While the state of Florida is known for its temperate climate year-round, the water temperatures may vary depending on which part of the state you're visiting. The Gulf Coast, best known for its breathtaking sunsets and expanses of sandy beaches, is also home to year-round swimming conditions.
Here on Anna Maria Island, regardless of whether you're staying in Anna Maria, Holmes Beach, or Bradenton Beach, our waters are ready to welcome you regardless of the time of year.
Anna Maria Water Temperature Throughout the Year

Photo Credit: UA-Visions
Depending on the time of year, average sea temperatures range from 62°F to 89°F. Winters are perfect for polar plunges while summer offers more of a bath-like experience.
- Winter (December – February): Water temps range from 62°F to 68°F. Although the water temperatures during these months are the coldest, some visitors still may enjoy a quick dip or a New Year's Day polar plunge, particularly if the sun is out in full force.
- Spring (March – May): Water warms up to 69°F - 79°F, working toward near ideal swimming conditions as summer approaches. April and May are perfect if you want a middle ground between the summer and winter temperature variations.
- Summer (June – August): Water temps reach as high as 85°F - 89°F, offering warm, bath-like water for long soaks.
- Fall (September – November): While air temperatures begin to fall, the water temperatures drop from 86°F to 73°F. It's still plenty warm enough for swimming, generally well into November.
Average water temperatures are warmest from May through October, while March and April bring refreshing but swimmable conditions. In winter, wetsuits are a good option if you're prone to being chilly but still want to explore the Gulf of Mexico's underwater landscapes.
Water Clarity and Quality on Anna Maria Island

Photo Credit: AtlasStudio
Anna Maria Island's waters are generally clear, with visibility depending on weather, tides, and wind conditions. On calm days, the turquoise Gulf waters allow for great snorkeling and paddleboarding. Because of the natural circulation from the Gulf and bay, AMI also has exceptional water quality.
Factors That Influence Water Clarity
How clear the water appears may change depending on a number of different factors:
- Tide cycles: Incoming tides bring in clearer, fresher Gulf water, while outgoing tides usually stir up sand and reduce visibility.
- Wind conditions: Calm days often boast crystal-clear water, while strong winds have a tendency to create waves and stir up sand.
- Recent rainfall: Heavy rains can affect clarity by washing nutrients from the bay into the Gulf, which makes the water look murky on occasion.
Most days, the water remains clear enough for snorkeling and paddleboarding, especially in Holmes Beach and Bradenton Beach, where the ocean floor is mostly soft white sand.
How AMI Maintains High Water Quality
- Regular monitoring by the Florida Healthy Beaches Program ensures swimming conditions and water quality are safe.
- The island has strict environmental regulations to protect water quality, such as limitations on fertilizer use to prevent runoff.
- Local conservation community groups work and volunteer to keep the beaches clean and preserve marine ecosystems.
Best Beaches for Swimming on Anna Maria Island
While we may be biased, we think all AMI beaches are great for swimming, but here are our top five:
1. Bean Point (Anna Maria)
A secluded paradise at the northern tip of the island, Bean Point is our go-to recommendation for guests looking for seclusion, clear waters, and soft white sand. It features soft white sand and breathtaking views. The water is beautiful but can sometimes have stronger currents.
2. Manatee Public Beach (Holmes Beach)
Manatee Beach (and the All You Can Eat Pancakes at Anna Maria Island Beach Cafe) is among the most popular beaches on the island, with calm, shallow waters and plenty of amenities - something that's sorely lacking at Bean Point.
3. Coquina Beach (Bradenton Beach)
Located at the island's southern end, Coquina Beach is popular for its laid-back vibe, calm and clear waters, and shady picnic areas. It's perfect for swimming with your group or solo, with occasional dolphin sightings!
4. Bayfront Park (Anna Maria)
Bayfront Park isn't as popular with visitors for swimming, but this gorgeous spot facing Tampa Bay boasts gentle waters and a relaxed ambiance. In addition to swimming, it's perfect for wading, paddleboarding, or simply lounging in the sun admiring the sweeping views of Tampa Bay.
5. Cortez Beach (Bradenton Beach)
Less crowded than Coquina, Cortez Beach offers soft sand and usually calm waves, making it a good option for swimmers looking for peace and quiet while taking advantage of the comfortable ocean water temperature.
Best Times of Day to Swim on Anna Maria Island
You can plan your AMI beach day in advance and check the current beach conditions in Manatee County. While AMI's waters are warm all day, certain times might be better than others, depending on your preference.
Morning (7 AM – 10 AM)
Enjoy the calmest, clearest waters of the day, free from wind and boat traffic. This peaceful time is perfect for a relaxing swim or undisturbed snorkeling.
Midday (10 AM – 3 PM):
Enjoy the warmest water temperatures of the year—perfect for long swims in the ocean! Just remember your biodegradable sunscreen. Be aware that beaches like Manatee Public Beach and Coquina Beach can be busier during this time.
Evening (4 PM – Sunset):
As the sun begins to set, the water remains warm and calm, creating the perfect conditions for a relaxing swim with a breathtaking sunset view. For the calmest, clearest water, mornings are ideal. If you prefer basking in the sun and enjoying the warmest temperatures, afternoons are your best bet.
For the best experience, consider:
- Checking daily tide and water conditions before heading out.
- Swimming in designated areas with lifeguards when available.
- Enjoying early morning swims for the clearest water and fewer crowds.
How Anna Maria Island Compares to Other Florida Beaches

Photo Credit; Jim Schwabel
Generally speaking, Anna Maria Island's location on the Gulf Coast provides warmer and calmer waters compared to Florida's Atlantic Coast and the Panhandle.
- AMI vs. Miami & The Florida Keys: While South Florida beaches have similar temperatures, the Gulf waters off AMI tend to be gentler with fewer large waves.
- AMI vs. Destin & The Panhandle: Northern Gulf beaches experience cooler winter water, often dropping below 60°F, whereas AMI's water stays warmer year-round.
- AMI vs. Daytona Beach & The Atlantic Coast: The Atlantic Ocean is cooler and rougher, with more frequent rip currents and larger waves, making AMI's calm Gulf waters better for relaxed swimming.
With its warmer, more predictable water temperatures, AMI offers ideal swimming conditions for most of the year!
Plan Your Beach Days on Anna Maria Island
If you're staying with Anna Maria Island Beach Rentals, you're never far from a beautiful shoreline. Whether you prefer the secluded charm of Bean Point, the family-friendly vibes of Manatee Beach, or the scenic coastline of Coquina Beach, AMI offers incredible swimming conditions year-round.
With warm Gulf waters, soft white sand, and old Florida surroundings, Anna Maria Island provides an unforgettable beach experience, no matter the season. Whether you're in the beginning stages of planning your trip or are ready to book your stay, we're ready to welcome you to Holmes Beach, Bradenton Beach, and Longboat Key.