OUT OFTHE STORMNEWS

Independent insurance-cost data from public records.

June 2026 NFIP transactions

Flood Insurance Costs in Sarasota County, Florida

In June 2026, NFIP policies newly written or renewed in Sarasota County averaged $1,273 in premium and $1,606 in total policy cost across 6,539 transactions.

What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.

Average premium
$1,273

newly written or renewed policies

Average total cost
$1,606

premium plus included fees

Transactions
6,539

minimum published threshold: 100

State premium rank
14 of 44

eligible counties in Florida

Sarasota County, state, and national comparison

The county average premium was 26.1% above the state transaction average and 27.2% above the national transaction average. Its total policy cost was 25.0% above the state figure and 24.7% above the national figure.

GeographyAvg premiumAvg total costTransactions
Sarasota County$1,273$1,6066,539
Florida$1,010$1,285174,012
United States$1,001$1,289452,418

Sarasota County supplies 6,539 transactions for a comparison between its $1,273 average premium and the state benchmark. The county figure was 26.1% above the state transaction average and ranks 14 of 44 within the eligible state set.

Descriptive rank context

Premium in Florida
14 of 44
Premium nationally
93 of 330
Transaction volume nationally
12 of 330

Method nfip-county-ranks-v1. Premium ranks sort the same 330 eligible county rows by average premium, then transaction count, then FIPS; the state rank uses that state's eligible subset. Volume rank sorts by transaction count, then FIPS. These ranks describe one source month and are not a score or recommendation.

Method and limitations

  • The figures describe policies newly written or renewed in June 2026; they are not FEMA's official average across all in-force policies.
  • Only named counties with matching state and five-digit FIPS codes, finite cost values, and at least 100 transactions enter the comparison population.
  • A monthly county average can change with the mix of properties renewing. It is not a household quote and does not include private flood insurance.
  • State and national values use the same transaction-based source month. A larger sample does not mean a lower or higher household price.

Source: FEMA OpenFEMA NFIP policy transaction data (NFIP Redacted Policies v3). Snapshot generated 2026-08-30; source event through 2026-06-30. Read the complete methodology.

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