Flood history / Florida / ZIP 33001
ZIP 33001
Monroe County, FL
Property owners in ZIP 33001 have been paid $6.6M on 274 National Flood Insurance Program claims between 1993 and 2017 — an average of $24K a claim, across 7 separate years in which someone here filed and was paid.
The heaviest year
2017 is the heaviest year on file: 119 paid claims, 43.4% of the ZIP's total. That one year accounts for more than a quarter of the ZIP's entire record. The largest named event in the record is Hurricane Irma, with 116 claims.
119 of those claims — 43.4% — were filed since 2017. This is not a historical record — most of it is recent.
| Named event | Paid claims | Share of record |
|---|---|---|
| Hurricane Irma | 116 | 42.3% |
| Hurricane Wilma | 92 | 33.6% |
| Hurricane Georges (Keys) | 38 | 13.9% |
Where the claims sat on the map
Of the 274 claims here that record a rated flood zone, 0 — 0.0% — were on properties rated outside the mapped high-risk area, in a B, C or X zone. Claims here concentrate inside the mapped high-risk area, which is what the maps intend. Flood insurance is not required outside the high-risk zone, and most properties there do not carry it — so these counts come from the minority who did.
The water near this ZIP
The closest gauges publishing official flood thresholds are Tide Station at Long Key near Long Key Bight (in MHHW) (1.1 mi), Tide Station at Grassy Key on Toms Harbor Channel (in MHHW) (8.7 mi) and Tide Station at the Southern Tip of Upper Matecumbe Key (in MHHW) (9.9 mi). A gauge describes one point on one river — it will not see street drainage, sewer backup, storm surge or flash flooding.
Read current gauge conditions for 33001 →
What this does not say
These are paid National Flood Insurance Program claims, nothing more. They count insured properties whose owners filed and were paid, so they are a floor on how often this ZIP has flooded — never a measure of how likely it is to flood next. Uninsured flooding leaves no trace here at all.
The figures are aggregates published by FEMA. No individual claim, address or policyholder appears on this page or in the data behind it. Nothing here is a forecast, a warning, or advice about insurance.