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Flood insurance cost · ZIP 33570 · FL

Flood insurance cost in ZIP 33570 (unincorporated Hillsborough County, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,531 home policies in force on August 31, 2026.

ZIP code 33570 (unincorporated Hillsborough County, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,530a year

Half of insured homes paid between $1,083 and $3,044. That is 32% more than the Hillsborough County median ($1,162). Most insured homes here are rated in zone AE (78%).

$0$1,083 · $1,530 · $3,044$3,805
+14.5% vs Aug 31, 2025 (median $1,336)
1,531home policies in force
$2,246average cost (mean)
79%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in ZIP code 33570

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$1,892$1,176–$3,650$2,5451,195 (78%)+8.9%
Zone X
Moderate to low risk		$1,120$943–$1,266$1,147325 (21%)+10.7%

Not shown (fewer than 10 home policies): VE, A, AO, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in ZIP code 33570, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,398$1,492$2,278
2–4 unit building24$3,352$3,170
Manufactured (mobile) home89$1,588$1,618
Condo or apartment unit20$1,372$1,670
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		19$5,221$10,912
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		74$2,823$3,910
1,624NFIP policies in force, any building
1,791insured units (condo association policies count every unit)
63%of home policies also cover contents
$82,000median contents coverage, when bought

One year on: ZIP code 33570

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force1,6661,531−8.1%
Median annual cost$1,336$1,530+14.5%
Average annual cost$1,995$2,246+12.6%
All policies in force (any building)2,2311,624−27.2%

Flood claims history

Since 1978, NFIP policyholders in ZIP 33570 have filed 1,173 flood claims. 1,017 received a payment, for a total of $49.9 million (an average of $49,091 per paid claim). The year with the most claims was 2024 (667 claims). Amounts are in dollars of the time, not adjusted for inflation.

020040060080019801982: 47 claims, 41 paid, $194,126 in total1985: 74 claims, 67 paid, $594,021 in total19901993: 94 claims, 83 paid, $928,151 in total19931996: 93 claims, 88 paid, $1,093,608 in total19962000: 17 claims, 11 paid, $39,971 in total20002001: 13 claims, 10 paid, $201,588 in total2004: 23 claims, 17 paid, $330,572 in total20102020: 17 claims, 12 paid, $529,264 in total20202023: 56 claims, 52 paid, $3,587,978 in total2024: 667 claims, 603 paid, $42,053,766 in total2024
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (10)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2024667603$42,053,766$69,741
20235652$3,587,978$69,000
20201712$529,264$44,105
20042317$330,572$19,445
20011310$201,588$20,159
20001711$39,971$3,634
19969388$1,093,608$12,427
19939483$928,151$11,183
19857467$594,021$8,866
19824741$194,126$4,735

From 2016 to 2026: 740 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

NFIP communities in this ZIP code

Unincorporated Hillsborough County (1,530 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.