Does Latin Quarter flood?
Latin Quarter, Miami, FL · ZIP codes 33135, 33196, 33142 and 33130: 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 Latin Quarter have filed flood claims. About 25% of Latin Quarter’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 15 claims from the Census block groups that cover Latin Quarter, from 1980 through 2017. 9 of them received a payment, totaling $56,056 (not adjusted for inflation). The busiest years were 1999 (6 claims), 1980 (3 claims), 2017 (2 claims).
Latin Quarter is one of the neighborhoods we group as Little Havana; see that page for the combined flood numbers.
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 Latin Quarter
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 Latin Quarter
The named streets in Latin Quarter, longest first, with how much of each street’s length inside Latin Quarter lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Latin Quarter; 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 |
|---|---|---|---|
| SW 16th Ave | 2,760 ft | 24% | X (unshaded, minimal) (76%) |
| SW 15th Ave | 2,760 ft | 67% | AH (67%) |
| SW 13th Ave | 2,760 ft | 41% | X (unshaded, minimal) (59%) |
| SW 14th Ave | 2,740 ft | 39% | X (unshaded, minimal) (61%) |
| SW 7th St | 2,710 ft | 13% | X (unshaded, minimal) (87%) |
| SW 3rd St | 2,710 ft | 23% | X (unshaded, minimal) (77%) |
| SW 5th St | 2,710 ft | 52% | AH (52%) |
| SW 4th St | 2,710 ft | 53% | AH (53%) |
| SW 1st St | 2,700 ft | 37% | X (unshaded, minimal) (62%) |
| SW Flagler Ter | 2,700 ft | 31% | X (unshaded, minimal) (69%) |
| SW 2nd St | 2,700 ft | 60% | AH (60%) |
| SW 6th St | 2,700 ft | 15% | X (unshaded, minimal) (85%) |
| SW 17th Ave | 1,990 ft | 0.0% | X (unshaded, minimal) (100%) |
| 8th St SE | 1,680 ft | 0.0% | X (unshaded, minimal) (100%) |
| SW 12th Ave | 1,590 ft | 22% | X (unshaded, minimal) (78%) |
| SW 8th St | 960 ft | 0.0% | X (unshaded, minimal) (100%) |
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 Latin Quarter
Share of Latin Quarter’s mapped area (about 0.69 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 9 to 10 feet. Effective date of the FIRM panel(s) covering it (12086C0313L, 12086C0314L): September 11, 2009.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 75% |
| AH | 24% |
| AE | 1.3% |
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 Latin Quarter. About 99% of the combined area of those block groups lies inside Latin Quarter. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1980s | 4 | $777 |
| 1990s | 7 | $35,281 |
| 2000s | 2 | $19,998 |
| 2010s | 2 | $0 |
By year of loss
Named flood events with the most claims
- Hurricane Irene: 6 claims
- Hurricane Irma: 2 claims
- Hurricane Wilma: 1 claims
- Hurricane Andrew: 1 claims
- Flooding: 1 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- X/B/C (moderate or minimal): 9
- A/AE/AH/AO (high risk): 6
How much is flood insurance in Latin Quarter?
The typical National Flood Insurance Program policy on single-family homes in Latin Quarter costs $918 a year: the median of 20 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $791 and $1,068. 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 Latin Quarter
- 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 Latin Quarter
Flood maps are only one part of choosing a neighborhood. For what day-to-day life in Latin Quarter is like, from parks to errands, see Living in Latin Quarter, Miami on StrollPlace.
Buyer and renter FAQ
Does Latin Quarter flood?
Yes. Insured properties in and around Latin Quarter have filed flood claims. About 25% of Latin Quarter’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 15 claims from the Census block groups that cover Latin Quarter, from 1980 through 2017. 9 of them received a payment, totaling $56,056 (not adjusted for inflation). The busiest years were 1999 (6 claims), 1980 (3 claims), 2017 (2 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Latin Quarter in a flood zone?
About 25% of Latin Quarter’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) 75%; AH 24%; AE 1.3%. The FIRM panel(s) covering it took effect September 11, 2009.
Which streets in Latin Quarter are in a high-risk flood zone?
Most of the length of SW 15th Ave, SW 5th St, SW 4th St and SW 2nd St lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of SW 17th Ave, 8th St SE and SW 8th St does. Zones can change along a street, so check the exact address.
What ZIP code is Latin Quarter in?
Latin Quarter is in Miami, FL. ZIP codes 33135, 33196, 33142 and 33130: 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.
How much is flood insurance in Latin Quarter?
The typical NFIP flood insurance policy on single-family homes in Latin Quarter cost $918 a year: the median of 20 policies that started between August 1, 2025 and July 31, 2026. Half cost between $791 and $1,068. 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 Orange Bowl flood?
- Does Citrus Grove flood?
- Does Shenandoah North flood?
- Does East Little Havana flood?
- Does Roads flood?
- Does South Sewell Park flood?
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: 120860053032 (98.9% of the block group is inside Latin Quarter), 120860053043 (100.0% of the block group is inside Latin Quarter), 120860053031 (99.1% of the block group is inside Latin Quarter), 120860053033 (97.8% of the block group is inside Latin Quarter), 120860053042 (100.0% of the block group is inside Latin Quarter), 120860053041 (100.0% of the block group is inside Latin Quarter). 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 25, 2026.