Tampa, Florida Flood Zones
Tampa Bay is considered one of the most hurricane-vulnerable metro areas in the country due to the bay's funnel shape that amplifies storm surge. Low-lying coastal areas face catastrophic flood potential from a direct hurricane hit.
Common Flood Zones in Tampa
Properties in Tampa, FL are commonly designated in these FEMA flood zones:
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Enter any Tampa, FL address to instantly see its FEMA flood zone, risk level, and whether flood insurance is required.
Free Flood Zone LookupWhat Your Flood Zone Means in Tampa
FEMA assigns flood zone designations to every property in the United States based on flood risk assessments. In Tampa, the most common designations are Zone AE, Zone VE, Zone X.
Properties in Special Flood Hazard Areas (SFHAs) - zones starting with A or V - are required to carry flood insurance if they have a federally-backed mortgage. Properties in Zone X are outside the SFHA and flood insurance is typically optional but often recommended.
Flood zone designations can change over time through Letters of Map Amendment (LOMA) or Letters of Map Revision (LOMR). Use our free lookup tool to check the current flood zone for any Tampa address.