Does Scott Lake flood?
Scott Lake, Miami Gardens, FL · ZIP codes 33056 and 33169: 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 Scott Lake have filed flood claims. About 21% of Scott Lake’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 117 claims from the Census block groups that cover Scott Lake, from 1979 through 2023. 42 of them received a payment, totaling $175,042 (not adjusted for inflation). The busiest years were 2000 (23 claims), 1999 (17 claims), 1992 (16 claims).
What this page counts as Scott Lake
We could not find an openly licensed official boundary for Scott Lake, so this page uses a census-based area. For this page, Scott Lake 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 Scott Lake (feature 1867202) 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 Scott Lake. 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 Scott Lake
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 Scott Lake
The named streets in Scott Lake, longest first, with how much of each street’s length inside Scott Lake lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Scott Lake; 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. 66 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Florida's Tpke | 4.0 mi | 8.2% | X (unshaded, minimal) (92%) |
| NW 17th Ave | 1.5 mi | 9.1% | X (unshaded, minimal) (52%) |
| NW 199th St | 1.3 mi | 32% | X (unshaded, minimal) (41%) |
| NW 14th Ave | 1.3 mi | 0.0% | X (shaded, 0.2% annual chance) (58%) |
| NW 19th Ave | 1.2 mi | 14% | X (shaded, 0.2% annual chance) (62%) |
| NW 191st St | 1.2 mi | 17% | X (shaded, 0.2% annual chance) (54%) |
| NW 179th St | 1.1 mi | 0.0% | X (shaded, 0.2% annual chance) (90%) |
| NW 22nd Ave | 1.1 mi | 50% | AE (50%) |
| NW 12th Ave | 1.1 mi | 0.0% | X (shaded, 0.2% annual chance) (66%) |
| NW 183rd St | 1.0 mi | 0.0% | X (unshaded, minimal) (74%) |
| NW 187th St | 1.0 mi | 21% | X (unshaded, minimal) (54%) |
| NW 195th St | 1.0 mi | 38% | X (unshaded, minimal) (57%) |
| NW 167th St | 5,150 ft | 0.0% | X (shaded, 0.2% annual chance) (74%) |
| NW 203rd St | 4,540 ft | 100% | AE (100%) |
| NW 175th St | 4,530 ft | 0.0% | X (shaded, 0.2% annual chance) (95%) |
| NW 188th Ter | 4,500 ft | 9.1% | X (unshaded, minimal) (74%) |
| NW 24th Ave | 4,500 ft | 0.0% | X (shaded, 0.2% annual chance) (55%) |
| NW Sunshine State Pkwy W | 4,490 ft | 0.0% | X (unshaded, minimal) (100%) |
| NW 189th Ter | 4,120 ft | 8.2% | X (unshaded, minimal) (70%) |
| NW 170th Ter | 4,040 ft | 4.2% | X (shaded, 0.2% annual chance) (69%) |
| NW 12th Ct | 3,930 ft | 0.0% | X (shaded, 0.2% annual chance) (53%) |
| NW Miami Gardens Dr | 3,920 ft | 0.0% | X (unshaded, minimal) (64%) |
| NW 192nd Ter | 3,800 ft | 18% | X (unshaded, minimal) (60%) |
| NW 18th Ave | 3,690 ft | 0.0% | X (shaded, 0.2% annual chance) (89%) |
| NW 173rd Ter | 3,580 ft | 0.0% | X (shaded, 0.2% annual chance) (88%) |
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 area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Scott Lake
Share of Scott Lake’s mapped area (about 7.606 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 (12086C0128L, 12086C0129L, 12086C0136L, 12086C0137L): September 11, 2009.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 41% |
| X (shaded, 0.2% annual chance) | 38% |
| AE | 21% |
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 Scott Lake. 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 | 5 | $0 |
| 1980s | 12 | $543 |
| 1990s | 43 | $40,672 |
| 2000s | 46 | $109,857 |
| 2010s | 10 | $22,588 |
| 2020s | 1 | $1,382 |
By year of loss
Named flood events with the most claims
- Flooding: 31 claims
- Hurricane Andrew: 14 claims
- Hurricane Irene: 14 claims
- Hurricane Wilma: 11 claims
- Hurricane Irma: 5 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 84
- X/B/C (moderate or minimal): 29
- Other (D): 3
- Not reported: 1
How much is flood insurance in Scott Lake?
The typical National Flood Insurance Program policy on single-family homes in Scott Lake costs $689 a year: the median of 226 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $588 and $781. 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.
Insurance agency or real estate agent? Sponsor this page.
Hurricane evacuation zone
All of Scott Lake is outside 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 Scott Lake |
|---|---|---|
| Zone E | at risk of storm surge in a Category 5 hurricane | 0.1% |
| Not in any zone | outside the county’s storm surge evacuation zones | 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 Scott Lake
- 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 Scott Lake
Flood maps are only one part of choosing a neighborhood. For what day-to-day life in Scott Lake is like, from parks to errands, see Living in Scott Lake, Miami Gardens on StrollPlace.
Buyer and renter FAQ
Does Scott Lake flood?
Yes. Insured properties in and around Scott Lake have filed flood claims. About 21% of Scott Lake’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 117 claims from the Census block groups that cover Scott Lake, from 1979 through 2023. 42 of them received a payment, totaling $175,042 (not adjusted for inflation). The busiest years were 2000 (23 claims), 1999 (17 claims), 1992 (16 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Scott Lake in a flood zone?
About 21% of Scott Lake’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) 41%; X (shaded, 0.2% annual chance) 38%; AE 21%. The FIRM panel(s) covering it took effect September 11, 2009.
Which streets in Scott Lake are in a high-risk flood zone?
Most of the length of NW 203rd St lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of Florida's Tpke, NW 17th Ave, NW 14th Ave, NW 179th St, NW 12th Ave, NW 183rd St, NW 167th St and NW 175th St does. Zones can change along a street, so check the exact address.
What ZIP code is Scott Lake in?
Scott Lake is in Miami Gardens, FL. ZIP codes 33056 and 33169: 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 Scott Lake in a hurricane evacuation zone?
All of Scott Lake is outside 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 Scott Lake?
The typical NFIP flood insurance policy on single-family homes in Scott Lake cost $689 a year: the median of 226 policies that started between August 1, 2025 and July 31, 2026. Half cost between $588 and $781. 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 Andover flood?
- Does Norland flood?
- Does Lake Lucerne 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 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. Claims are counted for exactly the block groups that make up the area. Block groups used: 120860095033, 120860095041, 120860099032, 120860099053, 120860099031, 120860095042. 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 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 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.