Flood Zone Designations

The Flood Insurance Rate Maps (FIRM) are used to determine the flood designation zone for your property. Please take the time to identify your property on the flood maps to determine in which flood designation zone your property lies.

See digital copies of the FEMA Flood Zone map for Palmetto Bay.

Following are definitions of each flood-zone designation in our area. Please note, the number adjacent to the symbol indicates the Base Flood Elevation for the respective zone. If you require assistance determining whether a particular property is in the floodplain, please call 305-259-1292.
Flood Atlas
Zone Description
VE 100-year floodplain with wave action, with BFEs determined.
AE and A1-30
 100-year floodplain, with BFEs determined.
X-500
 500-year floodplain (0.2% annual chance of flooding)
X Outside 100-year and 500-year floodplain
  • Definitions of FEMA's Flood Zone Designations
  • BFE = Base Flood Elevation
  • 100-year floodplain means there is a 1% annual chance of flooding at or above the base elevation
  • FEMA states there is a 26% chance of flooding over the life of a 30 year mortgage for structures within the 100-year floodplain