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Coastal inundation from hurricane storm surges causes catastrophic damage to lives and property, as evidenced by recent hurricanes including Katrina and Wilma in 2005 and Ike in 2008. Changes in hurricane activity and sea level due to a warming climate, together with growing coastal population, are expected to increase the potential for loss of property and lives. Current inundation hazard maps: Base Flood Elevation maps and Maximum of Maximums are computationally expensive to create in order to fully represent the hurricane climatology, and do not account for climate change. This paper evaluates the coastal inundation hazard in Southwest Florida for present and future climates, using a high resolution storm surge modeling system, CH3D-SSMS, and an optimal storm ensemble with multivariate interpolation, while accounting for climate change. Storm surges associated with the optimal storms are simulated with CH3D-SSMS and the results are used to obtain the response to any storm via interpolation, allowing accurate representation of the hurricane climatology and efficient generation of hazard maps. Incorporating the impact of anticipated climate change on hurricane and sea level, the inundation maps for future climate scenarios are made and affected people and property estimated. The future climate scenarios produce little change to coastal inundation, due likely to the reduction in hurricane frequency, except when extreme sea level rise is included. Calculated coastal inundation due to sea level rise without using a coastal surge model is also determined and shown to significantly overestimate the inundation due to neglect of land dissipation.