Does Riverbend flood?
Riverbend, Tampa, FL · ZIP codes 33604, 33603 and 33605: 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 Riverbend have filed flood claims. About 16% of Riverbend’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 25 claims from the Census block groups that cover Riverbend, from 1979 through 2024. 15 of them received a payment, totaling $550,109 (not adjusted for inflation). The busiest years were 2024 (9 claims), 1981 (2 claims), 1982 (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 Riverbend
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 Riverbend
The named streets in Riverbend, longest first, with how much of each street’s length inside Riverbend lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Riverbend; 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. 6 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| N Rome Ave | 1.0 mi | 0.0% | X (unshaded, minimal) (100%) |
| W Sligh Ave | 5,010 ft | 4.8% | X (unshaded, minimal) (93%) |
| N River Shore Dr | 4,000 ft | 93% | AE (93%) |
| Alicia Ave | 3,790 ft | 17% | X (shaded, 0.2% annual chance) (59%) |
| W Hiawatha St | 3,660 ft | 6.6% | X (unshaded, minimal) (90%) |
| W Mohawk Ave | 2,790 ft | 17% | X (unshaded, minimal) (73%) |
| W Knollwood St | 2,680 ft | 0.0% | X (unshaded, minimal) (100%) |
| N Orleans Ave | 2,390 ft | 5.5% | X (unshaded, minimal) (87%) |
| W Comanche Ave | 2,370 ft | 0.0% | X (unshaded, minimal) (100%) |
| W Rio Vista Ave | 2,220 ft | 4.8% | X (unshaded, minimal) (95%) |
| N Fremont Ave | 2,100 ft | 0.0% | X (unshaded, minimal) (100%) |
| W Powhatan Ave | 2,090 ft | 6.0% | X (unshaded, minimal) (91%) |
| W Jean St | 1,970 ft | 3.3% | X (unshaded, minimal) (88%) |
| W Lambright St | 1,780 ft | 0.0% | X (unshaded, minimal) (89%) |
| N Willow Ave | 1,770 ft | 0.0% | X (unshaded, minimal) (100%) |
| W Burke St | 1,670 ft | 0.0% | X (unshaded, minimal) (94%) |
| N Packwood Ave | 1,640 ft | 0.0% | X (unshaded, minimal) (100%) |
| W Hanna Ave | 1,630 ft | 8.7% | X (unshaded, minimal) (86%) |
| N Albany Ave | 1,460 ft | 0.0% | X (unshaded, minimal) (100%) |
| N McKay Ave | 1,420 ft | 0.0% | X (unshaded, minimal) (90%) |
| N Blvd | 1,420 ft | 7.1% | X (unshaded, minimal) (87%) |
| N Adah Ave | 1,360 ft | 32% | X (unshaded, minimal) (50%) |
| W North St | 1,360 ft | 0.0% | X (unshaded, minimal) (100%) |
| W Clifton St | 1,340 ft | 0.0% | X (unshaded, minimal) (100%) |
| W Henry Ave | 1,340 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 24, 2026. Each street is clipped to the neighborhood boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Riverbend
Share of Riverbend’s mapped area (about 1.79 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, 12057C0351J, 12057C0352J): October 7, 2021.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 79% |
| AE | 16% |
| X (shaded, 0.2% annual chance) | 4.6% |
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 Riverbend. About 73% of the combined area of those block groups lies inside Riverbend, so the claim figures also reflect some nearby blocks. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1970s | 1 | $0 |
| 1980s | 9 | $18,841 |
| 1990s | 2 | $17,131 |
| 2000s | 1 | $34,864 |
| 2010s | 1 | $0 |
| 2020s | 11 | $479,273 |
By year of loss
Named flood events with the most claims
- Hurricane Helene: 7 claims
- Hurricane Milton: 2 claims
- Hurricane Eta: 2 claims
- Flooding: 2 claims
- Hurricane Frances: 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): 15
- X/B/C (moderate or minimal): 7
- Not reported: 3
How much is flood insurance in Riverbend?
The typical National Flood Insurance Program policy on single-family homes in Riverbend costs $1,170 a year: the median of 48 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $754 and $1,846. 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 Riverbend
- 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 Riverbend
Flood maps are only one part of choosing a neighborhood. To compare Riverbend with other Tampa neighborhoods on more than flooding, see Tampa on StrollPlace.
Buyer and renter FAQ
Does Riverbend flood?
Yes. Insured properties in and around Riverbend have filed flood claims. About 16% of Riverbend’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 25 claims from the Census block groups that cover Riverbend, from 1979 through 2024. 15 of them received a payment, totaling $550,109 (not adjusted for inflation). The busiest years were 2024 (9 claims), 1981 (2 claims), 1982 (2 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Riverbend in a flood zone?
About 16% of Riverbend’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) 79%; AE 16%; X (shaded, 0.2% annual chance) 4.6%. The FIRM panel(s) covering it took effect October 7, 2021.
Which streets in Riverbend are in a high-risk flood zone?
Most of the length of N River Shore Dr lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of N Rome Ave, W Sligh Ave, W Hiawatha St, W Knollwood St, N Orleans Ave, W Comanche Ave, W Rio Vista Ave and N Fremont Ave does. Zones can change along a street, so check the exact address.
What ZIP code is Riverbend in?
Riverbend is in Tampa, FL. ZIP codes 33604, 33603 and 33605: 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 Riverbend?
The typical NFIP flood insurance policy on single-family homes in Riverbend cost $1,170 a year: the median of 48 policies that started between August 1, 2025 and July 31, 2026. Half cost between $754 and $1,846. 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
- Armenia Gardens Estates
- Armenia Terrace | Bour Lands | Al Dana Park
- Does Lowry Park Central flood?
- Does Old Seminole Heights flood?
- Does South Seminole Heights flood?
- Does Wellswood 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: 120570014003 (53.3% of the block group is inside Riverbend), 120570014004 (73.8% of the block group is inside Riverbend), 120570014001 (76.9% of the block group is inside Riverbend), 120570014002 (76.1% of the block group is inside Riverbend). 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 24, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 24, 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 24, 2026 (flood zones). Page last updated October 27, 2026.