Short Answer
Zone AE is a Special Flood Hazard Area subject to rising water (stillwater flooding), while Zone VE is a Coastal High Hazard Area subject to wave action and velocity flooding. Zone VE properties typically have higher insurance rates and stricter building requirements.
Zone AE is a Special Flood Hazard Area subject to rising water (stillwater flooding), while Zone VE is a Coastal High Hazard Area subject to wave action and velocity flooding. Zone VE properties typically have higher insurance rates and stricter building requirements.
If you have a specific situation or property in mind, I encourage you to reach out directly. Every real estate transaction in the Florida Keys has unique factors, and a conversation is the best way to get the precise guidance you need. My team and I are here to help you navigate the process with confidence.
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Steve's Advice
Steve Conley
Principal, Conley Sales Group at COMPASS
Zone AE means moderate to high flood risk with a defined Base Flood Elevation. Zone VE adds velocity wave action -- meaning your home must be elevated on open pilings. VE zones typically have higher insurance costs and stricter building requirements. Know the difference before you buy.
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