Longboat Key, FL natural hazards
Most of the natural-hazard damage FEMA expects in Longboat Key comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 2,274 claims here since 1978. 16 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Longboat Key?
FEMA expects yearly storm and flood damage to homes and buildings in Longboat Key to be higher than in 88% of U.S. communities, mostly from hurricanes and coastal flooding.
What Longboat Key faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Hurricanes
Coastal flooding
Inland flooding
Lower here
Not a risk here
Does Longboat Key flood?
Every paid claim on a federal flood insurance policy in Longboat Key, from FEMA’s records.
Biggest named events
- Hurricane Helene: 1,222 claims, $183M
- Hurricane Elena: 257 claims, $2.2M
- The 'No-Name Storm': 177 claims, $705K
Homes that flooded again and again
Each house = 4 homes. ■ FEMA “severe repetitive loss” (76) ■ flooded 2+ times
are insured
are insured
What’s been done with FEMA grants
16 federal disasters brought FEMA money here
Disasters the President declared that paid out in Longboat Key itself: aid to households, or repair grants to the Town of Longboat Key.
Hurricane Milton
Hurricane Helene
Hurricane Debby
Hurricane Idalia
Hurricane Ian
Hurricane Irma
Hurricane Hermine
Tropical Storm Debby
Tropical Storm Fay
Hurricane Wilma
Hurricane Jeanne
Hurricane Ivan
Hurricane Frances
Tropical Storm Bonnie and Hurricane Charley
Severe Storms, Tornadoes and Flooding Associated With Tropical Storm Gabrielle
Tropical Storm Irene - Florida
Longboat Key and the towns around it
How to read this page
FEMA’s expected losses across Longboat Key total about $8.6M a year, counting buildings, people and crops.
Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.