Does Lemon City/Little Haiti flood?
Lemon City/Little Haiti, Miami, FL · ZIP codes 33138, 33137 and 33166: 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 Lemon City/Little Haiti have filed flood claims. About 2.5% of Lemon City/Little Haiti’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 26 claims from the Census block groups that cover Lemon City/Little Haiti, from 1979 through 2023. 13 of them received a payment, totaling $150,934 (not adjusted for inflation). The busiest years were 1992 (6 claims), 1986 (3 claims), 1984 (3 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 Lemon City/Little Haiti
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 Lemon City/Little Haiti
The named streets in Lemon City/Little Haiti, longest first, with how much of each street’s length inside Lemon City/Little Haiti lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Lemon City/Little Haiti; 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. 14 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| N Miami Ave | 1.3 mi | 9.0% | X (unshaded, minimal) (91%) |
| NE 2nd Ave | 4,290 ft | 0.0% | X (unshaded, minimal) (100%) |
| NE 1st Ct | 3,750 ft | 0.0% | X (unshaded, minimal) (100%) |
| NE 54th St | 3,510 ft | 0.0% | X (unshaded, minimal) (100%) |
| NE Miami Pl | 3,270 ft | 1.3% | X (unshaded, minimal) (99%) |
| NE 1st Ave | 3,250 ft | 0.0% | X (unshaded, minimal) (100%) |
| NE 55th St | 2,750 ft | 0.0% | X (unshaded, minimal) (100%) |
| NE 57th St | 2,740 ft | 0.0% | X (unshaded, minimal) (100%) |
| NE 56th St | 2,740 ft | 0.0% | X (unshaded, minimal) (100%) |
| NE 4th Ave | 2,510 ft | 0.0% | X (unshaded, minimal) (100%) |
| NE 58th St | 2,190 ft | 0.0% | X (unshaded, minimal) (100%) |
| NE Miami Ct | 2,130 ft | 0.0% | X (unshaded, minimal) (100%) |
| NE 53rd St | 2,030 ft | 0.0% | X (unshaded, minimal) (100%) |
| NE 51st St | 2,020 ft | 0.0% | X (unshaded, minimal) (100%) |
| NE 50th St | 1,880 ft | 0.0% | X (unshaded, minimal) (100%) |
| NE 3rd Ave | 1,860 ft | 0.0% | X (unshaded, minimal) (100%) |
| NE 58th Ter | 1,720 ft | 0.0% | X (unshaded, minimal) (100%) |
| NE 2nd Ct | 1,660 ft | 0.0% | X (unshaded, minimal) (100%) |
| NE 60th St | 1,440 ft | 0.0% | X (unshaded, minimal) (100%) |
| NE 59th St | 1,410 ft | 0.0% | X (unshaded, minimal) (100%) |
| NE 69th St | 1,360 ft | 40% | X (unshaded, minimal) (60%) |
| NE 70th St | 1,360 ft | 46% | X (unshaded, minimal) (54%) |
| NE 49th St | 1,350 ft | 0.0% | X (unshaded, minimal) (100%) |
| NE 55th Ter | 1,350 ft | 0.0% | X (unshaded, minimal) (100%) |
| NE 67th St | 1,350 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 24, 2026. Each street is clipped to the neighborhood boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Lemon City/Little Haiti
Share of Lemon City/Little Haiti’s mapped area (about 1.333 km²) in each FEMA flood zone, from Miami-Dade County GIS, FEMA Flood Zone feature layer (county copy of FEMA flood hazard zones). Mapped base flood elevations inside the neighborhood range from 11 to 11 feet.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 98% |
| AH | 2.5% |
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 Lemon City/Little Haiti. About 68% of the combined area of those block groups lies inside Lemon City/Little Haiti, so the claim figures also reflect some nearby blocks. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1970s | 1 | $5,000 |
| 1980s | 10 | $43,408 |
| 1990s | 9 | $64,862 |
| 2000s | 4 | $37,663 |
| 2020s | 2 | $0 |
By year of loss
Named flood events with the most claims
- Hurricane Andrew: 5 claims
- Flooding: 3 claims
- Hurricane Irene: 1 claims
- Hurricane Wilma: 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): 21
- A/AE/AH/AO (high risk): 3
- V/VE (coastal high hazard): 1
- Other (D): 1
How much is flood insurance in Lemon City/Little Haiti?
The typical National Flood Insurance Program policy on single-family homes in Lemon City/Little Haiti costs $730 a year: the median of 18 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $624 and $918. 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 24, 2026.
Insurance agency or real estate agent? Sponsor this page.
Hurricane storm surge in Lemon City/Little Haiti
Storm surge is seawater pushed onto land by a hurricane’s winds. NOAA’s National Hurricane Center (NHC) maps a near worst-case surge for each hurricane category, arriving at high tide, from thousands of simulated storms (NOAA National Hurricane Center, National Storm Surge Risk Maps, Version 4 (Texas to Maine, high tide scenario, GeoTIFF dated June 17, 2026)).
In those maps, about 0% of Lemon City/Little Haiti’s mapped area has surge flooding above ground in a Category 1 hurricane, 0% in a Category 3 and 9.6% in a Category 5.
| Hurricane | Area with any surge flooding | More than 3 ft | More than 6 ft | More than 9 ft | Deepest band mapped |
|---|---|---|---|---|---|
| Category 1 | 0% | 0% | 0% | 0% | no surge flooding mapped |
| Category 2 | 0% | 0% | 0% | 0% | no surge flooding mapped |
| Category 3 | 0% | 0% | 0% | 0% | no surge flooding mapped |
| Category 4 | 0.6% | 0% | 0% | 0% | 2–3 ft |
| Category 5 | 9.6% | 0.1% | 0% | 0% | 3–4 ft |
FEMA’s National Risk Index, which compares every U.S. census tract, rates hurricane risk (wind, surge and expected losses together) for the tracts that cover Lemon City/Little Haiti as: “Relatively High” for 58%; “Relatively Moderate” for 42% of the area. Their hurricane risk scores range from 89 to 92 out of 100; a score is a national percentile, so 92 means higher hurricane risk than about 92% of U.S. census tracts (FEMA National Risk Index, Census Tracts feature layer, Version 1.20.0 (December 2025)).
NHC: “The data, maps, and information provided should only be used as a tool for general education/awareness of the storm surge hazard at a city/community level (not for a parcel level/grid cell assessment).” The maps do not account for erosion, subsidence, sea-level change or future construction, and NHC says they “should not be used to replace the maps used for hurricane evacuation zones.” Find out whether your address is in an evacuation zone (below) and follow official orders.
Hurricane evacuation zone
About 68% of Lemon City/Little Haiti 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 Lemon City/Little Haiti |
|---|---|---|
| Zone C | at risk of storm surge in a Category 3 and higher hurricane | 32% |
| Not in any zone | outside the county’s storm surge evacuation zones | 68% |
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.
Extreme heat in Lemon City/Little Haiti
FEMA’s National Risk Index rates heat wave risk for the census tracts that cover Lemon City/Little Haiti as: “Relatively Moderate” for 58%; “Relatively Low” for 42% of the area. Their heat wave risk scores range from 47 to 67 out of 100 (national percentiles). The index weighs how often heat waves happen, what they are expected to cost, and how vulnerable and resilient the community is, so a dense area can rate differently from a nearby one (FEMA National Risk Index, Census Tracts feature layer, Version 1.20.0 (December 2025)).
Trees shade streets and buildings and cool the air around them (U.S. EPA: Using Trees and Vegetation to Reduce Heat Islands). In the USDA Forest Service’s 2025 satellite-based tree canopy map, trees cover about 12% of Lemon City/Little Haiti’s area on average, compared with 11% for Miami as a whole (all 104 City of Miami neighborhoods combined) (USDA Forest Service. 2026. USFS NLCD Percent Tree Canopy CONUS v2025-6 (2025 map). Salt Lake City, UT).
During a heat advisory, follow the National Weather Service: Heat Safety guidance. Neighborhood averages cannot tell you how hot a particular home, block or unit gets.
Tornado risk in Lemon City/Little Haiti
FEMA’s National Risk Index rates tornado risk for the census tracts that cover Lemon City/Little Haiti as: “Relatively Low” for 100% of the area. Their tornado risk scores range from 39 to 48 out of 100 (national percentiles). The rating weighs how often tornadoes have struck, what is exposed to them and how well the community can recover (FEMA National Risk Index, Census Tracts feature layer, Version 1.20.0 (December 2025)).
Here tornadoes can come with hurricanes and tropical storms as well as with spring thunderstorms. A rating for a whole tract cannot tell you how a particular building would fare; check whether a home insurance policy has a separate windstorm deductible, and know where the safest interior room is.
This product uses the Federal Emergency Management Agency’s National Risk Index dataset API or downloadable datasets but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). FEMA: “The National Risk Index data are meant for planning purposes only. This National Risk Index dataset was created for broad nationwide comparisons and is not a substitute for localized risk assessment analysis.”
Before you rent or buy in Lemon City/Little Haiti
- 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 Lemon City/Little Haiti
Flood maps are only one part of choosing a neighborhood. For what day-to-day life in Lemon City/Little Haiti is like, from parks to errands, see Living in Lemon City/Little Haiti, Miami on StrollPlace.
Buyer and renter FAQ
Does Lemon City/Little Haiti flood?
Yes. Insured properties in and around Lemon City/Little Haiti have filed flood claims. About 2.5% of Lemon City/Little Haiti’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 26 claims from the Census block groups that cover Lemon City/Little Haiti, from 1979 through 2023. 13 of them received a payment, totaling $150,934 (not adjusted for inflation). The busiest years were 1992 (6 claims), 1986 (3 claims), 1984 (3 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Lemon City/Little Haiti in a flood zone?
About 2.5% of Lemon City/Little Haiti’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) 98%; AH 2.5%.
Which streets in Lemon City/Little Haiti are in a high-risk flood zone?
No street listed here has most of its length in FEMA high-risk zones. Less than 10% of N Miami Ave, NE 2nd Ave, NE 1st Ct, NE 54th St, NE Miami Pl, NE 1st Ave, NE 55th St and NE 57th St does. Zones can change along a street, so check the exact address.
What ZIP code is Lemon City/Little Haiti in?
Lemon City/Little Haiti is in Miami, FL. ZIP codes 33138, 33137 and 33166: 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.
Does storm surge reach Lemon City/Little Haiti?
In NOAA’s National Hurricane Center near worst-case maps, about 0% of Lemon City/Little Haiti’s mapped area floods from storm surge in a Category 1 hurricane, 0% in a Category 3 and 9.6% in a Category 5. These maps are for awareness at a community level, not for a single building.
Is Lemon City/Little Haiti in a hurricane evacuation zone?
About 68% of Lemon City/Little Haiti is outside Miami-Dade County’s storm surge evacuation zones. Check the exact address with the county and follow official orders.
Is Lemon City/Little Haiti at risk of tornadoes?
FEMA’s National Risk Index rates tornado risk for the tracts that cover Lemon City/Little Haiti as “Relatively Low” for 100% of the area. It compares places nationally; it is not a forecast.
How much is flood insurance in Lemon City/Little Haiti?
The typical NFIP flood insurance policy on single-family homes in Lemon City/Little Haiti cost $730 a year: the median of 18 policies that started between August 1, 2025 and July 31, 2026. Half cost between $624 and $918. 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 Little River Central flood?
- Little River Industrial District
- Does Edison flood?
- Palm Grove – living in Palm Grove (StrollPlace)
- Does Morningside flood?
- Does Baypoint flood?
How these numbers were made
Neighborhood boundary: City of Miami, Miami Neighborhoods (ArcGIS feature service). Flood zone shares: the neighborhood polygon intersected with Miami-Dade County GIS, FEMA Flood Zone feature layer (county copy of FEMA flood hazard zones), area computed in an equal-area projection; retrieved October 21, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Miami-Dade County (county code 12086), dataset as of September 8, 2026, retrieved October 21, 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: 120860020012 (51.4% of the block group is inside Lemon City/Little Haiti), 120860020011 (48.3% of the block group is inside Lemon City/Little Haiti), 120860022011 (78.8% of the block group is inside Lemon City/Little Haiti), 120860020042 (99.9% of the block group is inside Lemon City/Little Haiti), 120860020041 (54.9% of the block group is inside Lemon City/Little Haiti). 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. Storm surge: the neighborhood polygon overlaid on NHC’s Category 1–5 high-tide inundation GeoTIFFs (about 10 m cells in 1-ft depth classes); each share is the fraction of cells whose center lies inside the polygon and that NHC maps with water above ground, counting cells NHC leaves blank as not flooded. Evacuation zones: the polygon intersected with Miami-Dade County’s zone polygons in an equal-area projection; shares below 0.1% are left out. Tree canopy: the mean of the 2025 NLCD Tree Canopy Cover values (0–100%, 30 m cells in an equal-area projection) for cells whose center lies inside the polygon. Tornado: the FEMA National Risk Index tornado rating and score of each census tract that covers the neighborhood, weighted by its share of the area. FEMA National Risk Index: census tracts intersected with the polygon in an equal-area projection; each rating’s share is the share of the polygon covered by tracts with that rating (tracts covering less than 1% are left out; together the tracts used cover 99%). We do not compute a new score. Tracts used: 12086002004 (41%), 12086002201 (33%), 12086002001 (25%). See the methodology.
Sources
- Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on October 21, 2026.
- Miami-Dade County GIS, FEMA Flood Zone feature layer (county copy of FEMA flood hazard zones). Retrieved on October 21, 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.
- NOAA National Hurricane Center, National Storm Surge Risk Maps, Version 4 (Texas to Maine, high tide scenario, GeoTIFF dated June 17, 2026) (computed October 21, 2026).
- Zachry, B. C., W. J. Booth, J. R. Rhome, and T. M. Sharon, 2015: A National View of Storm Surge Risk and Inundation. Weather, Climate, and Society, 7(2), 109–117 (NHC’s preferred citation).
- Miami-Dade County, Storm Surge Planning Zones (Hurricane Evacuation Zone feature layer) (retrieved October 21, 2026).
- Miami-Dade County: Storm Surge (Storm Surge Planning Zones).
- USDA Forest Service. 2026. USFS NLCD Percent Tree Canopy CONUS v2025-6 (2025 map). Salt Lake City, UT (30 m cells; read October 21, 2026).
- National Weather Service: Heat Safety.
- U.S. EPA: Using Trees and Vegetation to Reduce Heat Islands.
- FEMA National Risk Index, Census Tracts feature layer, Version 1.20.0 (December 2025) (retrieved October 21, 2026).
- FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3.
- U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads).
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels (street flood zones).
Data as of September 8, 2026 (FEMA claims) and October 21, 2026 (flood zones); hazard data computed October 21, 2026. Page last updated October 24, 2026.