Property Atlas

County hazard profile

Manatee, FL

Florida · pop. 399,485 · FIPS 12081

Relatively High
FEMA risk rating · RATING
Hurricane
dominant hazard
$255M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

higher than 79% of counties

national median $15M/yr Manatee $255M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively High 97.55/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 54.83/100
national median ~50 near the national middle (55th percentile)
Community resilienceRelatively Low 22.77/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Manatee

The National Flood Insurance Program has paid 11,383 flood-insurance claims totaling $647.3M in Manatee since 1978. The costliest year was 2024 ($584.4M paid).

Flood-insurance dollars paid by year of loss

1978: $445 paid 1979: $44,529 paid 1980: $1,271 paid 1981: $22,048 paid 1982: $1,398,314 paid 1983: $46,663 paid 1985: $4,548,746 paid 1986: $19,151 paid 1987: $26,741 paid 1988: $625,250 paid 1989: $1,210 paid 1990: $27,621 paid 1991: $24,487 paid 1992: $1,210,756 paid 1993: $2,180,181 paid 1994: $15,379 paid 1995: $241,663 paid 1996: $3,181,962 paid 1997: $1,356,033 paid 1998: $1,288,729 paid 1999: $267,257 paid 2000: $381,878 paid 2001: $3,433,457 paid 2002: $93,148 paid 2003: $1,218,761 paid 2004: $3,217,945 paid 2005: $284,824 paid 2006: $464 paid 2007: $114,128 paid 2008: $19,664 paid 2009: $475,428 paid 2010: $20,613 paid 2011: $365 paid 2012: $632,080 paid 2013: $136,808 paid 2014: $132,793 paid 2015: $33,320 paid 2016: $2,143,279 paid 2017: $7,126,164 paid 2018: $10,578 paid 2019: $67,977 paid 2020: $6,320,421 paid 2021: $64,963 paid 2022: $1,761,826 paid 2023: $18,634,084 paid 2024: $584,423,606 paid 2025: $10,317 paid 2026: $0 paid 2024 · $584.4M 1978 2026
$647.3M
total paid
$56,864
average claim
$4.2M
largest single claim
92%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Manatee, FL and where it ranks among U.S. counties. It is not a verdict on whether Manatee is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.