Does Sunset flood?
Sunset, Kendall, FL · ZIP code 33173: the ZIP code on 791 of the 802 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Sunset have filed flood claims. About 32% of Sunset’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 802 claims from the Census block groups that cover Sunset, from 1979 through 2023. 497 of them received a payment, totaling $4,323,697 (not adjusted for inflation). The busiest years were 1999 (243 claims), 2000 (230 claims), 1992 (82 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 Sunset
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 Sunset
The named streets in Sunset, longest first, with how much of each street’s length inside Sunset lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Sunset; 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. 92 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| SW 64th St | 2.9 mi | 30% | X (unshaded, minimal) (70%) |
| Don Shula Expy | 2.6 mi | 0.0% | X (unshaded, minimal) (100%) |
| SW 72nd St | 1.9 mi | 36% | X (unshaded, minimal) (64%) |
| SW 68th St | 1.8 mi | 26% | X (unshaded, minimal) (74%) |
| SW 60th St | 1.7 mi | 29% | X (unshaded, minimal) (71%) |
| SW 66th St | 1.6 mi | 40% | X (unshaded, minimal) (60%) |
| SW 97th Ave | 1.5 mi | 16% | X (unshaded, minimal) (84%) |
| SW 62nd St | 1.5 mi | 8.4% | X (unshaded, minimal) (92%) |
| SW 56th St | 1.5 mi | 48% | X (unshaded, minimal) (48%) |
| N Snapper Creek Dr | 1.4 mi | 79% | AH (78%) |
| Miller Rd | 1.4 mi | 52% | AH (51%) |
| SW 92nd Ave | 1.4 mi | 13% | X (unshaded, minimal) (87%) |
| SW 70th St | 1.3 mi | 29% | X (unshaded, minimal) (67%) |
| SW 99th Ave | 1.2 mi | 31% | X (unshaded, minimal) (69%) |
| SW 58th St | 1.1 mi | 41% | X (unshaded, minimal) (59%) |
| SW 76th St | 1.1 mi | 56% | AH (56%) |
| SW 87th Ave | 1.1 mi | 18% | X (unshaded, minimal) (73%) |
| SW 102nd Ave | 1.1 mi | 11% | X (unshaded, minimal) (89%) |
| SW 57th Ter | 1.1 mi | 42% | X (unshaded, minimal) (58%) |
| SW 93rd Ave | 1.1 mi | 11% | X (unshaded, minimal) (89%) |
| SW 94th Ct | 4,980 ft | 22% | X (unshaded, minimal) (78%) |
| SW 107th Ave | 4,880 ft | 67% | AH (67%) |
| State Hwy 878 | 4,800 ft | 0.0% | X (unshaded, minimal) (100%) |
| SW 74th St | 4,590 ft | 82% | AH (82%) |
| SW 94th Ave | 4,460 ft | 6.0% | X (unshaded, minimal) (94%) |
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 Sunset
Share of Sunset’s mapped area (about 9.216 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 8 to 10 feet. Effective date of the FIRM panel(s) covering it (12086C0434L, 12086C0453L, 12086C0454L): September 11, 2009.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 67% |
| AH | 30% |
| AE | 1.9% |
| X (shaded, 0.2% annual chance) | 0.4% |
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 Sunset. About 93% of the combined area of those block groups lies inside Sunset. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1970s | 7 | $4,602 |
| 1980s | 33 | $29,146 |
| 1990s | 419 | $1,686,474 |
| 2000s | 323 | $2,550,253 |
| 2010s | 15 | $42,210 |
| 2020s | 5 | $11,013 |
By year of loss
Named flood events with the most claims
- Flooding: 252 claims
- Hurricane Irene: 232 claims
- Hurricane Andrew: 80 claims
- Hurricane Katrina: 53 claims
- Hurricane Wilma: 18 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 779
- X/B/C (moderate or minimal): 21
- Not reported: 2
How much is flood insurance in Sunset?
The typical National Flood Insurance Program policy on single-family homes in Sunset costs $1,080 a year: the median of 140 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $963 and $1,143. 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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Before you rent or buy in Sunset
- 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 Sunset
Flood maps are only one part of choosing a neighborhood. To compare Sunset with other Kendall neighborhoods on more than flooding, see Kendall on StrollPlace.
Buyer and renter FAQ
Does Sunset flood?
Yes. Insured properties in and around Sunset have filed flood claims. About 32% of Sunset’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 802 claims from the Census block groups that cover Sunset, from 1979 through 2023. 497 of them received a payment, totaling $4,323,697 (not adjusted for inflation). The busiest years were 1999 (243 claims), 2000 (230 claims), 1992 (82 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Sunset in a flood zone?
About 32% of Sunset’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) 67%; AH 30%; AE 1.9%; X (shaded, 0.2% annual chance) 0.4%. The FIRM panel(s) covering it took effect September 11, 2009.
Which streets in Sunset are in a high-risk flood zone?
Most of the length of N Snapper Creek Dr, Miller Rd, SW 76th St, SW 107th Ave and SW 74th St lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of Don Shula Expy, SW 62nd St, State Hwy 878 and SW 94th Ave does. Zones can change along a street, so check the exact address.
What ZIP code is Sunset in?
Sunset is in Kendall, FL. ZIP code 33173: the ZIP code on 791 of the 802 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 Sunset?
The typical NFIP flood insurance policy on single-family homes in Sunset cost $1,080 a year: the median of 140 policies that started between August 1, 2025 and July 31, 2026. Half cost between $963 and $1,143. 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 Glenvar Heights flood?
- Does Kendall flood?
- Does Olympia Heights flood?
- Does Westwood Lakes flood?
- Does Kendale Lakes flood?
- Does The Crossings flood?
How these numbers were made
Neighborhood boundary: U.S. Census Bureau, Census Designated Places (TIGERweb): the unincorporated communities around Kendall. 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: 120860086023 (100.0% of the block group is inside Sunset), 120860084074 (92.1% of the block group is inside Sunset), 120860085022 (100.0% of the block group is inside Sunset), 120860084073 (61.1% of the block group is inside Sunset), 120860085021 (100.0% of the block group is inside Sunset), 120860084071 (100.0% of the block group is inside Sunset), 120860086011 (100.0% of the block group is inside Sunset), 120860086022 (100.0% of the block group is inside Sunset), 120860086021 (100.0% of the block group is inside Sunset). 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 Kendall.
- 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.