Does Old Seminole Heights flood?
Old Seminole Heights, Tampa, FL · ZIP codes 33604 and 33610: 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 Old Seminole Heights have filed flood claims. About 11% of Old Seminole Heights’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 126 claims from the Census block groups that cover Old Seminole Heights, from 1979 through 2026. 103 of them received a payment, totaling $6,376,049 (not adjusted for inflation). The busiest years were 2024 (61 claims), 1982 (11 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 Old Seminole Heights
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 Old Seminole Heights
The named streets in Old Seminole Heights, longest first, with how much of each street’s length inside Old Seminole Heights lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Old Seminole Heights; 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. 124 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| State Hwy 93 | 3.4 mi | 0.5% | X (unshaded, minimal) (100%) |
| N Florida Ave | 2.7 mi | 0.8% | X (unshaded, minimal) (98%) |
| N Central Ave | 2.6 mi | 0.0% | X (unshaded, minimal) (100%) |
| N Branch Ave | 2.2 mi | 1.0% | X (unshaded, minimal) (99%) |
| E Sligh Ave | 2.0 mi | 0.0% | X (unshaded, minimal) (100%) |
| N Highland Ave | 1.8 mi | 3.2% | X (unshaded, minimal) (97%) |
| N Suwanee Ave | 1.3 mi | 0.0% | X (unshaded, minimal) (100%) |
| E Diana St | 1.3 mi | 0.0% | X (unshaded, minimal) (100%) |
| N Nebraska Ave | 1.3 mi | 3.6% | X (unshaded, minimal) (93%) |
| E Jean St | 1.3 mi | 0.0% | X (unshaded, minimal) (100%) |
| E Flora St | 1.2 mi | 0.0% | X (unshaded, minimal) (99%) |
| E Knollwood St | 1.2 mi | 0.0% | X (unshaded, minimal) (100%) |
| E Lambright St | 1.2 mi | 0.0% | X (unshaded, minimal) (100%) |
| E Broad St | 1.1 mi | 4.2% | X (unshaded, minimal) (95%) |
| N 15th St | 1.1 mi | 0.7% | X (unshaded, minimal) (97%) |
| N 20th St | 1.1 mi | 0.0% | X (unshaded, minimal) (100%) |
| E Hamilton Ave | 1.1 mi | 0.0% | X (unshaded, minimal) (92%) |
| E North St | 1.1 mi | 0.0% | X (unshaded, minimal) (100%) |
| N Ola Ave | 1.1 mi | 36% | X (unshaded, minimal) (46%) |
| E Hanna Ave | 1.0 mi | 0.0% | X (unshaded, minimal) (100%) |
| N 17th St | 1.0 mi | 0.0% | X (unshaded, minimal) (100%) |
| N 19th St | 5,150 ft | 0.0% | X (unshaded, minimal) (98%) |
| N 12th St | 5,110 ft | 2.0% | X (unshaded, minimal) (98%) |
| E Idlewild Ave | 5,050 ft | 0.0% | X (unshaded, minimal) (100%) |
| E Comanche Ave | 5,000 ft | 0.0% | X (unshaded, minimal) (100%) |
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 Old Seminole Heights
Share of Old Seminole Heights’s mapped area (about 10.572 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 12 feet. Effective date of the FIRM panel(s) covering it (12057C0213J, 12057C0214J, 12057C0218J, 12057C0351J, 12057C0352J, 12057C0360H): August 28, 2008, October 7, 2021.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 87% |
| AE | 11% |
| X (shaded, 0.2% annual chance) | 1.5% |
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 Old Seminole Heights. About 90% of the combined area of those block groups lies inside Old Seminole Heights. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1970s | 1 | $300 |
| 1980s | 24 | $139,777 |
| 1990s | 19 | $104,311 |
| 2000s | 11 | $129,423 |
| 2010s | 6 | $56,601 |
| 2020s | 65 | $5,945,637 |
By year of loss
Named flood events with the most claims
- Hurricane Helene: 55 claims
- Hurricane Elena: 9 claims
- The 'No-Name Storm': 8 claims
- Blizzard of 1993: 7 claims
- Hurricane Josephine: 7 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 101
- X/B/C (moderate or minimal): 23
- V/VE (coastal high hazard): 1
- Not reported: 1
How much is flood insurance in Old Seminole Heights?
The typical National Flood Insurance Program policy on single-family homes in Old Seminole Heights costs $1,211 a year: the median of 329 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $786 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 Old Seminole Heights
- 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 Old Seminole Heights
Flood maps are only one part of choosing a neighborhood. To compare Old Seminole Heights with other Tampa neighborhoods on more than flooding, see Tampa on StrollPlace.
Buyer and renter FAQ
Does Old Seminole Heights flood?
Yes. Insured properties in and around Old Seminole Heights have filed flood claims. About 11% of Old Seminole Heights’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 126 claims from the Census block groups that cover Old Seminole Heights, from 1979 through 2026. 103 of them received a payment, totaling $6,376,049 (not adjusted for inflation). The busiest years were 2024 (61 claims), 1982 (11 claims), 2004 (9 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Old Seminole Heights in a flood zone?
About 11% of Old Seminole Heights’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) 87%; AE 11%; X (shaded, 0.2% annual chance) 1.5%. The FIRM panel(s) covering it took effect August 28, 2008, October 7, 2021.
Which streets in Old Seminole Heights 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 State Hwy 93, N Florida Ave, N Central Ave, N Branch Ave, E Sligh Ave, N Highland Ave, N Suwanee Ave and E Diana St does. Zones can change along a street, so check the exact address.
What ZIP code is Old Seminole Heights in?
Old Seminole Heights is in Tampa, FL. ZIP codes 33604 and 33610: 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 Old Seminole Heights?
The typical NFIP flood insurance policy on single-family homes in Old Seminole Heights cost $1,211 a year: the median of 329 policies that started between August 1, 2025 and July 31, 2026. Half cost between $786 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
- East Seminole Heights
- East Tampa 1
- Hampton Terrace HTCA
- Historic Belmont Heights
- Does Lowry Park Central flood?
- Does Riverbend 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: 120570011003 (99.1% of the block group is inside Old Seminole Heights), 120570012003 (98.9% of the block group is inside Old Seminole Heights), 120570011002 (100.0% of the block group is inside Old Seminole Heights), 120570017001 (76.9% of the block group is inside Old Seminole Heights), 120570017003 (99.9% of the block group is inside Old Seminole Heights), 120570017005 (99.9% of the block group is inside Old Seminole Heights), 120570017002 (94.9% of the block group is inside Old Seminole Heights), 120570015003 (99.8% of the block group is inside Old Seminole Heights), 120570012002 (99.2% of the block group is inside Old Seminole Heights), 120570012001 (99.7% of the block group is inside Old Seminole Heights), 120570015001 (96.8% of the block group is inside Old Seminole Heights), 120570015002 (100.0% of the block group is inside Old Seminole Heights), 120570016001 (100.0% of the block group is inside Old Seminole Heights), 120570016002 (100.0% of the block group is inside Old Seminole Heights), 120570011001 (100.0% of the block group is inside Old Seminole Heights), 120570016003 (99.9% of the block group is inside Old Seminole Heights), 120570022001 (55.6% of the block group is inside Old Seminole Heights), 120570022002 (78.8% of the block group is inside Old Seminole Heights), 120570022003 (67.3% of the block group is inside Old Seminole Heights), 120570010011 (74.9% of the block group is inside Old Seminole Heights). 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.