Does The Crossings flood?
The Crossings, Kendall, FL · ZIP code 33186: the ZIP code on 1,137 of the 1,157 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around The Crossings have filed flood claims. About 67% of The Crossings’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). NFIP flood insurance records list 1,157 claims from the Census block groups that cover The Crossings, from 1979 through 2025. 609 of them received a payment, totaling $5,824,728 (not adjusted for inflation). The busiest years were 1999 (409 claims), 2000 (204 claims), 2005 (168 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 The Crossings
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 The Crossings
The named streets in The Crossings, longest first, with how much of each street’s length inside The Crossings lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside The Crossings; 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. 114 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| SW 122nd Ave | 2.1 mi | 85% | AH (85%) |
| SW 127th Ave | 2.0 mi | 68% | AH (68%) |
| SW 108th Street Cir | 1.8 mi | 92% | AH (92%) |
| SW 104th St | 1.7 mi | 3.2% | X (unshaded, minimal) (97%) |
| SW 112th St | 1.5 mi | 90% | AH (90%) |
| SW 123rd Ave | 1.4 mi | 82% | AH (82%) |
| Homestead Extension of Florida's Tpke | 1.3 mi | 8.2% | X (unshaded, minimal) (92%) |
| SW 134th Ave | 1.2 mi | 54% | AH (54%) |
| SW 96th St | 1.1 mi | 76% | AH (76%) |
| SW 88th St | 1.1 mi | 0.0% | X (unshaded, minimal) (100%) |
| SW 108th St | 1.0 mi | 100% | AH (100%) |
| SW 123rd Ct | 1.0 mi | 96% | AH (96%) |
| SW 137th Ave | 1.0 mi | 18% | X (unshaded, minimal) (82%) |
| SW Killian Dr | 1.0 mi | 86% | AH (86%) |
| SW 104th Ter | 1.0 mi | 93% | AH (93%) |
| Lingren Ave Rd | 1.0 mi | 19% | X (unshaded, minimal) (81%) |
| SW 125th Ave | 1.0 mi | 64% | AH (64%) |
| SW 134th Ct | 1.0 mi | 47% | X (unshaded, minimal) (53%) |
| E Calusa Club Dr | 5,270 ft | 49% | X (unshaded, minimal) (51%) |
| SW 119th St | 5,270 ft | 29% | X (unshaded, minimal) (64%) |
| SW 120th St | 5,240 ft | 42% | X (unshaded, minimal) (49%) |
| SW 120th Ave | 5,210 ft | 84% | AH (84%) |
| SW 132nd Ave | 5,100 ft | 37% | X (unshaded, minimal) (50%) |
| SW 132nd Ct | 4,980 ft | 42% | X (unshaded, minimal) (55%) |
| SW 130th Ave | 4,780 ft | 77% | AH (77%) |
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 30, 2026. Each street is clipped to the neighborhood boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in The Crossings
Share of The Crossings’s mapped area (about 9.233 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 9 feet. Effective date of the FIRM panel(s) covering it (12086C0441L, 12086C0442L, 12086C0444L): September 11, 2009.
| FEMA zone | Share of area |
|---|---|
| AH | 64% |
| X (unshaded, minimal) | 32% |
| AE | 3.3% |
| X (shaded, 0.2% annual chance) | 0.5% |
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 The Crossings. About 100% of the combined area of those block groups lies inside The Crossings. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1970s | 14 | $359 |
| 1980s | 71 | $23,361 |
| 1990s | 626 | $2,272,222 |
| 2000s | 398 | $2,858,573 |
| 2010s | 40 | $613,298 |
| 2020s | 8 | $56,916 |
By year of loss
Named flood events with the most claims
- Hurricane Irene: 395 claims
- Flooding: 268 claims
- Hurricane Andrew: 133 claims
- Hurricane Katrina: 123 claims
- Hurricane Wilma: 29 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 1,131
- X/B/C (moderate or minimal): 24
- Other (D): 1
- Not reported: 1
How much is flood insurance in The Crossings?
The typical National Flood Insurance Program policy on single-family homes in The Crossings costs $938 a year: the median of 2,240 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $785 and $1,050. 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 30, 2026.
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Hurricane evacuation zone
All of The Crossings is in Zone D of 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 The Crossings |
|---|---|---|
| Zone D | at risk of storm surge in a Category 4 and higher hurricane | 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 The Crossings
- 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 The Crossings
Flood maps are only one part of choosing a neighborhood. To compare The Crossings with other Kendall neighborhoods on more than flooding, see Kendall on StrollPlace.
Buyer and renter FAQ
Does The Crossings flood?
Yes. Insured properties in and around The Crossings have filed flood claims. About 67% of The Crossings’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). NFIP flood insurance records list 1,157 claims from the Census block groups that cover The Crossings, from 1979 through 2025. 609 of them received a payment, totaling $5,824,728 (not adjusted for inflation). The busiest years were 1999 (409 claims), 2000 (204 claims), 2005 (168 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is The Crossings in a flood zone?
About 67% of The Crossings’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). Shares by zone: AH 64%; X (unshaded, minimal) 32%; AE 3.3%; X (shaded, 0.2% annual chance) 0.5%. The FIRM panel(s) covering it took effect September 11, 2009.
Which streets in The Crossings are in a high-risk flood zone?
Most of the length of SW 122nd Ave, SW 127th Ave, SW 108th Street Cir, SW 112th St, SW 123rd Ave, SW 134th Ave, SW 96th St, SW 108th St, SW 123rd Ct, SW Killian Dr, SW 104th Ter and SW 125th Ave lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of SW 104th St, Homestead Extension of Florida's Tpke and SW 88th St does. Zones can change along a street, so check the exact address.
What ZIP code is The Crossings in?
The Crossings is in Kendall, FL. ZIP code 33186: the ZIP code on 1,137 of the 1,157 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 The Crossings in a hurricane evacuation zone?
All of The Crossings is in Zone D of 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 The Crossings?
The typical NFIP flood insurance policy on single-family homes in The Crossings cost $938 a year: the median of 2,240 policies that started between August 1, 2025 and July 31, 2026. Half cost between $785 and $1,050. 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 Kendale Lakes flood?
- Does Kendall flood?
- Does The Hammocks flood?
- Does Three Lakes flood?
- Does Richmond Heights flood?
- Does Kendall West 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 30, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Miami-Dade County (county code 12086), dataset as of September 8, 2026, retrieved October 30, 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: 120860190005 (100.0% of the block group is inside The Crossings), 120860190003 (100.0% of the block group is inside The Crossings), 120860189004 (100.0% of the block group is inside The Crossings), 120860189002 (100.0% of the block group is inside The Crossings), 120860189001 (100.0% of the block group is inside The Crossings), 120860192002 (100.0% of the block group is inside The Crossings), 120860191004 (100.0% of the block group is inside The Crossings), 120860191005 (100.0% of the block group is inside The Crossings), 120860191001 (100.0% of the block group is inside The Crossings), 120860190004 (100.0% of the block group is inside The Crossings), 120860192001 (100.0% of the block group is inside The Crossings), 120860192003 (100.0% of the block group is inside The Crossings), 120860189003 (100.0% of the block group is inside The Crossings), 120860191002 (100.0% of the block group is inside The Crossings), 120860190001 (100.0% of the block group is inside The Crossings), 120860190002 (100.0% of the block group is inside The Crossings), 120860191003 (100.0% of the block group is inside The Crossings). 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 30, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 30, 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.
- Miami-Dade County, Storm Surge Planning Zones (Hurricane Evacuation Zone feature layer) (retrieved October 30, 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 30, 2026 (flood zones); hazard data computed October 30, 2026. Page last updated October 30, 2026.