Does Gandy Sun Bay flood?
Gandy Sun Bay, Tampa, FL · ZIP codes 33616 and 33611: 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 Gandy Sun Bay have filed flood claims. About 62% of Gandy Sun Bay’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 340 claims from the Census block groups that cover Gandy Sun Bay, from 1979 through 2026. 250 of them received a payment, totaling $16,891,142 (not adjusted for inflation). The busiest years were 2024 (212 claims), 2015 (16 claims), 2004 (14 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 and get flood insurance quotes before you sign a lease or a contract.
Check a specific address in Gandy Sun Bay
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 Gandy Sun Bay
The named streets in Gandy Sun Bay, longest first, with how much of each street’s length inside Gandy Sun Bay lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Gandy Sun Bay; 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. 54 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| W Tyson Ave | 2.0 mi | 66% | AE (66%) |
| S Manhattan Ave | 2.0 mi | 64% | AE (64%) |
| S Lois Ave | 1.9 mi | 48% | X (shaded, 0.2% annual chance) (52%) |
| S West Shore Blvd | 1.5 mi | 100% | AE (100%) |
| W Gandy Blvd | 1.3 mi | 79% | AE (79%) |
| W Pearl Ave | 1.3 mi | 42% | X (shaded, 0.2% annual chance) (58%) |
| W Iowa Ave | 1.3 mi | 58% | AE (58%) |
| W Bay Ave | 1.2 mi | 72% | AE (72%) |
| Ohio Ave | 1.1 mi | 73% | AE (73%) |
| W Wisconsin Ave | 1.1 mi | 70% | AE (70%) |
| S Clark Ave | 1.1 mi | 48% | X (shaded, 0.2% annual chance) (52%) |
| W Leila Ave | 5,280 ft | 52% | AE (52%) |
| S Trask St | 5,110 ft | 100% | AE (100%) |
| Yeats Manor Dr | 4,980 ft | 100% | AE (100%) |
| Interbay Blvd | 4,730 ft | 58% | AE (58%) |
| S Grady Ave | 4,650 ft | 19% | X (shaded, 0.2% annual chance) (81%) |
| S Dale Mabry Hwy | 4,080 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| W Paxton Ave | 3,730 ft | 62% | AE (62%) |
| S Renellie Dr | 3,710 ft | 100% | AE (100%) |
| W McElroy Ave | 3,710 ft | 100% | AE (100%) |
| Mc Elroy Ave | 3,710 ft | 100% | AE (100%) |
| Price Ave | 3,660 ft | 100% | AE (100%) |
| Mango Ave | 3,610 ft | 32% | X (shaded, 0.2% annual chance) (68%) |
| W Oklahoma Ave | 3,550 ft | 90% | AE (90%) |
| W Fairview Hts | 3,430 ft | 89% | AE (89%) |
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 Gandy Sun Bay
Share of Gandy Sun Bay’s mapped area (about 7.338 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 15 feet. Effective date of the FIRM panel(s) covering it (12057C0343J, 12057C0344J, 12057C0456J, 12057C0457J): October 7, 2021.
| FEMA zone | Share of area |
|---|---|
| AE | 61% |
| X (shaded, 0.2% annual chance) | 37% |
| VE | 1.2% |
| X (unshaded, minimal) | 1.1% |
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 Gandy Sun Bay. About 89% of the combined area of those block groups lies inside Gandy Sun Bay. Several of these block groups extend over open water, which the Census includes in block-group boundaries; counting land only (Census land and water areas), about 100% lies inside Gandy Sun Bay. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1970s | 10 | $2,360 |
| 1980s | 31 | $58,076 |
| 1990s | 23 | $53,649 |
| 2000s | 24 | $51,555 |
| 2010s | 32 | $223,755 |
| 2020s | 220 | $16,501,747 |
By year of loss
Named flood events with the most claims
- Hurricane Helene: 144 claims
- Hurricane Milton: 63 claims
- Flooding: 28 claims
- Hurricane Elena: 11 claims
- Hurricane Frances: 9 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 285
- X/B/C (moderate or minimal): 44
- Not reported: 10
- V/VE (coastal high hazard): 1
How much is flood insurance in Gandy Sun Bay?
The typical National Flood Insurance Program policy on single-family homes in Gandy Sun Bay costs $1,816 a year: the median of 1,336 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,259 and $2,929. 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 Gandy Sun Bay
- 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 Tampa mover check.
Living in Gandy Sun Bay
Flood maps are only one part of choosing a neighborhood. To compare Gandy Sun Bay with other Tampa neighborhoods on more than flooding, see Tampa on StrollPlace.
Buyer and renter FAQ
Does Gandy Sun Bay flood?
Yes. Insured properties in and around Gandy Sun Bay have filed flood claims. About 62% of Gandy Sun Bay’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 340 claims from the Census block groups that cover Gandy Sun Bay, from 1979 through 2026. 250 of them received a payment, totaling $16,891,142 (not adjusted for inflation). The busiest years were 2024 (212 claims), 2015 (16 claims), 2004 (14 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Gandy Sun Bay in a flood zone?
About 62% of Gandy Sun Bay’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). Shares by zone: AE 61%; X (shaded, 0.2% annual chance) 37%; VE 1.2%; X (unshaded, minimal) 1.1%. The FIRM panel(s) covering it took effect October 7, 2021.
Which streets in Gandy Sun Bay are in a high-risk flood zone?
Most of the length of W Tyson Ave, S Manhattan Ave, S West Shore Blvd, W Gandy Blvd, W Iowa Ave, W Bay Ave, Ohio Ave, W Wisconsin Ave, W Leila Ave, S Trask St, Yeats Manor Dr and Interbay Blvd lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of S Dale Mabry Hwy does. Zones can change along a street, so check the exact address.
What ZIP code is Gandy Sun Bay in?
Gandy Sun Bay is in Tampa, FL. ZIP codes 33616 and 33611: 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 Gandy Sun Bay?
The typical NFIP flood insurance policy on single-family homes in Gandy Sun Bay cost $1,816 a year: the median of 1,336 policies that started between August 1, 2025 and July 31, 2026. Half cost between $1,259 and $2,929. 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 Bayside West flood?
- Does FairOaks Manhattan flood?
- Does Interbay - South of Gandy flood?
- Does Port Tampa flood?
- Southtown Park
- Does Bayshore Beautiful flood?
How these numbers were made
Neighborhood boundary: City of Tampa, Neighborhoods (open data, CC0). 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 Hillsborough County (county code 12057), 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: 120570070014 (100.0% of the block group is inside Gandy Sun Bay), 120570071032 (100.0% of the block group is inside Gandy Sun Bay), 120570070013 (100.0% of the block group is inside Gandy Sun Bay), 120570071033 (100.0% of the block group is inside Gandy Sun Bay), 120570071031 (100.0% of the block group is inside Gandy Sun Bay), 120570071023 (44.3% of the block group is inside Gandy Sun Bay), 120570070012 (100.0% of the block group is inside Gandy Sun Bay), 120570070011 (99.9% of the block group is inside Gandy Sun Bay), 120570071022 (64.6% of the block group is inside Gandy Sun Bay), 120570071021 (70.2% of the block group is inside Gandy Sun Bay), 120570070022 (100.0% of the block group is inside Gandy Sun Bay), 120570070021 (99.9% of the block group is inside Gandy Sun Bay), 120570070023 (99.9% of the block group is inside Gandy Sun Bay). 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 Tampa, Neighborhoods (open data, CC0).
- 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.