Does Andover flood?
Andover, Miami Gardens, FL · ZIP codes 33169 and 33179: 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 Andover have filed flood claims. About 91% of Andover’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). NFIP flood insurance records list 131 claims from the Census block groups that cover Andover, from 1979 through 2022. 41 of them received a payment, totaling $247,239 (not adjusted for inflation). The busiest years were 2005 (23 claims), 1999 (18 claims), 2017 (16 claims).
What this page counts as Andover
We could not find an openly licensed official boundary for Andover, so this page uses a census-based area. For this page, Andover means the 2010 Census block groups whose center lies within 1.6 km (1.0 miles) of the U.S. Geological Survey (GNIS) map point for Andover (feature 1867109) and inside the Miami Gardens city limits (U.S. Census Bureau), each block group going to the nearest of the places we cover. Every number below is for exactly those block groups (listed in “How these numbers were made”), so the edges are approximate and may include or leave out a few blocks people would call Andover. Sources: U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
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 Andover
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 Andover
The named streets in Andover, longest first, with how much of each street’s length inside Andover lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Andover; 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. 41 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| NW 207th St | 1.7 mi | 100% | AE (100%) |
| NW 204th St | 1.4 mi | 93% | AE (93%) |
| NW 203rd St | 1.1 mi | 100% | AE (100%) |
| NW 2nd Ave | 4,930 ft | 100% | AE (100%) |
| NW 214th St | 4,830 ft | 100% | AE (100%) |
| NW 206th Ter | 4,740 ft | 100% | AE (100%) |
| NW 9th Ct | 3,880 ft | 100% | AE (100%) |
| Florida's Tpke | 3,800 ft | 100% | AE (100%) |
| NW 210th St | 3,730 ft | 100% | AE (100%) |
| NW 14th Pl | 3,450 ft | 100% | AE (100%) |
| NW 7th Ave | 3,390 ft | 100% | AE (100%) |
| NW 208th St | 3,220 ft | 100% | AE (100%) |
| N Miami Ave | 3,170 ft | 41% | AE (41%) |
| NW 202nd Ter | 3,020 ft | 92% | AE (92%) |
| NW Miami Ct | 2,770 ft | 99% | AE (99%) |
| NW 4th Ave | 2,650 ft | 100% | AE (100%) |
| NE 2nd Ave | 2,550 ft | 18% | X (unshaded, minimal) (76%) |
| NW 203rd Ter | 2,490 ft | 86% | AE (86%) |
| NW 205th Ter | 1,380 ft | 100% | AE (100%) |
| NW 204th Ter | 1,340 ft | 100% | AE (100%) |
| NE 214th St | 1,310 ft | 8.0% | X (unshaded, minimal) (81%) |
| NW 13th Ct | 1,300 ft | 99% | AE (99%) |
| NW 206th St | 1,290 ft | 100% | AE (100%) |
| NW 12th Ave | 1,280 ft | 100% | AE (100%) |
| NE 213th St | 1,240 ft | 2.5% | X (unshaded, minimal) (82%) |
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 area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Andover
Share of Andover’s mapped area (about 4.267 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 6 feet. Effective date of the FIRM panel(s) covering it (12086C0126L, 12086C0127L, 12086C0128L, 12086C0129L): September 11, 2009.
| FEMA zone | Share of area |
|---|---|
| AE | 91% |
| X (unshaded, minimal) | 6.8% |
| X (shaded, 0.2% annual chance) | 2.1% |
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 Andover. This area is made of whole block groups, so every claim counted here comes from inside it. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1970s | 3 | $590 |
| 1980s | 6 | $1,978 |
| 1990s | 29 | $43,465 |
| 2000s | 59 | $127,373 |
| 2010s | 29 | $73,259 |
| 2020s | 5 | $574 |
By year of loss
Named flood events with the most claims
- Hurricane Wilma: 19 claims
- Flooding: 18 claims
- Hurricane Irma: 12 claims
- Hurricane Irene: 12 claims
- Hurricane Andrew: 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): 129
- X/B/C (moderate or minimal): 1
- Other (D): 1
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Hurricane evacuation zone
About 52% of Andover 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 Andover |
|---|---|---|
| Zone D | at risk of storm surge in a Category 4 and higher hurricane | 52% |
| Not in any zone | outside the county’s storm surge evacuation zones | 48% |
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 Andover
- 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 Andover
Flood maps are only one part of choosing a neighborhood. To compare Andover with other Miami Gardens neighborhoods on more than flooding, see Miami Gardens on StrollPlace.
Buyer and renter FAQ
Does Andover flood?
Yes. Insured properties in and around Andover have filed flood claims. About 91% of Andover’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). NFIP flood insurance records list 131 claims from the Census block groups that cover Andover, from 1979 through 2022. 41 of them received a payment, totaling $247,239 (not adjusted for inflation). The busiest years were 2005 (23 claims), 1999 (18 claims), 2017 (16 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Andover in a flood zone?
About 91% of Andover’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). Shares by zone: AE 91%; X (unshaded, minimal) 6.8%; X (shaded, 0.2% annual chance) 2.1%. The FIRM panel(s) covering it took effect September 11, 2009.
Which streets in Andover are in a high-risk flood zone?
Most of the length of NW 207th St, NW 204th St, NW 203rd St, NW 2nd Ave, NW 214th St, NW 206th Ter, NW 9th Ct, Florida's Tpke, NW 210th St, NW 14th Pl, NW 7th Ave and NW 208th St lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of NE 214th St and NE 213th St does. Zones can change along a street, so check the exact address.
What ZIP code is Andover in?
Andover is in Miami Gardens, FL. ZIP codes 33169 and 33179: the ZIP codes on most of the 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 Andover in a hurricane evacuation zone?
About 52% of Andover 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 Norland flood?
- Does Lake Lucerne flood?
- Does Scott Lake flood?
- Does Carol City flood?
- Does Bunche Park flood?
How these numbers were made
Area: the census-based definition above, using U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names. Flood zone shares: the area 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. Claims are counted for exactly the block groups that make up the area. Block groups used: 120860098072, 120860099011, 120860098081, 120860099014, 120860099013, 120860098084, 120860099012. 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 29, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 29, 2026.
- U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
- 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 31, 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 29, 2026 (flood zones); hazard data computed October 31, 2026. Page last updated October 31, 2026.