Does Symmes Grove flood?
Symmes Grove, Riverview, FL · ZIP code 33578: the ZIP code on 21 of the 21 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Symmes Grove have filed flood claims. About 11% of Symmes Grove’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 21 claims from the Census block groups that cover Symmes Grove, from 1997 through 2024. 16 of them received a payment, totaling $831,535 (not adjusted for inflation). The busiest years were 2024 (7 claims), 2001 (5 claims), 1997 (4 claims).
What this page counts as Symmes Grove
We could not find an openly licensed official boundary for Symmes Grove, so this page uses a census-based area. For this page, Symmes Grove means the 2010 Census block groups whose center lies within 1.6 km (1.0 miles) of the U.S. Geological Survey (GNIS) map point for Symmes Grove (feature 2485161) and inside the Riverview census-designated place boundary (U.S. Census Bureau; unincorporated Hillsborough County), each block group going to the nearest of the places we cover. Every number below is for exactly those block groups (listed in “How these numbers were made”), so the edges are approximate and may include or leave out a few blocks people would call Symmes Grove. Sources: U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
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 and get flood insurance quotes before you sign a lease or a contract.
Check a specific address in Symmes Grove
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 Symmes Grove
The named streets in Symmes Grove, longest first, with how much of each street’s length inside Symmes Grove lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Symmes Grove; 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. 28 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Sage Canyon Dr | 1.7 mi | 0.0% | X (unshaded, minimal) (100%) |
| State Hwy 93A | 1.7 mi | 7.2% | X (unshaded, minimal) (93%) |
| Fern Hill Dr | 1.4 mi | 0.0% | X (unshaded, minimal) (100%) |
| Cone Grove Rd | 1.3 mi | 7.2% | X (unshaded, minimal) (93%) |
| Green Harvest Dr | 1.1 mi | 0.0% | X (unshaded, minimal) (100%) |
| US Hwy 301 | 4,580 ft | 0.0% | X (unshaded, minimal) (100%) |
| Ventana Groves Blvd | 4,360 ft | 0.0% | X (unshaded, minimal) (100%) |
| Laguna Plains Dr | 4,220 ft | 0.0% | X (unshaded, minimal) (100%) |
| Symmes Rd | 3,740 ft | 0.0% | X (unshaded, minimal) (100%) |
| Summer Azure Dr | 3,170 ft | 0.0% | X (unshaded, minimal) (100%) |
| Strawberry Tetra Dr | 2,980 ft | 0.0% | X (unshaded, minimal) (100%) |
| Gibsonton Dr | 2,880 ft | 0.0% | X (unshaded, minimal) (100%) |
| Brussels Boy Ln | 2,780 ft | 0.0% | X (unshaded, minimal) (100%) |
| Kenda Dr | 2,580 ft | 0.0% | X (unshaded, minimal) (100%) |
| Medford Lake Dr | 2,440 ft | 0.0% | X (unshaded, minimal) (100%) |
| Kenlake Dr | 2,380 ft | 0.0% | X (unshaded, minimal) (100%) |
| Trotwood Dr | 2,260 ft | 24% | X (unshaded, minimal) (76%) |
| Crested Fringe Dr | 2,140 ft | 0.0% | X (unshaded, minimal) (100%) |
| Berryessa Ave | 2,070 ft | 0.0% | X (unshaded, minimal) (100%) |
| Boggy Moss Dr | 2,060 ft | 5.5% | X (unshaded, minimal) (94%) |
| Lake Montauk Dr | 2,030 ft | 0.0% | X (unshaded, minimal) (100%) |
| Branwood Dr | 1,700 ft | 0.0% | X (unshaded, minimal) (100%) |
| Rising Mist Blvd | 1,610 ft | 0.0% | X (unshaded, minimal) (100%) |
| Waterstone Dr | 1,590 ft | 8.1% | X (unshaded, minimal) (92%) |
| Flagstaff Falls Ave | 1,560 ft | 1.8% | X (unshaded, minimal) (98%) |
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 30, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Symmes Grove
Share of Symmes Grove’s mapped area (about 4.583 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 27.8 to 58.7 feet. Effective date of the FIRM panel(s) covering it (12057C0501J, 12057C0502J, 12057C0503J, 12057C0504J): October 7, 2021.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 89% |
| AE | 5.9% |
| A | 4.9% |
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 Symmes Grove. This area is made of whole block groups, so every claim counted here comes from inside it. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1990s | 5 | $89,110 |
| 2000s | 8 | $202,946 |
| 2010s | 1 | $67,988 |
| 2020s | 7 | $471,490 |
By year of loss
Named flood events with the most claims
- Torrential rain: 5 claims
- Hurricane Milton: 4 claims
- Flooding: 4 claims
- Hurricane Debby: 3 claims
- Hurricane Irma: 1 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 20
- X/B/C (moderate or minimal): 1
How much is flood insurance in Symmes Grove?
The typical National Flood Insurance Program policy on single-family homes in Symmes Grove costs $562 a year: the median of 59 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $479 and $693. 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 30, 2026.
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Hurricane evacuation zone
About 62% of Symmes Grove is outside Hillsborough County’s storm surge evacuation zones (Hillsborough County, Evacuation Zones (updated March 2026)).
| Zone | What the county says it means | Share of Symmes Grove |
|---|---|---|
| Zone A | see the county’s zone description | 5.5% |
| Zone B | see the county’s zone description | 6.3% |
| Zone C | see the county’s zone description | 1.9% |
| Zone D | see the county’s zone description | 20% |
| Zone E | see the county’s zone description | 4.0% |
| Not in any zone | outside the county’s storm surge evacuation zones | 62% |
Zones can split a street. Confirm the exact address with the county (Hillsborough County: Find Evacuation Information) and follow official evacuation orders. Hillsborough County provides this data “as is”; the county says the areas are approximate and not suitable for site-specific decision making.
Before you rent or buy in Symmes Grove
- 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 Symmes Grove
Flood maps are only one part of choosing a neighborhood. To compare Symmes Grove with other Riverview neighborhoods on more than flooding, see Riverview on StrollPlace.
Buyer and renter FAQ
Does Symmes Grove flood?
Yes. Insured properties in and around Symmes Grove have filed flood claims. About 11% of Symmes Grove’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 21 claims from the Census block groups that cover Symmes Grove, from 1997 through 2024. 16 of them received a payment, totaling $831,535 (not adjusted for inflation). The busiest years were 2024 (7 claims), 2001 (5 claims), 1997 (4 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Symmes Grove in a flood zone?
About 11% of Symmes Grove’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) 89%; AE 5.9%; A 4.9%. The FIRM panel(s) covering it took effect October 7, 2021.
Which streets in Symmes Grove are in a high-risk flood zone?
No street listed here has most of its length in FEMA high-risk zones. Less than 10% of Sage Canyon Dr, State Hwy 93A, Fern Hill Dr, Cone Grove Rd, Green Harvest Dr, US Hwy 301, Ventana Groves Blvd and Laguna Plains Dr does. Zones can change along a street, so check the exact address.
What ZIP code is Symmes Grove in?
Symmes Grove is in Riverview, FL. ZIP code 33578: the ZIP code on 21 of the 21 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.
Is Symmes Grove in a hurricane evacuation zone?
About 62% of Symmes Grove is outside Hillsborough County’s storm surge evacuation zones. Check the exact address with the county and follow official orders.
How much is flood insurance in Symmes Grove?
The typical NFIP flood insurance policy on single-family homes in Symmes Grove cost $562 a year: the median of 59 policies that started between August 1, 2025 and July 31, 2026. Half cost between $479 and $693. 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
How these numbers were made
Area: the census-based definition above, using U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names. Flood zone shares: the area polygon intersected with FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, area computed in an equal-area projection; retrieved October 30, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Hillsborough County (county code 12057), dataset as of September 8, 2026, retrieved October 30, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 120570138061. 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. Evacuation zones: the polygon intersected with Hillsborough County’s zone polygons in an equal-area projection; shares below 0.1% are left out. See the methodology.
Sources
- Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on October 30, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 30, 2026.
- U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
- 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.
- Hillsborough County, Evacuation Zones (updated March 2026) (retrieved October 30, 2026).
- Hillsborough County: Find Evacuation Information.
- 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 30, 2026 (flood zones); hazard data computed October 30, 2026. Page last updated October 30, 2026.