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Flood insurance cost · ZIP 33615 · FL

Flood insurance cost in ZIP 33615 (unincorporated Hillsborough County, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 5,186 home policies in force on August 31, 2026.

ZIP code 33615 (unincorporated Hillsborough County, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$2,158a year

Half of insured homes paid between $1,513 and $3,240. That is 86% more than the Hillsborough County median ($1,162). Most insured homes here are rated in zone AE (97%).

$0$1,513 · $2,158 · $3,240$4,050
+9.4% vs Aug 31, 2025 (median $1,973)
5,186home policies in force
$2,510average cost (mean)
97%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 33615

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		$2,207$1,577–$3,279$2,5495,025 (97%)+9.8%
Zone X
Moderate to low risk		$1,233$1,081–$1,267$1,219153 (3%)+15.2%

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 33615, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home4,925$2,201$2,551
2–4 unit building66$2,378$2,915
Manufactured (mobile) home57$1,948$1,915
Condo or apartment unit138$951$1,100
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.		336$5,474$7,973
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		227$5,275$6,798
5,749NFIP policies in force, any building
7,067insured units (condo association policies count every unit)
57%of home policies also cover contents
$68,000median contents coverage, when bought

One year on: ZIP code 33615

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 force5,3035,186−2.2%
Median annual cost$1,973$2,158+9.4%
Average annual cost$2,278$2,510+10.2%
All policies in force (any building)6,3875,749−10.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 33615 have filed 2,693 flood claims. 2,138 received a payment, for a total of $227.0 million (an average of $106,162 per paid claim). The year with the most claims was 2024 (1,940 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 41 claims, 27 paid, $33,016 in total19801982: 19 claims, 13 paid, $28,147 in total1985: 132 claims, 96 paid, $683,919 in total19851988: 39 claims, 12 paid, $11,873 in total19901993: 18 claims1995: 21 claims1996: 36 claims, 27 paid, $399,404 in total1997: 44 claims, 27 paid, $132,518 in total1998: 12 claims2000: 15 claims, 10 paid, $114,377 in total20002001: 19 claims2004: 71 claims, 51 paid, $828,827 in total200420102012: 33 claims, 14 paid, $119,510 in total2015: 46 claims, 19 paid, $342,914 in total2016: 25 claims2017: 25 claims2020: 19 claims, 15 paid, $532,214 in total20202021: 15 claims2022: 10 claims2023: 26 claims, 19 paid, $941,869 in total2024: 1,940 claims, 1,734 paid, $222,191,536 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 (21)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20241,9401,734$222,191,536$128,138
20232619$941,869$49,572
202210<10––
202115<10––
20201915$532,214$35,481
201725<10––
201625<10––
20154619$342,914$18,048
20123314$119,510$8,536
20047151$828,827$16,252
200119<10––
20001510$114,377$11,438
199812<10––
19974427$132,518$4,908
19963627$399,404$14,793
199521<10––
199318<10––
19883912$11,873$989
198513296$683,919$7,124
19821913$28,147$2,165
19794127$33,016$1,223

From 2016 to 2026: 2,060 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 (5,185 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.