Does Leisure City flood?
Leisure City, Homestead, FL · ZIP code 33033: the ZIP code on 684 of the 742 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Leisure City have filed flood claims. About 26% of Leisure City’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 742 claims from the Census block groups that cover Leisure City, from 1979 through 2024. 300 of them received a payment, totaling $3,203,208 (not adjusted for inflation). The busiest years were 1992 (248 claims), 2005 (247 claims), 1999 (95 claims).
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 Leisure City
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 Leisure City
The named streets in Leisure City, longest first, with how much of each street’s length inside Leisure City lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Leisure City; 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. 125 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Homestead Extension of Florida's Tpke | 2.2 mi | 0.6% | X (unshaded, minimal) (99%) |
| Avocado Dr | 2.1 mi | 22% | X (unshaded, minimal) (78%) |
| SW 296th St | 2.1 mi | 22% | X (unshaded, minimal) (78%) |
| Biscayne Dr | 1.8 mi | 14% | X (unshaded, minimal) (85%) |
| SW 288th St | 1.8 mi | 14% | X (unshaded, minimal) (85%) |
| Kings Hwy | 1.8 mi | 47% | X (unshaded, minimal) (53%) |
| SW 152nd Ave | 1.7 mi | 3.2% | X (unshaded, minimal) (97%) |
| Kingman Rd | 1.7 mi | 3.2% | X (unshaded, minimal) (97%) |
| SW 147th Ave | 1.6 mi | 20% | X (unshaded, minimal) (80%) |
| SW 297th St | 1.5 mi | 32% | X (unshaded, minimal) (68%) |
| SW 284th St | 1.4 mi | 21% | X (unshaded, minimal) (79%) |
| SW 157th Ave | 1.3 mi | 18% | X (unshaded, minimal) (82%) |
| SW 298th Ter | 1.3 mi | 28% | X (unshaded, minimal) (72%) |
| SW 297th Ter | 1.3 mi | 43% | X (unshaded, minimal) (57%) |
| Newton Rd | 1.0 mi | 22% | X (unshaded, minimal) (78%) |
| SW 144th Ave | 5,260 ft | 32% | X (unshaded, minimal) (68%) |
| Harding Ln | 5,220 ft | 20% | X (unshaded, minimal) (80%) |
| Florida Tpke Exd | 5,060 ft | 1.2% | X (unshaded, minimal) (99%) |
| SW 143rd Ct | 5,030 ft | 89% | AH (89%) |
| SW 302nd St | 4,990 ft | 0.0% | X (unshaded, minimal) (100%) |
| SW 304th Ter | 4,500 ft | 52% | AH (52%) |
| SW 153rd Ave | 4,400 ft | 36% | X (unshaded, minimal) (64%) |
| Garfield Dr | 4,310 ft | 0.0% | X (unshaded, minimal) (100%) |
| SW 149th Ave | 4,150 ft | 27% | X (unshaded, minimal) (73%) |
| SW 158th Ave | 4,100 ft | 53% | AH (53%) |
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 neighborhood boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Leisure City
Share of Leisure City’s mapped area (about 8.622 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 5 to 8 feet. Effective date of the FIRM panel(s) covering it (12086C0590L, 12086C0593L, 12086C0727L, 12086C0731L): September 11, 2009.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 74% |
| AH | 24% |
| AE | 2.0% |
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 Leisure City. About 84% of the combined area of those block groups lies inside Leisure City. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1970s | 12 | $501 |
| 1980s | 34 | $15,150 |
| 1990s | 365 | $579,288 |
| 2000s | 288 | $2,364,437 |
| 2010s | 36 | $241,282 |
| 2020s | 7 | $2,549 |
By year of loss
Named flood events with the most claims
- Hurricane Andrew: 246 claims
- Hurricane Katrina: 188 claims
- Hurricane Irene: 88 claims
- Flooding: 57 claims
- Hurricane Wilma: 33 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 678
- X/B/C (moderate or minimal): 56
- Other (D): 5
- Not reported: 3
How much is flood insurance in Leisure City?
The typical National Flood Insurance Program policy on single-family homes in Leisure City costs $906 a year: the median of 370 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $748 and $1,292. 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.
Insurance agency or real estate agent? Sponsor this page.
Before you rent or buy in Leisure City
- 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 Leisure City
Flood maps are only one part of choosing a neighborhood. To compare Leisure City with other Homestead neighborhoods on more than flooding, see Homestead on StrollPlace.
Buyer and renter FAQ
Does Leisure City flood?
Yes. Insured properties in and around Leisure City have filed flood claims. About 26% of Leisure City’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 742 claims from the Census block groups that cover Leisure City, from 1979 through 2024. 300 of them received a payment, totaling $3,203,208 (not adjusted for inflation). The busiest years were 1992 (248 claims), 2005 (247 claims), 1999 (95 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Leisure City in a flood zone?
About 26% of Leisure City’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) 74%; AH 24%; AE 2.0%. The FIRM panel(s) covering it took effect September 11, 2009.
Which streets in Leisure City are in a high-risk flood zone?
Most of the length of SW 143rd Ct, SW 304th Ter and SW 158th Ave lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of Homestead Extension of Florida's Tpke, SW 152nd Ave, Kingman Rd, Florida Tpke Exd, SW 302nd St and Garfield Dr does. Zones can change along a street, so check the exact address.
What ZIP code is Leisure City in?
Leisure City is in Homestead, FL. ZIP code 33033: the ZIP code on 684 of the 742 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 Leisure City?
The typical NFIP flood insurance policy on single-family homes in Leisure City cost $906 a year: the median of 370 policies that started between August 1, 2025 and July 31, 2026. Half cost between $748 and $1,292. 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
Neighborhood boundary: U.S. Census Bureau, Census Designated Places (TIGERweb): the unincorporated communities around Homestead. Flood zone shares: the neighborhood 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. A 2010 Census block group is counted for a neighborhood when at least 25% of the block group lies inside the neighborhood, or at least 25% of the neighborhood lies inside the block group. Block groups used: 120860110052 (89.7% of the block group is inside Leisure City), 120860110053 (100.0% of the block group is inside Leisure City), 120860110031 (100.0% of the block group is inside Leisure City), 120860110051 (100.0% of the block group is inside Leisure City), 120860108011 (51.9% of the block group is inside Leisure City), 120860109003 (100.0% of the block group is inside Leisure City), 120860109001 (100.0% of the block group is inside Leisure City), 120860108012 (100.0% of the block group is inside Leisure City), 120860109002 (100.0% of the block group is inside Leisure City), 120860110012 (78.7% of the block group is inside Leisure City), 120860110032 (100.0% of the block group is inside Leisure City), 120860110033 (57.4% of the block group is inside Leisure City). 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, Census Designated Places (TIGERweb): the unincorporated communities around Homestead.
- U.S. Census Bureau TIGERweb, 2010 Census Block Groups.
- 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.