Opa-locka flood zones, parcel by parcel
Of the 3,749 Opa-locka parcels we map, 1,145 (31%) 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 | 2,604 | 69.5% | Minimal — outside the mapped floodplain |
| AE | 782 | 20.9% | High risk — inside the 1% annual chance floodplain |
| AH | 363 | 9.7% | High risk — shallow ponding, usually 1 to 3 ft |
The median county market value of a flood-zone parcel in Opa-locka is $322,796, against $336,876 outside the floodplain. The market already prices some of the flood risk in — which cuts both ways in a negotiation: a flood-zone address is not automatically a discount case, and a zone X address is not automatically fairly priced.
45% of Opa-locka's flood-zone homes were built before 1975 — before the first FEMA maps applied here. Pre-FIRM buildings often sit below today's base flood elevation; an elevation certificate can move the premium by thousands either way, and substantial-improvement rules limit what you can renovate without elevating.
Check the exact parcel
Zone boundaries in Opa-locka 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.