Look up the FEMA flood zone for an address

Enter a US street address. We match it with the US Census geocoder and read FEMA’s National Flood Hazard Layer at that point.

A lookup is a map reading, not an official flood determination or an insurance quote.

How to check a Miami flood zone

To check a Miami flood zone, search the address on Miami-Dade County’s flood zone map, which shows FEMA flood zones, and on FEMA’s Map Service Center. The county’s effective FEMA map dates from September 11, 2009; preliminary maps were released in 2021, so check which applies to your panel. Then search the county’s elevation certificate records for the building.

Key takeaways

  • Miami-Dade’s effective FEMA flood map dates from September 11, 2009; check the Map Service Center for later revisions to your panel.
  • The county has collected elevation certificates since 1995 and lets you search them, often the fastest way to see a home’s elevation.
  • King tides, usually September to November, cause sunny-day street flooding in low-lying areas.
  • Miami-Dade County holds CRS Class 3, a 35% NFIP discount in the high-risk zone; the City of Miami is Class 6.
Class 3Miami-Dade County CRS class: 35% NFIP discount in the SFHAFEMA
Sept 11, 2009Effective date of Miami-Dade’s FEMA flood mapMiami-Dade
Since 1995Elevation certificates collected by the countyMiami-Dade
Sept–NovUsual king-tide season for sunny-day floodingMiami Beach

Official local flood tools

Miami-Dade flood zone mapsFEMA flood zones by addressMiami-Dade elevation certificate searchCertificates on file since 1995; flood zone hotline 305-372-6466Miami-Dade FEMA map updatesStatus of preliminary maps released in 2021Miami Beach: king tidesWhen sunny-day flooding happens and why

Look up the elevation certificate first

In a high-risk AE or VE zone, the building’s lowest-floor elevation compared with the base flood elevation matters more than the zone letter. Miami-Dade has collected elevation certificates since 1995; search the county’s records by address or folio number before paying for a new survey.

Florida’s flood disclosure law

Since October 1, 2024, Florida sellers must disclose known flood damage, flood insurance claims (including NFIP claims) and federal flood assistance under s. 689.302. Florida Statutes. Pair it with the CLUE report for non-flood claims.

Community Rating System

NFIP premium discount in the high-risk zone, by community

Miami-Dade County
35%
Houston (city)
25%
Tampa (city)
25%
San Antonio (city)
20%
New York City
Not in CRS
FEMA Community Rating System classes effective April 1, 2025: each class step is a 5% discount on NFIP premiums for policies in the Special Flood Hazard Area. Discounts differ outside it. Source: FEMA CRS eligible communities, April 2025. A newer list may exist.
Time-sensitive: Congress has authorized the National Flood Insurance Program through 11:59 p.m. on September 30, 2026. FEMA says that if authorization lapses it continues paying claims but would stop selling and renewing policies, which can delay closings that need flood insurance. Check FEMA’s reauthorization page for the current status.

Other city flood guides

Houston & Harris CountyLocal flood maps, map status and the questions to askNew York CityLocal flood maps, map status and the questions to askSan Antonio & Bexar CountyLocal flood maps, map status and the questions to askTampa & Hillsborough CountyLocal flood maps, map status and the questions to askMiami & Miami-Dade CountyLocal flood maps, map status and the questions to ask

Questions people ask

How do I check a flood zone in Miami-Dade?

Use the county’s flood zone map or FEMA’s Map Service Center, then call the flood zone hotline (305-372-6466) for questions about a specific property.

Can I find an existing elevation certificate?

Often yes. Miami-Dade has collected elevation certificates since 1995 and offers a search.

Does king-tide flooding show on FEMA maps?

Not directly. FEMA maps show 1% and 0.2% annual-chance floods; recurring high-tide flooding is a separate, local pattern. Ask the seller and neighbors and check street elevation.

PropertyDataCheck early access

Buying in Miami?

Send the address for a pre-offer property check: flood zone, recorded ownership, liens and permits for the parcel, with the questions to raise before your contingency ends.

  • Parcel & owner of record matched
  • Liens, permits & flood zone in one place
  • Gaps turned into questions for your team

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Sources & method

We start with the agency or statute that governs each rule and link to it directly. Figures carry their source and date. Rules and forms change; confirm the current version with the responsible office or a qualified professional.

  1. Miami-Dade: flood zone maps
  2. Miami-Dade: elevation certificates
  3. Miami-Dade: FEMA map updates
  4. City of Miami Beach: king tides
  5. Florida Statutes s. 689.302
  6. FEMA Flood Map Service Center
  7. FEMA CRS eligible communities, April 2025
  8. FEMA: NFIP reauthorization

Reviewed September 25, 2026 by the PropertyDataCheck editorial team. Corrections: info@propertydatacheck.com. How we research and update guides.