Does Morningside flood?
Morningside, Miami, FL · ZIP code 33137: the ZIP code on 47 of the 48 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Morningside have filed flood claims. About 56% of Morningside’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 48 claims from the Census block groups that cover Morningside, from 1979 through 2022. 23 of them received a payment, totaling $543,776 (not adjusted for inflation). The busiest years were 2017 (8 claims), 1999 (8 claims), 1992 (7 claims).
Morningside is one of the neighborhoods we group as Upper East Side; 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 Morningside
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 Morningside
The named streets in Morningside, longest first, with how much of each street’s length inside Morningside lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Morningside; 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 |
|---|---|---|---|
| NE 5th Ave | 2,670 ft | 17% | X (unshaded, minimal) (65%) |
| NE 55th Ter | 2,480 ft | 55% | AE (55%) |
| Biscayne Blvd | 2,200 ft | 0.0% | X (unshaded, minimal) (100%) |
| NE Bayshore Dr | 2,170 ft | 97% | AE (97%) |
| NE 57th St | 1,990 ft | 46% | AE (46%) |
| NE 50th Ter | 1,950 ft | 65% | AE (65%) |
| NE 56th St | 1,950 ft | 41% | X (unshaded, minimal) (49%) |
| NE 51st St | 1,890 ft | 61% | AE (61%) |
| NE 52nd St | 1,820 ft | 57% | AE (57%) |
| NE 59th St | 1,820 ft | 50% | AE (50%) |
| NE 52nd Ter | 1,800 ft | 53% | AE (53%) |
| NE 6th Ave | 1,800 ft | 24% | X (shaded, 0.2% annual chance) (38%) |
| NE 53rd St | 1,800 ft | 50% | AE (50%) |
| NE 7th Ave | 1,670 ft | 100% | AE (100%) |
| NE 6th Ct | 1,650 ft | 64% | AE (64%) |
| NE 55th St | 1,630 ft | 39% | X (unshaded, minimal) (56%) |
| NE 58th St | 1,550 ft | 37% | X (unshaded, minimal) (46%) |
| Federal Hwy | 1,360 ft | 0.0% | X (unshaded, minimal) (100%) |
| NE 61st St | 1,040 ft | 30% | X (unshaded, minimal) (54%) |
| NE 60th St | 760 ft | 11% | X (unshaded, minimal) (62%) |
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 Morningside
Share of Morningside’s mapped area (about 0.836 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 | 52% |
| X (unshaded, minimal) | 36% |
| X (shaded, 0.2% annual chance) | 8.3% |
| VE | 3.8% |
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 Morningside. About 24% of the combined area of those block groups lies inside Morningside, 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 83% lies inside Morningside. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1970s | 1 | $2,300 |
| 1980s | 1 | $5,365 |
| 1990s | 24 | $350,876 |
| 2000s | 5 | $4,573 |
| 2010s | 12 | $152,308 |
| 2020s | 5 | $28,355 |
By year of loss
Named flood events with the most claims
- Hurricane Irma: 7 claims
- Hurricane Irene: 6 claims
- Hurricane Andrew: 6 claims
- Flooding: 4 claims
- Hurricane Katrina: 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): 31
- X/B/C (moderate or minimal): 17
How much is flood insurance in Morningside?
The typical National Flood Insurance Program policy on single-family homes in Morningside costs $1,427 a year: the median of 158 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,133 and $1,996. 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.
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Before you rent or buy in Morningside
- 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 Morningside
Flood maps are only one part of choosing a neighborhood. For what day-to-day life in Morningside is like, from parks to errands, see Living in Morningside, Miami on StrollPlace.
Buyer and renter FAQ
Does Morningside flood?
Yes. Insured properties in and around Morningside have filed flood claims. About 56% of Morningside’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 48 claims from the Census block groups that cover Morningside, from 1979 through 2022. 23 of them received a payment, totaling $543,776 (not adjusted for inflation). The busiest years were 2017 (8 claims), 1999 (8 claims), 1992 (7 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Morningside in a flood zone?
About 56% of Morningside’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). Shares by zone: AE 52%; X (unshaded, minimal) 36%; X (shaded, 0.2% annual chance) 8.3%; VE 3.8%. The FIRM panel(s) covering it took effect September 11, 2009.
Which streets in Morningside are in a high-risk flood zone?
Most of the length of NE 55th Ter, NE Bayshore Dr, NE 50th Ter, NE 51st St, NE 52nd St, NE 59th St, NE 52nd Ter, NE 7th Ave and NE 6th Ct lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of Biscayne Blvd and Federal Hwy does. Zones can change along a street, so check the exact address.
What ZIP code is Morningside in?
Morningside is in Miami, FL. ZIP code 33137: the ZIP code on 47 of the 48 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 Morningside?
The typical NFIP flood insurance policy on single-family homes in Morningside cost $1,427 a year: the median of 158 policies that started between August 1, 2025 and July 31, 2026. Half cost between $1,133 and $1,996. 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?
- Palm Grove – living in Palm Grove (StrollPlace)
- Legion Park – living in Legion Park (StrollPlace)
- Does Baypoint flood?
- Brentwood – living in Brentwood (StrollPlace)
- Little River Industrial District
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 24, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Miami-Dade County (county code 12086), dataset as of September 8, 2026, retrieved October 24, 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: 120860021003 (21.9% of the block group is inside Morningside), 120860021002 (26.4% of the block group is inside Morningside). 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 24, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 24, 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 24, 2026 (flood zones). Page last updated October 27, 2026.