Warm Mineral Springs Motel · Photo: FreeSharer4 · CC BY-SA 3.0FEMA puts Warm Mineral Springs’s expected hazard damage per building above that of 94% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Warm Mineral Springs gets a D for hazard risk: higher expected damage per building than 94% of U.S. towns, #561 of 638 in Florida. Most of that expected damage is hurricanes (57%), then river and rain flooding (33%). Flood insurance has paid 76 claims here since 1982.
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
What stands out about Warm Mineral Springs’ natural hazards
From FEMA’s model and FEMA’s records, below.
What Warm Mineral Springs faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain flooding
Coastal flooding
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.
What’s behind Warm Mineral Springs’ grade
Hurricanes are 57% of the building damage FEMA expects in Warm Mineral Springs, and Warm Mineral Springs’ rate of hurricanes damage is in the top 4% of U.S. census tracts. Coastal flooding adds 6%, at a rate in the top 2% of U.S. census tracts.
D #561 of 638 in Florida; higher expected damage per building than 94% of U.S. towns (21,298).
Warm Mineral Springs’ residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Warm Mineral Springs has more expected damage per building than 88% of Florida towns.
In dollars, FEMA expects about $2.7M a year in losses across Warm Mineral Springs: $2.4M to buildings, the rest to people and crops.
Does Warm Mineral Springs flood? Sometimes: 76 flood claims since 1982
Every paid claim on a federal flood insurance policy in Warm Mineral Springs, from FEMA’s records: 18.5 per 1,000 homes, more than 83% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Helene29 claims · $1.1M
- Hurricane Ian21 claims · $1.4M
- Hurricane Milton9 claims · $152K
Warm Mineral Springs isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Sarasota County.The storms Warm Mineral Springs remembers
None of the 34 disasters declared for Sarasota County shows FEMA aid or repair money reaching Warm Mineral Springs itself in FEMA’s records, so these are its biggest flood-claim years.
- 202438 flood claims paidThe year of Hurricane Milton, declared for Sarasota County
- 202221 flood claims paidThe year of Hurricane Nicole, declared for Sarasota County
- 19922 flood claims paidThe year of Severe Storms and Flooding, declared for Sarasota County
Sarasota County has had 34 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 3 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Sarasota County, 1999–2001.
Old photos of Warm Mineral Springs after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Warm Mineral Springs archive →Warm Mineral Springs and its neighbors
Warm Mineral Springs has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Warm Mineral Springs | Dmore damage than 94% | hurricanes | 76 |
| North Port | Dmore damage than 94% | hurricanes | 229 |
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.
Get ready for what Warm Mineral Springs faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Warm Mineral Springs
Is Warm Mineral Springs at risk for natural disasters?
On FEMA’s National Risk Index, Warm Mineral Springs has higher expected damage per building than 94% of U.S. towns: D for hazard risk, #561 of 638 in Florida. Most of the expected damage is hurricanes (57%) and river and rain flooding (33%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Warm Mineral Springs flood?
Flood insurance has paid 76 claims in Warm Mineral Springs since 1982, $2.7M in all, or 18.5 per 1,000 homes, more than 83% of U.S. towns with a flood insurance record. The most claims came from Hurricane Helene (29).
Is Warm Mineral Springs 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 Sarasota County, 42% of homes in mapped flood zones carry federal flood insurance, and 18.0% of all homes do.
How much is flood insurance in Warm Mineral Springs?
FEMA’s Community Rating System list shows no discount for Warm Mineral Springs’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Warm Mineral Springs?
By flood claims, Hurricane Helene: 29 paid, $1.1M.
Is Warm Mineral Springs at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (57%), and Warm Mineral Springs’ rate for it is in the top 4% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Warm Mineral Springs.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Warm Mineral Springs’ 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.