Florida flood zone map and environmental check
Florida has long stretches of coast in FEMA's high-risk V and VE zones, and inland AE zones reach well away from the beach. Since October 1, 2024, Florida home sellers must disclose past flood insurance claims and federal flood aid, but that form is for homes. On a commercial building, finding the flood history is on you.
Check a Florida property’s flood zone free
Type the address. See the FEMA flood zone and map, free. Add your email to see which buildings sit in the flood area.
Official flood maps for Florida
FEMA’s Flood Map Service Center has the effective flood map for every Florida address. The state also runs:
Florida Division of Emergency Management
The state's NFIP coordinator: flood map changes, local floodplain contacts and guidance.
Map tools usually show the zone at the address pin. On a commercial lot, the buildings can sit in a different zone than the pin. Our free check shows which buildings are in the 1% and 0.2% annual-chance flood areas.
Contamination and tank records in Florida
Florida Department of Environmental Protection
Map of DEP cleanup sites, including petroleum tank and dry cleaner cleanups.
A listed site next door matters as much as one on your lot: leaks travel with groundwater. Look at what’s around the property, not only the address.
What Florida sellers must tell you about flooding
CS/CS/HB 1049 (2024) added flood questions to Florida's residential seller disclosure from October 1, 2024: past flood insurance claims and federal flood assistance. It does not cover commercial sales.
What our report checks for a Florida property
- Florida's dry cleaner cleanup program sites
- FEMA's National Flood Hazard Layer: the flood zone under each building, not just the pin
- FEMA flood insurance claims history for the area (OpenFEMA)
- USACE National Levee Database
- EPA lists: Superfund (NPL and delisted), SEMS, RCRA corrective action and hazardous waste handlers, brownfields (ACRES), PFAS layers
- EPA UST Finder for underground storage tanks and leaks
- EPA ECHO air permits that flag dry cleaners
- Aerial photos back through the decades (USGS, NAIP, Esri Wayback) and Sanborn fire insurance maps where the Library of Congress has them
Every source is marked checked, not found or not checked. A source we couldn’t reach is listed as a gap, never as a clean result. It is a desk screen, not a Phase I.
Questions buyers ask
Other states
Sources (checked 2026-11-10)