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Flood insurance cost · ZIP 33606 · FL

Flood insurance cost in ZIP 33606 (Tampa, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,856 home policies in force on August 31, 2026.

ZIP code 33606 (Tampa, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$2,676a year

Half of insured homes paid between $1,261 and $5,224. That is 130% more than the Hillsborough County median ($1,162). Most insured homes here are rated in zone AE (77%).

$0$1,261 · $2,676 · $5,224$6,530
+12.8% vs Aug 31, 2025 (median $2,372)
1,856home policies in force
$3,428average cost (mean)
80%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 33606

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 VE / V
High risk, coastal		$5,943$3,819–$7,519$5,67153 (3%)+4.3%
Zone AE
High risk		$3,814$1,722–$5,680$3,9681,438 (77%)+7.5%
Zone X
Moderate to low risk		$994$766–$1,223$973365 (20%)+7.3%

Not shown (fewer than 10 home policies): 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 33606, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,712$2,946$3,549
2–4 unit building63$3,635$3,695
Condo or apartment unit81$599$642
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.		69$8,717$10,267
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		159$4,141$5,758

Not shown (fewer than 10 policies): manufactured (mobile) home.

2,084NFIP policies in force, any building
2,682insured units (condo association policies count every unit)
83%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 33606

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 force1,9651,856−5.5%
Median annual cost$2,372$2,676+12.8%
Average annual cost$3,116$3,428+10.0%
All policies in force (any building)2,3082,084−9.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 33606 have filed 1,496 flood claims. 1,230 received a payment, for a total of $142.2 million (an average of $115,570 per paid claim). The year with the most claims was 2024 (1,059 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 14 claims19801982: 27 claims, 16 paid, $33,315 in total1985: 115 claims, 71 paid, $462,846 in total19851988: 24 claims, 11 paid, $89,150 in total19901993: 28 claims1996: 36 claims, 23 paid, $308,453 in total1997: 14 claims20002004: 43 claims, 29 paid, $429,899 in total200420102015: 33 claims, 25 paid, $323,506 in total20202024: 1,059 claims, 989 paid, $140,071,898 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
20241,059989$140,071,898$141,630
20153325$323,506$12,940
20044329$429,899$14,824
199714<10––
19963623$308,453$13,411
199328<10––
19882411$89,150$8,105
198511571$462,846$6,519
19822716$33,315$2,082
197914<10––

From 2016 to 2026: 1,059 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

Tampa (1,856 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.