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Flood insurance cost · ZIP 33611 · FL

Flood insurance cost in ZIP 33611 (Tampa, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 4,574 home policies in force on August 31, 2026.

ZIP code 33611 (Tampa, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,702a year

Half of insured homes paid between $1,240 and $2,851. That is 46% more than the Hillsborough County median ($1,162). Most insured homes here are rated in zone AE (76%).

$0$1,240 · $1,702 · $2,851$3,564
+15.8% vs Aug 31, 2025 (median $1,470)
4,574home policies in force
$2,181average cost (mean)
77%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 33611

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		$2,025$984–$3,520$2,87523 (1%)−0.1%
Zone AE
High risk		$2,109$1,375–$3,166$2,4623,481 (76%)+10.8%
Zone X
Moderate to low risk		$1,257$1,083–$1,269$1,2511,070 (23%)+16.4%

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 33611, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home4,259$1,722$2,237
2–4 unit building38$2,116$2,380
Manufactured (mobile) home60$2,022$2,123
Condo or apartment unit217$779$1,058
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.		163$10,703$12,312
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		122$4,541$6,084
4,859NFIP policies in force, any building
5,952insured units (condo association policies count every unit)
79%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 33611

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 force4,8724,574−6.1%
Median annual cost$1,470$1,702+15.8%
Average annual cost$1,962$2,181+11.2%
All policies in force (any building)5,4404,859−10.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 33611 have filed 1,856 flood claims. 1,450 received a payment, for a total of $102.4 million (an average of $70,647 per paid claim). The year with the most claims was 2024 (1,151 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 37 claims, 27 paid, $155,224 in total19801982: 24 claims, 20 paid, $36,670 in total1985: 71 claims, 49 paid, $316,819 in total1988: 88 claims, 57 paid, $224,086 in total198819901993: 11 claims1996: 40 claims, 32 paid, $259,032 in total1997: 33 claims, 22 paid, $63,513 in total1998: 24 claims, 12 paid, $20,461 in total20002004: 85 claims, 60 paid, $626,016 in total2006: 13 claims20102015: 134 claims, 101 paid, $2,822,593 in total20152017: 15 claims20202023: 12 claims2024: 1,151 claims, 999 paid, $97,251,381 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 (14)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20241,151999$97,251,381$97,349
202312<10––
201715<10––
2015134101$2,822,593$27,946
200613<10––
20048560$626,016$10,434
19982412$20,461$1,705
19973322$63,513$2,887
19964032$259,032$8,095
199311<10––
19888857$224,086$3,931
19857149$316,819$6,466
19822420$36,670$1,834
19793727$155,224$5,749

From 2016 to 2026: 1,178 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 (4,573 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.