Miami, Florida Flood Zones
Miami faces extreme flood risk from hurricane storm surge, sea level rise, and tidal flooding exacerbated by porous limestone geology that allows water to seep up through the ground. King tides regularly flood streets in low-lying coastal neighborhoods.
Common Flood Zones in Miami
Properties in Miami, FL are commonly designated in these FEMA flood zones:
Check Your Miami Address
Enter any Miami, FL address to instantly see its FEMA flood zone, risk level, and whether flood insurance is required.
Free Flood Zone LookupWhat Your Flood Zone Means in Miami
FEMA assigns flood zone designations to every property in the United States based on flood risk assessments. In Miami, the most common designations are Zone AE, Zone VE, Zone AH, Zone X.
Properties in Special Flood Hazard Areas (SFHAs) - zones starting with A or V - are required to carry flood insurance if they have a federally-backed mortgage. Properties in Zone X are outside the SFHA and flood insurance is typically optional but often recommended.
Flood zone designations can change over time through Letters of Map Amendment (LOMA) or Letters of Map Revision (LOMR). Use our free lookup tool to check the current flood zone for any Miami address.