Water Risk Profile — ZIP 33907
Flood risk, local cost data, climate factors, and insurance context for your ZIP code.
Flood Risk
Very High
Cost Range
$3,800–$22,000
Avg Response
38 min
NFIP
State participates
Local Climate & Risk Factors
Cape Coral is a canal city — 400+ miles of navigable waterways make it one of the most flood-vulnerable large cities in the US. Hurricane Ian (September 2022) caused catastrophic flooding with 12–18 ft surge, destroying or severely damaging thousands of homes. The canal system, while scenic, means most properties have water on two to four sides. Any significant storm event can overwhelm canal banks. Fort Myers (adjacent) experienced similar devastation. Saltwater intrusion from storm surge creates severe corrosion issues requiring complete plumbing replacement in affected homes.
Flood-prone areas: Cape Coral Estates and Pelican neighborhoods near the river are highest surge risk. Southeast Cape and Cape Coral Parkway corridor are lower elevation. Yacht Club area and waterfront canal properties have highest restoration costs post-storm.
Water Category Cost Table — Cape Coral, FL
Extraction & drying cost per square foot by IICRC water category
| Water Category | $/sq ft |
|---|---|
| Category 1 — Clean Burst supply line, clean appliance overflow | $6.38–$16.86 |
| Category 2 — Gray Dishwasher, washing machine, toilet bowl (no feces) | $16.86–$20.41 |
| Category 3 — Black Sewage backup, floodwater, toilet overflow with feces | $23.96–$30.8 |
Estimates exclude reconstruction (drywall, flooring replacement). National benchmarks: Cat 1 $3.75–$4.25, Cat 2 $4.10–$6.50, Cat 3 $7–$7.50/sq ft — adjusted for Cape Coral market (7.5–28/sq ft range).