Tampa, FL Flood Zone Map

FEMA flood zone data for Tampa. The map below shows high-risk areas (FEMA Special Flood Hazard Areas) over local waterways and streets -- computed from the official FEMA National Flood Hazard Layer.

High risk
Moderate
Lower risk
Not mapped

FEMA flood zones for Tampa, FL. Data: FEMA NFHL + US Census TIGERweb.

Flood Zone Breakdown for Tampa

About 81% of the mapped area in Tampa falls within a FEMA Special Flood Hazard Area (high-risk or moderate-risk flood zone). The breakdown by zone:

VE 45% Zone VE
AE 30% Zone AE
A 5% Zone A
OPEN WATER 13% Zone OPEN WATER
X 7% Zone X

Where Flooding Comes From in Tampa

Coastal storm surge (Tampa Bay).

Dick Crk
Rocky Crk
Double Br
Sweetwater Crk
Hillsborough Riv
Channel H
Channel G
Channel A

Flood Zone Details for Tampa

Zone	Risk level	Area	Insurance
VE	Coastal high-hazard zone with wave action. This is the highest-risk designation -- expect storm surge plus breaking waves.	45%	Flood insurance is required for federally backed mortgages and is especially important here.
AE	High-risk riverine or coastal flood zone with a computed base flood elevation (BFE). About a 1-in-100 chance of flooding each year.	30%	Flood insurance is typically required for federally backed mortgages.
A	High-risk flood zone without a detailed BFE study. About a 1-in-100 chance of flooding each year.	5%	Flood insurance is typically required for federally backed mortgages.
OPEN WATER	Flood zone as mapped by FEMA.	13%	Consult your lender and local floodplain office.
X	Lower-risk zone outside the 1% annual chance flood boundary. Flooding is still possible but less likely than in high-risk zones.	7%	Flood insurance is not required but may still be a smart choice -- about 25% of flood claims come from lower-risk areas.

Learn More About the Zones in Tampa

Check YOUR Exact Address in Tampa

The map above shows the broad flood zone picture for Tampa. Your specific property may be in a different zone -- the only way to know for certain is to check your exact address.