Does Civic Center flood?
Civic Center, Miami, FL · ZIP codes 33125, 33145, 33136 and 33184: 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 Civic Center have filed flood claims. About 51% of Civic Center’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). NFIP flood insurance records list 20 claims from the Census block groups that cover Civic Center, from 1984 through 2017. 9 of them received a payment, totaling $531,686 (not adjusted for inflation). The busiest years were 1999 (7 claims), 2000 (5 claims), 2005 (2 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 Civic Center
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 Civic Center
The named streets in Civic Center, longest first, with how much of each street’s length inside Civic Center lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Civic Center; 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. 7 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Dolphin Expy | 4,900 ft | 59% | AE (59%) |
| NW 14th St | 4,450 ft | 86% | AE (86%) |
| State Hwy 836 | 4,410 ft | 11% | X (unshaded, minimal) (89%) |
| NW 15th St | 3,850 ft | 45% | X (unshaded, minimal) (55%) |
| NW 19th St | 3,590 ft | 32% | X (unshaded, minimal) (68%) |
| NW 12th Ave | 3,450 ft | 39% | X (unshaded, minimal) (61%) |
| NW 14th Ave | 3,380 ft | 93% | AE (93%) |
| NW 17th Ave | 3,270 ft | 100% | AE (100%) |
| I-95 | 3,270 ft | 0.0% | X (unshaded, minimal) (100%) |
| NW 16th St | 3,230 ft | 81% | AE (81%) |
| NW North River Dr | 3,140 ft | 100% | AE (100%) |
| NW 17th St | 2,940 ft | 35% | X (unshaded, minimal) (65%) |
| NW 13th Ct | 2,550 ft | 99% | AE (99%) |
| NW 18th St | 2,440 ft | 49% | X (unshaded, minimal) (51%) |
| NW 15th Ave | 2,420 ft | 100% | AE (100%) |
| NW 7th Ave | 2,400 ft | 0.0% | X (unshaded, minimal) (100%) |
| NW 9th Ave | 2,130 ft | 0.0% | X (unshaded, minimal) (100%) |
| NW 14th Ter | 1,990 ft | 60% | AE (60%) |
| NW 8th Ave | 1,980 ft | 0.0% | X (unshaded, minimal) (100%) |
| NW 20th St | 1,970 ft | 53% | AE (53%) |
| NW 15th Street Rd | 1,800 ft | 100% | AE (100%) |
| NW 13th Ave | 1,780 ft | 54% | AE (54%) |
| NW 12th St | 1,340 ft | 100% | AE (100%) |
| NW 19th Ter | 1,310 ft | 100% | AE (100%) |
| NW 10th Ave | 1,180 ft | 8.3% | X (unshaded, minimal) (92%) |
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 Civic Center
Share of Civic Center’s mapped area (about 1.787 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 5 to 11 feet. Effective date of the FIRM panel(s) covering it (12086C0311L, 12086C0312L): September 11, 2009.
| FEMA zone | Share of area |
|---|---|
| AE | 50% |
| X (unshaded, minimal) | 49% |
| AH | 0.0% |
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 Civic Center. About 95% of the combined area of those block groups lies inside Civic Center. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1980s | 1 | $0 |
| 1990s | 9 | $4,744 |
| 2000s | 8 | $14,570 |
| 2010s | 2 | $512,371 |
By year of loss
Named flood events with the most claims
- Hurricane Irene: 7 claims
- Flooding: 5 claims
- Hurricane Wilma: 2 claims
- Hurricane Andrew: 2 claims
- Hurricane Irma: 1 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 20
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Before you rent or buy in Civic Center
- 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 Civic Center
Flood maps are only one part of choosing a neighborhood. For what day-to-day life in Civic Center is like, from parks to errands, see Living in Civic Center, Miami on StrollPlace.
Buyer and renter FAQ
Does Civic Center flood?
Yes. Insured properties in and around Civic Center have filed flood claims. About 51% of Civic Center’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). NFIP flood insurance records list 20 claims from the Census block groups that cover Civic Center, from 1984 through 2017. 9 of them received a payment, totaling $531,686 (not adjusted for inflation). The busiest years were 1999 (7 claims), 2000 (5 claims), 2005 (2 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Civic Center in a flood zone?
About 51% of Civic Center’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). Shares by zone: AE 50%; X (unshaded, minimal) 49%; AH 0.0%. The FIRM panel(s) covering it took effect September 11, 2009.
Which streets in Civic Center are in a high-risk flood zone?
Most of the length of Dolphin Expy, NW 14th St, NW 14th Ave, NW 17th Ave, NW 16th St, NW North River Dr, NW 13th Ct, NW 15th Ave, NW 14th Ter, NW 20th St, NW 15th Street Rd and NW 13th Ave lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of I-95, NW 7th Ave, NW 9th Ave, NW 8th Ave and NW 10th Ave does. Zones can change along a street, so check the exact address.
What ZIP code is Civic Center in?
Civic Center is in Miami, FL. ZIP codes 33125, 33145, 33136 and 33184: 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.
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
- Allapattah Industrial District
- Rainbow Village – living in Rainbow Village (StrollPlace)
- Town Park – living in Town Park (StrollPlace)
- Does Curtis Park flood?
- Does North Sewell Park flood?
- Highland Park
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: 120860030041 (99.9% of the block group is inside Civic Center), 120860030011 (97.7% of the block group is inside Civic Center), 120860030042 (90.4% of the block group is inside Civic Center). 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.
- 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 25, 2026.