What flood zone am I in for my Keys property?

By Steve Conley

Short Answer

Your flood zone is determined by FEMA flood maps and indicates the level of flood risk for your property. Most Keys properties are in Zone AE or Zone VE. Your specific designation affects insurance requirements and costs.

Steve's Advice

Steve Conley

Principal, Conley Sales Group at COMPASS

Every property in the Keys falls within a FEMA flood zone. Zone VE (coastal high hazard) and Zone AE are the most common. Your flood zone directly affects your insurance costs and building requirements. I always check the flood zone before recommending a property to my buyers.

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More questions in Flood Insurance & FEMA

How much does flood insurance cost in the Florida Keys? How much does flood insurance cost in the Florida Keys? What is a FEMA elevation certificate? Can I get cheaper flood insurance if my home is elevated? What is the difference between Zone AE and Zone VE? Do I need flood insurance if I pay cash for my home? How does flood insurance affect my monthly payment? What is the National Flood Insurance Program? Can I shop for private flood insurance in the Keys? How do flood zones change over time? What Flood Zone Is My Florida Keys Property In? Can the New Florida Keys Flood Maps Change What I Can Build? Insurance Requirements for Coastal Properties in the Florida Keys

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