Flood history · Lutz, FL 33549
Flood insurance claims in Lutz, FL 33549
119 claims since 1979 and $774,477 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 33549 since 1978.
What the record says
72% of claims were on properties in high-risk zones and 28% outside them.
Losses are spread across many events; the largest, Hurricane Frances, accounts for 12% of claims.
19 claims were filed in the last 10 years.
The most commonly recorded cause is heavy rain or snowmelt collecting faster than it drains, which can happen far from any river or coast.
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 Frances | 2004 | 14 | 12% |
| Unnamed flooding | 1997 | 14 | 12% |
| Hurricane Milton | 2024 | 11 | 9% |
| Hurricane Irma | 2017 | 7 | 6% |
| The 'No-Name Storm' | 1982 | 2 | 2% |
| Hurricane Opal | 1995 | 1 | 1% |
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.