The Florida Keys, Monroe County, Florida
Pretty much all areas of Monroe County - The Florida Keys are in a Flood Zone. Determining flood risk is based on the elevation of the property and other variables surrounding the land. Flood Maps are used to determine which Flood Zones are associated with a particular property. These zones may vary on any particular site.
Provided by FloodSmart.gov
In high-risk areas, there is at least a 1 in 4 chance of flooding during a 30-year mortgage. All home and business owners in these areas with mortgages from federally regulated or insured lenders are required to buy flood insurance. They are shown on the flood maps as zones labeled with the letters A or V.
In moderate-to-low risk areas, the risk of being flooded is reduced but not completely removed. These areas submit over 20% of NFIP claims and receive one-third of disaster assistance for flooding. Flood insurance isn’t federally required in moderate-to-low areas, but it is recommended for all property owners and renters. They are shown on flood mapsas zones labeled with the letters B, C or X (or a shaded X).
No flood-hazard analysis has been conducted in these areas, but a flood risk still exists. Flood insurance rates reflect the uncertainty of the flood risk. These areas are labeled with the letter D on the flood maps.
Provided by Monroe County, Florida
Monroe County encourages inquiries from lenders, real estate representatives, insurance agents, and property owners to request flood information before buying or selling land in the county. All of Monroe County is identified as a coastal floodplain and may be subject to flooding.
Structures Below Base Flood Elevation
Monroe County enforces Monroe County Code Chapter 122 - Floodplain Management. Structures built after December 31, 1974, must have the lowest floor elevated to or above the base flood elevation. The owner or purchaser of a structure with habitable space below the base flood elevation may be faced with significant unforeseen expenses.
Legally permitted enclosures below the base flood elevation are for limited storage and parking only. Limited storage means storage of lawn mowers, rakes, wheelbarrows, and similar pieces of equipment that are normally stored outside. Limited storage does not apply to household furnishings, workbenches, freezers, refrigerators, or other items subject to damage if exposed to salt water. If you are purchasing a home with a finished enclosure below the base flood elevation, it may not be permitted construction and may be subject to enforcement proceedings.
National Flood Insurance Program
Monroe County is participating in the National Flood Insurance Program's (NFIP) flood inspection procedure. The process began in March of 2002. All structures that have opaque wall enclosures below base flood elevation that are insured under the NFIP are subject to this inspection process. Inspections began with the most current enclosures and will work back to the effective date of Monroe County’s participation in the NFIP, which was January 1, 1975.
For More Information
Contact the Monroe County floodplain management office at (305) 289-2518 for the latest information regarding the insurance inspection program, flood elevations, restrictions on development, and the permitting requirements for construction below base flood elevation.