Flood insurance cost in Sarasota County, Florida
In Sarasota County, Florida, the lowest private flood insurance quote ran $1,581 a year and the typical private quote ran $2,677. The NFIP quote ran $1,861.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 9% below the NFIP quote, and private was the cheaper option for 60% of those 52 properties. The typical private quote came in 44% above NFIP.
Median annual premiums from 758 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Zone X, B and C (moderate to low risk) | $1,023 | $1,534 | $1,316 | 378 |
| Zone A, AE, AH and AO (high risk) | $4,254 | $7,874 | $3,069 | 359 |
| Residential properties | $1,581 | $2,648 | $1,838 | 753 |
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Compare NFIP and private carriers for your address.
Common questions
- How much does flood insurance cost in Sarasota County, Florida?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in Sarasota County, Florida was $2,677 a year and the lowest private quote a property received was $1,581. NFIP quotes ran $1,861. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- Is private flood insurance cheaper than NFIP in Sarasota County, Florida?
- Where a property was quoted both ways, the lowest private quote came in a median 9% below the NFIP quote, and private was the cheaper option for 60% of those 52 properties. The typical private quote came in 44% above NFIP.
- How much does the flood zone change the price in Sarasota County, Florida?
- Properties in high-risk A zones were quoted a typical $7,874 a year for private flood insurance, against $1,534 in moderate to low risk X zones. The lowest quotes ran $4,254 and $1,023.
- Where do these numbers come from?
- From 758 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Oct 2024 to Oct 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance in Florida
- Flood insurance in Florida: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance
- Private flood insurance
- Commercial flood insurance
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index.