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Flood insurance costs in ZIP 34205 (Bradenton, FL)

Plain facts for homeowners in Bradenton: what flood insurance costs here, which flood zones local policies are in, and how the area's home insurance compares.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 34205 at a glance

Four numbers most homeowners ask about first.

$1,407
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

539
Flood policies

Single-family NFIP policies that took effect in 2025.

54%
In A or V zones

Share of those policies for homes in FEMA's high-risk flood zones.

$2,633
County home premium

Typical Manatee County ZIP in 2022 (Treasury, inflation-adjusted).

ZIP 34205 in numbers
$799
median flood policy cost (2025)
$219,846
average building coverage
$1,085
average flood policy (2022)
Rel. high
county FEMA risk rating

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

Treasury didn't publish homeowners figures for ZIP 34205. It only released ZIP codes with at least 10 reporting insurers and 50 policies in its data. For reference, the typical ZIP code in Manatee County averaged $2,633 per policy in 2022.

Manatee County, Florida and U.S. typical ZIP codes

Manatee County overview

Typical premium per policy

Inflation-adjusted dollars, median across ZIP codes
ManateeFloridaU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 34205 in 2025 cost $1,407, based on 539 policies, compared with $1,085 in 2022. About 54% of them are for homes in high-risk A or V zones.

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

539 policies
A zones 53%X/B/C zones 46%V zones 1%

Natural hazards

FEMA National Risk Index for Manatee County

FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Manatee County are listed, as national percentiles (100 = highest).

All county hazards

Top county hazards

  • Hurricane99 · Very High
  • Lightning99 · Very High
  • Coastal flooding98 · Very High
  • Tornado98 · Relatively High
  • Inland flooding93 · Relatively High

Other ZIP codes in Manatee County

ZIP codes with their own page. Showing 12 of 15; see the county page for all.

34201 Bradenton · $3,41734202 Bradenton · $3,12134203 Bradenton · $2,42934207 Bradenton · —34208 Bradenton · $2,57534209 Bradenton · —34210 Bradenton · —34211 Bradenton · $1,96534212 Bradenton · $2,61734216 Anna Maria · —34217 Bradenton Beach · $13,08134219 Parrish · $2,292

Practical next steps

Simple things homeowners in ZIP 34205 can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Prepare for freezing weather. Burst pipes are a common winter claim. Insulating exposed pipes, keeping heat on while away and knowing where your main water shut-off is all help.
Ask about a wind mitigation inspection. Florida insurers must offer discounts for wind-resistant features such as roof-to-wall straps, a secondary water barrier and opening protection. A licensed inspector's form documents what your home has.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer. Treasury's data covers a smaller share of Florida's market than of other states and leaves out Citizens Property Insurance and other residual-market policies, so Florida figures are less representative.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.