Property Atlas

County hazard profile

Sarasota, FL

Florida · pop. 433,908 · FIPS 12115

Relatively High
FEMA risk rating · RATING
Lightning
dominant hazard
$273M
modeled expected annual loss/yr

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

higher than 84% of counties

national median $15M/yr Sarasota $273M

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 98.16/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively High 67.02/100
national median ~50 near the national middle (67th percentile)
Community resilienceVery Low 9.19/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Sarasota

The National Flood Insurance Program has paid 14,410 flood-insurance claims totaling $854.3M in Sarasota since 1978. The costliest year was 2024 ($743.5M paid).

Flood-insurance dollars paid by year of loss

1978: $25,091 paid 1979: $8,896 paid 1980: $3,484 paid 1981: $168,153 paid 1982: $1,553,448 paid 1983: $240,383 paid 1984: $17,928 paid 1985: $2,633,327 paid 1986: $17,201 paid 1987: $261,787 paid 1988: $1,277,336 paid 1989: $0 paid 1990: $4,210 paid 1991: $27,483 paid 1992: $6,528,572 paid 1993: $1,672,971 paid 1994: $13,075 paid 1995: $2,952,851 paid 1996: $2,514,265 paid 1997: $3,287,178 paid 1998: $332,346 paid 1999: $570,034 paid 2000: $548,861 paid 2001: $3,831,376 paid 2002: $15,526 paid 2003: $3,622,312 paid 2004: $1,126,567 paid 2005: $211,233 paid 2006: $23,704 paid 2007: $59,550 paid 2008: $27,877 paid 2009: $38,758 paid 2010: $22,585 paid 2011: $29,970 paid 2012: $342,437 paid 2013: $222,787 paid 2014: $386 paid 2015: $21,310 paid 2016: $517,686 paid 2017: $2,801,630 paid 2018: $234,237 paid 2019: $27,919 paid 2020: $4,838,050 paid 2021: $47,102 paid 2022: $59,092,620 paid 2023: $8,977,024 paid 2024: $743,474,078 paid 2025: $33,387 paid 2026: $0 paid 2024 · $743.5M 1978 2026
$854.3M
total paid
$59,285
average claim
$3.4M
largest single claim
87%
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 Sarasota, FL and where it ranks among U.S. counties. It is not a verdict on whether Sarasota 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.