majority vote for Board approval. -HFAC
Page 2096 of 6526
GROWTH MANAGEMENT IMPACT: There is no growth management impacts associated
with this Executive Summary.
RECOMMENDATION: That the Board receives and approves the Collier County 2024
Repetitive Loss Area Analysis.
Attachment:
1. Collier County 2024 Repetitive Loss Area Analysis (RLAA)
Prepared By: Christopher Mason, CFM - Director, Community Planning & Resiliency Division,
Growth Management Community Development Department
Page 2097 of 6526
Collier County, Florida
REPETITIVE LOSS AREA ANALYSIS
Page 2098 of 6526
TABLE OF 1 REPETITIVE LOSS AREA ANALYSIS .................. 1
CONTENTS 1.1 Background............................................................................ 1
1.2 Setting ......................................................................................2
1.3 Repetitive Loss Requirement........................................ 5
1.4 Mapping Repetitive Loss Areas .................................... 11
2 THE RLAA PROCESS .................................................13
2.1 STEP 1. Advise All Property Owners .........................13
2.1.1 Mailed Questionnaire ..............................................................................................13
2.2 STEP 2. Contact Agencies and Organizations .... 22
2.2.1 Summary of Studies and Reports ................................................................. 22
2.3 STEP 3. Building Data Collection .............................. 23
2.3.1 Coastal/Tidal Flooding Zone ............................................................................. 28
2.3.2 Inland Flooding Zone ...........................................................................................163
2.4 STEP 4. Review Alternative Mitigation
Approaches ....................................................................... 197
2.4.1 Mitigation Alternatives ........................................................................................197
2.4.2 Mitigation Funding ................................................................................................197
2.4.3 Potential Mitigation Measures ...................................................................... 198
2.4.4 Current Mitigation Projects ............................................................................. 199
2.4.5 Past Mitigation Projects ..................................................................................... 199
2.4.6 Advantages and Disadvantages of Mitigation Measures ..........200
2.5 STEP 5. Conclusion and Recommendations .... 203
2.5.1 Conclusion ................................................................................................................. 203
2.5.2 Prioritization ............................................................................................................. 203
2.5.3 Recommendations .............................................................................................. 204
2.5.4 Prioritization Table ...............................................................................................206
3 REFERENCES .............................................................207
APPENDIX A BUILDING SURVEY DATA ...............208
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TABLES
TABLE 1.1 – SUMMARY OF UNMITIGATED REPETITIVE LOSS
PROPERTIES .............................................................................5
TABLE 2.1 – REPETITIVE LOSS AREA PERCENTAGE OF ACREAGE
BY FLOOD ZONE .................................................................24
TABLE 2.2 – OVERVIEW OF SUBAREA 1.........................................................31
TABLE 2.3 – OVERVIEW OF SUBAREA 2.......................................................67
TABLE 2.4 – OVERVIEW OF SUBAREA 3......................................................119
TABLE 2.5 – OVERVIEW OF SUBAREA 4.....................................................128
TABLE 2.6 – OVERVIEW OF SUBAREA 5 ..................................................... 141
TABLE 2.7 – OVERVIEW OF ZONE 6 ..............................................................156
TABLE 2.8 – OVERVIEW OF SUBAREA 7.....................................................165
TABLE 2.9 – OVERVIEW OF SUBAREA 8 .................................................... 175
TABLE 2.10 – OVERVIEW OF SUBAREA 9 ..................................................186
TABLE 2.11 – OVERVIEW OF ZONE 10 ...........................................................194
TABLE 2.12 – MITIGATION GRANT PROGRAMS......................................198
TABLE 2.13 – PAST MITIGATION ACTIONS .................................................199
TABLE 2.14 – ADVANTAGES AND DISADVANTAGES OF
ACQUISITION ....................................................................200
TABLE 2.15 – ADVANTAGES AND DISADVANTAGES OF
RELOCATION.......................................................................201
TABLE 2.16 – ADVANTAGES AND DISADVANTAGES OF BARRIERS
......................................................................................................201
TABLE 2.17 – ADVANTAGES AND DISADVANTAGES OF WET
FLOODPROOFING ...........................................................202
TABLE 2.18 – ADVANTAGES AND DISADVANTAGES OF DRY
FLOODPROOFING ...........................................................202
TABLE 2.19 – ADVANTAGES AND DISADVANTAGES OF
DRAINAGE IMPROVEMENTS ...................................202
TABLE 2.20 – ADVANTAGES AND DISADVANTAGES OF
ELEVATION ..........................................................................203
TABLE 2.21 – ADVANTAGES AND DISADVANTAGES OF FLOOD
INSURANCE ........................................................................203
TABLE 2.22 – PRIORITIZATION OF RECOMMENDED MITIGATION
ACTIONS............................................................................... 206
FIGURES
FIGURE 1.1 – COLLIER COUNTY LOCATION MAP ........................................3
FIGURE 1.2 – COLLIER COUNTY DRAINAGE MAP ......................................4
FIGURE 1.3 – COLLIER COUNTY REPETITIVE LOSS AREAS AND
FLOOD HAZARD AREAS .................................................12
.........................................................................................................14
FIGURE 2.1 – EXAMPLE RLAA PROPERTY NOTIFICATION LETTER
FIGURE 2.2 – RLAA SURVEY, PAGE 1................................................................15
FIGURE 2.3 – RLAA SURVEY, PAGE 2...............................................................16
FIGURE 2.4 – RLAA SURVEY, PAGE 3...............................................................17
FIGURE 2.5 – SUBAREAS IN THE COASTAL AND TIDAL FLOODING
ZONE ......................................................................................... 30
FIGURE 2.6 – SUBAREA 1 REPETITIVE LOSS AREAS AND FEMA
FLOOD ZONES......................................................................34
FIGURE 2.7 – REPETITIVE LOSS AREA 71......................................................35
FIGURE 2.8 – REPETITIVE LOSS AREA 75 ....................................................36
FIGURE 2.9 – REPETITIVE LOSS AREA 76 ....................................................37
FIGURE 2.10 – REPETITIVE LOSS AREA 77 ..................................................38
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15
20
25
30
35
40
45
50
55
60
65
FIGURE 2.11 – REPETITIVE LOSS AREA 78....................................................39
FIGURE 2.12 – REPETITIVE LOSS AREA 79.................................................. 40
FIGURE 2.13 – REPETITIVE LOSS AREA 80 ...................................................41
FIGURE 2.14 – REPETITIVE LOSS AREA 81....................................................42
FIGURE 2. – REPETITIVE LOSS AREA 88 ..................................................43
FIGURE 2.16 – REPETITIVE LOSS AREA 89 ..................................................44
FIGURE 2.17 – REPETITIVE LOSS AREA 90 ..................................................45
FIGURE 2.18 – REPETITIVE LOSS AREA 91 ...................................................46
FIGURE 2.19 – REPETITIVE LOSS AREA 92 ..................................................47
FIGURE 2. – REPETITIVE LOSS AREA 93 .................................................48
FIGURE 2.21 – REPETITIVE LOSS AREA 94...................................................49
FIGURE 2.22 – REPETITIVE LOSS AREA 95................................................. 50
FIGURE 2.23 – REPETITIVE LOSS AREA 96 ..................................................51
FIGURE 2.24 – REPETITIVE LOSS AREA 97..................................................52
FIGURE 2. – REPETITIVE LOSS AREA 98 .................................................53
FIGURE 2.26 – REPETITIVE LOSS AREA 99 .................................................54
FIGURE 2.27 – REPETITIVE LOSS AREA 100 ...............................................55
FIGURE 2.28 – REPETITIVE LOSS AREA 101 ................................................56
FIGURE 2.29 – REPETITIVE LOSS AREA 102 ...............................................57
FIGURE 2. – REPETITIVE LOSS AREA 103 ...............................................58
FIGURE 2.31 – REPETITIVE LOSS AREA 104 ................................................59
FIGURE 2.32 – REPETITIVE LOSS AREA 105 ..............................................60
FIGURE 2.33 – REPETITIVE LOSS AREA 106 ................................................61
FIGURE 2.34 – REPETITIVE LOSS AREA 107................................................62
FIGURE 2. – REPETITIVE LOSS AREA 108 ...............................................63
FIGURE 2.36 – REPETITIVE LOSS AREA 125................................................64
FIGURE 2.37 – REPETITIVE LOSS AREA 126 ................................................65
FIGURE 2.38 – REPETITIVE LOSS AREA 131................................................ 66
FIGURE 2.39 – SUBAREA 2 REPETITIVE LOSS AREAS AND FEMA
FLOOD ZONES.......................................................................71
FIGURE 2. – REPETITIVE LOSS AREA 13 ..................................................72
FIGURE 2.41 – REPETITIVE LOSS AREA 17 ....................................................73
FIGURE 2.42 – REPETITIVE LOSS AREA 19...................................................74
FIGURE 2.43 – REPETITIVE LOSS AREA 20 .................................................75
FIGURE 2.44 – REPETITIVE LOSS AREA 21...................................................76
FIGURE 2. – REPETITIVE LOSS AREA 22..................................................77
FIGURE 2.46 – REPETITIVE LOSS AREA 23..................................................78
FIGURE 2.47 – REPETITIVE LOSS AREA 24 ..................................................79
FIGURE 2.48 – REPETITIVE LOSS AREA 25 ................................................80
FIGURE 2.49 – REPETITIVE LOSS AREA 26 ..................................................81
FIGURE 2. – REPETITIVE LOSS AREA 27 .................................................82
FIGURE 2.51 – REPETITIVE LOSS AREA 28 ..................................................83
FIGURE 2.52 – REPETITIVE LOSS AREA 29..................................................84
FIGURE 2.53 – REPETITIVE LOSS AREA 30 .................................................85
FIGURE 2.54 – REPETITIVE LOSS AREA 31.................................................. 86
FIGURE 2. – REPETITIVE LOSS AREA 32..................................................87
FIGURE 2.56 – REPETITIVE LOSS AREA 33 ................................................ 88
FIGURE 2.57 – REPETITIVE LOSS AREA 34................................................. 89
FIGURE 2.58 – REPETITIVE LOSS AREA 35 ................................................ 90
FIGURE 2.59 – REPETITIVE LOSS AREA 36 ..................................................91
FIGURE 2. – REPETITIVE LOSS AREA 37 .................................................92
FIGURE 2.61 – REPETITIVE LOSS AREA 38 ..................................................93
FIGURE 2.62 – REPETITIVE LOSS AREA 39 .................................................94
FIGURE 2.63 – REPETITIVE LOSS AREA 40 .................................................95
FIGURE 2.64 – REPETITIVE LOSS AREA 41.................................................. 96
FIGURE 2. – REPETITIVE LOSS AREA 42 .................................................97
FIGURE 2.66 – REPETITIVE LOSS AREA 43 ................................................ 98
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70
75
80
85
90
95
100
105
110
115
120
FIGURE 2.67 – REPETITIVE LOSS AREA 44................................................. 99
FIGURE 2.68 – REPETITIVE LOSS AREA 45 ..............................................100
FIGURE 2.69 – REPETITIVE LOSS AREA 46 ................................................101
FIGURE 2. – REPETITIVE LOSS AREA 47 ...............................................102
FIGURE 2.71 – REPETITIVE LOSS AREA 48.................................................103
FIGURE 2.72 – REPETITIVE LOSS AREA 49................................................104
FIGURE 2.73 – REPETITIVE LOSS AREA 50 .............................................. 105
FIGURE 2.74 – REPETITIVE LOSS AREA 51................................................ 106
FIGURE 2. – REPETITIVE LOSS AREA 52................................................107
FIGURE 2.76 – REPETITIVE LOSS AREA 53............................................... 108
FIGURE 2.77 – REPETITIVE LOSS AREA 55............................................... 109
FIGURE 2.78 – REPETITIVE LOSS AREA 56 ................................................110
FIGURE 2.79 – REPETITIVE LOSS AREA 57.................................................. 111
FIGURE 2. – REPETITIVE LOSS AREA 58................................................ 112
FIGURE 2.81 – REPETITIVE LOSS AREA 59 .................................................113
FIGURE 2.82 – REPETITIVE LOSS AREA 60................................................ 114
FIGURE 2.83 – REPETITIVE LOSS AREA 61 .................................................115
FIGURE 2.84 – REPETITIVE LOSS AREA 62 ................................................116
FIGURE 2. – REPETITIVE LOSS AREA 124............................................... 117
FIGURE 2.86 – REPETITIVE LOSS AREA 127...............................................118
FIGURE 2.87 – SUBAREA 3 REPETITIVE LOSS AREAS AND FEMA
FLOOD ZONES..................................................................... 121
FIGURE 2.88 – REPETITIVE LOSS AREA 63 ...............................................122
FIGURE 2.89 – REPETITIVE LOSS AREA 64 ...............................................123
FIGURE 2. – REPETITIVE LOSS AREA 65............................................... 124
FIGURE 2.91 – REPETITIVE LOSS AREA 66 ................................................125
FIGURE 2.92 – REPETITIVE LOSS AREA 67 ...............................................126
FIGURE 2.93 – REPETITIVE LOSS AREA 68 ...............................................127
FIGURE 2.94 – REPETITIVE LOSS AREA 109 .............................................. 131
FIGURE 2. – REPETITIVE LOSS AREA 110 ..............................................132
FIGURE 2.96 – REPETITIVE LOSS AREA 111................................................ 133
FIGURE 2.97 – REPETITIVE LOSS AREA 112 ............................................... 134
FIGURE 2.98 – REPETITIVE LOSS AREA 113...............................................135
FIGURE 2.99 – REPETITIVE LOSS AREA 114...............................................136
FIGURE 2. – REPETITIVE LOSS AREA 115 ............................................137
FIGURE 2.101 – REPETITIVE LOSS AREA 116..............................................138
FIGURE 2.102 – REPETITIVE LOSS AREA 117 .............................................139
FIGURE 2.103 – REPETITIVE LOSS AREA 118.............................................140
FIGURE 2.104 – SUBAREA 5 REPETITIVE LOSS AREAS AND FEMA
FLOOD ZONES.................................................................... 143
FIGURE 2. – REPETITIVE LOSS AREA 1 .................................................144
FIGURE 2.106 – REPETITIVE LOSS AREA 2 ................................................145
FIGURE 2.107 – REPETITIVE LOSS AREA 3 ................................................146
FIGURE 2.108 – REPETITIVE LOSS AREA 4 ................................................ 147
FIGURE 2.109 – REPETITIVE LOSS AREA 5................................................148
FIGURE 2. – REPETITIVE LOSS AREA 6 .................................................149
FIGURE 2.111 – REPETITIVE LOSS AREA 7 .................................................. 150
FIGURE 2.112 – REPETITIVE LOSS AREA 8...................................................151
FIGURE 2.113 – REPETITIVE LOSS AREA 9..................................................152
FIGURE 2.114 – REPETITIVE LOSS AREA 10 ...............................................153
FIGURE 2. – REPETITIVE LOSS AREA 11 .................................................154
FIGURE 2.116 – REPETITIVE LOSS AREA 12 ................................................155
FIGURE 2.117 – SUBAREA 6 REPETITIVE LOSS AREAS AND FEMA
FLOOD ZONES.................................................................... 157
FIGURE 2.118 – REPETITIVE LOSS AREA 119 ..............................................158
FIGURE 2.119 – REPETITIVE LOSS AREA 120.............................................159
FIGURE 2. – REPETITIVE LOSS AREA 121............................................ 160
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FIGURE 2.121 – REPETITIVE LOSS AREA 122 ..............................................161
FIGURE 2.122 – REPETITIVE LOSS AREA 123 ............................................162
FIGURE 2.123 – SUBAREAS IN THE INLAND FLOODING ZONE ....164
FIGURE 2.124 – SUBAREA 7 REPETITIVE LOSS AREAS AND FEMA
FLOOD ZONES....................................................................167
FIGURE 2.125 – REPETITIVE LOSS AREA 69 .............................................168
FIGURE 2.126 – REPETITIVE LOSS AREA 72 ..............................................169
FIGURE 2.127 – REPETITIVE LOSS AREA 73 ..............................................170
FIGURE 2.128 – REPETITIVE LOSS AREA 128 ............................................. 171
FIGURE 2.129 – REPETITIVE LOSS AREA 129 ............................................ 172
FIGURE 2.130 – REPETITIVE LOSS AREA 130 ...........................................173
FIGURE 2.131 – REPETITIVE LOSS AREA 132 ............................................. 174
FIGURE 2.132 – SUBAREA 8 REPETITIVE LOSS AREAS AND FEMA
FLOOD ZONES.................................................................... 177
FIGURE 2.133 – REPETITIVE LOSS AREA 70..............................................178
FIGURE 2.134 – REPETITIVE LOSS AREA 74 ..............................................179
FIGURE 2.135 – REPETITIVE LOSS AREA 82............................................. 180
FIGURE 2.136 – REPETITIVE LOSS AREA 83...............................................181
FIGURE 2.137 – REPETITIVE LOSS AREA 84 ..............................................182
FIGURE 2.138 – REPETITIVE LOSS AREA 85 .............................................183
FIGURE 2.139 – REPETITIVE LOSS AREA 86 .............................................184
FIGURE 2.140 – REPETITIVE LOSS AREA 87 .............................................185
FIGURE 2.141 – SUBAREA 9 REPETITIVE LOSS AREAS AND FEMA
FLOOD ZONES....................................................................188
FIGURE 2.142 – REPETITIVE LOSS AREAS 14 ............................................189
FIGURE 2.143 – REPETITIVE LOSS AREA 15 .............................................. 190
FIGURE 2.144 – REPETITIVE LOSS AREA 16................................................191
FIGURE 2.145 – REPETITIVE LOSS AREA 18...............................................192
FIGURE 2.146 – REPETITIVE LOSS AREA 54..............................................193
FIGURE 2.147 – SUBAREA 10 REPETITIVE LOSS AREAS AND FEMA
FLOOD ZONES....................................................................195
FIGURE 2.148 – REPETITIVE LOSS AREA 133 ............................................196
FIGURE 2.149 – TYPICAL PROPERTY PROTECTION MEASURES .197
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1 REPETITIVE LOSS AREA ANALYSIS
1.1 BACKGROUND
Flooding is the most common natural hazard in the United States. Floods account for nearly 75 percent of all
of the Presidential Disaster Declarations, and more than 22,000 communities experience floods and participate
in the National Flood Insurance Program (NFIP). In the United States, over 8.7 million residential and
commercial structures are currently located in areas at risk to flooding. When flood damage occurs, the cost of
recovery is spread over local, state, and federal governments and the victims themselves, who are directly
affected by these disasters.
The NFIP is continually faced with the challenge of balancing the
financial soundness of the program with the competing expectation
of keeping premiums affordable. Repetitive loss properties are one
of the two largest obstacles to achieving financial soundness of the
NFIP. Since the inception of the NFIP, almost $12.9 billion have
been paid to repetitive loss properties, about one-fourth of all NFIP
payments. While the NFIP has resulted in forty years of successful
floodplain management, and many of these structures are no longer
insured, repetitive loss properties are still a drain on the NFIP.
Currently, repetitive loss properties represent 1.3% of all policies
but are expected to account for 15% to 20% of future losses.
Private insurance companies faced with high losses have several
options to keep turning a profit. They can raise income through premium rate increases, decrease payments to
insurers or reduce the exposure to the hazard. Unfortunately, the NFIP can only do what is allowed by statute.
If losses increase, the Federal Emergency Management Agency (FEMA) is authorized by Congress to make
incremental adjustments to increase the premium rates and reduce overall coverage. FEMA is not permitted to
eliminate coverage for any policy holder including high-risk properties. Actuarial rates cannot be charged to
buildings built before State and local floodplain management regulations went into effect. Since repetitive
flood claims must be paid, FEMA has no choice but to spread these costs among all policyholders.
Sometimes floodplain management regulations mitigate repetitive flood losses when a building is substantially
damaged. A structure where the cost to repair is equal to or exceeds 50 percent of the building’s value is
considered substantially damaged. A substantially damaged building must be brought up to the same flood
protection level as a new building under a community’s floodplain management ordinance. However, many
repetitive loss buildings are not in a regulated floodplain or do not get substantially damaged and remain at
risk to future damage.
Many owners of properties that experience repetitive flooding are not aware of the magnitude of damage they
are exposed to because they either purchased the property after the last flood or the seller or lender did not
disclose the flood hazard. Disclosure of repetitive flooding is a problem because repetitive loss areas are not
shown on Flood Insurance Rate Maps (FIRMs) but instead must be identified and mapped by local
communities.
Collier County (CID-120067) has been a regular participant in the NFIP since September 14, 1979. In addition
to meeting the basic requirements of the NFIP, the County has completed additional components to participate
in the Community Rating System (CRS) program. Collier County is currently a CRS Class 5 which rewards all
policyholders with a 25 percent reduction in their flood insurance premiums. Collier County has been
participating in the CRS program since October 1, 1992.
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As of May 13, 2025, there are currently 54,464 NFIP Polices in f orce in Collier County with insurance
coverage of over $14.6 billion. The County has 7,502 paid losses against the NFIP totaling more than $445.6
million with 944 of those losses being substantial damage claims since 1978.
A repetitive loss property does not have to currently be carrying a flood insurance policy to be considered a
repetitive loss property or a severe repetitive loss property. In some cases, a community will find that
properties on its repetitive loss list are not currently insured. An insured property with claims on that property
will make it a repetitive loss property. Once it is designated as a repetitive loss property, that property remains
as a repetitive loss property from owner to owner; insured policy to no policy; and even after that property has
been mitigated. There are 271 repetitive loss properties in Collier County and 192 of those properties are
currently insured (see Section 1.3 for greater detail).
TERMINOLOGY
Repetitive Loss: Any insurable building for which two or more claims of more than $1,000 were paid
by the NFIP within any rolling 10-year period, since 1978. Two of the claims paid must be more than
10 days apart but, within 10 years of each other. A repetitive loss property may or may not be currently
insured by the NFIP.
Severe Repetitive Loss (SRL): As defined by the Flood Insurance Reform Act of 2004, SRLs are 1-4 family
residences that have had four or more claims of more than $5,000 or at least two claims that
cumulatively ex ceed the building’s value. The Act creates new funding mechanisms to help mitigate
flood damage for these properties.
According to repetitive loss data received from FEMA as of December 11, 2023, there are a total of 253
unmitigated and 18 mitigated repetitive loss properties within unincorporated Collier County. Twenty-two of
these properties are classified as severe repetitive loss, and seventeen severe repetitive loss properties remain
unmitigated. The County has opted to complete this Repetitive Loss Area Analysis (RLAA) as it allows for the
assessment of individual flood-prone properties and will help to identify strategies for mitigation for the most
flood-vulnerable properties in the community. This plan was developed following the requirements in the 2017
CRS Coordinator’s Manual. This RLAA will benefit the County by examining potential mitigation measures
for specific repetitive loss areas and increasing its credit in the CRS Program. This RLAA includes all
repetitive loss areas in Collier County, which include all repetitive loss properties.
1.2 SETTING
Collier County is located in the southwestern Florida, with the Gulf of Mexico to the west and the Everglades
to the East. It is bounded by Hendry County to north, Lee County to the northeast, Broward County to the east,
Miami-Dade County to the southeast, and Monroe County to the South. Nearly all of the southeastern portion
of the County falls within the Big Cypress National Preserve. The northern most portion of the Everglades
National Park extends into the southern coastal part of the county. According to the U.S. Census Bureau,
Collier County has a total area of 2,305 square miles, of which approximately 1,997 square miles is land area,
and 307 square miles is water area. This analysis covers only the unincorporated areas of Collier County.
Collier County has a subtropical climate with mild winters and hot, humid summers, with an average annual
high temperature of 84.7 degrees Fahrenheit and an average annual low temperature of 63.8 degrees
Fahrenheit. Average annual rainfall is approximately 53 inches. The County has a generally flat topography
with rich geographic diversity, from the beaches to the Big Cypress National Preserve, and Everglades
National Park. Much of the County is covered by wetlands and tidal marshes. Figure 1.1 depicts Collier
County’s location as well as major roads. Figure 1.2 depicts the HUC-12 drainage basins that cover the county.
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Figure 1.1 – Collier County Location Map
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Figure 1.2 – Collier County Drainage Map
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1.3 REPETITIVE LOSS REQUIREMENT
Repetitive loss data must be maintained and updated annually in order to participate in the CRS. Since many
of the losses under the NFIP come from repetitively flooded properties, addressing these properties is a priority
for participating in the CRS Program. Depending on the severity of the repetitive loss problem, a CRS
community has different responsibilities.
— Category A: A community with no unmitigated repetitive loss properties. No special requirements from
the CRS.
— Category B: A community with at least one, but fewer than 50, unmitigated repetitive loss properties.
Category B communities are required by the CRS to research and describe their repetitive loss problem,
create a map showing the showing the location of all repetitive loss properties (areas) and complete an
annual outreach activity directed to repetitive loss properties.
— Category C: A community with 50 or more unmitigated repetitive loss properties. Category C
communities are required to do everything in Category B and prepare either a floodplain management plan
that covers all repetitive loss properties (areas) or prepare a RLAA for all repetitive loss areas.
According to data provided by FEMA dated December 11, 2024, Collier County has 253 unmitigated
repetitive loss properties, which means the Town is designated as a Category C repetitive loss community
under FEMA’s Community Rating System (CRS) program. The repetitive loss properties are summarized in
Table 1.1.
Table 1.1 – Summary of Unmitigated Repetitive Loss Properties
Flood
Zone1
Residential Insured Losses Total Building
Payment
Total
Content
Payment
Total Paid
Yes No Yes No
AE X X 2 $4,393.58 $5,790.68 $10,184.26
AE X X 1 $7,084.97 $3,676.00 $10,760.97
AE X X 2 $15,119.73 $0.00 $15,119.73
AE X X 2 $49,075.62 $3,108.17 $52,183.79
AE X X 2 $15,952.69 $0.00 $15,952.69
AE X X 2 $6,981.80 $0.00 $6,981.80
AE X X 2 $11,993.52 $0.00 $11,993.52
X X X 2 $4,779.04 $0.00 $4,779.04
AE X X 2 $10,621.01 $0.00 $10,621.01
AH X X 2 $13,130.94 $972.80 $14,103.74
X X X 2 $6,734.16 $0.00 $6,734.16
AE X X 2 $7,178.61 $0.00 $7,178.61
AE X X 2 $13,623.81 $0.00 $13,623.81
AE X X 2 $1,927.91 $324.58 $2,252.49
AE X X 2 $31,427.06 $29,935.83 $61,362.89
AE X X 2 $4,690.51 $0.00 $4,690.51
AE X X 3 $18,553.80 $43.76 $18,597.56
AE X X 2 $13,190.21 $0.00 $13,190.21
AH X X 2 $115,986.39 $0.00 $115,986.39
X X X 2 $56,214.43 $1,878.54 $58,092.97
AH X X 2 $55,265.68 $0.00 $55,265.68
1 Flood Zone reflects the current Effective FIRM zone for each property according to the 2012 and 2024 FIRMs
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Flood
Zone1
Residential Insured Losses Total Building
Payment
Total
Content
Payment
Total Paid
Yes No Yes No
AH X X 2 $205,720.53 $0.00 $205,720.53
AHB X X 2 $85,862.39 $0.00 $85,862.39
AHB X X 2 $9,253.02 $0.00 $9,253.02
AH X X 2 $63,038.55 $0.00 $63,038.55
AE X X 4 $66,179.61 $296.64 $66,476.25
AH X X 2 $94,564.17 $0.00 $94,564.17
AH X X 2 $87,792.05 $8,190.30 $95,982.35
AE X X 4 $63,560.68 $6,292.28 $69,852.96
AHB X X 2 $18,407.00 $6,967.04 $25,374.04
X X X 2 $28,194.46 $0.00 $28,194.46
AH X X 6 $51,314.60 $14,678.54 $65,993.14
AHB X X 2 $62,904.20 $0.00 $62,904.20
AH X X 2 $35,250.90 $9,724.40 $44,975.30
AHB X X 2 $62,509.02 $11,595.80 $74,104.82
AE X X 2 $160,065.85 $0.00 $160,065.85
AH X X 2 $15,424.99 $0.00 $15,424.99
AE X X 2 $101,933.84 $0.00 $101,933.84
AE X X 2 $185,391.55 $20,000.00 $205,391.55
AHB X X 3 $21,796.00 $0.00 $21,796.00
AH X X 2 $34,507.19 $0.00 $34,507.19
AE X X 2 $37,613.32 $0.00 $37,613.32
AE X X 2 $381,903.21 $58,000.00 $439,903.21
AE X X 2 $91,126.20 $0.00 $91,126.20
AE X X 2 $185,240.68 $0.00 $185,240.68
AE X X 2 $13,212.61 $0.00 $13,212.61
AE X X 2 $116,112.76 $0.00 $116,112.76
AE X X 2 $12,781.43 $0.00 $12,781.43
AE X X 2 $234,776.44 $0.00 $234,776.44
AHB X X 2 $198,010.95 $20,801.04 $218,811.99
AH X X 2 $59,864.86 $0.00 $59,864.86
AE X X 2 $177,429.00 $110,800.00 $288,229.00
AE X X 2 $21,700.00 $31,262.69 $52,962.69
AE X X 3 $150,036.09 $78,770.85 $228,806.94
AE X X 3 $154,284.29 $21,400.00 $175,684.29
AE X X 2 $19,733.65 $2,822.79 $22,556.44
AE X X 2 $44,277.96 $0.00 $44,277.96
AE X X 2 $89,307.15 $0.00 $89,307.15
AE X X 2 $192,119.73 $0.00 $192,119.73
AE X X 2 $74,701.92 $0.00 $74,701.92
AE X X 2 $78,749.86 $0.00 $78,749.86
AE X X 3 $159,513.10 $10,000.00 $169,513.10
AE X X 2 $146,984.21 $14,947.39 $161,931.60
AH X X 2 $8,012.50 $0.00 $8,012.50
AE X X 2 $102,218.55 $0.00 $102,218.55
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Flood
Zone1
Residential Insured Losses Total Building
Payment
Total
Content
Payment
Total Paid
Yes No Yes No
AE X X 2 $1,000,000.00 $77,852.20 $1,077,852.20
AE X X 3 $16,024.92 $0.00 $16,024.92
AE X X 2 $488,711.91 $0.00 $488,711.91
AE X X 4 $180,950.43 $67,976.36 $248,926.79
AE X X 2 $142,662.11 $31,616.07 $174,278.18
AE X X 2 $152,016.86 $39,405.28 $191,422.14
VE X X 2 $584,695.02 $0.00 $584,695.02
AE X X 3 $102,749.15 $0.00 $102,749.15
AE X X 2 $80,737.96 $0.00 $80,737.96
AE X X 2 $54,365.27 $8,132.66 $62,497.93
AE X X 3 $200,281.06 $56,206.27 $256,487.33
AE X X 3 $65,183.87 $14,348.39 $79,532.26
AE X X 2 $192,507.70 $21,964.00 $214,471.70
AE X X 3 $119,807.03 $9,584.27 $129,391.30
AE X X 2 $161,961.27 $80,712.91 $242,674.18
AE X X 2 $5,852.29 $0.00 $5,852.29
AE X X 2 $193,206.15 $47,968.41 $241,174.56
AE X X 2 $12,800.39 $0.00 $12,800.39
AHB X X 2 $10,909.32 $0.00 $10,909.32
AE X X 3 $127,046.59 $6,692.76 $133,739.35
AE X X 2 $220,376.42 $68,632.78 $289,009.20
AE X X 2 $13,459.34 $0.00 $13,459.34
AE X X 3 $34,214.35 $5,019.32 $39,233.67
AE X X 2 $8,287.64 $173.62 $8,461.26
AE X X 2 $25,737.08 $0.00 $25,737.08
AE X X 3 $144,067.52 $17,627.96 $161,695.48
AE X X 2 $12,580.06 $0.00 $12,580.06
AE X X 2 $23,175.75 $1,114.18 $24,289.93
AE X X 2 $112,377.10 $0.00 $112,377.10
AE X X 2 $11,107.03 $2,650.80 $13,757.83
AE X X 2 $184,766.77 $66,557.79 $251,324.56
AE X X 2 $152,567.43 $0.00 $152,567.43
AE X X 3 $0.00 $26,028.63 $26,028.63
AE X X 2 $334,389.54 $65,880.67 $400,270.21
AE X X 2 $11,085.76 $0.00 $11,085.76
AE X X 2 $16,557.66 $0.00 $16,557.66
AE X X 3 $176,224.36 $24,397.05 $200,621.41
AE X X 2 $9,820.44 $940.51 $10,760.95
AE X X 2 $201,027.51 $0.00 $201,027.51
AE X X 2 $95,316.19 $0.00 $95,316.19
AE X X 2 $126,186.99 $16,939.20 $143,126.19
AE X X 3 $87,618.75 $0.00 $87,618.75
AE X X 2 $106,150.70 $0.00 $106,150.70
AE X X 2 $167,935.15 $0.00 $167,935.15
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Flood
Zone1
Residential Insured Losses Total Building
Payment
Total
Content
Payment
Total Paid
Yes No Yes No
AE X X 2 $262,877.46 $53,000.00 $315,877.46
VE X X 2 $126,182.66 $11,603.15 $137,785.81
AE X X 2 $299,925.33 $25,000.00 $324,925.33
AE X X 2 $114,178.47 $4,972.95 $119,151.42
AE X X 2 $122,256.48 $20,500.00 $142,756.48
AE X X 2 $196,306.28 $38,515.81 $234,822.09
AE X X 2 $4,167.69 $184.40 $4,352.09
AE X X 3 $88,569.90 $0.00 $88,569.90
AE X X 2 $48,561.41 $11,689.92 $60,251.33
AE X X 2 $26,390.16 $3,314.04 $29,704.20
AE X X 2 $36,208.36 $0.00 $36,208.36
AE X X 2 $48,335.23 $0.00 $48,335.23
AE X X 2 $9,276.55 $0.00 $9,276.55
AE X X 3 $183,229.69 $8,209.57 $191,439.26
AE X X 2 $143,093.76 $45,777.25 $188,871.01
AE X X 2 $50,012.32 $21,229.51 $71,241.83
AE X X 2 $37,073.20 $13,677.01 $50,750.21
AE X X 3 $42,562.42 $1,047.00 $43,609.42
AE X X 2 $5,642.18 $0.00 $5,642.18
AE X X 2 $204,732.31 $0.00 $204,732.31
AE X X 2 $349,699.22 $0.00 $349,699.22
AE X X 2 $20,910.44 $23,408.92 $44,319.36
AE X X 3 $85,279.65 $11,032.13 $96,311.78
AE X X 2 $89,883.94 $0.00 $89,883.94
AE X X 2 $149,786.54 $146,165.72 $295,952.26
AE X X 2 $119,988.13 $0.00 $119,988.13
AE X X 2 $137,681.10 $0.00 $137,681.10
AE X X 2 $187,722.67 $0.00 $187,722.67
AE X X 2 $160,257.98 $0.00 $160,257.98
AE X X 3 $238,065.84 $15,478.59 $253,544.43
AE X X 3 $84,401.08 $36,362.05 $120,763.13
AE X X 2 $154,708.83 $0.00 $154,708.83
AE X X 2 $91,875.25 $3,000.00 $94,875.25
AE X X 2 $158,707.38 $0.00 $158,707.38
AE X X 2 $317,856.61 $76,400.00 $394,256.61
AE X X 2 $78,118.89 $10,000.00 $88,118.89
AE X X 2 $4,692.46 $0.00 $4,692.46
AE X X 2 $28,979.41 $0.00 $28,979.41
AE X X 2 $111,476.26 $86,874.18 $198,350.44
AE X X 2 $18,761.50 $0.00 $18,761.50
AE X X 2 $168,132.42 $11,981.64 $180,114.06
AE X X 2 $22,924.67 $0.00 $22,924.67
AE X X 2 $23,434.55 $0.00 $23,434.55
AE X X 2 $23,434.55 $0.00 $23,434.55
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Flood
Zone1
Residential Insured Losses Total Building
Payment
Total
Content
Payment
Total Paid
Yes No Yes No
AE X X 2 $18,579.40 $0.00 $18,579.40
AE X X 2 $18,579.40 $0.00 $18,579.40
AE X X 2 $23,010.95 $0.00 $23,010.95
AE X X 2 $139,699.16 $51,819.90 $191,519.06
AE X X 2 $74,851.15 $14,214.48 $89,065.63
AE X X 2 $22,924.67 $0.00 $22,924.67
AE X X 2 $23,367.05 $0.00 $23,367.05
AE X X 2 $28,133.90 $0.00 $28,133.90
AE X X 2 $23,570.75 $0.00 $23,570.75
AE X X 2 $123,084.30 $0.00 $123,084.30
AE X X 3 $44,816.87 $2,421.52 $47,238.39
AE X X 2 $22,961.51 $0.00 $22,961.51
AE X X 2 $22,924.67 $0.00 $22,924.67
AE X X 3 $100,069.05 $27,044.40 $127,113.45
AE X X 2 $23,434.55 $0.00 $23,434.55
AE X X 2 $22,927.87 $0.00 $22,927.87
AE X X 2 $22,958.31 $0.00 $22,958.31
AE X X 2 $23,434.55 $0.00 $23,434.55
AE X X 2 $22,924.73 $0.00 $22,924.73
AE X X 2 $23,434.55 $0.00 $23,434.55
AE X X 2 $18,582.76 $0.00 $18,582.76
AE X X 2 $23,103.11 $0.00 $23,103.11
AE X X 2 $73,938.24 $5,203.34 $79,141.58
AE X X 2 $18,579.40 $0.00 $18,579.40
AE X X 2 $118,435.92 $0.00 $118,435.92
AE X X 3 $120,021.08 $2,661.12 $122,682.20
AE X X 2 $133,513.08 $0.00 $133,513.08
AE X X 2 $39,135.56 $0.00 $39,135.56
AE X X 3 $203,164.74 $3,882.03 $207,046.77
AE X X 2 $115,766.58 $25,880.22 $141,646.80
AE X X 2 $41,891.99 $0.00 $41,891.99
AE X X 2 $709,797.91 $0.00 $709,797.91
AE X X 2 $79,480.24 $18,292.38 $97,772.62
AE X X 2 $15,710.46 $3,898.69 $19,609.15
AE X X 2 $18,399.69 $0.00 $18,399.69
AHB X X 3 $116,522.22 $12,378.02 $128,900.24
AE X X 2 $137,847.33 $55,000.00 $192,847.33
AE X X 2 $67,822.92 $0.00 $67,822.92
AH X X 2 $31,732.49 $8,166.22 $39,898.71
AE X X 2 $15,097.93 $5,455.79 $20,553.72
AE X X 2 $42,326.65 $15,070.71 $57,397.36
AE X X 2 $74,144.28 $7,594.98 $81,739.26
AE X X 2 $157,150.24 $10,757.67 $167,907.91
AE X X 3 $20,633.95 $5,180.94 $25,814.89
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Flood
Zone1
Residential Insured Losses Total Building
Payment
Total
Content
Payment
Total Paid
Yes No Yes No
AE X X 2 $231,428.60 $0.00 $231,428.60
AE X X 3 $598,157.64 $0.00 $598,157.64
AH X X 2 $33,753.33 $3,062.90 $36,816.23
AE X X 2 $80,886.17 $0.00 $80,886.17
AE X X 3 $271,977.57 $0.00 $271,977.57
AE X X 2 $69,332.50 $0.00 $69,332.50
AE X X 2 $51,301.72 $6,877.95 $58,179.67
AE X X 2 $124,642.95 $74,800.00 $199,442.95
AE X X 2 $55,643.71 $0.00 $55,643.71
AE X X 2 $15,609.51 $550.12 $16,159.63
AE X X 2 $922,758.67 $0.00 $922,758.67
AHB X X 2 $7,231.77 $2,144.37 $9,376.14
AH X X 2 $49,169.92 $3,818.46 $52,988.38
AE X X 2 $113,099.13 $11,942.52 $125,041.65
AH X X 2 $124,406.48 $0.00 $124,406.48
AE X X 2 $402,700.01 $3,991.24 $406,691.25
AE X X 2 $6,551.81 $943.23 $7,495.04
AE X X 2 $12,790.86 $46.01 $12,836.87
AE X X 2 $1,557,176.96 $0.00 $1,557,176.96
AE X X 2 $13,298.38 $387.71 $13,686.09
AE X X 2 $160,678.29 $0.00 $160,678.29
AE X X 4 $35,273.72 $6,296.55 $41,570.27
AE X X 4 $232,279.00 $291.34 $232,570.34
AE X X 2 $46,965.74 $5,000.00 $51,965.74
AE X X 2 $188,378.86 $0.00 $188,378.86
AE X X 4 $258,962.15 $34,245.81 $293,207.96
VE X X 2 $341,836.14 $0.00 $341,836.14
AE X X 3 $112,659.52 $27,243.20 $139,902.72
AE X X 3 $207,403.02 $0.00 $207,403.02
AE X X 3 $112,992.91 $11,745.28 $124,738.19
AE X X 2 $427,861.05 $17,543.87 $445,404.92
AE X X 3 $114,375.32 $1,503.92 $115,879.24
AE X X 3 $59,241.64 $0.00 $59,241.64
AE X X 2 $97,718.54 $0.00 $97,718.54
AE X X 3 $123,926.20 $0.00 $123,926.20
AE X X 3 $156,571.70 $0.00 $156,571.70
AE X X 2 $28,301.44 $0.00 $28,301.44
AE X X 2 $30,721.50 $23,075.76 $53,797.26
VE X X 2 $84,333.57 $0.00 $84,333.57
VE X X 4 $689,012.78 $250,412.18 $939,424.96
VE X X 2 $103,772.49 $0.00 $103,772.49
AHB X X 2 $38,982.28 $0.00 $38,982.28
AE X X 2 $16,151.48 $2,022.99 $18,174.47
AE X X 2 $153,897.80 $0.00 $153,897.80
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Flood
Zone1
Residential Insured Losses Total Building
Payment
Total
Content
Payment
Total Paid
Yes No Yes No
AE X X 2 $365,990.74 $58,636.98 $424,627.72
AE X X 2 $190,684.23 $0.00 $190,684.23
AE X X 2 $299,033.15 $0.00 $299,033.15
AHB X X 2 $61,722.33 $0.00 $61,722.33
AE X X 2 $178,873.60 $57,900.00 $236,773.60
AE X X 2 $214,970.14 $29,396.86 $244,367.00
AE X X 2 $30,244.05 $0.00 $30,244.05
AE X X 3 $46,085.54 $735.89 $46,821.43
AE X X 2 $17,589.78 $0.00 $17,589.78
AE X X 2 $139,620.12 $4,359.68 $143,979.80
AE X X 3 $146,197.47 $34,045.72 $180,243.19
AE X X 4 $153,824.40 $23,621.11 $177,445.51
TOTAL 227 26 220 33 564 $29,338,703.15 $2.881.690.11 $32,220,393.26
Source: NFIP Repetitive Loss Data, 12/11/2024
1Flood Zone reflects the current Effective FIRM zone for each property according to the 2012 and 2024 FIRMs.
1.4 MAPPING REPETITIVE LOSS AREAS
One hundred and thirty-three Repetitive Loss Areas were identified within Collier County in accordance with
the principles outlined in the CRS guidance titled Mapping Repetitive Loss Areas dated October 2015. The
133 Repetitive Loss Areas included the 253 unmitigated repetitive loss properties and 622 properties that have
the same or similar flood conditions but have not had any claims paid against the NFIP. Therefore, a total of
875 properties were included within the RLAA. Note that this count of properties reflects structures in
repetitive loss areas. Several structures included multiple units, some of which were evaluated independently
during building data collection if building characteristics varied by unit; therefore, data was collected on 937
properties.
A detailed map of each Repetitive Loss Area is provided in Section 2. An overview map of the Collier County
Repetitive Loss Areas relative to flood hazard areas is shown in Figure 1.3.
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Figure 1.3 – Collier County Repetitive Loss Areas and Flood Hazard Areas
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2 THE RLAA PROCESS
This RLAA was developed according to requirements and recommendations from the following guidance
documents:
1 CRS publication CRS Coordinator’s Manual, 2017, Activity 510 Repetitive Loss Area Analysis
2 FEMA publication Reducing Damage from Localized Flooding: A Guide for Communities, Part III
Chapter 7
3 CRS publication Mapping Repetitive Loss Areas dated August 15, 2008
4 Center for Hazards Assessment Response and Technology, University of New Orleans draft publication
The Guidebook to Conducting Repetitive Loss Area Analyses
Most specifically, this RLAA included all five planning steps included in the 2017 CRS Coordinator’s
Manual :
Step 1: Advise all the properties in the repetitive loss areas that the analysis will be conducted and request
their input on the hazard and recommended actions.
Step 2: Contact agencies or organizations that may have plans or studies that could affect the cause or impacts
of the flooding. The agencies and organizations must be identified in the analysis report.
Step 3: Visit each building in the repetitive loss area and collect basic data.
Step 4: Review alternative approaches and determine whether any property protection measures or drainage
improvements are feasible.
Step 5 Document the findings. A separate analysis report must be prepared for each area.
Beyond these five planning steps, additional credit criteria for Activity 510 were also met. The repetitive loss
areas were delineated in accordance with the criteria in Section 503 of the CRS Coordinator’s Manual and
areas were mapped as described in Section 503.a. The RLAA report will be submitted to the Board of County
Commissioners and made available to the public. The RLAA will be formally adopted by the Board of County
Commissioners or a delegated office. Moving forward, the County will prepare an annual progress report to
the RLAA and will update the RLAA in time for each CRS cycle verification visit.
2.1 STEP 1. ADVISE ALL PROPERTY OWNERS
Before field work began on the RLAA, individual letters were mailed to all property owners/residents within
the 133 identified Repetitive Loss Areas on March 4, 2025.
Figure 2.1 on the following page shows an example of the property owner notification letter. Letters were
mailed to all properties, including the repetitive loss properties, historic claims properties, and the additional
properties with similar flooding conditions but which have no claims paid against the NFIP. Copies of all
mailed letters are maintained on file with the Collier County Department of Growth Management. In
accordance with the Privacy Act of 1974, the letters will not be shared with the general public.
2.1.1 MAILED QUESTIONNAIRE
A property owner questionnaire was included with each letter mailed to building owners (Figure 2.2 and
Figure 2.3). The questionnaire asks about the type of foundation and if the building has a basement, has
experienced any flooding, and the type of flooding, cause of flooding, flood protection measures and whether
the owner has flood insurance. Property owners were given the option of mailing back their response or filling
out the survey via QR code.
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Figure 2.1 – Example RLAA Property Notification Letter
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Figure 2.2 – RLAA Survey, Page 1
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Figure 2.3 – RLAA Survey, Page 2
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Figure 2.4 – RLAA Survey, Page 3
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Collier County received 80 responses to the questionnaire which corresponds to a response rate of
approximately six percent. The questionnaire responses are summarized below. Note: Respondents may have
skipped questions and/or provided more than one response to a question.
Q1. How many years have you occupied the building at this address?
Answer Choices Percentage Number Responding
Less than 1 3.8% 3
1-5 21.5% 17
5-10 16.5% 13
10+ 58.2% 46
Total 100.0 79
Q2: Do you rent or own this building?
Answer Choices Percentage Number Responding
Rent 0.0% 0
Own 100.0% 78
Total 100.0 78
Q3: What type of foundation does the building have?
Answer Choices Percentage Number Responding
Slab 71.1% 54
Crawl Space 5.3% 4
Basement 3.9% 3
Other 19.7% 15
Total 100.0 76
If other: stilts, pilings, columns, blocks
Q4: Has this building or property ever been flooded or had a water problem?
Answer Choices Percentage Number Responding
Yes 81.0% 64
No 19.0% 15
Total 100.0 79
Q5: In what year(s) did it flood?
Among the 64 respondents who reported experiencing flooding, the years most frequently cited for such
occurrences were 2017 (19), 2022 (33), and 2024 (31). Respondents could choose multiple years.
Q6: Where did you get water and how deep did it get?*
Answer Choices Percentage Number Responding
In basement 20.3% 13
In crawl space 6.3% 4
Over 1st floor 65.6% 42
In yard only 18.8% 12
Water was kept out of house by sandbagging,
sewer valve, or other protective measure 4.7% 3
Total 64
*Please note that respondents could select multiple answer choices. Therefore, the percentage represents the number
of times an answer choice was included in a response. There are more answer choices selected than total responses.
Respondents reported depth of water that ranged from 2 inches to 12 ft.
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Q5: What was the longest time that water stayed in house/building?
The duration of water presence inside or beneath homes varies, ranging from a few hours to a week. A few
hours to a few days were the most common responses.
Q8: What do you feel was the cause of your flooding? Check all that affect your building.*
Answer Choices Percentage Number Responding
Storm sewer backup 18.8% 12
Sanitary sewer backup 7.8% 5
Standing water next to house/building 14.1% 9
Drainage from nearby properties 32.8% 21
Saturated ground / leaks in basement walls 14.1% 9
Storm surge or tidal flooding 87.5% 56
Other: 10.9% 7
Total 64
*Please note that respondents could select multiple answer choices. Therefore, the percentage represents the number
of times an answer choice was included in a response. There are more answer choices selected than total responses.
If other:
— Neighboring lot has damaged seawall
— Drainage ditch (canal?) next to property location
— Mismanagement of weir system, flood gates were left open during high tide. Flooding in this area had
never occurred before
— Water release from weirs and buildup of silt in canals
— High tide from Henderson Creek, floods during heavy rainstorms
— Road/sewer/drainage work in Naples Park
— Road/sewer/drainage work in Naples Park
Q9: What flood protection measures have you installed on the property?*
Answer Choices Percentage Number Responding
Sump pump 6% 3
Waterproofed the outside walls 16% 8
Re-graded yard to keep water away 10% 5
Moved things out of basement 22% 11
Backup power system / generator 10% 5
Sandbagged 42% 21
Other 38% 19
Total 50
*Please note that respondents could select multiple answer choices. Therefore, the percentage represents the number
of times an answer choice was included in a response. There are more answer choices selected than total responses.
If other:
— All measures for the building were handled by the HOA
— Yard small drainage system
— Drainage tile w/catch basins going to sump basins
— Built originally higher
— Home made flood panels
— Have replaced ductwork under home 3 times, last time used different system. Metal ductwork coated with
closed cell foam. Underside of mobile home also coated with closed cell foam
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— Breakaway walls/basement, raised pool/spa equipment, remove all outside pool/accessory items, furniture,
etc.
— French drains
— Tar tape around doors
— Installation of flood panels, taped and sealed doors, construction of elevated home
— Waterproofed the lower half of the interior walls with Enduro Walls (PVC) in the bottom floor and
stairway
— I put waterproof tape & plastic over doors & windows
— Rugs by lanai doors
— Movement of properties to higher level upstairs
— Home is elevated
— French drains
Q10: Did any of the measures checked in question 9 work? If so, which ones? If not, do you know why
they did not work?
A sample of responses are provided below:
— “No, nothing worked. Too much water and pressure to keep out. Had the house sealed with spray foam
and water come in from under the foundation, eventually came in everywhere."
— “Elevated generator worked great; we no longer store anything in the basement area.”
— “Worked really well until 2024 -11.5" of rain at the beginning of season, land was saturated -so we also
use flexseal flood putty & tape to keep water out of garage and back door.”
— “Water dams (quick dams) prevented entry into shed area. The new duct work system ($23,000) unknown
until next flooding event. Water has never entered home. All claim have been for replacement of duct
work.”
— “We attempted to wrap any remaining appliances in visqueen. That did not work, they floated and tipped
in 18" of water.”
— “Water surge was too strong and penetrated the building.”
Q11: Is the building located in a Federal Emergency Management Agency (FEMA) floodplain?
Answer Choices Percentage Number Responding
Yes 73.7% 56
No 2.6% 2
I don’t know 25.0% 19
Total 100.0 76
Q12: Do you have FEMA Flood Insurance?
Answer Choices Percentage Number Responding
Yes 65.8% 50
No 31.6% 24
I don’t know 2.6% 2
Total 100.0 76
Q12: Do you want information on protecting your home/building from flooding?
Answer Choices Percentage Number Responding
Yes 69.4% 50
No 30.6% 22
Total 100.0 72
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Q13: Please include any additional information and comments you may have about flooding in your
area:
A sample of responses are provided below:
— “Everyone in the neighborhood seems to believe that excess water, released from inland, contributes
greatly to the flooding. River needs to be dredged, and water releases need to be more closely regulated.
Our neighborhood is overwhelmed by water drainage from inland waters.”
— “If our canals were dug out I'm sure the water would have a place to drain out faster. Wilma, brought a lot
of wind with her, and more has came with each storm there after, dredging canals would help immensely.”
— "There is a sewer drain (storm drain) in the front yard of my home that was installed by Collier County.
After it rains, the sewer drain regularly backs up causing standing water in my front yard & the street
(Guava Drive). Even during the brief summer storms that we get frequently, we can have a foot or so of
standing water in the street overnight, because the water will not drain.
— “When there is a hurricane, then the sewer drain completely stops working. This results in flooding of
homes nearby and Guava Drive. Additionally, the water covering Guava Drive makes the road extremely
difficult to travel by car around the time of a hurricane.”
— "The development around West Wind has definitely impacted the efficacy of our drainage ditch r. e.
Reflection Lakes, Naples Reserve, Royal Acres. The widening of US 41 and the county not clearing out
access points to main culvert along 41 has also had an impact. Since these events I have had to file for 3
claims and invest more than $30,000 of my own money, in addition to flood insurance payouts.”
— My community (West Wind Estates) has spent considerable funds to clean and clear the water ditch
(canal) in an attempt to help alleviate the flooding issues."
— “Storm drains ends at Terrace Ave Shadow north of that point has no drains”
— “We need sewers and water drainage system on the roads”
— “I have been here 15 years & never have flooded to the extent this neighborhood floods now. .Storm surge
is horrific -I believe some of this was caused by the new golf course put in on Wiggins Pass Road.”
— House built in 1968. No floods until Hurricane Irma in 2017 (49 yrs). Then 2021 during Hurricane Ian
then in 2024 with back to back Hurricanes Helene & Milton. Yard & street flood when it rains, sewer
drains back up at 4 corners of street and road (Smugglers Cove) is damaged.
RESPONSE TRENDS & TAKEAWAYS
The following trends in survey responses should be considered when evaluating mitigation measures:
• Most respondents have owned their residences for 10 or more years, so they have a good
understanding of flood problems and any changes in runoff. Most homes are slab on grade.
• Almost 70 percent of respondents do want information from the County for protecting their
home/building from flooding.
• Approximately 65 percent of the respondents do currently have FEMA flood insurance; however, 25
percent of respondents did not know if their home is in a floodplain.
• Of those residents who have installed flood protection measures, approximately half (of those
responding to the question) reported failure or issues with their flood protection measures. Those who
reported positive outcomes mentioned drainage systems, sandbagging, elevation, and moving items
upstairs as effective.
• Most respondents cited storm surge or tidal flooding (87.5%) as one of the causes of their flooding.
This was followed by drainage from nearby properties (32.8%) and storm sewer backup (18.8%).
• Most flooding has been over the first floor of homes (65.6%).
• Several survey respondents mentioned the need for improvements to the sewer drainage system.
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2.2 STEP 2. CONTACT AGENCIES AND ORGANIZATIONS
Collier County contacted external agencies and internal departments that have plans or studies that could affect
the cause or impacts of flooding within the identified repetitive loss areas. The data collected was used to
analyze the problems further and to help identify potential solutions and mitigation measures for property
owners. Those agencies, reports and associated data which were analyzed and reviewed included:
— Federal Emergency Management Agency, Collier County, Florida and Incorporated Areas Flood Insurance
Study, 2024
— Federal Emergency Management Agency (Repetitive Loss Data: 12-11-2023 & Flood Insurance Data: 5-
13-2025
— Collier County Capital Improvement Plan
— Collier County Growth Management Plan, 2022
— Collier County Multi-Jurisdictional Local Mitigation Strategy, 2025
— Collier County Code of Ordinances
— Land Development Code
— Floodplain Management Ordinance
— Stormwater Utility Ordinance
— Collier County Growth Management – Community Planning & Resiliency Division
2.2.1 SUMMARY OF STUDIES AND REPORTS
2.2.1.1 FEMA FLOOD INSURANCE STUDY
FEMA most recent FIS for Collier County, FL is dated February 8, 2024. The FIS revises and updates
information on the existence and severity of flood hazards within the County. The FIS also includes revised
digital Flood Insurance Rate Maps (FIRMs) which reflect updated Special Flood Hazard Areas (SFHAs) and
flood zones for the County.
2.2.1.2 FLOOD INSURANCE CLAIMS DATA
The Privacy Act of 1974 (5 U.S.C. 522a) restricts the release of flood insurance policy and claims data
to the public. This information can only be released to state and local governments for the use in floodplain
management related activities. Therefore, all claims data in this report are only discussed in general terms.
2.2.1.3 CAPITAL IMPROVEMENT PLAN
Preparation of the Collier County annual budget includes the preparation of a long-range Capital Improvement
Program (CIP). This planning document is a five-year outlook for anticipated capital projects designed to
facilitate decision makers in the replacement of capital assets. The projects are primarily related to
improvement in roads and drainage, parks and recreation, public utilities and facilities. The Collier County
Capital Improvement Plan (CIP) prioritizes funding for infrastructure projects that enhance hazard resilience.
2.2.1.4 COLLIER COUNTY GROWTH MANAGEMENT PLAN
Collier County’s Growth Management Plan (GMP) establishes the vision, framework, and policies for future
growth in Collier County, while maintaining compliance with the legislative requirements of the state of
Florida. The GMP was last updated on April 22, 2022). The GMP includes several elements outlining the
community’s priorities including capital improvement, conservation and coastal management, economic,
future land use, etc. Specifically, the plan limits density within Coastal High Hazard Areas (CHHAs).
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2.2.1.5 COLLIER COUNTY MULTI-JURISDICTIONAL LOCAL MITIGATION STRATEGY,
2025
The primary reason for developing a Local Mitigation Strategy (LMS) is to reduce a community’s exposure to
natural hazards by taking proactive, pre-disaster planning steps to limit development in hazard sensitive areas,
particularly floodplain or flood hazard areas. The second reason is to comply with the hazard mitigation
planning requirements established by the Federal Emergency Management Agency (FEMA) and implemented
through the Florida Division of Emergency Management. The Collier County LMS includes a number of
recommendations for flood mitigation including acquisition of repetitive loss properties, elevation of repetitive
loss properties, and conservation of wetlands.
2.2.1.6 COLLIER COUNTY FLOODPLAIN MANAGEMENT PLAN, 2015
The County’s Floodplain Management Plan documents the County’s flood hazard mitigation planning process
and identifies relevant flood hazards and vulnerabilities as well as strategies the County will use to decrease
vulnerability and increase resiliency and sustainability. The Plan examines flood occurrences, both coastal and
inland; localized flooding areas identified by the County; coastal and stream bank erosion; flooding associated
with sea level rise and climate change; and flooding associated with hurricane and tropical storm rain and
storm surge.
2.3 STEP 3. BUILDING DATA COLLECTION
The on-site field survey for this analysis was conducted between February 25, 2025 and March 3, 2025. The
National Tool Limited View was not utilized in this effort, but most of the information required by the
National Tool was incorporated into a mobile application survey. The data collection forms generated by the
mobile application are included in Appendix A. (Note: In accordance with the Privacy Act of 1974,
Appendix A will not be shared with the general public).
In addition, multiple site photos were taken of each structure on the property. Photos were also taken of current
drainage features and mitigation and floodproofing measures if evident from street or parking lot views. The
following information was recorded for each property:
— Existing mitigation observed
— Type and condition of the structure and foundation
— Number of stories
— Height above street grade and height above site grade
— Presence and type of appurtenant structures
— Likely areas and severity of damage on property
— Presence of any HVAC units that would be vulnerable
Data was also gathered, when possible, through conversations with property owners and/or residents. These
conversations provided detail on the extent of flooding, potential causes of flooding, and recollections from
past flood events, which help to better understand flooding issues for these areas.
Data was also incorporated from off-site research, including a review of FEMA Flood Insurance Rate Maps,
and the location of the Repetitive Loss Areas in relation to FEMA flood zones.
Table 2.1 on the following page details the percentage of each repetitive loss area that falls within the 1%-
annual-chance, 0.2%-annual-chance, or Unshaded Zone X flood zone.
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Table 2.1 – Repetitive Loss Area Percentage of Acreage by Flood Zone
PERCENTAGE OF AREA
ZONE X
ZONE AE ZONE AH ZONE VE SHADED
REPETITIVE TOTAL 1%-ANNUAL-1%-ANNUAL-1%-ANNUAL-0.2%-ANNUAL-ZONE X
LOSS AREA ACREAGE CHANCE CHANCE CHANCE CHANCE UNSHADED
1 5.43 90.7 9.3
2 1.92 96.1 3.9
3 0.76 100.0 0.0
4 0.60 97.3 2.7
5 5.62 91.8 8.2
6 4.02 100.0
7 0.17 100.0
8 1.07 100.0
9 1.15 98.7 1.3
10 0.57 78.9 21.1
11 0.35 100.0
12 0.92 100.0
13 0.80 100.0
14 2.59 100.0
15 0.36 100.0
16 0.55 96.3 3.7
17 3.13 100.0
18 1.11 100.0
19 14.68 100.0
20 0.97 100.0
21 2.18 100.0
22 1.23 100.0
23 0.88 100.0
24 8.89 100.0
25 0.46 100.0
26 1.31 100.0
27 3.00 100.0
28 0.84 100.0
29 3.03 100.0
30 0.49 100.0
31 1.05 100.0
32 0.81 100.0
33 0.64 100.0
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35
40
45
50
55
60
65
PERCENTAGE OF AREA
ZONE X
ZONE AE ZONE AH ZONE VE SHADED
REPETITIVE TOTAL 1%-ANNUAL-1%-ANNUAL-1%-ANNUAL-0.2%-ANNUAL-ZONE X
LOSS AREA ACREAGE CHANCE CHANCE CHANCE CHANCE UNSHADED
34 0.57 100.0
0.80 100.0
36 1.88 100.0
37 0.65 100.0
38 2.63 100.0
39 0.50 100.0
0.44 100.0
41 1.41 100.0
42 0.67 100.0
43 3.16 100.0
44 0.49 100.0
0.42 100.0
46 1.10 100.0
47 0.99 100.0
48 0.68 100.0
49 2.48 100.0
0.62 100.0
51 0.65 100.0
52 0.93 100.0
53 0.45 100.0
54 0.94 100.0
0.55 100.0
56 0.73 100.0
57 0.69 100.0
58 7.27 100.0
59 3.06 100.0
1.35 100.0
61 0.52 100.0
62 0.48 100.0
63 0.38 100.0
64 0.30 100.0
0.52 100.0
66 3.74 100.0
67 0.39 100.0
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70
75
80
85
90
95
100
PERCENTAGE OF AREA
ZONE X
ZONE AE ZONE AH ZONE VE SHADED
REPETITIVE TOTAL 1%-ANNUAL-1%-ANNUAL-1%-ANNUAL-0.2%-ANNUAL-ZONE X
LOSS AREA ACREAGE CHANCE CHANCE CHANCE CHANCE UNSHADED
68 0.21 100.0
69 3.41 100.0
2.70 39.5 24.7 35.8
71 0.56 100.0
72 1.79 100.0
73 0.69 45.0 55.0
74 3.26 5.5 11.4 83.1
33.61 100.0
76 7.29 90.9 1.6 7.6
77 0.57 100.0
78 0.72 100.0
79 1.24 100.0
0.95 98.5 1.5
81 1.23 46.1 37.8 16.1
82 6.59 63.3 23.0 13.7
83 12.17 100.0
84 16.00 99.9 0.1
0.69 12.0 88.0
86 5.00 97.1 2.9
87 1.19 93.2 6.8
88 10.46 57.3 42.7
89 3.27 59.5 40.5
0.65 100.0
91 0.66 100.0
92 2.01 100.0
93 6.78 77.6 22.4
94 1.51 100.0
15.06 83.6 7.0 9.3
96 0.64 88.4 11.6
97 0.82 12.7 87.3
98 5.55 100.0
99 0.53 100.0
0.57 50.3 49.7
101 18.61 98.4 1.6
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130
105
110
115
120
125
PERCENTAGE OF AREA
ZONE X
ZONE AE ZONE AH ZONE VE SHADED
REPETITIVE TOTAL 1%-ANNUAL-1%-ANNUAL-1%-ANNUAL-0.2%-ANNUAL-ZONE X
LOSS AREA ACREAGE CHANCE CHANCE CHANCE CHANCE UNSHADED
102 1.24 100.0
103 0.46 100.0
104 0.46 100.0
0.48 100.0
106 5.66 40.4 0.1 59.5
107 0.86 100.0
108 1.59 100.0
109 7.83 87.6 0.3 12.1
2.37 100.0
111 2.54 100.0
112 2.31 100.0
113 0.55 100.0
114 1.12 100.0
0.91 100.0
116 1.21 100.0
117 0.68 100.0
118 1.21 100.0
119 0.68 100.0
0.98 100.0
121 0.79 100.0
122 1.24 29.6 70.4
123 0.44 100.0
124 4.70 100.0 0.0
0.94 100.0
126 4.17 77.8 0.8 21.4
127 0.98 100.0
128 1.97 100.0
129 2.45 85.9 14.1
0.76 100.0
131 0.63 100.0
132 1.13 37.4 45.8
133 0.59 100.0
Source: 05/16/2021 and 02/08/2014 FIRM
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2.3.1 COASTAL/TIDAL FLOODING ZONE
PROBLEM STATEMENT
The Coastal Zone in Collier County is primarily vulnerable to coastal, tidal flooding, storm surge, and flooding
from heavy rains associated with tropical storms and hurricanes. Areas within this zone are in close proximity
to the Gulf of Mexico. Properties within this zone may border the Gulf or other water bodies, including
lagoons, bays, ponds, and canals. While the primary flood source in these areas is coastal or tidal flooding,
some flooding in these repetitive loss areas is also considered flash flooding. Flash flooding can occur when
the capacity of the stormwater system is exceeded or if conveyance is obstructed by debris, sediment and other
materials that limit the volume of drainage. Tidal influences can also exacerbate flash flooding in Collier
County when heavy rains fall during a high tide, which prevents the stormwater infrastructure from draining
floodwaters.
Past flood insurance claims for repetitive loss properties in this zone have been tied to Tropical Storm Jerry
(1995), Tropical Storm Gabrielle (2001), Hurricane Harvey (1999), Tropical storm Gabrielle (2001), Hurricane
Charley (2004), Hurricane Wilma (2005), Hurricane Irma (2017), Hurricane Ian (2022), Hurricane Idalia
(2023), and a more localized heavy rain events over the past few decades. Some of these events are
summarized below from National Weather Service and NOAA event narratives:
August 1995 – Tropical storm Jerry was a minimal tropical storm that brought heavy rains into Florida.
September 1999 -Tropical storm Harvey formed in the eastern Gulf of Mexico on September 19 and after
moving toward west central Florida turned southeast and moved across the south Florida peninsula on
September 21. As Harvey moved across south Florida it became poorly organized and exhibited
characteristics of a frontal wave. Total damage from Harvey in south Florida is estimated at $350 thousand,
mainly in Collier County. Rainfall amounts were heaviest in Collier County with several reports of 10 inches
in the Naples-Marco Island area which caused serious street flooding, but property damage was minimal. Rain
estimates in mainland Monroe County were 6 to 10 inches. Rainfall in other areas of south Florida was 1 to 3
inches. The maximum storm surge was estimated at 1 to 2 feet along the southwest Florida coast causing
minor flooding at Everglades City and minor beach erosion in Collier and mainland Monroe counties. Two
brief tornadoes touched down, one tearing the roof off of a residence in the Naples area .
September 2001 -Tropical storm Gabrielle formed in the eastern Gulf of Mexico from a trough of low
pressure that had lingered over Florida since September 8. Gabrielle moved east northeast at 7 to 12 mph with
the center crossing the Florida west coast near Venice at noon on September 14. The minimum central pressure
in Collier County was 999.4 mb at Naples. Maximum winds in Collier County were at Everglades City with
sustained winds of 44 knots and peak gusts of 61 knots. Storm surge values of 3 to 5 feet were observed along
much of the Collier County coast which caused some coastal flooding and minor to moderate beach erosion.
The estimate to repair the beach erosion is $3 million. Flooding by rainfall of 2 to 5 inches along with the
storm surge damaged 60 to 70 residences and 12,500 customers lost electrical power.
August 2004 -On August 12, Hurricane Charley, after moving through the northwest Caribbean Sea, turned
north and accelerated cross the western end of Cuba, and just west of the lower Florida Keys. Early on August
13, the hurricane intensified to Category 4 status and turned to a north-northeast direction before making
landfall near Port Charlotte around 3 PM EDT. In Collier County, a peak wind gust of 84 mph was measured
at 2:50 PM EDT on the top of a condominium at Vanderbilt Beach before the equipment failed. The Naples
ASOS equipment failed well before the maximum winds or minimum pressure occurred. Wind gusts at La
Belle were estimated at 80 mph. Rainfall in most locations in Collier County was around two inches with an
unofficial amount of 7.5 inches reported in North Naples. Radar rainfall estimates of locally 8 to 10 inches
were made in North Naples. Flooding was mostly minimal. Four persons in Naples suffered minor injuries
when their vehicle was touched by a downed power line during the storm. Three persons in Collier County
died from indirect causes after the hurricane. An estimated 130,000 customers in Collier County lost power.
About 2,500 people took refuge in six shelters.
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October 2005 – Hurricane Wilma made landfall as a category 3 storm shortly before 7 AM Monday, October
24th on the southwest Florida coast between Everglades City and Cape. The eye covered large portions of
South Florida, including the eastern two-thirds of Collier County. Rainfall amounts across South Florida
generally ranged from 2 to 4 inches across southern sections of the peninsula to 4 to 6 inches across western
Collier County. A storm surge of around 8 feet was estimated in Marco Island, with 4 feet in Everglades City.
September 2017 -Major Hurricane Irma made landfall in Southwest Florida on Marco Island as a Category 3
hurricane around 3:30 PM EDT on September 10th. The storm traveled north through southwest Florida
through the evening. Effects from Irma were felt across South Florida from September 9th through September
11th. Irma had reached Category 5 strength and a minimum central pressure of 914 MB east of the Bahamas,
maintaining Category 5 intensity until landfall along the north coast of Cuba on September 9th. Irma made its
first Florida landfall in the Lower Florida Keys early on September 10th as a Category 4 hurricane. Storm
surge across Collier County ranged from 4 to 8 feet, highest in the Chokoloskee and Everglades City area and
lowest at the northern Collier County coast. Impacts were most severe in Chokoloskee, Everglades City,
Plantation Island and Goodland where numerous homes were flooded and suffered major to catastrophic
damage. Storm survey and data from USGS rapid deployment gauges indicated highest inundation from storm
surge in Chokoloskee with up to 8 feet at waterfront, approximately 8 feet above Mean Higher High Water
(MHHW), as well as 3-5 feet of inundation across the island.
September 2022 – Hurricane Ian moved NE across the central Florida peninsula during the evening and night
of Wednesday, September 28th, finally being downgraded to a tropical storm about 20 miles west of
Melbourne at 5 AM Thursday, September 29th. Ian moved off the east coast of Florida just north of Cape
Canaveral during the mid-morning hours of Thursday, September 29th. Ian produced a catastrophic storm
surge across coastal sections of SW Florida on Wednesday, September 28th. Storm surge from surveys was
estimated in the 8-11 ft range above MHHW along the Gulf beaches from Naples north to Barefoot Beach, and
extending inland about 1 mile. Storm surge of 4-7 ft above MHHW was surveyed in the Naples Bay area and
extending north to the Naples Airport area, as well as in North Naples near the Cocohatchee River. Farther
south and east along the coast, storm surge values were estimated at 5-7 feet above MHHW in Marco Island
and Goodland, and 4-6 ft MHHW in Everglades City and Chokoloskee. Reported damage estimate for the
entire county is $2.2 billion, which includes storm surge-related damage. Of that, $1.7 billion is to residential
properties and $492 million to commercial properties. A total of 33 buildings were destroyed, with 3,515
residential and commercial buildings suffering major damage.
August 2023 -The center of Hurricane Idalia passed about 180 miles west of Naples as a Category 2 moving
north over the eastern Gulf of Mexico. The outermost edge of Idalia's tropical storm force wind field skirted
the SW Florida Gulf coast, and a few outer rain bands moved through South Florida on August 29th and 30th
bringing brief tropical storm force wind gusts. A storm surge of about 3 feet, combined with high astronomical
tides, led to minor coastal flooding in Collier County during the high tide cycles on August 29th and 30th. This
resulted in street flooding of near-coastal areas in Naples and Everglades City during the high tide cycles of
August 29th and 30th.
The most flood insurance claims for repetitive loss properties within the inland flooding zone occurred during
Hurricane Ian (209) and Hurricane Irma (202).
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Figure 2.5 – Subareas in the Coastal and Tidal Flooding Zone
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2.3.1.1 SUBAREA 1
OVERVIEW
Subarea 1 contains 32 repetitive loss areas. Table 2.2 provides summary information for all repetitive loss
areas in Subarea 1. A description and map of each of the identified repetitive loss area follows.
Table 2.2 – Overview of Subarea 1
# OF RL # OF ADDITIONAL % OF AREA
AREA PROPERTIES PROPERTIES PRIMARY STREETS IN SFHA
71 1 2 Cocohatchee St 100%
75* 18 123
Belaire Ct, Grand Canal Dr, Venetian
Way, Rainbow Ct, Park Ave, Glendale
Ave 100%
76* 1 3 Dockside Dr 92.5%
77 1 2 3rd St 0.57%
78 1 2 6th St W 100%
79 1 6 1st St 100%
80 1 4 7th St 98.5%
81 1 4 6th St, 7th St, W Valley Dr 83.9%
88* 2 8 Gulf Shore Dr 100%
89 1 1 Gulf Shore Dr 100%
90 1 2 Vanderbilt Dr 0%
91 1 2 Egret Ave 100%
92 3 5 Conners Ave 100%
93* 2 1 Bay Colony Dr 77.6%
94 1 6 Oak Ave 100%
95* 2 2 Heron Point Dr, Turtle Bay Dr 83.6%
96 1 3 97th Ave N 88.4%
97 1 4 Via Lugano 12.7%
98* 1 3 Pelican Bay Blvd 100%
99 1 2 106th Ave N 0%
100 1 2 108th Ave N 50.3%
101* 2 1 Pelican Bay Blvd 98.4%
102 2 5 94th Ave N 100%
103 1 2 107th Ave N 100%
104* 1 2 110th Ave N 100%
105 1 2 108th Ave N 100%
106* 1 1 Bay Colony Dr 40.5%
107 1 5 108th Ave N 100%
108 1 5 Heron Ave 100%
125 1 2 Morningside Dr 100%
126 1 2 East Ave, Ridge Dr 77.8%
131 1 2 Napoli Dr 100%
*This area contains multi-unit structures. Property count reflects structure count, not unit count.
Repetitive Loss Area Analysis WSP
Collier County, FL Page 31
Page 2134 of 6526
FINDINGS
Subarea 1 includes 272 residential, commercial, and vacant properties. Most properties are residential and
single-family; however, the area does include several multi-story (15+ story) condominium buildings. Most of
the properties within Subarea 1 back up to or are near canals, which are connected to the gulf or a bay. Several
properties are located directly along the gulf or adjacent to a bay or lagoon. Therefore, most properties in this
subarea experience flooding due to their proximity to oceanfront areas and/or waterways connected to the gulf.
Field data collection indicates that there is not a consistent approach to drainage within Subarea 1. Many
properties, around 27% contain drainage ditches, while others have access to a drainage inlet (14%). Some
properties had neither a ditch nor an inlet (17%). Responses to the flood protection questionnaire indicate that
property owners in Subarea 1 often attribute flooding issues to storm surge; however, several survey responses
linked drainage from nearby properties to flooding problems.
Within Subarea 1, almost half of the properties are elevated 2 feet or more, and of those properties, the
majority are elevated at least 4 feet. Slab-on-grade is the most common foundation type (63%) however,
elevated foundations, piers, posts, columns, or parallel sheer walls support 88 of the properties.
153 HVAC units were observable from the right-of-way. Through observation, it was noted that four HVAC
units are not elevated; nine units are elevated but did not reach the first-floor level; 15 units are elevated to
B.F.E; 69 are elevated to at least the first floor; and 56 are elevated above the first floor.
The questionnaire indicates that several of the respondents (15 of 23) in Subarea 1 would like additional
information on how to protect their building from flooding. A few respondents suggested dredging the
river/canal. Others expressed frustration at new development and its impact on flooding.
Property with living space elevated above parking area. Property with drainage ditch in front yard.
Repetitive Loss Area Analysis WSP
Collier County, FL Page 32
Page 2135 of 6526
House without drainage feature bordering canal. House with drainage inlet in front yard.
Condominium building along Gulf with living space elevated above garage
Repetitive Loss Area Analysis WSP
Collier County, FL Page 33
Page 2136 of 6526
Figure 2.6 – Subarea 1 Repetitive Loss Areas and FEMA Flood Zones
Repetitive Loss Area Analysis WSP
Collier County, FL Page 34
Page 2137 of 6526
Figure 2.7 – Repetitive Loss Area 71
Repetitive Loss Area Analysis WSP
Collier County, FL Page 35
Page 2138 of 6526
Figure 2.8 – Repetitive Loss Area 75
Repetitive Loss Area Analysis WSP
Collier County, FL Page 36
Page 2139 of 6526
Figure 2.9 – Repetitive Loss Area 76
Repetitive Loss Area Analysis WSP
Collier County, FL Page 37
Page 2140 of 6526
Figure 2.10 – Repetitive Loss Area 77
Repetitive Loss Area Analysis WSP
Collier County, FL Page 38
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Figure 2.11 – Repetitive Loss Area 78
Repetitive Loss Area Analysis WSP
Collier County, FL Page 39
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Figure 2.12 – Repetitive Loss Area 79
Repetitive Loss Area Analysis WSP
Collier County, FL Page 40
Page 2143 of 6526
Figure 2.13 – Repetitive Loss Area 80
Repetitive Loss Area Analysis WSP
Collier County, FL Page 41
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Figure 2.14 – Repetitive Loss Area 81
Repetitive Loss Area Analysis WSP
Collier County, FL Page 42
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Figure 2.15 – Repetitive Loss Area 88
Repetitive Loss Area Analysis WSP
Collier County, FL Page 43
Page 2146 of 6526
Figure 2.16 – Repetitive Loss Area 89
Repetitive Loss Area Analysis WSP
Collier County, FL Page 44
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Figure 2.17 – Repetitive Loss Area 90
Repetitive Loss Area Analysis WSP
Collier County, FL Page 45
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Figure 2.18 – Repetitive Loss Area 91
Repetitive Loss Area Analysis WSP
Collier County, FL Page 46
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Figure 2.19 – Repetitive Loss Area 92
Repetitive Loss Area Analysis WSP
Collier County, FL Page 47
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Figure 2.20 – Repetitive Loss Area 93
Repetitive Loss Area Analysis WSP
Collier County, FL Page 48
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Figure 2.21 – Repetitive Loss Area 94
Repetitive Loss Area Analysis WSP
Collier County, FL Page 49
Page 2152 of 6526
Figure 2.22 – Repetitive Loss Area 95
Repetitive Loss Area Analysis WSP
Collier County, FL Page 50
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Figure 2.23 – Repetitive Loss Area 96
Repetitive Loss Area Analysis WSP
Collier County, FL Page 51
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Figure 2.24 – Repetitive Loss Area 97
Repetitive Loss Area Analysis WSP
Collier County, FL Page 52
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Figure 2.25 – Repetitive Loss Area 98
Repetitive Loss Area Analysis WSP
Collier County, FL Page 53
Page 2156 of 6526
Figure 2.26 – Repetitive Loss Area 99
Repetitive Loss Area Analysis WSP
Collier County, FL Page 54
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Figure 2.27 – Repetitive Loss Area 100
Repetitive Loss Area Analysis WSP
Collier County, FL Page 55
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Figure 2.28 – Repetitive Loss Area 101
Repetitive Loss Area Analysis WSP
Collier County, FL Page 56
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Figure 2.29 – Repetitive Loss Area 102
Repetitive Loss Area Analysis WSP
Collier County, FL Page 57
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Figure 2.30 – Repetitive Loss Area 103
Repetitive Loss Area Analysis WSP
Collier County, FL Page 58
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Figure 2.31 – Repetitive Loss Area 104
Repetitive Loss Area Analysis WSP
Collier County, FL Page 59
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Figure 2.32 – Repetitive Loss Area 105
Repetitive Loss Area Analysis WSP
Collier County, FL Page 60
Page 2163 of 6526
Figure 2.33 – Repetitive Loss Area 106
Repetitive Loss Area Analysis WSP
Collier County, FL Page 61
Page 2164 of 6526
Figure 2.34 – Repetitive Loss Area 107
Repetitive Loss Area Analysis WSP
Collier County, FL Page 62
Page 2165 of 6526
Figure 2.35 – Repetitive Loss Area 108
Repetitive Loss Area Analysis WSP
Collier County, FL Page 63
Page 2166 of 6526
Figure 2.36 – Repetitive Loss Area 125
Repetitive Loss Area Analysis WSP
Collier County, FL Page 64
Page 2167 of 6526
Figure 2.37 – Repetitive Loss Area 126
Repetitive Loss Area Analysis WSP
Collier County, FL Page 65
Page 2168 of 6526
Figure 2.38 – Repetitive Loss Area 131
Repetitive Loss Area Analysis WSP
Collier County, FL Page 66
Page 2169 of 6526
2.3.1.2 SUBAREA 2
OVERVIEW
Subarea 2 contains 47 repetitive loss areas. Table 2.3 provides summary information for all repetitive loss
areas in Subarea 2. A description and map of each of the identified repetitive loss area follows.
Table 2.3 – Overview of Subarea 2
# OF RL # OF ADDITIONAL % OF AREA
AREA PROPERTIES PROPERTIES PRIMARY STREETS IN SFHA
13 2 2 Danford St 100%
17 2 12 Palmetto Ct 100%
19 22 29
Coconut Cir W, Guava Dr, Lotus Dr,
Coconut Cir S 100%
20 2 3 Jefferson Ave 100%
21 4 5 Becca Ave, Weeks Ave 100%
22 1 3 Becca Ave, Cypress St 100%
23 2 2 Estey Ave 100%
24 1 2 Airport Rd, Steeves Ave 100%
25 1 4 Enchanting Blvd 100%
26 2 4 Holiday Ln 100%
27 1 7 Christopher Ct 100%
28 1 2 Sandpiper Ct, Carter St 100%
29* 5 1 Estey Ave 100%
30 3 1 Holiday Ln 100%
31 3 4 Smugglers Cv 100%
32 1 3 Shadowlawn Dr 100%
33 1 2 Frederick St 100%
34 1 1 Palm St, Mills Ln 100%
35 2 2 Frederick St, Mills Ln, Monroe Ave, 100%
36 3 1 Davis Blvd 100%
37 1 3 Jefferson Ave 100%
38 3 4 Pelton Ave, Winifred Ave 100%
39 1 2 Frederick St 100%
40 2 1 Sunset Ln 100%
41 1 3 Harbor Rd 100%
42 1 4 Tamiami Trl E 100%
43 2 18 Rivard Rd 100%
44 1 2 Washington Ave 100%
45 1 3 Davis Blvd 100%
46 1 3 Harbor Rd 100%
47 1 10 Topaz Ln, Enchanting Blv 100%
48 1 2 Linwood Ave 100%
49 1 1 Airport Rd S 100%
Repetitive Loss Area Analysis WSP
Collier County, FL Page 67
Page 2170 of 6526
# OF RL # OF ADDITIONAL % OF AREA
AREA PROPERTIES PROPERTIES PRIMARY STREETS IN SFHA
50 1 2 Van Buren Ave 100%
51 1 2 Bayview Dr 100%
52 1 3 Weeks Ave 100%
53 1 2 Poplar St 100%
55 1 2 Estey Ave 100%
56 1 2 Guilford Rd 100%
57 1 2 Poinsettia Ave 100%
58 2 4 North Rd 100%
59 1 3 Guilford Rd 100%
60 2 5 Seagrape Ave, Croton Rd 100%
61 1 2 Seagrape Ave, Central Dr 100%
62 1 2 Harbor Ln 100%
124 5 7 Airport Rd N, Mercantile Ave 100%
127 1 3 Longboat Dr 100%
*This area contains multi-unit structures. Property count reflects structure count, not unit count.
FINDINGS
Subarea 2 includes 284 residential properties. Most properties in this zone experience flooding problems due to
their proximity to the coast, tidal creeks and channels. Input from property owners and neighbors during data
collection indicated that storm surge and tidal flooding cause a significant amount of flooding in this area.
However, in many areas, drainage issues that may exacerbate flooding were discovered during field data
collection. Respondents to the questionnaire indicated sewer back up failure as a common issue in the subarea.
Most structures in this area are concrete. Around 15% are wood frame and 5% are manufactured homes.
Approximately nine structures in this zone are elevated on piers, posts, or pile foundations; most of these
buildings are elevated around 8 feet or more. Around 266 structures in this zone have slab on grade
foundations, with 9% of these buildings at street grade, and another 64% only 0-2 feet above grade. Five
structures in this zone are below grade, which presents a significant risk for continued flood damages.
Ninety-eight HVAC units were observable from the right-of-way. Through observation, it was noted that 96
HVAC units were elevated; two units were not elevated.
Questionnaire responses from this zone indicate that flooding also occurred during Hurricane s Ian, Milton, and
Irma. Most property owners attribute flooding to storm surge, drainage from nearby properties, overbank
flooding from drainage ditches and canals, and standing water when the ground is saturated. A few property
owners have installed sump pumps and waterproofed outside walls. Others have used sandbags and raised
items off the ground level. Multiple property owners expressed interest in elevating their structures and
interest in ways of protecting their home.
Repetitive Loss Area Analysis WSP
Collier County, FL Page 68
Page 2171 of 6526
Slightly above grade home with drain and ditch in front yard
At grade home with drain and ditch
Condo, multi-family property at grade with large impervious surface lot
Repetitive Loss Area Analysis WSP
Collier County, FL Page 69
Page 2172 of 6526
Elevated home with drain in front yard
Repetitive Loss Area Analysis WSP
Collier County, FL Page 70
Page 2173 of 6526
Figure 2.39 – Subarea 2 Repetitive Loss Areas and FEMA Flood Zones
Repetitive Loss Area Analysis WSP
Collier County, FL Page 71
Page 2174 of 6526
Figure 2.40 – Repetitive Loss Area 13
Repetitive Loss Area Analysis WSP
Collier County, FL Page 72
Page 2175 of 6526
Figure 2.41 – Repetitive Loss Area 17
Repetitive Loss Area Analysis WSP
Collier County, FL Page 73
Page 2176 of 6526
Figure 2.42 – Repetitive Loss Area 19
Repetitive Loss Area Analysis WSP
Collier County, FL Page 74
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Figure 2.43 – Repetitive Loss Area 20
Repetitive Loss Area Analysis WSP
Collier County, FL Page 75
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Figure 2.44 – Repetitive Loss Area 21
Repetitive Loss Area Analysis WSP
Collier County, FL Page 76
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Figure 2.45 – Repetitive Loss Area 22
Repetitive Loss Area Analysis WSP
Collier County, FL Page 77
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Figure 2.46 – Repetitive Loss Area 23
Repetitive Loss Area Analysis WSP
Collier County, FL Page 78
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Figure 2.47 – Repetitive Loss Area 24
Repetitive Loss Area Analysis WSP
Collier County, FL Page 79
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Figure 2.48 – Repetitive Loss Area 25
Repetitive Loss Area Analysis WSP
Collier County, FL Page 80
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Figure 2.49 – Repetitive Loss Area 26
Repetitive Loss Area Analysis WSP
Collier County, FL Page 81
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Figure 2.50 – Repetitive Loss Area 27
Repetitive Loss Area Analysis WSP
Collier County, FL Page 82
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Figure 2.51 – Repetitive Loss Area 28
Repetitive Loss Area Analysis WSP
Collier County, FL Page 83
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Figure 2.52 – Repetitive Loss Area 29
Repetitive Loss Area Analysis WSP
Collier County, FL Page 84
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Figure 2.53 – Repetitive Loss Area 30
Repetitive Loss Area Analysis WSP
Collier County, FL Page 85
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Figure 2.54 – Repetitive Loss Area 31
Repetitive Loss Area Analysis WSP
Collier County, FL Page 86
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Figure 2.55 – Repetitive Loss Area 32
Repetitive Loss Area Analysis WSP
Collier County, FL Page 87
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Figure 2.56 – Repetitive Loss Area 33
Repetitive Loss Area Analysis WSP
Collier County, FL Page 88
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Figure 2.57 – Repetitive Loss Area 34
Repetitive Loss Area Analysis WSP
Collier County, FL Page 89
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Figure 2.58 – Repetitive Loss Area 35
Repetitive Loss Area Analysis WSP
Collier County, FL Page 90
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Figure 2.59 – Repetitive Loss Area 36
Repetitive Loss Area Analysis WSP
Collier County, FL Page 91
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Figure 2.60 – Repetitive Loss Area 37
Repetitive Loss Area Analysis WSP
Collier County, FL Page 92
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Figure 2.61 – Repetitive Loss Area 38
Repetitive Loss Area Analysis WSP
Collier County, FL Page 93
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Figure 2.62 – Repetitive Loss Area 39
Repetitive Loss Area Analysis WSP
Collier County, FL Page 94
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Figure 2.63 – Repetitive Loss Area 40
Repetitive Loss Area Analysis WSP
Collier County, FL Page 95
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Figure 2.64 – Repetitive Loss Area 41
Repetitive Loss Area Analysis WSP
Collier County, FL Page 96
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Figure 2.65 – Repetitive Loss Area 42
Repetitive Loss Area Analysis WSP
Collier County, FL Page 97
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Figure 2.66 – Repetitive Loss Area 43
Repetitive Loss Area Analysis WSP
Collier County, FL Page 98
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Figure 2.67 – Repetitive Loss Area 44
Repetitive Loss Area Analysis WSP
Collier County, FL Page 99
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Figure 2.68 – Repetitive Loss Area 45
Repetitive Loss Area Analysis WSP
Collier County, FL Page 100
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Figure 2.69 – Repetitive Loss Area 46
Repetitive Loss Area Analysis WSP
Collier County, FL Page 101
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Figure 2.70 – Repetitive Loss Area 47
Repetitive Loss Area Analysis WSP
Collier County, FL Page 102
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Figure 2.71 – Repetitive Loss Area 48
Repetitive Loss Area Analysis WSP
Collier County, FL Page 103
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Figure 2.72 – Repetitive Loss Area 49
Repetitive Loss Area Analysis WSP
Collier County, FL Page 104
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Figure 2.73 – Repetitive Loss Area 50
Repetitive Loss Area Analysis WSP
Collier County, FL Page 105
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Figure 2.74 – Repetitive Loss Area 51
Repetitive Loss Area Analysis WSP
Collier County, FL Page 106
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Figure 2.75 – Repetitive Loss Area 52
Repetitive Loss Area Analysis WSP
Collier County, FL Page 107
Page 2210 of 6526
Figure 2.76 – Repetitive Loss Area 53
Repetitive Loss Area Analysis WSP
Collier County, FL Page 108
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Figure 2.77 – Repetitive Loss Area 55
Repetitive Loss Area Analysis WSP
Collier County, FL Page 109
Page 2212 of 6526
Figure 2.78 – Repetitive Loss Area 56
Repetitive Loss Area Analysis WSP
Collier County, FL Page 110
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Figure 2.79 – Repetitive Loss Area 57
Repetitive Loss Area Analysis WSP
Collier County, FL Page 111
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Figure 2.80 – Repetitive Loss Area 58
Repetitive Loss Area Analysis WSP
Collier County, FL Page 112
Page 2215 of 6526
Figure 2.81 – Repetitive Loss Area 59
Repetitive Loss Area Analysis WSP
Collier County, FL Page 113
Page 2216 of 6526
Figure 2.82 – Repetitive Loss Area 60
Repetitive Loss Area Analysis WSP
Collier County, FL Page 114
Page 2217 of 6526
Figure 2.83 – Repetitive Loss Area 61
Repetitive Loss Area Analysis WSP
Collier County, FL Page 115
Page 2218 of 6526
Figure 2.84 – Repetitive Loss Area 62
Repetitive Loss Area Analysis WSP
Collier County, FL Page 116
Page 2219 of 6526
Figure 2.85 – Repetitive Loss Area 124
Repetitive Loss Area Analysis WSP
Collier County, FL Page 117
Page 2220 of 6526
Figure 2.86 – Repetitive Loss Area 127
Repetitive Loss Area Analysis WSP
Collier County, FL Page 118
Page 2221 of 6526
2.3.1.3 SUBAREA 3
OVERVIEW
Subarea 3 contains six repetitive loss areas. Table 2.4 provides summary information for all repetitive loss
areas in Subarea 3. A description and map of each of the identified repetitive loss area follows.
Table 2.4 – Overview of Subarea 3
# OF RL # OF ADDITIONAL % OF AREA
AREA PROPERTIES PROPERTIES PRIMARY STREETS IN SFHA
63 1 2 Jasmine Ln, Rose Ln 100.0%
64 1 2 Needle Palm Ln 100.0%
65 1 2 Rookery Rd 100.0%
66 2 11 Henderson Dr 100.0%
67 1 3 Sugar Loaf Ln, Grassy Key Ln 100.0%
68 1 3 Jade Dr, Onyx Dr 100.0%
FINDINGS
Subarea 3 includes 30 residential properties. Properties in this zone are primarily vulnerable to flooding due to
their location near tidal creeks and localized stormwater issues, including overwhelmed stormwater ponds and
overgrown or undersized drainage ditches adjacent to some properties.
All the structures in this area are manufactured homes. Nearly one third of the structures have slab on grade
foundations all of which are built at grade and have the first floor elevated at least one foot. The remaining
homes have crawl spaces, all of which are also elevated at least one foot from the ground. Over half of the
homes in this area have vents and just under a third have either a gutter or drainage ditch close to the property.
Most HVAC units were not observed from the right-of-way, however around a third of the properties have
elevated units.
Questionnaire responses from this zone indicate that most property owners attribute flooding to high tides,
hurricanes and storm surge, drainage from nearby properties, overwhelmed retention ponds, and overgrown
ditches. One respondent noted a pattern of increased drainage issues and runoff in his neighborhood as a result
of increased development in the area. Property owners have regraded their yards, cleared ditches, sandbagged,
coated ductwork and underside of home with closed cell foam, and raised items or moved them off of ground
level to reduce impacts from flooding. Some of these interventions have been successful; however, several
respondents noted a need for more help or indicated that the flood problems are beyond their means to address.
Several property owners noted they’ve needed to replace duct work and AC systems multiple times. Property
owners noted a need for drainage improvements and expanded capacity of canals and retentions ponds to better
alleviate flood.
Repetitive Loss Area Analysis WSP
Collier County, FL Page 119
Page 2222 of 6526
Manufactured home with elevated HVAC and drain in
yard Manufactured home with drainage ditch along
property and gutter that drains towards the adjacent
property
Elevated manufactured home with crawlspace
Repetitive Loss Area Analysis WSP
Collier County, FL Page 120
Page 2223 of 6526
Figure 2.87 – Subarea 3 Repetitive Loss Areas and FEMA Flood Zones
Repetitive Loss Area Analysis WSP
Collier County, FL Page 121
Page 2224 of 6526
Figure 2.88 – Repetitive Loss Area 63
Repetitive Loss Area Analysis WSP
Collier County, FL Page 122
Page 2225 of 6526
Figure 2.89 – Repetitive Loss Area 64
Repetitive Loss Area Analysis WSP
Collier County, FL Page 123
Page 2226 of 6526
Figure 2.90 – Repetitive Loss Area 65
Repetitive Loss Area Analysis WSP
Collier County, FL Page 124
Page 2227 of 6526
Figure 2.91 – Repetitive Loss Area 66
Repetitive Loss Area Analysis WSP
Collier County, FL Page 125
Page 2228 of 6526
Figure 2.92 – Repetitive Loss Area 67
Repetitive Loss Area Analysis WSP
Collier County, FL Page 126
Page 2229 of 6526
Figure 2.93 – Repetitive Loss Area 68
Repetitive Loss Area Analysis WSP
Collier County, FL Page 127
Page 2230 of 6526
2.3.1.4 SUBAREA 4
OVERVIEW
Subarea 4 contains 10 repetitive loss areas. Table 2.5 provides summary information for all repetitive loss
areas in Subarea 4. A description and map of each of the identified repetitive loss area follows.
Table 2.5 – Overview of Subarea 4
# OF RL # OF ADDITIONAL % OF AREA
AREA PROPERTIES PROPERTIES PRIMARY STREETS IN SFHA
109* 3 1 La Peninsula Blvd 87.9%
110 3 10 Jamaica Dr, Tahiti Cir, Capri Blvd 100%
111 3 8 Tahiti St 100%
112 2 10 San Salvador St 100%
113 1 2 Pago Pago Dr W 100%
114 1 4 Capri Blvd 100%
115 1 2 Pelican St E 100%
116 2 8 Trinidad St 100%
117 1 3 E Hilo St 100%
118 1 7 Tahiti Cir 100%
*This area contains multi-unit structures. Property count reflects structure count, not unit count.
FINDINGS
Subarea 4 includes 72 residential and commercial structures (including units in multi-family buildings). Most
structures are residential, and several of the properties contain multifamily condominium buildings. This
subarea is located on a peninsula in close proximity to Marco Island and surrounded by the Gulf. Therefore,
properties found in this subarea are highly vulnerable to stormwater surge.
Approximately 30 of the properties are elevated at least 2 feet or more, and five of the properties are elevated
at least 4 feet. However, approximately half of the properties have minimal elevation of less than 2 feet. Most
properties without significant elevation are single-family homes. The large condominium complexes within
this subarea appear to have their living spaces elevated above first-floor garages.
Most properties appear to have a slab-on-grade foundation, and 13 of the properties are noted as having
drainage pipes under their driveways. Over 44% of the properties have HVAC units that are elevated above the
first floor.
Almost all questionnaire respondents (9 of 10) indicated that their building has flooded in the past and that the
cause of their flooding is linked to storm surge or tidal flooding (8 of 10). A few respondents stated that they
have tried to implement flood protection including re-grading yards, moving things out of basement,
sandbagging, and adding French drains. The property owner, who hasn’t experienced flooding, mentioned that
their property was constructed 5 feet above grade.
Repetitive Loss Area Analysis WSP
Collier County, FL Page 128
Page 2231 of 6526
Condominium building with living space elevated Single-family home with slab-on-grade foundation.
above first-floor.
Single-family home with drainage pipe under
driveway.
Repetitive Loss Area Analysis WSP
Collier County, FL Page 129
Page 2232 of 6526
Figure 2 – Subarea 4 Repetitive Loss Areas and FEMA Flood Zones
Repetitive Loss Area Analysis WSP
Collier County, FL Page 130
Page 2233 of 6526
Figure 2.94 – Repetitive Loss Area 109
Repetitive Loss Area Analysis WSP
Collier County, FL Page 131
Page 2234 of 6526
Figure 2.95 – Repetitive Loss Area 110
Repetitive Loss Area Analysis WSP
Collier County, FL Page 132
Page 2235 of 6526
Figure 2.96 – Repetitive Loss Area 111
Repetitive Loss Area Analysis WSP
Collier County, FL Page 133
Page 2236 of 6526
Figure 2.97 – Repetitive Loss Area 112
Repetitive Loss Area Analysis WSP
Collier County, FL Page 134
Page 2237 of 6526
Figure 2.98 – Repetitive Loss Area 113
Repetitive Loss Area Analysis WSP
Collier County, FL Page 135
Page 2238 of 6526
Figure 2.99 – Repetitive Loss Area 114
Repetitive Loss Area Analysis WSP
Collier County, FL Page 136
Page 2239 of 6526
Figure 2.100 – Repetitive Loss Area 115
Repetitive Loss Area Analysis WSP
Collier County, FL Page 137
Page 2240 of 6526
Figure 2.101 – Repetitive Loss Area 116
Repetitive Loss Area Analysis WSP
Collier County, FL Page 138
Page 2241 of 6526
Figure 2.102 – Repetitive Loss Area 117
Repetitive Loss Area Analysis WSP
Collier County, FL Page 139
Page 2242 of 6526
Figure 2.103 – Repetitive Loss Area 118
Repetitive Loss Area Analysis WSP
Collier County, FL Page 140
Page 2243 of 6526
2.3.1.5 SUBAREA 5
OVERVIEW
Subarea 5 contains 12 repetitive loss areas. Table 2.6 provides summary information for all repetitive loss
areas in Subarea 5. A description and map of each of the identified repetitive loss area follows.
Table 2.6 – Overview of Subarea 5
# OF RL # OF ADDITIONAL % OF AREA
AREA PROPERTIES PROPERTIES PRIMARY STREETS IN SFHA
1 4 21 Pear Tree, Mango Ave, Goodland Dr W 90.7%
2 3 7 Harbor Pl N 100.0%
3 3 3 Bayshore Way 100.0%
4 2 2 Goodland Dr E 100.0%
5* 23 1 Angler Dr 100.0%
6 3 23 Coconut Ave, Palm Ave 100.0%
7 1 4 Papaya St 100.0%
8 1 6 Sunset Ct, Sunset Dr 100.0%
9 3 3 Palm Ave 100.0%
10 1 1 Palm Point Dr 100.0%
11 1 1 Coconut Ave 100.0%
12 1 6 Goodland Dr W 100.0%
*This area contains multi-unit structures. Property count reflects structure count, not unit count.
FINDINGS
Subarea 5 includes 124 residential properties, and structures are single-family or duplex. This subarea is
located on Marco Island and is surrounded by Goodland Bay and features a series of canals that feed into the
bay. Therefore, properties found in this subarea highly vulnerable to stormwater surge.
Twenty-eight structures are elevated 8-12 feet with most locating living space above a garage or parking area.
However, most structures, around 67%, are located at grade or are elevated less than 2 feet. Most properties
appear to have a slab-on-grade foundation. Over a third of the structures are manufactures homes, which may
experience a greater vulnerability to flooding.
Over half of the HVAC units were observable from the right-of-way. Through observation, it was noted that
one HVAC units is not elevated; five units are window units; one unit is elevated to B.F.E; two are elevated to
the first floor; and 50 out of the 59 observable units are elevated above the first floor
Six out of eight questionnaire respondents in this area indicated that their building has flooded in the past and
that the cause of their flooding is linked to storm surge or tidal flooding. A few respondents stated that they
have tried to implement flood protection including sandbagging, sump pump, re-grading yard, and
waterproofing outside walls.
Repetitive Loss Area Analysis WSP
Collier County, FL Page 141
Page 2244 of 6526
Manufactured home on stilts.
Duplex with living space elevated above garage.
Single-family home with window-unit.
Repetitive Loss Area Analysis WSP
Collier County, FL Page 142
Page 2245 of 6526
Figure 2.104 – Subarea 5 Repetitive Loss Areas and FEMA Flood Zones
Repetitive Loss Area Analysis WSP
Collier County, FL Page 143
Page 2246 of 6526
Figure 2.105 – Repetitive Loss Area 1
Repetitive Loss Area Analysis WSP
Collier County, FL Page 144
Page 2247 of 6526
Figure 2.106 – Repetitive Loss Area 2
Repetitive Loss Area Analysis WSP
Collier County, FL Page 145
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Figure 2.107 – Repetitive Loss Area 3
Repetitive Loss Area Analysis WSP
Collier County, FL Page 146
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Figure 2.108 – Repetitive Loss Area 4
Repetitive Loss Area Analysis WSP
Collier County, FL Page 147
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Figure 2.109 – Repetitive Loss Area 5
Repetitive Loss Area Analysis WSP
Collier County, FL Page 148
Page 2251 of 6526
Figure 2.110 – Repetitive Loss Area 6
Repetitive Loss Area Analysis WSP
Collier County, FL Page 149
Page 2252 of 6526
Figure 2.111 – Repetitive Loss Area 7
Repetitive Loss Area Analysis WSP
Collier County, FL Page 150
Page 2253 of 6526
Figure 2.112 – Repetitive Loss Area 8
Repetitive Loss Area Analysis WSP
Collier County, FL Page 151
Page 2254 of 6526
Figure 2.113 – Repetitive Loss Area 9
Repetitive Loss Area Analysis WSP
Collier County, FL Page 152
Page 2255 of 6526
Figure 2.114 – Repetitive Loss Area 10
Repetitive Loss Area Analysis WSP
Collier County, FL Page 153
Page 2256 of 6526
Figure 2.115 – Repetitive Loss Area 11
Repetitive Loss Area Analysis WSP
Collier County, FL Page 154
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Figure 2.116 – Repetitive Loss Area 12
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2.3.1.6 SUBAREA 6
OVERVIEW
Subarea 6 contains 5 repetitive loss areas. Table 2.7 provides summary information for all repetitive loss areas
in Subarea 6. A description and map of each of the identified repetitive loss area follows.
Table 2.7 – Overview of Zone 6
# OF RL # OF ADDITIONAL % OF AREA
AREA PROPERTIES PROPERTIES PRIMARY STREETS IN SFHA
119 1 1 Pelican Dr 100.0%
120 2 3 Flicker Ln 100.0%
121 1 3 Spoonbill Ave 100.0%
122 1 7 N Lopez Ln 100.0%
123 1 1 Spoonbill Ave 100.0%
FINDINGS
Subarea 6 includes 21 residential properties. This subarea includes Plantation Island and a portion of
Chokoloskee and borders the Chokoloskee Bay. The subarea features canals, which connect to the
Chokoloskee Bay.
Two thirds of the structures are elevated at least 2 feet, and seven of those structures are elevated at least 4 feet.
Five structures are elevated 8-12 feet. Eight structures are located at grade or are elevated less than 2 feet. Most
structures (65%) are manufactured homes, which may experience a greater vulnerability to flooding. Only five
HVAC units were observable from the right-of-way. HVAC units were either window units (2) or elevated to
the first floor (3).
Three questionnaire responses were received for this area. Two of the respondents reported flooding depth
greater than 20 inches during past events. Respondents suggested digging out canals and providing a
comprehensive stormwater system for the area.
Manufactured home that has been slightly elevated. Mobiles homes elevated on cinder blocks.
Manufactured home on stilts.
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Figure 2.117 – Subarea 6 Repetitive Loss Areas and FEMA Flood Zones
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Figure 2.118 – Repetitive Loss Area 119
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Figure 2.119 – Repetitive Loss Area 120
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Figure 2.120 – Repetitive Loss Area 121
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Figure 2.121 – Repetitive Loss Area 122
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Figure 2.122 – Repetitive Loss Area 123
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2.3.2 INLAND FLOODING ZONE
PROBLEM STATEMENT
Collier County is also susceptible to compound flooding that results from a combination of rainfall and tidal
influences. Flooding within inland areas is associated with heavy rainfall events, which can cause ponds and
canals to overflow and can overwhelm drainage systems causing localized stormwater flooding.
According to the Effective FIRM, all repetitive loss areas in this zone contain Special Flood Hazard Area
(SFHA).
Past flood insurance claims for repetitive loss properties in this zone have been tied to major storm events
including Tropical Storm Jerry (August 1995), Tropical Storm Harvey (September 1999), Hurricane Irma
(September 2017), Hurricane Ian (September 2022), which are detailed in Section 2.3.1. Additionally,
repetitive loss properties are tied to Tropical Storm Faye and smaller, more localized events, which are detailed
below:
September 2001 – A heavy rain event brought between 3 to 5 inches of rain with local amounts of up to 8
inches leading to street flooding.
August 2008 – Tropical Storm Faye brought 6-8 inches of rain to southwest Florida and tropical storm force
winds.
August 2014 – Intense rainfall associated with several bands of thunderstorms developed across much of the
Naples area during the early afternoon. The first report of flooding was received from a trained spotter at 1405
EDT and stated that at least two feet of water was on roads near Airport Road and Mercantile Avenue with
cars stalled out. The Collier County Sheriffs Office reported at around 1510 EDT that there was severe
flooding and stalled vehicles from Collier Blvd. to Tamiami Trail with some roads closed. Rainfall totals
included 7 inches at Naples Beach Hotel and Club with 6.73 inches at the Naples Municipal Airport. A trained
spotter measured 4.21 inches in just under an hour around Airport and Pine Ridge Roads.
The most flood insurance claims for repetitive loss properties within the inland flooding zone occurred during
Hurricane Irma (19) and Hurricane Ian (12).
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Figure 2.123 – Subareas in the Inland Flooding Zone
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2.3.2.1 SUBAREA 7
OVERVIEW
Subarea 7 contains seven repetitive loss areas. Table 2.8 provides summary information for all repetitive loss
areas in Subarea 7. A description and map of each of the identified repetitive loss area follows.
Table 2.8 – Overview of Subarea 7
# OF RL # OF ADDITIONAL % OF AREA
AREA PROPERTIES PROPERTIES PRIMARY STREETS IN SFHA
69 2 10 Palm River Blvd, Palm View Dr 100%
72 2 2 Sharwood Dr 100%
73 1 2 Corbel Dr 100%
128* 1 3 J and C Blvd, Corporation Blvd 0%
129* 1 1 J and C Blvd 86%
130 1 3 Poinciana St, Tortuga Way 100%
132 1 3 Courtside Dr 37%
*This area contains multi-unit structures. Property count reflects structure count, not unit count.
FINDINGS
Subarea seven contains 34 residential and commercial properties that mostly experience flooding problems
through a combination of heavy rainfall, stormwater flooding and tidal flooding. Drainage issues may
exacerbate flooding in this area. During field data collection, 94% of the homes within this zone were noted to
be in close proximity to a stormwater pond or canal. Several properties have ditches adjacent to homes that
may be overflowing during heavy rain events.
One resident noted that their home sits lower than surrounding properties causing flood waters to drain into
their yard. The resident reported flooding over the first floor with standing water about 4 inches deep.
Approximately 72% of all structures in this zone are masonry while the rest are a small combination of wood
frame, steel, and concrete. A majority of both the structure and foundation conditions were rated as “good” or
“fair” according to the collected field data.
Over half of the homes within this zone were built at street grade, five homes (9%) are 1-2 feet above grade,
and three structures are elevated 2-3 feet. Additionally, 27% of HVACs that were observable from the right-of-
way within this zone were elevated.
Slightly above grade home with drain in front yard At grade home with drain along the front yard
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Commercial property at grade with large impervious
surface lot
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Figure 2.124 – Subarea 7 Repetitive Loss Areas and FEMA Flood Zones
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Figure 2.125 – Repetitive Loss Area 69
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Figure 2.126 – Repetitive Loss Area 72
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Figure 2.127 – Repetitive Loss Area 73
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Figure 2.128 – Repetitive Loss Area 128
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Figure 2.129 – Repetitive Loss Area 129
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Figure 2.130 – Repetitive Loss Area 130
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Figure 2.131 – Repetitive Loss Area 132
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2.3.2.2 SUBAREA 8
OVERVIEW
Subarea 8 contains 8 repetitive loss areas. Table 2.9 provides summary information for all repetitive loss areas
in Subarea 8. A description and map of each of the identified repetitive loss area follows.
Table 2.9 – Overview of Subarea 8
# OF RL # OF ADDITIONAL % OF AREA
AREA PROPERTIES PROPERTIES PRIMARY STREETS IN SFHA
70 1 2 Valewood Dr 40%
74 1 2 Brynwood Dr, Burnham Rd 6%
82 1 2 Pine Ridge Rd 63%
83 1 1 Keane Ave 100%
84 1 2 Garland Rd 99%
85 1 2 32nd Ave SW 12%
86 1 1 Palmetto Woods Dr 97%
87 1 2 Pine Cone Ln 93%
FINDINGS
Subarea eight contains 23 properties that primarily experience flooding when nearby ponds, tributaries, and
canals overflow their banks into their surrounding floodplains due to heavy rains often associated with tropical
storms. Repetitive loss areas 70 and 74 are in golf course communities with several ponds and heavily
landscaped greens which can cause any overflow to runoff to nearby properties. During field data collection,
many drainage ditches were noted adjacent to homes. Several were overgrown and covered by grass and
debris. Drainage issues in areas that are low lying can exacerbate flooding due to inadequate drainage.
Owners were unavailable during field data collection and no residents from within this zone participated in the
questionnaire. Further residential input from the residents in subarea eight would be beneficial to indicating the
exact causes to flooding of these properties.
Most structures in this subarea are wood frame or concrete homes. Three homes have elevated foundation
walls with full or partial enclosure. One home is elevated on piers, posts, or pile foundation. The remaining
structures have slab on grade foundations. Most structures in subarea eight are built slightly above grade with
only six structures at grade level.
Of the observable HVAC units, nine are elevated to the first floor or BFE, one was not elevated and at grade
level, the remaining units were not observable from the right of way.
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Drainage with overgrown vegetation Slightly above grade home with drain in front yard
Property with large, paved driveway Property slightly above grade with drainage along
front yard
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Figure 2.132 – Subarea 8 Repetitive Loss Areas and FEMA Flood Zones
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Figure 2.133 – Repetitive Loss Area 70
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Figure 2.134 – Repetitive Loss Area 74
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Figure 2.135 – Repetitive Loss Area 82
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Figure 2.136 – Repetitive Loss Area 83
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Figure 2.137 – Repetitive Loss Area 84
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Figure 2.138 – Repetitive Loss Area 85
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Figure 2.139 – Repetitive Loss Area 86
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Figure 2.140 – Repetitive Loss Area 87
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2.3.2.3 SUBAREA 9
OVERVIEW
Subarea 9 contains five repetitive loss areas. Table 2.10 provides summary information for all repetitive loss
areas in Subarea 9. A description and map of each of the identified repetitive loss area follows.
Table 2.10 – Overview of Subarea 9
# OF RL # OF ADDITIONAL % OF AREA
AREA PROPERTIES PROPERTIES PRIMARY STREETS IN SFHA
14 1 1 Tamiami Trl E 100%
15 1 2 Foxwood Ln, Glenwood Ln 100%
16 1 1 Sawgrass Ln 96%
18 1 3 Johns St 100%
54 1 2 Round Table Ln 100%
FINDINGS
Subarea nine contains 14 residential and commercial properties that mostly experience flooding problems
through a combination of heavy rainfall and drainage issues. During field data collection, 50% of the homes
within this area do not have drainage ditches which may cause excess standing water and runoff towards
properties. Ditches adjacent to homes may be overflowing during heavy rain events.
Owners were unavailable during field data collection and no residents from within this zone participated in the
questionnaire. Further residential input from subarea nine would be beneficial to indicating the exact causes to
flooding of these properties.
Most structures in this zone are wood frame, concrete, or manufactured homes. All of the homes in this
subarea have slab on grade foundations. Around 71% of the structures in subarea nine are built at grade with
the remaining four structures elevated between 1 – 3 feet above grade.
Only two HVAC units were observable from the right-of-way; one was elevated just below the first floor while
the other was elevated the BFE.
Manufactured home with gutter that drains away from
property
Commercial property with drainage
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Property slightly above grade with no drainage At grade property with drainage under driveway
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Figure 2.141 – Subarea 9 Repetitive Loss Areas and FEMA Flood Zones
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Figure 2.142 – Repetitive Loss Areas 14
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Figure 2.143 – Repetitive Loss Area 15
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Figure 2.144 – Repetitive Loss Area 16
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Figure 2.145 – Repetitive Loss Area 18
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Figure 2.146 – Repetitive Loss Area 54
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2.3.2.4 SUBAREA 10
OVERVIEW
Subarea 10 contains one repetitive loss area. Table 2.11 provides summary information for all repetitive loss
areas in Subarea 10. A description and map of the identified repetitive loss area follows.
Table 2.11 – Overview of Zone 10
# OF RL # OF ADDITIONAL % OF AREA
AREA PROPERTIES PROPERTIES PRIMARY STREETS IN SFHA
133 1 2 Breezewood Dr 100%
FINDINGS
Subarea 10 contains three residential properties that mostly experience flooding problems through a
combination of heavy rainfall and drainage issues. All three properties have drains that run under the
driveways. Drainage pipes are small, and some are partially covered by grass and dirt. Drains adjacent to
homes may be overflowing during heavy rain events.
Owners were unavailable during field data collection and no residents from within this zone participated in the
questionnaire. Further residential input from subarea 10 would be beneficial to indicating the exact causes to
flooding of these properties.
All three structures in this area are concrete homes. All of the homes in this subarea have slab on grade
foundations and are built at grade.
At grade home with drain under driveway
At grade home with drain under driveway
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Figure 2.147 – Subarea 10 Repetitive Loss Areas and FEMA Flood Zones
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Figure 2.148 – Repetitive Loss Area 133
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2.4 STEP 4. REVIEW ALTERNATIVE MITIGATION
APPROACHES
2.4.1 MITIGATION ALTERNATIVES
According to the 2017 CRS Coordinator’s Manual, mitigation measures should fall into one of the following
floodplain management categories:
— Emergency Services — Prevention
— Structural Projects — Property Protection
— Public Information and Outreach — Natural Resource Protection
Property protection is essential to mitigating repetitive loss properties and reducing future flood losses. There
are many ways to protect a property from flood damage. Property protection measures recognized in the 2017
CRS Coordinator’s Manual include relocation, acquisition, building elevation, retrofitting, sewer backup
protection, and insurance. Different measures are appropriate for different flood hazards, building types and
building conditions. Figure 2.149 below, found in the 2017 CRS Coordinator’s Manual, lists typical property
protection measures.
Figure 2.149 – Typical Property Protection Measures
Source: 2017 CRS Coordinators Manual.
A diverse set of mitigation options will enable the County, property owners, and outside entities to reduce
flooding and minimize future losses. Improving stormwater drainage and storage capacity throughout Collier
County can eliminate some building damage and road closures in areas subject to coastal and tidal flooding as
well as those subject to localized stormwater flooding. Similarly, improving and protecting natural floodplain
functions can help manage tidal floodwaters and reduce flood damages resulting from high tides, storm surge,
and sea level rise. These structural and large-scale mitigation methods require large capital expenditures and
cooperation from private property owners. Promoting floodproofing techniques and flood insurance coverage
and increasing public education and awareness of the flood hazards can reduce flood damage for property
owners in areas where large capital projects are not feasible. The County’s websites, e-mail distribution lists,
press releases, and variable message boards can help get these messages out to business owners and residents.
2.4.2 MITIGATION FUNDING
There are several types of mitigation measures, listed in Table 2.12, which can be considered for each
repetitive loss property. Each mitigation measure qualifies for one or more grant programs. Depending on
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the type of structure, severity of flooding and proximity to additional structures with similar flooding
conditions, the most appropriate measure can be determined. In addition to these grant funded projects,
several mitigations measures can be taken by the homeowner to protect their home.
Table 2.12 – Mitigation Grant Programs
Types of Projects Funded HMGP FMA BRIC SRL ICC SBA
Acquisition of the entire property by a gov’t agency ✓✓✓✓
Relocation of the building to a flood free site ✓✓✓✓✓✓
Demolition of the structure ✓✓✓✓✓✓
Elevation of the structure above flood levels ✓✓✓✓✓✓
Replacing the old building with a new elevated one ✓✓✓✓
Local drainage and small flood control projects ✓✓
Dry floodproofing (non-residential buildings only) ✓✓✓✓✓
Percent paid by Federal program 75% 75% 75% 75% 100% 0
Application Notes 1,2 1 1 1 3 2,4
Application notes:
1. Requires a grant application from your local government
2. Only available after a federal disaster declaration
3. Requires the building to have a flood insurance policy and to have been flooded to such an
extent that the local government dec lares it to be substantially damaged. Pays 100% up to
$30,000
4. This is a low interest loan that must be paid back
2.4.3 POTENTIAL MITIGATION MEASURES
2.4.3.1 STRUCTURAL ALTERNATIVES:
Structural Alternatives
Dry floodproofing. Commercial structures and even residential structures are eligible for dry
floodproofing; however, in many instances this requires human intervention to complete the
measure and ensure success. For example, installing watertight shields over doors or windows
requires timely action by the homeowner, especially in a heavy rainfall event.
Wet floodproofing. Wet floodproofing a structure involves making the uninhabited portions of the
structure resistant to flood damage and allowing water to enter during flooding. For example, in a
basement or crawl space, mechanical equipment and ductwork would not be damaged.
Backflow valves. For basements, especially with combined storm sewer and sewer systems,
backflow preventer valves can prevent storm water and sewer from entering crawlspaces and
basements.
Acquisition. Acquire and/or relocate properties/target abandoned properties.
Elevation. Elevate structures and damage-prone components, such as the furnace or air
conditioning unit, above the BFE.
Barriers. Construct engineered structural barriers, berms, and floodwalls (Note: Assuming lot has
required space for a structural addition).
Roadway improvements. Increase road elevations above the BFE of the 100-year floodplain.
Drainage improvements. Implement drainage improvements such as increasing capacity in the
system (up-sizing pipes) and provide additional inlets to receive more stormwater.
Drainage maintenance. Improve stormwater system maintenance program to ensure inlets and
canals are free of clogging debris.
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2.4.3.2 NON-STRUCTURAL ALTERNATIVES:
Non Structural Alternatives
Education. Provide public education through posting information about local flood hazards on
Town’s websites, posting signs at various locations in neighborhoods or discussing flood protection
measures at local neighborhood association meetings.
Runoff Reduction. Implement volume control and runoff reduction measures in the Town’s
Stormwater Management Ordinance.
Setbacks. Expand riparian impervious surface setbacks.
Elevate contents. Relocate internal supplies, products/goods above the flooding depth.
Flood insurance. Promote the purchase of flood insurance.
Zoning. Improve the Town’s floodplain and zoning ordinances
2.4.4 CURRENT MITIGATION PROJECTS
ROAD AND DRAINAGE CAPITAL IMPROVEMENT PROGRAMS
The Collier County Transportation Management Services’ Capital Project Planning, Impact Fees, and Program
Management Division manages road and drainage improvements throughout the County. Several of the
County’s current projects directly address drainage issues, some of which include areas close to the repetitive
loss areas. Therefore, specific drainage issues in the identified repetitive loss areas may be addressed through
existing mitigation efforts. Current budgeted projects that involve drainage improvements are listed below:
— Griffin Road Area Stormwater Improvement Project
— West Goodlette-Frank Road Area Joint Stormwater-Sewer Project
— Freedom Park Bypass Ditch
— Golden Gate City Stormwater System Improvements
2.4.5 PAST MITIGATION PROJECTS
Both the County and individual property owners have undertaken projects to reduce flooding in repetitive loss
areas. Table 2.13 summarizes past mitigation actions in the repetitive loss areas.
Table 2.13 – Past Mitigation Actions
Past Mitigation Actions
1 Property owners have installed sump pumps, regraded their yards, waterproofed their outside
walls, and undertaken other permanent property protection measures to mitigate flooding. Many
of these efforts have proven successful; however, some property owners report a need for
additional measures.
2 At least one property owner has elevated their HVAC unit and backup generator. They reported
that elevating the structures protected them from the most recent flood event.
3 The County has previously eliminated 18 properties from the repetitive loss list through
acquisition and demolition.
4 The County has undertaken capital improvement projects to improve drainage throughout the
county.
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2.4.6 ADVANTAGES AND DISADVANTAGES OF MITIGATION MEASURES
Seven primary mitigation measures are discussed here: acquisition, relocation, barriers, floodproofing,
drainage, elevation, and insurance. In general, the cost of acquisition and relocation will be higher than other
mitigation measures but can completely mitigate risk of any future flood damage. Building small barriers to
protect single structures is a lower cost solution but may not be able to offer complete protection from large
flood events and may impact flood risk on other properties. When drainage cause repetitive flooding,
improving the drainage can mitigate flooding and benefit multiple properties. Each of these solutions is
discussed in greater detail below.
2.4.6.1 ACQUISITION:
Property acquisition and relocation are complex processes requiring transferring private property to
property owned by the local government for open space purposes. Acquisition is a relatively expensive
mitigation measure but provides the greatest benefit in the lives and property are protected from flood
damage. The major cost for the acquisition method is for purchasing the structure and land. The total
estimated cost for acquisition should be based on the following:
— Purchase of Structure and land
— Demolition
— Debris removal, including any landfill processing fees
— Grading and stabilizing the property site
— Permits and plan review
Table 2.14 – Advantages and Disadvantages of Acquisition
ADVANTAGES DISADVANTAGES
• Permanently removes problem since the • Cost may be prohibitive.
structure no longer exists. • Resistance may be encountered by local
• Expands open space and enhances natural
and beneficial uses.
communities due to loss of tax base,
maintenance of empty lots, and liability for
• May be fundable under FEMA mitigation injuries on empty, community-owned lots.
grant programs.
There are three criteria that must be met for FEMA to fund an acquisition project:
— The local community must inform the property owners interested in the acquisition program that
the community will not use condemnation authority to purchase their property and that the
participation in the program is strictly voluntary,
— The subsequent deed to the property to be acquired will be amended such that the landowner will
be restricted from receiving any further Federal disaster assistance grants, the property shall remain in
open space in perpetuity, and the property will be retained in ownership by a public entity, and
— Any replacement housing or relocated structures will be located outside the 1%-annual-chance
floodplain.
2.4.6.2 RELOCATION:
Relocation involves lifting and placing a structure on a wheeled vehicle and transporting that structure to a
site outside the 1%-annual-chance floodplain and placed on a new permanent foundation. Like acquisition,
this is one of the most effective mitigation measures.
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Table 2.15 – Advantages and Disadvantages of Relocation
ADVANTAGES DISADVANTAGES
• Removes flood problem since the structure is relocated
out of the flood-prone area.
• Allows a substantially damaged or substantially
improved structure to be brought into compliance with
a community’s floodplain management ordinance.
• May be fundable under FEMA mitigation grant
programs.
• Cost may be prohibitive.
• Additional costs are likely if the
structure must be brought into
compliance with current code
requirements for plumbing,
electrical, and energy systems.
The cost for relocation will vary based on the type and the condition of the structure. It is considerably less
expensive to relocate a home that is built on a basement or crawl space as opposed to a structure that is a
slab on grade. Additionally, wood sided structures are less expensive to relocate than structures with brick
veneer. Items to consider in estimating cost for relocation include the following:
— Site selection and analysis and design of the new location
— Analysis of existing size of structure
— Analysis and preparation of the moving route
— Preparation of the structure prior to the move
— Moving the structure to the new location
— Preparation of the new site
— Construction of the new foundation
— Connection of the structure to the new foundation
— Restoration of the old site
2.4.6.3 BARRIERS:
A flood protection barrier is usually an earthen levee/berm or a concrete retaining wall. While levees and
retaining walls c an be large spanning miles along a river, they can also be constructed on a much smaller scale
to protect a single home or group of homes.
Table 2.16 – Advantages and Disadvantages of Barriers
ADVANTAGES DISADVANTAGES
• Relative cost of mitigation is less expensive than
other alternatives.
• No alterations to the actual structure or
foundation are required.
• Homeowners can typically construct their own
barriers that will complement the style and
functionality of their house and yard.
• Property is still located within the
floodplain and has potential to be
damaged by flood if barrier fails or waters
overtop it.
• Solution is only practical for flooding
depths less than 3 feet.
• Barriers cannot be used in areas with soils
that have high infiltration rates.
The cost of constructing a barrier will depend on the type of barrier and the size required to provide adequate
protection. An earthen berm will generally be less expensive compared to an equivalent concrete barrier
primarily due to the cost of the materials. Another consideration is space; an earthen barrier requires a lot of
additional width per height of structure compared to a concrete barrier to ensure proper stability. Key items to
consider for barriers:
— There needs to be adequate room on the lot
— A pump is required to remove water that either falls or seeps onto the protected side of the barrier
— Human intervention will be required to sandbag or otherwise close any openings in the barrier during the
entire flood event
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2.4.6.4 FLOODPROOFING:
Wet floodproofing a structure consists of modifying the uninhabited portions (such as a crawlspace or an
unfinished basement) to allow floodwaters to enter and exit. This ensures equal hydrostatic pressure on the
interior and exterior of the structure which reduces the likelihood of wall failures and structural damage. Wet
floodproofing is practical in only a limited number of situations.
Table 2.17 – Advantages and Disadvantages of Wet Floodproofing
ADVANTAGES DISADVANTAGES
• Often less costly than other
mitigation measures.
• Allows internal and external
• Extensive cleanup may be necessary if the structure becomes
wet inside and possibly contaminated by sewage, chemicals
and other materials borne by floodwaters.
hydrostatic pressures to
equalize, lessening the loads
on walls and floors.
• Pumping floodwaters out of a basement too soon after a
flood may lead to structural damage.
• Does not minimize the potential damage from a high-
velocity flood flow and wave action.
A dry floodproofed structure is made watertight below the level that needs flood protection to prevent
floodwaters from entering. Creating a watertight structure involves sealing walls using waterproof coatings,
impermeable membranes, or additional layers of masonry or concrete. It also includes installing watertight
shields over windows and doors, as well as implementing measures to prevent sewer backup.
Table 2.18 – Advantages and Disadvantages of Dry Floodproofing
ADVANTAGES DISADVANTAGES
• Often less costly than other • Requires human intervention and adequate warning to
retrofitting methods install protective measures.
• Does not require additional land. • Does not minimize the potential damage from high-
• May be funded by a FEMA velocity flood flow and wave action.
mitigation grant program. • May not be aesthetically pleasing.
2.4.6.5 DRAINAGE IMPROVEMENTS:
Methods of drainage improvements include overflow channels, channel straightening, restrictive crossing
replacements, and runoff storage. Modifying the channel attempts to provide a greater carrying capacity for
moving floodwaters away from areas where damage occurs. Whenever drainage improvements are considered
as a flood mitigation measure, the effects upstream and downstream from the proposed improvements need to
be considered.
Table 2.19 – Advantages and Disadvantages of Drainage Improvements
ADVANTAGES DISADVANTAGES
• Could increase channel carrying
capacity through overflow channels,
channel straightening, crossing
replacements, or runoff volume storage.
• Minor projects may be fundable under
FEMA mitigation grant programs.
• May help one area but create new problems
upstream or downstream.
• Channel straightening increases the capacity to
accumulate and carry sediment.
• May require property owner cooperation and
right-of-way acquisition.
2.4.6.6 ELEVATION:
Elevating a structure to prevent floodwaters from reaching living areas is an effective and one of the most
common mitigation methods. Elevation may also apply to roadways and walkways. The goal of the elevation
process is to raise the lowest floor of a structure or roadway/walkway bed to or above the required level of
protection.
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Table 2.20 – Advantages and Disadvantages of Elevation
ADVANTAGES DISADVANTAGES
• Elevating to or above the BFE allows a substantially
damaged or substantially improved house to be
brought into compliance.
• Often reduces flood insurance premiums.
• Reduces or eliminates road closures due to
overtopping.
• May be fundable under FEMA mitigation grant
programs.
• Cost may be prohibitive.
• The appearance of the structure and
access to it may be adversely affected.
• May require property owner cooperation and right-of-way acquisition.
• May require road or walkway closures
during construction.
2.4.6.7 FLOOD INSURANCE:
Insurance differs from other property protection activities in that it does not mitigate or prevent damage caused
by a flood. However, flood insurance does help the owner repair and rebuild their property after a flood, and it
can enable the owner to afford incorporating other property protection measures in that process. Insurance
offers the advantage of protecting the property, as long as the policy is in force, without requiring human
intervention for the measure to be effective.
Table 2.21 – Advantages and Disadvantages of Flood Insurance
ADVANTAGES DISADVANTAGES
• Provides protection outside of what is covered by a
homeowners’ insurance policy.
• Can help to fund other property protection measures after a
flood through increased cost of compliance (ICC) coverage.
• Cost may be prohibitive.
• Policyholders may have
trouble understanding policy
and filing claims.
• Provides protection for both structure and contents.
• Can be purchased anywhere in a community, including
outside of a flood zone.
• Does not prevent or mitigate
damage.
2.5 STEP 5. CONCLUSION AND RECOMMENDATIONS
2.5.1 CONCLUSION
Based on the field survey and collection of data, the analysis of existing studies and reports, and the evaluation
of various structural and non-structural mitigation measures, Collier County has pinpointed several projects
suitable for implementation in identified repetitive loss areas. These projects are outlined in Section 2.7.3
Recommendations.
2.5.2 PRIORITIZATION
In order to facilitate the implementation of the following recommended mitigation actions, a prioritization
schedule is included based on the following:
— Cost — Willingness of Property Owner to Participate
— Funding Availability — Additional Planning Requirements
— Staff Resources
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The priority rating for the following mitigation actions is summarized in Table 2.22. Each of the above
prioritization variables was rated on a scale of 1 to 5, with 5 indicating the greatest difficulty for
implementation. The weight of each variable is indicated in the prioritization table. Those mitigation actions
with the lowest overall priority scores are expected to be the easiest to implement and should therefore be
implemented first. An overall priority rating of high, medium, or low is assigned to each recommended action,
using the following scale:
— High Priority (should be completed within 2 years): Score of 0.00 – 1.99
— Medium Priority (should be completed within 2 to 4 years): Score of 2.00 – 3.99
— Low Priority (should completed within 4 to 5 years): Score of 4.00 – 5.00
2.5.3 RECOMMENDATIONS
The County will pursue a variety of mitigation strategies that balance cost, funding and administrative
capabilities, and willingness of property owners to participate. Unless otherwise noted, these mitigation actions
are recommended for all repetitive loss areas.
Mitigation Action 1: Flood Insurance Promotion
Property owners should obtain and keep a flood insurance policy on their structures (building and contents
coverage). The County will target all properties in the repetitive loss areas on an annual basis to remind them
of the advantages of maintaining flood insurance. The County will also educate the public on Increased
Cost of Compliance (ICC) coverage through this and other outreach efforts.
Responsibility: The County’s Growth Management department will provide the most relevant up-to-date
flood insurance information to all property owners within the repetitive loss areas through annual outreach and
other efforts.
Funding: The cost of ongoing outreach will be paid for from the County’s operating budget.
Priority: High
Areas: All Repetitive Loss Areas
Mitigation Action 2: Encourage Floodproofing Techniques
Several properties in the coastal and tidal areas are prone to flooding from storm surge and tidal flooding.
When appropriate, especially for non-residential structures, property owners should consider floodproofing
measures such as flood gates or shields, flood walls, hydraulic pumps, and elevating electrical services
including electrical outlets. The County should regularly provide information on potential floodproofing
techniques for property owners to implement.
Responsibility: The County’s Growth Management Department will promote effective flood protection
measures and provide advice and assistance to property owners who may wish to implement such measures in
an on-going program.
Funding: The cost for protection measures will be paid for by individual property owners. Advice and
assistance will require staff time. Promotion of existing floodproofing measures may require some additional
funds from the County’s operating budget.
Priority: Medium
Areas: All Repetitive Loss Areas; preferred for Subareas 2, 7, 8, 9
Mitigation Action 3: Elevate or Acquire Properties
Continue acquisition/demolition mitigation and/or elevation of high-risk flood-prone properties. The highest
priorities are properties at the greatest flood risk and where drainage improvements will not provide an
adequate level of protection. This effort can be coordinated with the County’s ongoing mitigation and
resilience efforts. Existing plans can help the County to specifically target the properties in these repetitive loss
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areas that will also be most likely to experience continued and worsening flooding as a result of sea level rise.
Must be undertaken as a voluntary program where property owner elects to participate.
Responsibility: The County’s Department of Growth Management will continue to target properties for
acquisition/demolition and integrate this effort with the County’s other mitigation and resilience work.
Funding: FEMA Hazard Mitigation Assistance Grants and other State and organizational grant funding. Staff
time to develop the list of target properties will require funds from the County’s operating budget.
Priority: Low
Areas: All Repetitive Loss Areas
Mitigation Action 4: Prioritize Drainage-Related Capital Projects
Many respondents to the flood protection questionnaire noted that drainage issues from neighboring properties
impact them. This observation suggests that improving drainage could be the most effective solution to
addressing flooding in certain repetitive loss areas. The County should prioritize funding for drainage projects
in the identified repetitive loss areas and their associated drainage basins. Local funds can serve as a match for
federal grants to undertake larger scale, more costly improvement projects that support mitigation. This type of
mitigation presents an opportunity for incorporation of nature-based solutions and natural resource protection.
Responsibility: The County’s Division of Capital Project Planning, Impact Fees, and Program Management
already manages the roads and drainage capital improvements and will work to prioritize repetitive loss areas
for drainage improvements.
Funding: The cost will be paid for by the capital improvement funding.
Priority: Medium
Areas: All Repetitive Loss Areas; preferred for Subareas 7, 8, 9, and 10
Mitigation Action 5: Encourage Property Owners to Elevate Mechanical Equipment
Encourage property owners to elevate inside and outside mechanical equipment above the BFE, install flood
resistant materials in crawl spaces, and consider additional flood protection measures.
Responsibility: The County’s Department of Growth Management will promote effective flood protection
measures and provide advice and assistance to property owners who may wish to implement such measures.
Funding: The cost of flood protection measures will be paid for by individual property owners. Advice and
assistance will require staff time. Promotion of existing floodproofing measures may require some additional
funds from the County’s operating budget.
Priority: Medium
Areas: All Repetitive Loss Areas
Mitigation Action 6: Stormwater Conveyance Systems Expansion and Maintenance
Property owners and field survey indicated that some conveyance systems in the repetitive loss areas no longer
have the capacity to manage floodwaters. Field surveys also indicated that some areas lack any conveyance to
move water away from properties. The County should expand stormwater conveyance systems and identify
opportunities for improvements to existing systems where drainage capacity is inadequate. Installation of new
conveyance systems will be costlier than improvements to existing systems. Some issues may be mitigated
through increased maintenance.
Responsibility: The County’s Division of Capital Project Planning, Impact Fees, and Program Management
and Growth Management Department will coordinate on this effort.
Funding: The cost will be paid for by the County’s capital improvement funding.
Priority: Medium
Areas: All Repetitive Loss Areas; preferred for Subareas 7, 8, 9, and 10.
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2.5.4 PRIORITIZATION TABLE
Table 2.22 – Prioritization of Recommended Mitigation Actions
PRIORITIZATION VARIABLES (WEIGHT)
MITIGATION ACTION #
Cost
(30%)
Funding
Availability
(25%)
Property
Owner
Willingness
(20%)
Staff
Resources
(15%)
Planning
Needs
(10%) TOTAL
1: Flood insurance promotion 2 2 1 1 1 1.55
2: Encourage floodproofing techniques 2 3 4 2 2 2.65
3: Elevation or acquisition 5 4 5 3 4 4.35
4: Drainage-related CIP projects 4 2 1 3 4 2.75
5: Encourage elevation of mechanical equipment 2 2 3 2 1 2.10
6: Stormwater conveyance systems and maintenance 4 3 1 3 4 3.00
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3 REFERENCES
Collier County Growth Management Plan.
Collier County Multi-Jurisdictional Local Mitigation Strategy. 2025
Collier County Code of Ordinances.
Federal Emergency Management Agency/ISO, Collier County Repetitive Loss Data, 2023.
Federal Emergency Management Agency. Flood Insurance Study Report: Collier County, Florida and Incorporated
Areas. February 8, 2024.
Federal Emergency Management Agency, National Flood Insurance Program, Community Rating System CRS
Coordinator’s Manual. FIA-15/2017. Section 510.
Federal Emergency Management Agency, National Flood Mitigation Data Collection Tool and RLP Viewer,
User’s Guide. FEMA 497/August 2008.
Federal Emergency Management Agency, Reducing Damage from Localized Flooding: A Guide for Communities.
FEMA 511/June 2005. Part III Chapter 7.
Federal Emergency Management Agency, Selecting Appropriate Mitigation Measures for Floodprone Structures.
FEMA 551/March 2007.
Federal Emergency Management Agency, National Flood Insurance Program, Community Rating System, Mapping
Repetitive Loss Areas, August 2008.
University of New Orleans, Center for Hazards Assessment, Response and Technology, Draft Guidebook to
Conducting Repetitive Loss Area Analyses, 2012.
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APPENDIX A BUILDING SURVEY DATA
Note: In accordance with the Privacy Act of 1974, Appendix A will not be shared with the general
public.
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