FEMA Flood Zone Lookup in Florida

Florida is one of the most flood-prone states in the nation, facing threats from hurricanes, tropical storms, sea level rise, coastal erosion, and riverine flooding. The state's flat topography and low elevation, with much of Florida less than 10 feet above sea level, create flood risk across enormous areas. Hurricane Andrew in 1992, Hurricane Irma in 2017, and Hurricane Ian in 2022 all caused catastrophic flooding. Ian produced over $100 billion in total damage including extensive flooding in Fort Myers, Naples, and the Tampa Bay area. South Florida faces chronic tidal flooding that increases with sea level rise. Miami Beach has invested over $600 million in stormwater infrastructure to address sunny-day flooding. The Kissimmee River basin and Apalachicola River are major riverine flood corridors. Tampa Bay is considered one of the most hurricane-vulnerable metro areas nationally. Jacksonville faces flood risk from the St. Johns River which reverses flow during storms. The state has over 800 NFIP-participating communities and leads the nation with over 2.2 million policies in force. Florida's flood insurance market has been in crisis with rates increasing under Risk Rating 2.0 and many private insurers exiting.