Does Interbay - South of Gandy flood?
Interbay - South of Gandy, Tampa, FL · ZIP code 33611: the ZIP code on 88 of the 88 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Interbay - South of Gandy have filed flood claims. About 20% of Interbay - South of Gandy’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 88 claims from the Census block groups that cover Interbay - South of Gandy, from 1981 through 2024. 59 of them received a payment, totaling $3,118,971 (not adjusted for inflation). The busiest years were 2024 (35 claims), 2015 (13 claims), 2004 (9 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 Interbay - South of Gandy
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 Interbay - South of Gandy
The named streets in Interbay - South of Gandy, longest first, with how much of each street’s length inside Interbay - South of Gandy lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Interbay - South of Gandy; 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. 52 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| S Himes Ave | 2.0 mi | 5.2% | X (shaded, 0.2% annual chance) (82%) |
| S Sheridan Rd | 1.4 mi | 20% | X (shaded, 0.2% annual chance) (70%) |
| S Dale Mabry Hwy | 1.3 mi | 0.0% | X (shaded, 0.2% annual chance) (87%) |
| S 6th St | 1.2 mi | 3.5% | X (shaded, 0.2% annual chance) (89%) |
| Interbay Blvd | 4,860 ft | 0.0% | X (shaded, 0.2% annual chance) (50%) |
| S Sterling Ave | 4,570 ft | 3.9% | X (shaded, 0.2% annual chance) (96%) |
| Sherwood Ave | 4,270 ft | 0.0% | X (shaded, 0.2% annual chance) (88%) |
| W Pearl Ave | 4,080 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| W Paxton Ave | 4,080 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| W Ballast Point Blvd | 4,050 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| W Gandy Blvd | 4,050 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Cherokee Ave | 4,050 ft | 0.0% | X (shaded, 0.2% annual chance) (92%) |
| W Marlin Ave | 3,790 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| W Tyson Ave | 3,640 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| W Rogers Ave | 3,440 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| W Bay Ave | 3,390 ft | 0.0% | X (unshaded, minimal) (52%) |
| Price Ave | 3,230 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| W Marcum St | 3,180 ft | 95% | AE (95%) |
| W Van Buren Dr | 2,940 ft | 53% | AE (53%) |
| Paul Ave | 2,920 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Wallace Ave | 2,890 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| W Iowa Ave | 2,720 ft | 0.0% | X (shaded, 0.2% annual chance) (86%) |
| Ohio Ave | 2,720 ft | 0.0% | X (shaded, 0.2% annual chance) (81%) |
| W Wyoming Ave | 2,670 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| S Englewood Ave | 2,640 ft | 22% | X (shaded, 0.2% annual chance) (78%) |
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 Interbay - South of Gandy
Share of Interbay - South of Gandy’s mapped area (about 3.99 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 11 feet. Effective date of the FIRM panel(s) covering it (12057C0344J, 12057C0363J, 12057C0457J, 12057C0476J): October 7, 2021.
| FEMA zone | Share of area |
|---|---|
| X (shaded, 0.2% annual chance) | 65% |
| AE | 20% |
| X (unshaded, minimal) | 15% |
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 Interbay - South of Gandy. About 100% of the combined area of those block groups lies inside Interbay - South of Gandy. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1980s | 13 | $19,843 |
| 1990s | 5 | $4,242 |
| 2000s | 15 | $180,441 |
| 2010s | 18 | $480,558 |
| 2020s | 37 | $2,433,888 |
By year of loss
Named flood events with the most claims
- Hurricane Milton: 35 claims
- Flooding: 11 claims
- Hurricane Frances: 6 claims
- Hurricane Irma: 4 claims
- Hurricane Elena: 3 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- X/B/C (moderate or minimal): 70
- A/AE/AH/AO (high risk): 18
How much is flood insurance in Interbay - South of Gandy?
The typical National Flood Insurance Program policy on single-family homes in Interbay - South of Gandy costs $1,266 a year: the median of 549 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,086 and $1,675. 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 Interbay - South of Gandy
- 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 Interbay - South of Gandy
Flood maps are only one part of choosing a neighborhood. To compare Interbay - South of Gandy with other Tampa neighborhoods on more than flooding, see Tampa on StrollPlace.
Buyer and renter FAQ
Does Interbay - South of Gandy flood?
Yes. Insured properties in and around Interbay - South of Gandy have filed flood claims. About 20% of Interbay - South of Gandy’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 88 claims from the Census block groups that cover Interbay - South of Gandy, from 1981 through 2024. 59 of them received a payment, totaling $3,118,971 (not adjusted for inflation). The busiest years were 2024 (35 claims), 2015 (13 claims), 2004 (9 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Interbay - South of Gandy in a flood zone?
About 20% of Interbay - South of Gandy’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 (shaded, 0.2% annual chance) 65%; AE 20%; X (unshaded, minimal) 15%. The FIRM panel(s) covering it took effect October 7, 2021.
Which streets in Interbay - South of Gandy are in a high-risk flood zone?
Most of the length of W Marcum St and W Van Buren Dr lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of S Himes Ave, S Dale Mabry Hwy, S 6th St, Interbay Blvd, S Sterling Ave, Sherwood Ave, W Pearl Ave and W Paxton Ave does. Zones can change along a street, so check the exact address.
What ZIP code is Interbay - South of Gandy in?
Interbay - South of Gandy is in Tampa, FL. ZIP code 33611: the ZIP code on 88 of the 88 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 Interbay - South of Gandy?
The typical NFIP flood insurance policy on single-family homes in Interbay - South of Gandy cost $1,266 a year: the median of 549 policies that started between August 1, 2025 and July 31, 2026. Half cost between $1,086 and $1,675. 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 Ballast Point flood?
- Does Bayshore Beautiful flood?
- Does FairOaks Manhattan flood?
- Does Gandy Sun Bay flood?
- Southtown Park
- Does Bayside West 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: 120570068014 (99.8% of the block group is inside Interbay - South of Gandy), 120570068011 (100.0% of the block group is inside Interbay - South of Gandy), 120570068015 (99.9% of the block group is inside Interbay - South of Gandy), 120570068012 (99.9% of the block group is inside Interbay - South of Gandy), 120570069004 (99.9% of the block group is inside Interbay - South of Gandy), 120570069002 (99.7% of the block group is inside Interbay - South of Gandy), 120570069005 (100.0% of the block group is inside Interbay - South of Gandy), 120570068013 (100.0% of the block group is inside Interbay - South of Gandy). 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.