Risk Index · Lee County · 2026-06-13
Fort Myers, FL real-estate risk
- Risk score
- 99/100
- Relatively High
- Expected annual loss
- $433M
- all hazards, county-wide
- Buildings-only loss
- $392M
- what owners and insurers carry
- Population
- 760K
- Lee County
Fort Myers, FL (Lee County) carries a FEMA National Risk Index score of 99/100, rated "Relatively High" and driven mainly by hurricane and coastal flood, with roughly $433M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Hurricane99.9
- Coastal flood97.4
- Riverine flood97.3
- Wildfire96.6
- Heat wave93.2
- Tornado87.5
- Strong wind64.9
- Drought52.3
- Earthquake33.9
- Hail24.3
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Coastal flood and hurricane exposure make property insurance the swing cost in this market. Premiums and deductibles here can move a deal's NOI by double digits. Treat the insurance binder as a Day-1 diligence item.
Fort Myers risk questions
Is Fort Myers, FL a high-risk area for real estate?
Fort Myers scores 99/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $433M per year.
What is the biggest natural hazard in Fort Myers?
The highest-rated hazard is hurricane (99.9/100), followed by coastal flood (97.4/100).
How does hazard risk affect property insurance in Fort Myers?
Coastal flood and hurricane exposure make property insurance the swing cost in this market. Premiums and deductibles here can move a deal's NOI by double digits. Treat the insurance binder as a Day-1 diligence item.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.