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Flood insurance cost · Manatee County, FL

Flood insurance cost in Manatee County, Florida

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 25,061 home policies in force on August 31, 2026.

Manatee County, FloridaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$920a year

Half of insured homes paid between $611 and $1,637. That is 10% less than the Florida median ($1,017). The most common flood zone for insured homes here is zone AE (50%).

$0$611 · $920 · $1,637$2,046
+5.5% vs Aug 31, 2025 (median $872)
25,061home policies in force
$1,608average cost (mean)
53%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Manatee County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$3,295$1,430–$6,432$4,164223 (1%)+0.2%
Zone AE
High risk		$1,523$951–$3,262$2,40912,529 (50%)+8.9%
Zone A
High risk		$654$542–$819$724603 (2%)−0.3%
Zone X
Moderate to low risk		$656$523–$876$74711,698 (47%)+1.9%

Not shown (fewer than 10 home policies): AO, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Manatee County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home21,211$932$1,647
2–4 unit building658$1,890$2,967
Manufactured (mobile) home871$978$1,370
Condo or apartment unit2,321$671$953
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		1,989$3,853$6,700
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		1,138$2,158$4,022
28,188NFIP policies in force, any building
36,990insured units (condo association policies count every unit)
86%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Manatee County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force26,47625,061−5.3%
Median annual cost$872$920+5.5%
Average annual cost$1,498$1,608+7.3%
All policies in force (any building)29,60928,188−4.8%

How many homes have flood insurance?

17.3%of all homes in Manatee County have an NFIP policy
43.3%of homes in high-risk zones (special flood hazard area) have one
164,526residential buildings counted by FEMA
37,749of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Manatee County, Florida have filed 11,406 flood claims. 8,894 received a payment, for a total of $651.0 million (an average of $73,199 per paid claim). The year with the most claims was 2024 (6,130 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1978: 11 claims1979: 27 claims, 20 paid, $44,529 in total19801981: 28 claims, 15 paid, $22,048 in total1982: 478 claims, 368 paid, $1,413,060 in total19821983: 11 claims1985: 754 claims, 548 paid, $4,560,464 in total19851986: 12 claims1987: 15 claims, 14 paid, $26,741 in total1988: 240 claims, 141 paid, $625,250 in total1990: 17 claims19901991: 17 claims1992: 295 claims, 207 paid, $1,210,756 in total1993: 302 claims, 216 paid, $2,180,181 in total1994: 15 claims1995: 57 claims, 40 paid, $258,263 in total1996: 372 claims, 298 paid, $3,181,962 in total1997: 227 claims, 173 paid, $1,356,033 in total1998: 197 claims, 154 paid, $1,288,729 in total1999: 53 claims, 43 paid, $267,257 in total2000: 79 claims, 52 paid, $381,878 in total20002001: 302 claims, 205 paid, $3,433,457 in total2002: 28 claims, 15 paid, $93,148 in total2003: 129 claims, 95 paid, $1,218,761 in total2004: 230 claims, 172 paid, $3,217,945 in total2005: 21 claims, 11 paid, $284,824 in total2007: 11 claims2009: 31 claims, 25 paid, $475,428 in total20102012: 84 claims, 40 paid, $632,080 in total2013: 19 claims2016: 121 claims, 85 paid, $2,143,279 in total2017: 276 claims, 167 paid, $7,126,164 in total2018: 56 claims2019: 60 claims2020: 156 claims, 116 paid, $6,320,421 in total20202022: 126 claims, 37 paid, $1,638,134 in total2023: 345 claims, 285 paid, $18,634,084 in total2024: 6,130 claims, 5,277 paid, $588,244,182 in total2024
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (37)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20246,1305,277$588,244,182$111,473
2023345285$18,634,084$65,383
202212637$1,638,134$44,274
2020156116$6,320,421$54,486
201960<10––
201856<10––
2017276167$7,126,164$42,672
201612185$2,143,279$25,215
201319<10––
20128440$632,080$15,802
20093125$475,428$19,017
200711<10––
20052111$284,824$25,893
2004230172$3,217,945$18,709
200312995$1,218,761$12,829
20022815$93,148$6,210
2001302205$3,433,457$16,749
20007952$381,878$7,344
19995343$267,257$6,215
1998197154$1,288,729$8,368
1997227173$1,356,033$7,838
1996372298$3,181,962$10,678
19955740$258,263$6,457
199415<10––
1993302216$2,180,181$10,093
1992295207$1,210,756$5,849
199117<10––
199017<10––
1988240141$625,250$4,434
19871514$26,741$1,910
198612<10––
1985754548$4,560,464$8,322
198311<10––
1982478368$1,413,060$3,840
19812815$22,048$1,470
19792720$44,529$2,226
197811<10––

From 2016 to 2026: 7,270 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

ZIP codes in Manatee County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Unincorporated Manatee County (17,812 home policies) · Bradenton (2,227 home policies) · Holmes Beach (1,715 home policies) · Palmetto (1,101 home policies) · Anna Maria (931 home policies) · Longboat Key (926 home policies)