Online Flood Maps
Current Flood Maps (2-18-2005)
What is the Definition of Repetitive Flood Loss
Repetitive loss, as per the National Flood Insurance Program (NFIP), is characterized as any insurable building that has received payments of more than $1,000.00 for two or more claims within a rolling 10-year period since 1978.
Repetitive Flood Loss Areas
Maps are created to highlight areas with concentrated historical flood loss claims. It's important to note that if a building is situated within one of these areas, it doesn't automatically imply that it has experienced repetitive flood damage. Instead, it indicates that some buildings within these areas have encountered repetitive flood damage. Please be aware that federal privacy laws prevent the City from disclosing specific flood loss data. Please click here to access the City's compiled map of repetitive flood loss areas within the City of Key West.
Flood Insurance Studies (FIS) & Historical Flood Maps
Every community participating in the National Flood Insurance Program (NFIP) has an initial Flood Insurance Study that comprehensively analyzes the community's flood risks. While typically of primary interest to hydraulic engineers, these studies can be found listed at the bottom of this page. To better understand the flood risks within your community and how they have evolved, reviewing the initial Flood Insurance Study and the accompanying original flood maps is important. Over time, the readability of older original flood maps tends to deteriorate. To address this, we have digitized and improved the legibility of these older map sets. It's important to be aware that these remastered versions are approximations. When evaluating buildings located near a flood boundary line, it is advisable to refer to the original flood panel maps, also provided below, for your reference.
Before the official Flood Hazard Rate Map (FIRM) was established, the NFIP released a Flood Hazard Boundary Map (FHBM) on June 15, 1973. This early map did not include identified flood zones or Base Flood Elevation (BFE) levels within the City of Key West; these zones and BFEs were only depicted outside the city limits. The entire city was categorized as an 'Approximate A Zone' under this map, with a minimum elevation requirement of two feet above grade. Approximately a year later, on July 1, 1974 (as reflected in revised maps dated October 29, 1976), the first FIRM with identified flood zones and BFEs was issued. It's essential to stress the significance of consulting older flood maps, as property owners may need to demonstrate compliance with the flood maps in effect at the time of construction. These old flood maps are listed at the bottom of this page.
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. You can access these preliminary flood maps by clicking here.
Post Flood Insurance Rate Map (FIRM) Buildings
Property owners may need to demonstrate compliance with flood zones and minimum elevation requirements in effect during construction. The City has digitally remastered old FEMA flood maps, making them easily accessible online. You can match your building with the relevant flood map from that period. It's advisable to use the most recent flood map dated before the construction permit issuance. Please click here to access the digitized historic FIRMS of Key West.
Copies of the old original FEMA paper maps are available below.
- 1997 Panel 1708 - Fleming Key, Trumbo Point, N Sunset Key and W Sigsbee (PDF)
- 1997 Panel 1709 - N Roosevelt Boulevard, New Town, Sigsbee, W Stock Island (PDF)
- 1997 Panel 1717 - S Roosevelt Boulevard, Mid-town, Airport (PDF)
- 1997 Panel 1728 - Stock Island (PDF)
- 1997 Panel 1736 - S Roosevelt Boulevard Along Cow Key Channel (PDF)