Buying or selling? Call (904) 351-6461

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 104 Tampa neighborhoods and 1,475 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. 17 neighborhoods are majority high-risk; 64 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).

NeighborhoodOutside SFHA (X)A-series (high risk)V-series (coastal)Addresses
palm river townhomes0%100%—26
Port Tampa City Map0%100%—24
Anita0%100%—22
Montague Chase0%100%—15
Norma Park0%100%—12
Bay Port Colony0%100%—12
Bayshore Pointe Townhomes Phas0%100%—11
North Bay Village Condominiums0%100%—11
Baybridge0%100%—11
Culbreath Bayou0%100%—9
Westshore Yacht Club0%100%—9
Tudor Cay Condo0%100%—8
Richardsons Village Subdivisi0%100%—8
beach park isle9%91%—23
Morrison Grove18%82%—11
Townn Country Park37%63%—27
Ballast Point50%50%—8
bayport west55%45%—11
Tampa Overlook61%39%—23
Bridge Haven62%38%—16
Ridgewood Park68%32%—22
Hyde Park West71%29%—14
North Pointe73%27%—15
progress village79%21%—19
westchase80%20%—15
eaglebrook80%20%—10
west park estates83%17%—12
Idlewild On The Hillsborough85%15%—13
country place86%14%—21
Fern Cliff87%13%—15
somerset park87%13%—15
Belmont Heights88%12%—16
lago vista89%11%—9
Tampas North Side Country Cl90%10%—20
Tampas North Side Country Clu92%8%—24
North Park Annex93%7%—15
Buffalo Heights93%7%—14
Riverbend Manor94%6%—16
Sulphur Springs95%5%—21
carrollwood village95%5%—20
touchstone100%0%—31
heritage isles100%0%—21
clair mel city100%0%—21
Grant Park100%0%—20
Suburb Royal100%0%—19
Campobello Blocks100%0%—19
Mac Farlanes100%0%—18
Hunters Green100%0%—18
Palma Ceia Park100%0%—18
Waterchase100%0%—17
Avila100%0%—17
Live Oak Preserve100%0%—16
Seminole Heights North100%0%—16
Harvest Creek Village100%0%—16
temple park100%0%—16
Esplanade Of Tampa100%0%—16
cross creek100%0%—15
Arbor Greene100%0%—15
The Grand At Olde Carrollwood100%0%—15
Hampton Terrace100%0%—15
Town Of Citrus Park100%0%—14
clair mel city100%0%—14
cherry creek100%0%—14
Tampa Palms100%0%—14
Golfland Of Tampas North Side100%0%—14
parkland estates100%0%—14
Nebraska Heights100%0%—14
carrollwood100%0%—14
Westpark Preserve100%0%—14
Drews Subdivision100%0%—13
Cypress Estates100%0%—13
twelve oaks village100%0%—13
North New Suburb Beautiful100%0%—13
Temple Terraces100%0%—13
Lake Chase Condominium100%0%—13
Casa Loma100%0%—13
Riverbend100%0%—12
Grove Park Estates100%0%—12
Benjamins100%0%—12
country chase100%0%—12
Lakeview Citrus Park100%0%—12
Eastern Heights100%0%—11
tampa palms100%0%—11
Kings Forest100%0%—11
Beacon Meadows100%0%—11
Manor Hills100%0%—11
Ashburn Square Townhomes100%0%—10
Sheldon West Mh Community100%0%—10
Wellswood Estates100%0%—10
K Bar Ranch100%0%—10
New Suburb Beautiful100%0%—9
Sanctuary At Citrus Park100%0%—9
Hillsboro Heights Map100%0%—9
Le Clare Shores100%0%—9
Retreat At Carrollwood100%0%—9
North Bon Air100%0%—9
Bouton Skinners100%0%—9
Plandome Heights100%0%—9
Nassau100%0%—9
Druid Hills100%0%—8
Edgewater Place100%0%—8
orange terrace100%0%—8
Gunn Townhomes100%0%—8
oakland hills100%0%—8

Sampled entirely outside the flood hazard area

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

Majority high-risk neighborhoods

palm river townhomes (100%), Port Tampa City Map (100%), Anita (100%), Montague Chase (100%), Norma Park (100%), Bay Port Colony (100%), Bayshore Pointe Townhomes Phas (100%), North Bay Village Condominiums (100%), Baybridge (100%), Culbreath Bayou (100%), Westshore Yacht Club (100%), Tudor Cay Condo (100%), Richardsons Village Subdivisi (100%), beach park isle (91%), Morrison Grove (82%), Townn Country Park (63%), 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.

Hiring an agent in Tampa, FL?

Get matched with the right local expert.

Tell us your goal in Tampa, FL and we’ll connect you with the Momentum agent who knows it best — backed by a RealTrends 500 brokerage. No pressure, no obligation.

Prefer to talk now? Call (904) 351-6461.

Work with a local Tampa, FL expert

A real conversation with a local specialist, usually within one business day.

or call (904) 351-6461