Flood Claims Map

Florida

Flood insurance claims in Manatee County, Florida

FEMA records 11,389 National Flood Insurance Program claims in Manatee County, Florida, since 1978, with $650.6 million paid in total. The year with the most claims was 2024, with 6,128. As of 3 August 2026, 17.3% of homes here had an NFIP policy, and 43.3% of homes in the high-risk flood zone did.

NFIP claims on record11,389
Total paid$650.6 million
Claims with a payment8,883
Homes with NFIP policy17.3%
High-risk zone homes insured43.3%
Residential policies in force28,439

Claims by year of loss

1978: 1019781979: 271980: 71981: 271982: 46919821983: 101984: 01985: 7521986: 1219861987: 151988: 2401989: 51990: 1719901991: 171992: 2951993: 3021994: 1519941995: 561996: 3721997: 2271998: 19719981999: 532000: 792001: 3022002: 2820022003: 1292004: 2302005: 212006: 320062007: 112008: 82009: 312010: 720102011: 72012: 842013: 192014: 820142015: 92016: 1212017: 2762018: 5620182019: 602020: 1562021: 42022: 12720222023: 3452024: 6,1282025: 92026: 620266,128

NFIP claims by year of loss, Manatee County, Florida

1978: $44519781979: $44,5291980: $1,2711981: $22,0481982: $1.4 million19821983: $46,6631984: $01985: $4.5 million1986: $19,15119861987: $26,7411988: $625,2501989: $1,2101990: $27,62119901991: $24,4871992: $1.2 million1993: $2.2 million1994: $15,37919941995: $241,6631996: $3.2 million1997: $1.4 million1998: $1.3 million19981999: $267,2572000: $381,8782001: $3.4 million2002: $93,14820022003: $1.2 million2004: $3.2 million2005: $284,8242006: $46420062007: $114,1282008: $19,6642009: $475,4282010: $20,61320102011: $3652012: $632,0802013: $136,8082014: $132,79320142015: $33,3202016: $2.1 million2017: $7.1 million2018: $10,57820182019: $67,9772020: $6.3 million2021: $64,9632022: $1.7 million20222023: $18.6 million2024: $587.8 million2025: $10,3172026: $02026$587.8 million

Paid on claims by year of loss (building, contents and increased cost of compliance), Manatee County, Florida

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Helene5,389
Hurricane Elena668
Flooding648
Hurricane Milton461
The 'No-Name Storm'458
Hurricane Josephine358
Blizzard of 1993291
Torrential rain285

ZIP codes with the most claims

ZIP code (as reported)Claims
342173,182
342282,061
342161,134
34221932
34208698
34210464
34243423
34209417
34205381
34207328

10,514 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $568.1 million, contents $81.9 million, increased cost of compliance $538,713.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone37,74916,35343.3%
All homes164,52628,43917.3%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.