Florida Flood Zone Lookup
Enter any Florida address to instantly check your FEMA flood zone from the National Flood Hazard Layer (NFHL). Free — no account required.
Florida Flood Zone Guide
Highest risk. Wave action + flooding. Mandatory NFIP insurance if federally mortgaged.
Base flood elevations known (AE) or estimated (A). Mandatory insurance for federally backed mortgages.
Sheet-flow or ponding areas. Still high risk. Insurance required for federally backed mortgages.
500-year floodplain. Not required but flood insurance is recommended.
Outside mapped flood hazard areas. Insurance not required but storms can cause flooding anywhere.
Possible flood hazard — area not studied. Check with your county floodplain manager.
Frequently Asked Questions
FEMA flood zones are geographic areas that FEMA has defined based on varying levels of flood risk. They are shown on Flood Insurance Rate Maps (FIRMs).
SFHAs (Zones A and V) have a 1% or greater annual chance of flooding. Federally backed mortgages in SFHAs require flood insurance.
Zone X areas have lower flood risk and flood insurance is not federally required, but it is strongly recommended — floods can happen outside high-risk zones.
This tool queries FEMA's National Flood Hazard Layer (NFHL) via the public FEMA GIS API and uses OpenStreetMap Nominatim for geocoding. Results reflect the official FIRM data. Always confirm with a licensed surveyor for insurance or permit decisions.
This tool uses FEMA's National Flood Hazard Layer (NFHL) and OpenStreetMap Nominatim geocoding. Results are for informational purposes only. Always verify with a licensed surveyor, your lender, or the FEMA Map Service Center before making insurance or property decisions. Floodi is not a licensed flood insurance provider.