It has been observed that a considerable number of homes in Naples Reserve are not affected by the new Flood Insurance Rate Map (FIRM) that was updated on February 8, 2024.
Although the top-level flood map offers a general idea of the flood zone areas, it does not provide specific information for each property. Therefore, it’s essential for each homeowner to determine their property's elevation rating to ensure its safety. The following summary information may help you determine your property’s rating but for more comprehensive information, visit FEMA.GOV.
During the development of Naples Reserve, many builders used fill material to raise the elevation of the structures. As a result, if a property or structure has been elevated by earthen fill and would not be inundated by the base flood, FEMA issues a letter removing it from the Special Flood Hazard Area (SFHA). The new owner is given a Letter of Map Revision-Based on Fill (LOMR-F) for their property at closing.
On February 08, 2024, FEMA issued revised panels for the area that includes Naples Reserve. Our Flood Insurance Rate Map (FIRM), which was previously designated as Zone X, was revised to Zone AE.
On February 9, 2024, the Federal Emergency Management Agency (FEMA) "RE-VALIDATED" previously issued Letters of Map Revision-Based on Fill (LOMR-F), retaining the Flood Hazard Area Zone "X". Most of the homes in Naples Reserve, including the Island Club structures, will NOT be affected by this revised Flood Insurance Rate Map (FIRM) and are NOT required to have flood insurance. However, property owners should still determine their risk and decide if they need flood insurance.
A flood insurance policy is different from basic hazard insurance coverage, which is usually included in a homeowners insurance policy. While standard homeowners insurance covers interior water damage caused by storms or burst pipes, it typically doesn't cover the destruction or damage caused by floodwaters.
Flood insurance works similarly to other insurance products. The property owner, also known as the insured, pays an annual premium based on the property's flood risk and the deductible they choose. However, before purchasing flood insurance, it's vital to do your research. Insurers and lenders usually don't go beyond the top-level FEMA Flood Insurance Rate Map for a specific address. They may try to sell you a policy for a higher-rated zone, which can be expensive.
If you decide to buy flood insurance, even if you're not in a mandatory flood zone, there are several advantages to having coverage.
Note: This is only a summary. For actual details, visit FEMA.gov.
With hurricane season upon us, we wanted to remind everyone that hasn't had their Coconut Palms trimmed to please consider doing so as soon as possible. You can reach out to Brightview for an estimate or any tree trimming company of your choice. Remember that flying coconuts can be a hazard to you and your neighbors.
A TROPICAL STORM WARNING and a HURRICANE WATCH are in effect for the area of Southwest Florida, which includes Collier County and Naples Reserve HOA.
TROPICAL STORM WARNING means sustained winds of 39 to 73 mph are expected within your area within 36 hours
HURRICANE WATCH means sustained wind of 74 mph or greater are possible. A Hurricane watch is issued 48 hours in advance.
Be alert to further developments which may require you to take immediate safety precautions. Go to HURRICANE MILTON (noaa.gov) for the latest information from the National Hurricane Center.
Naples Reserve is in Evacuation Zone 'D'
Please prepare NOW by:
1) Removing all furniture and loose objects from lanais.
2) Stay in tune with local weather stations for updates.
If you have a dock and/or watercraft, we ask that you take the necessary steps to secure them.
While the lake levels are high they are designed to overflow into the strand if necessary and have so far, this summer, worked as designed though it may take some time for individual drainage swales to clear because the lakes are so high.
Also, please remember In the event of a power outage, the entry and exit gates by the guardhouse will default to the open position. However, as part of the safety protocol from our gate access vendor (St. Moritz), all guards will be removed from duty once winds reach 40 mph. This may happen before a power outage occurs. Should the guards be sent home, the remote guard services for guest access via the callbox will be activated .
The Emergency Egret Gate will be opened if the main entrance and exit roads become blocked.
Latitudes Cafe and Tiki Bar operations will be closed on Tuesday, 10/8, and Wednesday, 10/9. Further closures will depend on the storm's impact.
The Management office will also be closed on Tuesday, 10/8, and Wednesday, 10/9. The remainder of the week will be determined by the storm's effects. Please note: team members will be on-site Tuesday, focused on the final stages of storm preparation.
Storm Preparations:
Please see the below notice from Brightview regarding their schedule and preparations.
If you have any questions or concerns, please don’t hesitate to reach out. Also, please make sure to finalize your personal storm preparations as soon as possible. Thank you, and stay safe!
Do not leave preparations for the last minute!