Does Palma Ceia West flood?
Palma Ceia West, Tampa, FL · ZIP code 33629: the ZIP code on 17 of the 17 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Palma Ceia West have filed flood claims. No part of Palma Ceia West’s mapped area is inside FEMA’s Special Flood Hazard Area on the current effective map; it is in Zone X. NFIP flood insurance records list 17 claims from the Census block groups that cover Palma Ceia West, from 1985 through 2024. 15 of them received a payment, totaling $283,517 (not adjusted for inflation). The busiest years were 2015 (7 claims), 2024 (3 claims), 2012 (2 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 Palma Ceia West
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 Palma Ceia West
The named streets in Palma Ceia West, longest first, with how much of each street’s length inside Palma Ceia West lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Palma Ceia West; 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.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| S Clark Ave | 3,980 ft | 0.0% | X (unshaded, minimal) (100%) |
| S Church Ave | 3,970 ft | 0.0% | X (unshaded, minimal) (100%) |
| S Grady Ave | 3,950 ft | 0.0% | X (unshaded, minimal) (100%) |
| Henderson Blvd | 3,770 ft | 0.0% | X (unshaded, minimal) (100%) |
| W San Miguel St | 3,370 ft | 0.0% | X (unshaded, minimal) (100%) |
| S Lois Ave | 3,120 ft | 0.0% | X (unshaded, minimal) (100%) |
| W San Rafael St | 3,080 ft | 0.0% | X (unshaded, minimal) (100%) |
| W San Carlos St | 2,750 ft | 0.0% | X (unshaded, minimal) (100%) |
| W Watrous Ave | 2,680 ft | 0.0% | X (unshaded, minimal) (100%) |
| W Neptune St | 2,670 ft | 0.0% | X (unshaded, minimal) (100%) |
| W Estrella St | 2,670 ft | 0.0% | X (unshaded, minimal) (100%) |
| W San Nicholas St | 2,670 ft | 0.0% | X (unshaded, minimal) (100%) |
| W Morrison Ave | 2,670 ft | 0.0% | X (unshaded, minimal) (100%) |
| W Angeles St | 2,010 ft | 0.0% | X (unshaded, minimal) (100%) |
| W Zelar St | 1,330 ft | 0.0% | X (unshaded, minimal) (100%) |
| W San Obispo St | 670 ft | 0.0% | X (unshaded, minimal) (100%) |
| S Richard Ave | 650 ft | 0.0% | X (unshaded, minimal) (100%) |
| S Cameron Ave | 650 ft | 0.0% | X (unshaded, minimal) (100%) |
| S Harold Ave | 620 ft | 0.0% | X (unshaded, minimal) (100%) |
| S Hale Ave | 610 ft | 0.0% | X (unshaded, minimal) (100%) |
| Thomas Pl | 550 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 Palma Ceia West
Share of Palma Ceia West’s mapped area (about 1.007 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 (12057C0342J): October 7, 2021.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 100% |
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 Palma Ceia West. About 66% of the combined area of those block groups lies inside Palma Ceia West, so the claim figures also reflect some nearby blocks. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1980s | 2 | $5,502 |
| 1990s | 1 | $0 |
| 2000s | 1 | $11,256 |
| 2010s | 10 | $76,721 |
| 2020s | 3 | $190,038 |
By year of loss
Named flood events with the most claims
- Hurricane Milton: 3 claims
- Hurricane Elena: 2 claims
- Hurricane Frances: 1 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- X/B/C (moderate or minimal): 17
How much is flood insurance in Palma Ceia West?
The typical National Flood Insurance Program policy on single-family homes in Palma Ceia West costs $1,083 a year: the median of 184 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,022 and $1,206. 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 Palma Ceia West
- 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 Palma Ceia West
Flood maps are only one part of choosing a neighborhood. To compare Palma Ceia West with other Tampa neighborhoods on more than flooding, see Tampa on StrollPlace.
Buyer and renter FAQ
Does Palma Ceia West flood?
Yes. Insured properties in and around Palma Ceia West have filed flood claims. No part of Palma Ceia West’s mapped area is inside FEMA’s Special Flood Hazard Area on the current effective map; it is in Zone X. NFIP flood insurance records list 17 claims from the Census block groups that cover Palma Ceia West, from 1985 through 2024. 15 of them received a payment, totaling $283,517 (not adjusted for inflation). The busiest years were 2015 (7 claims), 2024 (3 claims), 2012 (2 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Palma Ceia West in a flood zone?
No part of Palma Ceia West’s mapped area is inside FEMA’s Special Flood Hazard Area on the current effective map; it is in Zone X. Shares by zone: X (unshaded, minimal) 100%. The FIRM panel(s) covering it took effect October 7, 2021.
Which streets in Palma Ceia West 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 S Clark Ave, S Church Ave, S Grady Ave, Henderson Blvd, W San Miguel St, S Lois Ave, W San Rafael St and W San Carlos St does. Zones can change along a street, so check the exact address.
What ZIP code is Palma Ceia West in?
Palma Ceia West is in Tampa, FL. ZIP code 33629: the ZIP code on 17 of the 17 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 Palma Ceia West?
The typical NFIP flood insurance policy on single-family homes in Palma Ceia West cost $1,083 a year: the median of 184 policies that started between August 1, 2025 and July 31, 2026. Half cost between $1,022 and $1,206. 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 Beach Park flood?
- Culbreath Heights
- Does Palma Ceia flood?
- Swann Estates
- Does Virginia Park flood?
- Golfview
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: 120570058004 (55.4% of the block group is inside Palma Ceia West), 120570058005 (95.9% of the block group is inside Palma Ceia West), 120570058006 (52.8% of the block group is inside Palma Ceia West). 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.