FloodMaps
Map of FEMA flood zones in Key WestTap the map to explore

City · Flood risk

Check any address in Key West

Inside Key West city limits 

Homes in Key West

8,588

On the state tax roll

Flood claims since 2016

1,111

In 3 storms, 583 paid

Most claims in one storm

717

Hurricane Irma 2017, 250 paid

FEMA flood map in effect

Feb 2005

First flood map 1971

Flood insurance discount

25% off

City of Key West, Community Rating System Class 5

Sinkhole reports

1

On file with the Florida Geological Survey

Key West and Monroe County

Key West has 20% of Monroe County's homes and 13% of its flood claims since 2016.

Key West compared with all of Monroe County
Key WestAll of Monroe
Homes8,58843,467
Flood claims since 20161,1118,608
FEMA aid, water insideNo city figure6,118

Past storms in Key West

National Flood Insurance Program claims, filed in the city and across the county.

Flood claims by storm in Key West and in all of Monroe County
StormKey WestAll of Monroe
Hurricane Irma 20177177,969
Hurricane Sally 20203454
Tropical Storm Eta 2020011
Hurricane Ian 2022360557
Hurricane Helene 2024012

Frequently asked questions

Do I need flood insurance in Key West?

Lenders require flood insurance on a federally backed mortgage when the building is in one of FEMA's high-risk zones, the ones starting with A or V. The map that sets those zones in Key West took effect on February 18, 2005. Outside those zones insurance is optional, but claims come from moderate- and low-risk zones too, so it's worth checking the zone and the floor height of the exact home.

When was the FEMA flood map for Key West last updated?

The flood map in effect for Key West took effect on February 18, 2005. The city's first flood map dates to September 3, 1971. FEMA has released preliminary maps for parts of Monroe County; they don't change insurance requirements until they're adopted and take effect.

Is there a flood insurance discount in Key West?

The City of Key West is in FEMA's Community Rating System at Class 5, which takes 25% off National Flood Insurance Program premiums for policies inside the high-risk flood zone. Classes run from 10 to 1, and each step down adds 5% off.

Which storms flooded Key West the most?

By National Flood Insurance Program claims filed in Key West, the worst recent storms were Hurricane Irma 2017 (717 claims, 250 paid), Hurricane Ian 2022 (360 claims, 314 paid), and Hurricane Sally 2020 (34 claims, 19 paid). Across Monroe County, 5,754 FEMA aid registrations reported water inside the home after Hurricane Irma 2017. Claims only count insured homes, so the real number of flooded homes is higher.

What causes flooding in Key West?

Most land in the Keys sits only a few feet above sea level, so storm surge and the highest tides can reach a large share of streets and ground floors. The storms we track for the Florida Keys are Hurricane Irma 2017, Tropical Storm Eta 2020, Hurricane Ian 2022, and Hurricane Helene 2024.

Key West is the southernmost city in the continental United States, on a low island with water on every side.

Key West has 8,588 homes on the state tax roll inside its city limits. The FEMA flood map in effect for Key West took effect on February 18, 2005; the city's first flood map dates to 1971. Since 2016, 1,111 flood insurance claims have been filed in Key West in the storms we track, 583 of them paid. The storm that left the most was Hurricane Irma 2017, with 717, followed by Hurricane Ian 2022 with 360. The City of Key West is in FEMA's Community Rating System at Class 5, which takes 25% off National Flood Insurance Program premiums for policies inside the high-risk flood zone.

Most land in the Keys sits only a few feet above sea level, so storm surge and the highest tides can reach a large share of streets and ground floors. The storms we track for the Florida Keys are Hurricane Irma 2017, Tropical Storm Eta 2020, Hurricane Ian 2022, and Hurricane Helene 2024.

Search any address in Key West for a free report: its FEMA flood zone and whether insurance is required, its risk level, and its floor height against the flood line. The full report adds a 0 to 100 risk score, the flood insurance cost, the home's record in each storm we track, and a PDF to share.

Compiled by FloodMaps from FEMA, state, and county records. Data dates: 2026 county tax roll (preliminary values); flood claims for storms from 2016 through Hurricane Milton (October 2024); FEMA map dates and insurance discounts as of October 8, 2026.

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