Does The Cove flood?
The Cove, Deerfield Beach, FL · ZIP code 33441: the ZIP code on 67 of the 68 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around The Cove have filed flood claims. About 57% of The Cove’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 68 claims from the Census block groups that cover The Cove, from 1979 through 2025. 20 of them received a payment, totaling $129,206 (not adjusted for inflation). The busiest years were 2005 (18 claims), 1999 (11 claims), 2017 (7 claims).
What this page counts as The Cove
We could not find an openly licensed official boundary for The Cove, so this page uses a census-based area. For this page, The Cove 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 The Cove (feature 307721) 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 The Cove. 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 The Cove
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 The Cove
The named streets in The Cove, longest first, with how much of each street’s length inside The Cove lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside The Cove; 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. 25 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| US Hwy 1 | 2.1 mi | 0.7% | X (shaded, 0.2% annual chance) (85%) |
| E Hillsboro Blvd | 1.9 mi | 26% | X (unshaded, minimal) (45%) |
| SE 19th Ave | 4,690 ft | 0.0% | X (unshaded, minimal) (87%) |
| SE 6th St | 4,020 ft | 74% | AE (71%) |
| SE 12th Ave | 3,650 ft | 94% | AE (94%) |
| SE 5th St | 3,440 ft | 74% | AE (74%) |
| SE 21st Ave | 3,340 ft | 80% | AO (40%) |
| S Ocean Way | 3,340 ft | 80% | AO (40%) |
| SE 20th Ave | 3,310 ft | 0.0% | X (unshaded, minimal) (100%) |
| SE 5th Ct | 3,180 ft | 100% | AE (100%) |
| SE 7th Ct | 3,130 ft | 64% | AE (64%) |
| SE 4th Ct | 3,070 ft | 80% | AE (80%) |
| SE 7th St | 2,950 ft | 86% | AE (85%) |
| NE 11th Way | 2,810 ft | 93% | AE (93%) |
| SE 4th St | 2,770 ft | 61% | AE (61%) |
| SE 15th Ave | 2,620 ft | 100% | AE (100%) |
| SE 3rd St | 2,490 ft | 60% | AE (59%) |
| NE 19th Ave | 2,460 ft | 0.0% | X (shaded, 0.2% annual chance) (55%) |
| NE 20th Ave | 2,330 ft | 0.0% | X (unshaded, minimal) (100%) |
| NE 21st Ave | 2,270 ft | 30% | X (unshaded, minimal) (70%) |
| SE 10th Ave | 2,120 ft | 60% | AE (60%) |
| SE 8th St | 1,960 ft | 78% | AE (78%) |
| SE 2nd St | 1,950 ft | 40% | X (unshaded, minimal) (54%) |
| SE 8th Ct | 1,950 ft | 100% | AE (100%) |
| SE 3rd Ct | 1,900 ft | 100% | AE (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 October 30, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in The Cove
Share of The Cove’s mapped area (about 3.408 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 6 to 15 feet. Effective date of the FIRM panel(s) covering it (12011C0179J, 12011C0187J, 12099C1179G, 12099C1200G): July 31, 2024, December 20, 2024.
| FEMA zone | Share of area |
|---|---|
| AE | 35% |
| X (unshaded, minimal) | 24% |
| VE | 20% |
| X (shaded, 0.2% annual chance) | 15% |
| AH | 1.2% |
| AO | 0.2% |
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 The Cove. 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 | 4 | $1,396 |
| 1980s | 6 | $8,010 |
| 1990s | 18 | $17,754 |
| 2000s | 27 | $63,942 |
| 2010s | 9 | $0 |
| 2020s | 4 | $38,104 |
By year of loss
Named flood events with the most claims
- Hurricane Wilma: 15 claims
- Hurricane Irene: 9 claims
- Flooding: 5 claims
- Hurricane Irma: 5 claims
- Hurricane Andrew: 3 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 44
- X/B/C (moderate or minimal): 18
- V/VE (coastal high hazard): 6
How much is flood insurance in The Cove?
The typical National Flood Insurance Program policy on single-family homes in The Cove costs $1,308 a year: the median of 405 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,140 and $1,783. 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 30, 2026.
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Before you rent or buy in The Cove
- 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 The Cove
Flood maps are only one part of choosing a neighborhood. To compare The Cove with other Deerfield Beach neighborhoods on more than flooding, see Deerfield Beach on StrollPlace.
Buyer and renter FAQ
Does The Cove flood?
Yes. Insured properties in and around The Cove have filed flood claims. About 57% of The Cove’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 68 claims from the Census block groups that cover The Cove, from 1979 through 2025. 20 of them received a payment, totaling $129,206 (not adjusted for inflation). The busiest years were 2005 (18 claims), 1999 (11 claims), 2017 (7 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is The Cove in a flood zone?
About 57% of The Cove’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). Shares by zone: AE 35%; X (unshaded, minimal) 24%; VE 20%; X (shaded, 0.2% annual chance) 15%; AH 1.2%; AO 0.2%. The FIRM panel(s) covering it took effect July 31, 2024, December 20, 2024.
Which streets in The Cove are in a high-risk flood zone?
Most of the length of SE 6th St, SE 12th Ave, SE 5th St, SE 21st Ave, S Ocean Way, SE 5th Ct, SE 7th Ct, SE 4th Ct, SE 7th St, NE 11th Way, SE 4th St and SE 15th Ave lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of US Hwy 1, SE 19th Ave, SE 20th Ave, NE 19th Ave and NE 20th Ave does. Zones can change along a street, so check the exact address.
What ZIP code is The Cove in?
The Cove is in Deerfield Beach, FL. ZIP code 33441: the ZIP code on 67 of the 68 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 The Cove?
The typical NFIP flood insurance policy on single-family homes in The Cove cost $1,308 a year: the median of 405 policies that started between August 1, 2025 and July 31, 2026. Half cost between $1,140 and $1,783. 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
- Does Shorewood 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 30, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Broward County (county code 12011), dataset as of September 8, 2026, retrieved October 30, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 120110101041, 120110101042, 120110101031, 120110101032. 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 30, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 30, 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.
- 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 30, 2026 (flood zones). Page last updated October 30, 2026.