What flood zone is Three Lakes, FL in?

Three Lakes is not in a single flood zone — of 4,886 mapped parcels, 26% 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 Three Lakes need flood insurance?

Homes in Three Lakes inside a Special Flood Hazard Area (26% 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.

Three Lakes flood zones, parcel by parcel

Of the 4,886 Three Lakes parcels we map, 1,276 (26%) 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	3,610	73.9%	Minimal — outside the mapped floodplain
AH	1,203	24.6%	High risk — shallow ponding, usually 1 to 3 ft
AE	73	1.5%	High risk — inside the 1% annual chance floodplain

The median county market value of a flood-zone parcel in Three Lakes is $423,000, against $438,637 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.

Check the exact parcel

Zone boundaries in Three Lakes 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.