Key West Flood Zone Map & Elevation Check
Free Florida flood zone lookup for Key West, FL — share of homes in FEMA high-risk flood zones, average ground elevation, and hurricane evacuation zones. Check any address for a parcel-level answer.
Flood risk in Key West at a glance
- Key West is in Monroe County with about 14,426 homes.
- 68% of homes are in a FEMA high-risk flood zone (A/AE/VE); the most common zone is Zone AE.
- Average ground elevation is 7.6 ft, ranging from 0.7 ft to 85.0 ft.
- 100% of homes are in hurricane evacuation zone A or B, the first to evacuate for storm surge.
FEMA flood zones
- Zone AE: 64% of homes
- Zone X: 32% of homes
- Zone VE: 4% of homes
Evacuation zones
- Zone AB: 100% of homes
What this means for buyers in Key West
Most homes in Key West are in a FEMA high-risk flood zone
About 68% of homes sit in a Special Flood Hazard Area (Zones A/AE/VE). Federally backed mortgages require flood insurance there — budget $800–$3,000+/yr, more in coastal VE zones.
Hurricane evacuation zones A/B
Essentially all homes are in evacuation zone A or B — first to evacuate for storm surge. Florida lenders commonly require windstorm coverage in these zones.
Low ground elevation
The typical home here sits under 6 ft above sea level, which leaves little margin against storm surge and king tides. Ask for an elevation certificate on any home you are serious about.
Estimated from 30 residential points across Key West, weighted by 2020 Census housing units, using FEMA NFHL flood zones, Florida Division of Emergency Management evacuation zones, and ground elevation. These are area averages — flood zones and elevation change street by street.
Check a specific Key West address for its exact FEMA zone, parcel elevation, and evacuation zone.
Budgeting for a home in Key West? See Key West property tax for buyers: the year-1 tax you'll pay after the Save Our Homes reset, not the seller's capped bill.