Risk Index · Sarasota County · 2026-06-13
Sarasota, FL real-estate risk
- Risk score
- 98.2/100
- Relatively High
- Expected annual loss
- $273M
- all hazards, county-wide
- Buildings-only loss
- $248M
- what owners and insurers carry
- Population
- 434K
- Sarasota County
Sarasota, FL (Sarasota County) carries a FEMA National Risk Index score of 98.2/100, rated "Relatively High" and driven mainly by hurricane and riverine flood, with roughly $273M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Hurricane99.5
- Riverine flood95.7
- Coastal flood93.6
- Wildfire93.3
- Tornado92.5
- Heat wave89.8
- Strong wind87.4
- Drought37.3
- Earthquake34.7
- Hail21
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Coastal flood and hurricane exposure make property insurance the swing cost in this market. Premiums and deductibles here can move a deal's NOI by double digits. Treat the insurance binder as a Day-1 diligence item.
Sarasota risk questions
Is Sarasota, FL a high-risk area for real estate?
Sarasota scores 98.2/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $273M per year.
What is the biggest natural hazard in Sarasota?
The highest-rated hazard is hurricane (99.5/100), followed by riverine flood (95.7/100).
How does hazard risk affect property insurance in Sarasota?
Coastal flood and hurricane exposure make property insurance the swing cost in this market. Premiums and deductibles here can move a deal's NOI by double digits. Treat the insurance binder as a Day-1 diligence item.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.