Does Caribbean Key flood?
Caribbean Key, Boca Raton, FL · ZIP code 33487: the ZIP code on 36 of the 37 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Caribbean Key have filed flood claims. About 85% of Caribbean Key’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). NFIP flood insurance records list 37 claims from the Census block groups that cover Caribbean Key, from 1979 through 2017. 2 of them received a payment, totaling $2,080 (not adjusted for inflation). The busiest years were 1994 (14 claims), 1979 (4 claims), 2005 (4 claims).
What this page counts as Caribbean Key
We could not find an openly licensed official boundary for Caribbean Key, so this page uses a census-based area. For this page, Caribbean Key means the 2010 Census block groups whose center lies within 1.6 km (1.0 miles) of the U.S. Geological Survey (GNIS) map point for Caribbean Key (feature 280032) and inside the Boca Raton city limits (U.S. Census Bureau), each block group going to the nearest of the places we cover. Every number below is for exactly those block groups (listed in “How these numbers were made”), so the edges are approximate and may include or leave out a few blocks people would call Caribbean Key. Sources: U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
Past claims do not predict future flooding, and a neighborhood figure cannot tell you about one building. Look up the exact address on the FEMA Flood Map Service Center and get flood insurance quotes before you sign a lease or a contract.
Check a specific address in Caribbean Key
Neighborhood figures are averages. Our address check looks up the FEMA flood zone and the hurricane evacuation zone at one address, from the same public maps: check if your address is in a flood zone.
Flood zones street by street in Caribbean Key
The named streets in Caribbean Key, longest first, with how much of each street’s length inside Caribbean Key lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Caribbean Key; the main zone is the FEMA zone covering most of that length. A street can cross several zones, so the zone at one address can differ from the street’s main zone: check the address above for that.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| NE 7th Ave | 4,200 ft | 76% | AE (76%) |
| E Jeffery St | 2,140 ft | 100% | AE (100%) |
| State Hwy 5 | 1,970 ft | 0.0% | X (unshaded, minimal) (100%) |
| Appleby St | 1,690 ft | 100% | AE (100%) |
| Newcastle St | 1,680 ft | 66% | AE (66%) |
| Berkeley St | 1,580 ft | 100% | AE (100%) |
| Coventry St | 1,540 ft | 99% | AE (99%) |
| Glouchester St | 1,540 ft | 100% | AE (100%) |
| Forsyth St | 1,510 ft | 100% | AE (100%) |
| Dover St | 1,490 ft | 100% | AE (100%) |
| Enfield St | 1,440 ft | 95% | AE (95%) |
| Boca Marina Ct | 1,390 ft | 60% | AE (60%) |
| Havana Dr | 1,170 ft | 100% | AE (100%) |
| Boca Marina Cir N | 730 ft | 80% | AE (80%) |
| Kingsbridge St | 680 ft | 32% | X (unshaded, minimal) (37%) |
| NE Trieste Ln | 660 ft | 38% | X (unshaded, minimal) (43%) |
| Nassau Dr | 640 ft | 100% | AE (100%) |
| NE Trieste Way | 570 ft | 22% | X (shaded, 0.2% annual chance) (78%) |
| NE Verde Cir | 560 ft | 0.0% | X (shaded, 0.2% annual chance) (84%) |
| NE Francesca Ln | 560 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| NE Trieste Ter | 520 ft | 0.0% | X (shaded, 0.2% annual chance) (90%) |
| Rico Dr | 520 ft | 100% | AE (100%) |
Streets: U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads). Flood zones: FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, retrieved October 30, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Caribbean Key
Share of Caribbean Key’s mapped area (about 0.944 km²) in each FEMA flood zone, from FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Mapped base flood elevations inside the neighborhood range from 7 to 8 feet. Effective date of the FIRM panel(s) covering it (12099C0987G, 12099C0989G): December 20, 2024.
| FEMA zone | Share of area |
|---|---|
| AE | 85% |
| X (shaded, 0.2% annual chance) | 9.4% |
| X (unshaded, minimal) | 5.3% |
What the zones mean
- Zone AE (and A, AH, AO)
- High-risk: part of the Special Flood Hazard Area (SFHA), the area FEMA maps as having a 1-percent chance of flooding in any given year (the “100-year” or base flood). AE areas have a mapped base flood elevation.
- Zone VE (and V)
- High-risk coastal areas, also in the SFHA, where the base flood is expected to bring additional hazards from storm waves.
- Zone X (shaded)
- Moderate hazard: between the limits of the 1-percent and the 0.2-percent-annual-chance (“500-year”) flood.
- Zone X (unshaded)
- Minimal hazard: outside the SFHA and higher than the 0.2-percent-annual-chance flood elevation. Minimal is not zero: flood claims are filed from X zones too.
Source: FEMA Glossary: Flood Zones.
Flood insurance claims over time
Claims filed under the National Flood Insurance Program (NFIP) from the 2010 Census block groups that cover Caribbean Key. This area is made of whole block groups, so every claim counted here comes from inside it. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1970s | 4 | $0 |
| 1980s | 2 | $0 |
| 1990s | 18 | $1,937 |
| 2000s | 7 | $0 |
| 2010s | 6 | $142 |
By year of loss
Named flood events with the most claims
- Hurricane Wilma: 4 claims
- Flooding: 3 claims
- Hurricane Irma: 3 claims
- Hurricane Frances: 3 claims
- Hurricane Irene: 2 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 35
- X/B/C (moderate or minimal): 1
- Not reported: 1
How much is flood insurance in Caribbean Key?
The typical National Flood Insurance Program policy on single-family homes in Caribbean Key costs $1,642 a year: the median of 370 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,232 and $2,257. That is the full amount paid for the year, the premium plus FEMA’s fees and surcharges, and every one of these policies is priced under Risk Rating 2.0. A quote for one building can be far from this: its elevation, foundation, age, coverage and deductible all change the price. Private flood insurance is not included.
Source: FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3, computed October 30, 2026.
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Hurricane evacuation zone
About 94% of Caribbean Key is in Zone C of Palm Beach County’s storm surge evacuation zones (Palm Beach County Division of Emergency Management, Evacuation Zones).
| Zone | What the county says it means | Share of Caribbean Key |
|---|---|---|
| Zone B | see the county’s zone description | 6.5% |
| Zone C | see the county’s zone description | 94% |
Zones can split a street. Confirm the exact address with the county (Palm Beach County: Know Your Zone) and follow official evacuation orders. Palm Beach County provides this data “as is”, without warranty or any representation of accuracy, timeliness or completeness.
Before you rent or buy in Caribbean Key
- Look up the exact address on the FEMA Flood Map Service Center; a neighborhood can mix high-risk and minimal-hazard zones.
- Ask the landlord or seller about past flooding and flood insurance claims at the property.
- Get a flood insurance quote early: new NFIP policies usually take 30 days to start (FloodSmart (NFIP): Buy a Flood Insurance Policy).
- Ask which floor the unit is on and where parking, storage and mechanical equipment sit.
Living in Caribbean Key
Flood maps are only one part of choosing a neighborhood. To compare Caribbean Key with other Boca Raton neighborhoods on more than flooding, see Boca Raton on StrollPlace.
Buyer and renter FAQ
Does Caribbean Key flood?
Yes. Insured properties in and around Caribbean Key have filed flood claims. About 85% of Caribbean Key’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). NFIP flood insurance records list 37 claims from the Census block groups that cover Caribbean Key, from 1979 through 2017. 2 of them received a payment, totaling $2,080 (not adjusted for inflation). The busiest years were 1994 (14 claims), 1979 (4 claims), 2005 (4 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Caribbean Key in a flood zone?
About 85% of Caribbean Key’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). Shares by zone: AE 85%; X (shaded, 0.2% annual chance) 9.4%; X (unshaded, minimal) 5.3%. The FIRM panel(s) covering it took effect December 20, 2024.
Which streets in Caribbean Key are in a high-risk flood zone?
Most of the length of NE 7th Ave, E Jeffery St, Appleby St, Newcastle St, Berkeley St, Coventry St, Glouchester St, Forsyth St, Dover St, Enfield St, Boca Marina Ct and Havana Dr lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of State Hwy 5, NE Verde Cir, NE Francesca Ln and NE Trieste Ter does. Zones can change along a street, so check the exact address.
What ZIP code is Caribbean Key in?
Caribbean Key is in Boca Raton, FL. ZIP code 33487: the ZIP code on 36 of the 37 flood insurance claims counted here. ZIP codes do not follow neighborhood lines. Check the specific address for its own flood zone.
Do renters need flood insurance?
Standard renters policies usually do not cover flood. Renters in a community that participates in the NFIP can buy contents-only flood coverage, up to $100,000 for belongings.
How long does a new flood policy take to start?
A new NFIP policy generally takes effect 30 days after purchase. Exceptions include no wait when the policy is bought while making, increasing, extending or renewing a mortgage, and a one-day wait in a newly designated high-risk zone within 12 months of the map change.
How much coverage can NFIP provide?
For a one-to-four family home, NFIP building coverage goes up to $250,000 and contents coverage up to $100,000. You can buy flood insurance even if you are not in a high-risk zone, as long as your community participates in the NFIP.
Is Caribbean Key in a hurricane evacuation zone?
About 94% of Caribbean Key is in Zone C of Palm Beach County’s storm surge evacuation zones. Check the exact address with the county and follow official orders.
How much is flood insurance in Caribbean Key?
The typical NFIP flood insurance policy on single-family homes in Caribbean Key cost $1,642 a year: the median of 370 policies that started between August 1, 2025 and July 31, 2026. Half cost between $1,232 and $2,257. One building’s quote can be far from this; its elevation, foundation, age, coverage and deductible all change the price.
FAQ sources: FloodSmart (NFIP): Buy a Flood Insurance Policy; FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025); 44 CFR 61.11, Effective date and time of coverage.
Nearby neighborhoods
- Bel Marra
- Does Boca Harbour flood?
- Does Lake Rogers Isle flood?
- Does Yamato flood?
- Does Harbor East flood?
- Blue Inlet
How these numbers were made
Area: the census-based definition above, using U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names. Flood zone shares: the area polygon intersected with FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, area computed in an equal-area projection; retrieved October 30, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Palm Beach County (county code 12099), dataset as of September 8, 2026, retrieved October 30, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 120990073013. Neighboring pages can share a block group, so their counts can overlap. Paid totals add building, contents and Increased Cost of Compliance payments and are not adjusted for inflation; a claim whose FEMA record shows a negative payment (an adjustment) counts as zero. Evacuation zones: the polygon intersected with Palm Beach County’s zone polygons in an equal-area projection; shares below 0.1% are left out. See the methodology.
Sources
- Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on October 30, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 30, 2026.
- U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
- FEMA Glossary: Flood Zones.
- FloodSmart (NFIP): Buy a Flood Insurance Policy.
- FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025).
- 44 CFR 61.11, Effective date and time of coverage.
- OpenFEMA Terms and Conditions.
- Palm Beach County Division of Emergency Management, Evacuation Zones (retrieved October 30, 2026).
- Palm Beach County: Know Your Zone.
- FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3.
- U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads).
Data as of September 8, 2026 (FEMA claims) and October 30, 2026 (flood zones); hazard data computed October 30, 2026. Page last updated October 30, 2026.