Water Damage Restoration in Cape Coral, FL
Cape Coral by the numbers: 20 flood report days from 2016 to 2025, 17 federal disaster declarations since 2016. Below: first steps, the records, Florida insurance rules and costs.
Updated November 2, 2026
First Steps for Water in a Home in Cape Coral
- Storm flooding: wait until the water stops rising and officials allow re-entry; wear boots and gloves (flooding steps).
- Stay clear of wet outlets and cords.
- Photograph the damage, then call your insurer.
How Often Cape Coral Floods
Lee County logged flooding on 20 days from 2016 to 2025 (25 NOAA reports), June most often.
At the Ft Myers Page Field Airport gauge, August is the wettest month with 10.4 inches on average.
Hurricanes, tropical storms or storm surge added 11 report days.
| Month | Flood report days | Normal precipitation (in) |
|---|---|---|
| January | 1 | 2.4 |
| February | 0 | 1.8 |
| March | 0 | 2.1 |
| April | 0 | 2.4 |
| May | 0 | 3.5 |
| June | 7 | 9.7 |
| July | 2 | 9.4 |
| August | 3 | 10.4 |
| September | 4 | 9 |
| October | 1 | 3.1 |
| November | 0 | 1.8 |
| December | 2 | 1.9 |
Storms and Disasters in Cape Coral
Lee County was named in 17 federal weather or fire declarations since 2016 (OpenFEMA).
Notable NOAA storm reports
- June 25, 2025: Hail, 1 inch hail (Lee County)Quarter size hail reported by the public in North Fort Myers.
- September 28, 2022: Hurricane (Lee County)The highest wind reported in Lee County from Hurricane Ian was a gust to 140 mph at a weatherSTEM station at the Cape Coral yacht club at 4:20 PM EST on September 28.
- January 16, 2022: Tornado, EF2 (Lee County)
- September 10, 2017: Flood (Lee County)
- January 15, 2016: Thunderstorm wind, 81 mph gust (Lee County)An NWS and Lee County Emergency Management storm survey found numerous homes that sustained straight-line wind damage. Damage included roof damage, fascia and pieces of lanai and pool screen enclosures being ripped from houses.
Federal disaster declarations
- October 11, 2024: Hurricane MiltonHurricane, FEMA DR-4834
- October 7, 2024: Hurricane MiltonHurricane, FEMA EM-3622
- September 28, 2024: Hurricane HeleneHurricane, FEMA DR-4828
- September 24, 2024: Tropical Storm HeleneTropical Storm, FEMA EM-3615
- August 10, 2024: Hurricane DebbyTropical Storm, FEMA DR-4806
- August 3, 2024: Tropical Storm DebbyTropical Storm, FEMA EM-3605
- August 31, 2023: Hurricane IdaliaHurricane, FEMA DR-4734
- August 28, 2023: Tropical Storm IdaliaTropical Storm, FEMA EM-3596
Cape Coral Housing at a Glance
Census figures for the city of Cape Coral (American Community Survey, 2020 to 2024): 100,679 housing units, a median build year of 2000, 15% built before 1980, 5% before 1970, 77% owner occupied.
Florida Insurance Rules for Water Claims
Florida insurers must review and acknowledge a claim communication within 7 calendar days and pay or deny a property claim within 60 days after notice (Fla. Stat. 627.70131).
Claim problems in Florida go to the Florida Department of Financial Services, Division of Consumer Services.
Flood damage needs a separate flood policy, which typically starts 30 days after purchase (FloodSmart). Look up Cape Coral flood zones on FEMA's flood maps.
Restoration Cost Guide for Cape Coral
| Typical range (national) | Cost |
|---|---|
| Most jobs | $1,305 to $5,707 |
| Sewage, per sq ft | $7 to $7.50 |
| Average insurer payout, water or freeze claim | $15,400 |
Sources: Bob Vila, May 2023; III, 2019 to 2023.
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Questions
Does Florida license mold assessment or remediation?
Florida law bars anyone from performing or offering mold assessment without meeting the state's mold assessor licensing law (Fla. Stat. 468.8419).
How fast does mold start?
Dry wet materials within 24 to 48 hours (EPA).
Sources: NOAA Storm Events, NOAA normals, OpenFEMA, Census ACS, Fla. Stat. 627.70131, Fla. Stat. 468.8419, EPA mold guide.