Does Melrose flood?
Yes. Insured properties in and around Melrose have filed flood claims. About 92% of Melrose’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). NFIP flood insurance records list 319 claims from the Census block groups that cover Melrose, from 1991 through 2023. 201 of them received a payment, totaling $3,591,387 (not adjusted for inflation). The busiest years were 2000 (143 claims), 1999 (69 claims), 2020 (26 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.
Flood zones in Melrose
Share of Melrose’s mapped area (about 2.406 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 8 to 10 feet.
| FEMA zone | Share of area |
|---|---|
| AE | 90% |
| X (unshaded, minimal) | 7.5% |
| AH | 1.9% |
| X (shaded, 0.2% annual chance) | 0.1% |
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 Melrose. About 75% of the combined area of those block groups lies inside Melrose, so the claim figures also reflect some nearby blocks. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1990s | 93 | $805,925 |
| 2000s | 176 | $1,690,370 |
| 2010s | 13 | $157,364 |
| 2020s | 37 | $937,728 |
By year of loss
Named flood events with the most claims
- Flooding: 144 claims
- Hurricane Irene: 68 claims
- Hurricane Andrew: 12 claims
- Hurricane Wilma: 8 claims
- Hurricane Katrina: 7 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 281
- Not reported: 36
- X/B/C (moderate or minimal): 2
Before you rent or buy in Melrose
- 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 Melrose
Flood maps are only one part of choosing a neighborhood. For what day-to-day life in Melrose is like, from parks to errands, see Living in Melrose, Miami on StrollPlace.
Buyer and renter FAQ
Does Melrose flood?
Yes. Insured properties in and around Melrose have filed flood claims. About 92% of Melrose’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). NFIP flood insurance records list 319 claims from the Census block groups that cover Melrose, from 1991 through 2023. 201 of them received a payment, totaling $3,591,387 (not adjusted for inflation). The busiest years were 2000 (143 claims), 1999 (69 claims), 2020 (26 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Melrose in a flood zone?
About 92% of Melrose’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). Shares by zone: AE 90%; X (unshaded, minimal) 7.5%; AH 1.9%; X (shaded, 0.2% annual chance) 0.1%.
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
- Flora Park – living in Flora Park (StrollPlace)
- Hadley Park – living in Hadley Park (StrollPlace)
- Does Santa Clara flood?
- 36th Street Strip
- Allapattah Industrial District
- Does Curtis 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 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: 120860024021 (50.4% of the block group is inside Melrose), 120860024022 (51.1% of the block group is inside Melrose), 120860024042 (92.0% of the block group is inside Melrose), 120860024041 (98.8% of the block group is inside Melrose), 120860024032 (99.6% of the block group is inside Melrose), 120860024031 (84.1% of the block group is inside Melrose). 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. 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.
Data as of September 8, 2026 (FEMA claims) and October 21, 2026 (flood zones). Page last updated October 21, 2026.