Does Four Points flood?
Four Points, Tallahassee, FL · ZIP codes 32305, 32301 and 32304: 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 Four Points have filed flood claims. About 19% of Four Points’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 71 claims from the Census block groups that cover Four Points, from 1983 through 2025. 52 of them received a payment, totaling $549,094 (not adjusted for inflation). The busiest years were 2001 (26 claims), 1994 (22 claims), 1991 (3 claims).
What this page counts as Four Points
We could not find an openly licensed official boundary for Four Points, so this page uses a census-based area. For this page, Four Points 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 Four Points (feature 305698) and inside the Tallahassee city limits (U.S. Census Bureau), 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 Four Points. 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 Four Points
Neighborhood figures are averages. Our address check looks up the FEMA flood zone at one address, from the same public maps: check if your address is in a flood zone.
Flood zones street by street in Four Points
The named streets in Four Points, longest first, with how much of each street’s length inside Four Points lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Four Points; 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. 90 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| State Hwy 363 | 1.5 mi | 0.0% | X (unshaded, minimal) (100%) |
| Crossway Rd | 1.2 mi | 0.0% | X (unshaded, minimal) (100%) |
| Crawfordville Rd | 1.2 mi | 0.0% | X (unshaded, minimal) (100%) |
| Shelfer Rd | 1.1 mi | 0.0% | X (unshaded, minimal) (100%) |
| Ross Rd | 1.0 mi | 0.0% | X (unshaded, minimal) (100%) |
| Bragg Dr | 4,010 ft | 22% | X (unshaded, minimal) (74%) |
| Springsax Rd | 3,680 ft | 0.0% | X (unshaded, minimal) (100%) |
| N Ridge Rd | 3,570 ft | 28% | X (unshaded, minimal) (65%) |
| Paul Russell Rd | 3,420 ft | 0.0% | X (unshaded, minimal) (100%) |
| E Orange Ave | 3,320 ft | 87% | AE (87%) |
| Orange Ave E | 3,320 ft | 87% | AE (87%) |
| Capital Cir SW | 3,290 ft | 0.0% | X (unshaded, minimal) (100%) |
| Capital Cir SE | 3,290 ft | 0.0% | X (unshaded, minimal) (100%) |
| S Adams St | 3,230 ft | 0.0% | X (unshaded, minimal) (100%) |
| Wahnish Way | 2,890 ft | 53% | AE (53%) |
| Orange Ave W | 2,860 ft | 0.0% | X (unshaded, minimal) (100%) |
| W Orange Ave | 2,860 ft | 0.0% | X (unshaded, minimal) (100%) |
| Pontiac Dr | 2,780 ft | 42% | X (unshaded, minimal) (57%) |
| Four Points Way | 2,750 ft | 0.0% | X (unshaded, minimal) (100%) |
| S Meridian St | 2,670 ft | 34% | X (unshaded, minimal) (58%) |
| Pasco St | 2,670 ft | 26% | X (unshaded, minimal) (50%) |
| S Monroe St | 2,640 ft | 0.0% | X (unshaded, minimal) (73%) |
| Laura Lee Ave | 2,600 ft | 0.0% | X (unshaded, minimal) (75%) |
| Americana St | 2,580 ft | 0.0% | X (unshaded, minimal) (100%) |
| Sunnyside Dr | 2,420 ft | 17% | X (unshaded, minimal) (82%) |
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 29, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Four Points
Share of Four Points’s mapped area (about 7.987 km²) in each FEMA flood zone, from FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Effective date of the FIRM panel(s) covering it (12073C0291F, 12073C0292F, 12073C0293F, 12073C0294F): August 18, 2009.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 77% |
| AE | 17% |
| X (shaded, 0.2% annual chance) | 3.6% |
| A | 2.6% |
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 Four Points. 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 |
|---|---|---|
| 1980s | 3 | $14,548 |
| 1990s | 26 | $332,180 |
| 2000s | 32 | $174,420 |
| 2010s | 7 | $10,813 |
| 2020s | 3 | $17,134 |
By year of loss
Named flood events with the most claims
- Tropical Storm Allison: 22 claims
- Tropical Storm Barry: 3 claims
- Hurricane Michael: 2 claims
- Hurricane Debby: 1 claims
- Tropical Storm Isidore: 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): 64
- X/B/C (moderate or minimal): 7
How much is flood insurance in Four Points?
The typical National Flood Insurance Program policy on single-family homes in Four Points costs $819 a year: the median of 117 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $595 and $1,068. 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 29, 2026.
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Before you rent or buy in Four Points
- 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 Four Points
Flood maps are only one part of choosing a neighborhood. To compare Four Points with other Tallahassee neighborhoods on more than flooding, see Tallahassee on StrollPlace.
Buyer and renter FAQ
Does Four Points flood?
Yes. Insured properties in and around Four Points have filed flood claims. About 19% of Four Points’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 71 claims from the Census block groups that cover Four Points, from 1983 through 2025. 52 of them received a payment, totaling $549,094 (not adjusted for inflation). The busiest years were 2001 (26 claims), 1994 (22 claims), 1991 (3 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Four Points in a flood zone?
About 19% of Four Points’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) 77%; AE 17%; X (shaded, 0.2% annual chance) 3.6%; A 2.6%. The FIRM panel(s) covering it took effect August 18, 2009.
Which streets in Four Points are in a high-risk flood zone?
Most of the length of E Orange Ave, Orange Ave E and Wahnish Way lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of State Hwy 363, Crossway Rd, Crawfordville Rd, Shelfer Rd, Ross Rd, Springsax Rd, Paul Russell Rd and Capital Cir SW does. Zones can change along a street, so check the exact address.
What ZIP code is Four Points in?
Four Points is in Tallahassee, FL. ZIP codes 32305, 32301 and 32304: 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 Four Points?
The typical NFIP flood insurance policy on single-family homes in Four Points cost $819 a year: the median of 117 policies that started between August 1, 2025 and July 31, 2026. Half cost between $595 and $1,068. 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 29, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Leon County (county code 12073), dataset as of September 8, 2026, retrieved October 29, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 120730011021, 120730018021, 120730011022, 120730010021. 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 29, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 29, 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.
- 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 29, 2026 (flood zones). Page last updated October 29, 2026.