Does Princeton flood?

Princeton, Homestead, FL · ZIP codes 33032 and 33170: the ZIP codes on most of the flood insurance claims counted here. ZIP codes do not follow neighborhood lines.

Yes. Insured properties in and around Princeton have filed flood claims. About 39% of Princeton’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 450 claims from the Census block groups that cover Princeton, from 1979 through 2022. 245 of them received a payment, totaling $3,208,282 (not adjusted for inflation). The busiest years were 2005 (228 claims), 1992 (105 claims), 2017 (28 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 Princeton

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 Princeton

The named streets in Princeton, longest first, with how much of each street’s length inside Princeton lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Princeton; 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. 237 shorter streets are not listed.

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 Princeton

Share of Princeton’s mapped area (about 19.34 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 10 feet. Effective date of the FIRM panel(s) covering it (12086C0591L, 12086C0592L, 12086C0593L, 12086C0594L, 12086C0611L): September 11, 2009.

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 Princeton. About 73% of the combined area of those block groups lies inside Princeton, so the claim figures also reflect some nearby blocks. Only insured properties appear, so these counts understate total flooding.

By decade

By year of loss

Named flood events with the most claims

• Hurricane Katrina: 196 claims
• Hurricane Andrew: 99 claims
• Hurricane Irma: 27 claims
• Hurricane Irene: 27 claims
• Flooding: 24 claims

FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:

• A/AE/AH/AO (high risk): 375
• X/B/C (moderate or minimal): 67
• Other (D): 6
• Not reported: 2

Insurance agency or real estate agent? Sponsor this page.

Before you rent or buy in Princeton

• 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 Princeton

Flood maps are only one part of choosing a neighborhood. To compare Princeton with other Homestead neighborhoods on more than flooding, see Homestead on StrollPlace.

Buyer and renter FAQ

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 Naranja flood?
• Does Leisure City flood?

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: 120860104002 (50.3% of the block group is inside Princeton), 120860106143 (100.0% of the block group is inside Princeton), 120860106141 (68.4% of the block group is inside Princeton), 120860106142 (100.0% of the block group is inside Princeton), 120860107033 (100.0% of the block group is inside Princeton), 120860105002 (100.0% of the block group is inside Princeton), 120860105003 (100.0% of the block group is inside Princeton), 120860105005 (39.1% of the block group is inside Princeton), 120860107031 (100.0% of the block group is inside Princeton), 120860107034 (100.0% of the block group is inside Princeton), 120860107032 (100.0% of the block group is inside Princeton), 120860105006 (100.0% of the block group is inside Princeton). 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

1. Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on October 29, 2026.
2. FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 29, 2026.
3. U.S. Census Bureau, Census Designated Places (TIGERweb): the unincorporated communities around Homestead.
4. U.S. Census Bureau TIGERweb, 2010 Census Block Groups.
5. FEMA Glossary: Flood Zones.
6. FloodSmart (NFIP): Buy a Flood Insurance Policy.
7. FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025).
8. 44 CFR 61.11, Effective date and time of coverage.
9. OpenFEMA Terms and Conditions.
10. Miami-Dade County, Storm Surge Planning Zones (Hurricane Evacuation Zone feature layer) (retrieved October 31, 2026).
11. Miami-Dade County: Storm Surge (Storm Surge Planning Zones).
12. 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.