Does Palm Springs flood?
Palm Springs, Hialeah, FL · ZIP code 33012: the ZIP code on 272 of the 273 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Palm Springs have filed flood claims. About 42% of Palm Springs’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 273 claims from the Census block groups that cover Palm Springs, from 1979 through 2020. 107 of them received a payment, totaling $877,440 (not adjusted for inflation). The busiest years were 1999 (68 claims), 2000 (59 claims), 1992 (42 claims).
What this page counts as Palm Springs
We could not find an openly licensed official boundary for Palm Springs, so this page uses a census-based area. For this page, Palm Springs 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 Palm Springs (feature 288412) and inside the Hialeah 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 Palm Springs. 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 Palm Springs
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 Palm Springs
The named streets in Palm Springs, longest first, with how much of each street’s length inside Palm Springs lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Palm Springs; 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. 68 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| W 49th St | 2.0 mi | 8.3% | X (unshaded, minimal) (92%) |
| W 53rd St | 1.9 mi | 61% | AH (61%) |
| W 12th Ave | 1.2 mi | 56% | AH (55%) |
| W 50th St | 1.2 mi | 15% | X (unshaded, minimal) (85%) |
| W 44th Pl | 1.2 mi | 83% | AH (83%) |
| W 53rd Ter | 1.1 mi | 52% | AH (52%) |
| W 10th Ave | 1.1 mi | 63% | AH (63%) |
| N Red Rd | 1.1 mi | 58% | AH (58%) |
| W 8th Ave | 1.1 mi | 48% | X (unshaded, minimal) (52%) |
| W 9th Ct | 1.0 mi | 43% | X (unshaded, minimal) (57%) |
| W 4th Ave | 1.0 mi | 66% | AH (66%) |
| W 51st Pl | 1.0 mi | 70% | AH (70%) |
| W 2nd Ave | 5,240 ft | 67% | AH (67%) |
| W 46th St | 5,110 ft | 64% | AH (64%) |
| W 45th Pl | 4,570 ft | 65% | AH (65%) |
| W 39th Pl | 4,400 ft | 2.5% | X (unshaded, minimal) (98%) |
| W 3rd Ave | 4,140 ft | 53% | AH (53%) |
| W 48th St | 3,950 ft | 54% | AH (54%) |
| W 56th St | 3,920 ft | 46% | X (unshaded, minimal) (54%) |
| W 54th St | 3,900 ft | 75% | AH (75%) |
| W 50th Pl | 3,840 ft | 5.3% | X (unshaded, minimal) (95%) |
| W 40th Pl | 3,760 ft | 24% | X (unshaded, minimal) (76%) |
| W 44th St | 3,720 ft | 43% | X (unshaded, minimal) (57%) |
| W 6th Ave | 3,500 ft | 53% | AH (53%) |
| W 10th Ct | 3,480 ft | 25% | X (unshaded, minimal) (75%) |
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 Palm Springs
Share of Palm Springs’s mapped area (about 5.41 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 8 feet. Effective date of the FIRM panel(s) covering it (12086C0118L, 12086C0277L, 12086C0281L): September 11, 2009.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 58% |
| AH | 38% |
| AE | 3.8% |
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 Palm Springs. 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 | $10,136 |
| 1980s | 11 | $551 |
| 1990s | 136 | $316,412 |
| 2000s | 108 | $518,941 |
| 2010s | 10 | $17,912 |
| 2020s | 4 | $13,489 |
By year of loss
Named flood events with the most claims
- Flooding: 72 claims
- Hurricane Irene: 67 claims
- Hurricane Andrew: 30 claims
- Hurricane Wilma: 20 claims
- Hurricane Katrina: 10 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 264
- X/B/C (moderate or minimal): 9
How much is flood insurance in Palm Springs?
The typical National Flood Insurance Program policy on single-family homes in Palm Springs costs $658 a year: the median of 229 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $562 and $752. 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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Hurricane evacuation zone
All of Palm Springs is outside Miami-Dade County’s storm surge evacuation zones (Miami-Dade County, Storm Surge Planning Zones (Hurricane Evacuation Zone feature layer)).
| Zone | What the county says it means | Share of Palm Springs |
|---|---|---|
| Not in any zone | outside the county’s storm surge evacuation zones | 100% |
Miami-Dade County draws these Storm Surge Planning Zones from NHC’s SLOSH storm surge model. The county says that when a storm threatens, each zone, or parts of a zone, is evacuated depending on the hurricane’s track and projected storm surge, independent of the hurricane’s category, and that the zones deal strictly with storm surge, not your flood zone (Miami-Dade County: Storm Surge (Storm Surge Planning Zones)). The zones and NHC’s maps above are separate products, so they do not always line up.
Zones can split a street. Confirm the exact address with the county (Miami-Dade County: Storm Surge (Storm Surge Planning Zones)) and follow official evacuation orders. Miami-Dade County provides this data “as is”; the county says the areas are approximate and not suitable for site-specific decision making.
Before you rent or buy in Palm Springs
- 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 Palm Springs
Flood maps are only one part of choosing a neighborhood. To compare Palm Springs with other Hialeah neighborhoods on more than flooding, see Hialeah on StrollPlace.
Buyer and renter FAQ
Does Palm Springs flood?
Yes. Insured properties in and around Palm Springs have filed flood claims. About 42% of Palm Springs’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 273 claims from the Census block groups that cover Palm Springs, from 1979 through 2020. 107 of them received a payment, totaling $877,440 (not adjusted for inflation). The busiest years were 1999 (68 claims), 2000 (59 claims), 1992 (42 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Palm Springs in a flood zone?
About 42% of Palm Springs’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) 58%; AH 38%; AE 3.8%. The FIRM panel(s) covering it took effect September 11, 2009.
Which streets in Palm Springs are in a high-risk flood zone?
Most of the length of W 53rd St, W 12th Ave, W 44th Pl, W 53rd Ter, W 10th Ave, N Red Rd, W 4th Ave, W 51st Pl, W 2nd Ave, W 46th St, W 45th Pl and W 3rd Ave lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of W 49th St, W 39th Pl and W 50th Pl does. Zones can change along a street, so check the exact address.
What ZIP code is Palm Springs in?
Palm Springs is in Hialeah, FL. ZIP code 33012: the ZIP code on 272 of the 273 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.
Is Palm Springs in a hurricane evacuation zone?
All of Palm Springs is outside Miami-Dade County’s storm surge evacuation zones. Check the exact address with the county and follow official orders.
How much is flood insurance in Palm Springs?
The typical NFIP flood insurance policy on single-family homes in Palm Springs cost $658 a year: the median of 229 policies that started between August 1, 2025 and July 31, 2026. Half cost between $562 and $752. 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
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 Miami-Dade County (county code 12086), 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: 120860007083, 120860093114, 120860007084, 120860093112, 120860006023, 120860007074, 120860007071, 120860007082, 120860007072, 120860006033, 120860007061, 120860007062, 120860007073. 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. Evacuation zones: the polygon intersected with Miami-Dade County’s zone polygons in an equal-area projection; shares below 0.1% are left out. 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.
- Miami-Dade County, Storm Surge Planning Zones (Hurricane Evacuation Zone feature layer) (retrieved October 31, 2026).
- Miami-Dade County: Storm Surge (Storm Surge Planning Zones).
- 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); hazard data computed October 31, 2026. Page last updated October 31, 2026.