Online Flood Maps

Current Flood Maps (2-18-2005)

FEMA's current flood maps are viewable online.

Repetitive Flood Loss Areas Map

Based upon historical flood loss claims paid, areas are mapped to show these concentrations. Just because a building may rest within one of these areas, doesn't necessarily mean it's suffered repetitive flood loss damage; only that some buildings in these areas have had repetitive flood damage. (Federal privacy laws prohibit the City from disclosing specific flood loss data.)

Historical Flood Maps & Flood Insurance Studies

The older the original flood maps are, the harder they are to read. We’ve digitized these older map sets and remastered them to be easier to read. However, these remastered versions are only approximate. When viewing buildings close to a flood boundary line, it’d be best to reference the original flood panel maps also listed below.

Past Maps

Accessing these old flood maps will become more necessary as the release of new flood maps nears. Early indicators are to expect these new flood maps during early 2022. At some point property owners may need to demonstrate their building was constructed to the flood maps in effect at that time. Those old flood maps are listed at the bottom of this page.

Proposed Maps

If FEMA’s proposed maps do become effective, a number of buildings presently not required to maintain flood insurance - currently located within an "X" type flood zone - may need to obtain flood insurance for the first time, as those "X" zones are scheduled to shrink. Some 2,000 buildings presently in an "X" type flood zone will be remapped into "AE" type zones. This link allows you to view those proposed new flood maps. 

Structures Built after 1974

Property owners may need to demonstrate structures built after December 31, 1974 were constructed to the flood zones and minimum elevation requirements existing at the time. Using the City’s GIS website, and knowing the year of construction - check with the Monroe County Property Appraiser - buildings can be matched-up to the flood map in effect at the time (Use the most recent flood map dated prior to a permit for construction).

Major Map Changes

Major flood map changes occurred between the 1976, 1983, 1989 and 1997. Relatively minor changes occurred with the 1997 and 2005 maps.  FEMA's proposed new flood maps are expected to be a major change. 

Digitally Remastered Versions of Old Flood Maps:

The City has digitally remastered the old FEMA hard-to-read flood maps for easy viewing and made them available online

Copies of the original FEMA paper maps are available below.

Flood Insurance Study (FIS)

Every community participating in the National Flood Insurance Program (NFIP) has an initial Flood Insurance Study that provides a detailed analysis of a community’s flood risks. This publication is usually only of interest to hydraulic engineers. They are listed below.

Flood Hazard Rate Map (FIRM)

Prior to the establishment of an official Flood Hazard Rate Map (FIRM), the NFIP issued a Flood Hazard Boundary Map (FHBM) on June 15, 1973. This early map didn’t have any identified flood zones nor Base Flood Elevation (BFE) levels within the City of Key West. (The flood zones and BFEs shown on this map are outside the city limits).

Under this map, the entire City was considered an "Approximate A Zone." As such, the minimum elevation standard was plus two-feet above grade. The first FIRM with identified flood zones and BFEs was issued about a year later on July 1, 1974, (reflected on revised maps dated October 29, 1976).

Flood Insurance Study Documents