ZIP 33618 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, 995 NFIP flood insurance policies are in force in ZIP 33618 (Tampa, FL), with 169 flood claims recorded since 1978.

Policies & premiums

Policies in force: 995
Median annual premium: $360; premium only
Median annual cost: $509; premium + fees & surcharges
Mean annual premium: $404; premium only
Policies in SFHA zones: 22.5%; zones A, AE, AH, AO, V, VE
Building coverage in force: $234,501,600
Contents coverage in force: $82,597,000

"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 33618 by rated flood zone
	Policies	Share
X	757	76.1%
AE	214	21.5%
A	24	2.4%

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 33618 by occupancy type
	Policies	Share
Single-family homes	835	83.9%
Units in multi-unit buildings	77	7.7%
Multi-unit buildings	49	4.9%
Non-residential buildings	34	3.4%

Claims history since 1978

Claims since 1978: 169
Total paid: $4,106,223
Paid on buildings: $3,534,100
Paid on contents: $572,123

NFIP claims filed per year in ZIP 33618, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).

Claims by year (data table)

Year	Claims	Paid
1979	10	$12,141
1982	4	$535
1983	1	$280
1985	4	$7,067
1986	1	$975
1988	2	$0
1991	2	$0
1992	1	$0
1993	3	$16,894
1994	3	$0
1997	13	$130,778
1998	8	$21,198
2000	1	$0
2001	1	$0
2002	1	$1,223
2003	4	$22,884
2004	11	$82,356
2007	2	$0
2008	5	$27,819
2010	1	$0
2011	2	$6,632
2012	4	$22,488
2014	2	$0
2015	26	$326,933
2016	1	$14,375
2017	4	$68,658
2018	1	$38,174
2021	3	$13,347
2022	1	$0
2023	2	$0
2024	45	$3,291,463

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year	Claims	Paid
2024	45	$3,291,463
2015	26	$326,933
1997	13	$130,778

City page: Flood insurance in Tampa, FL
State page: Flood insurance in Florida
Other ZIPs in Tampa: 33615 , 33611 , 33629 , 33616 , 33606
Tool: look up another ZIP
Reading: What is the NFIP? · How these figures are computed