Does Naranja flood?
Naranja, Homestead, FL · ZIP code 33032: the ZIP code on 208 of the 212 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Naranja have filed flood claims. About 42% of Naranja’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 212 claims from the Census block groups that cover Naranja, from 1980 through 2017. 122 of them received a payment, totaling $1,658,556 (not adjusted for inflation). The busiest years were 2005 (115 claims), 1992 (55 claims), 1999 (14 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 Naranja
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 Naranja
The named streets in Naranja, longest first, with how much of each street’s length inside Naranja lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Naranja; 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. 56 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| US Hwy 1 | 2.5 mi | 0.0% | X (unshaded, minimal) (100%) |
| S Miami-Dade Busway | 2.3 mi | 8.4% | X (unshaded, minimal) (91%) |
| Old Dixie Hwy | 1.6 mi | 12% | X (unshaded, minimal) (88%) |
| SW 138th Ct | 1.2 mi | 34% | X (unshaded, minimal) (66%) |
| SW 139th Ave | 1.2 mi | 40% | X (unshaded, minimal) (60%) |
| SW 270th St | 1.0 mi | 51% | AH (51%) |
| SW 145th Ave | 1.0 mi | 0.0% | X (unshaded, minimal) (100%) |
| SW 268th St | 5,170 ft | 31% | X (unshaded, minimal) (68%) |
| Moody Dr | 5,170 ft | 31% | X (unshaded, minimal) (68%) |
| SW 272nd St | 5,020 ft | 12% | X (unshaded, minimal) (88%) |
| SW 264th St | 4,460 ft | 52% | AH (52%) |
| Bauer Dr | 4,460 ft | 52% | AH (52%) |
| Epmore Dr | 4,240 ft | 2.2% | X (unshaded, minimal) (98%) |
| SW 138th Ave | 3,550 ft | 80% | AH (80%) |
| SW 137th Ave | 3,350 ft | 0.0% | X (unshaded, minimal) (100%) |
| Naranja Lakes Blvd | 3,250 ft | 0.0% | X (unshaded, minimal) (100%) |
| SW 142nd Ave | 3,230 ft | 30% | X (unshaded, minimal) (70%) |
| SW 280th St | 3,210 ft | 0.0% | X (unshaded, minimal) (100%) |
| Waldin Dr | 3,210 ft | 0.0% | X (unshaded, minimal) (100%) |
| SW 260th St | 3,210 ft | 54% | AH (54%) |
| SW 276th St | 3,170 ft | 65% | AH (64%) |
| SW 140th Ave | 3,030 ft | 72% | AH (70%) |
| SW 266th St | 2,910 ft | 21% | X (unshaded, minimal) (79%) |
| SW 143rd Ct | 2,810 ft | 52% | AH (52%) |
| SW 145th Avenue Rd | 2,710 ft | 0.0% | X (unshaded, minimal) (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 29, 2026. Each street is clipped to the neighborhood boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Naranja
Share of Naranja’s mapped area (about 4.36 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 9 feet. Effective date of the FIRM panel(s) covering it (12086C0590L, 12086C0591L, 12086C0593L): September 11, 2009.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 58% |
| AH | 31% |
| AE | 11% |
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 Naranja. About 100% of the combined area of those block groups lies inside Naranja. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1980s | 7 | $2,101 |
| 1990s | 70 | $75,106 |
| 2000s | 128 | $1,528,613 |
| 2010s | 7 | $52,736 |
By year of loss
Named flood events with the most claims
- Hurricane Katrina: 105 claims
- Hurricane Andrew: 55 claims
- Hurricane Irene: 14 claims
- Flooding: 9 claims
- Hurricane Irma: 6 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 192
- X/B/C (moderate or minimal): 12
- Not reported: 6
- Other (D): 2
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Before you rent or buy in Naranja
- 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 Naranja
Flood maps are only one part of choosing a neighborhood. To compare Naranja with other Homestead neighborhoods on more than flooding, see Homestead on StrollPlace.
Buyer and renter FAQ
Does Naranja flood?
Yes. Insured properties in and around Naranja have filed flood claims. About 42% of Naranja’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 212 claims from the Census block groups that cover Naranja, from 1980 through 2017. 122 of them received a payment, totaling $1,658,556 (not adjusted for inflation). The busiest years were 2005 (115 claims), 1992 (55 claims), 1999 (14 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Naranja in a flood zone?
About 42% of Naranja’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 31%; AE 11%. The FIRM panel(s) covering it took effect September 11, 2009.
Which streets in Naranja are in a high-risk flood zone?
Most of the length of SW 270th St, SW 264th St, Bauer Dr, SW 138th Ave, SW 260th St, SW 276th St, SW 140th Ave and SW 143rd Ct lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of US Hwy 1, S Miami-Dade Busway, SW 145th Ave, Epmore Dr, SW 137th Ave, Naranja Lakes Blvd, SW 280th St and Waldin Dr does. Zones can change along a street, so check the exact address.
What ZIP code is Naranja in?
Naranja is in Homestead, FL. ZIP code 33032: the ZIP code on 208 of the 212 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
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: 120860108021 (100.0% of the block group is inside Naranja), 120860108022 (100.0% of the block group is inside Naranja), 120860108023 (100.0% of the block group is inside Naranja). 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.
- 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.