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Flood Figures

ZIP 33616 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, 2,575 NFIP flood insurance policies are in force in ZIP 33616 (Tampa, FL), with 629 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,575
Median annual premium
$1,407
premium only
Median annual cost
$1,777
premium + fees & surcharges
Mean annual premium
$1,746
premium only
Policies in SFHA zones
89.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$595,852,200
Contents coverage in force
$112,728,000

"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 33616 by rated flood zone
Policies Share Share bar
AE 2,162 84.0%
X 258 10.0%
A09 81 3.1%
A 71 2.8%
VE 2 0.1%
C 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 33616 by occupancy type
Policies Share Share bar
Single-family homes 1,996 77.5%
Multi-unit buildings 454 17.6%
Units in multi-unit buildings 79 3.1%
Non-residential buildings 46 1.8%

Claims history since 1978

Claims since 1978
629
Total paid
$22,868,157
Paid on buildings
$20,712,907
Paid on contents
$2,125,250
NFIP claims filed per year in ZIP 33616, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 6 $50
1980 1 $0
1981 1 $0
1982 3 $7,760
1983 1 $0
1984 2 $0
1985 35 $198,433
1987 3 $0
1988 13 $9,838
1989 1 $0
1991 1 $115
1992 1 $0
1993 10 $114,563
1995 2 $1,910
1996 27 $296,051
1997 11 $11,329
1998 4 $538
2000 2 $1,307
2001 6 $3,416
2002 2 $0
2003 1 $3,628
2004 27 $321,431
2007 2 $1,467
2010 4 $10,358
2011 2 $0
2013 2 $0
2014 2 $0
2015 13 $89,072
2016 1 $761
2017 6 $2,071
2019 3 $16,909
2020 14 $734,174
2021 5 $57,225
2022 1 $0
2023 24 $693,295
2024 388 $20,292,454
2025 1 $0
2026 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2024 388 $20,292,454
2020 14 $734,174
2023 24 $693,295

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