FloodMaps
Map of FEMA flood zones in Hillsborough CountyTap the map to explore

County · Flood risk

Check any address in Hillsborough County

Quick facts

Homes on the tax roll

452,236

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Oct 2021

First flood map 1980

Flood insurance discount

30% off

Hillsborough County, Community Rating System Class 4

Most flood claims in one storm

7,384

Hurricane Helene 2024, 6,701 paid

Homes with water, FEMA aid

10,503

Aid registrations reporting water inside, Hurricane Helene 2024

Sinkhole reports

618

3 confirmed by the state

Past storms in Hillsborough County

National Flood Insurance Program claims and FEMA aid registrations that reported water inside the home, for the whole county.

Flood claims and FEMA aid by storm in Hillsborough County
StormClaimsPaidAid, water inside
Hurricane Hermine 2016261512
Hurricane Irma 20173001582,252
Tropical Storm Eta 2020167130–
Hurricane Ian 20226719383
Hurricane Idalia 2023289254415
Hurricane Debby 202410366398
Hurricane Helene 20247,3846,70110,503
Hurricane Milton 20242,6152,0438,919

Frequently asked questions

Do I need flood insurance in Hillsborough County?

Lenders require flood insurance on a federally backed mortgage when the building is in one of FEMA's high-risk zones, the ones starting with A or V. The map that sets those zones in Hillsborough County took effect on October 7, 2021. Outside those zones insurance is optional, but claims come from moderate- and low-risk zones too, so it's worth checking the zone and the floor height of the exact home.

When was the FEMA flood map for Hillsborough County last updated?

The flood map in effect for Hillsborough County took effect on October 7, 2021. The county's first flood map dates to June 18, 1980.

Is there a flood insurance discount in Hillsborough County?

Hillsborough County is in FEMA's Community Rating System at Class 4, which takes 30% off National Flood Insurance Program premiums for policies inside the high-risk flood zone. Classes run from 10 to 1, and each step down adds 5% off.

Which storms flooded Hillsborough County the most?

By National Flood Insurance Program claims across Hillsborough County, the worst recent storms were Hurricane Helene 2024 (7,384 claims, 6,701 paid), Hurricane Milton 2024 (2,615 claims, 2,043 paid), and Hurricane Irma 2017 (300 claims, 158 paid). After Hurricane Helene 2024, 10,503 FEMA aid registrations in the county reported water inside the home. Claims only count insured homes, so the real number of flooded homes is higher.

Are there sinkholes in Hillsborough County?

The Florida Geological Survey has 618 subsidence reports on file for Hillsborough County, 3 of them confirmed as true sinkholes. Most reports were never verified, and a report near a home doesn't mean the ground under it is unstable. The full report lists the nearest ones.

Hillsborough County surrounds Tampa and the upper reaches of Tampa Bay, with the Hillsborough and Alafia rivers.

Hillsborough County has about 452,000 homes on the state tax roll. The FEMA flood map in effect for Hillsborough County took effect on October 7, 2021; the county's first flood map dates to 1980. The storm that left the most flood insurance claims in the county was Hurricane Helene 2024, with 7,384, followed by Hurricane Milton 2024 with 2,615. Hillsborough County is in FEMA's Community Rating System at Class 4, which takes 30% off National Flood Insurance Program premiums for policies inside the high-risk flood zone.

On the Gulf coast, the worst floods come from hurricane storm surge pushed into bays, canals, and river mouths, and from heavy rain that can't drain while the tide is high. The storms we track for the Tampa Bay area are Hurricane Hermine 2016, Hurricane Irma 2017, Tropical Storm Eta 2020, Hurricane Ian 2022, Hurricane Idalia 2023, Hurricane Debby 2024, Hurricane Helene 2024, and Hurricane Milton 2024.

Search any address in Hillsborough County for a free report: its FEMA flood zone and whether insurance is required, its risk level, and its floor height against the flood line. The full report adds a 0 to 100 risk score, the flood insurance cost, the home's record in each storm we track, and a PDF to share.

Compiled by FloodMaps from FEMA, state, and county records. Data dates: 2026 county tax roll (preliminary values); flood claims and FEMA aid for storms from 2016 through Hurricane Milton (October 2024); FEMA map dates and insurance discounts as of October 8, 2026.

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