Flood history / Florida / ZIP 33070
ZIP 33070
Monroe County, FL
Property owners in ZIP 33070 have been paid $14.5M on 836 National Flood Insurance Program claims between 1982 and 2025 — an average of $17K a claim, across 27 separate years in which someone here filed and was paid.
The heaviest year
2017 is the heaviest year on file: 354 paid claims, 42.3% 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 341 claims.
371 of those claims — 44.4% — were filed since 2017. This is not a historical record — most of it is recent.
| Named event | Paid claims | Share of record |
|---|---|---|
| Hurricane Irma | 341 | 40.8% |
| Hurricane Georges (Keys) | 184 | 22.0% |
| Hurricane Wilma | 142 | 17.0% |
Where the claims sat on the map
Of the 836 claims here that record a rated flood zone, 10 — 1.2% — 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 Plantation Key on Tavernier Creek (in MHHW) (0.5 mi), Tide Station at Sunset Cove, Key Largo on Buttonwood Sound (in MHHW) (7.9 mi) and Tide Station at the Southern Tip of Upper Matecumbe Key (in MHHW) (11.3 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 33070 →
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.