Flood & Hurricane Protection Information
 updated  11/30/18

important flood insurance information can be found at  www.floodsmart.gov  &  fema.gov/business/nfip

 for flood insurance map information call the building dept at 708-5833.




falls within a special flood hazard area! 

Your property may be in an area considered "Repetitive Loss" which means it has repeatedly flooded and several insurance flood claims of $1000 that were paid by NFIP within any rolling 10-yr period.

 If you own property in Holmes Beach you are in or near a designated flood hazard area. Your property is likely to be flooded during a hurricane or severe tropical storm event. 

local flood hazard:  During hurricane season from June to November the chances for flooding increase.  Heavy rainfall combined with a high tide cause  saltwater  to back up into the storm drains flooding streets and yards. 

Last year Hurricane Irma caused flooding and high winds which damaged roofs, carports & other minor structures. Quite a few trees were uprooted and branches were broken due to the rain and wind.   We were fortunate not to have taken a direct hit but it is important to be prepared for the worst damage a storm can inflict. 

Holmes Beach base flood elevations range from nine to eleven feet in the A zones and nine to fourteen feet in the V zones.    Call the building department (941-708-5833) to find out what your flood zone is and also for  flood maps, flood protection and retrofitting information.  

Information IS ALSO available at the Island Branch of Manatee County Library, 5701 Marina Drive, Holmes Beach.  FEMA has some great  information available on their website at www.fema.gov  as well. 

The Building Department will provide an onsite visit to your property to give you suggestions on how to improve drainage or retrofit your house.  Contact the building department for an appointment at 941-708-5833. 

The City provides Flood Insurance Rate Map (FIRM) information to those who need flood hazard information.  We also have many elevation certificates for new and substantially improved houses on our website at www.holmesbeachfl.org.   search for the property address under "Elevation "Certificates" on our home page.


  • Leaving the island is smarter than taking a chance with your life, even if a hurricane doesnt actually come ashore. Flooding can happen quickly, so prepare to leave while you are able. 
  • Develop a disaster response plan. See the Red Crosss website at www.redcross.org for information about preparing your home and family for a disaster.
  • Last minute emergency measures: Move valuable items (photos, antiques, items most damaged by floodwaters) to a higher level.  Place sandbags in front of doorways and other entry points.

         Turn off Electricity, Water and Gas:  Remember some appliances such as television sets keep electrical charges even after they have been unplugged so be careful.

         Do not walk through flowing water: Currents can be deceptive- 6 inches of rapidly moving water can knock you off your feet, if you walk in standing water, use a pole or stick to ensure that firm ground is still there. Flooding leaves trash including broken glass, nails and mud.

         Do not drive through a flooded area: Road barriers are there for a reason!  Do not drive around them; the road may be washed out, or the water may be deep enough to float your vehicle off the road. 

         Stay away from power lines and electrical wires: The number two-flood killer after drowning is electrocution. Electrical current can travel through water. Report downed power lines to Florida Power & Light at 941-917-0708. 

Flood Insurance: There is a 30-day waiting period for coverage so don't wait, buy flood insurance!

  • Federally backed mortgages (FHA, VA, etc) must carry flood insurance but even for properties without a mortgage it is prudent to have flood insurance, especially since you live in a special hazard area and flood zone! Flood insurance covers direct losses caused by surface flooding, including local drainage problems.
  • Holmes Beach participates in the National Flood Insurance Program so residents are eligible to receive a 20% discount on their flood insurance premiums, regardless of whether their property has flooded in the past. Ask your insurance agent about the discount on your flood insurance.
  • Homeowner's insurance policies do not cover damage from floods. For additional information on what insurance policies are available to you talk to your insurance agent.  For Flood Insurance information call 1-888-CALL-FLOOD ext 304. You can also visit NFIPs website at www.floodsmart.gov.
  • During the kind of flooding that happens in Holmes Beach, there is usually more damage to the furniture and contents than there is to the structure. If you are covered, check out the amount and extent of coverage to make sure you have enough.
  • Get a flood insurance policy it will help pay for repairs after a flood and, in some cases, will help pay the costs of elevating a substantially damaged building. Contact your insurance agent for more information or go to FEMAs website, www.ready.gov/floods.
  • Even if property owners do not have structural insurance coverage, renters can buy content insurance coverage. Check with your insurance provider to see if they offer it.
  • Hose off your vehicle soon after driving through any floodwaters.  Insurance Agents report high claims for vehicle repairs within three months after a storm due to saltwater damage. 

property protection measures:  There are several different ways to protect your property: 

  • Re-Grade your Lot:  you can alleviate flooding by building a small floodwall or earthen berm.  This method works if your lot is large enough and flooding is not too deep.  Check with the Building Department before any building or property alteration is done, call 941-708-5833. 
  • Retrofit Your Home:  make your walls waterproof and place watertight closures over the doorways.  This method is called Dry Flood proofing and works if the water doesnt get over two feet deep. There are Federal Emergency Management Agency (FEMA) publications, which detail many ways of flood proofing, retrofitting or repairing your home or business.  You can find this information at the Building Department, 5801 Marina Drive or at the Island Library, 5700 Marina Drive, Holmes Beach. 
  • For retrofitting or property protection advice:   A representative from the building department will meet you on site to discuss appropriate actions for you to take.  For an appointment call 941-708-5833. 
  • Protect Window & Door Openings: It is advisable to have wind protection such as impact windows and doors, storm panels or at least plywood for windows and reinforcement for your garage door. 
  • Problems with Sewer Backup: A waste line check valve can stop this if the water does not get more than one or two feet deep. The valve can be purchased at a hardware store and is relatively inexpensive.  For instances of more severe flooding talk to a plumber about overhead sewers or a backup valve. 
  • Sandbags are available at City Hall for emergency flood protection,  residents can fill them using the manual sandbagger at the sand pile in front of City Hall..  There are also shovels at the sand pile. Place sandbags along doors or other openings to prevent water from going into the structure. 


PROTECT NATURAL FLOODPLAIN FUNCTIONS:   Grassy Point is a 34-acre natural preserve that borders East Bay Dr on the West and Anna Maria Sound on the East.  This area provides a temporary natural storage area for stormwater which helps to alleviate flooding in residential areas and on roads.  It is also home to many animals, fish, birds and bats. 

We share our beaches on Anna Maria Island with unique wildlife such as turtles and shorebirds who nest there.  Please respect their nesting area, it is against the law to tamper with any areas that have been marked. 

Sea oats that grow at the beach ends are also protected by law so be careful not to destroy them. 

Grassy Point as well as other open areas and pocket parks provide a place for water to drain off City streets.  Our City Engineer and the Public Works Department have been working on improving and maintaining stormwater structures and regularly budgets for these projects. 

Flood/HURRICANE Warning system:  Holmes Beach has an Emergency Management Plan and coordinates with Manatee County Emergency Operations Center (EOC) as well as the Island Emergency Operations Center. (IEOC).  Call the Citizens Information Center at 941-749-3547 for  information. 

         Residents should tune to TV and/or radio weather broadcasts and be alert to special local advisories.  Some local stations that will carry advisories for our area are:     

rADIO STATIONS: AM- 970,  AM- 1220 WQSA,  AM- 1490 WWPR, FM- 107.9 WSRQ, FM- 105.9 WYNF.  



IF mandatory evacuation orders are issued  Emergency personnel may drive through neighborhoods with megaphones directing people to leave immediately!


When activated, Manatee Co Emergency Operations Center posts current weather advisory, storm tract & open shelters.  Their website is www.mymanatee.org.  

         Residents need to register if there are special evacuation needs, medical problems or you need transportation off the island. Forms for registration can be picked up at City Hall.  For evacuation assistance call 941-749-3500.

          Residents of Holmes Beach must obtain a hanging tag for re-entry after evacuation. DONT WAIT UNTIL THE STORM APPROACHES!  The Holmes Beach Police Department issues the tags and you must have two pieces of identification, one with a photo. For more information call 941-708-5804. 

FLOODPLAIN DEVELOPMENT PERMIT REQUIREMENTS:  Always check with the Building Department before you fill, alter or regrade your property.  A permit is required for any alteration because you must retain storm water on your property so it wont affect neighboring properties.  

         Do not dump anything:   Dumping in canals, ditches, waterways and other bodies of water is a violation of Holmes Beach City Ordinance. Obstructed conveyances cannot carry stormwater away, which causes flooding in streets and yards. 

         If YOU SEE AN ACTIVE CONSTRUCTION SITE:  without a permit card posted call the Building Department at 941-708-5833.  The work being done there may cause flooding on your property. 

         If you see someone dumping:   yard debris, pesticides, herbicides, oil or anything into storm water inlets, ditches or other waterways report it to Code Enforcement at 941-708-5800 ext. 247 or Public Works at 941-708-5768. Please help protect our natural waterways!


Call the Public Works Department at 941-708-5768 if a storm drain needs immediate attention.

The Substantial Improvement/ damage requirements:  If structures are in a Special Flood Hazard Area (SFHA), which all of Holmes Beach is in, and if the cost of reconstruction, rehabilitation, addition or other improvements on the structure equals or exceeds 50% of the buildings market value, then the building must meet the same construction requirements as a new building.

Substantially damaged buildings must also be brought up to the same standards and must be elevated above the base flood elevation. Requirements for substantial improvement/damage requirements must meet provisions spelled out in The Citys Floodplain Management Ordinance 08-02.

More information on can be found in Answers to Questions about Substantially Damaged Buildings  (FEMA 213) is available at the Building Department or at the Island Library. 

DRAINAGE SYSTEM MAINTENANCE: The Citys storm drainage system is composed of open (swales/ditches) and closed segments (inlets/piping) that carry stormwater away from homes and roads. 

 Holmes Beach Public Works crews regularly maintain this entire system as part of our permit with the National Pollutant Discharge Elimination System (NPDES). If you see any unapproved changes to the drainage system, such as filling or rerouting ditches, please contact the Public Works Department at 941-708-5833. Holmes Beach City Ordinance prohibits littering or dumping anything into waterways so please report incidents to the Code Enforcement Department at 941-708-5800 x 247.                                                               

                        Prepare for a storm several days in advance:


     Install shutters or precut plywood to cover all windows from wind driven debris.


     Unplug and secure electronics equipment such as TVs and computers, put any items of value that you are not taking in a high place such as a closet shelf.


     Fill your vehicle with fuel as soon as possible to avoid long lines at the Gas station.  It is possible that gas may not be available due to the power losses following a storm.


     Keep some cash handy, both bills and coins for vending machines. Most vendors wont be able to accept credit cards after a hurricane.


     For swimming pools, lower the water level but do not drain completely.  Add extra chlorine and turn off the electrical power to pool equipment.


     Store water in bathtubs, barrels, jugs or other containers.  Use this water for bathing and other sanitary purposes. Do not use this water for drinking!


     Make sure you Hurricane Kit is ready to go at a moments notice.


     Get a Re-Entry hanging tag for your vehicle at the Holmes Beach Police Department.


     Know where the evacuation routes and shelters are.


     For Pet evacuations, have the necessary paperwork for current vaccinations available when checking into a pet friendly shelter, hotel/motel or kennel.


As the Storm Approaches:


     Board or shutter your windows, clear the outside areas of furniture, toys or any other items which can become airborne missiles.


     Get your Hurricane Survival Kit and important papers (such as insurance papers, wills, marriage and birth certificates, address & phone books, checkbooks, etc) and put them in a dry accessible place.


     Moor or secure you boat.


     Contact family and friends to inform them of where and with whom you will be staying during the storm.


     Stay tuned to TV and radio for updates and prepare for possible evacuation.



It is recommended that a 5- Day minimum worth of supplies be in the kit.


Emergency Supplies Kit


Remember, this is just a start, customize it to meet your individual needs.


     Cash or travelers checks (ATMs and banks may be out of service for a few days)

     At least two flashlights

     A battery-operated radio

     Several extra sets of batteries for flashlights, radios, & any other battery-powered equipment

     Fire extinguisher and a few boxes of baking soda (to extinguish fires)

     First aid kit (bandages, tape, gauze, scissors, antiseptic spray or ointment, rubbing alcohol, aspirins, antacids, anti-diarrhea medicine, hydrogen peroxide,   thermometer, eye-wash/drops, first aid book, latex gloves, iodine, etc.)

     Extra week's supply of any prescription medicines

     Supplies for any infants or elderly in your family

     Toilet paper, paper towels, pre-moistened 'baby" wipes, paper towels, box of large plastic trash bags, box of large zip-lock plastic bags

     Insect repellent

     Loud whistle (available in sporting-goods departments)

     Disposable eating utensils, plates & cups

     Drinking water in plastic containers (1 gallon per person, enough for 7-10 days minimum)

     Non-perishable food & juice in cans or sealed containers (enough for 7-10 days .pet food too, if applicable)

     Hand-operated can opener, bottle opener, knives, spatula, serving spoons, plastic dishpan, dish soap, etc.


     Unscented household bleach to purify water (8 drops per gallon of clear water, 16 drops if cloudy)


     Bath soap, toothbrush/paste, towels (2-3 per person), Sterno stove & extra cans of sterno

     Heavy-duty work gloves (1-2 pair per adult), ball of heavy-duty string, matches (waterproof)

     Cell phone with ear-charger (if you have one) and an extra battery



Emergency Evacuation Kit


In addition to the Emergency Supplies Kit (most of which you'd leave in your home for use when you return from an evacuation) you should plan what to take with you during an evacuation. Again, the list below is just a starting point -customize it to fit your needs.


     Map with your evacuation route and destination marked (include the phone number of your destination)

     Can of tire sealer, inflated spare tire & jack

     First Aid Kit

     Toolbox with basic tools, duct tape, jumper cables, folding shovel, small tarp, road flares

     Enough water & non-perishable food for 2-3 days (include can-openers, utensils, etc.)

     Sleeping bags, blankets, pillows for each member of the family

     Rain gear & extra clothes, shoes, etc. (enough for several days

     Towels, toilet paper, soap, shampoo, toothbrushes/paste, deodorant, feminine and/or baby items

     Prescription & over-the-counter medications (enough for several days

     Identification (including medical conditions) for everyone

     Your box of important papers (if stored at home)

     Flashlights & battery-operated radio with several extra batteries

     Cash or travelers checks

     First-aid kit & Books, games, playing cards, etc.



Other recommended items for a Hurricane Kit:


Bottled water

Playing cards

First Aid Kit

Dry (powder) beverages

Magazines & books

Bedding Material


Medication for 30 days



Ear phone for radio


Medication for 30 days

Battery operated radio

Extra batteries

Non-perishable food

Plastic eating utensils

Personal hygiene items

Florida State road map

Personal phone book



Post Storm Kit


     Keep tuned to local radio or TV for the latest information.


     After the storm and when authorities give the okay to return to the island residents must have a hanging Re-Entry in their vehicle.


     For local information and assistance call the Manatee County Citizen information Center at 941-748-4501.


     Purchase needed supplies and food before returning home and let your family know what you are doing.


     Upon entering your home access any damage and be aware of possible structural or electrical damage or gas leaks. Contact FPL or your gas company if necessary.


     Make temporary repairs to correct safety hazards, cover holes in windows, walls or roof.  Remove debris.  Temporary repairs dont need a permit.  Check with the Building Dept. for further information.


     Make sure all electrical equipment and appliance are dry before using them.


     Listen to public health advisories to see if public water is safe to drink. 


     Beware of outdoor hazards (snakes & other critters washed out of their homes)  Watch out for sinkholes, potholes and other structural damage.


     Do not go out and sight see.  Repair crews will be working to clean up damage and get residents back to normal.


     Take photos and contact your insurance company as soon as possible if you have any damages.




 The City of Holmes Beach aims to provide full accessibility to our programs, services, and activities unless doing so changes the fundamental nature of the program, service, or activity, or it creates an undue administrative or financial burden.  If you are not able to access any of the content of this website, please email the City Clerk at cityclerk@holmesbeachfl.org or call ADA Coordinator at 941-708-5800, ext. 226 so that we can provide a solution or provide the information in an accessible format.






Revised: 1/10/2019 1:43:43 PM