Does Coachman flood?
Coachman, Clearwater, FL · ZIP codes 33765, 33759 and 34619: 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 Coachman have filed flood claims. About 19% of Coachman’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 45 claims from the Census block groups that cover Coachman, from 1978 through 2025. 27 of them received a payment, totaling $2,497,744 (not adjusted for inflation). The busiest years were 2024 (10 claims), 1979 (10 claims), 1981 (6 claims).
What this page counts as Coachman
We could not find an openly licensed official boundary for Coachman, so this page uses a census-based area. For this page, Coachman means the 2010 Census block groups whose center lies within 1.6 km (1.0 miles) of the U.S. Geological Survey (GNIS) map point for Coachman (feature 295206) and inside the Clearwater city limits (U.S. Census Bureau), each block group going to the nearest of the places we cover. Every number below is for exactly those block groups (listed in “How these numbers were made”), so the edges are approximate and may include or leave out a few blocks people would call Coachman. Sources: U.S. Census Bureau TIGERweb, 2010 Census Block Groups, National Park Service, National Register of Historic Places boundaries (NRHP polygons) and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
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.
Check a specific address in Coachman
Neighborhood figures are averages. Our address check looks up the FEMA flood zone and the hurricane evacuation zone at one address, from the same public maps: check if your address is in a flood zone.
Flood zones street by street in Coachman
The named streets in Coachman, longest first, with how much of each street’s length inside Coachman lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Coachman; 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. 46 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| State Hwy 55 | 3.0 mi | 1.8% | X (unshaded, minimal) (98%) |
| Drew St | 1.9 mi | 0.0% | X (unshaded, minimal) (92%) |
| NE Coachman Rd | 1.7 mi | 7.1% | X (unshaded, minimal) (90%) |
| N Hercules Ave | 5,100 ft | 0.0% | X (unshaded, minimal) (100%) |
| Old Coachman Rd | 4,920 ft | 36% | X (unshaded, minimal) (61%) |
| Stag Run Blvd | 4,580 ft | 0.0% | X (unshaded, minimal) (100%) |
| Belcher Rd | 4,270 ft | 0.0% | X (unshaded, minimal) (100%) |
| Sharkey Rd | 3,960 ft | 8.8% | X (unshaded, minimal) (85%) |
| N Old Coachman Rd | 3,530 ft | 1.9% | X (unshaded, minimal) (94%) |
| Palmetto St | 3,470 ft | 0.0% | X (unshaded, minimal) (100%) |
| Access Rd A | 3,350 ft | 56% | AE (56%) |
| Fairwood Ave | 3,310 ft | 61% | AE (61%) |
| Range Rd | 2,960 ft | 0.0% | X (unshaded, minimal) (100%) |
| McCauley Rd | 2,830 ft | 0.0% | X (unshaded, minimal) (100%) |
| Marilyn St | 2,390 ft | 0.0% | X (unshaded, minimal) (100%) |
| Anna Ave | 2,160 ft | 0.0% | X (unshaded, minimal) (100%) |
| Lantern Way | 1,990 ft | 0.0% | X (unshaded, minimal) (100%) |
| McKinley St | 1,960 ft | 0.0% | X (unshaded, minimal) (100%) |
| Ridge Top Way | 1,820 ft | 0.0% | X (unshaded, minimal) (100%) |
| Campbell Rd | 1,760 ft | 0.0% | X (unshaded, minimal) (100%) |
| S Jessica Rd | 1,730 ft | 0.0% | X (unshaded, minimal) (100%) |
| Dora Dr | 1,700 ft | 0.0% | X (unshaded, minimal) (89%) |
| Alligator Creek Rd | 1,680 ft | 0.0% | X (unshaded, minimal) (99%) |
| Lake Forest Rd | 1,590 ft | 0.0% | X (unshaded, minimal) (96%) |
| College Hill Dr | 1,560 ft | 0.0% | X (unshaded, minimal) (98%) |
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 October 29, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Coachman
Share of Coachman’s mapped area (about 5.174 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 (12103C0107J, 12103C0109J, 12103C0126G, 12103C0128H): September 3, 2003, August 24, 2021.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 76% |
| AE | 19% |
| X (shaded, 0.2% annual chance) | 4.7% |
| A | 0.0% |
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 Coachman. This area is made of whole block groups, so every claim counted here comes from inside it. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1970s | 11 | $21,991 |
| 1980s | 12 | $2,984 |
| 1990s | 2 | $4,923 |
| 2000s | 6 | $12,330 |
| 2010s | 2 | $14,103 |
| 2020s | 12 | $2,441,413 |
By year of loss
Named flood events with the most claims
- Hurricane Milton: 10 claims
- Flooding: 8 claims
- Tropical Storm Debby: 2 claims
- Hurricane Ian: 1 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- X/B/C (moderate or minimal): 24
- A/AE/AH/AO (high risk): 18
- Other (D): 1
- Not reported: 1
- V/VE (coastal high hazard): 1
How much is flood insurance in Coachman?
The typical National Flood Insurance Program policy on single-family homes in Coachman costs $859 a year: the median of 104 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $668 and $1,003. That is the full amount paid for the year, the premium plus FEMA’s fees and surcharges, and every one of these policies is priced under Risk Rating 2.0. A quote for one building can be far from this: its elevation, foundation, age, coverage and deductible all change the price. Private flood insurance is not included.
Source: FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3, computed October 29, 2026.
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Before you rent or buy in Coachman
- Look up the exact address on the FEMA Flood Map Service Center; a neighborhood can mix high-risk and minimal-hazard zones.
- Ask the landlord or seller about past flooding and flood insurance claims at the property.
- Get a flood insurance quote early: new NFIP policies usually take 30 days to start (FloodSmart (NFIP): Buy a Flood Insurance Policy).
- Ask which floor the unit is on and where parking, storage and mechanical equipment sit.
Living in Coachman
Flood maps are only one part of choosing a neighborhood. To compare Coachman with other Clearwater neighborhoods on more than flooding, see Clearwater on StrollPlace.
Buyer and renter FAQ
Does Coachman flood?
Yes. Insured properties in and around Coachman have filed flood claims. About 19% of Coachman’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 45 claims from the Census block groups that cover Coachman, from 1978 through 2025. 27 of them received a payment, totaling $2,497,744 (not adjusted for inflation). The busiest years were 2024 (10 claims), 1979 (10 claims), 1981 (6 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Coachman in a flood zone?
About 19% of Coachman’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. Shares by zone: X (unshaded, minimal) 76%; AE 19%; X (shaded, 0.2% annual chance) 4.7%; A 0.0%. The FIRM panel(s) covering it took effect September 3, 2003, August 24, 2021.
Which streets in Coachman are in a high-risk flood zone?
Most of the length of Access Rd A and Fairwood Ave lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of State Hwy 55, Drew St, NE Coachman Rd, N Hercules Ave, Stag Run Blvd, Belcher Rd, Sharkey Rd and N Old Coachman Rd does. Zones can change along a street, so check the exact address.
What ZIP code is Coachman in?
Coachman is in Clearwater, FL. ZIP codes 33765, 33759 and 34619: 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.
How much is flood insurance in Coachman?
The typical NFIP flood insurance policy on single-family homes in Coachman cost $859 a year: the median of 104 policies that started between August 1, 2025 and July 31, 2026. Half cost between $668 and $1,003. One building’s quote can be far from this; its elevation, foundation, age, coverage and deductible all change the price.
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
- Bayview
- Does Clearwater Beach flood?
How these numbers were made
Area: the census-based definition above, using U.S. Census Bureau TIGERweb, 2010 Census Block Groups, National Park Service, National Register of Historic Places boundaries (NRHP polygons) and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names. Flood zone shares: the area polygon intersected with FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, area computed in an equal-area projection; retrieved October 29, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Pinellas County (county code 12103), dataset as of September 8, 2026, retrieved October 29, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 121030267026, 121030267025, 121030267032, 121030268182, 121030267031. 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
- Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on October 29, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 29, 2026.
- U.S. Census Bureau TIGERweb, 2010 Census Block Groups, National Park Service, National Register of Historic Places boundaries (NRHP polygons) and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
- FEMA Glossary: Flood Zones.
- 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.
- OpenFEMA Terms and Conditions.
- FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3.
- U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads).
Data as of September 8, 2026 (FEMA claims) and October 29, 2026 (flood zones). Page last updated October 29, 2026.