World’s Priciest Home Sale in Florida... With a 99.9% Flood Risk

A Naples estate sold for a record-setting $225 million, making it the most expensive home deal in Florida’s history—yet comes saddled with nearly a 100% flood risk over 30 years.

The property is actually a compound of three beachfront homes spanning over 15 acres with 800 feet of shoreline. It closed for $133.2M for the main home, $46.9M for the second structure, and $44.9M for the third—each part of the same sale.

The site registers an “extreme” (9/10) flood risk, and a staggering 99.90% probability of flooding in the next 30 years.

• Luxury at any price. For ultra-wealthy buyers, proximity to the Gulf, legacy value, and no state income tax often outweigh extreme environmental risk.

• Insurance and infrastructure strain. Florida already leads the nation with the highest home insurance premiums—and climate risks are pushing costs even higher.

• Eyes on resilience. This deal underscores the gap between luxury real estate demand and the realities of rising sea levels and insurance volatility.

Bottom line: This sale serves as a striking example of ultra-luxury real estate colliding with hard climate data. Flood risk is soaring—but for some buyers, the view is still worth it.