Know Your Flood Risk

Our Community’s Flood Hazard, What Prospective Property Owners Should Know

Monroe County’s Situation

Flooding, to some degree, is a way of life in the Florida Keys. In some areas, minor street flooding, with some intrusion into very low-lying buildings and additional drainage problems, has resulted after several inches of rainfall. This occurs in a short period of time or after several days of rain. During the past two decades, our community, along with other Florida communities, has experienced tropical storms and rainfall events resulting in flood damage. If you are planning to purchase property, it is a good idea to research any possible flood hazard before you buy.

Know Your Local Floodplain Management Regulations

Construction and development within designated flood zones are regulated in order to provide protection to buildings from flood damage. Filling and similar practices are prohibited in certain areas. Houses that are considered substantially improved or damaged (i.e., more than 50 percent of its market value) by fire, deterioration, flood, and other causes must be elevated above the flood level when they are repaired.

Flood Protection

A building can be protected from smaller flood hazards, sometimes at a relatively low cost. New buildings and additions must be elevated above the flood levels. Existing buildings can be protected from shallow floodwaters with some simple retrofitting measures. Contact our floodplain official for more detailed information.

For Your Protection: Know Your Flood Risk 

Looking for a new home? Have you checked to determine whether it has ever flooded or had a drainage problem? Even a shallow flood, only a few inches deep, inside your home, could cause thousands of dollars in damage, and the loss of irreplaceable keepsakes. Deeper floods cause damage that can result in the relocation of residents until repairs are completed.

The Federal Emergency Management Agency (FEMA) has prepared Flood Insurance Rate Maps (FIRMs) to show residents the Special Flood Hazard Areas (SFHAs). If your property is located in a Special Flood Hazard Area, it is five times more likely to experience a flood versus a fire, making flood insurance advisable.

If you need a mortgage that is regulated or insured by the Federal government (e.g., VA, FDIC, Farm Credit, OCC, FHA/HUD, OTS, SBA, NCUA), you will be required to purchase a flood insurance policy if the building is located in a Special Flood Hazard Area.

Florida state law requires sellers and their agents to disclose knowledge of any natural hazards on their property, including flooding, so start your research by asking the seller and the agent. They may honestly say they don’t know of any flooding, but it could still be located in a Special Flood Hazard Area.

Flood Insurance Rate Maps


Know your evacuation zone by going to

Other Resources

  • Keep natural areas undisturbed! Natural areas in all of Monroe County contribute to the retention of floodwaters, improve water quality, and offer refuge for endangered species.
  • Some historic homes may be exempt from elevation requirements but aren’t exempt from increased rates for flood insurance if their location is below established flood levels.
  • Check with the local building official to determine how much of the 50 percent building improvement threshold has already been used in the past few years. This may limit the number of improvements you can make in the near future.
  • Hire only licensed and insured contractors.
  • Contact your insurance agent to discuss flood insurance coverage.
  • Fair Insurance Rates in Monroe County (FIRM)