Climate risk in Naples, Florida.
Surge from Ian, and the Florida insurance market post-2022.
Naples took a direct hit from Ian (2022) and remains one of the most surge-exposed metros on the Gulf. Insurance is broadly available but expensive; new-build stock is well-hardened, older Gulf-side stock less so.
Peril breakdown
Storm surge and coastal flooding. Ian rewrote the maps.
Some WUI on the eastern edge.
Sustained hurricane wind.
Rising nights above 80°F.
Insurability
Florida market stress applies. Citizens exposure is elevated; premiums high.
20-year outlook
Continued warm Gulf temperatures drive stronger surge. Insurance normalization slow.
If you're buying in Naples
Post-2002 construction, elevation above surge zone, impact glass, hardened roof. Get written homeowner's + flood quote before contract.
Related reading: buying in a climate-safe area, questions to ask before buying, home insurance and climate change.
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