Free tool · Tampa Bay ZIPs

FEMA Flood Zone Lookup

Enter a Tampa Bay ZIP and see the likely FEMA flood zone, typical Base Flood Elevation, insurance impact, and what you're allowed to build.

Look up your ZIP

This tool covers ZIPs in Hillsborough, Pinellas, Manatee, and Sarasota counties. For an authoritative national reading, use FEMA MSC.

Zone decoder

What the letters mean

VE — Coastal High Hazard

Wave action + storm surge zone. Most expensive to insure. Homes must be elevated on pilings; solid walls below BFE prohibited.

AE — 100-year flood

1% annual chance of flooding. Common along Tampa Bay canals. Insurance mandatory for federally-backed mortgages.

X — Low / moderate

Outside the 100-year floodplain. Insurance not mandatory but recommended — preferred-risk policies are cheap.

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This tool is educational and uses ZIP-level generalizations. Real flood determinations are done at the parcel level — use FEMA MSC or your insurance broker for authoritative results.