Is Lee County, FL in a flood zone?
FEMA's National Risk Index puts Lee County's flood hazard at the 97.4th percentile nationally — among the highest flood hazard in the country — split between inland river flooding (about 1.4 times a year) and coastal storm surge (about 2.9 times a year). County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
Out of 145,195 homes FEMA counts inside Lee County's mapped flood zone, 68,931 carry the flood policy federal law requires there — 47.5% compliance, short of full coverage. Across all residential structures in Lee County, not just the ones FEMA mandates, 24.3% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Lee County against the rest of the country
Lee County sits at rank 92 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 73 of 3144 by population (1 is biggest). Lee County, Florida covers 781.182 square miles and counts roughly 860,959 residents.
Your street may differ from Lee County's average
84,120 of Lee County's 346,951 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Lee County's numbers. Because storm surge plays a real role here, the guide to coastal vs. inland flood hazard is worth reading alongside this page.