Does Shorewood flood?
Shorewood, Deerfield Beach, FL · ZIP code 33441: the ZIP code on 18 of the 18 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Shorewood have filed flood claims. About 13% of Shorewood’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 18 claims from the Census block groups that cover Shorewood, from 1979 through 2016. 3 of them received a payment, totaling $2,117 (not adjusted for inflation). The busiest years were 1979 (7 claims), 2004 (3 claims), 1999 (2 claims).
What this page counts as Shorewood
We could not find an openly licensed official boundary for Shorewood, so this page uses a census-based area. For this page, Shorewood 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 Shorewood (feature 291080) and inside the Deerfield Beach 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 Shorewood. Sources: U.S. Census Bureau TIGERweb, 2010 Census Block Groups 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 Shorewood
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 Shorewood
The named streets in Shorewood, longest first, with how much of each street’s length inside Shorewood lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Shorewood; 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. 4 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| SE 2nd Ave | 2,750 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| SW 1st Way | 2,740 ft | 0.0% | X (shaded, 0.2% annual chance) (55%) |
| S Deerfield Ave | 2,680 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| SE 4th Ave | 2,670 ft | 55% | AH (55%) |
| SE 1st Way | 2,430 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| SE 11th St | 2,430 ft | 29% | X (shaded, 0.2% annual chance) (71%) |
| SE 14th St | 2,390 ft | 26% | X (shaded, 0.2% annual chance) (74%) |
| SE 6th Ave | 2,030 ft | 34% | X (shaded, 0.2% annual chance) (66%) |
| State Hwy 811 | 2,030 ft | 0.0% | X (shaded, 0.2% annual chance) (81%) |
| SE 13th St | 2,010 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| SE 10th Ct | 1,990 ft | 2.1% | X (shaded, 0.2% annual chance) (98%) |
| SE 2nd Ter | 1,960 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| US Hwy 1 | 1,920 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| SE 15th St | 1,900 ft | 42% | X (shaded, 0.2% annual chance) (58%) |
| SE 3rd Ter | 1,850 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| SE 10th St | 1,810 ft | 32% | X (shaded, 0.2% annual chance) (63%) |
| SE 14th Pl | 1,510 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| SE 11th Ct | 1,470 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| SW 1st Ter | 1,450 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| SE 13th Ct | 1,210 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| SE 3rd Ave | 1,080 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| SE 1st Ter | 1,070 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| SE 14th Ct | 1,010 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| SE 12th St | 880 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| SW 15th St | 800 ft | 0.0% | X (shaded, 0.2% annual chance) (67%) |
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 Shorewood
Share of Shorewood’s mapped area (about 1.053 km²) in each FEMA flood zone, from FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Mapped base flood elevations inside the neighborhood range from 9 to 10 feet. Effective date of the FIRM panel(s) covering it (12011C0186J, 12011C0187J): July 31, 2024.
| FEMA zone | Share of area |
|---|---|
| X (shaded, 0.2% annual chance) | 71% |
| X (unshaded, minimal) | 16% |
| AH | 13% |
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 Shorewood. 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 | 7 | $300 |
| 1990s | 3 | $1,140 |
| 2000s | 5 | $677 |
| 2010s | 3 | $0 |
By year of loss
Named flood events with the most claims
- Flooding: 7 claims
- Hurricane Irene: 2 claims
- Hurricane Wilma: 2 claims
- Hurricane Frances: 2 claims
- Hurricane Ivan: 1 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 11
- X/B/C (moderate or minimal): 7
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Before you rent or buy in Shorewood
- 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 Shorewood
Flood maps are only one part of choosing a neighborhood. To compare Shorewood with other Deerfield Beach neighborhoods on more than flooding, see Deerfield Beach on StrollPlace.
Buyer and renter FAQ
Does Shorewood flood?
Yes. Insured properties in and around Shorewood have filed flood claims. About 13% of Shorewood’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 18 claims from the Census block groups that cover Shorewood, from 1979 through 2016. 3 of them received a payment, totaling $2,117 (not adjusted for inflation). The busiest years were 1979 (7 claims), 2004 (3 claims), 1999 (2 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Shorewood in a flood zone?
About 13% of Shorewood’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 (shaded, 0.2% annual chance) 71%; X (unshaded, minimal) 16%; AH 13%. The FIRM panel(s) covering it took effect July 31, 2024.
Which streets in Shorewood are in a high-risk flood zone?
Most of the length of SE 4th Ave lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of SE 2nd Ave, SW 1st Way, S Deerfield Ave, SE 1st Way, State Hwy 811, SE 13th St, SE 10th Ct and SE 2nd Ter does. Zones can change along a street, so check the exact address.
What ZIP code is Shorewood in?
Shorewood is in Deerfield Beach, FL. ZIP code 33441: the ZIP code on 18 of the 18 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
- Does The Cove flood?
- Does Barwal flood?
- Does Woodsetter North flood?
- Does Crystal Lake flood?
- Does West Deerfield Beach flood?
How these numbers were made
Area: the census-based definition above, using U.S. Census Bureau TIGERweb, 2010 Census Block Groups 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 Broward County (county code 12011), 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: 120110102005, 120110102003, 120110102004. 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 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.
- 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.