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Flood insurance cost · Sarasota County, FL

Flood insurance cost in Sarasota County, Florida

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 33,947 home policies in force on August 31, 2026.

Sarasota County, FloridaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,114a year

Half of insured homes paid between $804 and $1,692. That is 10% more than the Florida median ($1,017). Most insured homes here are rated in zone X (57%).

$0$804 · $1,114 · $1,692$2,115
+6.5% vs Aug 31, 2025 (median $1,046)
33,947home policies in force
$1,679average cost (mean)
43%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 Sarasota 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		$1,412$908–$3,340$2,638453 (1%)+9.1%
Zone AE
High risk		$1,621$1,007–$3,237$2,48113,704 (40%)+9.1%
Zone A
High risk		$997$749–$1,378$1,138205 (1%)+4.6%
Zone AO
High risk, shallow		$1,542$1,084–$3,634$3,084182 (1%)+14.2%
Zone AH
High risk, shallow		$700$660–$776$74315 (0%)–
Zone X
Moderate to low risk		$999$725–$1,263$1,08319,388 (57%)+7.4%

Not shown (fewer than 10 home policies): 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 Sarasota County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home28,312$1,168$1,779
2–4 unit building433$1,332$2,278
Manufactured (mobile) home906$1,510$1,657
Condo or apartment unit4,296$690$967
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.		2,375$4,624$10,702
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		1,697$2,788$4,562
38,019NFIP policies in force, any building
59,518insured units (condo association policies count every unit)
85%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Sarasota 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 force36,51533,947−7.0%
Median annual cost$1,046$1,114+6.5%
Average annual cost$1,562$1,679+7.5%
All policies in force (any building)40,72138,019−6.6%

How many homes have flood insurance?

17.9%of all homes in Sarasota County have an NFIP policy
42.2%of homes in high-risk zones (special flood hazard area) have one
210,450residential buildings counted by FEMA
41,803of 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 Sarasota County, Florida have filed 14,428 flood claims. 10,551 received a payment, for a total of $856.8 million (an average of $81,207 per paid claim). The year with the most claims was 2024 (7,847 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1978: 13 claims1979: 27 claims, 13 paid, $9,603 in total1980: 12 claims19801981: 111 claims, 73 paid, $168,734 in total1982: 515 claims, 364 paid, $1,563,065 in total1983: 51 claims, 35 paid, $240,383 in total1985: 446 claims, 330 paid, $2,633,327 in total1987: 62 claims, 45 paid, $261,787 in total1988: 199 claims, 112 paid, $1,277,336 in total1989: 10 claims19901991: 12 claims1992: 936 claims, 661 paid, $6,530,626 in total19921993: 239 claims, 144 paid, $1,672,971 in total1994: 15 claims1995: 443 claims, 294 paid, $2,952,851 in total1996: 208 claims, 165 paid, $2,514,265 in total1997: 243 claims, 200 paid, $3,322,159 in total1998: 110 claims, 61 paid, $332,346 in total1999: 55 claims, 28 paid, $570,034 in total2000: 52 claims, 29 paid, $548,861 in total20002001: 374 claims, 212 paid, $3,831,376 in total2002: 18 claims2003: 239 claims, 177 paid, $3,622,312 in total2004: 49 claims, 24 paid, $1,126,567 in total2005: 51 claims, 25 paid, $211,233 in total2008: 11 claims2010: 11 claims20102012: 83 claims, 27 paid, $342,437 in total2013: 36 claims, 17 paid, $222,787 in total2014: 11 claims2015: 11 claims2016: 44 claims, 22 paid, $517,686 in total2017: 202 claims, 96 paid, $2,801,630 in total2018: 24 claims2019: 16 claims2020: 97 claims, 69 paid, $4,838,050 in total20202022: 1,317 claims, 837 paid, $58,831,484 in total20222023: 146 claims, 111 paid, $9,005,140 in total2024: 7,847 claims, 6,317 paid, $746,175,668 in total20242025: 18 claims
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 (40)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202518<10––
20247,8476,317$746,175,668$118,122
2023146111$9,005,140$81,127
20221,317837$58,831,484$70,289
20209769$4,838,050$70,117
201916<10––
201824<10––
201720296$2,801,630$29,184
20164422$517,686$23,531
201511<10––
201411<10––
20133617$222,787$13,105
20128327$342,437$12,683
201011<10––
200811<10––
20055125$211,233$8,449
20044924$1,126,567$46,940
2003239177$3,622,312$20,465
200218<10––
2001374212$3,831,376$18,073
20005229$548,861$18,926
19995528$570,034$20,358
199811061$332,346$5,448
1997243200$3,322,159$16,611
1996208165$2,514,265$15,238
1995443294$2,952,851$10,044
199415<10––
1993239144$1,672,971$11,618
1992936661$6,530,626$9,880
199112<10––
198910<10––
1988199112$1,277,336$11,405
19876245$261,787$5,817
1985446330$2,633,327$7,980
19835135$240,383$6,868
1982515364$1,563,065$4,294
198111173$168,734$2,311
198012<10––
19792713$9,603$739
197813<10––

From 2016 to 2026: 9,711 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 Sarasota County

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

Main NFIP communities in the county

Unincorporated Sarasota County (24,260 home policies) · North Port (3,445 home policies) · Venice (2,493 home policies) · Sarasota (2,479 home policies) · Longboat Key (1,259 home policies)