Flood Insurance and Free Flood Hazard Information

As a public service, the Village's Flood Plain Manager, Javier Pena, will provide you with the following information upon request:

  • Whether a property is in or out of the Special Flood Hazard Area (SFHA) as shown on the current Flood Insurance Rate Map (FIRM) of the Village (PDF);
  • Additional insurance data for a site, such as the FIRM zone and base flood elevation or depth, as shown on the FIRM, and a handout on the flood insurance purchase requirements that can help people who may need a mortage or loan on a property in the SFHA.

If you would like to make an inquiry, please provide a street address and the property tax folio number. The folio number for your property is available at the Property Search webpage of the Miami-Dade County Property Appraiser.

Mr. Pena may be contacted by email at jpena@keybiscayne.fl.gov, by phone at (305) 365-8916 or in person at the Department of Building, Zoning and Planning at Village Hall between the hours of 10:00 a.m. and 2:00 p.m.

The availability of staff in the Department of Building, Zoning, Planning and Public Works (BZPPW) to answer questions is part of the Village's National Flood Insurance Program’s (NFIP) Community Rating System (CRS) program compliance. Information about building requirements in flood hazard zones, regulations for storm water management in new construction and other areas also is available.

Why do I need flood insurance?

Standard homeowner's insurance policies do not cover damages from floods. However, since the Village of Key Biscayne participates in the NFIP, you can purchase a separate flood insurance policy backed by the federal government, even if you own property that has been flooded. Ask your agent about flood insurance before hurricane season.

Maintaining a flood insurance policy is one of the most important things you can do to protect yourself and your property, and reduce the cost of flood disasters. Floods in Key Biscayne usually do more damage to the furniture and contents of home instead of the structure. Remember – even if the last flood missed you or you have floodproofed your home, the next flood could be worse.

Consider the following benefits of flood insurance if you are unsure whether or not you need coverage:

  • Buildings in flood hazard areas have a 26% chance of being flooded during a 30-year mortgage.
  • Flood insurance is available in the Village of Key Biscayne due to the Village’s participation in the NFIP.
    • Any walled and roofed building in an NFIP participating community is eligible, whether or not the building is located in a floodplain.
    • Homeowners, business owners, and renters can all purchase flood insurance as long as their community participates in the National Flood Insurance Program. Even if the President does not declare a disaster, flood insurance claims are paid.
    • There is a 30-day waiting period after a policy is purchased before coverage goes into effect. However, if a new or renewal policy is required by a lender as a condition for obtaining a mortgage, then the coverage takes effect at closing. Flood insurance purchased as a bank requirement for a mortgage or home improvement loan usually covers only the building structure and not the contents.
    • Two types of coverage are available: 
      • Building coverage on walls, floors, insulation, furnace, and items permanently attached to the structure, except where excluded;
      • Contents coverage for such items as furniture, appliances and other household goods, except where excluded.  This coverage must be purchased separately from building coverage. Make sure you have enough content coverage by estimating the replacement value of your property’s contents
      • Homeowners can get up to $250,000 of coverage and businesses up to $500,000. 
      • Renters can obtain up to $100,000 of coverage.
  • Most forms of federal disaster assistance, including the Department of Homeland Security's/FEMA's Temporary Housing and Individual and Family Grant Programs, are only offered if the President declares a major disaster.
    • 90% of disasters are not declared a disaster by the President.
    • Floods are the most common natural disaster. 80% of all disasters declared major by the President are floods.
    • The average Individual and Family Grant is less than $2,500.
  • The most typical form of federal disaster assistance is a Small Business Administration loan that must be paid back with interest. The average duration and loan payment for a disaster home loan is 18.5 years and $140 a month.



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