Does Roads flood?
Roads, Miami, FL · ZIP codes 33129, 33130, 33137, 33134, 33145 and 33131: 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 Roads have filed flood claims. About 1.9% of Roads’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 18 claims from the Census block groups that cover Roads, from 1984 through 2017. 8 of them received a payment, totaling $176,328 (not adjusted for inflation). The busiest years were 1992 (6 claims), 1999 (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 Roads
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 Roads
The named streets in Roads, longest first, with how much of each street’s length inside Roads lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Roads; 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. 17 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| SW 1st Ave | 1.5 mi | 0.0% | X (unshaded, minimal) (100%) |
| SW 3rd Ave | 1.5 mi | 0.0% | X (unshaded, minimal) (100%) |
| SW 4th Ave | 1.1 mi | 0.0% | X (unshaded, minimal) (100%) |
| SW 5th Ave | 4,690 ft | 2.1% | X (unshaded, minimal) (98%) |
| SW 2nd Ave | 4,560 ft | 0.0% | X (unshaded, minimal) (100%) |
| SW 12th Ave | 4,190 ft | 0.0% | X (unshaded, minimal) (100%) |
| SW 24th Rd | 3,740 ft | 4.8% | X (unshaded, minimal) (95%) |
| SW 26th Rd | 3,710 ft | 9.2% | X (unshaded, minimal) (91%) |
| SW 23rd Rd | 3,700 ft | 14% | X (unshaded, minimal) (86%) |
| SW 7th Ave | 3,600 ft | 5.1% | X (unshaded, minimal) (95%) |
| SW 22nd St | 3,510 ft | 0.0% | X (unshaded, minimal) (100%) |
| SW 22nd Rd | 3,480 ft | 0.0% | X (unshaded, minimal) (100%) |
| SW 25th Rd | 3,430 ft | 0.0% | X (unshaded, minimal) (100%) |
| SW 28th Rd | 3,360 ft | 0.0% | X (unshaded, minimal) (100%) |
| I-95 | 3,330 ft | 0.0% | X (unshaded, minimal) (100%) |
| SW 27th Rd | 3,270 ft | 7.1% | X (unshaded, minimal) (93%) |
| SW 21st Rd | 3,230 ft | 0.0% | X (unshaded, minimal) (100%) |
| US Hwy 1 | 3,220 ft | 0.0% | X (unshaded, minimal) (100%) |
| SW 20th Rd | 3,010 ft | 0.0% | X (unshaded, minimal) (100%) |
| SW 19th Rd | 2,750 ft | 6.2% | X (unshaded, minimal) (94%) |
| SW 29th Rd | 2,600 ft | 0.0% | X (unshaded, minimal) (100%) |
| SW 23rd St | 2,550 ft | 0.0% | X (unshaded, minimal) (100%) |
| SW 22nd Ter | 2,480 ft | 0.0% | X (unshaded, minimal) (100%) |
| SW 9th Ave | 2,410 ft | 54% | AH (54%) |
| SW 30th Rd | 2,000 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 Roads
Share of Roads’s mapped area (about 2.082 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 10 to 10 feet. Effective date of the FIRM panel(s) covering it (12086C0313L, 12086C0314L, 12086C0476L, 12086C0477L): September 11, 2009.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 98% |
| AH | 1.9% |
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 Roads. About 90% of the combined area of those block groups lies inside Roads. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1980s | 3 | $1,232 |
| 1990s | 10 | $164,854 |
| 2000s | 2 | $0 |
| 2010s | 3 | $10,242 |
By year of loss
Named flood events with the most claims
- Hurricane Andrew: 6 claims
- Hurricane Irene: 2 claims
- Hurricane Wilma: 1 claims
- Hurricane Irma: 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): 12
- A/AE/AH/AO (high risk): 3
- V/VE (coastal high hazard): 2
- Other (D): 1
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Before you rent or buy in Roads
- 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 Roads
Flood maps are only one part of choosing a neighborhood. For what day-to-day life in Roads is like, from parks to errands, see Living in Roads, Miami on StrollPlace.
Buyer and renter FAQ
Does Roads flood?
Yes. Insured properties in and around Roads have filed flood claims. About 1.9% of Roads’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 18 claims from the Census block groups that cover Roads, from 1984 through 2017. 8 of them received a payment, totaling $176,328 (not adjusted for inflation). The busiest years were 1992 (6 claims), 1999 (3 claims), 1984 (3 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Roads in a flood zone?
About 1.9% of Roads’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 1.9%. The FIRM panel(s) covering it took effect September 11, 2009.
Which streets in Roads are in a high-risk flood zone?
Most of the length of SW 9th Ave lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of SW 1st Ave, SW 3rd Ave, SW 4th Ave, SW 5th Ave, SW 2nd Ave, SW 12th Ave, SW 24th Rd and SW 26th Rd does. Zones can change along a street, so check the exact address.
What ZIP code is Roads in?
Roads is in Miami, FL. ZIP codes 33129, 33130, 33137, 33134, 33145 and 33131: 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.
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 West Brickell flood?
- Does Shenandoah North flood?
- Miami Avenue – living in Miami Avenue (StrollPlace)
- Does Shenandoah South flood?
- Does Silver Bluff flood?
- Vizcaya – living in Vizcaya (StrollPlace)
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: 120860066016 (100.0% of the block group is inside Roads), 120860066015 (99.2% of the block group is inside Roads), 120860066012 (98.8% of the block group is inside Roads), 120860066011 (100.0% of the block group is inside Roads), 120860069001 (99.9% of the block group is inside Roads), 120860067023 (76.1% of the block group is inside Roads), 120860067022 (76.0% of the block group is inside Roads). 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.
- 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 31, 2026.