What flood zone is Ives Estates, FL in?

Ives Estates is not in a single flood zone — of 4,219 mapped parcels, 21% are in a high-risk Special Flood Hazard Area and the rest are in moderate- or minimal-risk zones. The zone that applies is the one covering your specific parcel.

Do homes in Ives Estates need flood insurance?

Homes in Ives Estates inside a Special Flood Hazard Area (21% of mapped parcels) need flood insurance if the mortgage is federally backed. Outside the SFHA it is optional but often cheap — and roughly a quarter of NFIP claims come from those lower-risk zones.

Ives Estates flood zones, parcel by parcel

Of the 4,219 Ives Estates parcels we map, 901 (21%) sit in a FEMA Special Flood Hazard Area — where flood insurance is required with any federally backed mortgage. City-level answers hide that the line runs street by street; this is the actual parcel count, computed from Miami-Dade County's effective FEMA layer.

The breakdown

Zone	Parcels	Share	What it means
X	3,318	78.6%	Minimal — outside the mapped floodplain
AE	822	19.5%	High risk — inside the 1% annual chance floodplain
A	79	1.9%	High risk — no base flood elevation published

The median county market value of a flood-zone parcel in Ives Estates is $533,001, against $410,512 outside the floodplain. Here the flood zones track the water people pay to live near — the premium and the insurance bill come as a package, and buyers who budget only for the first are the ones surprised at closing.

Check the exact parcel

Zone boundaries in Ives Estates run down the middle of streets and sometimes straight through lots. The designation that matters — for insurance, for lending, for what you can build — is the one on the panel covering your specific parcel, with its base flood elevation where one applies.

Check any Miami-Dade, Broward or Palm Beach address

Flood zone and base flood elevation, zoning, comparable sales and the tax reset a buyer inherits. No sign-up.