Does Lake Lucerne flood?

Lake Lucerne, Miami Gardens, FL · ZIP code 33056: the ZIP code on 179 of the 180 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.

Yes. Insured properties in and around Lake Lucerne have filed flood claims. About 84% of Lake Lucerne’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). NFIP flood insurance records list 180 claims from the Census block groups that cover Lake Lucerne, from 1979 through 2025. 74 of them received a payment, totaling $738,064 (not adjusted for inflation). The busiest years were 1999 (36 claims), 2000 (26 claims), 2005 (21 claims).

What this page counts as Lake Lucerne

We could not find an openly licensed official boundary for Lake Lucerne, so this page uses a census-based area. For this page, Lake Lucerne 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 Lake Lucerne (feature 285257) 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 Lake Lucerne. 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 Lake Lucerne

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 Lake Lucerne

The named streets in Lake Lucerne, longest first, with how much of each street’s length inside Lake Lucerne lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Lake Lucerne; 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. 35 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 area boundary and measured in an equal-area projection. Street lengths are rounded.

Flood zones in Lake Lucerne

Share of Lake Lucerne’s mapped area (about 4.246 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 7 feet. Effective date of the FIRM panel(s) covering it (12086C0109L, 12086C0110L, 12086C0126L, 12086C0128L): 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 Lake Lucerne. 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

By year of loss

Named flood events with the most claims

• Hurricane Irene: 35 claims
• Flooding: 24 claims
• Hurricane Irma: 18 claims
• Hurricane Wilma: 16 claims
• Hurricane Andrew: 9 claims

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

• A/AE/AH/AO (high risk): 169
• Not reported: 8
• X/B/C (moderate or minimal): 3

How much is flood insurance in Lake Lucerne?

The typical National Flood Insurance Program policy on single-family homes in Lake Lucerne costs $695 a year: the median of 503 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $598 and $807. 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 Lake Lucerne

• 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 Lake Lucerne

Flood maps are only one part of choosing a neighborhood. To compare Lake Lucerne with other Miami Gardens neighborhoods on more than flooding, see Miami Gardens 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 Andover flood?
• Does Norland 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: 120860100122, 120860100012, 120860099042, 120860099041, 120860100111. 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

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 TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
4. FEMA Glossary: Flood Zones.
5. FloodSmart (NFIP): Buy a Flood Insurance Policy.
6. FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025).
7. 44 CFR 61.11, Effective date and time of coverage.
8. OpenFEMA Terms and Conditions.
9. FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3.
10. 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.