The City of Key West, Florida

The Southernmost City in the Continental United States


Historical Flooding

September 10, 2017: Hurricane Irma Impacted Key West

A last minute wobble in this storm's track to the north limited damage in Key West. The most severe damage occurred in the islands of the middle-Keys.

Flooding in Key West was very minor in comparison. Along Atlantic Boulevard, where upwards of five-feet of storm surge had been expected, there was but only about 18 inches above the roadway.

An excellent recap of this Hurricane and its affects upon the Florida Keys, published by Melody Lovin for the National Weather Service by The National Oceanic and Atmospheric Administration (NOAA).

October 24, 2005: Hurricane Wilma impacted Key West

On that day, Wilma was a Category III hurricane, by one mile-per-hour.  However, the center of this tropical storm was some 75 miles away to the north.  As a result, the impact upon Key West was as if it'd been a direct hit from a Category I hurricane.

The island was impacted by two different storm surges, at different times of the day; one on the leading edge of the storm and the second surge on the trailing side as it passed.

The first storm surge began on the eastern or Atlantic side at about 1:00 a.m.  By 2:30 a.m., Key West International Airport was flooded, with the runway complex inundated and the airport terminal flooded with six inches of salt water. 

At 3:01 a.m., Flagler Avenue east of First Street, was flooded with 1-2 ft of salt water. Parking lots on the southeast side of Key West were flooded with 2-3 ft of salt water. Some homes on the south side of Stock Island, as well as the intersection at U.S. Highway 1 and Cross Street, were flooded with up to 4 ft of water. At 3:30 a.m. EDT, a report was received indicating that the NOAA Weather Radio transmitter on Sugarloaf Key had ceased operation (it was later discovered that the generator's fuel tank had broken free and floated away). 

By 5:00 a.m. the surge seemed to have reached its crest and was beginning to recede. However, it wasn't over.

As storm surge flooding was receding on the Atlantic side, it was only beginning on the western or Gulf of Mexico side of the island; this was the surge from the trailing side of the storm.  This second surge caused flood waters to rise until about 10:00 a.m.  This second surge coincided with high-tide, causing flood waters to rise high and remain longer than had it occurred earlier on the Atlantic side at low-tide.

The normal high-tide for that day was predicted to be two-feet above mean-sea-level; the surge pushed water levels to almost five feet.

The Old Town or downtown section of the city experienced one flood or the other; whereas the low-lying sections in the middle of the city (First St., Bertha St., Flagler Ave.) were inundated by surges from both directions.

Hurricane Wilma (pictured here to the right) resulted in the worst storm surge inundation throughout most of the Florida Keys since Hurricane Betsy on 8 September 1965. wilma-radar-impact

The following map shows the areas of significant flood water inundation from Hurricane Wilma.


Official FEMA High Water Marks


Hurricane Wilma (2005)

(Click image to enlarge)

Click here for the full FEMA Wilma High Water Mark publication for all of Monroe County


N. Roosevelt Blvd. flooded by storm surge from hurricane Wilma, Oct. 24, 2005.

Palm trees mark the submerged sidewalk & roadway in front of the Searstown Shopping Plaza.


Wilma flooding at the intersections of Flagler Ave., First St., & Bertha St., during the morning of Oct. 24, 2005.  Wilma Flooding 1st St & Flagler Ave
Looking down Fifth Street from N. Roosevelt Blvd., during the morning of Oct. 24, 2005.  Fifth St from N. Roosevelt Blvd
 K-mart shopping plaza, Oct. 24, 2005, after flood waters had been receding for nearly two hours.

K-Mart Plaza Wilma Flooding

Factual references and above photos courtesy of National Weather Service Weather Forecast Office, Key West, Florida, Hurricane Wilma in the Florida Keys by Kennard "Chip" Kasper.

Cumulative flood damage 2000-2014

1-10 scale of severity

Light red - Deep red



1-10 scale of severity

Light red - Deep red


map showing Repetitive Loss Flood Areas within the City.

A property becomes designated as a Repetitive Loss property after flood damage has:

  • Occurred twice in the past 10 years, and
  • The cost of repairing the flood-damage, on average, equaled or exceeded 25% of the property market value at the time of each flood, and
  • The two flood damage events must have resulted in flood insurance claim payments, and
  • The community’s floodplain management ordinance must have a repetitive loss provision (Key West's does.)

This doesn't mean all buildings within these areas have suffered repetitive flood losses, but one or more have.

The federal Privacy Act of 1974 prohibits the City from releasing flood claim histories for specific properties. The most the City may disclose is whether a specific property is or isn't located in such an area.

Severe Repetitive Loss Building. This classification applies to buildings that are:

1. Are covered under a Standard Flood Insurance Policy;

2. Has incurred flood damage for which:

a. Four or more separate claim payments have been made under a Standard Flood Insurance Policy, with the amount of each such claim exceeding $5,000, and with the cumulative amount of such claims payments exceeding $20,000; or

b. At least two separate claims payments have been made under a Standard Flood Insurance Policy, with the cumulative amount of such claim payments exceeding the fair market value of the insured building on the day before each loss.

Repetitive Flood Loss Areas

Flood Damage Claims by District


(Click image to enlarge.)


An interesting article from UNC School of Government entitled:

"Decade of Destruction: The High Cost of Hurricanes"

  Decade of Destruction Graphic   

Understanding the Hurricane of 1846 by Corey Malcom © Mel Fisher Maritime Heritage Society, 2010: An in-depth account of this disastrous hurricane's impact upon Key West.

The most destructive hurricane to impact Key West occurred before storms were given names, and thus is known as the Hurricane of 1846.  This riveting account of the disaster by Corey Malcom, is pieced together from the perspectives of sailors aboard large schooners anchored in the harbor and people ashore fleeing toward the only high-ground in the city, Solaris Hill.  When the storm cleared, of the 500 buildings then in the city, 12 were left standing, only five of which remained habitable. 


The following is an in-depth chronological history of tropical storms impacting the Florida Keys dating back to the 1500s, provided courtesy of

Florida Keys Hurricanes of the Last Millennium

By Gail Swanson and Jerry Wilkinson


On October 15, 1999, the eye of Hurricane Irene barely missed the Upper Florida Keys after days of observation. After passing over Cuba as a tropical storm, Irene intensified over the Florida Straits to hurricane force and headed for the mainland. We know, and according to NOAA, most of her hurricane force winds were confined to her east, which were the Middle and Upper Keys.  Afterward, as historians, we both realized that we had just experienced the last hurricane at the Keys of the millennium 1,000-1999. The experience inspired making the following list of known hurricanes at the Florida Keys, from our own individual  files.

Missing here is information on hurricanes of the first half of the millennium because the native people of Florida failed to develop writing.  Can you imagine how much we would know if they had?  This imagination has to be qualified, for the Spanish ridded the Indians, or at least tried to, of their religions, customs, and writings in other parts of the New World.  Writings by the native people of Florida, if they existed, would have fared the same.

Havana was founded c. 1517, and from records of that city only 90 miles away we can learn of probable hurricanes at the Keys; and later, from  records of the also-near-by Bahama Islands.   

Hurricanes of the 1500s 

- 1557 – Havana, Cuba & Matanzas, 55 miles to the east were struck by a hurricane.  It is probable that it also struck the Florida Keys 90 miles northward.
- 1588 –Havana was struck by a storm “more destructive than that of 1557.” 

Hurricanes of the 1600s

- 1622 – On Sept. 5th a hurricane struck a Spanish treasure fleet from Havana, sinking or grounding 8 ships at the Keys, including the Atocha, found by Mel Fisher 363 years later, in 1985.  Over 500 people on the ships perished. 
- 1622  - On Oct. 5th another hurricane struck, while survivors of 3 ships wrecked at the Dry Tortugas were still there; the sea almost covered the islets.  In this second hurricane the Atocha broke into 2 parts at her gunports; the deck floated several miles away from the hull, spilling cannon all the way.  Because divers kept checking the cannon locations the effort to find the hull with its motherlode spanned 14 years.
- 1640 – A Dutch fleet commanded by Cornelius Jol (called by the Spanish “Peg Leg the Pirate”) suffered a hurricane off Havana while lying in wait for the yearly treasure fleet; 4 ships of his fleet were wrecked by the storm on the Cuban shore.
- 1692 – On October 24th a hurricane destroyed buildings in Havana and sank a St. Augustine supply ship near Key Biscayne; those aboard were rescued by a ship from Havana. 

Hurricanes of the 1700s

- 1730 –  A hurricane struck Havana and Matanzas, Cuba destroying buildings.
- 1733 – On July 15th a 22-ship treasure fleet was struck at the Keys by hurricane, leaving 13 ships sank or grounded, forever, in the 80 miles between Elliott Key and Key Vaca.  After the storm perhaps a thousand people were left to survive for days on their sorry hulks or on the islets until help from Havana could arrive. One of North America's greatest maritime disasters, it was unknown in our  history until 1938, when diver Art McKee began his underwater and archival investigations of a “cannon wreck” shown to him by Islamorada fisherman Reggie Roberts. 
- 1756 – On Oct. 2nd and 3rd a hurricane with heavy rains struck Havana.

- 1759 – In September a “gale” from the Northeast so greatly impeded the Florida Current that water backed up causing the Dry Tortugas to disappear.

- 1768 – On Oct. 15th a hurricane struck Havana resulting in over 500 homes destroyed, 69 ships wrecked in the harbor  and 17 deaths.
- 1769 – A strong “Northeast gale” pushed the current to the west and with it the Ledbury, Capt. John Lorain, onto the south end of Elliott Key.  Surveyor Bernard Romans may have witnessed the attempted salvage, naming the location “Ledbury Key” on his map.  The water covered the tops of the highest trees on Key Largo and flooded Old Rhodes and Tavernier Keys to a depth of 3 feet.
- 1780 – A hurricane possibly affecting the Dry Tortugas wrecked a Spanish fleet between there and the western end of Cuba
- 1785 – Heavy damage sustained at Havana in a hurricane; 4 vessels sank in the harbor.
- 1791 – On June 21st and 22nd a “horrible storm” occurred at Havana resulting in 3,000 people on the island killed principally by flood waters.
- 1794 – A “dreadful” hurricane August 25th occurred at Havana – 100 bodies were recovered in the harbor the day after.  At the Keys, 2 vessels wrecked.  The crew of the Vigilant stayed on their water-filled hulk 48 hours without food or water until found by Bahamian wreckers.
- 1796 – Bahamian wreckers who were likely at the Keys reported a severe gale on the coast of Florida early September.  The Bahamas was also struck.   

Hurricanes of the 1800s 

- As the southeast U.S. approached some degree of habitation, hurricane reporting began to improve mainly because of more people, mail and newspapers. Key West was inhabited in 1822 and in early 1829 a post office and newspaper were in business. 
- 1831 – Two hurricanes appears to have struck Florida and the one on August 14 came across Cuba and the Tortugas in enroute to New Orleans.
- 1835 – The Key West Inquirer had been publishing only a year when this undated hurricane swept through all the Keys onto the mainland. The lightship Florida at Carysfort was severely damaged, but repairable. 
- 1841 – A hurricane October 18th and 19th raised the tide in Key West harbor higher than anyone had ever remembered, and wrecked ships along the Lower Keys. 
- 1842 – The September 4 hurricane struck the Lower Keys doing damage to the Sand Key lighthouse and numerous navigation beacons.
- 1844 – The October 5 storm, known as the “Cuban Hurricane”, moved up the Keys causing considerable damage. Many of the structures built by the Navy on Indian Key and all wharves were reported as washed away.
- 1846 – Some experts estimate that if today's measuring devices had been available, the Great Hurricane of 1846 (October 11 and 12) would have been a category-5 hurricane. The collector of customs, Steven Mallory, wrote that of 600 houses at Key West all but eight were destroyed or damaged. The offshore Sand Key and harbor lighthouses were destroyed. Water rose to about 8-feet in the lower streets.

- 1851 – Little specific data is available, but this hurricane reportedly did severe damage at Key West, Tampa and Pensacola.

- 1855 – A “heavy gale” on August 29th and 30th caused the ship Rainbow to bilge near Long Key and the Huntress to run aground near Indian Key.
1856 – On August 27 and 28 a hurricane passed to the west of the Keys, causing “very strong winds” at Key Biscayne. Among the larger vessels lost were the Activa at the Dry Torgugas and the Issac Allenton off Sugarloaf Key.

- 1870 – Key West recorded what some call “twin hurricanes” as they were only nine days apart. The first came ashore on October 8 and high winds lasted for four days. Nine days later, the second arrived with hurricane force winds again! No major damage was reported.

- 1878 – A September storm recorded by Fowey Rocks and Alligator Reef lighthouse keepers buzzed through the Upper Keys, slightly affecting Key West, passed through the Middle Keys and on up through the center of the state. Little data is available for this hurricane. See HT, page 122. 

- 1894 – The September 26 hurricane skirted past Key West curving to the east to strike Sanibel Island. It caused the Brandon to capsize off the Upper Keys. Her crew of 17 floated ashore at Upper Matecumbe Key, along with the ship's debris. The Theora was lost off Turtle Harbor, her crew saved. One unknown victim was buried on Tavernier. 

Hurricanes of the 1900s

For the past 22 years, the Upper Keys were probably spared the destruction of hurricanes. I find NOAA lists 1900s hurricanes in categories hurricane, major hurricane, great hurricane and extreme hurricane. Whether the basis for these labels was wind speed, dollar destruction or some other evaluation is unknown. As we near modern times, there is more data; however, I also find more conflicts. I personally blame the media for some of this. For this summary, I will use the official NOAA data where possible, who also are not without error.  (J.W.) 

Henry Flagler had begun construction of the Key West Extension when the next three hurricanes made landfall. Two major and one great hurricane over a 7-year project is a little unusual. 

- 1906 – In the early morning hours of October 17, a Major Hurricane swept through the Upper Keys from the southwest. Please note that many October hurricanes approach from the southwest. Two large
 houseboats firmly moored on the Gulf side of Long Key were torn loose. One with 150 men aboard washed into the Atlantic of which 83 survived. The other houseboat washed into the bay and back to shore with no causalities. The St. Lucie sank off Elliott Key killing 25. On Lower Matecumbe Key, two houseboats with 45 men were carried to sea. As with powerful hurricanes the number of lives lost varies, however 160 is a good estimate.

- 1909 – Another Major Hurricane  from the southwest swept through all the Keys on October 11. Key West was hit hard this time with $1,000,000 in damages; newspapers stating it was the worst in 39 years.1909 Simonton and Greene Streets Reportedly, 400 buildings either collapsed or were swept away. Damages to the railroad were not near as great as in 1906. The only large craft damaged was the tugboat Sybil that sank taking 11 lives. A timekeeper in Marathon was also lost.

For this hurricane, the railroad intentionally sank as much equipment as possible before the storm. 

- 1910 – A Great Hurricane approached the Gulf of Mexico from the south. It appeared on October 15 to be safely passing far to the west of the Keys. Low and behold, on the 16th it did a three-quarter loop and headed northeast for Key West. It passed Key West to the west into Florida Bay, but this meant the stronger winds on the right side would strike the Lower Keys. Sand Key just off of Key West reported winds of 125 mph. The damage reported did not seem to be as great as in 1909.

Again the railroad was ready and was even better prepared. In September, it had inaugurated many special precautions to prevent loss of life. Only two were reported lost; however, substantial damage to construction facilities was reported. 

- 1919 – There was only one hurricane during the 1919 hurricane season and it struck Key West. Passing through the Florida Straits from the southeast, the September 9 and 10 Great Hurricane did severe damage to buildings and railroad docks at Key West. The estimated damage was $2,000,000 and the highest winds were estimated at 110 mph. No deaths were reported on the island; however, the steamer Valbanera was  found sunken between Key West and the Dry Tortugas with 488 aboard. All perished.

- 1926 – In 1926, the first Overseas Highway was under construction. In September, a Great Hurricane struck Miami killing 200 and severely damaging the roadway and bridges being built in the Upper Keys. On October 21, a second hurricane passed just east of the Upper Keys doing more damage to the highway in Islamorada and Key Largo areas.

- 1929 – On September 28, a Great Hurricane, of which there is little written, passed through the Upper Keys with estimated winds of 150 mph. Reportedly, storm surges were 6 to 9 feet at Garden Cove. Railroad service was out for a week. Sections of highway were washed out as far as Big Pine Key. The Coast Guard had to provide mail service for Key West.

- 1935 – The Great Labor Day Hurricane had the lowest barometric pressure ever recorded over land in North America (26.35 inches of Hg or 892 Mb) – yet NOAA has it as a Great and not an Extreme. However, much less intense Hurricanes Carol and Edna in 1954 are listed as Extreme Hurricanes.

1935 Labor Day PathWinds were estimated to exceed 200 mph with storm surges up to 18 feet. Over 400 residents and World War One veterans building new highway bridges perished. Forty miles of the railroad bed was destroyed. Most structures from Long Key to Plantation Key simply disappeared.

With the railroad destroyed, the Middle and Lower Keys were isolated except by sea and air. The surviving railroad's concrete bridges were later widened for vehicles and a continuous two-lane highway was opened in 1938.

- 1945 –  The September 15 Great Hurricane did severe damage to the Homestead-Miami area. Homestead reported gusts to 196 mph. Carysfort Lighthouse measured a 138 mph gust. The Richmond blimp base in south Dade lost 25 blimps. However, the Upper Keys reported  minimal hurricane damage just as it did in Hurricane Andrew. Being on the left side of a hurricane was a definite advantage.

- 1947 – Only one of the two Florida hurricanes of 1947 struck the Keys and it was in the Dry Tortugas' area on October 11. Unfortunately, the anemometer was not oiled properly and stopped at 80 mph. Observers estimated 150 mph winds. It came ashore on the mainland at Cape Sable and dropped a lot of rain. In these earlier hurricanes, the reporting of tornadoes appeared to be rare; however, two were confirmed in the Miami area.

- 1948 – Again, only two hurricanes made landfall on Florida soil and both made contact with the Keys. The first arrived at Key West on September 21 with winds recorded at 122 mph at Boca Chica airport. Gusts were said to have reached 160 mph with a tidal surge of six feet.

Two weeks later on October 5, a second hurricane came ashore at Key West and followed the highway up the Keys. This hurricane was similar to Hurricane Floyd in 1987 which also was not very damaging. Winds were estimated at 100 mph, but were measured at Miami at 90 mph. 

- 1950 – This year marked the official naming of hurricanes, but the Major, Great and Extreme descriptions continued until the Saffir-Simpson scale was adopted. Hurricane King came on shore above Fort Lauderdale, so only the uppermost Upper Keys experienced severe winds with a moderate storm surge. Hurricane Easy passed just west of Dry Tortugas, but o significant damage was reported in the Keys.

- 1960 – The Keys had gone a decade with only one tropical storm (1952). Hurricane Donna made up for the lack of tropical activity. Part of a poem reads, 
      “Donna was a husky lass,
       A lusty dame was she,
       She kicked her heels and swirled her skirts,
      And shrieked in fiendish glee. . . .”

For certain, Donna was no lady as she wreaked havoc in the Middle and Upper Keys. She was already reported as a “Killer Hurricane” while passing northern Cuba. In the early1960 Donna Tea Table morning hours of September 10, the Keys experienced the worst hurricane since 1935. Reliable sources reported sustained winds of 140 with gusts to 180 mph. Tavernier reported an anemometer “solid against the peg at 120 mph for 45 minutes.” Lignum Vitae Key reported 155 mph and Sombrero Lighthouse 150 mph. Tidal surges were from 8 to 13.5 feet. The Tea Table Relief Channel highway bridge and waterline were destroyed, temporarily isolating the Keys farther to the south. Amazingly, only four lives were lost.

- 1964 – Hurricane Cleo barely missed the Keys passing to the east on August 26. The Weather Bureau for the first time used cloud images from a space satellite as a hurricane tracking aid. A southwest hurricane named Isabell struck the Dry Tortugas area to our west on October 14. Key West had wind gusts to 76 mph.

- 1965 – Like Donna, Betsy was no lady either. On September 4, she was well north and east of even the Upper Keys. This was just a tease as on September 5, she “changed her mind” and headed south for the Bahamas where she again changed her mind – heading almost due west for the Keys. Betsy and a second hurricane of 1935 are the only two American hurricanes recorded making landfall from the northeast.

On September 8, Tavernier claimed to have been in the hurricane's eye from 4:30 to 7:10 A.M. Sustained winds were reported at 125 mph with gusts to 165 mph. The Middle and Lower Keys were also severely damaged by Betsy. Big Pine Key reported gusts as high as 160 mph. Two tornadoes were confirmed – one at Marathon and one at Big Pine Key.

As a side note, Betsy was the hurricane that the government was accused of “seeding.” There was project “stormfury” that experimented with spreading silver iodine crystals into clouds; however, this was never proved to be the case with Betsy.

- 1966 – Again two hurricanes involved the Keys. First it was Alma who skirted pass the Dry Tortugas on June 8 just to its west, but still winds of 125 mph were measured at the Dry Tortugas weather station. Key West had gusts to 70 mph. 

Inez was another hurricane that appeared to be missing the Keys to the east, then on October 3, she reversed herself and came back. During the day of October 4, she traveled the Keys from east to west with minimal damage. Again, Big Pine Key reported wind gusts up to 150 mph. Winds were measured on Plantation Key at 98 mph; therefore, one might suspect that Big Pine Key experienced a tornado like Key Largo did during tropical storm Mitch in 1998.

- 1972 – For the record, in June, hurricane Agnes missed the Keys to the west by hundreds of miles. In spite of this, on June 18 at about 2 A.M. a tornado hit Big Coppitt Key causing $350,000 of damage and ruining some 80 mobile homes. 

- 1987 – After 21 years of no hurricanes, Floyd came up from western Cuba as a tropical storm, then intensified to a minimal category 1 hurricane as it approached the Marquesas. On October 12, it barely maintained hurricane force (74 mph or above) for 12 hours during which time it managed to follow highway US 1 up through the Keys. One tornado touched down in Key Largo doing considerable damage.

- 1992 – Damages attributed to Hurricane Andrew are staggering and elusive - some estimates reach $30 billion. The Ocean Reef Club and the Anglers Club on North Key Largo were the hardest hit in Monroe County. The power lines bringing power to the Keys were also destroyed, but potable water was maintained.

For the record, Andrew made landfall at 4:30 A.M. on August 24 at about Cutler Ridge. NOAA establishes sustained winds of 145 mph with gusts over 175 mph. Its forward speed was 18 mph.

By 8:00 A.M., Andrew had passed over Naples on Florida's west coast. Barometers establish a pressure of 27.23 inches of mercury (922Mb) making Andrew the third most intense hurricane making landfall in the U.S. after Camille in 1969 and the Great Hurricane of 1935. I believe the last figures I saw, there were 38 confirmed dead.

- 1998 – If we look at the hemisphere, 1998 was disastrous. Thousands of people perished in Central America from Hurricane Mitch and 602 from Hurricane Georges. The estimated number of victims of Mitch was 9,086 as of the NOAA report dated January 28, 1999.

Hurricane Georges (pronounced Zhorzh) was a classical Cape Verde tropical system. He traveled westerly from just off the west coast of Africa to strike the Keys; well almost, as NOAA says the eye's center was 12 miles south of Key West. Landfall was mid-morning of September 25 with maximum winds of 104 mph. From NOAA, the maximum sustained 2-minute wind at Key West was 55.2 mph at 8:53 A.M. with a peak wind gust of 88 mph. The highest wind gust recorded in the Keys was 110 mph at Marathon. Sombrero Key reported a sustained wind of 94 mph with a gust of 106 mph. Storm surges were reported from 4 to 6 feet in the Lower and Middle Keys. Key West recorded 8.38 inches of rain.

Hurricane Mitch also came off the West Coast of Africa leaving on October 8. After meandering through much of the northern hemisphere, he arrived 5 miles west of Naples at 6:00 A.M. on 5 November. His sustained winds of 63 mph classified him as a tropical storm at the Keys. The highest wind actually measured during his trip from Africa was 193 mph, the location was not disclosed.

The Upper Keys had a number of tornadoes from Mitch and the NOAA report only states that 645 houses were damaged, or destroyed in Florida. There were two deaths from a fishing boat capsizing in Monroe County.

- 1999 – The  preliminary NOAA report for Hurricane Irene indicates she reached hurricane status crossing the Florida Straits. On October 15, her eye passed over Key West at 8:00 A.M. Irene  made landfall again near Cape Sable later that day at 3:00 P.M. Most of her hurricane force winds were confined to her east at the Lower and Middle Keys. There were eight indirect deaths related to Irene, all on the mainland. Florida's damage is estimated near $600 million.

We will close with our disclaimer used by the Weather Bureau: “Hurricanes are sometimes unpredictable.”

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