Tampa Flood Zones by Neighborhood

Flood zone decides two things for a buyer in Tampa: whether a lender will require flood insurance, and roughly what it costs. FEMA maps every parcel into a zone — X (and B/C) is low-to-moderate risk with no mandatory coverage; A-series zones (A, AE, AH, AO) are the Special Flood Hazard Area, the 1%-a-year floodplain, where coverage is mandatory with a federally backed mortgage. This page samples the listing addresses in each neighborhood against the current FEMA layer so you can see the pattern before you fall for a house.

Across 97 Tampa neighborhoods and 1,390 listing addresses checked against the FEMA National Flood Hazard Layer, 81% of addresses sit outside the Special Flood Hazard Area (Zone X), 19% are in A-series high-risk zones. 15 neighborhoods are majority high-risk; 61 sampled entirely outside the SFHA. In a high-risk zone, flood insurance is required with any federally backed mortgage and Florida’s Citizens policies now require it regardless of zone (all policies by 2027).

Flood is a separate policy from homeowners insurance; for the homeowners side, see the cost of home insurance in Tampa (county Citizens average, ZIP by ZIP).

Tampa neighborhoods ranked by flood exposure

Share of sampled addresses by FEMA zone group. Sorted by high-risk share; n is the number of distinct addresses checked (minimum 8).

Sampled entirely outside the flood hazard area

touchstone, Sulphur Springs, Palma Ceia Park, heritage isles, Grant Park, clair mel city, Campobello Blocks, Mac Farlanes, temple park, Avila, Live Oak Preserve, Suburb Royal, Hunters Green, Esplanade Of Tampa, Seminole Heights North, Waterchase, cross creek, Arbor Greene, parkland estates, carrollwood, Harvest Creek Village, clair mel city, cherry creek, Tampa Palms, Golfland Of Tampas North Side, The Grand At Olde Carrollwood, Hampton Terrace, Town Of Citrus Park, Cypress Estates, Nebraska Heights, twelve oaks village, Temple Terraces, Lake Chase Condominium, Casa Loma, Riverbend, country chase, North New Suburb Beautiful, Westpark Preserve, Lakeview Citrus Park, Eastern Heights.

Majority high-risk neighborhoods

palm river townhomes (100%), Anita (100%), Port Tampa City Map (100%), Montague Chase (100%), Bayshore Pointe Townhomes Phas (100%), North Bay Village Condominiums (100%), Baybridge (100%), Bay Port Colony (100%), Culbreath Bayou (100%), Westshore Yacht Club (100%), Richardsons Village Subdivisi (100%), beach park isle (92%), Morrison Grove (82%), Townn Country Park (58%), Ballast Point (50%). Expect a flood-insurance quote before you make an offer; elevation certificates matter here.

How to read this

These are shares of listing addresses we have checked, not parcel counts, and FEMA revises maps; a neighborhood at 0% can still contain a low lot. Always verify the specific address at msc.fema.gov. Source: FEMA National Flood Hazard Layer, address-level lookups compiled by Momentum Research, October 2026.