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Flood insurance cost · ZIP 33629 · FL

Flood insurance cost in ZIP 33629 (Tampa, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,706 home policies in force on August 31, 2026.

ZIP code 33629 (Tampa, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,282a year

Half of insured homes paid between $1,083 and $3,077. That is 10% more than the Hillsborough County median ($1,162). Most insured homes here are rated in zone AE (57%).

$0$1,083 · $1,282 · $3,077$3,846
+12.2% vs Aug 31, 2025 (median $1,143)
3,706home policies in force
$2,380average cost (mean)
58%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 33629

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		$3,566$1,720–$5,748$4,20330 (1%)−7.7%
Zone AE
High risk		$2,611$1,417–$4,825$3,2892,117 (57%)+16.9%
Zone X
Moderate to low risk		$1,084$995–$1,237$1,1111,559 (42%)+9.7%

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 33629, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,580$1,335$2,424
2–4 unit building30$1,312$1,613
Condo or apartment unit96$936$957
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.		38$9,408$11,556
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		104$3,161$4,896

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

3,848NFIP policies in force, any building
5,043insured units (condo association policies count every unit)
89%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 33629

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 force3,9623,706−6.5%
Median annual cost$1,143$1,282+12.2%
Average annual cost$2,129$2,380+11.8%
All policies in force (any building)4,2113,848−8.6%

Flood claims history

Since 1978, NFIP policyholders in ZIP 33629 have filed 2,620 flood claims. 2,213 received a payment, for a total of $193.2 million (an average of $87,310 per paid claim). The year with the most claims was 2024 (1,130 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 56 claims, 42 paid, $70,746 in total19801982: 65 claims, 47 paid, $190,590 in total1985: 384 claims, 333 paid, $6,623,054 in total19851988: 53 claims, 26 paid, $56,312 in total19901993: 110 claims, 61 paid, $802,871 in total1996: 249 claims, 230 paid, $5,664,263 in total19961997: 19 claims1998: 13 claims2000: 15 claims20002004: 128 claims, 112 paid, $2,698,055 in total20102012: 19 claims, 13 paid, $193,498 in total2015: 121 claims, 98 paid, $2,291,040 in total2020: 55 claims, 53 paid, $3,848,975 in total20202023: 110 claims, 100 paid, $10,773,604 in total2024: 1,130 claims, 1,042 paid, $159,453,347 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 (15)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20241,1301,042$159,453,347$153,026
2023110100$10,773,604$107,736
20205553$3,848,975$72,622
201512198$2,291,040$23,378
20121913$193,498$14,884
2004128112$2,698,055$24,090
200015<10––
199813<10––
199719<10––
1996249230$5,664,263$24,627
199311061$802,871$13,162
19885326$56,312$2,166
1985384333$6,623,054$19,889
19826547$190,590$4,055
19795642$70,746$1,684

From 2016 to 2026: 1,295 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 (3,706 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.