Enter any address in Monroe County, Florida to see its FEMA flood zone
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| HURRICANE MILTON | Hurricane | 2024-10-05 |
| HURRICANE MILTON | Hurricane | 2024-10-05 |
| TROPICAL STORM HELENE | Tropical Storm | 2024-09-23 |
| HURRICANE HELENE | Hurricane | 2024-09-23 |
| HURRICANE DEBBY | Tropical Storm | 2024-08-01 |
| TROPICAL STORM DEBBY | Tropical Storm | 2024-08-01 |
| TROPICAL STORM IAN | Hurricane | 2022-09-23 |
| HURRICANE IAN | Hurricane | 2022-09-23 |
| TROPICAL STORM ELSA | Severe Storm | 2021-07-04 |
| HURRICANE ISAIAS | Hurricane | 2020-07-31 |
FEMA assigns flood zone designations to areas in Monroe County, Florida:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Monroe County, Florida that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. Over 20% of NFIP claims come from low and moderate-risk areas.
Visit FloodSmart.gov to find an agent and get a quote.