Water Damage & Mold Remediation in Marco Island, FL
Water in your home or signs of mold? Call to be connected with an independent, local restoration provider serving Marco Island and Collier County.
Call (000) 000-0000Updated November 6, 2026. Local figures from FEMA and NOAA data, with sources below.
Marco Island water and flood risk by the numbers
| Flood insurance claims filed since 1992 | 1,815[1] |
|---|---|
| Total paid on those claims (nominal dollars) | $47.0 million[1] |
| Claims filed since 2015 | 1,729[1] |
| Average payout per paid claim | $45,600[1] |
| Share of claims from outside FEMA high-risk flood zones | 0.2%[1] |
| Collier County homes with NFIP flood insurance | 29.5%[2] |
| Federal major disaster declarations covering Collier County since 2000 | 20[3] |
| Average annual rainfall (Naples Municipal Airport) | 49.5 inches[4] |
| Days per year with 0.1 inch or more of rain | 72[4] |
Want the full statewide table? See Florida flood claims by city.
What the data says for Marco Island homeowners
The average paid flood claim in Marco Island is $45,600, about 74% of the statewide average of $61,615[1]. 95% of Marco Island's claims were filed in 2015 or later, versus 44.9% statewide.
Flood claims history
FEMA records show 1,815 National Flood Insurance Program claims filed in Marco Island since 1992, with $47.0 million paid out[1]. The events behind the most claims were Hurricane Ian and Hurricane Irma. 95% of those claims were filed in 2015 or later.
Flood zones
Most Marco Island flood claims come from mapped high-risk zones: only 0.2% of claims with a recorded zone were outside them[1]. If your home is in an A or V zone, check that your flood policy is current before storm season.
Flood insurance gap
Only 29.5% of homes in Collier County carry NFIP flood insurance[2]. Uninsured flood damage is paid out of pocket, which makes fast drying to limit the damage even more important.
Rain and humidity
Marco Island averages 50 inches of rain a year, with 0.1 inch or more of rain on about 72 days and 24 inches falling in June through August alone[4]. Warm, wet conditions like these are why wet drywall, carpet pad and cabinets need to be dried quickly after any leak.
Disaster history
Collier County has been included in 20 federal major disaster declarations since 2000[3], including Hurricane Milton (2024), Hurricane Helene (2024), Hurricane Debby (2024), Hurricane Idalia (2023).
What to do right now
- Stay away from wet electrical equipment; if reaching the breaker means walking through water, call an electrician[7][8].
- Stop the source, then photograph everything and keep receipts[9].
- Start drying within 24 to 48 hours[10]. Full step-by-step guide.
Ready to talk to a provider? Call (000) 000-0000
Marco Island flood claims in detail
The storms behind Marco Island's flood claims
| Event (FEMA label) | Claims | Paid |
|---|---|---|
| Hurricane Ian | 1,040 | $35.8 million |
| Hurricane Irma | 530 | $9.6 million |
| Hurricane Milton | 77 | $1.0 million |
| Hurricane Wilma | 45 | $13,041 |
| Hurricane Helene | 31 | $367,275 |
| Tropical Storm Alex | 4 | $0 |
Hurricane Ian produced the most claims in Marco Island[1].
Worst years
The years with the most Marco Island flood claims were 2022: 1,062 claims ($35.8 million); 2017: 540 claims ($9.7 million); 2024: 109 claims ($1.4 million); 2005: 50 claims ($13,041)[1].
Flood zone mix
Of 1,677 Marco Island claims with a recorded flood zone: 94% in zone A (high risk), 6% in zone V (coastal high hazard)[1].
Marco Island compared with nearby cities
| City | Claims (all years) | Since 2015 | Avg paid claim | Outside high-risk zone |
|---|---|---|---|---|
| Marco Island | 1,815 | 1,729 | $45,600 | 0.2% |
| Naples | 4,599 | 4,214 | $164,023 | 0.9% |
| Bonita Springs | 2,868 | 2,809 | $124,489 | 5.5% |
| Fort Myers | 1,025 | 788 | $94,299 | 14.0% |
| Cape Coral | 7,173 | 6,399 | $103,608 | 4.2% |
| Port Charlotte | 2,693 | 2,062 | $60,564 | 5.2% |
Source: FEMA NFIP claims[1].
Florida rules in brief
- Report a new claim within 1 year of the date of loss[11]. Most homeowners insurance does not cover flood[5]. Florida water damage claims explained.
- Mold remediation over 10 square feet requires a Florida license, issued to individuals; verify it with DBPR[12][13][14]. How mold remediation works.
- Costs: national guides put typical mold remediation at about $1,100 to $6,000 and water damage restoration at about $1,300 to $6,400[15][16][17][18]. Mold cost ยท Water damage cost.
Areas served
Calls from Marco Island are connected with independent providers serving Collier County. ZIP codes include: 34145, 34146[19].
Nearby: Naples, Bonita Springs, Fort Myers, Cape Coral, Port Charlotte, Homestead.
Marco Island water damage and mold questions
How many flood insurance claims have been filed in Marco Island?
1,815 since 1992, 1,729 of them since 2015, with $47.0 million paid in nominal dollars[1]. The average paid flood claim in Marco Island is $45,600, about 74% of the statewide average of $61,615[1]. 95% of Marco Island's claims were filed in 2015 or later, versus 44.9% statewide.
Which storm caused the most flood claims in Marco Island?
Hurricane Ian, with 1,040 claims in FEMA's records[1]. It was also the costliest, at $35.8 million paid.
Can a Marco Island home flood outside a flood zone?
Yes. 0.2% of Marco Island claims with a recorded zone came from outside high-risk areas[1]. Most homeowners insurance does not cover flood[5], and new NFIP policies usually have a 30-day wait[6].
How much rain does Marco Island get?
About 50 inches a year at Naples Municipal Airport, with 24 inches in June through August and about 72 days with 0.1 inch or more[4].
Sources
Every figure on this page links to its source. Statutes are from the 2026 Florida Statutes. FEMA and NOAA figures were downloaded on 6 November 2026.
- FIMA NFIP Redacted Claims dataset, Florida records (analysis by RestoreNow USA). FEMA OpenFEMA. https://www.fema.gov/openfema-data-page/fima-nfip-redacted-claims-v2 Downloaded 6 Nov 2026. Dollar amounts are nominal (not adjusted for inflation).
- NFIP Residential Penetration Rates. FEMA OpenFEMA. https://www.fema.gov/openfema-data-page/nfip-residential-penetration-rates-v1 Data as of 2026-08-03.
- Disaster Declarations Summaries. FEMA OpenFEMA. https://www.fema.gov/openfema-data-page/disaster-declarations-summaries-v2
- U.S. Climate Normals 1991-2020, annual and seasonal. NOAA National Centers for Environmental Information. https://www.ncei.noaa.gov/products/land-based-station/us-climate-normals
- FloodSmart.gov home page. FEMA, National Flood Insurance Program (FloodSmart.gov). https://www.floodsmart.gov/ Accessed 6 Nov 2026.
- Buy a Flood Insurance Policy. FEMA, National Flood Insurance Program (FloodSmart.gov). https://www.floodsmart.gov/get-insured/buy-a-policy Accessed 6 Nov 2026.
- Hurricanes. Ready.gov (FEMA). https://www.ready.gov/hurricanes Accessed 6 Nov 2026.
- Safety Guidelines: Reentering Your Flooded Home. U.S. Centers for Disease Control and Prevention. https://www.cdc.gov/floods/safety/reentering-your-flooded-home-safety.html Accessed 6 Nov 2026.
- Section 627.7142, 2026 Florida Statutes. The Florida Senate (Florida Statutes). https://www.flsenate.gov/Laws/Statutes/2026/627.7142 Accessed 6 Nov 2026.
- A Brief Guide to Mold, Moisture and Your Home. U.S. Environmental Protection Agency. https://www.epa.gov/mold/brief-guide-mold-moisture-and-your-home Accessed 6 Nov 2026.
- Section 627.70132, 2026 Florida Statutes. The Florida Senate (Florida Statutes). https://www.flsenate.gov/Laws/Statutes/2026/627.70132 Accessed 6 Nov 2026.
- Section 468.8411, 2026 Florida Statutes. The Florida Senate (Florida Statutes). https://www.flsenate.gov/Laws/Statutes/2026/468.8411 Accessed 6 Nov 2026.
- Mold-Related Services: FAQs. Florida Department of Business and Professional Regulation. https://www2.myfloridalicense.com/mold-related-services/faqs/ Accessed 6 Nov 2026.
- Mold-Related Services. Florida Department of Business and Professional Regulation. https://www2.myfloridalicense.com/mold-related-services/ Accessed 6 Nov 2026.
- Mold removal cost. HomeGuide. https://homeguide.com/costs/mold-removal-cost Accessed 6 Nov 2026.
- Mold Remediation Cost Guide: What to Know + How Much You'll Pay. Bob Vila. https://www.bobvila.com/articles/mold-remediation-cost/ Accessed 6 Nov 2026.
- How Much Does Water Damage Restoration Cost?. HomeAdvisor. https://www.homeadvisor.com/cost/disaster-recovery/repair-water-damage/ Accessed 6 Nov 2026.
- How Much Does Water Damage Restoration Cost?. Bob Vila. https://www.bobvila.com/articles/water-damage-restoration-cost/ Accessed 6 Nov 2026.
- US postal codes. GeoNames (CC BY 4.0). https://download.geonames.org/export/zip/