FloodFireCheck

Does Society Hill flood?

Society Hill, Philadelphia, PA · ZIP codes 19023, 19106, 19147 and 19029: the ZIP codes on most of the flood insurance claims counted here. ZIP codes do not follow neighborhood lines.

Yes. Insured properties in and around Society Hill have filed flood claims. No part of Society Hill’s mapped area is inside FEMA’s Special Flood Hazard Area on the current effective map; it is in Zone X. NFIP flood insurance records list 19 claims from the Census block groups that cover Society Hill, from 1980 through 2018. 15 of them received a payment, totaling $251,616 (not adjusted for inflation). The busiest years were 1999 (10 claims), 1984 (2 claims), 2007 (1 claims).

Past claims do not predict future flooding, and a neighborhood figure cannot tell you about one building. Look up the exact address on the FEMA Flood Map Service Center and get flood insurance quotes before you sign a lease or a contract.

0.0%
of the area in FEMA high-risk zones (SFHA)
19
NFIP claims on record, 1980–2018
$251,616
paid on 15 claims (nominal dollars)
1
claims with a loss year of 2015 or later

Check a specific address in Society Hill

Neighborhood figures are averages. Our address check looks up the FEMA flood zone at one address, from the same public maps: check if your address is in a flood zone.

Flood zones street by street in Society Hill

The named streets in Society Hill, longest first, with how much of each street’s length inside Society Hill lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Society Hill; the main zone is the FEMA zone covering most of that length. A street can cross several zones, so the zone at one address can differ from the street’s main zone: check the address above for that. 6 shorter streets are not listed.

StreetLengthIn high-risk zonesMain zone
Lombard St3,220 ft0.0%X (unshaded, minimal) (100%)
Pine St3,220 ft0.0%X (unshaded, minimal) (100%)
Spruce St3,220 ft0.0%X (unshaded, minimal) (90%)
South St3,170 ft0.0%X (unshaded, minimal) (100%)
Delancey St2,320 ft0.0%X (unshaded, minimal) (100%)
S 6th St2,130 ft0.0%X (unshaded, minimal) (100%)
S 5th St2,130 ft0.0%X (unshaded, minimal) (100%)
S 4th St2,130 ft0.0%X (unshaded, minimal) (100%)
S 3rd St2,130 ft0.0%X (unshaded, minimal) (100%)
S 7th St1,800 ft0.0%X (unshaded, minimal) (100%)
S 8th St1,790 ft0.0%X (unshaded, minimal) (100%)
S 2nd St1,610 ft0.0%X (unshaded, minimal) (97%)
Cypress St1,540 ft0.0%X (unshaded, minimal) (100%)
Addison St1,470 ft0.0%X (unshaded, minimal) (100%)
S Front St1,450 ft0.0%X (unshaded, minimal) (91%)
Manning St1,340 ft0.0%X (unshaded, minimal) (100%)
Locust St1,320 ft0.0%X (unshaded, minimal) (100%)
Rodman St1,210 ft0.0%X (unshaded, minimal) (100%)
Gaskill St1,190 ft0.0%X (unshaded, minimal) (100%)
Walnut St1,150 ft0.0%X (unshaded, minimal) (91%)
Dock St870 ft0.0%X (shaded, 0.2% annual chance) (90%)
St James St740 ft0.0%X (unshaded, minimal) (100%)
S Philip St740 ft0.0%X (unshaded, minimal) (100%)
Old 2nd St710 ft0.0%X (unshaded, minimal) (100%)
W Washington Sq650 ft0.0%X (unshaded, minimal) (100%)

Streets: U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads). Flood zones: FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, retrieved November 7, 2026. Each street is clipped to the neighborhood boundary and measured in an equal-area projection. Street lengths are rounded.

Flood zones in Society Hill

Share of Society Hill’s mapped area (about 0.637 km²) in each FEMA flood zone, from FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Effective date of the FIRM panel(s) covering it (34007C0009F, 42045C0150F, 4207570184H): November 18, 2009, November 18, 2015, August 17, 2016.

FEMA zoneShare of area
X (unshaded, minimal)97%
X (shaded, 0.2% annual chance)2.8%

What the zones mean

Zone AE (and A, AH, AO)
High-risk: part of the Special Flood Hazard Area (SFHA), the area FEMA maps as having a 1-percent chance of flooding in any given year (the “100-year” or base flood). AE areas have a mapped base flood elevation.
Zone VE (and V)
High-risk coastal areas, also in the SFHA, where the base flood is expected to bring additional hazards from storm waves.
Zone X (shaded)
Moderate hazard: between the limits of the 1-percent and the 0.2-percent-annual-chance (“500-year”) flood.
Zone X (unshaded)
Minimal hazard: outside the SFHA and higher than the 0.2-percent-annual-chance flood elevation. Minimal is not zero: flood claims are filed from X zones too.

Source: FEMA Glossary: Flood Zones.

Flood insurance claims over time

Claims filed under the National Flood Insurance Program (NFIP) from the 2010 Census block groups that cover Society Hill. About 69% of the combined area of those block groups lies inside Society Hill, so the claim figures also reflect some nearby blocks. Only insured properties appear, so these counts understate total flooding.

By decade

DecadeClaimsPaid
1980s3$28,743
1990s12$218,418
2000s3$1,606
2010s1$2,850

By year of loss

19801
19842
19911
19941
199910
20031
20071
20091
20181

Named flood events with the most claims

FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:

Why home insurance costs what it does in Society Hill

This section is educational and is not insurance advice.

Flood insurance

ZIP codes do not follow neighborhood lines. These are the ZIP codes on at least 5% of the flood claims counted for Society Hill, within 10 km of it.

  • ZIP code 19106: the median National Flood Insurance Program policy cost for one-building residential policies was $767 a year, the middle of 23 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $550 and $1,060. These policies are priced under Risk Rating 2.0.
  • ZIP code 19106: NFIP records list 14 flood claims with a loss year from 1978 through 2018. The claims dataset is as of September 8, 2026.
  • ZIP code 19147: the median National Flood Insurance Program policy cost for single-family homes was $891 a year, the middle of 63 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $727 and $1,269. These policies are priced under Risk Rating 2.0.
  • ZIP code 19147: NFIP records list 26 flood claims with a loss year from 1979 through 2026. The claims dataset is as of September 8, 2026.

Fire and wind

  • USDA Forest Service Wildfire Risk to Communities gives Philadelphia, PA a Risk to Homes national percentile rank of 0.321, which its methods call Low (below the 40th percentile). That is the city rating, not a rating of Society Hill alone. The summary file is dated April 15, 2026.

What to ask your agent

  • Ask the agent how old the roof is.
  • Ask whether a wind-mitigation discount is available for this house.
  • Ask how flood coverage differs from the homeowners policy. A standard homeowners policy does not cover flood. Flood coverage is a separate policy.
  • Ask whether the policy has a separate hurricane or windstorm deductible, and how that deductible is calculated.
  • Ask when coverage would start. A new National Flood Insurance Program policy generally takes effect 30 days after purchase.

Flood coverage and the 30-day wait: FEMA fact sheet, Jan. 21, 2025; 44 CFR 61.11.

What do NFIP records show for flood insurance in Society Hill?

ZIP code 19106: the median National Flood Insurance Program policy cost for one-building residential policies was $767 a year, the middle of 23 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $550 and $1,060. These policies are priced under Risk Rating 2.0. ZIP code 19106: NFIP records list 14 flood claims with a loss year from 1978 through 2018. The claims dataset is as of September 8, 2026. ZIP code 19147: the median National Flood Insurance Program policy cost for single-family homes was $891 a year, the middle of 63 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $727 and $1,269. These policies are priced under Risk Rating 2.0. ZIP code 19147: NFIP records list 26 flood claims with a loss year from 1979 through 2026. The claims dataset is as of September 8, 2026.

What do public fire and wind records show for Society Hill?

USDA Forest Service Wildfire Risk to Communities gives Philadelphia, PA a Risk to Homes national percentile rank of 0.321, which its methods call Low (below the 40th percentile). That is the city rating, not a rating of Society Hill alone. The summary file is dated April 15, 2026.

What should I ask an insurance agent about a home in Society Hill?

Ask the agent how old the roof is. Ask whether a wind-mitigation discount is available for this house. Ask how flood coverage differs from the homeowners policy. A standard homeowners policy does not cover flood. Flood coverage is a separate policy. Ask whether the policy has a separate hurricane or windstorm deductible, and how that deductible is calculated. Ask when coverage would start. A new National Flood Insurance Program policy generally takes effect 30 days after purchase.

Sources: OpenFEMA NFIP Redacted Policies v3; OpenFEMA NFIP Redacted Claims v3; USDA Forest Service, Wildfire Risk to Communities, community summaries; Wildfire Risk to Communities methods.

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Before you rent or buy in Society Hill

Living in Society Hill

Flood maps are only one part of choosing a neighborhood. To compare Society Hill with other Philadelphia neighborhoods on more than flooding, see Philadelphia on StrollPlace.

Buyer and renter FAQ

Does Society Hill flood?

Yes. Insured properties in and around Society Hill have filed flood claims. No part of Society Hill’s mapped area is inside FEMA’s Special Flood Hazard Area on the current effective map; it is in Zone X. NFIP flood insurance records list 19 claims from the Census block groups that cover Society Hill, from 1980 through 2018. 15 of them received a payment, totaling $251,616 (not adjusted for inflation). The busiest years were 1999 (10 claims), 1984 (2 claims), 2007 (1 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.

Is Society Hill in a flood zone?

No part of Society Hill’s mapped area is inside FEMA’s Special Flood Hazard Area on the current effective map; it is in Zone X. Shares by zone: X (unshaded, minimal) 97%; X (shaded, 0.2% annual chance) 2.8%. The FIRM panel(s) covering it took effect November 18, 2009, November 18, 2015, August 17, 2016.

Which streets in Society Hill are in a high-risk flood zone?

No street listed here has most of its length in FEMA high-risk zones. Less than 10% of Lombard St, Pine St, Spruce St, South St, Delancey St, S 6th St, S 5th St and S 4th St does. Zones can change along a street, so check the exact address.

What ZIP code is Society Hill in?

Society Hill is in Philadelphia, PA. ZIP codes 19023, 19106, 19147 and 19029: the ZIP codes on most of the flood insurance claims counted here. ZIP codes do not follow neighborhood lines. Check the specific address for its own flood zone.

Do renters need flood insurance?

Standard renters policies usually do not cover flood. Renters in a community that participates in the NFIP can buy contents-only flood coverage, up to $100,000 for belongings.

How long does a new flood policy take to start?

A new NFIP policy generally takes effect 30 days after purchase. Exceptions include no wait when the policy is bought while making, increasing, extending or renewing a mortgage, and a one-day wait in a newly designated high-risk zone within 12 months of the map change.

How much coverage can NFIP provide?

For a one-to-four family home, NFIP building coverage goes up to $250,000 and contents coverage up to $100,000. You can buy flood insurance even if you are not in a high-risk zone, as long as your community participates in the NFIP.

FAQ sources: FloodSmart (NFIP): Buy a Flood Insurance Policy; FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025); 44 CFR 61.11, Effective date and time of coverage.

Nearby neighborhoods

How these numbers were made

Neighborhood boundary: Philadelphia Neighborhoods by Robert Cheetham (Azavea), published on OpenDataPhilly, licensed CC BY 4.0 (CC BY 4.0). Flood zone shares: the neighborhood polygon intersected with FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, area computed in an equal-area projection; retrieved November 7, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Philadelphia County (county code 42101), dataset as of September 8, 2026, retrieved November 7, 2026. A 2010 Census block group is counted for a neighborhood when at least 25% of the block group lies inside the neighborhood, or at least 25% of the neighborhood lies inside the block group. Block groups used: 421010009021 (34.5% of the block group is inside Society Hill), 421010010022 (100.0% of the block group is inside Society Hill), 421010010023 (63.5% of the block group is inside Society Hill), 421010010012 (100.0% of the block group is inside Society Hill), 421010010011 (61.6% of the block group is inside Society Hill), 421010010021 (87.5% of the block group is inside Society Hill), 421010011021 (38.5% of the block group is inside Society Hill). Neighboring pages can share a block group, so their counts can overlap. Paid totals add building, contents and Increased Cost of Compliance payments and are not adjusted for inflation; a claim whose FEMA record shows a negative payment (an adjustment) counts as zero. See the methodology.

Sources

  1. Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on November 7, 2026.
  2. FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on November 7, 2026.
  3. Philadelphia Neighborhoods by Robert Cheetham (Azavea), published on OpenDataPhilly, licensed CC BY 4.0 (CC BY 4.0).
  4. U.S. Census Bureau TIGERweb, 2010 Census Block Groups.
  5. FEMA Glossary: Flood Zones.
  6. FloodSmart (NFIP): Buy a Flood Insurance Policy.
  7. FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025).
  8. 44 CFR 61.11, Effective date and time of coverage.
  9. OpenFEMA Terms and Conditions.
  10. OpenFEMA NFIP Redacted Policies v3.
  11. OpenFEMA NFIP Redacted Claims v3.
  12. USDA Forest Service, Wildfire Risk to Communities, community summaries.
  13. Wildfire Risk to Communities methods.
  14. U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads).

Data as of September 8, 2026 (FEMA claims) and November 7, 2026 (flood zones). Page last updated November 7, 2026.