Does Spring Garden flood?
Spring Garden, Miami, FL · ZIP code 33136: the ZIP code on 37 of the 37 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Spring Garden have filed flood claims. About 99% of Spring Garden’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). NFIP flood insurance records list 37 claims from the Census block groups that cover Spring Garden, from 1992 through 2017. 23 of them received a payment, totaling $321,289 (not adjusted for inflation). The busiest years were 2017 (13 claims), 1992 (13 claims), 2005 (7 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 Spring Garden
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 Spring Garden
The named streets in Spring Garden, longest first, with how much of each street’s length inside Spring Garden lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Spring Garden; 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 North River Dr | 2,550 ft | 100% | AE (100%) |
| NW 7th Street Rd | 1,730 ft | 100% | AE (100%) |
| NW 8th Street Rd | 1,320 ft | 100% | AE (100%) |
| NW 9th Ct | 800 ft | 100% | AE (100%) |
| NW 7th St | 750 ft | 100% | AE (100%) |
| NW 10th Ave | 710 ft | 100% | AE (100%) |
| NW 10th St | 610 ft | 87% | AE (87%) |
| NW 7th Ct | 610 ft | 100% | AE (100%) |
| NW 10th Ct | 590 ft | 100% | AE (100%) |
| NW 9th Ave | 590 ft | 100% | AE (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 25, 2026. Each street is clipped to the neighborhood boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Spring Garden
Share of Spring Garden’s mapped area (about 0.317 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 9 feet. Effective date of the FIRM panel(s) covering it (12086C0312L, 12086C0314L): September 11, 2009.
| FEMA zone | Share of area |
|---|---|
| AE | 99% |
| X (unshaded, minimal) | 1.4% |
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 Spring Garden. About 92% of the combined area of those block groups lies inside Spring Garden. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1990s | 15 | $59,345 |
| 2000s | 9 | $2,203 |
| 2010s | 13 | $259,741 |
By year of loss
Named flood events with the most claims
- Hurricane Irma: 13 claims
- Hurricane Andrew: 11 claims
- Hurricane Katrina: 3 claims
- Hurricane Irene: 2 claims
- Hurricane Wilma: 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): 37
How much is flood insurance in Spring Garden?
The typical National Flood Insurance Program policy on single-family homes in Spring Garden costs $1,847 a year: the median of 86 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,401 and $2,396. 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 Spring Garden
- 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 Spring Garden
Flood maps are only one part of choosing a neighborhood. For what day-to-day life in Spring Garden is like, from parks to errands, see Living in Spring Garden, Miami on StrollPlace.
Buyer and renter FAQ
Does Spring Garden flood?
Yes. Insured properties in and around Spring Garden have filed flood claims. About 99% of Spring Garden’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). NFIP flood insurance records list 37 claims from the Census block groups that cover Spring Garden, from 1992 through 2017. 23 of them received a payment, totaling $321,289 (not adjusted for inflation). The busiest years were 2017 (13 claims), 1992 (13 claims), 2005 (7 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Spring Garden in a flood zone?
About 99% of Spring Garden’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). Shares by zone: AE 99%; X (unshaded, minimal) 1.4%. The FIRM panel(s) covering it took effect September 11, 2009.
Which streets in Spring Garden are in a high-risk flood zone?
Most of the length of NW North River Dr, NW 7th Street Rd, NW 8th Street Rd, NW 9th Ct, NW 7th St, NW 10th Ave, NW 10th St, NW 7th Ct, NW 10th Ct and NW 9th 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 Spring Garden in?
Spring Garden is in Miami, FL. ZIP code 33136: the ZIP code on 37 of the 37 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 Spring Garden?
The typical NFIP flood insurance policy on single-family homes in Spring Garden cost $1,847 a year: the median of 86 policies that started between August 1, 2025 and July 31, 2026. Half cost between $1,401 and $2,396. 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 Civic Center flood?
- Does North Sewell Park flood?
- Highland Park
- Does South Sewell Park flood?
- Culmer – living in Culmer (StrollPlace)
- Little Managua – living in Little Managua (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 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: 120860030013 (92.2% of the block group is inside Spring Garden). 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 31, 2026.