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Renee Chapple

Miami Flood Zone Maps

By August 6, 2009

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The Federal Emergency Management Agency recently released new flood zone maps for Miami and South Florida which take effect in September 2009. These maps are critical for determining whether your property lies in an area at high risk for flood. The maps, available online, classify properties into five categories:
  • Zone A is the flood insurance rate zone determined by approximate methods, as no Base Flood Elevations (BFEs) are available for these areas. Mandatory flood insurance purchase requirements apply.
  • Zone AE is the flood insurance rate zone that corresponds with flood depths greater than 3 feet. Mandatory flood insurance purchase requirements apply.
  • Zone AH is the flood insurance rate zone that corresponds to areas of shallow flooding with average depths between 1 and 3 feet. Mandatory flood insurance purchase requirements apply.
  • Zone VE is the flood insurance rate zone that corresponds to coastal areas that have additional hazards associated with storm waves. Mandatory flood insurance requirements apply.
  • Zone X and Zone X-500 are flood insurance rate zones that are outside the flood plain or with average flood depths of less than 1 foot. Flood insurance purchase is not mandatory.
Read more: What You Should Know About Miami Flood Insurance
Comments
August 31, 2009 at 5:03 pm
(1) Jade Wood says:

Good post. I’ll try using this soon.

September 2, 2009 at 12:46 pm
(2) sj osborne says:

may be a good article, but without a large map link to show clearly what street addresses are in the various zones…what use? What I got from the county is also not much help.

February 11, 2010 at 12:00 pm
(3) Beverly Y. says:

on 12-16-09, my Benz was flooded out to the tune of $16,336, plus my deduct, plus the rent a car 4 41 days and personal items lost. This all occurred where I reside in Aventura Harbor Apartments in N. Miami Beach. I was never informed about the potential of flooding and it has become a real problem for the residents. Every time it rains the parking lot gets flooded and we are forced to walk and/or drive through unsafe flood waters. of course the owner does not want to take any respon. I did not pay Feb rent so the eviction proces has begun. It is ugly and I am pissed. I would have never relocated here and move into a high risk flood zone. what are my rights????

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