Does Melrose Park flood?
Melrose Park, Fort Lauderdale, FL · ZIP code 33312: the ZIP code on 365 of the 369 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Melrose Park have filed flood claims. About 24% of Melrose Park’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 369 claims from the Census block groups that cover Melrose Park, from 1979 through 2025. 300 of them received a payment, totaling $12,342,296 (not adjusted for inflation). The busiest years were 2023 (171 claims), 2020 (138 claims), 2005 (11 claims).
What this page counts as Melrose Park
We could not find an openly licensed official boundary for Melrose Park, so this page uses a census-based area. For this page, Melrose Park 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 Melrose Park (feature 301161) and inside the Fort Lauderdale 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 Melrose Park. 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 Melrose Park
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 Melrose Park
The named streets in Melrose Park, longest first, with how much of each street’s length inside Melrose Park lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Melrose Park; 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. 57 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| US Hwy 441 | 2.2 mi | 0.0% | X (shaded, 0.2% annual chance) (69%) |
| W Broward Blvd | 1.5 mi | 31% | X (shaded, 0.2% annual chance) (65%) |
| SW 40th Ave | 1.4 mi | 27% | X (shaded, 0.2% annual chance) (51%) |
| Carolina Ave | 5,180 ft | 38% | X (shaded, 0.2% annual chance) (62%) |
| SW 27th Ave | 5,160 ft | 6.4% | X (shaded, 0.2% annual chance) (78%) |
| Riverland Rd | 5,160 ft | 6.4% | X (shaded, 0.2% annual chance) (78%) |
| SW 31st Ave | 5,070 ft | 8.1% | X (shaded, 0.2% annual chance) (87%) |
| SW 28th Ave | 4,850 ft | 26% | X (shaded, 0.2% annual chance) (70%) |
| Alabama Ave | 4,840 ft | 41% | X (shaded, 0.2% annual chance) (59%) |
| Arizona Ave | 4,550 ft | 49% | X (shaded, 0.2% annual chance) (51%) |
| SW 29th Ave | 4,530 ft | 24% | X (shaded, 0.2% annual chance) (72%) |
| E Dayton Cir | 4,470 ft | 22% | X (shaded, 0.2% annual chance) (78%) |
| SW 30th Ave | 4,300 ft | 16% | X (shaded, 0.2% annual chance) (84%) |
| SW 8th St | 4,270 ft | 48% | X (shaded, 0.2% annual chance) (49%) |
| SW 1st St | 4,180 ft | 62% | AH (62%) |
| Long Island Ave | 4,080 ft | 57% | AH (57%) |
| Pennsylvania Ave | 4,050 ft | 32% | X (shaded, 0.2% annual chance) (68%) |
| SW 7th St | 4,050 ft | 50% | X (shaded, 0.2% annual chance) (50%) |
| W Dayton Cir | 3,940 ft | 16% | X (shaded, 0.2% annual chance) (84%) |
| SW 10th St | 3,650 ft | 85% | AH (85%) |
| SW 3rd St | 3,650 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| SW 6th St | 3,500 ft | 14% | X (shaded, 0.2% annual chance) (86%) |
| SW 28th Ter | 3,480 ft | 37% | X (shaded, 0.2% annual chance) (63%) |
| SW 9th St | 3,470 ft | 32% | X (shaded, 0.2% annual chance) (68%) |
| E Evanston Cir | 3,330 ft | 48% | X (shaded, 0.2% annual chance) (49%) |
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 28, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Melrose Park
Share of Melrose Park’s mapped area (about 4.14 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 7 to 9 feet. Effective date of the FIRM panel(s) covering it (12011C0552J, 12011C0556J): July 31, 2024.
| FEMA zone | Share of area |
|---|---|
| X (shaded, 0.2% annual chance) | 59% |
| AH | 24% |
| X (unshaded, minimal) | 16% |
| AE | 0.5% |
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 Melrose Park. 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 | $1,462 |
| 1980s | 5 | $7,864 |
| 1990s | 9 | $16,120 |
| 2000s | 24 | $87,433 |
| 2010s | 16 | $199,372 |
| 2020s | 311 | $12,030,045 |
By year of loss
Named flood events with the most claims
- April Florida Flooding: 162 claims
- Hurricane Eta: 121 claims
- Hurricane Wilma: 9 claims
- Hurricane Irma: 9 claims
- Flooding: 9 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 318
- X/B/C (moderate or minimal): 49
- Not reported: 1
- Other (D): 1
How much is flood insurance in Melrose Park?
The typical National Flood Insurance Program policy on single-family homes in Melrose Park costs $900 a year: the median of 425 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $745 and $1,022. 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 28, 2026.
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Before you rent or buy in Melrose Park
- 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 Melrose Park
Flood maps are only one part of choosing a neighborhood. To compare Melrose Park with other Fort Lauderdale neighborhoods on more than flooding, see Fort Lauderdale on StrollPlace.
Buyer and renter FAQ
Does Melrose Park flood?
Yes. Insured properties in and around Melrose Park have filed flood claims. About 24% of Melrose Park’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 369 claims from the Census block groups that cover Melrose Park, from 1979 through 2025. 300 of them received a payment, totaling $12,342,296 (not adjusted for inflation). The busiest years were 2023 (171 claims), 2020 (138 claims), 2005 (11 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Melrose Park in a flood zone?
About 24% of Melrose Park’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) 59%; AH 24%; X (unshaded, minimal) 16%; AE 0.5%. The FIRM panel(s) covering it took effect July 31, 2024.
Which streets in Melrose Park are in a high-risk flood zone?
Most of the length of SW 1st St, Long Island Ave and SW 10th St lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of US Hwy 441, SW 27th Ave, Riverland Rd, SW 31st Ave and SW 3rd St does. Zones can change along a street, so check the exact address.
What ZIP code is Melrose Park in?
Melrose Park is in Fort Lauderdale, FL. ZIP code 33312: the ZIP code on 365 of the 369 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 Melrose Park?
The typical NFIP flood insurance policy on single-family homes in Melrose Park cost $900 a year: the median of 425 policies that started between August 1, 2025 and July 31, 2026. Half cost between $745 and $1,022. 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 Riverland flood?
- Does Rock Island flood?
- Does Lauderdale Harbors flood?
- Does Rio Vista Isles flood?
- Does Nurmi Isles flood?
- Does Bay Harbor 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 28, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Broward County (county code 12011), dataset as of September 8, 2026, retrieved October 28, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 120110429003, 120110429004, 120110428005, 120110428004, 120110428002, 120110428003, 120110429002, 120110429001, 120110430021. 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 28, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 28, 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 28, 2026 (flood zones). Page last updated October 28, 2026.