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

County · Flood risk

Check any address in Sarasota County

Quick facts

Homes on the tax roll

239,710

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Mar 2024

First flood map 1971

Flood insurance discount

25% off

Sarasota County, Community Rating System Class 5

Most flood claims in one storm

4,933

Hurricane Helene 2024, 3,862 paid

Homes with water, FEMA aid

2,631

Aid registrations reporting water inside, Hurricane Ian 2022

Sinkhole reports

10

Florida Geological Survey, mostly unverified

Past storms in Sarasota 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 Sarasota County
StormClaimsPaidAid, water inside
Hurricane Hermine 201620131
Hurricane Irma 201712648529
Tropical Storm Eta 20208463–
Hurricane Ian 20221,2928022,631
Hurricane Idalia 20231218972
South Florida flood June 20246044–
Hurricane Debby 20246095291,297
Hurricane Helene 20244,9333,8622,568
Hurricane Milton 20242,1411,2881,665

Frequently asked questions

Do I need flood insurance in Sarasota 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 Sarasota County took effect on March 27, 2024. 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 Sarasota County last updated?

The flood map in effect for Sarasota County took effect on March 27, 2024. The county's first flood map dates to July 31, 1971.

Is there a flood insurance discount in Sarasota County?

Sarasota 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 Sarasota County the most?

By National Flood Insurance Program claims across Sarasota County, the worst recent storms were Hurricane Helene 2024 (4,933 claims, 3,862 paid), Hurricane Milton 2024 (2,141 claims, 1,288 paid), and Hurricane Ian 2022 (1,292 claims, 802 paid). After Hurricane Ian 2022, 2,631 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 Sarasota County?

The Florida Geological Survey has 10 subsidence reports on file for Sarasota 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.

Sarasota County runs along the Gulf with Sarasota, Venice, and North Port, and barrier keys offshore.

Sarasota County has about 240,000 homes on the state tax roll. The FEMA flood map in effect for Sarasota County took effect on March 27, 2024; 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 4,933, followed by Hurricane Milton 2024 with 2,141. Sarasota 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 Sarasota 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 (final 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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