Flood history · Lutz, FL 33548
Flood insurance claims in Lutz, FL 33548
148 claims since 1979 and $2.0 million paid. Here's what the public record shows, and how to check a specific address.
Claims by year
Every NFIP flood insurance claim reported in ZIP 33548 since 1978.
What the record says
87% of claims were on properties in high-risk zones and 13% outside them.
Losses are spread across many events; the largest, Hurricane Elena, accounts for 33% of claims.
21 claims were filed in the last 10 years.
The most commonly recorded cause is tidal water overflow: coastal surge and high tides.
Hillsborough County* takes part in FEMA's Community Rating System (class 4), which can lower flood insurance premiums by up to 30% in high-risk zones.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Hurricane Elena | 1985 | 49 | 33% |
| The 'No-Name Storm' | 1982 | 35 | 24% |
| Hurricane Milton | 2024 | 13 | 9% |
| Unnamed flooding | 1988 | 7 | 5% |
| Hurricane Irma | 2017 | 4 | 3% |
| Hurricane Frances | 2004 | 3 | 2% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Hillsborough County
Flood, hurricane and storm declarations since 2000.
25 flood, storm or hurricane declarations for Hillsborough County since 2000.
Check a specific address in Lutz.
ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.
Sources: FEMA OpenFEMA NFIP Redacted Claims (v3) and Disaster Declarations Summaries, FEMA NFIP Community Status Book; place names from GeoNames (CC BY 4.0). Data as of 2026-10-09. Payments are net building + contents payments in dollars at the time paid, not adjusted for inflation. Claims are grouped by the ZIP code reported on the claim. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. Information only; not an official flood zone determination or insurance advice.