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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 109 Tampa neighborhoods and 1,598 listing addresses checked against the FEMA National Flood Hazard Layer, 80% of addresses sit outside the Special Flood Hazard Area (Zone X), 20% are in A-series high-risk zones. 18 neighborhoods are majority high-risk; 65 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).

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).

NeighborhoodOutside SFHA (X)A-series (high risk)V-series (coastal)Addresses
palm river townhomes0%100%—29
Port Tampa City Map0%100%—29
Anita0%100%—22
Montague Chase0%100%—16
Bay Port Colony0%100%—13
Norma Park0%100%—12
Baybridge0%100%—11
Bayshore Pointe Townhomes Phas0%100%—10
Culbreath Bayou0%100%—9
North Bay Village Condominiums0%100%—9
Westshore Yacht Club0%100%—9
Tudor Cay Condo0%100%—8
Sunset Camp0%100%—8
Richardsons Village Subdivisi0%100%—8
beach park isle12%88%—25
Morrison Grove29%71%—14
Townn Country Park42%58%—33
Ballast Point50%50%—8
bayport west58%42%—12
Tampa Overlook62%38%—26
Bridge Haven62%38%—16
Ridgewood Park68%32%—22
Hyde Park West69%31%—13
North Pointe75%25%—16
progress village79%21%—19
westchase80%20%—15
eaglebrook80%20%—10
Belmont Heights83%17%—18
west park estates85%15%—13
Idlewild On The Hillsborough86%14%—14
country place88%12%—26
Fern Cliff88%12%—16
somerset park88%12%—16
Lake Magdalene Arms Estates Sc88%12%—8
Tampas North Side Country Cl90%10%—20
lago vista90%10%—10
West Lake Townhomes90%10%—10
Riverbend92%8%—13
Tampas North Side Country Clu93%7%—27
Buffalo Heights93%7%—15
North Park Annex93%7%—15
Riverbend Manor94%6%—16
carrollwood village95%5%—20
Sulphur Springs96%4%—25
touchstone100%0%—36
heritage isles100%0%—26
Grant Park100%0%—22
clair mel city100%0%—22
Suburb Royal100%0%—20
Campobello Blocks100%0%—20
Mac Farlanes100%0%—20
Palma Ceia Park100%0%—20
Seminole Heights North100%0%—19
Hunters Green100%0%—19
Waterchase100%0%—17
Arbor Greene100%0%—17
Live Oak Preserve100%0%—17
carrollwood100%0%—17
Avila100%0%—17
Harvest Creek Village100%0%—16
temple park100%0%—16
Town Of Citrus Park100%0%—15
Tampa Palms100%0%—15
Hampton Terrace100%0%—15
Esplanade Of Tampa100%0%—15
cross creek100%0%—14
Drews Subdivision100%0%—14
clair mel city100%0%—14
Golfland Of Tampas North Side100%0%—14
Nebraska Heights100%0%—14
The Grand At Olde Carrollwood100%0%—14
North New Suburb Beautiful100%0%—14
Temple Terraces100%0%—14
Westpark Preserve100%0%—14
cherry creek100%0%—13
Grove Park Estates100%0%—13
Cypress Estates100%0%—13
parkland estates100%0%—13
twelve oaks village100%0%—13
Lake Chase Condominium100%0%—13
Lakeview Citrus Park100%0%—13
Casa Loma100%0%—13
Benjamins100%0%—12
Kings Forest100%0%—12
country chase100%0%—12
Eastern Heights100%0%—11
tampa palms100%0%—11
Ashburn Square Townhomes100%0%—11
Beacon Meadows100%0%—11
K Bar Ranch100%0%—11
Manor Hills100%0%—11
Le Clare Shores100%0%—10
Wellswood Estates100%0%—10
Bouton Skinners100%0%—10
Nassau100%0%—10
New Suburb Beautiful100%0%—9
Gunn Townhomes100%0%—9
Sheldon West Mh Community100%0%—9
Sanctuary At Citrus Park100%0%—9
Hillsboro Heights Map100%0%—9
Retreat At Carrollwood100%0%—9
North Bon Air100%0%—9
Plandome Heights100%0%—9
oakland hills100%0%—9
Druid Hills100%0%—8
Edgewater Place100%0%—8
orange terrace100%0%—8
Mill Pond Village100%0%—8
Sulphur Springs100%0%—8

Sampled entirely outside the flood hazard area

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

Majority high-risk neighborhoods

palm river townhomes (100%), Port Tampa City Map (100%), Anita (100%), Montague Chase (100%), Bay Port Colony (100%), Norma Park (100%), Baybridge (100%), Bayshore Pointe Townhomes Phas (100%), Culbreath Bayou (100%), North Bay Village Condominiums (100%), Westshore Yacht Club (100%), Tudor Cay Condo (100%), Sunset Camp (100%), Richardsons Village Subdivisi (100%), beach park isle (88%), Morrison Grove (71%), 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, September 2026.

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