Key Colony Beach, Near Marathon Airport Florida Keys: Private Market Flood Insurance Florida 305-395-0814

Private Market Flood Insurance Florida 305-395-0814

Monroe County Flood Plain Management Information Call Florida Keys Real Estate Agent 305-395-0814 when Purchasing your next Home

Floodplain Management Information:  All of Monroe County is identified as a coastal floodplain and may be subject to flooding.  Monroe County enforces a Floodplain Management Ordinance that requires structures built after December 31, 1974 to have the lowest floor elevated to or above the base flood elevation.  The owner or purchaser of a structure with habitable space below the base flood elevation may be faced with unforeseen expenses.  Legally permitted enclosures below the base flood elevation are for limited storage and parking only!  Limited storage means storage of lawn mowers, rakes, wheelbarrows and similar equipment that are normally stored outside.  Limited storage does not apply to household furnishings, workbenches, freezers, refrigerators or other items subject to damage if exposed to salt water.   If you are purchasing a home with a finished enclosure below the base flood elevation it MAY not be permitted construction and MAY be subject to enforcement proceedings


  1. Definition of Base Flood Elevation:  Base Flood Elevation, or BFE is the lowest elevation where new habitable space may exist as measured to the top of the floor in an “AE” Zone and to the bottom of the lowest structural beam supporting the flooring in a “V” zone as measured above published datum’s.  Required elevations are depicted on Flood Maps published by FEMA and accessed at


  1. Definition of Habitable Space:  Monroe County Code and the Federal Emergency Management Agency’s (FEMA) definition of lowest floor is the lowest floor of the lowest enclosed area (including a basement).  An unfinished or flood resistant enclosure, usable solely for parking of vehicles, building access or storage in an area other than a basement area is not considered the lowest floor; provided, that such enclosure is not built so as to render the structure in violation of the applicable non-elevation design requirements. 


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Remember ---what you think about, you talk about, you bring about. Don't! keep me a secret..Right Now, take out your cell phone, look up my number  305-395-0814  and give me a call, Have the best day of your life


Lela Ashkarian, PA, CRS, GRI, e-PRO

Coldwell Banker Schmitt Real Estate

International President's Circle

11050 Overseas Highway

Marathon, Fl 33050


P.S.My Purpose is for you to be so outrageously happy with the help I provide you that you'll gladly introduce me to at least two people you really care about before I even sell your home/help you buy a new home.  Not because you feel obligated, but because you truly believe they will benefit.


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Comment balloon 0 commentsLilas "Lela" Ashkarian • May 01 2014 09:16AM