Flood Claims Map

Florida

Flood insurance claims in Sarasota County, Florida

FEMA records 14,415 National Flood Insurance Program claims in Sarasota County, Florida, since 1978, with $856.6 million paid in total. The year with the most claims was 2024, with 7,847. As of 3 August 2026, 17.9% of homes here had an NFIP policy, and 42.2% of homes in the high-risk flood zone did.

NFIP claims on record14,415
Total paid$856.6 million
Claims with a payment10,542
Homes with NFIP policy17.9%
High-risk zone homes insured42.2%
Residential policies in force37,772

Claims by year of loss

1978: 1319781979: 261980: 121981: 1091982: 51019821983: 511984: 51985: 4451986: 619861987: 621988: 1991989: 101990: 819901991: 121992: 9351993: 2381994: 1519941995: 4431996: 2081997: 2421998: 11019981999: 552000: 522001: 3742002: 1820022003: 2392004: 492005: 512006: 920062007: 72008: 112009: 82010: 1120102011: 62012: 832013: 362014: 1120142015: 112016: 442017: 2022018: 2420182019: 162020: 972021: 62022: 1,31620222023: 1462024: 7,8472025: 182026: 920267,847

NFIP claims by year of loss, Sarasota County, Florida

1978: $25,09119781979: $8,8961980: $3,4841981: $168,1531982: $1.6 million19821983: $240,3831984: $17,9281985: $2.6 million1986: $17,20119861987: $261,7871988: $1.3 million1989: $01990: $4,21019901991: $27,4831992: $6.5 million1993: $1.7 million1994: $13,07519941995: $3.0 million1996: $2.5 million1997: $3.3 million1998: $332,34619981999: $570,0342000: $548,8612001: $3.8 million2002: $15,52620022003: $3.6 million2004: $1.1 million2005: $211,2332006: $23,70420062007: $59,5502008: $27,8772009: $38,7582010: $22,58520102011: $29,9702012: $342,4372013: $222,7872014: $38620142015: $21,3102016: $517,6862017: $2.8 million2018: $234,23720182019: $27,9192020: $4.8 million2021: $47,1022022: $58.8 million20222023: $9.0 million2024: $746.1 million2025: $33,3872026: $02026$746.1 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Helene4,953
Hurricane Milton2,160
Hurricane Ian1,293
Flooding1,102
Hurricane Debby615
The 'No-Name Storm'478
Hurricane Elena393
Torrential rain339

ZIP codes with the most claims

ZIP code (as reported)Claims
342424,460
342231,350
342361,179
342851,111
34275912
34228852
34232741
34231699
34293681
34292408

12,529 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $754.7 million, contents $101.3 million, increased cost of compliance $675,612.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone41,80317,63942.2%
All homes210,45037,77217.9%

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.