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Roofing in Anna Maria, Florida

Anna Maria Island has three municipalities, and Anna Maria occupies its northern part. Most of the town's homes are old. The median home was built in 1975, and about 60 percent went up before 1980. Roof age here is not a side question. It shapes what your insurer may ask for and what the city may require when you replace.

Request a quote407-242-2840

Updated October 2026

Turquoise Gulf water and sandy shore under a large casuarina tree, with two distant people stooping near the waterline.
Photo: Anna Maria,Florida. by Roman Eugeniusz, CC BY-SA 3.0, cropped

At a glance

Anna Maria homes at a glance

People (2020 Census)
968
Median year homes were built
1975
Share of homes built before 1980
59.8%
Share of homes built 2010 or later
9.8%
Owner-occupied share of occupied homes
97.3%

Census figures; each one is listed in the sources at the end of this page.

Roof age and insurers

How old is a typical Anna Maria roof?

The median home here was built in 1975, and that margin of error is plus or minus 4 years. Only 9.8 percent of homes were built in 2010 or later. Many roofs on these houses are likely past the age where insurers start asking questions.

If your shingle roof is over 25 years old, or your tile, slate, clay, concrete or metal roof is over 50 years old, Citizens Property Insurance will want paperwork showing at least five years of remaining useful life. Ask your agent which category your roof falls into before you assume anything about coverage.

Who issues your permit

Permits, reroofing rules and the 25 percent test

Anna Maria runs its own Building Department, so roof permits go to the city, not the county. Confirm the current requirements with that office before you schedule work.

The 25 percent rule limits how much of an existing roof can be repaired, replaced or recovered in any 12-month period without bringing the entire roof system up to code. Your roof may still qualify for the exception if it was built or repaired under the 2007 Florida Building Code or a newer version. Ask the city which edition your roof was built under.

Building permits

City of Anna Maria - Building Department

Official building page

Office names and links only. Fees, forms and timing change; check the official page.

Storms and rainfall

Storms and rain that reach Anna Maria

Hurricane Helene in 2024 caused heavy storm surge damage across Anna Maria Island. Surge and wind are the main concerns for a roof near the water. Check whether your roof was inspected after that storm.

At Sarasota-Bradenton International Airport, normal annual rainfall is 49.05 inches, and about 60 percent falls from June through September. That is roughly 29 inches in those four months alone. Rain, not only wind, can find the weak spots in an old roof.

Hurricane Irma in 2017 brought 1 to 2 feet of inundation along the west coast north of Charlotte Harbor. Hurricane Eta in 2020 produced street flooding and road closures in coastal Manatee County. Water reached the island in more than one storm.

Local record

On record for Anna Maria

  • Occupies the northern part of Anna Maria Island, one of three municipalities on the island with Holmes Beach and Bradenton Beach.
  • Hurricane Helene (2024): Anna Maria Island was heavily damaged by storm surge.
  • Water covers 14.1% of the place's total area.

Services

Roofing services in Anna Maria

Questions

Anna Maria roofing questions

What is the 25 percent roof rule in Florida?

No more than 25 percent of an existing roof can be repaired, replaced or recovered within any 12-month window under this limit. If more than 25 percent of the roof area is worked on in that window, the entire roof system must be brought up to current code. Anna Maria enforces this through its own building department. A roof falls under this exception only if that roof was built, repaired or replaced in compliance with the 2007 Florida Building Code or a later edition, and the 2007 code took effect March 1, 2009. Ask the city which code applies to your roof before scheduling work.

Source: 2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), read Oct 5, 2026

Related: Roof replacement

What is the new law in Florida about roofs?

The Eighth Edition of Florida's Building Code, released in 2023, became enforceable on December 31 of that year. Any permit request submitted on December 31, 2026 or later must meet the Ninth Edition, the version that starts applying on that same date. In Anna Maria, confirm with the city building department which edition applies to your project before you file.

Source: FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, read Oct 5, 2026

Related: Roof replacement

How old are most homes in Anna Maria?

The median year homes were built is 1975, with a margin of error of plus or minus 4 years. About 59.8 percent of homes were built before 1980. Only 9.8 percent were built in 2010 or later. An older roof may need a documented remaining life to satisfy some insurers. Ask your agent for the requirement that applies to your roof.

Source: U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

Does Anna Maria have mobile homes?

Mobile homes make up only 0.4 percent of housing units here. Most homes are single-family detached houses, at 89.4 percent. Owner-occupancy is 97.3 percent. If your home is a mobile home, confirm with the city building department which code applies to your roof replacement.

Source: U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API, read Oct 5, 2026

Related: Roof replacement

Is rain a bigger roofing concern than wind in Anna Maria?

Rain is a serious concern. Normal annual precipitation at the Sarasota-Bradenton airport is 49.05 inches, and about 60 percent falls from June through September. Water covers 14.1 percent of Anna Maria's total area. Inspect flashing, seams and gutters after heavy rain, not only after a named storm.

Source: NOAA NCEI U.S. Climate Normals 1991-2020, station USW00012871 SARASOTA BRADENTON AP, read Oct 5, 2026

Related: Roof repair

Nearby

Near Anna Maria

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Manatee County

More in Manatee County

Sources for this page(29)
  1. 1.Median year homes were built: 1975. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  2. 2.Share of homes built 2010 or later: 9.8%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  3. 3.Wikipedia, "Anna Maria, Florida" (secondary source). Read Oct 5, 2026.
  4. 4.U.S. Census Bureau ACS 2020-2024 5-year, tables B25034 and B25035. Read Oct 5, 2026.
  5. 5.Permit office: City of Anna Maria - Building Department. City of Anna Maria - Building Department. Read Oct 10, 2026.
  6. 6.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Helene. Read Oct 5, 2026.
  7. 7.Wikipedia, "Manatee County, Florida" and "Longboat Key, Florida" (secondary). Read Oct 5, 2026.
  8. 8.NOAA NCEI U.S. Climate Normals 1991-2020, station USW00012871 SARASOTA BRADENTON AP. Read Oct 5, 2026.
  9. 9.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma. Read Oct 5, 2026.
  10. 10.Hurricane Eta (2020). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta. Read Oct 5, 2026.
  11. 11.Hurricane Hermine (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine. Read Oct 5, 2026.
  12. 12.Wikipedia (Lakewood Ranch, Bayshore Gardens); Census 2020 block assignment. Read Oct 5, 2026.
  13. 13.Share of homes built before 1980: 59.8%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  14. 14.Mobile homes, share of housing units: 0.4%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  15. 15.Single-family detached share of housing units: 89.4%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  16. 16.Owner-occupied share of occupied homes: 97.3%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  17. 17.U.S. Census Bureau, Census 2020 place geography (AREALAND/AREAWATER) via TIGERweb tigerWMS_Census2020. Read Oct 5, 2026.
  18. 18.People (2020 Census): 968. U.S. Census Bureau, 2020 Census (POP100) via TIGERweb tigerWMS_Census2020. Read Oct 5, 2026.
  19. 19.U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  20. 20.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance. Read Oct 4, 2026.
  21. 21.City of Anna Maria - Building Department, cityofannamaria.com. Read Oct 5, 2026.
  22. 22.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  23. 23.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  24. 24.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma, NOAA National Hurricane Center. Read Oct 5, 2026.
  25. 25.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta, NOAA National Hurricane Center. Read Oct 5, 2026.
  26. 26.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine, NOAA National Hurricane Center. Read Oct 5, 2026.
  27. 27.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  28. 28.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  29. 29.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.

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