Does Baypoint flood?
Baypoint, Miami, FL · ZIP code 33137: the ZIP code on 44 of the 44 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Baypoint have filed flood claims. About 57% of Baypoint’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 44 claims from the Census block groups that cover Baypoint, from 1983 through 2022. 14 of them received a payment, totaling $429,343 (not adjusted for inflation). The busiest years were 1992 (14 claims), 2017 (9 claims), 1999 (5 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 (or the Miami-Dade County Flood Zone map viewer) and get flood insurance quotes before you sign a lease or a contract.
Check a specific address in Baypoint
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 Baypoint
The named streets in Baypoint, longest first, with how much of each street’s length inside Baypoint lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Baypoint; 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.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Lake Rd | 3,880 ft | 100% | AE (100%) |
| Bay Point Rd | 3,640 ft | 7.0% | X (unshaded, minimal) (80%) |
| Sabal Palm Rd | 3,430 ft | 84% | AE (84%) |
| Biscayne Blvd | 2,920 ft | 0.0% | X (unshaded, minimal) (100%) |
| Federal Hwy | 2,920 ft | 0.0% | X (unshaded, minimal) (100%) |
| Island Rd | 1,990 ft | 91% | AE (91%) |
| Gate Ln | 1,860 ft | 20% | X (unshaded, minimal) (70%) |
| Melaleuca Ln | 1,420 ft | 57% | AE (57%) |
| Buttonwood Ln | 1,090 ft | 100% | AE (100%) |
| Banyan Ln | 1,040 ft | 100% | AE (100%) |
| Palm Ln | 720 ft | 100% | AE (100%) |
| Hibiscus Ln | 630 ft | 52% | AE (52%) |
| Pidgeon Plum Ln | 560 ft | 40% | X (shaded, 0.2% annual chance) (60%) |
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 25, 2026. Each street is clipped to the neighborhood boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Baypoint
Share of Baypoint’s mapped area (about 0.649 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 10 feet. Effective date of the FIRM panel(s) covering it (12086C0304L, 12086C0308L): September 11, 2009.
| FEMA zone | Share of area |
|---|---|
| AE | 53% |
| X (unshaded, minimal) | 36% |
| X (shaded, 0.2% annual chance) | 7.0% |
| VE | 4.0% |
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 Baypoint. About 15% of the combined area of those block groups lies inside Baypoint, so the claim figures also reflect some nearby blocks. Several of these block groups extend over open water of Biscayne Bay, which the Census includes in block-group boundaries; counting land only (Census land and water areas), about 69% lies inside Baypoint. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1980s | 1 | $0 |
| 1990s | 23 | $219,848 |
| 2000s | 3 | $0 |
| 2010s | 13 | $156,854 |
| 2020s | 4 | $52,642 |
By year of loss
Named flood events with the most claims
- Hurricane Andrew: 13 claims
- Hurricane Irma: 9 claims
- Flooding: 4 claims
- Hurricane Irene: 4 claims
- Tropical Storm Alex: 2 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 42
- V/VE (coastal high hazard): 2
How much is flood insurance in Baypoint?
The typical National Flood Insurance Program policy on single-family homes in Baypoint costs $1,542 a year: the median of 140 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,188 and $2,088. 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 25, 2026.
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Before you rent or buy in Baypoint
- 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.
- Hiring movers? Check the moving company’s federal license and insurance first with the free Miami mover check.
Living in Baypoint
Flood maps are only one part of choosing a neighborhood. For what day-to-day life in Baypoint is like, from parks to errands, see Living in Baypoint, Miami on StrollPlace.
Buyer and renter FAQ
Does Baypoint flood?
Yes. Insured properties in and around Baypoint have filed flood claims. About 57% of Baypoint’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 44 claims from the Census block groups that cover Baypoint, from 1983 through 2022. 14 of them received a payment, totaling $429,343 (not adjusted for inflation). The busiest years were 1992 (14 claims), 2017 (9 claims), 1999 (5 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Baypoint in a flood zone?
About 57% of Baypoint’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). Shares by zone: AE 53%; X (unshaded, minimal) 36%; X (shaded, 0.2% annual chance) 7.0%; VE 4.0%. The FIRM panel(s) covering it took effect September 11, 2009.
Which streets in Baypoint are in a high-risk flood zone?
Most of the length of Lake Rd, Sabal Palm Rd, Island Rd, Melaleuca Ln, Buttonwood Ln, Banyan Ln, Palm Ln and Hibiscus Ln lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of Bay Point Rd, Biscayne Blvd and Federal Hwy does. Zones can change along a street, so check the exact address.
What ZIP code is Baypoint in?
Baypoint is in Miami, FL. ZIP code 33137: the ZIP code on 44 of the 44 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.
How much is flood insurance in Baypoint?
The typical NFIP flood insurance policy on single-family homes in Baypoint cost $1,542 a year: the median of 140 policies that started between August 1, 2025 and July 31, 2026. Half cost between $1,188 and $2,088. 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 Lemon City/Little Haiti flood?
- Does Morningside flood?
- Brentwood – living in Brentwood (StrollPlace)
- Design District – living in Design District (StrollPlace)
- Magnolia Park – living in Magnolia Park (StrollPlace)
- Historic Buena Vista East – living in Historic Buena Vista East (StrollPlace)
How these numbers were made
Neighborhood boundary: City of Miami, Miami Neighborhoods (ArcGIS feature service). 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 25, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Miami-Dade County (county code 12086), dataset as of September 8, 2026, retrieved October 25, 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: 120860021001 (15.1% of the block group is inside Baypoint). 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
- Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on October 25, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 25, 2026.
- City of Miami, Miami Neighborhoods (ArcGIS feature service).
- 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.
- 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 25, 2026 (flood zones). Page last updated October 30, 2026.