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AnnaMariaFLPhoto: User:VitaleBaby · Public domain
D−Hazard risk
Natural hazards in Anna Maria · FEMA

On FEMA’s figures, few U.S. towns expect more hazard damage per building than Anna Maria, mostly from coastal flooding

On FEMA’s National Risk Index, Anna Maria gets a D− for hazard risk: among the highest expected damage per building of U.S. towns. Most of that expected damage is coastal flooding (57%), then hurricanes (33%). Flood insurance has paid 1,074 claims here since 1979.

Coastal flooding 57%Hurricanes 33%River and rain flooding 8%

Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded

among the highestof U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
D−
in Florida · among the highest of U.S. towns
Main hazard
Coastal flooding
57% of expected building damage
Flood claims
1,074
paid since 1979 · $69.8M
Flooded more than once
68
properties · 14 “severe repetitive loss”
Flood insurance
25% off
Community discount (class 5)

What stands out about Anna Maria’s natural hazards

From FEMA’s model and FEMA’s records, below.

1,074 paid flood claims since 1979$69.8M in all; 68 properties flooded more than once. More per home than 100% of U.S. towns.25% off flood insuranceFlood-proofing work earns Anna Maria residents a discount through FEMA’s Community Rating System (class 5).Coastal flooding: the top 1% of U.S. tractsFEMA’s building-damage rate for coastal flooding here ranks in the top 1% of U.S. census tracts; it is 57.3% of the damage it expects.Moved out of harm’s way2 homes raised above flood level with FEMA grants.
By hazard

What Anna Maria faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

Coastal flooding

57%of expected building damage
Well above average · in the top 1% of U.S. census tracts

Hurricanes

33%of expected building damage
Well above average · in the top 5% of U.S. census tracts
Recorded about once every 5 years in the area

River and rain flooding

8%of expected building damage
Well below average · lower than 90% of U.S. census tracts
Recorded about once a year in the area
Smaller shares here
 Tornadoes Strong wind Lightning top 1% Hail Earthquakes Wildfire Cold waves top 5% Heat waves Landslides
FEMA models no building damage here
Winter stormsIce stormsAvalanchesTsunamisVolcanic activity

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Anna Maria’s grade

Coastal flooding is 57% of the building damage FEMA expects in Anna Maria, and Anna Maria’s rate of coastal flooding damage is in the top 1% of U.S. census tracts. Hurricanes add 33%, at a rate in the top 5% of U.S. census tracts.

Where Anna Maria sits
Anna Maria
Least damageMiddleMost damage

D− among the highest expected damage per building of U.S. towns (21,298).

Anna Maria’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
Coastal flooding57%Hurricanes33%River and rain flooding8%Everything else2%

In dollars, FEMA expects about $3.3M a year in losses across Anna Maria: $3.1M to buildings, the rest to people and crops.

Recent disaster.FEMA’s model looks at expected damage to the buildings standing today. After Hurricane Helene in 2024, FEMA took 286 aid registrations from Anna Maria addresses (the town has 1,503 homes) and flood insurance paid 750 claims for $65.6M.
A small-area figure. Anna Maria covers 2 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Anna Maria flood? Yes: 1,074 flood claims since 1979

Every paid claim on a federal flood insurance policy in Anna Maria, from FEMA’s records: 714.6 per 1,000 homes, more than 100% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1979: 1 claim1980: 0 claims1981: 1 claim1982: 40 claims1983: 0 claims1984: 0 claims1985: 51 claims1986: 0 claims1987: 2 claims1988: 11 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 42 claims1993: 19 claims1994: 0 claims1995: 0 claims1996: 37 claims1997: 1 claim1998: 3 claims1999: 9 claims2000: 13 claims2001: 2 claims2002: 2 claims2003: 3 claims2004: 3 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 1 claim2009: 12 claims2010: 0 claims2011: 0 claims2012: 7 claims2013: 1 claim2014: 0 claims2015: 0 claims2016: 9 claims2017: 1 claim2018: 1 claim2019: 0 claims2020: 1 claim2021: 0 claims2022: 0 claims2023: 24 claims2024: 777 claims2025: 0 claims2026: 0 claims198519922024
19792026
Biggest named events
  • Hurricane Helene750 claims · $65.6M
  • Hurricane Elena51 claims · $351K
  • The The ’No-Name Storm’39 claims · $93K
1,074
paid claims since 1979
$69.8M
paid to owners
68
homes flooded more than once
$65K
average claim
Homes that flooded again and again
Each house = 2 homesFEMA “severe repetitive loss” (14)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
Community discount25% off flood insurance

Anna Maria is in FEMA’s Community Rating System (class 5) for its flood-proofing work.

Insurance rates: Manatee County.
What’s been done with FEMA grants
2homes raised above flood level
Disasters

10 federal disasters brought FEMA money to Anna Maria

Disasters that paid out in Anna Maria itself (aid to households or repair grants to the City of Anna Maria), newest first, with that year’s flood claims.

  1. 2024Hurricane Milton163 households applied for aid$426K aid approved$4.7M to the City of Anna Maria for repairs24 flood claims paid for it, $734K
  2. 2024Hurricane Helene286 households applied for aid$2.0M aid approved$949K to the City of Anna Maria for repairs750 flood claims paid for it, $65.6M
  3. 2024Hurricane Debby4 households applied for aid$4K to the City of Anna Maria for repairs
  4. 2023Hurricane Idalia6 households applied for aid$6K aid approved$51K to the City of Anna Maria for repairs20 flood claims paid for it, $1.3M
  5. 2022Hurricane Ian28 households applied for aid$2K aid approved$95K to the City of Anna Maria for repairs
  6. 2017Hurricane Irma78 households applied for aid$21K aid approved$1.1M to the City of Anna Maria for repairs1 flood claim paid that year
Show all 10
  1. 2004Hurricane Jeanne8 households applied for aid$237 aid approved$10K to the City of Anna Maria for repairs
  2. 2004Hurricane Frances6 households applied for aid$3K aid approved$11K to the City of Anna Maria for repairs
  3. 2004Tropical Storm Bonnie and Hurricane Charley3 households applied for aid$904 aid approved$31K to the City of Anna Maria for repairs
  4. 2001Severe Storms, Tornadoes and Flooding Associated with Tropical Storm Gabrielle$61K to the City of Anna Maria for repairs2 flood claims paid that year
Disasters declared, by decade
Paid out in Anna MariaManatee County only

Manatee County has had 37 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Also 2 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Manatee County, 1999–2001.

Were you here?

Old photos of Anna Maria after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Anna Maria archive →
Next door

Anna Maria and its neighbors

Anna Maria has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.

Holmes Beach: hazard risk D−Holmes BeachAnna Maria
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Anna MariaD−among the highest damagecoastal flooding1,074
Holmes BeachD−among the highest damagecoastal flooding1,879

Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.

Be ready

Get ready for what Anna Maria faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the tide surges
  • Know your evacuation zone and the way off the coast.
  • Storm surge comes fast: leave when you’re told, not when the water arrives.
  • Move cars to high ground before king tides and nor’easters.
More from Ready.gov ↗
Hurricane season
  • The season runs June through November and peaks from mid-August to mid-October.
  • Bring in porch furniture and anything the wind can throw.
  • Fill the gas tank and charge phones before the storm arrives.
More from Ready.gov ↗
When the river rises
  • Turn around at flooded roads: a foot of moving water can carry off a car.
  • Flood insurance usually takes 30 days to start, so buy it before the forecast.
  • Keep papers and medicines up high, in a grab-and-go bag.
More from Ready.gov ↗
Before you buy or rent
  • Look up the address on FEMA’s flood map.
  • Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
  • Get a flood insurance quote early: policies usually start 30 days after you buy.
  • Anna Maria residents get 25% off flood insurance.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Anna Maria

Is Anna Maria at risk for natural disasters?

On FEMA’s National Risk Index, Anna Maria has among the highest expected damage per building of U.S. towns: D− for hazard risk. Most of the expected damage is coastal flooding (57%) and hurricanes (33%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Anna Maria flood?

Flood insurance has paid 1,074 claims in Anna Maria since 1979, $69.8M in all, or 714.6 per 1,000 homes, more than 100% of U.S. towns with a flood insurance record. 68 properties have flooded more than once. The most claims came from Hurricane Helene (750).

Is Anna Maria in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Manatee County, 43% of homes in mapped flood zones carry federal flood insurance, and 17.3% of all homes do.

How much is flood insurance in Anna Maria?

Anna Maria is in FEMA’s Community Rating System (class 5), which takes 25% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Anna Maria?

By FEMA money that reached Anna Maria, Hurricane Milton (2024): 163 households applied for aid, $426K approved, and $4.7M to the City of Anna Maria for repairs. By flood claims, Hurricane Helene: 750 paid, $65.6M.

Is Anna Maria at risk from coastal flooding?

It is the largest share of the building damage FEMA expects here (57%), and Anna Maria’s rate for it is in the top 1% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Anna Maria.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Anna Maria’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.