FloodMaps
Map of FEMA flood zones in Manatee CountyTap the map to explore

County · Flood risk

Check any address in Manatee County

Quick facts

Homes on the tax roll

185,769

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Aug 2021

First flood map 1971

Flood insurance discount

25% off

Manatee County, Community Rating System Class 5

Most flood claims in one storm

5,356

Hurricane Helene 2024, 4,616 paid

Homes with water, FEMA aid

3,946

Aid registrations reporting water inside, Hurricane Helene 2024

Sinkhole reports

7

Florida Geological Survey, mostly unverified

Past storms in Manatee County

National Flood Insurance Program claims and FEMA aid registrations that reported water inside the home, for the whole county.

Flood claims and FEMA aid by storm in Manatee County
StormClaimsPaidAid, water inside
Hurricane Hermine 201610775189
Hurricane Irma 20179720833
Tropical Storm Eta 2020137106–
Hurricane Ian 202211130198
Hurricane Idalia 2023261213248
Hurricane Debby 2024222188555
Hurricane Helene 20245,3564,6163,946
Hurricane Milton 2024450160648

Frequently asked questions

Do I need flood insurance in Manatee County?

Lenders require flood insurance on a federally backed mortgage when the building is in one of FEMA's high-risk zones, the ones starting with A or V. The map that sets those zones in Manatee County took effect on August 10, 2021. Outside those zones insurance is optional, but claims come from moderate- and low-risk zones too, so it's worth checking the zone and the floor height of the exact home.

When was the FEMA flood map for Manatee County last updated?

The flood map in effect for Manatee County took effect on August 10, 2021. The county's first flood map dates to June 26, 1971.

Is there a flood insurance discount in Manatee County?

Manatee County is in FEMA's Community Rating System at Class 5, which takes 25% off National Flood Insurance Program premiums for policies inside the high-risk flood zone. Classes run from 10 to 1, and each step down adds 5% off.

Which storms flooded Manatee County the most?

By National Flood Insurance Program claims across Manatee County, the worst recent storms were Hurricane Helene 2024 (5,356 claims, 4,616 paid), Hurricane Milton 2024 (450 claims, 160 paid), and Hurricane Idalia 2023 (261 claims, 213 paid). After Hurricane Helene 2024, 3,946 FEMA aid registrations in the county reported water inside the home. Claims only count insured homes, so the real number of flooded homes is higher.

Are there sinkholes in Manatee County?

The Florida Geological Survey has 7 subsidence reports on file for Manatee County. Most reports were never verified, and a report near a home doesn't mean the ground under it is unstable. The full report lists the nearest ones.

Manatee County lies south of Tampa Bay, with Bradenton, Palmetto, Anna Maria Island, and the Manatee River.

Manatee County has about 186,000 homes on the state tax roll. The FEMA flood map in effect for Manatee County took effect on August 10, 2021; the county's first flood map dates to 1971. The storm that left the most flood insurance claims in the county was Hurricane Helene 2024, with 5,356, followed by Hurricane Milton 2024 with 450. Manatee County is in FEMA's Community Rating System at Class 5, which takes 25% off National Flood Insurance Program premiums for policies inside the high-risk flood zone.

On the Gulf coast, the worst floods come from hurricane storm surge pushed into bays, canals, and river mouths, and from heavy rain that can't drain while the tide is high. The storms we track for the Tampa Bay area are Hurricane Hermine 2016, Hurricane Irma 2017, Tropical Storm Eta 2020, Hurricane Ian 2022, Hurricane Idalia 2023, Hurricane Debby 2024, Hurricane Helene 2024, and Hurricane Milton 2024.

Search any address in Manatee County for a free report: its FEMA flood zone and whether insurance is required, its risk level, and its floor height against the flood line. The full report adds a 0 to 100 risk score, the flood insurance cost, the home's record in each storm we track, and a PDF to share.

Compiled by FloodMaps from FEMA, state, and county records. Data dates: 2026 county tax roll (preliminary values); flood claims and FEMA aid for storms from 2016 through Hurricane Milton (October 2024); FEMA map dates and insurance discounts as of October 8, 2026.

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