Is Naples, FL Safe to Buy? Home Safety Score 69/100
Score 69/100 · Risk: moderate · Water Grade C · Updated 2026-05-03
Naples has moderate risk. Some factors warrant attention during the home buying process.
Data: EPA SDWIS, FEMA NFIP, Census ACS, EPA Radon Zones Last verified: 2026-05-03
Proportionally, safety repair costs in Naples represent a modest share of what most homeowners carry in property equity.
What is a home safety score?
The home safety score (0-100) combines multiple environmental risk factors into a single number: water quality grade, lead contamination levels, flood zone exposure, radon risk, and air quality. A higher score means lower overall risk. The score helps homebuyers compare neighborhoods at a glance. Naples scores 69/100 with a "moderate" risk level.
Remediation Cost Breakdown
Estimated costs to address safety issues for a typical home in Naples:
Cost ranges are estimates based on national averages. Actual costs vary by property. Get 3 quotes before proceeding.
Per-ZIP Home Safety Scores
Safety scores vary across Naples's 17 ZIP codes.
| ZIP Code | Score | Grade | |
|---|---|---|---|
| 34102 | 61 | C | View report → |
| 34103 | 61 | C | View report → |
| 34108 | 61 | C | View report → |
| 34112 | 61 | C | View report → |
| 34104 | 66 | C | View report → |
| 34110 | 66 | C | View report → |
| 34113 | 66 | C | View report → |
| 34114 | 66 | C | View report → |
| 34105 | 71 | B | View report → |
| 34109 | 71 | B | View report → |
| 34116 | 71 | B | View report → |
| 34117 | 71 | B | View report → |
| 34119 | 71 | B | View report → |
| 34120 | 71 | B | View report → |
| 34101 | 81 | B | View report → |
Home Safety Overview
Naples, Florida has moderate risk for homebuyers. The average home safety score is 69/100 across 17 ZIP codes. Some risk factors warrant attention during the home buying process.
Safety Score Card
A composite view of Naples's key risk indicators:
| Risk Factor | Value | Assessment |
|---|---|---|
| Water Quality | Grade C (69/100) | Moderate risk |
| Lead Risk | 0.0012 mg/L | Low risk |
| Flood Risk | 82% in flood zones | Elevated risk |
| Radon | Zone 3 (Low) | Low risk |
| Air Quality | AQI 55 (Moderate) | Moderate risk |
Cost to Fix: Remediation Breakdown
Estimated costs to address safety issues for a typical home in Naples:
| Component | Estimated Cost |
|---|---|
| Flood Insurance | $2K |
| Pfas | $257 |
| Total (low estimate) | $2K |
| Total (mid estimate) | $2K |
| Total (high estimate) | $3K |
Cost ranges are estimates based on national averages and local data. Actual costs vary by property condition, contractor, and scope of work. Get 3 quotes before proceeding.
Per-ZIP Home Safety Scores
Home safety varies across Naples's ZIP codes. Lower scores indicate more risk factors:
| ZIP Code | Safety Score | Grade |
|---|---|---|
| 34102 | 61 | C |
| 34103 | 61 | C |
| 34108 | 61 | C |
| 34112 | 61 | C |
| 34104 | 66 | C |
| 34110 | 66 | C |
| 34113 | 66 | C |
| 34114 | 66 | C |
| 34105 | 71 | B |
| 34109 | 71 | B |
| 34116 | 71 | B |
| 34117 | 71 | B |
| 34119 | 71 | B |
| 34120 | 71 | B |
| 34101 | 81 | B |
Safety scores range from 61 (34102) to 81 (34107) — a spread of 20 points.
Naples vs. Nearby Florida Cities
How Naples's overall risk compares to similar cities in Florida:
| City | Water Grade | Lead ZIPs Over Limit | Flood Claims | Population |
|---|---|---|---|---|
| Naples | C | 0 | 11,412 | 311,385 |
| Pensacola | B | 0 | 9,759 | 304,591 |
| Sebastian | C | 0 | 362 | 294,646 |
| Cocoa | A | 0 | 434 | 294,039 |
Homebuyer Safety Checklist for Naples
Before purchasing a home in Naples, Florida, complete these checks:
Water Quality
- Request the latest Consumer Confidence Report (CCR) from the water utility
- Test tap water for lead, bacteria, and nitrates ($20-$50 for DIY kit)
Radon
- Conduct a radon test ($15-$30 for short-term kit, $150-$300 for professional)
Flood Risk
- Check the property's FEMA flood zone at msc.fema.gov
- Ask about flood history and past insurance claims
- 82% of Naples is in flood zones — verify insurance requirements
Lead Paint & Pipes
- For homes built before 1978: request lead paint disclosure
- For homes built before 1986: inspect plumbing for lead solder and pipes
General
- Check for carbon monoxide detectors on every level
- Inspect for visible mold, water stains, or musty odors
- Verify the home's connection to a regulated public water system
Data Sources
- Water quality: EPA SDWIS
- Lead: EPA Lead and Copper Rule
- Flood: FEMA NFIP
- Radon: EPA Radon Zones
- Air quality: EPA AirNow
- Home values: U.S. Census Bureau ACS B25077
- Remediation costs: National cost model (EPA, Census, FEMA data)
Updated daily.
Water Quality Map: Naples, FL
Each dot represents a ZIP code. Color indicates water quality grade. Tap a dot for details.
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