Key West, Florida Flood Zones
Key West is extremely vulnerable to storm surge and sea level rise, with most of the island sitting only a few feet above sea level. Tidal flooding is an increasing problem, and hurricane storm surge could inundate the entire island.
Common Flood Zones in Key West
Properties in Key West, FL are commonly designated in these FEMA flood zones:
Check Your Key West Address
Enter any Key West, FL address to instantly see its FEMA flood zone, risk level, and whether flood insurance is required.
Free Flood Zone LookupWhat Your Flood Zone Means in Key West
FEMA assigns flood zone designations to every property in the United States based on flood risk assessments. In Key West, the most common designations are Zone VE, Zone AE, Zone X.
Properties in Special Flood Hazard Areas (SFHAs) - zones starting with A or V - are required to carry flood insurance if they have a federally-backed mortgage. Properties in Zone X are outside the SFHA and flood insurance is typically optional but often recommended.
Flood zone designations can change over time through Letters of Map Amendment (LOMA) or Letters of Map Revision (LOMR). Use our free lookup tool to check the current flood zone for any Key West address.