Does Harbour Island flood?

Harbour Island, Tampa, FL · ZIP codes 33602 and 33601: 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 Harbour Island have filed flood claims. About 94% of Harbour Island’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). NFIP flood insurance records list 34 claims from the Census block groups that cover Harbour Island, from 1997 through 2024. 18 of them received a payment, totaling $3,051,718 (not adjusted for inflation). The busiest years were 2024 (16 claims), 2004 (4 claims), 2017 (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 and get flood insurance quotes before you sign a lease or a contract.

Check a specific address in Harbour Island

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 Harbour Island

The named streets in Harbour Island, longest first, with how much of each street’s length inside Harbour Island lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Harbour Island; 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. 4 shorter streets are not listed.

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 Harbour Island

Share of Harbour Island’s mapped area (about 0.753 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 11 to 13 feet. Effective date of the FIRM panel(s) covering it (12057C0354J, 12057C0362J): October 7, 2021.

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 Harbour Island. About 62% of the combined area of those block groups lies inside Harbour Island, so the claim figures also reflect some nearby blocks. 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 Harbour Island. Only insured properties appear, so these counts understate total flooding.

By decade

By year of loss

Named flood events with the most claims

• Hurricane Helene: 13 claims
• Hurricane Frances: 3 claims
• Hurricane Irma: 3 claims
• Hurricane Milton: 3 claims
• Hurricane Irene: 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): 31
• V/VE (coastal high hazard): 2
• X/B/C (moderate or minimal): 1

How much is flood insurance in Harbour Island?

The typical National Flood Insurance Program policy on single-family homes in Harbour Island costs $1,469 a year: the median of 415 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,152 and $2,621. 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 24, 2026.

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Before you rent or buy in Harbour Island

• 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 Harbour Island

Flood maps are only one part of choosing a neighborhood. To compare Harbour Island with other Tampa neighborhoods on more than flooding, see Tampa on StrollPlace.

Buyer and renter FAQ

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 Davis Islands flood?
• Channel District
• Does Hyde Park Spanish Creek flood?
• Downtown River Arts
• Palmetto Beach
• Does Hyde Park 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 24, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Hillsborough County (county code 12057), 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: 120570051022 (82.5% of the block group is inside Harbour Island), 120570051021 (57.0% of the block group is inside Harbour Island). 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

1. Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on October 24, 2026.
2. FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 24, 2026.
3. City of Tampa, Neighborhoods (open data, CC0).
4. U.S. Census Bureau TIGERweb, 2010 Census Block Groups.
5. FEMA Glossary: Flood Zones.
6. FloodSmart (NFIP): Buy a Flood Insurance Policy.
7. FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025).
8. 44 CFR 61.11, Effective date and time of coverage.
9. OpenFEMA Terms and Conditions.
10. FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3.
11. 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 24, 2026.