Florida Flood Zone Maps and Reports
Look up the FEMA flood zone by address for any property in Florida — and get a parcel-level report with zone designations, Base Flood Elevation, map panel details, and storm surge context.
Included with every MapWise subscription. 7-day free trial, no credit card required.
Parcel-Level Flood Answers, Statewide
MapWise draws FEMA flood zones and storm surge layers on parcel boundaries across all 67 Florida counties, so you can assess risk for a single property or plan across a region.
- Instant reports: zone designation, Base Flood Elevation, map panel number and effective date, community details, and Coastal Barrier Resources Act status
- Know at a glance whether a property will need flood insurance
- See every zone on a parcel — larger properties often span multiple flood zones, and the report breaks out each one
- Statewide DFIRM coverage, updated as FEMA releases new map revisions
What Florida Flood Zone Codes Mean
FEMA designates flood risk with zone codes. These are the zones you’ll encounter on Florida flood maps — and what each means for flood insurance.
| Zone | Description | Insurance Required? |
|---|---|---|
| V | 100-year floodplain with wave action (coastal), no BFEs determined | Required |
| VE | 100-year floodplain with wave action (coastal), with BFEs determined | Required |
| A | 100-year floodplain, no BFEs determined | Required |
| AE, A1-30 | 100-year floodplain, with BFEs determined | Required |
| AH | 100-year floodplain with ponding, with BFEs determined | Required |
| AO | 100-year floodplain with sheet flow, with BFEs determined | Required |
| AR | 100-year floodplain, previously protected by flood control structures being restored | Required |
| A99 | 100-year floodplain, to be protected by a flood control project under construction | Required |
| IN | 100-year floodplain, no BFEs determined | Required |
| B, X500 | 500-year floodplain (0.2% annual chance) | Optional |
| C, X | Outside 100-year and 500-year floodplain | Optional |
| D, UNDES | Possible but undetermined flood hazards | Varies |
| ANI | Area Not Included in any flood study | Varies |
The “100-year floodplain” means a 1% chance of flooding in any given year — FEMA puts the odds at 26% over the life of a 30-year mortgage. And flooding isn’t limited to high-risk zones: a large share of flood claims come from moderate- and low-risk areas.
Storm Surge Zones Are Not Flood Zones
FEMA flood zones and storm surge zones answer two different questions. Flood zones drive insurance requirements under the National Flood Insurance Program. Storm surge zones come from hurricane evacuation studies and describe how vulnerable a location is to surge as storm intensity increases.
The two often disagree in ways that matter: a property can sit outside every FEMA high-risk zone — no flood insurance required — and still be in an evacuation zone that clears out for a Category 1 storm. MapWise displays both layers together on parcel boundaries, so you can evaluate insurance exposure and hurricane vulnerability in one view.
Built on FEMA’s Own DFIRM Data
MapWise uses FEMA’s Digital Flood Insurance Rate Maps (DFIRM) — the same maps that govern flood insurance — with complete coverage of all 67 Florida counties, updated as FEMA releases new revisions. Usable at map scales from site-specific analysis to regional planning.
DFIRM attribute reference — every field behind the flood zone layer
Use the “i” tool on the map to inspect these attributes for any flood zone polygon:
| Column | Description |
|---|---|
| FLD_ZONE | Flood zone, e.g. A, AE |
| FLOODWAY | Floodway |
| SFHA_TF | IN or OUT of the Special Flood Hazard Area (100-year flood zone) |
| STATIC_BFE | Base Flood Elevation |
| V_DATUM | Vertical datum |
| DEPTH | Rounded whole-foot elevation of the 1%-annual-chance flood, as printed next to the BFE line on the FIRM |
| LEN_UNIT | BFE units, normally feet |
| AR_REVERT | For Zone AR: the zone the area reverts to if AR is removed |
| BFE_REVERT | For Zone AR: static BFE for the reverted zone |
| SOURCE_CIT | Source citation |
| ACRES | Acreage of the flood zone polygon |
| RISK_LEVEL | Insurance risk level |
| SOURCEDATE | Effective map date |
County coverage — all 67 Florida counties
Alachua, Baker, Bay, Bradford, Brevard, Broward, Calhoun, Charlotte, Citrus, Clay, Collier, Columbia, DeSoto, Dixie, Duval, Escambia, Flagler, Franklin, Gadsden, Gilchrist, Glades, Gulf, Hamilton, Hardee, Hendry, Hernando, Highlands, Hillsborough, Holmes, Indian River, Jackson, Jefferson, Lafayette, Lake, Lee, Leon, Levy, Liberty, Madison, Manatee, Marion, Martin, Miami-Dade, Monroe, Nassau, Okaloosa, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Putnam, Santa Rosa, Sarasota, Seminole, St. Johns, St. Lucie, Sumter, Suwannee, Taylor, Union, Volusia, Wakulla, Walton, and Washington counties.
For effective map dates and revisions, see FEMA’s Community Status Book Report, FEMA Flood Maps, and FloodSmart.gov.
Frequently Asked Questions
How do I find my flood zone by address in Florida?
Enter the street address in the MapWise Flood Zone Tool and adjust the pin to the building location. The report shows the FEMA flood zone designation, Base Flood Elevation when available, the effective map panel date, and the community information for that exact parcel.
Can one property be in more than one flood zone?
Yes — larger parcels often span multiple flood zones. MapWise flood reports break out every zone that touches the parcel, so you can see which parts of the property carry which designation instead of a single point answer.
What is Base Flood Elevation (BFE)?
The Base Flood Elevation is the height floodwater is expected to reach or exceed during a flood with a 1% annual chance (the “100-year flood”). It drives building elevation requirements and flood insurance rating in high-risk zones.
Does Zone X require flood insurance?
Federal law does not require flood insurance in Zone X, even with a federally backed mortgage, though a lender can still require it. Flooding is not limited to high-risk zones — a large share of flood claims come from moderate- and low-risk areas, so optional coverage is worth considering.
What is the difference between FEMA flood zones and storm surge zones?
FEMA flood zones drive insurance requirements under the National Flood Insurance Program. Storm surge zones come from hurricane evacuation studies and describe vulnerability to surge by storm intensity. A property can be outside a FEMA high-risk zone and still sit in an evacuation zone. MapWise shows both layers on parcel boundaries.
Is the MapWise flood zone lookup free?
Flood reports are included with a MapWise subscription, which starts with a 7-day free trial — no credit card required.
Flood zones are one layer of many. The same subscription unlocks the full MapWise GIS Map Viewer, where flood hazards sit alongside 100+ other layers — wetlands, elevation, zoning, aerials — on parcel boundaries.