Does Orange Bowl flood?
Orange Bowl, Miami, FL · ZIP codes 33125, 33128 and 33010: 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 Orange Bowl have filed flood claims. About 65% of Orange Bowl’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). NFIP flood insurance records list 26 claims from the Census block groups that cover Orange Bowl, from 1978 through 2022. 18 of them received a payment, totaling $727,436 (not adjusted for inflation). The busiest years were 1999 (11 claims), 2022 (3 claims), 2000 (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 Orange Bowl
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 Orange Bowl
The named streets in Orange Bowl, longest first, with how much of each street’s length inside Orange Bowl lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Orange Bowl; 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 |
|---|---|---|---|
| NW 4th St | 2,720 ft | 92% | AE (92%) |
| NW 3rd St | 2,720 ft | 62% | AE (62%) |
| W Flagler St | 2,710 ft | 47% | X (unshaded, minimal) (53%) |
| NW 2nd St | 2,700 ft | 45% | X (unshaded, minimal) (55%) |
| NW 1st St | 2,700 ft | 33% | X (unshaded, minimal) (67%) |
| NW 6th St | 2,600 ft | 70% | AE (70%) |
| NW 13th Ave | 2,400 ft | 81% | AE (81%) |
| NW 16th Ave | 2,400 ft | 55% | AE (46%) |
| NW 14th Ave | 2,400 ft | 73% | AE (73%) |
| NW 12th Ave | 2,060 ft | 83% | AE (83%) |
| NW 5th St | 1,600 ft | 100% | AE (100%) |
| NW 15th Ave | 1,370 ft | 31% | X (unshaded, minimal) (69%) |
| NW 17th Ave | 1,310 ft | 70% | AE (70%) |
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 Orange Bowl
Share of Orange Bowl’s mapped area (about 0.603 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 |
|---|---|
| AE | 63% |
| X (unshaded, minimal) | 33% |
| AH | 1.8% |
| X (shaded, 0.2% annual chance) | 1.8% |
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 Orange Bowl. About 99% of the combined area of those block groups lies inside Orange Bowl. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1970s | 1 | $0 |
| 1980s | 1 | $9,078 |
| 1990s | 13 | $155,726 |
| 2000s | 7 | $312,841 |
| 2020s | 4 | $249,791 |
By year of loss
Named flood events with the most claims
- Hurricane Irene: 11 claims
- Tropical Storm Alex: 3 claims
- Flooding: 3 claims
- Hurricane Andrew: 2 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): 21
- X/B/C (moderate or minimal): 5
How much is flood insurance in Orange Bowl?
The typical National Flood Insurance Program policy on single-family homes in Orange Bowl costs $1,207 a year: the median of 10 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $837 and $1,368. 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 Orange Bowl
- 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 Orange Bowl
Flood maps are only one part of choosing a neighborhood. For what day-to-day life in Orange Bowl is like, from parks to errands, see Living in Orange Bowl, Miami on StrollPlace.
Buyer and renter FAQ
Does Orange Bowl flood?
Yes. Insured properties in and around Orange Bowl have filed flood claims. About 65% of Orange Bowl’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). NFIP flood insurance records list 26 claims from the Census block groups that cover Orange Bowl, from 1978 through 2022. 18 of them received a payment, totaling $727,436 (not adjusted for inflation). The busiest years were 1999 (11 claims), 2022 (3 claims), 2000 (3 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Orange Bowl in a flood zone?
About 65% of Orange Bowl’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). Shares by zone: AE 63%; X (unshaded, minimal) 33%; AH 1.8%; X (shaded, 0.2% annual chance) 1.8%. The FIRM panel(s) covering it took effect September 11, 2009.
Which streets in Orange Bowl are in a high-risk flood zone?
Most of the length of NW 4th St, NW 3rd St, NW 6th St, NW 13th Ave, NW 16th Ave, NW 14th Ave, NW 12th Ave, NW 5th St and NW 17th Ave lies in FEMA high-risk zones (the Special Flood Hazard Area). Zones can change along a street, so check the exact address.
What ZIP code is Orange Bowl in?
Orange Bowl is in Miami, FL. ZIP codes 33125, 33128 and 33010: 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 Orange Bowl?
The typical NFIP flood insurance policy on single-family homes in Orange Bowl cost $1,207 a year: the median of 10 policies that started between August 1, 2025 and July 31, 2026. Half cost between $837 and $1,368. 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 South Sewell Park flood?
- Does Citrus Grove flood?
- Does Latin Quarter flood?
- Does East Little Havana flood?
- Does Spring Garden flood?
- Does North 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: 120860052011 (99.0% of the block group is inside Orange Bowl), 120860052013 (100.0% of the block group is inside Orange Bowl), 120860052012 (98.2% of the block group is inside Orange Bowl). 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.