Transactions & cost planning
Davie Flood Zones: X vs. AE, FEMA Maps and Flood Insurance
Quick answer
Look up the address on FEMA's Flood Map Service Center. Zone AE is a high-risk area where lenders generally require flood insurance on federally backed loans; Zone X is moderate-to-low risk, where it's usually optional but can still be worth having. Get a flood insurance quote and ask for an elevation certificate early — the zone alone doesn't tell you the cost.
Use effective flood maps and parcel-specific drainage records
FEMA Flood Map Service Center check the effective panel and any map-change documents for the structure, not only a street pin. AE is a Special Flood Hazard Area; lender requirements depend on the structure and loan. Shaded and unshaded X are not equivalent risk categories, and neither means no flood risk.
SFWMD’s April 2006 C-11 West basin plan provides historical basin context, not a current parcel district or flood-zone determination. Confirm the canal manager, elevation evidence and drainage history for the address; do not use the historical plan to promise protection.
X vs. AE at a glance
| Zone | General meaning | Buyer step |
|---|---|---|
| AE | High-risk area with a base flood elevation | Expect lender requirement; get elevation certificate and quote |
| X (shaded) | Moderate risk | Get a quote anyway |
| X (unshaded) | Lower risk | Consider optional coverage |
Local drainage
Parts of Davie fall within water control districts that manage canals and drainage. Ask which district serves the address and whether the street has had flooding.
Checklist
- FEMA zone lookup
- Elevation certificate
- Flood insurance quote
- Seller's flood history and claims
Related Mora Realty Davie pages
Sources
- FEMA Flood Map Service Center — Check the effective panel and any map-change documents for the structure, not only a street pin
- SFWMD’s April 2006 C-11 West basin plan — Provides historical basin context, not a current parcel district or flood-zone determination