FloodMaps
Map of FEMA flood zones in Monroe CountyTap the map to explore

County · Flood risk

Check any address in Monroe County

Quick facts

Homes on the tax roll

43,467

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Feb 2005

First flood map 1970

Flood insurance discount

35% off

Monroe County, Community Rating System Class 3

Most flood claims in one storm

7,969

Hurricane Irma 2017, 5,318 paid

Homes with water, FEMA aid

5,754

Aid registrations reporting water inside, Hurricane Irma 2017

New FEMA maps

Preliminary

Draft zones FEMA has released for review

Sinkhole reports

1

Florida Geological Survey, mostly unverified

Past storms in Monroe County

National Flood Insurance Program claims and FEMA aid registrations that reported water inside the home, for the whole county.

Flood claims and FEMA aid by storm in Monroe County
StormClaimsPaidAid, water inside
Hurricane Irma 20177,9695,3185,754
Hurricane Sally 20205435–
Tropical Storm Eta 2020116–
Hurricane Ian 2022557462364
Hurricane Helene 2024125–

Frequently asked questions

Do I need flood insurance in Monroe County?

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 Monroe County 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 Monroe County last updated?

The flood map in effect for Monroe County took effect on February 18, 2005. The county's first flood map dates to June 20, 1970. FEMA has released preliminary maps for parts of the county; they don't change insurance requirements until they're adopted and take effect.

Is there a flood insurance discount in Monroe County?

Monroe County is in FEMA's Community Rating System at Class 3, which takes 35% 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 Monroe County the most?

By National Flood Insurance Program claims across Monroe County, the worst recent storms were Hurricane Irma 2017 (7,969 claims, 5,318 paid), Hurricane Ian 2022 (557 claims, 462 paid), and Hurricane Sally 2020 (54 claims, 35 paid). After Hurricane Irma 2017, 5,754 FEMA aid registrations in the county reported water inside the home. Claims only count insured homes, so the real number of flooded homes is higher.

What causes flooding in Monroe County?

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. Monroe County has about 43,500 homes on the state tax roll.

Monroe County is mostly the Florida Keys, a chain of low islands from Key Largo to Key West, plus mainland in Everglades National Park.

Monroe County has about 43,500 homes on the state tax roll. The FEMA flood map in effect for Monroe County took effect on February 18, 2005; the county's first flood map dates to 1970. The storm that left the most flood insurance claims in the county was Hurricane Irma 2017, with 7,969, followed by Hurricane Ian 2022 with 557. Monroe County is in FEMA's Community Rating System at Class 3, which takes 35% 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 Monroe County 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 and FEMA aid for storms from 2016 through Hurricane Milton (October 2024); FEMA map dates and insurance discounts as of October 8, 2026.

Cities and nearby counties

Florida Flood News & Updates