5,442 residents·in Sarasota County·14,415 flood claims county-wide
From the National Weather Service, checked 1 minute ago. Every active flood alert in the U.S. →
...The National Weather Service in Tampa Bay Ruskin has issued a Flood Advisory for the following rivers in Florida...
Myakka River At Myakka River State Park affecting Sarasota County.
Additional information is available at www.weather.gov.
The next statement will be issued Saturday morning at 845 AM EST.
WHAT. Flooding caused by excessive rainfall is expected.
WHERE. Myakka River at Myakka River State Park.
WHEN. From this evening to Sunday evening.
IMPACTS. At 6.5 feet, Water approaching Fisherman's Loop parking area.
ADDITIONAL DETAILS. - At 8:00 PM EST Friday the stage was 6.4 feet. - Bankfull stage is 7.0 feet. - Forecast...The river is expected to rise to a crest of 6.5 feet tomorrow morning. - Action stage is 6.5 feet. - Flood stage is 7.0 feet. - https://www.weather.gov/safety/flood
Is your address in the flood zone? Search it above for FEMA’s zone and base flood elevation. A new flood insurance policy usually takes 30 days to start (NFIP rule; exceptions include a policy bought when closing a mortgage), so one bought during a flood generally won’t cover it. Homeowners policies don’t cover flood.
Shaded areas are FEMA’s mapped flood hazard zones in and around Warm Mineral Springs CDP, Florida. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
The map above shows FEMA’s flood zones in and around Warm Mineral Springs CDP; tap any spot, or search an address, for the exact zone. FEMA’s flood insurance records are kept by county, not by city, so the numbers below are for all of Sarasota County, which includes Warm Mineral Springs CDP.
26% of Sarasota County’s area is in FEMA’s high-risk flood zones, and another 8% in shaded X (mostly the 0.2% floodplain and areas behind levees).
3% of Sarasota County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
12,869 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.
In Sarasota County flood insurance claims that reported a flood depth, the average was 9 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on the county’s claims (zero and implausible values left out). Source: OpenFEMA NFIP claims.
The worst year was 2024, with 7,847 claims and $745.5M paid, the year of Hurricane Debby, Hurricane Helene and Hurricane Milton.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
Full Sarasota County flood history: disasters, storm reports and events →
If a building is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
The average NFIP premium across Florida was $965 a year on August 31, 2026 (premium plus the federal policy fee; the reserve fund assessment and HFIAA surcharge come on top). Risk Rating 2.0 prices each building on its own flood risk, so a quote can be far from the average.
Outside the high-risk zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Quotes: FloodSmart.gov or a local agent.