Does Three Lakes flood?
Three Lakes, Kendall, FL · ZIP code 33186: the ZIP code on 215 of the 219 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Three Lakes have filed flood claims. About 31% of Three Lakes’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 219 claims from the Census block groups that cover Three Lakes, from 1992 through 2021. 110 of them received a payment, totaling $1,549,277 (not adjusted for inflation). The busiest years were 2005 (117 claims), 1999 (43 claims), 1992 (22 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 Three Lakes
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 Three Lakes
The named streets in Three Lakes, longest first, with how much of each street’s length inside Three Lakes lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Three Lakes; 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. 99 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| SW 127th Ave | 2.0 mi | 37% | X (unshaded, minimal) (62%) |
| SW 128th St | 1.8 mi | 34% | X (unshaded, minimal) (66%) |
| SW 122nd Ave | 1.8 mi | 28% | X (unshaded, minimal) (72%) |
| SW 122nd Ct | 1.7 mi | 19% | X (unshaded, minimal) (81%) |
| Homestead Extension of Florida's Tpke | 1.6 mi | 0.6% | X (unshaded, minimal) (99%) |
| SW 136th St | 1.3 mi | 18% | X (unshaded, minimal) (82%) |
| SW 132nd Ave | 1.2 mi | 0.0% | X (unshaded, minimal) (100%) |
| SW 144th Ter | 1.2 mi | 0.0% | X (unshaded, minimal) (100%) |
| SW 124th St | 1.1 mi | 13% | X (unshaded, minimal) (87%) |
| Coral Reef Dr | 1.1 mi | 0.0% | X (unshaded, minimal) (100%) |
| SW 136th Ter | 5,150 ft | 0.0% | X (unshaded, minimal) (100%) |
| SW 120th St | 4,950 ft | 50% | X (unshaded, minimal) (50%) |
| State Hwy 874 | 4,900 ft | 0.0% | X (unshaded, minimal) (100%) |
| SW 148th St | 4,600 ft | 0.0% | X (unshaded, minimal) (100%) |
| SW 142nd Ter | 4,420 ft | 0.0% | X (unshaded, minimal) (100%) |
| SW 136th Pl | 4,180 ft | 0.0% | X (unshaded, minimal) (100%) |
| SW 137th Ave | 4,060 ft | 11% | X (unshaded, minimal) (89%) |
| Lingren Ave Rd | 4,060 ft | 11% | X (unshaded, minimal) (89%) |
| SW 151st Ter | 3,960 ft | 0.0% | X (unshaded, minimal) (77%) |
| SW 144th St | 3,890 ft | 0.0% | X (unshaded, minimal) (100%) |
| SW 143rd Ter | 3,550 ft | 0.0% | X (unshaded, minimal) (100%) |
| SW 130th St | 3,490 ft | 29% | X (unshaded, minimal) (71%) |
| SW 132nd Ct | 3,470 ft | 0.0% | X (unshaded, minimal) (100%) |
| SW 131st St | 3,320 ft | 2.8% | X (unshaded, minimal) (97%) |
| SW 119th Ave | 3,300 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 30, 2026. Each street is clipped to the neighborhood boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Three Lakes
Share of Three Lakes’s mapped area (about 10.09 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, 12086C0443L, 12086C0444L): September 11, 2009.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 68% |
| AE | 17% |
| AH | 14% |
| X (shaded, 0.2% annual chance) | 0.6% |
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 Three Lakes. About 100% of the combined area of those block groups lies inside Three Lakes. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1990s | 71 | $398,388 |
| 2000s | 134 | $999,500 |
| 2010s | 12 | $151,388 |
| 2020s | 2 | $0 |
By year of loss
Named flood events with the most claims
- Hurricane Katrina: 89 claims
- Hurricane Irene: 41 claims
- Hurricane Andrew: 22 claims
- Hurricane Wilma: 14 claims
- Flooding: 7 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 197
- X/B/C (moderate or minimal): 22
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Hurricane evacuation zone
All of Three Lakes 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 Three Lakes |
|---|---|---|
| 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 Three Lakes
- 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 Three Lakes
Flood maps are only one part of choosing a neighborhood. To compare Three Lakes with other Kendall neighborhoods on more than flooding, see Kendall on StrollPlace.
Buyer and renter FAQ
Does Three Lakes flood?
Yes. Insured properties in and around Three Lakes have filed flood claims. About 31% of Three Lakes’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 219 claims from the Census block groups that cover Three Lakes, from 1992 through 2021. 110 of them received a payment, totaling $1,549,277 (not adjusted for inflation). The busiest years were 2005 (117 claims), 1999 (43 claims), 1992 (22 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Three Lakes in a flood zone?
About 31% of Three Lakes’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) 68%; AE 17%; AH 14%; X (shaded, 0.2% annual chance) 0.6%. The FIRM panel(s) covering it took effect September 11, 2009.
Which streets in Three Lakes are in a high-risk flood zone?
Most of the length of SW 120th St lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of Homestead Extension of Florida's Tpke, SW 132nd Ave, SW 144th Ter, Coral Reef Dr, SW 136th Ter, State Hwy 874, SW 148th St and SW 142nd Ter does. Zones can change along a street, so check the exact address.
What ZIP code is Three Lakes in?
Three Lakes is in Kendall, FL. ZIP code 33186: the ZIP code on 215 of the 219 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 Three Lakes in a hurricane evacuation zone?
All of Three Lakes is in Zone D of Miami-Dade County’s storm surge evacuation zones. Check the exact address with the county and follow official orders.
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 Country Walk flood?
- Does Kendall flood?
- Does Palmetto Estates flood?
- Does Richmond Heights flood?
- Does Richmond West 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 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: 120860194002 (100.0% of the block group is inside Three Lakes), 120860194001 (100.0% of the block group is inside Three Lakes), 120860193002 (100.0% of the block group is inside Three Lakes), 120860193001 (100.0% of the block group is inside Three Lakes), 120860193003 (100.0% of the block group is inside Three Lakes), 120860193004 (100.0% of the block group is inside Three Lakes). 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).
- 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.