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
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 6% 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. | 6% | Flood insurance is not required but may still be a smart choice -- nearly one-third of flood claims (29% over 2014-2024) 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.