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Flood Figures

ZIP 33609 flood insurance data

Computed from OpenFEMA FIMA NFIP Redacted Policies (v2) and OpenFEMA FIMA NFIP Redacted Claims (v2). Policy data as of June 1, 2026; claims recorded through June 1, 2026.

As of June 1, 2026, 2,257 NFIP flood insurance policies are in force in ZIP 33609 (Tampa, FL), with 1,002 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,257
Median annual premium
$968
premium only
Median annual cost
$1,260
premium + fees & surcharges
Mean annual premium
$1,825
premium only
Policies in SFHA zones
57.3%
zones A, AE, AH, AO, V, VE
Building coverage in force
$535,872,400
Contents coverage in force
$155,706,000

"Premium" is the policy premium alone; "cost" adds federal fees and surcharges. In-force counts are an approximation derived from policy effective, termination, and cancellation dates — see methodology.

Flood zones of insured properties

NFIP policies in ZIP 33609 by rated flood zone
Policies Share Share bar
AE 1,362 60.3%
X 836 37.0%
A 27 1.2%
VE 19 0.8%
C 6 0.3%
A10 4 0.2%
B 2 0.1%
V 1 0.0%

Distribution of insured properties by the flood zone used in their policy rating — not a map of land area. Numbered zones (A1–A30, V1–V30) and Zones B and C appear on older FEMA map panels; B and C correspond to today's shaded and unshaded Zone X.

What the policies cover

NFIP policies in ZIP 33609 by occupancy type
Policies Share Share bar
Single-family homes 1,576 69.8%
Multi-unit buildings 423 18.7%
Non-residential buildings 169 7.5%
Units in multi-unit buildings 89 3.9%

Claims history since 1978

Claims since 1978
1,002
Total paid
$69,396,850
Paid on buildings
$56,504,292
Paid on contents
$12,892,559
NFIP claims filed per year in ZIP 33609, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 34 $114,156
1981 2 $0
1982 26 $43,842
1983 1 $0
1985 173 $1,682,009
1987 4 $2,041
1988 33 $127,113
1991 2 $3,706
1992 2 $9,872
1993 12 $92,593
1994 4 $5,506
1995 3 $15,066
1996 63 $1,082,981
1997 27 $42,689
1998 3 $2,438
2000 5 $72,993
2001 2 $0
2002 2 $6,600
2003 1 $26,040
2004 25 $637,987
2005 1 $0
2006 9 $162,648
2007 2 $0
2009 1 $25,972
2012 10 $27,877
2013 2 $46,798
2015 56 $1,842,806
2016 3 $83,357
2017 10 $147,551
2019 1 $1,766
2020 14 $901,712
2021 2 $0
2022 3 $13,734
2023 19 $1,159,616
2024 442 $61,015,380
2025 3 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2024 442 $61,015,380
2015 56 $1,842,806
1985 173 $1,682,009

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