Where did Hurricane Irma make landfall in Collier County?

On Marco Island, on September 10, 2017, as a Category 3 hurricane, just south of Naples.

Did Hurricane Ian flood Naples?

Yes. Reports on the National Hurricane Center's findings put Ian's storm surge at about 6 feet in parts of Naples in 2022.

Does homeowners insurance cover surge in Naples?

No. Storm surge is flood damage, which requires a separate NFIP or private flood policy.

Collier County

Home and auto insurance in Naples and Collier County

By the Florida Coverage Compare editorial team · Last updated October 31, 2026

The short answer

Collier County has taken two major hits in five years. Hurricane Irma made landfall on Marco Island on September 10, 2017, as a Category 3 hurricane, according to the National Hurricane Center. In 2022, Hurricane Ian's storm surge reached about 6 feet in parts of Naples. Coastal Collier homes need both strong wind coverage and a flood policy.

Irma at Marco Island

After crossing the Florida Keys, Irma made its second Florida landfall on Marco Island on the afternoon of September 10, 2017. NOAA describes it as a Category 3 hurricane at that landfall, just south of Naples.

Ian's surge in Naples

Hurricane Ian made landfall to the north in Lee County in 2022, but its surge still reached Collier. Reports on the National Hurricane Center's findings put surge at about 6 feet in parts of Naples. Surge is flood damage, which homeowners policies exclude.

Flood and the 50% rule

Communities in FEMA's flood program apply the substantial damage rule: when repairs cost 50% or more of a home's pre-damage market value, it must meet current flood requirements, which can mean elevating. NFIP policies include Increased Cost of Compliance coverage that can help pay for that.

Auto insurance in Naples and Collier

Collier County drivers carry Florida's minimums: $10,000 PIP and $10,000 property damage liability. Ian's surge flooded cars in garages across Naples; comprehensive coverage is what pays for that.

Common questions in Naples and Collier

Where did Hurricane Irma make landfall in Collier County?: On Marco Island, on September 10, 2017, as a Category 3 hurricane, just south of Naples.
Did Hurricane Ian flood Naples?: Yes. Reports on the National Hurricane Center's findings put Ian's storm surge at about 6 feet in parts of Naples in 2022.
Does homeowners insurance cover surge in Naples?: No. Storm surge is flood damage, which requires a separate NFIP or private flood policy.

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General information, not insurance advice. Florida Coverage Compare is not an insurance company or agent. Confirm details with a licensed agent or the official source.